Home > Los Alamos National Bank > Performance and Condition Ratios
Los Alamos National Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,464 |
| Cost of funding earning assets | 0.1768% | 5,088 |
| Net interest margin | 3.6345% | 3,266 |
| Noninterest income to average assets | 0.7745% | 1,551 |
| Noninterest expense to average assets | 2.9065% | 2,329 |
| Loan and lease loss provision to assets | -0.1167% | 5,283 |
| Net operating income to assets | 1.0734% | 2,707 |
| Return on assets (ROA) | 1.0734% | 2,692 |
| Pretax return on assets | 1.3362% | 2,380 |
| Return on Equity (ROE) | 10.8875% | 2,135 |
| Retained earnings to average equity (ytd only) | 10.8875% | 461 |
| Net charge-offs to loans | 0.3931% | 476 |
| Credit loss provision to net charge-offs | -52.9517% | 4,336 |
| Earnings coverage of net charge-offs (x) | 5.5309% | 3,186 |
| Efficiency ratio | 70.4439% | 2,117 |
| Assets per employee ($millions) | 6.1462% | 1,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 1,913 |
| Loan loss allowance to noncurrent loans | 55.0370% | 4,219 |
| Noncurrent assets plus other real estate owned to assets | 1.8586% | 542 |
| Noncurrent loans to loans | 2.4130% | 518 |
| Net loans and leases to total assets | 56.7381% | 4,074 |
| Net loans and leases to deposits | 64.8211% | 4,203 |
| Net loans and leases to core deposits | 65.8826% | 4,367 |
| Total domestic deposits to total assets | 87.5302% | 1,522 |
| Equity capital to assets | 10.7239% | 2,953 |
| Core capital (leverage) ratio | 11.1667% | 2,380 |
| Tier 1 risk-based capital ratio | 15.9668% | 2,414 |
| Total risk-based capital ratio | 17.0639% | 2,413 |
| Memoranda: | ||
| Average total assets | $1,267,667,200 | 618 |
| Average earning assets | $1,168,951,800 | 613 |
| Average equity | $124,978,400 | 693 |
| Average total loans | $711,066,000 | 780 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7864% | 4,467 |
| Cost of funding earning assets | 0.1780% | 5,104 |
| Net interest margin | 3.6084% | 3,341 |
| Noninterest income to average assets | 0.8049% | 1,459 |
| Noninterest expense to average assets | 2.8230% | 2,563 |
| Loan and lease loss provision to assets | -0.1551% | 5,383 |
| Net operating income to assets | 1.1452% | 2,458 |
| Return on assets (ROA) | 1.1452% | 2,472 |
| Pretax return on assets | 1.4659% | 2,016 |
| Return on Equity (ROE) | 11.8709% | 1,838 |
| Retained earnings to average equity (ytd only) | 11.8709% | 494 |
| Net charge-offs to loans | 0.5253% | 289 |
| Credit loss provision to net charge-offs | -52.9517% | 4,168 |
| Earnings coverage of net charge-offs (x) | 4.4766% | 3,060 |
| Efficiency ratio | 68.2903% | 2,485 |
| Assets per employee ($millions) | 6.0399% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 1,918 |
| Loan loss allowance to noncurrent loans | 109.3915% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 1,198 |
| Noncurrent loans to loans | 1.2239% | 1,377 |
| Net loans and leases to total assets | 56.1569% | 4,206 |
| Net loans and leases to deposits | 63.7141% | 4,346 |
| Net loans and leases to core deposits | 64.8218% | 4,469 |
| Total domestic deposits to total assets | 88.1389% | 1,182 |
| Equity capital to assets | 10.0818% | 3,558 |
| Core capital (leverage) ratio | 10.7753% | 2,821 |
| Tier 1 risk-based capital ratio | 15.8115% | 2,524 |
| Total risk-based capital ratio | 16.9333% | 2,514 |
| Memoranda: | ||
| Average total assets | $1,272,665,500 | 616 |
| Average earning assets | $1,174,075,250 | 610 |
| Average equity | $122,773,250 | 699 |
| Average total loans | $709,474,000 | 773 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7354% | 4,497 |
| Cost of funding earning assets | 0.1715% | 5,146 |
| Net interest margin | 3.5640% | 3,427 |
| Noninterest income to average assets | 0.8571% | 1,295 |
| Noninterest expense to average assets | 2.8636% | 2,454 |
| Loan and lease loss provision to assets | -0.0750% | 5,399 |
| Net operating income to assets | 1.1025% | 2,572 |
| Return on assets (ROA) | 1.1025% | 2,580 |
| Pretax return on assets | 1.3581% | 2,299 |
| Return on Equity (ROE) | 11.5992% | 1,876 |
| Retained earnings to average equity (ytd only) | 11.5992% | 576 |
| Net charge-offs to loans | 0.8124% | 166 |
| Credit loss provision to net charge-offs | -16.6725% | 3,950 |
| Earnings coverage of net charge-offs (x) | 2.8527% | 2,941 |
| Efficiency ratio | 69.0566% | 2,478 |
| Assets per employee ($millions) | 6.0028% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4490% | 1,567 |
| Loan loss allowance to noncurrent loans | 100.5004% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.2719% | 1,113 |
| Noncurrent loans to loans | 1.4418% | 1,174 |
| Net loans and leases to total assets | 55.5547% | 4,198 |
| Net loans and leases to deposits | 62.9924% | 4,353 |
| Net loans and leases to core deposits | 64.0775% | 4,483 |
| Total domestic deposits to total assets | 88.1928% | 1,277 |
| Equity capital to assets | 9.6573% | 3,960 |
| Core capital (leverage) ratio | 10.3255% | 3,216 |
| Tier 1 risk-based capital ratio | 15.2494% | 2,758 |
| Total risk-based capital ratio | 16.5003% | 2,687 |
| Memoranda: | ||
| Average total assets | $1,280,131,670 | 611 |
| Average earning assets | $1,181,600,670 | 607 |
| Average equity | $121,681,330 | 704 |
| Average total loans | $708,752,330 | 771 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 4,603 |
| Cost of funding earning assets | 0.1574% | 5,234 |
| Net interest margin | 3.4898% | 3,569 |
| Noninterest income to average assets | 0.6455% | 2,051 |
| Noninterest expense to average assets | 2.9261% | 2,268 |
| Loan and lease loss provision to assets | 0.0687% | 2,391 |
| Net operating income to assets | 0.7429% | 3,931 |
| Return on assets (ROA) | 0.7429% | 3,933 |
| Pretax return on assets | 0.8763% | 3,927 |
| Return on Equity (ROE) | 7.8786% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.8786% | 1,888 |
| Net charge-offs to loans | 1.5852% | 86 |
| Credit loss provision to net charge-offs | 7.8995% | 2,177 |
| Earnings coverage of net charge-offs (x) | 1.0865% | 2,593 |
| Efficiency ratio | 75.5889% | 1,656 |
| Assets per employee ($millions) | 5.9475% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5933% | 1,173 |
| Loan loss allowance to noncurrent loans | 89.0139% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 1.4916% | 934 |
| Noncurrent loans to loans | 1.7899% | 940 |
| Net loans and leases to total assets | 54.2814% | 4,258 |
| Net loans and leases to deposits | 60.4402% | 4,443 |
| Net loans and leases to core deposits | 61.4890% | 4,586 |
| Total domestic deposits to total assets | 89.8101% | 733 |
| Equity capital to assets | 9.3114% | 4,260 |
| Core capital (leverage) ratio | 9.9331% | 3,598 |
| Tier 1 risk-based capital ratio | 14.8903% | 2,927 |
| Total risk-based capital ratio | 16.1420% | 2,855 |
| Memoranda: | ||
| Average total assets | $1,280,898,000 | 614 |
| Average earning assets | $1,183,914,000 | 610 |
| Average equity | $120,783,000 | 712 |
| Average total loans | $702,745,500 | 779 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 4,363 |
| Cost of funding earning assets | 0.1539% | 5,237 |
| Net interest margin | 3.5353% | 3,404 |
| Noninterest income to average assets | 0.6446% | 2,228 |
| Noninterest expense to average assets | 3.4621% | 1,101 |
| Loan and lease loss provision to assets | -0.3165% | 5,619 |
| Net operating income to assets | 0.0318% | 5,326 |
| Return on assets (ROA) | -0.0280% | 5,388 |
| Pretax return on assets | 0.7008% | 4,507 |
| Return on Equity (ROE) | -0.2962% | 5,389 |
| Retained earnings to average equity (ytd only) | -2.6718% | 5,329 |
| Net charge-offs to loans | -0.0896% | 5,341 |
| Credit loss provision to net charge-offs | 628.9121% | 511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8702% | 539 |
| Assets per employee ($millions) | 5.8948% | 1,591 |
| Cash dividends to net income (ytd only)* | -802.1390% | 5,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5434% | 1,283 |
| Loan loss allowance to noncurrent loans | 62.3010% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 1.8499% | 649 |
| Noncurrent loans to loans | 2.4773% | 541 |
| Net loans and leases to total assets | 53.6276% | 4,390 |
| Net loans and leases to deposits | 60.2333% | 4,550 |
| Net loans and leases to core deposits | 61.2853% | 4,697 |
| Total domestic deposits to total assets | 89.0330% | 988 |
| Equity capital to assets | 9.7098% | 4,020 |
| Core capital (leverage) ratio | 9.7383% | 3,759 |
| Tier 1 risk-based capital ratio | 15.1050% | 2,795 |
| Total risk-based capital ratio | 16.3569% | 2,735 |
| Memoranda: | ||
| Average total assets | $1,333,515,400 | 578 |
| Average earning assets | $1,242,993,000 | 566 |
| Average equity | $126,281,000 | 653 |
| Average total loans | $748,722,800 | 698 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6453% | 4,455 |
| Cost of funding earning assets | 0.1535% | 5,295 |
| Net interest margin | 3.4918% | 3,531 |
| Noninterest income to average assets | 0.6789% | 2,089 |
| Noninterest expense to average assets | 3.4784% | 1,029 |
| Loan and lease loss provision to assets | -0.1209% | 5,608 |
| Net operating income to assets | 0.0764% | 5,461 |
| Return on assets (ROA) | -0.0028% | 5,519 |
| Pretax return on assets | 0.4587% | 5,101 |
| Return on Equity (ROE) | -0.0295% | 5,519 |
| Retained earnings to average equity (ytd only) | -0.0295% | 5,212 |
| Net charge-offs to loans | -0.0119% | 4,680 |
| Credit loss provision to net charge-offs | 1,794.1176% | 222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2881% | 492 |
| Assets per employee ($millions) | 5.3812% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7959% | 855 |
| Loan loss allowance to noncurrent loans | 81.8554% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.8450% | 733 |
| Noncurrent loans to loans | 2.1940% | 744 |
| Net loans and leases to total assets | 54.7494% | 4,347 |
| Net loans and leases to deposits | 61.3050% | 4,567 |
| Net loans and leases to core deposits | 62.3007% | 4,697 |
| Total domestic deposits to total assets | 89.3065% | 744 |
| Equity capital to assets | 9.6987% | 4,244 |
| Core capital (leverage) ratio | 9.8963% | 3,701 |
| Tier 1 risk-based capital ratio | 15.0880% | 2,882 |
| Total risk-based capital ratio | 16.3432% | 2,808 |
| Memoranda: | ||
| Average total assets | $1,345,629,500 | 572 |
| Average earning assets | $1,256,673,000 | 558 |
| Average equity | $126,657,000 | 653 |
| Average total loans | $760,916,250 | 691 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6235% | 4,448 |
| Cost of funding earning assets | 0.1547% | 5,310 |
| Net interest margin | 3.4688% | 3,512 |
| Noninterest income to average assets | 0.7303% | 1,858 |
| Noninterest expense to average assets | 3.6507% | 817 |
| Loan and lease loss provision to assets | -0.1431% | 5,676 |
| Net operating income to assets | 0.1792% | 5,423 |
| Return on assets (ROA) | 0.0614% | 5,524 |
| Pretax return on assets | 0.2755% | 5,365 |
| Return on Equity (ROE) | 0.6568% | 5,509 |
| Retained earnings to average equity (ytd only) | 0.6568% | 4,936 |
| Net charge-offs to loans | 0.0559% | 2,132 |
| Credit loss provision to net charge-offs | -451.1628% | 4,648 |
| Earnings coverage of net charge-offs (x) | 9.9767% | 2,384 |
| Efficiency ratio | 92.0216% | 364 |
| Assets per employee ($millions) | 4.8934% | 2,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 973 |
| Loan loss allowance to noncurrent loans | 101.0669% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.5394% | 972 |
| Noncurrent loans to loans | 1.7366% | 1,045 |
| Net loans and leases to total assets | 56.4115% | 4,181 |
| Net loans and leases to deposits | 63.1501% | 4,422 |
| Net loans and leases to core deposits | 64.2615% | 4,582 |
| Total domestic deposits to total assets | 89.3293% | 798 |
| Equity capital to assets | 9.8082% | 4,120 |
| Core capital (leverage) ratio | 9.6413% | 3,971 |
| Tier 1 risk-based capital ratio | 14.7328% | 3,045 |
| Total risk-based capital ratio | 15.9884% | 2,976 |
| Memoranda: | ||
| Average total assets | $1,355,348,670 | 571 |
| Average earning assets | $1,264,746,330 | 557 |
| Average equity | $126,684,000 | 658 |
| Average total loans | $769,549,670 | 688 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5294% | 4,609 |
| Cost of funding earning assets | 0.1537% | 5,348 |
| Net interest margin | 3.3758% | 3,733 |
| Noninterest income to average assets | 0.7251% | 1,853 |
| Noninterest expense to average assets | 3.8358% | 651 |
| Loan and lease loss provision to assets | 0.0087% | 3,445 |
| Net operating income to assets | 0.0597% | 5,554 |
| Return on assets (ROA) | 0.0597% | 5,561 |
| Pretax return on assets | 0.0333% | 5,585 |
| Return on Equity (ROE) | 0.6542% | 5,543 |
| Retained earnings to average equity (ytd only) | 0.6542% | 4,757 |
| Net charge-offs to loans | 0.1001% | 1,373 |
| Credit loss provision to net charge-offs | 15.3846% | 2,196 |
| Earnings coverage of net charge-offs (x) | 0.7436% | 2,799 |
| Efficiency ratio | 98.9160% | 243 |
| Assets per employee ($millions) | 5.0367% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8287% | 911 |
| Loan loss allowance to noncurrent loans | 100.4318% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 1.6446% | 936 |
| Noncurrent loans to loans | 1.8208% | 1,024 |
| Net loans and leases to total assets | 56.6350% | 4,107 |
| Net loans and leases to deposits | 62.9404% | 4,371 |
| Net loans and leases to core deposits | 64.0982% | 4,528 |
| Total domestic deposits to total assets | 89.9818% | 664 |
| Equity capital to assets | 9.3883% | 4,401 |
| Core capital (leverage) ratio | 9.3414% | 4,290 |
| Tier 1 risk-based capital ratio | 14.1132% | 3,404 |
| Total risk-based capital ratio | 15.3694% | 3,325 |
| Memoranda: | ||
| Average total assets | $1,379,755,500 | 559 |
| Average earning assets | $1,288,601,500 | 555 |
| Average equity | $125,952,000 | 656 |
| Average total loans | $779,223,000 | 677 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6013% | 4,504 |
| Cost of funding earning assets | 0.1821% | 5,187 |
| Net interest margin | 3.4192% | 3,754 |
| Noninterest income to average assets | 0.7897% | 1,785 |
| Noninterest expense to average assets | 3.4045% | 1,347 |
| Loan and lease loss provision to assets | 0.1276% | 1,947 |
| Net operating income to assets | 1.2078% | 1,482 |
| Return on assets (ROA) | 1.2208% | 1,526 |
| Pretax return on assets | 0.4960% | 5,032 |
| Return on Equity (ROE) | 12.9926% | 996 |
| Retained earnings to average equity (ytd only) | 12.9926% | 167 |
| Net charge-offs to loans | 0.6047% | 379 |
| Credit loss provision to net charge-offs | 36.7497% | 3,524 |
| Earnings coverage of net charge-offs (x) | 1.7589% | 3,946 |
| Efficiency ratio | 84.7934% | 929 |
| Assets per employee ($millions) | 5.2544% | 2,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8263% | 905 |
| Loan loss allowance to noncurrent loans | 78.2131% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 1.8829% | 764 |
| Noncurrent loans to loans | 2.3350% | 703 |
| Net loans and leases to total assets | 54.1663% | 4,435 |
| Net loans and leases to deposits | 59.9692% | 4,669 |
| Net loans and leases to core deposits | 61.1032% | 4,800 |
| Total domestic deposits to total assets | 90.3234% | 504 |
| Equity capital to assets | 9.0228% | 4,791 |
| Core capital (leverage) ratio | 9.5549% | 4,018 |
| Tier 1 risk-based capital ratio | 14.7675% | 3,065 |
| Total risk-based capital ratio | 16.0225% | 3,011 |
| Memoranda: | ||
| Average total assets | $1,411,014,800 | 530 |
| Average earning assets | $1,331,028,200 | 515 |
| Average equity | $132,583,400 | 603 |
| Average total loans | $809,939,600 | 623 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6080% | 4,528 |
| Cost of funding earning assets | 0.1880% | 5,198 |
| Net interest margin | 3.4200% | 3,770 |
| Noninterest income to average assets | 0.6487% | 2,425 |
| Noninterest expense to average assets | 3.4447% | 1,257 |
| Loan and lease loss provision to assets | -0.0818% | 5,769 |
| Net operating income to assets | 0.6346% | 4,155 |
| Return on assets (ROA) | 0.6521% | 4,196 |
| Pretax return on assets | 0.5392% | 5,040 |
| Return on Equity (ROE) | 6.8502% | 3,639 |
| Retained earnings to average equity (ytd only) | 6.8502% | 1,700 |
| Net charge-offs to loans | -0.0668% | 5,452 |
| Credit loss provision to net charge-offs | 211.4914% | 1,386 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6743% | 636 |
| Assets per employee ($millions) | 4.8284% | 2,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1259% | 575 |
| Loan loss allowance to noncurrent loans | 70.2243% | 4,273 |
| Noncurrent assets plus other real estate owned to assets | 2.2185% | 656 |
| Noncurrent loans to loans | 3.0273% | 487 |
| Net loans and leases to total assets | 55.4938% | 4,359 |
| Net loans and leases to deposits | 62.2010% | 4,616 |
| Net loans and leases to core deposits | 63.6332% | 4,743 |
| Total domestic deposits to total assets | 89.2169% | 789 |
| Equity capital to assets | 9.8769% | 4,269 |
| Core capital (leverage) ratio | 9.8118% | 3,798 |
| Tier 1 risk-based capital ratio | 15.3856% | 2,876 |
| Total risk-based capital ratio | 16.6444% | 2,804 |
| Memoranda: | ||
| Average total assets | $1,409,459,500 | 531 |
| Average earning assets | $1,333,599,000 | 519 |
| Average equity | $134,162,750 | 595 |
| Average total loans | $816,739,750 | 621 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6390% | 4,478 |
| Cost of funding earning assets | 0.1926% | 5,212 |
| Net interest margin | 3.4464% | 3,701 |
| Noninterest income to average assets | 0.6819% | 2,226 |
| Noninterest expense to average assets | 3.5193% | 1,134 |
| Loan and lease loss provision to assets | -0.1225% | 5,894 |
| Net operating income to assets | 0.9374% | 2,694 |
| Return on assets (ROA) | 0.9451% | 2,790 |
| Pretax return on assets | 0.5570% | 5,005 |
| Return on Equity (ROE) | 9.9827% | 2,059 |
| Retained earnings to average equity (ytd only) | 9.9827% | 603 |
| Net charge-offs to loans | -0.0486% | 5,351 |
| Credit loss provision to net charge-offs | 432.5000% | 734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1848% | 643 |
| Assets per employee ($millions) | 4.6678% | 2,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9419% | 836 |
| Loan loss allowance to noncurrent loans | 76.0844% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 2.0690% | 772 |
| Noncurrent loans to loans | 2.5524% | 676 |
| Net loans and leases to total assets | 55.9836% | 4,313 |
| Net loans and leases to deposits | 62.6057% | 4,605 |
| Net loans and leases to core deposits | 64.2880% | 4,727 |
| Total domestic deposits to total assets | 89.4225% | 720 |
| Equity capital to assets | 9.8386% | 4,403 |
| Core capital (leverage) ratio | 9.7303% | 3,894 |
| Tier 1 risk-based capital ratio | 15.2472% | 2,964 |
| Total risk-based capital ratio | 16.5041% | 2,894 |
| Memoranda: | ||
| Average total assets | $1,411,975,000 | 534 |
| Average earning assets | $1,337,356,670 | 518 |
| Average equity | $133,671,000 | 596 |
| Average total loans | $823,435,330 | 606 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6330% | 4,526 |
| Cost of funding earning assets | 0.1966% | 5,236 |
| Net interest margin | 3.4364% | 3,734 |
| Noninterest income to average assets | 0.5327% | 2,919 |
| Noninterest expense to average assets | 3.3343% | 1,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8526% | 2,983 |
| Return on assets (ROA) | 0.8526% | 3,107 |
| Pretax return on assets | 0.4622% | 5,176 |
| Return on Equity (ROE) | 9.1262% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.1262% | 1,073 |
| Net charge-offs to loans | 0.2988% | 717 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 2.6222% | 2,656 |
| Efficiency ratio | 87.8265% | 826 |
| Assets per employee ($millions) | 4.7204% | 2,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1363% | 645 |
| Loan loss allowance to noncurrent loans | 73.3425% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 2.2569% | 714 |
| Noncurrent loans to loans | 2.9128% | 574 |
| Net loans and leases to total assets | 56.3696% | 4,212 |
| Net loans and leases to deposits | 62.6685% | 4,533 |
| Net loans and leases to core deposits | 64.2427% | 4,673 |
| Total domestic deposits to total assets | 89.9489% | 622 |
| Equity capital to assets | 9.3986% | 4,767 |
| Core capital (leverage) ratio | 9.6023% | 4,034 |
| Tier 1 risk-based capital ratio | 15.2626% | 3,036 |
| Total risk-based capital ratio | 16.5227% | 2,973 |
| Memoranda: | ||
| Average total assets | $1,411,639,000 | 534 |
| Average earning assets | $1,340,715,500 | 517 |
| Average equity | $131,884,000 | 607 |
| Average total loans | $832,674,000 | 592 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5531% | 4,798 |
| Cost of funding earning assets | 0.2390% | 4,907 |
| Net interest margin | 3.3141% | 4,234 |
| Noninterest income to average assets | 0.7540% | 1,962 |
| Noninterest expense to average assets | 3.4407% | 1,407 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3846% | 5,096 |
| Return on assets (ROA) | 0.3849% | 5,179 |
| Pretax return on assets | 0.4367% | 5,252 |
| Return on Equity (ROE) | 4.2278% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.2278% | 2,977 |
| Net charge-offs to loans | 0.7670% | 298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 0.9371% | 4,158 |
| Efficiency ratio | 88.7448% | 776 |
| Assets per employee ($millions) | 4.5453% | 2,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9154% | 931 |
| Loan loss allowance to noncurrent loans | 70.8639% | 4,362 |
| Noncurrent assets plus other real estate owned to assets | 2.2416% | 743 |
| Noncurrent loans to loans | 2.7029% | 650 |
| Net loans and leases to total assets | 59.1502% | 3,948 |
| Net loans and leases to deposits | 65.7877% | 4,332 |
| Net loans and leases to core deposits | 67.5316% | 4,478 |
| Total domestic deposits to total assets | 89.9108% | 668 |
| Equity capital to assets | 9.4543% | 4,604 |
| Core capital (leverage) ratio | 9.4057% | 4,312 |
| Tier 1 risk-based capital ratio | 14.9590% | 3,194 |
| Total risk-based capital ratio | 16.2165% | 3,126 |
| Memoranda: | ||
| Average total assets | $1,431,566,000 | 499 |
| Average earning assets | $1,349,047,200 | 480 |
| Average equity | $130,327,800 | 580 |
| Average total loans | $869,118,800 | 545 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5778% | 4,799 |
| Cost of funding earning assets | 0.2465% | 4,918 |
| Net interest margin | 3.3313% | 4,214 |
| Noninterest income to average assets | 0.7383% | 2,072 |
| Noninterest expense to average assets | 3.4679% | 1,348 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4035% | 5,151 |
| Return on assets (ROA) | 0.4036% | 5,239 |
| Pretax return on assets | 0.4036% | 5,458 |
| Return on Equity (ROE) | 4.4729% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.4729% | 3,280 |
| Net charge-offs to loans | 0.7913% | 257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 0.8386% | 3,907 |
| Efficiency ratio | 89.5774% | 728 |
| Assets per employee ($millions) | 4.6563% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1147% | 752 |
| Loan loss allowance to noncurrent loans | 61.4696% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 2.7284% | 594 |
| Noncurrent loans to loans | 3.4403% | 462 |
| Net loans and leases to total assets | 56.9380% | 4,255 |
| Net loans and leases to deposits | 63.2235% | 4,626 |
| Net loans and leases to core deposits | 64.8916% | 4,765 |
| Total domestic deposits to total assets | 90.0584% | 548 |
| Equity capital to assets | 9.2418% | 5,064 |
| Core capital (leverage) ratio | 9.2305% | 4,691 |
| Tier 1 risk-based capital ratio | 15.1398% | 3,220 |
| Total risk-based capital ratio | 16.3998% | 3,153 |
| Memoranda: | ||
| Average total assets | $1,440,674,000 | 496 |
| Average earning assets | $1,354,946,250 | 478 |
| Average equity | $129,993,250 | 587 |
| Average total loans | $876,032,250 | 541 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6175% | 4,673 |
| Cost of funding earning assets | 0.2590% | 4,846 |
| Net interest margin | 3.3585% | 4,062 |
| Noninterest income to average assets | 0.8849% | 1,486 |
| Noninterest expense to average assets | 3.4926% | 1,311 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5435% | 4,582 |
| Return on assets (ROA) | 0.5436% | 4,692 |
| Pretax return on assets | 0.5436% | 5,108 |
| Return on Equity (ROE) | 6.0733% | 4,092 |
| Retained earnings to average equity (ytd only) | 6.0733% | 2,191 |
| Net charge-offs to loans | -0.0299% | 5,330 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5347% | 1,021 |
| Assets per employee ($millions) | 4.6391% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6409% | 402 |
| Loan loss allowance to noncurrent loans | 65.1912% | 4,614 |
| Noncurrent assets plus other real estate owned to assets | 3.1317% | 511 |
| Noncurrent loans to loans | 4.0511% | 373 |
| Net loans and leases to total assets | 57.8120% | 4,126 |
| Net loans and leases to deposits | 64.0005% | 4,535 |
| Net loans and leases to core deposits | 66.0871% | 4,645 |
| Total domestic deposits to total assets | 90.3306% | 523 |
| Equity capital to assets | 8.9441% | 5,287 |
| Core capital (leverage) ratio | 9.2060% | 4,683 |
| Tier 1 risk-based capital ratio | 13.1382% | 4,432 |
| Total risk-based capital ratio | 14.4017% | 4,343 |
| Memoranda: | ||
| Average total assets | $1,444,406,330 | 498 |
| Average earning assets | $1,355,263,330 | 479 |
| Average equity | $129,287,670 | 590 |
| Average total loans | $890,876,330 | 529 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6804% | 4,435 |
| Cost of funding earning assets | 0.2868% | 4,590 |
| Net interest margin | 3.3936% | 3,870 |
| Noninterest income to average assets | 0.7162% | 2,091 |
| Noninterest expense to average assets | 3.5040% | 1,300 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3875% | 5,121 |
| Return on assets (ROA) | 0.3877% | 5,237 |
| Pretax return on assets | 0.3877% | 5,454 |
| Return on Equity (ROE) | 4.2589% | 4,866 |
| Retained earnings to average equity (ytd only) | 4.2589% | 3,461 |
| Net charge-offs to loans | 0.2238% | 1,046 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 2.7564% | 2,704 |
| Efficiency ratio | 90.0436% | 844 |
| Assets per employee ($millions) | 4.2364% | 3,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4987% | 530 |
| Loan loss allowance to noncurrent loans | 65.3774% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 3.2745% | 533 |
| Noncurrent loans to loans | 3.8220% | 469 |
| Net loans and leases to total assets | 60.7087% | 3,560 |
| Net loans and leases to deposits | 67.3299% | 4,020 |
| Net loans and leases to core deposits | 69.4518% | 4,207 |
| Total domestic deposits to total assets | 90.1661% | 669 |
| Equity capital to assets | 9.2156% | 5,065 |
| Core capital (leverage) ratio | 9.1557% | 4,782 |
| Tier 1 risk-based capital ratio | 13.2647% | 4,457 |
| Total risk-based capital ratio | 14.5275% | 4,361 |
| Memoranda: | ||
| Average total assets | $1,437,083,000 | 496 |
| Average earning assets | $1,344,643,000 | 484 |
| Average equity | $130,830,500 | 583 |
| Average total loans | $902,452,500 | 525 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7382% | 4,685 |
| Cost of funding earning assets | 0.3365% | 4,411 |
| Net interest margin | 3.4017% | 4,193 |
| Noninterest income to average assets | 0.6390% | 2,624 |
| Noninterest expense to average assets | 3.7341% | 1,089 |
| Loan and lease loss provision to assets | 0.0815% | 2,851 |
| Net operating income to assets | -0.0076% | 6,094 |
| Return on assets (ROA) | -0.0075% | 6,114 |
| Pretax return on assets | -0.0075% | 6,100 |
| Return on Equity (ROE) | -0.0839% | 6,116 |
| Retained earnings to average equity (ytd only) | -0.0839% | 5,779 |
| Net charge-offs to loans | 0.8549% | 395 |
| Credit loss provision to net charge-offs | 14.5848% | 4,047 |
| Earnings coverage of net charge-offs (x) | 0.1323% | 4,692 |
| Efficiency ratio | 98.0584% | 420 |
| Assets per employee ($millions) | 4.1197% | 3,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9583% | 312 |
| Loan loss allowance to noncurrent loans | 65.8076% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 3.8932% | 440 |
| Noncurrent loans to loans | 4.4954% | 372 |
| Net loans and leases to total assets | 61.5747% | 3,559 |
| Net loans and leases to deposits | 69.1568% | 4,013 |
| Net loans and leases to core deposits | 71.6078% | 4,166 |
| Total domestic deposits to total assets | 89.0364% | 1,217 |
| Equity capital to assets | 8.9753% | 5,320 |
| Core capital (leverage) ratio | 8.8496% | 5,188 |
| Tier 1 risk-based capital ratio | 14.2109% | 3,959 |
| Total risk-based capital ratio | 15.4830% | 3,875 |
| Memoranda: | ||
| Average total assets | $1,495,819,400 | 465 |
| Average earning assets | $1,393,519,600 | 454 |
| Average equity | $133,457,600 | 543 |
| Average total loans | $977,614,200 | 466 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7601% | 4,680 |
| Cost of funding earning assets | 0.3460% | 4,382 |
| Net interest margin | 3.4141% | 4,177 |
| Noninterest income to average assets | 0.5515% | 3,194 |
| Noninterest expense to average assets | 3.6689% | 1,174 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0415% | 6,102 |
| Return on assets (ROA) | 0.0416% | 6,123 |
| Pretax return on assets | 0.0618% | 6,105 |
| Return on Equity (ROE) | 0.4670% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.4670% | 5,678 |
| Net charge-offs to loans | 0.8160% | 407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.1150% | 4,430 |
| Efficiency ratio | 98.3448% | 422 |
| Assets per employee ($millions) | 4.1230% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0218% | 355 |
| Loan loss allowance to noncurrent loans | 58.6973% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 4.2018% | 445 |
| Noncurrent loans to loans | 5.1481% | 342 |
| Net loans and leases to total assets | 61.6695% | 3,538 |
| Net loans and leases to deposits | 69.2064% | 4,007 |
| Net loans and leases to core deposits | 71.8386% | 4,165 |
| Total domestic deposits to total assets | 89.1095% | 1,175 |
| Equity capital to assets | 8.8780% | 5,485 |
| Core capital (leverage) ratio | 8.8330% | 5,292 |
| Tier 1 risk-based capital ratio | 14.1435% | 4,109 |
| Total risk-based capital ratio | 15.4167% | 4,031 |
| Memoranda: | ||
| Average total assets | $1,509,297,000 | 455 |
| Average earning assets | $1,405,438,250 | 444 |
| Average equity | $134,468,000 | 540 |
| Average total loans | $993,288,500 | 452 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7918% | 4,558 |
| Cost of funding earning assets | 0.3562% | 4,364 |
| Net interest margin | 3.4356% | 4,035 |
| Noninterest income to average assets | 0.4749% | 3,672 |
| Noninterest expense to average assets | 3.6699% | 1,187 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0003% | 6,187 |
| Return on assets (ROA) | 0.0003% | 6,208 |
| Pretax return on assets | 0.0004% | 6,194 |
| Return on Equity (ROE) | 0.0029% | 6,208 |
| Retained earnings to average equity (ytd only) | 0.0029% | 5,677 |
| Net charge-offs to loans | 0.8827% | 415 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.0007% | 4,127 |
| Efficiency ratio | 99.9893% | 404 |
| Assets per employee ($millions) | 4.0594% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0910% | 345 |
| Loan loss allowance to noncurrent loans | 58.2328% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 4.4711% | 439 |
| Noncurrent loans to loans | 5.3080% | 356 |
| Net loans and leases to total assets | 62.3924% | 3,343 |
| Net loans and leases to deposits | 69.7866% | 3,851 |
| Net loans and leases to core deposits | 72.2401% | 4,029 |
| Total domestic deposits to total assets | 89.4046% | 1,151 |
| Equity capital to assets | 8.6458% | 5,670 |
| Core capital (leverage) ratio | 8.5471% | 5,589 |
| Tier 1 risk-based capital ratio | 13.7038% | 4,448 |
| Total risk-based capital ratio | 14.9780% | 4,377 |
| Memoranda: | ||
| Average total assets | $1,524,506,000 | 451 |
| Average earning assets | $1,417,909,000 | 443 |
| Average equity | $135,976,000 | 532 |
| Average total loans | $1,014,130,000 | 447 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7874% | 4,539 |
| Cost of funding earning assets | 0.3642% | 4,394 |
| Net interest margin | 3.4232% | 4,016 |
| Noninterest income to average assets | 0.5330% | 3,168 |
| Noninterest expense to average assets | 3.6176% | 1,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0655% | 6,097 |
| Return on assets (ROA) | 0.0655% | 6,121 |
| Pretax return on assets | 0.0972% | 6,083 |
| Return on Equity (ROE) | 0.7232% | 6,099 |
| Retained earnings to average equity (ytd only) | 0.7232% | 5,302 |
| Net charge-offs to loans | 0.8332% | 417 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1726% | 3,403 |
| Efficiency ratio | 97.3846% | 572 |
| Assets per employee ($millions) | 4.2188% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1457% | 375 |
| Loan loss allowance to noncurrent loans | 55.1400% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 4.8727% | 432 |
| Noncurrent loans to loans | 5.7049% | 342 |
| Net loans and leases to total assets | 64.5910% | 2,796 |
| Net loans and leases to deposits | 72.5912% | 3,261 |
| Net loans and leases to core deposits | 76.8409% | 3,325 |
| Total domestic deposits to total assets | 88.9791% | 1,677 |
| Equity capital to assets | 9.1378% | 4,959 |
| Core capital (leverage) ratio | 9.1500% | 4,791 |
| Tier 1 risk-based capital ratio | 14.0040% | 4,336 |
| Total risk-based capital ratio | 15.2786% | 4,252 |
| Memoranda: | ||
| Average total assets | $1,539,821,000 | 454 |
| Average earning assets | $1,431,172,000 | 441 |
| Average equity | $139,385,000 | 525 |
| Average total loans | $1,040,298,000 | 440 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2729% | 3,055 |
| Cost of funding earning assets | 0.4404% | 4,214 |
| Net interest margin | 3.8325% | 2,529 |
| Noninterest income to average assets | 0.8217% | 1,978 |
| Noninterest expense to average assets | 3.3560% | 1,984 |
| Loan and lease loss provision to assets | 0.9873% | 182 |
| Net operating income to assets | 0.0280% | 6,167 |
| Return on assets (ROA) | 0.0245% | 6,215 |
| Pretax return on assets | 0.0365% | 6,174 |
| Return on Equity (ROE) | 0.2692% | 6,205 |
| Retained earnings to average equity (ytd only) | 0.2692% | 5,730 |
| Net charge-offs to loans | 1.5595% | 297 |
| Credit loss provision to net charge-offs | 85.3564% | 2,888 |
| Earnings coverage of net charge-offs (x) | 0.8896% | 4,789 |
| Efficiency ratio | 76.5348% | 2,697 |
| Assets per employee ($millions) | 4.3364% | 3,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2205% | 359 |
| Loan loss allowance to noncurrent loans | 62.2974% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 4.5423% | 547 |
| Noncurrent loans to loans | 5.1695% | 467 |
| Net loans and leases to total assets | 66.2131% | 2,664 |
| Net loans and leases to deposits | 74.2426% | 3,224 |
| Net loans and leases to core deposits | 78.0550% | 3,358 |
| Total domestic deposits to total assets | 89.1847% | 1,499 |
| Equity capital to assets | 8.9677% | 5,075 |
| Core capital (leverage) ratio | 9.0769% | 4,894 |
| Tier 1 risk-based capital ratio | 13.4898% | 4,663 |
| Total risk-based capital ratio | 14.7659% | 4,587 |
| Memoranda: | ||
| Average total assets | $1,535,644,800 | 446 |
| Average earning assets | $1,427,776,800 | 431 |
| Average equity | $140,061,600 | 519 |
| Average total loans | $1,138,920,400 | 390 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 2,696 |
| Cost of funding earning assets | 0.4544% | 4,228 |
| Net interest margin | 3.9140% | 2,221 |
| Noninterest income to average assets | 0.9227% | 1,681 |
| Noninterest expense to average assets | 3.2846% | 2,106 |
| Loan and lease loss provision to assets | 1.2538% | 111 |
| Net operating income to assets | 0.0149% | 6,277 |
| Return on assets (ROA) | 0.0102% | 6,333 |
| Pretax return on assets | 0.0151% | 6,308 |
| Return on Equity (ROE) | 0.1112% | 6,334 |
| Retained earnings to average equity (ytd only) | 0.1112% | 5,906 |
| Net charge-offs to loans | 1.7843% | 235 |
| Credit loss provision to net charge-offs | 92.9157% | 2,559 |
| Earnings coverage of net charge-offs (x) | 0.9455% | 4,534 |
| Efficiency ratio | 72.0228% | 3,400 |
| Assets per employee ($millions) | 4.2841% | 3,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2159% | 444 |
| Loan loss allowance to noncurrent loans | 54.9853% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 5.0753% | 540 |
| Noncurrent loans to loans | 5.8487% | 445 |
| Net loans and leases to total assets | 71.4665% | 1,689 |
| Net loans and leases to deposits | 80.4602% | 2,345 |
| Net loans and leases to core deposits | 84.8273% | 2,563 |
| Total domestic deposits to total assets | 88.8222% | 1,655 |
| Equity capital to assets | 9.2472% | 4,866 |
| Core capital (leverage) ratio | 9.1354% | 4,911 |
| Tier 1 risk-based capital ratio | 12.8304% | 5,239 |
| Total risk-based capital ratio | 14.1065% | 5,163 |
| Memoranda: | ||
| Average total assets | $1,531,448,000 | 449 |
| Average earning assets | $1,423,356,250 | 437 |
| Average equity | $140,272,750 | 525 |
| Average total loans | $1,158,121,000 | 384 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 2,469 |
| Cost of funding earning assets | 0.4670% | 4,239 |
| Net interest margin | 3.9585% | 2,012 |
| Noninterest income to average assets | 1.0768% | 1,320 |
| Noninterest expense to average assets | 3.2366% | 2,256 |
| Loan and lease loss provision to assets | 0.9687% | 196 |
| Net operating income to assets | 0.5284% | 4,670 |
| Return on assets (ROA) | 0.5305% | 4,828 |
| Pretax return on assets | 0.5508% | 5,197 |
| Return on Equity (ROE) | 5.8103% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.8103% | 2,551 |
| Net charge-offs to loans | 1.3095% | 437 |
| Credit loss provision to net charge-offs | 97.0730% | 2,303 |
| Earnings coverage of net charge-offs (x) | 1.5205% | 4,027 |
| Efficiency ratio | 68.0839% | 4,165 |
| Assets per employee ($millions) | 4.3823% | 3,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2135% | 478 |
| Loan loss allowance to noncurrent loans | 63.1040% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 4.5625% | 714 |
| Noncurrent loans to loans | 5.0923% | 622 |
| Net loans and leases to total assets | 71.6312% | 1,632 |
| Net loans and leases to deposits | 80.6246% | 2,229 |
| Net loans and leases to core deposits | 84.7490% | 2,461 |
| Total domestic deposits to total assets | 88.8454% | 1,712 |
| Equity capital to assets | 9.2942% | 4,865 |
| Core capital (leverage) ratio | 9.2537% | 4,621 |
| Tier 1 risk-based capital ratio | 12.8461% | 5,262 |
| Total risk-based capital ratio | 14.1218% | 5,176 |
| Memoranda: | ||
| Average total assets | $1,540,696,330 | 448 |
| Average earning assets | $1,431,134,330 | 434 |
| Average equity | $140,680,000 | 526 |
| Average total loans | $1,174,044,000 | 378 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4908% | 2,205 |
| Cost of funding earning assets | 0.4840% | 4,248 |
| Net interest margin | 4.0069% | 1,751 |
| Noninterest income to average assets | 1.1264% | 1,178 |
| Noninterest expense to average assets | 3.2782% | 2,134 |
| Loan and lease loss provision to assets | 1.4971% | 95 |
| Net operating income to assets | 0.0485% | 6,253 |
| Return on assets (ROA) | 0.0485% | 6,336 |
| Pretax return on assets | 0.0711% | 6,302 |
| Return on Equity (ROE) | 0.5360% | 6,323 |
| Retained earnings to average equity (ytd only) | 0.5360% | 5,612 |
| Net charge-offs to loans | 1.9529% | 241 |
| Credit loss provision to net charge-offs | 99.1751% | 1,883 |
| Earnings coverage of net charge-offs (x) | 1.0388% | 3,495 |
| Efficiency ratio | 67.6427% | 4,381 |
| Assets per employee ($millions) | 4.3326% | 3,275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1515% | 569 |
| Loan loss allowance to noncurrent loans | 65.7461% | 4,500 |
| Noncurrent assets plus other real estate owned to assets | 4.4247% | 845 |
| Noncurrent loans to loans | 4.7934% | 821 |
| Net loans and leases to total assets | 74.2798% | 1,039 |
| Net loans and leases to deposits | 83.4704% | 1,649 |
| Net loans and leases to core deposits | 89.0135% | 1,802 |
| Total domestic deposits to total assets | 88.9895% | 1,691 |
| Equity capital to assets | 9.1732% | 5,282 |
| Core capital (leverage) ratio | 9.0752% | 4,757 |
| Tier 1 risk-based capital ratio | 12.2868% | 5,728 |
| Total risk-based capital ratio | 13.5620% | 5,663 |
| Memoranda: | ||
| Average total assets | $1,541,957,000 | 450 |
| Average earning assets | $1,431,538,500 | 436 |
| Average equity | $139,539,500 | 532 |
| Average total loans | $1,191,868,500 | 372 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 2,764 |
| Cost of funding earning assets | 0.5544% | 4,777 |
| Net interest margin | 4.1038% | 1,986 |
| Noninterest income to average assets | 0.9404% | 1,738 |
| Noninterest expense to average assets | 2.9855% | 3,331 |
| Loan and lease loss provision to assets | 1.1230% | 327 |
| Net operating income to assets | 0.4615% | 4,833 |
| Return on assets (ROA) | 0.4545% | 5,110 |
| Pretax return on assets | 0.6344% | 4,870 |
| Return on Equity (ROE) | 5.0702% | 4,649 |
| Retained earnings to average equity (ytd only) | 3.6318% | 3,654 |
| Net charge-offs to loans | 1.3163% | 733 |
| Credit loss provision to net charge-offs | 107.1987% | 2,763 |
| Earnings coverage of net charge-offs (x) | 1.6869% | 4,593 |
| Efficiency ratio | 62.8183% | 5,112 |
| Assets per employee ($millions) | 4.5048% | 2,953 |
| Cash dividends to net income (ytd only)* | 28.3696% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0234% | 646 |
| Loan loss allowance to noncurrent loans | 54.3928% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 5.0714% | 756 |
| Noncurrent loans to loans | 5.5585% | 663 |
| Net loans and leases to total assets | 75.5239% | 985 |
| Net loans and leases to deposits | 84.5974% | 1,683 |
| Net loans and leases to core deposits | 89.5612% | 1,885 |
| Total domestic deposits to total assets | 89.2746% | 1,391 |
| Equity capital to assets | 8.9292% | 5,605 |
| Core capital (leverage) ratio | 8.8267% | 5,137 |
| Tier 1 risk-based capital ratio | 11.8777% | 5,856 |
| Total risk-based capital ratio | 13.1492% | 5,804 |
| Memoranda: | ||
| Average total assets | $1,526,329,800 | 445 |
| Average earning assets | $1,417,922,200 | 428 |
| Average equity | $136,817,800 | 529 |
| Average total loans | $1,214,720,600 | 361 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9167% | 1,946 |
| Cost of funding earning assets | 0.5662% | 4,949 |
| Net interest margin | 4.3504% | 1,347 |
| Noninterest income to average assets | 0.9337% | 1,723 |
| Noninterest expense to average assets | 2.9462% | 3,425 |
| Loan and lease loss provision to assets | 1.0978% | 353 |
| Net operating income to assets | 0.6273% | 4,255 |
| Return on assets (ROA) | 0.6218% | 4,545 |
| Pretax return on assets | 0.9208% | 4,028 |
| Return on Equity (ROE) | 6.9296% | 3,854 |
| Retained earnings to average equity (ytd only) | 5.0020% | 3,362 |
| Net charge-offs to loans | 1.2435% | 772 |
| Credit loss provision to net charge-offs | 110.3153% | 2,660 |
| Earnings coverage of net charge-offs (x) | 2.0366% | 4,253 |
| Efficiency ratio | 59.2464% | 5,621 |
| Assets per employee ($millions) | 4.6294% | 2,706 |
| Cash dividends to net income (ytd only)* | 27.8162% | 2,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0003% | 710 |
| Loan loss allowance to noncurrent loans | 58.1841% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 4.9683% | 902 |
| Noncurrent loans to loans | 5.1566% | 863 |
| Net loans and leases to total assets | 77.2241% | 826 |
| Net loans and leases to deposits | 86.6584% | 1,523 |
| Net loans and leases to core deposits | 89.7059% | 2,018 |
| Total domestic deposits to total assets | 89.1132% | 1,368 |
| Equity capital to assets | 9.0691% | 5,753 |
| Core capital (leverage) ratio | 9.0575% | 4,976 |
| Tier 1 risk-based capital ratio | 11.7910% | 6,063 |
| Total risk-based capital ratio | 13.0648% | 6,028 |
| Memoranda: | ||
| Average total assets | $1,517,121,500 | 444 |
| Average earning assets | $1,408,560,500 | 430 |
| Average equity | $136,127,750 | 532 |
| Average total loans | $1,214,058,750 | 365 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7888% | 2,553 |
| Cost of funding earning assets | 0.5782% | 5,084 |
| Net interest margin | 4.2106% | 1,721 |
| Noninterest income to average assets | 0.8396% | 2,009 |
| Noninterest expense to average assets | 2.9412% | 3,467 |
| Loan and lease loss provision to assets | 1.2450% | 329 |
| Net operating income to assets | 0.3632% | 5,366 |
| Return on assets (ROA) | 0.3632% | 5,591 |
| Pretax return on assets | 0.5571% | 5,287 |
| Return on Equity (ROE) | 4.0622% | 5,237 |
| Retained earnings to average equity (ytd only) | 1.1445% | 5,613 |
| Net charge-offs to loans | 1.4854% | 672 |
| Credit loss provision to net charge-offs | 104.5525% | 2,603 |
| Earnings coverage of net charge-offs (x) | 1.5134% | 4,236 |
| Efficiency ratio | 62.0086% | 5,244 |
| Assets per employee ($millions) | 4.4895% | 2,919 |
| Cash dividends to net income (ytd only)* | 71.8248% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0075% | 779 |
| Loan loss allowance to noncurrent loans | 68.3924% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 4.6296% | 1,049 |
| Noncurrent loans to loans | 4.3974% | 1,215 |
| Net loans and leases to total assets | 76.6458% | 888 |
| Net loans and leases to deposits | 85.8419% | 1,622 |
| Net loans and leases to core deposits | 90.6077% | 1,918 |
| Total domestic deposits to total assets | 89.2872% | 1,339 |
| Equity capital to assets | 8.8964% | 5,810 |
| Core capital (leverage) ratio | 8.8596% | 5,111 |
| Tier 1 risk-based capital ratio | 11.5465% | 6,188 |
| Total risk-based capital ratio | 12.8199% | 6,161 |
| Memoranda: | ||
| Average total assets | $1,508,963,000 | 445 |
| Average earning assets | $1,398,933,000 | 437 |
| Average equity | $134,900,670 | 536 |
| Average total loans | $1,209,642,670 | 366 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 2,875 |
| Cost of funding earning assets | 0.5907% | 5,210 |
| Net interest margin | 4.1511% | 1,934 |
| Noninterest income to average assets | 0.9767% | 1,493 |
| Noninterest expense to average assets | 2.9797% | 3,334 |
| Loan and lease loss provision to assets | 1.2077% | 315 |
| Net operating income to assets | 0.3708% | 5,381 |
| Return on assets (ROA) | 0.3708% | 5,564 |
| Pretax return on assets | 0.6375% | 4,983 |
| Return on Equity (ROE) | 4.1379% | 5,233 |
| Retained earnings to average equity (ytd only) | 4.1379% | 4,112 |
| Net charge-offs to loans | 1.3739% | 736 |
| Credit loss provision to net charge-offs | 108.8665% | 2,148 |
| Earnings coverage of net charge-offs (x) | 1.6633% | 3,494 |
| Efficiency ratio | 61.7576% | 5,315 |
| Assets per employee ($millions) | 4.5919% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9559% | 869 |
| Loan loss allowance to noncurrent loans | 59.9168% | 4,528 |
| Noncurrent assets plus other real estate owned to assets | 4.9957% | 1,045 |
| Noncurrent loans to loans | 4.9333% | 1,144 |
| Net loans and leases to total assets | 78.0521% | 585 |
| Net loans and leases to deposits | 87.4936% | 1,229 |
| Net loans and leases to core deposits | 92.3817% | 1,610 |
| Total domestic deposits to total assets | 89.2089% | 1,555 |
| Equity capital to assets | 8.9419% | 5,581 |
| Core capital (leverage) ratio | 9.0071% | 4,830 |
| Tier 1 risk-based capital ratio | 11.5312% | 6,262 |
| Total risk-based capital ratio | 12.8045% | 6,225 |
| Memoranda: | ||
| Average total assets | $1,504,714,500 | 442 |
| Average earning assets | $1,394,902,500 | 437 |
| Average equity | $134,851,000 | 534 |
| Average total loans | $1,214,897,000 | 362 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8058% | 3,784 |
| Cost of funding earning assets | 0.6872% | 5,621 |
| Net interest margin | 4.1186% | 2,355 |
| Noninterest income to average assets | 0.4021% | 4,594 |
| Noninterest expense to average assets | 2.9599% | 3,742 |
| Loan and lease loss provision to assets | 1.7955% | 371 |
| Net operating income to assets | -0.3298% | 6,365 |
| Return on assets (ROA) | -0.2849% | 6,387 |
| Pretax return on assets | -0.4656% | 6,466 |
| Return on Equity (ROE) | -3.0192% | 6,409 |
| Retained earnings to average equity (ytd only) | -7.9398% | 6,622 |
| Net charge-offs to loans | 1.9349% | 733 |
| Credit loss provision to net charge-offs | 117.4419% | 2,739 |
| Earnings coverage of net charge-offs (x) | 0.8240% | 5,183 |
| Efficiency ratio | 69.1326% | 4,124 |
| Assets per employee ($millions) | 4.6838% | 2,628 |
| Cash dividends to net income (ytd only)* | -162.9802% | 7,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9442% | 853 |
| Loan loss allowance to noncurrent loans | 50.5272% | 4,989 |
| Noncurrent assets plus other real estate owned to assets | 5.6295% | 900 |
| Noncurrent loans to loans | 5.8269% | 875 |
| Net loans and leases to total assets | 78.6673% | 640 |
| Net loans and leases to deposits | 88.2716% | 1,344 |
| Net loans and leases to core deposits | 93.6704% | 1,731 |
| Total domestic deposits to total assets | 89.1196% | 1,468 |
| Equity capital to assets | 8.9822% | 5,570 |
| Core capital (leverage) ratio | 9.0082% | 4,770 |
| Tier 1 risk-based capital ratio | 11.3839% | 6,236 |
| Total risk-based capital ratio | 12.6567% | 6,210 |
| Memoranda: | ||
| Average total assets | $1,507,555,000 | 442 |
| Average earning assets | $1,397,371,000 | 426 |
| Average equity | $142,258,400 | 488 |
| Average total loans | $1,191,161,400 | 362 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7814% | 4,101 |
| Cost of funding earning assets | 0.7001% | 5,762 |
| Net interest margin | 4.0813% | 2,545 |
| Noninterest income to average assets | 0.3309% | 5,217 |
| Noninterest expense to average assets | 2.9291% | 3,804 |
| Loan and lease loss provision to assets | 1.0100% | 846 |
| Net operating income to assets | 0.0602% | 6,047 |
| Return on assets (ROA) | 0.1199% | 6,030 |
| Pretax return on assets | 0.2707% | 5,769 |
| Return on Equity (ROE) | 1.2559% | 6,015 |
| Retained earnings to average equity (ytd only) | -2.6255% | 6,373 |
| Net charge-offs to loans | 1.2327% | 1,255 |
| Credit loss provision to net charge-offs | 104.3585% | 3,191 |
| Earnings coverage of net charge-offs (x) | 1.2270% | 4,703 |
| Efficiency ratio | 70.2223% | 3,919 |
| Assets per employee ($millions) | 4.5548% | 2,836 |
| Cash dividends to net income (ytd only)* | 309.0516% | 32 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7013% | 1,128 |
| Loan loss allowance to noncurrent loans | 45.6073% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 5.8348% | 931 |
| Noncurrent loans to loans | 5.9230% | 950 |
| Net loans and leases to total assets | 79.1110% | 596 |
| Net loans and leases to deposits | 90.4327% | 1,161 |
| Net loans and leases to core deposits | 96.3475% | 1,572 |
| Total domestic deposits to total assets | 87.4806% | 2,362 |
| Equity capital to assets | 9.7581% | 4,689 |
| Core capital (leverage) ratio | 9.6230% | 3,963 |
| Tier 1 risk-based capital ratio | 12.3143% | 5,654 |
| Total risk-based capital ratio | 13.5840% | 5,623 |
| Memoranda: | ||
| Average total assets | $1,510,914,250 | 442 |
| Average earning assets | $1,401,447,500 | 428 |
| Average equity | $144,272,000 | 491 |
| Average total loans | $1,186,192,500 | 362 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 4,370 |
| Cost of funding earning assets | 0.7152% | 5,870 |
| Net interest margin | 4.0196% | 2,746 |
| Noninterest income to average assets | 0.4048% | 4,639 |
| Noninterest expense to average assets | 2.9508% | 3,829 |
| Loan and lease loss provision to assets | 1.4362% | 501 |
| Net operating income to assets | -0.1751% | 6,444 |
| Return on assets (ROA) | -0.1577% | 6,467 |
| Pretax return on assets | -0.2323% | 6,481 |
| Return on Equity (ROE) | -1.6629% | 6,481 |
| Retained earnings to average equity (ytd only) | -5.1158% | 6,578 |
| Net charge-offs to loans | 1.7268% | 828 |
| Credit loss provision to net charge-offs | 107.1624% | 2,874 |
| Earnings coverage of net charge-offs (x) | 0.8791% | 4,635 |
| Efficiency ratio | 70.6017% | 4,009 |
| Assets per employee ($millions) | 4.8447% | 2,348 |
| Cash dividends to net income (ytd only)* | -207.6412% | 7,491 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7419% | 1,135 |
| Loan loss allowance to noncurrent loans | 46.2446% | 5,243 |
| Noncurrent assets plus other real estate owned to assets | 5.4849% | 1,079 |
| Noncurrent loans to loans | 5.9291% | 1,018 |
| Net loans and leases to total assets | 74.9957% | 1,244 |
| Net loans and leases to deposits | 85.0970% | 1,931 |
| Net loans and leases to core deposits | 89.5944% | 2,426 |
| Total domestic deposits to total assets | 88.1296% | 2,057 |
| Equity capital to assets | 9.3284% | 5,105 |
| Core capital (leverage) ratio | 9.2666% | 4,298 |
| Tier 1 risk-based capital ratio | 12.1772% | 5,632 |
| Total risk-based capital ratio | 13.4473% | 5,601 |
| Memoranda: | ||
| Average total assets | $1,527,185,000 | 445 |
| Average earning assets | $1,414,976,670 | 430 |
| Average equity | $144,805,000 | 490 |
| Average total loans | $1,185,324,330 | 366 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 4,760 |
| Cost of funding earning assets | 0.7388% | 5,931 |
| Net interest margin | 3.9061% | 3,107 |
| Noninterest income to average assets | 0.6171% | 3,055 |
| Noninterest expense to average assets | 2.9791% | 3,733 |
| Loan and lease loss provision to assets | 1.6513% | 368 |
| Net operating income to assets | -0.2633% | 6,623 |
| Return on assets (ROA) | -0.2337% | 6,608 |
| Pretax return on assets | -0.3551% | 6,653 |
| Return on Equity (ROE) | -2.4444% | 6,626 |
| Retained earnings to average equity (ytd only) | -2.4444% | 6,212 |
| Net charge-offs to loans | 1.9519% | 654 |
| Credit loss provision to net charge-offs | 108.6439% | 2,453 |
| Earnings coverage of net charge-offs (x) | 0.8233% | 4,023 |
| Efficiency ratio | 69.7434% | 4,329 |
| Assets per employee ($millions) | 4.7846% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7379% | 1,167 |
| Loan loss allowance to noncurrent loans | 42.1998% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 6.4812% | 861 |
| Noncurrent loans to loans | 6.4879% | 920 |
| Net loans and leases to total assets | 75.9885% | 1,032 |
| Net loans and leases to deposits | 86.6647% | 1,627 |
| Net loans and leases to core deposits | 94.0452% | 1,875 |
| Total domestic deposits to total assets | 87.6810% | 2,564 |
| Equity capital to assets | 9.6748% | 4,209 |
| Core capital (leverage) ratio | 9.5827% | 3,683 |
| Tier 1 risk-based capital ratio | 12.5920% | 5,178 |
| Total risk-based capital ratio | 13.8364% | 5,162 |
| Memoranda: | ||
| Average total assets | $1,525,314,500 | 446 |
| Average earning assets | $1,411,020,000 | 435 |
| Average equity | $145,802,000 | 483 |
| Average total loans | $1,187,738,500 | 371 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9058% | 5,007 |
| Cost of funding earning assets | 1.0004% | 5,686 |
| Net interest margin | 3.9054% | 3,458 |
| Noninterest income to average assets | 0.5262% | 3,981 |
| Noninterest expense to average assets | 2.6523% | 5,203 |
| Loan and lease loss provision to assets | 2.1357% | 596 |
| Net operating income to assets | -0.3768% | 6,290 |
| Return on assets (ROA) | -0.3724% | 6,313 |
| Pretax return on assets | -0.6286% | 6,416 |
| Return on Equity (ROE) | -3.9410% | 6,353 |
| Retained earnings to average equity (ytd only) | -3.9410% | 6,198 |
| Net charge-offs to loans | 2.2124% | 882 |
| Credit loss provision to net charge-offs | 126.5409% | 3,200 |
| Earnings coverage of net charge-offs (x) | 0.8889% | 5,229 |
| Efficiency ratio | 63.2030% | 5,481 |
| Assets per employee ($millions) | 4.9944% | 2,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6325% | 1,251 |
| Loan loss allowance to noncurrent loans | 60.0763% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 4.8130% | 1,350 |
| Noncurrent loans to loans | 4.3819% | 1,639 |
| Net loans and leases to total assets | 75.5738% | 1,354 |
| Net loans and leases to deposits | 85.9694% | 2,105 |
| Net loans and leases to core deposits | 95.5455% | 2,066 |
| Total domestic deposits to total assets | 87.9078% | 2,303 |
| Equity capital to assets | 9.4463% | 4,475 |
| Core capital (leverage) ratio | 9.0502% | 4,449 |
| Tier 1 risk-based capital ratio | 12.2954% | 5,214 |
| Total risk-based capital ratio | 13.5641% | 5,162 |
| Memoranda: | ||
| Average total assets | $1,591,911,200 | 433 |
| Average earning assets | $1,478,210,600 | 417 |
| Average equity | $150,445,400 | 456 |
| Average total loans | $1,214,446,000 | 369 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9296% | 5,135 |
| Cost of funding earning assets | 1.0505% | 5,698 |
| Net interest margin | 3.8792% | 3,614 |
| Noninterest income to average assets | 0.3159% | 5,621 |
| Noninterest expense to average assets | 2.4795% | 5,783 |
| Loan and lease loss provision to assets | 1.3191% | 1,052 |
| Net operating income to assets | 0.0761% | 5,828 |
| Return on assets (ROA) | 0.0786% | 5,964 |
| Pretax return on assets | 0.1260% | 5,876 |
| Return on Equity (ROE) | 0.8317% | 5,936 |
| Retained earnings to average equity (ytd only) | 0.8317% | 5,473 |
| Net charge-offs to loans | 1.2612% | 1,613 |
| Credit loss provision to net charge-offs | 137.6802% | 2,901 |
| Earnings coverage of net charge-offs (x) | 1.5043% | 4,602 |
| Efficiency ratio | 62.5358% | 5,517 |
| Assets per employee ($millions) | 5.2086% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3971% | 1,479 |
| Loan loss allowance to noncurrent loans | 54.6329% | 4,655 |
| Noncurrent assets plus other real estate owned to assets | 4.5464% | 1,490 |
| Noncurrent loans to loans | 4.3876% | 1,655 |
| Net loans and leases to total assets | 73.6871% | 1,866 |
| Net loans and leases to deposits | 83.9206% | 2,718 |
| Net loans and leases to core deposits | 95.4316% | 2,330 |
| Total domestic deposits to total assets | 87.8057% | 2,088 |
| Equity capital to assets | 9.6044% | 4,683 |
| Core capital (leverage) ratio | 9.6255% | 3,723 |
| Tier 1 risk-based capital ratio | 12.9041% | 4,650 |
| Total risk-based capital ratio | 14.1695% | 4,620 |
| Memoranda: | ||
| Average total assets | $1,602,820,750 | 421 |
| Average earning assets | $1,489,460,000 | 412 |
| Average equity | $151,493,250 | 449 |
| Average total loans | $1,217,626,750 | 369 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8397% | 5,642 |
| Cost of funding earning assets | 1.0980% | 5,681 |
| Net interest margin | 3.7417% | 4,175 |
| Noninterest income to average assets | 0.3830% | 5,060 |
| Noninterest expense to average assets | 2.5146% | 5,667 |
| Loan and lease loss provision to assets | 1.9128% | 649 |
| Net operating income to assets | -0.3651% | 6,534 |
| Return on assets (ROA) | -0.3613% | 6,570 |
| Pretax return on assets | -0.5656% | 6,638 |
| Return on Equity (ROE) | -3.8433% | 6,607 |
| Retained earnings to average equity (ytd only) | -3.8433% | 6,419 |
| Net charge-offs to loans | 1.6695% | 1,124 |
| Credit loss provision to net charge-offs | 150.5096% | 2,606 |
| Earnings coverage of net charge-offs (x) | 1.0555% | 4,736 |
| Efficiency ratio | 64.4961% | 5,241 |
| Assets per employee ($millions) | 5.1806% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4848% | 1,322 |
| Loan loss allowance to noncurrent loans | 57.0236% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 5.2454% | 1,202 |
| Noncurrent loans to loans | 4.3575% | 1,695 |
| Net loans and leases to total assets | 74.8894% | 1,720 |
| Net loans and leases to deposits | 85.3297% | 2,628 |
| Net loans and leases to core deposits | 98.2464% | 2,203 |
| Total domestic deposits to total assets | 87.7648% | 2,131 |
| Equity capital to assets | 9.5791% | 4,584 |
| Core capital (leverage) ratio | 9.3077% | 4,106 |
| Tier 1 risk-based capital ratio | 12.4557% | 4,901 |
| Total risk-based capital ratio | 13.7218% | 4,866 |
| Memoranda: | ||
| Average total assets | $1,605,814,670 | 424 |
| Average earning assets | $1,490,501,330 | 412 |
| Average equity | $150,964,670 | 451 |
| Average total loans | $1,222,403,000 | 369 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8230% | 5,799 |
| Cost of funding earning assets | 1.1328% | 5,746 |
| Net interest margin | 3.6902% | 4,295 |
| Noninterest income to average assets | 0.4822% | 4,185 |
| Noninterest expense to average assets | 2.4216% | 6,011 |
| Loan and lease loss provision to assets | 1.0436% | 1,183 |
| Net operating income to assets | 0.3066% | 5,272 |
| Return on assets (ROA) | 0.3143% | 5,366 |
| Pretax return on assets | 0.4673% | 5,066 |
| Return on Equity (ROE) | 3.3735% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.3735% | 4,134 |
| Net charge-offs to loans | 1.2739% | 1,339 |
| Credit loss provision to net charge-offs | 108.0731% | 3,185 |
| Earnings coverage of net charge-offs (x) | 1.5527% | 3,801 |
| Efficiency ratio | 61.0666% | 5,990 |
| Assets per employee ($millions) | 5.1779% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0230% | 2,125 |
| Loan loss allowance to noncurrent loans | 38.5058% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 5.2977% | 1,183 |
| Noncurrent loans to loans | 5.2537% | 1,354 |
| Net loans and leases to total assets | 75.3814% | 1,667 |
| Net loans and leases to deposits | 85.8813% | 2,606 |
| Net loans and leases to core deposits | 101.0630% | 2,022 |
| Total domestic deposits to total assets | 87.7739% | 2,198 |
| Equity capital to assets | 9.5643% | 4,436 |
| Core capital (leverage) ratio | 9.4681% | 3,821 |
| Tier 1 risk-based capital ratio | 12.7560% | 4,516 |
| Total risk-based capital ratio | 14.0169% | 4,473 |
| Memoranda: | ||
| Average total assets | $1,631,637,500 | 429 |
| Average earning assets | $1,520,476,000 | 418 |
| Average equity | $152,009,500 | 451 |
| Average total loans | $1,236,821,500 | 385 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3248% | 5,062 |
| Cost of funding earning assets | 1.4339% | 5,786 |
| Net interest margin | 3.8908% | 3,305 |
| Noninterest income to average assets | 0.8553% | 2,159 |
| Noninterest expense to average assets | 2.5239% | 6,044 |
| Loan and lease loss provision to assets | 1.6849% | 1,355 |
| Net operating income to assets | 0.2182% | 4,837 |
| Return on assets (ROA) | 0.3301% | 4,505 |
| Pretax return on assets | 0.4878% | 4,218 |
| Return on Equity (ROE) | 3.5269% | 4,276 |
| Retained earnings to average equity (ytd only) | -2.6982% | 5,646 |
| Net charge-offs to loans | 1.3415% | 1,859 |
| Credit loss provision to net charge-offs | 155.3672% | 2,924 |
| Earnings coverage of net charge-offs (x) | 1.8516% | 4,334 |
| Efficiency ratio | 55.2687% | 7,100 |
| Assets per employee ($millions) | 5.5065% | 1,638 |
| Cash dividends to net income (ytd only)* | 176.5052% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9656% | 2,102 |
| Loan loss allowance to noncurrent loans | 37.6776% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 4.9018% | 1,271 |
| Noncurrent loans to loans | 5.2169% | 1,265 |
| Net loans and leases to total assets | 73.2486% | 2,439 |
| Net loans and leases to deposits | 82.9028% | 3,472 |
| Net loans and leases to core deposits | 113.8056% | 2,516 |
| Total domestic deposits to total assets | 88.3548% | 1,790 |
| Equity capital to assets | 9.0794% | 5,013 |
| Core capital (leverage) ratio | 9.1768% | 4,157 |
| Tier 1 risk-based capital ratio | 12.3669% | 4,627 |
| Total risk-based capital ratio | 13.6269% | 4,581 |
| Memoranda: | ||
| Average total assets | $1,544,550,200 | 444 |
| Average earning assets | $1,459,538,800 | 428 |
| Average equity | $144,575,200 | 470 |
| Average total loans | $1,248,579,400 | 392 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4743% | 4,549 |
| Cost of funding earning assets | 1.4898% | 5,863 |
| Net interest margin | 3.9844% | 2,879 |
| Noninterest income to average assets | 0.9473% | 1,790 |
| Noninterest expense to average assets | 2.4206% | 6,351 |
| Loan and lease loss provision to assets | 1.8317% | 1,017 |
| Net operating income to assets | 0.2871% | 4,835 |
| Return on assets (ROA) | 0.3402% | 4,732 |
| Pretax return on assets | 0.5547% | 4,349 |
| Return on Equity (ROE) | 3.6047% | 4,533 |
| Retained earnings to average equity (ytd only) | -4.7957% | 6,228 |
| Net charge-offs to loans | 1.1897% | 1,705 |
| Credit loss provision to net charge-offs | 186.5680% | 2,441 |
| Earnings coverage of net charge-offs (x) | 2.3462% | 4,063 |
| Efficiency ratio | 50.8680% | 7,495 |
| Assets per employee ($millions) | 5.5321% | 1,586 |
| Cash dividends to net income (ytd only)* | 233.0401% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0142% | 1,766 |
| Loan loss allowance to noncurrent loans | 36.3092% | 5,984 |
| Noncurrent assets plus other real estate owned to assets | 4.9274% | 1,196 |
| Noncurrent loans to loans | 5.5473% | 1,126 |
| Net loans and leases to total assets | 76.7623% | 1,833 |
| Net loans and leases to deposits | 87.5214% | 3,053 |
| Net loans and leases to core deposits | 125.1865% | 1,800 |
| Total domestic deposits to total assets | 87.7069% | 1,798 |
| Equity capital to assets | 9.6078% | 4,609 |
| Core capital (leverage) ratio | 9.4720% | 3,949 |
| Tier 1 risk-based capital ratio | 12.6162% | 4,463 |
| Total risk-based capital ratio | 13.8772% | 4,402 |
| Memoranda: | ||
| Average total assets | $1,513,568,500 | 467 |
| Average earning assets | $1,434,654,750 | 452 |
| Average equity | $142,847,250 | 483 |
| Average total loans | $1,249,064,250 | 410 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6244% | 3,942 |
| Cost of funding earning assets | 1.5117% | 6,091 |
| Net interest margin | 4.1127% | 2,275 |
| Noninterest income to average assets | 1.0759% | 1,371 |
| Noninterest expense to average assets | 2.4085% | 6,433 |
| Loan and lease loss provision to assets | 2.2503% | 712 |
| Net operating income to assets | 0.2158% | 5,203 |
| Return on assets (ROA) | 0.2817% | 5,077 |
| Pretax return on assets | 0.4202% | 4,878 |
| Return on Equity (ROE) | 3.0035% | 4,901 |
| Retained earnings to average equity (ytd only) | -9.8564% | 6,859 |
| Net charge-offs to loans | 1.1421% | 1,595 |
| Credit loss provision to net charge-offs | 234.5719% | 1,973 |
| Earnings coverage of net charge-offs (x) | 2.6812% | 3,738 |
| Efficiency ratio | 47.9997% | 7,756 |
| Assets per employee ($millions) | 5.4007% | 1,666 |
| Cash dividends to net income (ytd only)* | 428.1637% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9597% | 1,654 |
| Loan loss allowance to noncurrent loans | 41.0934% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 4.3983% | 1,291 |
| Noncurrent loans to loans | 4.7688% | 1,317 |
| Net loans and leases to total assets | 80.2518% | 1,268 |
| Net loans and leases to deposits | 92.8798% | 2,298 |
| Net loans and leases to core deposits | 135.0418% | 1,263 |
| Total domestic deposits to total assets | 86.4039% | 2,568 |
| Equity capital to assets | 9.5820% | 4,507 |
| Core capital (leverage) ratio | 9.5357% | 3,834 |
| Tier 1 risk-based capital ratio | 12.3772% | 4,621 |
| Total risk-based capital ratio | 13.6380% | 4,539 |
| Memoranda: | ||
| Average total assets | $1,492,544,330 | 482 |
| Average earning assets | $1,417,067,670 | 466 |
| Average equity | $139,969,330 | 503 |
| Average total loans | $1,253,704,330 | 421 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6467% | 4,072 |
| Cost of funding earning assets | 1.5218% | 6,337 |
| Net interest margin | 4.1249% | 2,193 |
| Noninterest income to average assets | 1.0406% | 1,375 |
| Noninterest expense to average assets | 2.4413% | 6,052 |
| Loan and lease loss provision to assets | 1.1370% | 1,144 |
| Net operating income to assets | 0.8491% | 2,911 |
| Return on assets (ROA) | 0.9712% | 2,557 |
| Pretax return on assets | 1.5712% | 1,478 |
| Return on Equity (ROE) | 10.4766% | 2,140 |
| Retained earnings to average equity (ytd only) | -16.0539% | 7,494 |
| Net charge-offs to loans | 0.4584% | 2,300 |
| Credit loss provision to net charge-offs | 291.3866% | 1,665 |
| Earnings coverage of net charge-offs (x) | 6.4517% | 2,496 |
| Efficiency ratio | 48.5535% | 7,698 |
| Assets per employee ($millions) | 5.3849% | 1,667 |
| Cash dividends to net income (ytd only)* | 253.2358% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 3,340 |
| Loan loss allowance to noncurrent loans | 44.3893% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 2.9377% | 1,932 |
| Noncurrent loans to loans | 3.2231% | 2,005 |
| Net loans and leases to total assets | 81.4971% | 1,104 |
| Net loans and leases to deposits | 94.9444% | 2,117 |
| Net loans and leases to core deposits | 130.9674% | 1,602 |
| Total domestic deposits to total assets | 85.8367% | 2,802 |
| Equity capital to assets | 9.9047% | 4,111 |
| Core capital (leverage) ratio | 10.4765% | 2,956 |
| Tier 1 risk-based capital ratio | 12.5741% | 4,493 |
| Total risk-based capital ratio | 13.8274% | 4,414 |
| Memoranda: | ||
| Average total assets | $1,463,810,500 | 493 |
| Average earning assets | $1,390,476,500 | 475 |
| Average equity | $135,693,000 | 510 |
| Average total loans | $1,246,168,500 | 428 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2958% | 3,979 |
| Cost of funding earning assets | 2.4847% | 4,287 |
| Net interest margin | 3.8111% | 3,976 |
| Noninterest income to average assets | 0.3959% | 5,502 |
| Noninterest expense to average assets | 2.2965% | 6,713 |
| Loan and lease loss provision to assets | 0.5840% | 2,486 |
| Net operating income to assets | 0.6922% | 3,927 |
| Return on assets (ROA) | 0.7175% | 3,648 |
| Pretax return on assets | 1.1399% | 2,875 |
| Return on Equity (ROE) | 8.3419% | 2,918 |
| Retained earnings to average equity (ytd only) | 1.2072% | 4,503 |
| Net charge-offs to loans | 0.5371% | 2,218 |
| Credit loss provision to net charge-offs | 126.1640% | 4,232 |
| Earnings coverage of net charge-offs (x) | 3.6386% | 4,275 |
| Efficiency ratio | 57.6105% | 6,763 |
| Assets per employee ($millions) | 5.2382% | 1,700 |
| Cash dividends to net income (ytd only)* | 85.5281% | 1,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2314% | 4,297 |
| Loan loss allowance to noncurrent loans | 45.6166% | 5,735 |
| Noncurrent assets plus other real estate owned to assets | 2.5365% | 1,912 |
| Noncurrent loans to loans | 2.6994% | 2,007 |
| Net loans and leases to total assets | 86.6932% | 510 |
| Net loans and leases to deposits | 97.2459% | 2,242 |
| Net loans and leases to core deposits | 130.8948% | 1,787 |
| Total domestic deposits to total assets | 89.1484% | 984 |
| Equity capital to assets | 8.5857% | 5,955 |
| Core capital (leverage) ratio | 8.3425% | 5,866 |
| Tier 1 risk-based capital ratio | 10.0838% | 6,638 |
| Total risk-based capital ratio | 11.3344% | 6,518 |
| Memoranda: | ||
| Average total assets | $1,401,168,000 | 497 |
| Average earning assets | $1,318,008,000 | 482 |
| Average equity | $120,524,200 | 564 |
| Average total loans | $1,207,590,000 | 428 |