Home > Hudson Valley Bank > Performance and Condition Ratios
Hudson Valley Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3444% | 5,338 |
| Cost of funding earning assets | 0.1552% | 5,890 |
| Net interest margin | 3.1892% | 4,650 |
| Noninterest income to average assets | 0.3043% | 4,751 |
| Noninterest expense to average assets | 2.4596% | 4,409 |
| Loan and lease loss provision to assets | 0.1710% | 1,155 |
| Net operating income to assets | 0.6397% | 4,090 |
| Return on assets (ROA) | 0.6406% | 4,208 |
| Pretax return on assets | 0.7169% | 4,544 |
| Return on Equity (ROE) | 6.9042% | 3,558 |
| Retained earnings to average equity (ytd only) | 5.4068% | 2,831 |
| Net charge-offs to loans | 0.0699% | 2,029 |
| Credit loss provision to net charge-offs | 397.0674% | 668 |
| Earnings coverage of net charge-offs (x) | 20.5924% | 1,409 |
| Efficiency ratio | 73.4554% | 2,910 |
| Assets per employee ($millions) | 8.2311% | 494 |
| Cash dividends to net income (ytd only)* | 21.6877% | 2,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 2,754 |
| Loan loss allowance to noncurrent loans | 130.5419% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6853% | 3,434 |
| Noncurrent loans to loans | 1.1014% | 2,568 |
| Net loans and leases to total assets | 60.7044% | 3,561 |
| Net loans and leases to deposits | 67.9847% | 3,958 |
| Net loans and leases to core deposits | 71.7756% | 3,990 |
| Total domestic deposits to total assets | 89.2914% | 1,096 |
| Equity capital to assets | 9.2870% | 4,988 |
| Core capital (leverage) ratio | 9.2561% | 4,639 |
| Tier 1 risk-based capital ratio | 13.6391% | 4,258 |
| Total risk-based capital ratio | 14.8900% | 4,163 |
| Memoranda: | ||
| Average total assets | $3,166,906,500 | 270 |
| Average earning assets | $3,020,975,000 | 258 |
| Average equity | $293,851,500 | 312 |
| Average total loans | $1,950,108,500 | 285 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3311% | 5,658 |
| Cost of funding earning assets | 0.1636% | 6,019 |
| Net interest margin | 3.1675% | 5,022 |
| Noninterest income to average assets | 0.4611% | 3,771 |
| Noninterest expense to average assets | 3.0110% | 2,809 |
| Loan and lease loss provision to assets | 0.0583% | 3,374 |
| Net operating income to assets | 0.2653% | 5,607 |
| Return on assets (ROA) | 0.2666% | 5,676 |
| Pretax return on assets | 0.3958% | 5,500 |
| Return on Equity (ROE) | 2.8868% | 5,517 |
| Retained earnings to average equity (ytd only) | 1.5294% | 5,063 |
| Net charge-offs to loans | 0.0250% | 4,335 |
| Credit loss provision to net charge-offs | 407.2727% | 635 |
| Earnings coverage of net charge-offs (x) | 31.5682% | 1,288 |
| Efficiency ratio | 86.7641% | 1,100 |
| Assets per employee ($millions) | 7.5286% | 654 |
| Cash dividends to net income (ytd only)* | 47.0200% | 2,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4180% | 2,863 |
| Loan loss allowance to noncurrent loans | 122.1497% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 0.7147% | 3,431 |
| Noncurrent loans to loans | 1.1609% | 2,512 |
| Net loans and leases to total assets | 60.6921% | 3,692 |
| Net loans and leases to deposits | 68.3244% | 4,093 |
| Net loans and leases to core deposits | 71.9446% | 4,128 |
| Total domestic deposits to total assets | 88.8293% | 1,338 |
| Equity capital to assets | 9.2705% | 4,977 |
| Core capital (leverage) ratio | 9.1206% | 4,793 |
| Tier 1 risk-based capital ratio | 13.5882% | 4,354 |
| Total risk-based capital ratio | 14.8389% | 4,293 |
| Memoranda: | ||
| Average total assets | $3,071,613,600 | 263 |
| Average earning assets | $2,911,201,600 | 253 |
| Average equity | $283,637,400 | 305 |
| Average total loans | $1,763,393,000 | 292 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2658% | 5,817 |
| Cost of funding earning assets | 0.1624% | 6,112 |
| Net interest margin | 3.1035% | 5,246 |
| Noninterest income to average assets | 0.5286% | 3,329 |
| Noninterest expense to average assets | 2.9663% | 2,918 |
| Loan and lease loss provision to assets | 0.0519% | 3,336 |
| Net operating income to assets | 0.3047% | 5,562 |
| Return on assets (ROA) | 0.3067% | 5,634 |
| Pretax return on assets | 0.4500% | 5,464 |
| Return on Equity (ROE) | 3.3247% | 5,421 |
| Retained earnings to average equity (ytd only) | 1.5061% | 5,293 |
| Net charge-offs to loans | -0.0420% | 5,845 |
| Credit loss provision to net charge-offs | -218.9687% | 5,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4206% | 1,240 |
| Assets per employee ($millions) | 7.5031% | 642 |
| Cash dividends to net income (ytd only)* | 54.7006% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5167% | 2,626 |
| Loan loss allowance to noncurrent loans | 102.5715% | 3,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8680% | 3,254 |
| Noncurrent loans to loans | 1.4786% | 2,195 |
| Net loans and leases to total assets | 57.8110% | 4,102 |
| Net loans and leases to deposits | 64.9923% | 4,433 |
| Net loans and leases to core deposits | 67.6973% | 4,539 |
| Total domestic deposits to total assets | 88.9506% | 1,263 |
| Equity capital to assets | 9.1319% | 5,226 |
| Core capital (leverage) ratio | 8.8471% | 5,270 |
| Tier 1 risk-based capital ratio | 13.9988% | 4,214 |
| Total risk-based capital ratio | 15.2504% | 4,155 |
| Memoranda: | ||
| Average total assets | $3,056,543,000 | 260 |
| Average earning assets | $2,892,299,500 | 251 |
| Average equity | $281,961,500 | 304 |
| Average total loans | $1,722,202,250 | 294 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2043% | 5,945 |
| Cost of funding earning assets | 0.1591% | 6,202 |
| Net interest margin | 3.0452% | 5,406 |
| Noninterest income to average assets | 0.5362% | 3,228 |
| Noninterest expense to average assets | 3.0159% | 2,780 |
| Loan and lease loss provision to assets | 0.0354% | 3,581 |
| Net operating income to assets | 0.2505% | 5,713 |
| Return on assets (ROA) | 0.2522% | 5,785 |
| Pretax return on assets | 0.3691% | 5,643 |
| Return on Equity (ROE) | 2.7244% | 5,613 |
| Retained earnings to average equity (ytd only) | 1.0556% | 5,336 |
| Net charge-offs to loans | -0.0886% | 6,104 |
| Credit loss provision to net charge-offs | -72.0214% | 5,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0543% | 1,084 |
| Assets per employee ($millions) | 7.8902% | 529 |
| Cash dividends to net income (ytd only)* | 61.2533% | 1,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 2,710 |
| Loan loss allowance to noncurrent loans | 132.7509% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.6382% | 4,064 |
| Noncurrent loans to loans | 1.1614% | 2,905 |
| Net loans and leases to total assets | 54.1071% | 4,529 |
| Net loans and leases to deposits | 60.8795% | 4,794 |
| Net loans and leases to core deposits | 63.2540% | 4,886 |
| Total domestic deposits to total assets | 88.8756% | 1,430 |
| Equity capital to assets | 8.8540% | 5,468 |
| Core capital (leverage) ratio | 9.1957% | 4,748 |
| Tier 1 risk-based capital ratio | 14.4064% | 3,988 |
| Total risk-based capital ratio | 15.6583% | 3,926 |
| Memoranda: | ||
| Average total assets | $3,037,456,330 | 261 |
| Average earning assets | $2,874,410,000 | 251 |
| Average equity | $281,166,000 | 304 |
| Average total loans | $1,686,988,330 | 295 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2730% | 5,896 |
| Cost of funding earning assets | 0.1587% | 6,304 |
| Net interest margin | 3.1143% | 5,196 |
| Noninterest income to average assets | 0.5795% | 2,862 |
| Noninterest expense to average assets | 3.2165% | 2,174 |
| Loan and lease loss provision to assets | 0.0106% | 3,690 |
| Net operating income to assets | 0.1988% | 5,804 |
| Return on assets (ROA) | 0.2012% | 5,848 |
| Pretax return on assets | 0.3015% | 5,713 |
| Return on Equity (ROE) | 2.1229% | 5,750 |
| Retained earnings to average equity (ytd only) | 0.4398% | 5,405 |
| Net charge-offs to loans | -0.2032% | 6,389 |
| Credit loss provision to net charge-offs | -9.3301% | 4,667 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0617% | 946 |
| Assets per employee ($millions) | 7.1421% | 748 |
| Cash dividends to net income (ytd only)* | 79.2848% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6210% | 2,608 |
| Loan loss allowance to noncurrent loans | 128.0777% | 3,005 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 3,951 |
| Noncurrent loans to loans | 1.2657% | 2,918 |
| Net loans and leases to total assets | 56.3089% | 4,106 |
| Net loans and leases to deposits | 63.6973% | 4,349 |
| Net loans and leases to core deposits | 66.6265% | 4,435 |
| Total domestic deposits to total assets | 88.4007% | 1,992 |
| Equity capital to assets | 9.6802% | 4,252 |
| Core capital (leverage) ratio | 9.5247% | 4,244 |
| Tier 1 risk-based capital ratio | 15.9033% | 3,216 |
| Total risk-based capital ratio | 17.1569% | 3,171 |
| Memoranda: | ||
| Average total assets | $2,946,578,000 | 267 |
| Average earning assets | $2,786,923,500 | 257 |
| Average equity | $279,235,000 | 302 |
| Average total loans | $1,645,934,000 | 299 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2476% | 6,080 |
| Cost of funding earning assets | 0.2049% | 6,262 |
| Net interest margin | 3.0427% | 5,470 |
| Noninterest income to average assets | 0.5479% | 3,417 |
| Noninterest expense to average assets | 3.4105% | 1,859 |
| Loan and lease loss provision to assets | 0.0842% | 3,431 |
| Net operating income to assets | 0.0483% | 6,135 |
| Return on assets (ROA) | 0.0213% | 6,219 |
| Pretax return on assets | -0.1363% | 6,313 |
| Return on Equity (ROE) | 0.2199% | 6,209 |
| Retained earnings to average equity (ytd only) | -1.4287% | 6,120 |
| Net charge-offs to loans | 0.2045% | 2,836 |
| Credit loss provision to net charge-offs | 79.9225% | 3,051 |
| Earnings coverage of net charge-offs (x) | -0.0936% | 5,115 |
| Efficiency ratio | 81.3935% | 1,964 |
| Assets per employee ($millions) | 7.2305% | 676 |
| Cash dividends to net income (ytd only)* | 749.6000% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5924% | 2,788 |
| Loan loss allowance to noncurrent loans | 110.6475% | 3,350 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 3,927 |
| Noncurrent loans to loans | 1.4391% | 2,733 |
| Net loans and leases to total assets | 53.6566% | 4,631 |
| Net loans and leases to deposits | 60.9526% | 4,837 |
| Net loans and leases to core deposits | 63.6943% | 4,896 |
| Total domestic deposits to total assets | 88.0299% | 2,158 |
| Equity capital to assets | 9.2793% | 4,715 |
| Core capital (leverage) ratio | 9.2913% | 4,571 |
| Tier 1 risk-based capital ratio | 15.8367% | 3,186 |
| Total risk-based capital ratio | 17.0899% | 3,134 |
| Memoranda: | ||
| Average total assets | $2,939,592,800 | 258 |
| Average earning assets | $2,756,095,400 | 248 |
| Average equity | $284,177,200 | 286 |
| Average total loans | $1,515,006,200 | 306 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2937% | 6,070 |
| Cost of funding earning assets | 0.2100% | 6,355 |
| Net interest margin | 3.0836% | 5,365 |
| Noninterest income to average assets | 0.5634% | 3,370 |
| Noninterest expense to average assets | 2.7809% | 3,726 |
| Loan and lease loss provision to assets | 0.0833% | 3,400 |
| Net operating income to assets | 0.4239% | 5,143 |
| Return on assets (ROA) | 0.4239% | 5,289 |
| Pretax return on assets | 0.5822% | 5,088 |
| Return on Equity (ROE) | 4.3403% | 5,057 |
| Retained earnings to average equity (ytd only) | 2.7074% | 4,698 |
| Net charge-offs to loans | 0.2313% | 2,416 |
| Credit loss provision to net charge-offs | 70.9352% | 3,053 |
| Earnings coverage of net charge-offs (x) | 5.6675% | 3,134 |
| Efficiency ratio | 80.5016% | 2,029 |
| Assets per employee ($millions) | 7.0970% | 710 |
| Cash dividends to net income (ytd only)* | 37.6223% | 2,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 2,848 |
| Loan loss allowance to noncurrent loans | 76.1483% | 4,197 |
| Noncurrent assets plus other real estate owned to assets | 1.1260% | 3,400 |
| Noncurrent loans to loans | 2.1524% | 2,061 |
| Net loans and leases to total assets | 51.4592% | 4,942 |
| Net loans and leases to deposits | 58.2290% | 5,164 |
| Net loans and leases to core deposits | 60.9629% | 5,223 |
| Total domestic deposits to total assets | 88.3737% | 1,907 |
| Equity capital to assets | 9.4549% | 4,608 |
| Core capital (leverage) ratio | 9.0026% | 5,128 |
| Tier 1 risk-based capital ratio | 15.6661% | 3,368 |
| Total risk-based capital ratio | 16.9193% | 3,325 |
| Memoranda: | ||
| Average total assets | $2,926,130,000 | 256 |
| Average earning assets | $2,735,809,250 | 247 |
| Average equity | $285,778,500 | 281 |
| Average total loans | $1,485,715,500 | 312 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3385% | 6,023 |
| Cost of funding earning assets | 0.2152% | 6,401 |
| Net interest margin | 3.1233% | 5,210 |
| Noninterest income to average assets | 0.5690% | 3,389 |
| Noninterest expense to average assets | 2.7244% | 3,949 |
| Loan and lease loss provision to assets | 0.0733% | 3,575 |
| Net operating income to assets | 0.4784% | 4,888 |
| Return on assets (ROA) | 0.4784% | 5,070 |
| Pretax return on assets | 0.6913% | 4,708 |
| Return on Equity (ROE) | 4.8451% | 4,805 |
| Retained earnings to average equity (ytd only) | 3.2114% | 4,265 |
| Net charge-offs to loans | 0.2401% | 2,281 |
| Credit loss provision to net charge-offs | 60.7327% | 3,002 |
| Earnings coverage of net charge-offs (x) | 6.3371% | 2,735 |
| Efficiency ratio | 77.8987% | 2,475 |
| Assets per employee ($millions) | 6.9885% | 725 |
| Cash dividends to net income (ytd only)* | 33.7182% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 2,589 |
| Loan loss allowance to noncurrent loans | 85.6605% | 3,851 |
| Noncurrent assets plus other real estate owned to assets | 1.0166% | 3,726 |
| Noncurrent loans to loans | 2.0448% | 2,345 |
| Net loans and leases to total assets | 48.8459% | 5,241 |
| Net loans and leases to deposits | 55.3771% | 5,402 |
| Net loans and leases to core deposits | 56.8064% | 5,539 |
| Total domestic deposits to total assets | 88.2060% | 2,106 |
| Equity capital to assets | 9.5352% | 4,540 |
| Core capital (leverage) ratio | 9.1324% | 4,777 |
| Tier 1 risk-based capital ratio | 16.1927% | 3,093 |
| Total risk-based capital ratio | 17.4468% | 3,041 |
| Memoranda: | ||
| Average total assets | $2,896,097,670 | 259 |
| Average earning assets | $2,707,550,330 | 247 |
| Average equity | $285,977,670 | 282 |
| Average total loans | $1,454,958,000 | 318 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3936% | 5,958 |
| Cost of funding earning assets | 0.2148% | 6,507 |
| Net interest margin | 3.1788% | 5,003 |
| Noninterest income to average assets | 0.6204% | 3,026 |
| Noninterest expense to average assets | 2.7459% | 3,897 |
| Loan and lease loss provision to assets | 0.1081% | 2,893 |
| Net operating income to assets | 0.4989% | 4,674 |
| Return on assets (ROA) | 0.4989% | 4,825 |
| Pretax return on assets | 0.7413% | 4,406 |
| Return on Equity (ROE) | 4.9639% | 4,590 |
| Retained earnings to average equity (ytd only) | 3.3376% | 4,252 |
| Net charge-offs to loans | 0.3594% | 1,560 |
| Credit loss provision to net charge-offs | 59.5679% | 2,458 |
| Earnings coverage of net charge-offs (x) | 4.6790% | 2,503 |
| Efficiency ratio | 76.1873% | 2,893 |
| Assets per employee ($millions) | 6.2901% | 1,078 |
| Cash dividends to net income (ytd only)* | 32.7625% | 2,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8436% | 2,468 |
| Loan loss allowance to noncurrent loans | 81.1699% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 1.1380% | 3,668 |
| Noncurrent loans to loans | 2.2713% | 2,303 |
| Net loans and leases to total assets | 49.1804% | 5,090 |
| Net loans and leases to deposits | 56.3475% | 5,210 |
| Net loans and leases to core deposits | 57.9201% | 5,348 |
| Total domestic deposits to total assets | 87.2806% | 2,771 |
| Equity capital to assets | 10.1954% | 3,911 |
| Core capital (leverage) ratio | 9.3321% | 4,348 |
| Tier 1 risk-based capital ratio | 16.7869% | 2,867 |
| Total risk-based capital ratio | 18.0421% | 2,829 |
| Memoranda: | ||
| Average total assets | $2,855,599,000 | 265 |
| Average earning assets | $2,672,440,500 | 254 |
| Average equity | $287,031,000 | 288 |
| Average total loans | $1,442,379,000 | 322 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1635% | 4,715 |
| Cost of funding earning assets | 0.2546% | 6,652 |
| Net interest margin | 3.9088% | 2,790 |
| Noninterest income to average assets | 1.1939% | 1,099 |
| Noninterest expense to average assets | 2.8977% | 3,651 |
| Loan and lease loss provision to assets | 0.2992% | 2,282 |
| Net operating income to assets | 1.0241% | 2,236 |
| Return on assets (ROA) | 1.0122% | 2,498 |
| Pretax return on assets | 1.6081% | 1,358 |
| Return on Equity (ROE) | 10.1906% | 2,092 |
| Retained earnings to average equity (ytd only) | 7.6982% | 1,237 |
| Net charge-offs to loans | 0.7651% | 1,531 |
| Credit loss provision to net charge-offs | 67.6232% | 4,231 |
| Earnings coverage of net charge-offs (x) | 4.3532% | 3,399 |
| Efficiency ratio | 59.5295% | 5,611 |
| Assets per employee ($millions) | 6.4875% | 1,013 |
| Cash dividends to net income (ytd only)* | 24.4580% | 3,591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8107% | 2,557 |
| Loan loss allowance to noncurrent loans | 76.4537% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 1.2144% | 3,633 |
| Noncurrent loans to loans | 2.3684% | 2,268 |
| Net loans and leases to total assets | 49.9864% | 5,168 |
| Net loans and leases to deposits | 57.2424% | 5,319 |
| Net loans and leases to core deposits | 58.9371% | 5,459 |
| Total domestic deposits to total assets | 87.3240% | 2,632 |
| Equity capital to assets | 9.9107% | 4,292 |
| Core capital (leverage) ratio | 9.1646% | 4,637 |
| Tier 1 risk-based capital ratio | 16.1936% | 3,048 |
| Total risk-based capital ratio | 17.4486% | 3,002 |
| Memoranda: | ||
| Average total assets | $2,843,650,800 | 256 |
| Average earning assets | $2,640,495,600 | 247 |
| Average equity | $282,456,600 | 282 |
| Average total loans | $1,644,281,400 | 284 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3620% | 4,196 |
| Cost of funding earning assets | 0.2630% | 6,757 |
| Net interest margin | 4.0990% | 2,092 |
| Noninterest income to average assets | 1.3983% | 764 |
| Noninterest expense to average assets | 2.9116% | 3,546 |
| Loan and lease loss provision to assets | 0.3283% | 2,000 |
| Net operating income to assets | 1.2307% | 1,627 |
| Return on assets (ROA) | 1.2148% | 1,862 |
| Pretax return on assets | 1.9389% | 796 |
| Return on Equity (ROE) | 12.2229% | 1,559 |
| Retained earnings to average equity (ytd only) | 10.5573% | 775 |
| Net charge-offs to loans | 0.7547% | 1,466 |
| Credit loss provision to net charge-offs | 73.0165% | 3,820 |
| Earnings coverage of net charge-offs (x) | 5.0973% | 3,114 |
| Efficiency ratio | 55.4453% | 6,112 |
| Assets per employee ($millions) | 6.5568% | 925 |
| Cash dividends to net income (ytd only)* | 13.6265% | 3,309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8648% | 2,603 |
| Loan loss allowance to noncurrent loans | 66.4390% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 1.4552% | 3,420 |
| Noncurrent loans to loans | 2.8067% | 2,005 |
| Net loans and leases to total assets | 50.5812% | 5,243 |
| Net loans and leases to deposits | 58.0186% | 5,427 |
| Net loans and leases to core deposits | 59.6950% | 5,590 |
| Total domestic deposits to total assets | 87.1811% | 2,569 |
| Equity capital to assets | 9.8612% | 4,693 |
| Core capital (leverage) ratio | 9.2087% | 4,748 |
| Tier 1 risk-based capital ratio | 15.9159% | 3,308 |
| Total risk-based capital ratio | 17.1717% | 3,278 |
| Memoranda: | ||
| Average total assets | $2,832,827,500 | 256 |
| Average earning assets | $2,629,969,000 | 247 |
| Average equity | $281,541,500 | 285 |
| Average total loans | $1,687,929,250 | 280 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6440% | 3,161 |
| Cost of funding earning assets | 0.2766% | 6,811 |
| Net interest margin | 4.3674% | 1,289 |
| Noninterest income to average assets | 1.8171% | 466 |
| Noninterest expense to average assets | 2.9874% | 3,302 |
| Loan and lease loss provision to assets | 0.2322% | 2,752 |
| Net operating income to assets | 1.6489% | 756 |
| Return on assets (ROA) | 1.6248% | 888 |
| Pretax return on assets | 2.6103% | 256 |
| Return on Equity (ROE) | 16.3043% | 723 |
| Retained earnings to average equity (ytd only) | 16.3043% | 210 |
| Net charge-offs to loans | 0.5955% | 1,823 |
| Credit loss provision to net charge-offs | 62.4976% | 3,738 |
| Earnings coverage of net charge-offs (x) | 7.7533% | 2,425 |
| Efficiency ratio | 50.4592% | 6,611 |
| Assets per employee ($millions) | 6.2615% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 2,710 |
| Loan loss allowance to noncurrent loans | 73.1045% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 1.4069% | 3,610 |
| Noncurrent loans to loans | 2.5277% | 2,386 |
| Net loans and leases to total assets | 54.2864% | 4,749 |
| Net loans and leases to deposits | 62.5277% | 4,933 |
| Net loans and leases to core deposits | 64.4723% | 5,159 |
| Total domestic deposits to total assets | 86.8198% | 2,882 |
| Equity capital to assets | 10.2510% | 3,990 |
| Core capital (leverage) ratio | 9.4885% | 4,152 |
| Tier 1 risk-based capital ratio | 15.5531% | 3,406 |
| Total risk-based capital ratio | 16.8088% | 3,363 |
| Memoranda: | ||
| Average total assets | $2,802,323,670 | 262 |
| Average earning assets | $2,599,048,000 | 251 |
| Average equity | $279,263,670 | 288 |
| Average total loans | $1,748,147,670 | 268 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1262% | 1,502 |
| Cost of funding earning assets | 0.3056% | 6,823 |
| Net interest margin | 4.8206% | 538 |
| Noninterest income to average assets | 2.9691% | 246 |
| Noninterest expense to average assets | 2.9882% | 3,295 |
| Loan and lease loss provision to assets | 0.1943% | 2,999 |
| Net operating income to assets | 2.6011% | 156 |
| Return on assets (ROA) | 2.5573% | 202 |
| Pretax return on assets | 4.1880% | 78 |
| Return on Equity (ROE) | 26.0368% | 161 |
| Retained earnings to average equity (ytd only) | 26.0368% | 83 |
| Net charge-offs to loans | 0.0408% | 4,128 |
| Credit loss provision to net charge-offs | 722.8723% | 485 |
| Earnings coverage of net charge-offs (x) | 165.5851% | 218 |
| Efficiency ratio | 39.8109% | 7,111 |
| Assets per employee ($millions) | 6.2392% | 1,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9382% | 2,562 |
| Loan loss allowance to noncurrent loans | 114.3472% | 2,737 |
| Noncurrent assets plus other real estate owned to assets | 1.0364% | 4,422 |
| Noncurrent loans to loans | 1.6950% | 3,566 |
| Net loans and leases to total assets | 57.5333% | 4,125 |
| Net loans and leases to deposits | 66.3616% | 4,321 |
| Net loans and leases to core deposits | 68.5046% | 4,626 |
| Total domestic deposits to total assets | 86.6968% | 3,120 |
| Equity capital to assets | 10.1045% | 3,995 |
| Core capital (leverage) ratio | 9.1392% | 4,622 |
| Tier 1 risk-based capital ratio | 14.5849% | 4,033 |
| Total risk-based capital ratio | 15.8418% | 3,985 |
| Memoranda: | ||
| Average total assets | $2,797,774,000 | 260 |
| Average earning assets | $2,594,185,500 | 249 |
| Average equity | $274,796,000 | 289 |
| Average total loans | $1,844,745,000 | 256 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9847% | 2,948 |
| Cost of funding earning assets | 0.4172% | 6,843 |
| Net interest margin | 4.5675% | 987 |
| Noninterest income to average assets | 0.6728% | 2,768 |
| Noninterest expense to average assets | 2.8867% | 4,010 |
| Loan and lease loss provision to assets | 2.3165% | 211 |
| Net operating income to assets | -0.0868% | 6,152 |
| Return on assets (ROA) | -0.0948% | 6,237 |
| Pretax return on assets | -0.2903% | 6,348 |
| Return on Equity (ROE) | -0.9550% | 6,241 |
| Retained earnings to average equity (ytd only) | -0.9550% | 6,000 |
| Net charge-offs to loans | 3.7814% | 180 |
| Credit loss provision to net charge-offs | 88.5885% | 4,076 |
| Earnings coverage of net charge-offs (x) | 0.7797% | 5,212 |
| Efficiency ratio | 58.0197% | 6,055 |
| Assets per employee ($millions) | 6.2231% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4998% | 4,030 |
| Loan loss allowance to noncurrent loans | 53.1434% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 2.1085% | 2,840 |
| Noncurrent loans to loans | 2.8222% | 2,323 |
| Net loans and leases to total assets | 72.1224% | 1,628 |
| Net loans and leases to deposits | 82.8144% | 2,091 |
| Net loans and leases to core deposits | 85.6321% | 2,679 |
| Total domestic deposits to total assets | 87.0893% | 2,710 |
| Equity capital to assets | 9.5387% | 4,818 |
| Core capital (leverage) ratio | 8.4219% | 5,683 |
| Tier 1 risk-based capital ratio | 10.8435% | 6,536 |
| Total risk-based capital ratio | 12.0932% | 6,518 |
| Memoranda: | ||
| Average total assets | $2,769,429,400 | 261 |
| Average earning assets | $2,578,485,200 | 250 |
| Average equity | $274,856,000 | 280 |
| Average total loans | $1,915,106,000 | 243 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9468% | 3,348 |
| Cost of funding earning assets | 0.4430% | 6,901 |
| Net interest margin | 4.5038% | 1,140 |
| Noninterest income to average assets | 0.7015% | 2,599 |
| Noninterest expense to average assets | 2.9397% | 3,777 |
| Loan and lease loss provision to assets | 0.4600% | 2,156 |
| Net operating income to assets | 0.9952% | 2,342 |
| Return on assets (ROA) | 0.9852% | 2,534 |
| Pretax return on assets | 1.4869% | 1,686 |
| Return on Equity (ROE) | 9.8301% | 2,261 |
| Retained earnings to average equity (ytd only) | 9.8301% | 888 |
| Net charge-offs to loans | 0.4485% | 2,930 |
| Credit loss provision to net charge-offs | 150.5527% | 2,073 |
| Earnings coverage of net charge-offs (x) | 6.4220% | 2,556 |
| Efficiency ratio | 59.3657% | 5,815 |
| Assets per employee ($millions) | 6.5303% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0682% | 2,151 |
| Loan loss allowance to noncurrent loans | 69.3485% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 2.1138% | 3,013 |
| Noncurrent loans to loans | 2.9823% | 2,322 |
| Net loans and leases to total assets | 68.3750% | 2,406 |
| Net loans and leases to deposits | 78.5545% | 2,880 |
| Net loans and leases to core deposits | 81.2353% | 3,449 |
| Total domestic deposits to total assets | 87.0415% | 2,628 |
| Equity capital to assets | 9.9285% | 4,437 |
| Core capital (leverage) ratio | 9.2205% | 4,592 |
| Tier 1 risk-based capital ratio | 12.1193% | 5,801 |
| Total risk-based capital ratio | 13.3780% | 5,790 |
| Memoranda: | ||
| Average total assets | $2,763,246,250 | 259 |
| Average earning assets | $2,577,025,500 | 247 |
| Average equity | $276,938,500 | 279 |
| Average total loans | $1,882,406,750 | 245 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9930% | 3,188 |
| Cost of funding earning assets | 0.4763% | 6,927 |
| Net interest margin | 4.5167% | 1,094 |
| Noninterest income to average assets | 0.6475% | 2,860 |
| Noninterest expense to average assets | 3.0067% | 3,619 |
| Loan and lease loss provision to assets | 0.5161% | 1,898 |
| Net operating income to assets | 0.9003% | 2,636 |
| Return on assets (ROA) | 0.8900% | 2,789 |
| Pretax return on assets | 1.3165% | 2,090 |
| Return on Equity (ROE) | 8.8511% | 2,575 |
| Retained earnings to average equity (ytd only) | 8.8511% | 1,154 |
| Net charge-offs to loans | 0.4433% | 2,797 |
| Credit loss provision to net charge-offs | 172.4673% | 1,753 |
| Earnings coverage of net charge-offs (x) | 6.1740% | 2,450 |
| Efficiency ratio | 61.3138% | 5,684 |
| Assets per employee ($millions) | 6.2972% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1646% | 1,990 |
| Loan loss allowance to noncurrent loans | 67.4302% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 2.2911% | 2,863 |
| Noncurrent loans to loans | 3.2102% | 2,232 |
| Net loans and leases to total assets | 67.2600% | 2,775 |
| Net loans and leases to deposits | 77.8144% | 3,151 |
| Net loans and leases to core deposits | 80.7880% | 3,678 |
| Total domestic deposits to total assets | 86.4364% | 3,080 |
| Equity capital to assets | 9.8994% | 4,273 |
| Core capital (leverage) ratio | 9.1031% | 4,561 |
| Tier 1 risk-based capital ratio | 12.2556% | 5,563 |
| Total risk-based capital ratio | 13.5155% | 5,541 |
| Memoranda: | ||
| Average total assets | $2,711,311,000 | 268 |
| Average earning assets | $2,525,326,000 | 256 |
| Average equity | $272,645,330 | 283 |
| Average total loans | $1,830,525,000 | 254 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9467% | 3,342 |
| Cost of funding earning assets | 0.5119% | 6,934 |
| Net interest margin | 4.4347% | 1,208 |
| Noninterest income to average assets | 0.7428% | 2,299 |
| Noninterest expense to average assets | 3.0178% | 3,564 |
| Loan and lease loss provision to assets | 0.8198% | 1,020 |
| Net operating income to assets | 0.7293% | 3,385 |
| Return on assets (ROA) | 0.7122% | 3,531 |
| Pretax return on assets | 1.0071% | 3,112 |
| Return on Equity (ROE) | 7.0242% | 3,366 |
| Retained earnings to average equity (ytd only) | 7.0242% | 2,138 |
| Net charge-offs to loans | 0.9252% | 1,439 |
| Credit loss provision to net charge-offs | 132.5310% | 2,096 |
| Earnings coverage of net charge-offs (x) | 2.9925% | 2,888 |
| Efficiency ratio | 61.3474% | 5,789 |
| Assets per employee ($millions) | 5.9075% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2130% | 1,932 |
| Loan loss allowance to noncurrent loans | 67.2133% | 4,054 |
| Noncurrent assets plus other real estate owned to assets | 2.4411% | 2,783 |
| Noncurrent loans to loans | 3.2925% | 2,286 |
| Net loans and leases to total assets | 67.1143% | 2,729 |
| Net loans and leases to deposits | 78.7307% | 2,936 |
| Net loans and leases to core deposits | 82.0395% | 3,448 |
| Total domestic deposits to total assets | 85.2455% | 3,928 |
| Equity capital to assets | 10.2208% | 3,511 |
| Core capital (leverage) ratio | 9.1161% | 4,423 |
| Tier 1 risk-based capital ratio | 12.4049% | 5,348 |
| Total risk-based capital ratio | 13.6650% | 5,321 |
| Memoranda: | ||
| Average total assets | $2,659,541,500 | 273 |
| Average earning assets | $2,474,479,000 | 260 |
| Average equity | $269,641,000 | 282 |
| Average total loans | $1,778,209,500 | 262 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9792% | 4,653 |
| Cost of funding earning assets | 0.6865% | 6,919 |
| Net interest margin | 4.2927% | 1,844 |
| Noninterest income to average assets | 0.5572% | 3,776 |
| Noninterest expense to average assets | 2.6614% | 5,168 |
| Loan and lease loss provision to assets | 1.6806% | 845 |
| Net operating income to assets | 0.2600% | 5,078 |
| Return on assets (ROA) | 0.1739% | 5,529 |
| Pretax return on assets | 0.1231% | 5,655 |
| Return on Equity (ROE) | 1.8676% | 5,439 |
| Retained earnings to average equity (ytd only) | 1.8676% | 4,556 |
| Net charge-offs to loans | 2.6223% | 698 |
| Credit loss provision to net charge-offs | 100.6599% | 4,517 |
| Earnings coverage of net charge-offs (x) | 1.1319% | 4,975 |
| Efficiency ratio | 57.8244% | 6,357 |
| Assets per employee ($millions) | 5.7844% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2437% | 1,788 |
| Loan loss allowance to noncurrent loans | 73.3227% | 3,799 |
| Noncurrent assets plus other real estate owned to assets | 2.4056% | 2,863 |
| Noncurrent loans to loans | 3.0600% | 2,493 |
| Net loans and leases to total assets | 63.6386% | 3,944 |
| Net loans and leases to deposits | 75.2780% | 3,962 |
| Net loans and leases to core deposits | 78.9004% | 4,357 |
| Total domestic deposits to total assets | 84.5381% | 4,091 |
| Equity capital to assets | 10.0569% | 3,678 |
| Core capital (leverage) ratio | 8.8224% | 4,822 |
| Tier 1 risk-based capital ratio | 12.7813% | 4,787 |
| Total risk-based capital ratio | 14.0412% | 4,744 |
| Memoranda: | ||
| Average total assets | $2,768,454,600 | 257 |
| Average earning assets | $2,575,831,400 | 247 |
| Average equity | $257,763,400 | 293 |
| Average total loans | $1,762,654,400 | 269 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9808% | 4,906 |
| Cost of funding earning assets | 0.7195% | 7,007 |
| Net interest margin | 4.2612% | 1,984 |
| Noninterest income to average assets | 0.5252% | 3,984 |
| Noninterest expense to average assets | 2.6069% | 5,300 |
| Loan and lease loss provision to assets | 1.9424% | 619 |
| Net operating income to assets | -0.0390% | 6,080 |
| Return on assets (ROA) | -0.1065% | 6,281 |
| Pretax return on assets | -0.1660% | 6,292 |
| Return on Equity (ROE) | -1.1658% | 6,300 |
| Retained earnings to average equity (ytd only) | -1.1658% | 6,043 |
| Net charge-offs to loans | 3.1996% | 455 |
| Credit loss provision to net charge-offs | 95.8596% | 4,519 |
| Earnings coverage of net charge-offs (x) | 0.9287% | 5,137 |
| Efficiency ratio | 57.4231% | 6,357 |
| Assets per employee ($millions) | 6.0924% | 1,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1315% | 1,922 |
| Loan loss allowance to noncurrent loans | 57.6533% | 4,464 |
| Noncurrent assets plus other real estate owned to assets | 2.5955% | 2,783 |
| Noncurrent loans to loans | 3.6972% | 2,105 |
| Net loans and leases to total assets | 59.9100% | 4,930 |
| Net loans and leases to deposits | 70.6839% | 5,052 |
| Net loans and leases to core deposits | 74.1010% | 5,279 |
| Total domestic deposits to total assets | 84.7577% | 3,744 |
| Equity capital to assets | 9.3369% | 5,070 |
| Core capital (leverage) ratio | 8.3015% | 5,870 |
| Tier 1 risk-based capital ratio | 12.4657% | 5,015 |
| Total risk-based capital ratio | 13.7236% | 4,981 |
| Memoranda: | ||
| Average total assets | $2,793,914,000 | 255 |
| Average earning assets | $2,598,625,500 | 244 |
| Average equity | $255,159,500 | 291 |
| Average total loans | $1,769,331,250 | 272 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0681% | 4,620 |
| Cost of funding earning assets | 0.7529% | 7,058 |
| Net interest margin | 4.3152% | 1,717 |
| Noninterest income to average assets | 0.5275% | 3,894 |
| Noninterest expense to average assets | 2.6036% | 5,312 |
| Loan and lease loss provision to assets | 2.4528% | 471 |
| Net operating income to assets | -0.3375% | 6,515 |
| Return on assets (ROA) | -0.4407% | 6,639 |
| Pretax return on assets | -0.6762% | 6,708 |
| Return on Equity (ROE) | -4.8622% | 6,689 |
| Retained earnings to average equity (ytd only) | -4.8622% | 6,541 |
| Net charge-offs to loans | 2.8780% | 569 |
| Credit loss provision to net charge-offs | 133.0760% | 3,023 |
| Earnings coverage of net charge-offs (x) | 1.0500% | 4,744 |
| Efficiency ratio | 56.7111% | 6,545 |
| Assets per employee ($millions) | 6.2363% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7081% | 1,086 |
| Loan loss allowance to noncurrent loans | 67.3147% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.6235% | 2,755 |
| Noncurrent loans to loans | 4.0231% | 1,882 |
| Net loans and leases to total assets | 58.7638% | 5,292 |
| Net loans and leases to deposits | 69.5340% | 5,342 |
| Net loans and leases to core deposits | 72.9601% | 5,559 |
| Total domestic deposits to total assets | 84.5109% | 3,865 |
| Equity capital to assets | 8.9296% | 5,558 |
| Core capital (leverage) ratio | 8.1262% | 6,073 |
| Tier 1 risk-based capital ratio | 12.5893% | 4,779 |
| Total risk-based capital ratio | 13.8563% | 4,732 |
| Memoranda: | ||
| Average total assets | $2,782,920,330 | 254 |
| Average earning assets | $2,586,993,000 | 245 |
| Average equity | $252,231,000 | 295 |
| Average total loans | $1,782,281,670 | 271 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2034% | 3,997 |
| Cost of funding earning assets | 0.7727% | 7,172 |
| Net interest margin | 4.4307% | 1,295 |
| Noninterest income to average assets | 0.6362% | 3,030 |
| Noninterest expense to average assets | 2.6599% | 5,103 |
| Loan and lease loss provision to assets | 0.8167% | 1,548 |
| Net operating income to assets | 0.8986% | 2,548 |
| Return on assets (ROA) | 0.7240% | 3,447 |
| Pretax return on assets | 1.0296% | 2,969 |
| Return on Equity (ROE) | 7.9260% | 2,920 |
| Retained earnings to average equity (ytd only) | 7.9260% | 1,736 |
| Net charge-offs to loans | 1.0787% | 1,548 |
| Credit loss provision to net charge-offs | 114.7851% | 3,031 |
| Earnings coverage of net charge-offs (x) | 2.9455% | 3,078 |
| Efficiency ratio | 55.2995% | 6,849 |
| Assets per employee ($millions) | 6.2834% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1925% | 1,772 |
| Loan loss allowance to noncurrent loans | 50.3428% | 4,971 |
| Noncurrent assets plus other real estate owned to assets | 3.0377% | 2,353 |
| Noncurrent loans to loans | 4.3552% | 1,736 |
| Net loans and leases to total assets | 62.6601% | 4,624 |
| Net loans and leases to deposits | 75.4429% | 4,507 |
| Net loans and leases to core deposits | 79.5084% | 4,830 |
| Total domestic deposits to total assets | 83.0563% | 4,593 |
| Equity capital to assets | 9.0352% | 5,225 |
| Core capital (leverage) ratio | 8.2899% | 5,762 |
| Tier 1 risk-based capital ratio | 11.8914% | 5,307 |
| Total risk-based capital ratio | 12.9602% | 5,431 |
| Memoranda: | ||
| Average total assets | $2,733,798,000 | 269 |
| Average earning assets | $2,541,808,000 | 262 |
| Average equity | $249,708,500 | 297 |
| Average total loans | $1,803,317,500 | 279 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6860% | 3,174 |
| Cost of funding earning assets | 0.9429% | 7,321 |
| Net interest margin | 4.7431% | 777 |
| Noninterest income to average assets | 0.5901% | 3,702 |
| Noninterest expense to average assets | 2.7347% | 5,224 |
| Loan and lease loss provision to assets | 0.9331% | 2,415 |
| Net operating income to assets | 0.9624% | 1,978 |
| Return on assets (ROA) | 0.8043% | 2,606 |
| Pretax return on assets | 1.1266% | 2,167 |
| Return on Equity (ROE) | 10.0407% | 1,674 |
| Retained earnings to average equity (ytd only) | -2.3929% | 5,595 |
| Net charge-offs to loans | 0.4188% | 4,128 |
| Credit loss provision to net charge-offs | 322.7440% | 1,008 |
| Earnings coverage of net charge-offs (x) | 7.8941% | 2,046 |
| Efficiency ratio | 54.2924% | 7,201 |
| Assets per employee ($millions) | 5.6093% | 1,548 |
| Cash dividends to net income (ytd only)* | 123.8318% | 385 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1064% | 1,811 |
| Loan loss allowance to noncurrent loans | 74.3889% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 2.3082% | 2,996 |
| Noncurrent loans to loans | 2.8316% | 2,723 |
| Net loans and leases to total assets | 67.5374% | 3,809 |
| Net loans and leases to deposits | 81.3193% | 3,732 |
| Net loans and leases to core deposits | 86.2266% | 5,499 |
| Total domestic deposits to total assets | 83.0521% | 4,500 |
| Equity capital to assets | 9.2049% | 4,839 |
| Core capital (leverage) ratio | 8.4309% | 5,384 |
| Tier 1 risk-based capital ratio | 11.4344% | 5,469 |
| Total risk-based capital ratio | 12.6774% | 5,438 |
| Memoranda: | ||
| Average total assets | $2,445,305,800 | 300 |
| Average earning assets | $2,282,327,800 | 294 |
| Average equity | $195,873,400 | 356 |
| Average total loans | $1,687,960,400 | 302 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7241% | 3,216 |
| Cost of funding earning assets | 0.9732% | 7,442 |
| Net interest margin | 4.7509% | 757 |
| Noninterest income to average assets | 0.5761% | 3,882 |
| Noninterest expense to average assets | 2.8045% | 4,878 |
| Loan and lease loss provision to assets | 0.8699% | 2,208 |
| Net operating income to assets | 0.9642% | 2,178 |
| Return on assets (ROA) | 0.8020% | 2,873 |
| Pretax return on assets | 1.1144% | 2,520 |
| Return on Equity (ROE) | 10.4178% | 1,782 |
| Retained earnings to average equity (ytd only) | -6.9764% | 6,505 |
| Net charge-offs to loans | 0.2970% | 4,171 |
| Credit loss provision to net charge-offs | 424.2758% | 937 |
| Earnings coverage of net charge-offs (x) | 10.7766% | 1,923 |
| Efficiency ratio | 55.7148% | 7,041 |
| Assets per employee ($millions) | 5.4320% | 1,681 |
| Cash dividends to net income (ytd only)* | 166.9662% | 243 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9410% | 1,928 |
| Loan loss allowance to noncurrent loans | 60.8854% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 2.4151% | 2,851 |
| Noncurrent loans to loans | 3.1880% | 2,370 |
| Net loans and leases to total assets | 68.4166% | 3,861 |
| Net loans and leases to deposits | 81.4859% | 4,116 |
| Net loans and leases to core deposits | 86.5057% | 5,819 |
| Total domestic deposits to total assets | 83.9613% | 3,742 |
| Equity capital to assets | 7.6746% | 7,170 |
| Core capital (leverage) ratio | 6.8625% | 7,513 |
| Tier 1 risk-based capital ratio | 9.1882% | 7,545 |
| Total risk-based capital ratio | 10.4444% | 7,540 |
| Memoranda: | ||
| Average total assets | $2,424,180,750 | 313 |
| Average earning assets | $2,264,531,500 | 307 |
| Average equity | $186,625,000 | 379 |
| Average total loans | $1,673,618,750 | 322 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7618% | 3,241 |
| Cost of funding earning assets | 1.0187% | 7,512 |
| Net interest margin | 4.7432% | 740 |
| Noninterest income to average assets | 0.6343% | 3,445 |
| Noninterest expense to average assets | 2.8466% | 4,756 |
| Loan and lease loss provision to assets | 1.1058% | 1,552 |
| Net operating income to assets | 0.8593% | 2,615 |
| Return on assets (ROA) | 0.6364% | 3,634 |
| Pretax return on assets | 0.8224% | 3,596 |
| Return on Equity (ROE) | 8.2576% | 2,665 |
| Retained earnings to average equity (ytd only) | -13.4063% | 7,145 |
| Net charge-offs to loans | 0.2512% | 3,946 |
| Credit loss provision to net charge-offs | 639.8277% | 728 |
| Earnings coverage of net charge-offs (x) | 12.8320% | 1,783 |
| Efficiency ratio | 55.9930% | 7,122 |
| Assets per employee ($millions) | 4.8930% | 2,205 |
| Cash dividends to net income (ytd only)* | 262.3505% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9032% | 1,783 |
| Loan loss allowance to noncurrent loans | 65.7799% | 4,137 |
| Noncurrent assets plus other real estate owned to assets | 2.3059% | 2,824 |
| Noncurrent loans to loans | 2.8933% | 2,494 |
| Net loans and leases to total assets | 68.5819% | 4,050 |
| Net loans and leases to deposits | 82.5161% | 4,132 |
| Net loans and leases to core deposits | 87.6233% | 5,754 |
| Total domestic deposits to total assets | 83.1133% | 4,190 |
| Equity capital to assets | 7.5007% | 7,264 |
| Core capital (leverage) ratio | 6.7913% | 7,661 |
| Tier 1 risk-based capital ratio | 8.9831% | 7,705 |
| Total risk-based capital ratio | 10.2414% | 7,722 |
| Memoranda: | ||
| Average total assets | $2,417,445,670 | 323 |
| Average earning assets | $2,257,822,000 | 318 |
| Average equity | $186,301,000 | 385 |
| Average total loans | $1,663,001,670 | 331 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8412% | 3,087 |
| Cost of funding earning assets | 1.0640% | 7,578 |
| Net interest margin | 4.7772% | 638 |
| Noninterest income to average assets | 0.6598% | 3,137 |
| Noninterest expense to average assets | 2.8183% | 4,486 |
| Loan and lease loss provision to assets | 0.3921% | 2,974 |
| Net operating income to assets | 1.2496% | 1,511 |
| Return on assets (ROA) | 1.0947% | 2,108 |
| Pretax return on assets | 1.6768% | 1,223 |
| Return on Equity (ROE) | 14.0167% | 1,166 |
| Retained earnings to average equity (ytd only) | -17.7188% | 7,573 |
| Net charge-offs to loans | 0.1881% | 3,506 |
| Credit loss provision to net charge-offs | 305.5556% | 1,590 |
| Earnings coverage of net charge-offs (x) | 17.9793% | 1,481 |
| Efficiency ratio | 54.7728% | 7,137 |
| Assets per employee ($millions) | 5.5752% | 1,502 |
| Cash dividends to net income (ytd only)* | 226.4122% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3567% | 3,752 |
| Loan loss allowance to noncurrent loans | 74.5015% | 3,894 |
| Noncurrent assets plus other real estate owned to assets | 1.4698% | 3,732 |
| Noncurrent loans to loans | 1.8211% | 3,532 |
| Net loans and leases to total assets | 68.0846% | 4,120 |
| Net loans and leases to deposits | 85.6447% | 3,695 |
| Net loans and leases to core deposits | 91.4668% | 5,409 |
| Total domestic deposits to total assets | 79.4966% | 5,541 |
| Equity capital to assets | 7.7070% | 7,168 |
| Core capital (leverage) ratio | 6.9923% | 7,641 |
| Tier 1 risk-based capital ratio | 9.3468% | 7,551 |
| Total risk-based capital ratio | 10.5971% | 7,513 |
| Memoranda: | ||
| Average total assets | $2,412,692,500 | 324 |
| Average earning assets | $2,255,284,000 | 318 |
| Average equity | $188,432,500 | 381 |
| Average total loans | $1,646,132,000 | 333 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2942% | 3,989 |
| Cost of funding earning assets | 1.3573% | 7,791 |
| Net interest margin | 4.9369% | 586 |
| Noninterest income to average assets | 0.8649% | 2,136 |
| Noninterest expense to average assets | 2.8528% | 4,593 |
| Loan and lease loss provision to assets | 0.4205% | 3,178 |
| Net operating income to assets | 1.4532% | 1,120 |
| Return on assets (ROA) | 1.4124% | 1,158 |
| Pretax return on assets | 2.1316% | 459 |
| Return on Equity (ROE) | 16.6674% | 677 |
| Retained earnings to average equity (ytd only) | 1.9691% | 4,008 |
| Net charge-offs to loans | 0.3219% | 3,250 |
| Credit loss provision to net charge-offs | 206.3258% | 2,350 |
| Earnings coverage of net charge-offs (x) | 12.8250% | 2,202 |
| Efficiency ratio | 51.9704% | 7,494 |
| Assets per employee ($millions) | 5.5179% | 1,446 |
| Cash dividends to net income (ytd only)* | 88.1858% | 1,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 3,841 |
| Loan loss allowance to noncurrent loans | 133.9132% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 4,686 |
| Noncurrent loans to loans | 0.9651% | 4,669 |
| Net loans and leases to total assets | 66.5625% | 4,742 |
| Net loans and leases to deposits | 93.6269% | 2,831 |
| Net loans and leases to core deposits | 100.5089% | 4,777 |
| Total domestic deposits to total assets | 71.0934% | 7,146 |
| Equity capital to assets | 7.9132% | 6,950 |
| Core capital (leverage) ratio | 7.4235% | 7,290 |
| Tier 1 risk-based capital ratio | 9.9530% | 6,791 |
| Total risk-based capital ratio | 11.1479% | 6,732 |
| Memoranda: | ||
| Average total assets | $2,264,723,400 | 320 |
| Average earning assets | $2,111,042,200 | 316 |
| Average equity | $191,914,000 | 384 |
| Average total loans | $1,433,790,200 | 364 |