Home > Monroe Bank & Trust > Performance and Condition Ratios
Monroe Bank & Trust, Performance and Condition Ratios
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 4,163 |
| Cost of funding earning assets | 0.2077% | 5,057 |
| Net interest margin | 3.8917% | 2,262 |
| Noninterest income to average assets | 1.2261% | 572 |
| Noninterest expense to average assets | 2.7527% | 2,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9600% | 413 |
| Return on assets (ROA) | 0.2540% | 4,947 |
| Pretax return on assets | 0.2602% | 4,974 |
| Return on Equity (ROE) | 2.6124% | 4,859 |
| Retained earnings to average equity (ytd only) | -4.8075% | 5,053 |
| Net charge-offs to loans | 0.0385% | 2,117 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 89.9595% | 747 |
| Efficiency ratio | 57.9071% | 4,029 |
| Assets per employee ($millions) | 4.8719% | 2,631 |
| Cash dividends to net income (ytd only)* | 284.0237% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9908% | 3,673 |
| Loan loss allowance to noncurrent loans | 98.2979% | 3,358 |
| Noncurrent assets plus other real estate owned to assets | 0.5873% | 2,255 |
| Noncurrent loans to loans | 1.0079% | 1,626 |
| Net loans and leases to total assets | 57.4869% | 3,961 |
| Net loans and leases to deposits | 65.0136% | 4,156 |
| Net loans and leases to core deposits | 65.8231% | 4,325 |
| Total domestic deposits to total assets | 88.4229% | 910 |
| Equity capital to assets | 10.0981% | 3,888 |
| Core capital (leverage) ratio | 10.0051% | 3,577 |
| Tier 1 risk-based capital ratio | 14.8226% | 2,908 |
| Total risk-based capital ratio | 15.7126% | 3,004 |
| Memoranda: | ||
| Average total assets | $1,330,759,670 | 608 |
| Average earning assets | $1,206,267,000 | 609 |
| Average equity | $129,381,000 | 703 |
| Average total loans | $768,479,330 | 742 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0548% | 4,252 |
| Cost of funding earning assets | 0.2095% | 5,098 |
| Net interest margin | 3.8453% | 2,364 |
| Noninterest income to average assets | 1.1170% | 650 |
| Noninterest expense to average assets | 2.9686% | 2,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3254% | 1,611 |
| Return on assets (ROA) | -1.4257% | 5,301 |
| Pretax return on assets | -1.8498% | 5,307 |
| Return on Equity (ROE) | -14.9508% | 5,319 |
| Retained earnings to average equity (ytd only) | -22.8147% | 5,276 |
| Net charge-offs to loans | 0.1396% | 913 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 20.3097% | 1,561 |
| Efficiency ratio | 64.5176% | 3,157 |
| Assets per employee ($millions) | 5.1224% | 2,369 |
| Cash dividends to net income (ytd only)* | -52.5984% | 5,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9784% | 3,831 |
| Loan loss allowance to noncurrent loans | 104.2808% | 3,324 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 2,463 |
| Noncurrent loans to loans | 0.9382% | 1,789 |
| Net loans and leases to total assets | 57.0171% | 3,987 |
| Net loans and leases to deposits | 64.1497% | 4,173 |
| Net loans and leases to core deposits | 64.9401% | 4,332 |
| Total domestic deposits to total assets | 88.8813% | 919 |
| Equity capital to assets | 9.6526% | 4,129 |
| Core capital (leverage) ratio | 9.5453% | 4,079 |
| Tier 1 risk-based capital ratio | 14.7280% | 2,987 |
| Total risk-based capital ratio | 15.6277% | 3,083 |
| Memoranda: | ||
| Average total assets | $1,333,562,000 | 611 |
| Average earning assets | $1,208,338,500 | 612 |
| Average equity | $127,163,500 | 713 |
| Average total loans | $768,012,500 | 748 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8343% | 4,417 |
| Cost of funding earning assets | 0.1867% | 5,054 |
| Net interest margin | 3.6475% | 3,235 |
| Noninterest income to average assets | 1.2309% | 615 |
| Noninterest expense to average assets | 2.7641% | 2,810 |
| Loan and lease loss provision to assets | -0.0075% | 5,099 |
| Net operating income to assets | 1.4601% | 1,240 |
| Return on assets (ROA) | 1.4069% | 1,395 |
| Pretax return on assets | 1.7113% | 1,138 |
| Return on Equity (ROE) | 15.3335% | 761 |
| Retained earnings to average equity (ytd only) | -2.7299% | 5,169 |
| Net charge-offs to loans | -0.0278% | 4,789 |
| Credit loss provision to net charge-offs | 48.7805% | 3,208 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9798% | 3,692 |
| Assets per employee ($millions) | 4.9455% | 2,565 |
| Cash dividends to net income (ytd only)* | 117.8038% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,615 |
| Loan loss allowance to noncurrent loans | 139.6155% | 2,842 |
| Noncurrent assets plus other real estate owned to assets | 0.4687% | 2,690 |
| Noncurrent loans to loans | 0.7237% | 2,181 |
| Net loans and leases to total assets | 57.0197% | 4,044 |
| Net loans and leases to deposits | 64.3210% | 4,237 |
| Net loans and leases to core deposits | 65.1488% | 4,396 |
| Total domestic deposits to total assets | 88.6486% | 1,004 |
| Equity capital to assets | 9.4189% | 4,196 |
| Core capital (leverage) ratio | 10.1494% | 3,408 |
| Tier 1 risk-based capital ratio | 14.7297% | 2,953 |
| Total risk-based capital ratio | 15.6110% | 3,051 |
| Memoranda: | ||
| Average total assets | $1,333,446,400 | 592 |
| Average earning assets | $1,207,088,600 | 594 |
| Average equity | $122,346,600 | 706 |
| Average total loans | $736,225,600 | 748 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7763% | 4,489 |
| Cost of funding earning assets | 0.1754% | 5,118 |
| Net interest margin | 3.6009% | 3,359 |
| Noninterest income to average assets | 1.2492% | 618 |
| Noninterest expense to average assets | 2.7781% | 2,714 |
| Loan and lease loss provision to assets | -0.0100% | 5,218 |
| Net operating income to assets | 1.4317% | 1,386 |
| Return on assets (ROA) | 1.4107% | 1,444 |
| Pretax return on assets | 1.7141% | 1,240 |
| Return on Equity (ROE) | 15.4784% | 786 |
| Retained earnings to average equity (ytd only) | -5.1536% | 5,323 |
| Net charge-offs to loans | -0.0769% | 5,086 |
| Credit loss provision to net charge-offs | 23.8095% | 2,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6282% | 3,568 |
| Assets per employee ($millions) | 4.6282% | 2,948 |
| Cash dividends to net income (ytd only)* | 133.2955% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0607% | 3,411 |
| Loan loss allowance to noncurrent loans | 177.5061% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.4109% | 3,051 |
| Noncurrent loans to loans | 0.5976% | 2,589 |
| Net loans and leases to total assets | 55.6917% | 4,240 |
| Net loans and leases to deposits | 63.8553% | 4,336 |
| Net loans and leases to core deposits | 64.6778% | 4,477 |
| Total domestic deposits to total assets | 87.2154% | 1,632 |
| Equity capital to assets | 8.9700% | 4,577 |
| Core capital (leverage) ratio | 9.8632% | 3,784 |
| Tier 1 risk-based capital ratio | 14.7178% | 3,010 |
| Total risk-based capital ratio | 15.6293% | 3,093 |
| Memoranda: | ||
| Average total assets | $1,332,986,000 | 593 |
| Average earning assets | $1,206,270,250 | 596 |
| Average equity | $121,490,750 | 707 |
| Average total loans | $727,995,000 | 751 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6969% | 4,593 |
| Cost of funding earning assets | 0.1510% | 5,242 |
| Net interest margin | 3.5458% | 3,477 |
| Noninterest income to average assets | 1.2529% | 613 |
| Noninterest expense to average assets | 2.8147% | 2,621 |
| Loan and lease loss provision to assets | -0.0150% | 5,314 |
| Net operating income to assets | 1.3760% | 1,517 |
| Return on assets (ROA) | 1.3573% | 1,581 |
| Pretax return on assets | 1.6399% | 1,375 |
| Return on Equity (ROE) | 14.8138% | 888 |
| Retained earnings to average equity (ytd only) | -12.2366% | 5,439 |
| Net charge-offs to loans | -0.1089% | 5,193 |
| Credit loss provision to net charge-offs | 25.5102% | 2,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0803% | 3,454 |
| Assets per employee ($millions) | 4.7199% | 2,796 |
| Cash dividends to net income (ytd only)* | 182.6029% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0738% | 3,413 |
| Loan loss allowance to noncurrent loans | 236.8452% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.2841% | 3,631 |
| Noncurrent loans to loans | 0.4534% | 3,077 |
| Net loans and leases to total assets | 55.4765% | 4,205 |
| Net loans and leases to deposits | 63.8058% | 4,289 |
| Net loans and leases to core deposits | 64.6032% | 4,455 |
| Total domestic deposits to total assets | 86.9458% | 1,861 |
| Equity capital to assets | 8.9995% | 4,560 |
| Core capital (leverage) ratio | 9.8859% | 3,700 |
| Tier 1 risk-based capital ratio | 14.6518% | 3,040 |
| Total risk-based capital ratio | 15.5762% | 3,117 |
| Memoranda: | ||
| Average total assets | $1,331,462,000 | 590 |
| Average earning assets | $1,205,022,330 | 595 |
| Average equity | $121,994,670 | 702 |
| Average total loans | $719,695,000 | 764 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6222% | 4,656 |
| Cost of funding earning assets | 0.1389% | 5,318 |
| Net interest margin | 3.4833% | 3,594 |
| Noninterest income to average assets | 1.1742% | 666 |
| Noninterest expense to average assets | 2.8925% | 2,396 |
| Loan and lease loss provision to assets | -0.0299% | 5,439 |
| Net operating income to assets | 1.2326% | 1,884 |
| Return on assets (ROA) | 1.1981% | 2,025 |
| Pretax return on assets | 1.4235% | 1,920 |
| Return on Equity (ROE) | 12.9626% | 1,270 |
| Retained earnings to average equity (ytd only) | -35.6107% | 5,566 |
| Net charge-offs to loans | -0.1800% | 5,354 |
| Credit loss provision to net charge-offs | 31.3480% | 2,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8465% | 3,025 |
| Assets per employee ($millions) | 4.7178% | 2,834 |
| Cash dividends to net income (ytd only)* | 374.7190% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 3,445 |
| Loan loss allowance to noncurrent loans | 228.3522% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3532% | 3,433 |
| Noncurrent loans to loans | 0.4778% | 3,088 |
| Net loans and leases to total assets | 53.9148% | 4,289 |
| Net loans and leases to deposits | 59.8110% | 4,483 |
| Net loans and leases to core deposits | 60.5684% | 4,624 |
| Total domestic deposits to total assets | 90.1418% | 604 |
| Equity capital to assets | 8.7452% | 4,786 |
| Core capital (leverage) ratio | 9.5097% | 4,059 |
| Tier 1 risk-based capital ratio | 14.6510% | 3,052 |
| Total risk-based capital ratio | 15.5935% | 3,116 |
| Memoranda: | ||
| Average total assets | $1,336,407,000 | 595 |
| Average earning assets | $1,209,643,000 | 598 |
| Average equity | $123,524,500 | 696 |
| Average total loans | $708,982,500 | 774 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4471% | 4,868 |
| Cost of funding earning assets | 0.1433% | 5,299 |
| Net interest margin | 3.3038% | 4,151 |
| Noninterest income to average assets | 1.2223% | 700 |
| Noninterest expense to average assets | 2.6536% | 3,275 |
| Loan and lease loss provision to assets | -0.0521% | 5,403 |
| Net operating income to assets | 0.8369% | 3,004 |
| Return on assets (ROA) | 0.8109% | 3,151 |
| Pretax return on assets | 1.5590% | 1,421 |
| Return on Equity (ROE) | 8.2011% | 2,699 |
| Retained earnings to average equity (ytd only) | -7.2939% | 5,488 |
| Net charge-offs to loans | 0.0136% | 3,620 |
| Credit loss provision to net charge-offs | -760.8696% | 5,021 |
| Earnings coverage of net charge-offs (x) | 226.1739% | 362 |
| Efficiency ratio | 63.1639% | 3,745 |
| Assets per employee ($millions) | 4.6774% | 2,903 |
| Cash dividends to net income (ytd only)* | 188.9388% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 3,341 |
| Loan loss allowance to noncurrent loans | 209.3963% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3766% | 3,357 |
| Noncurrent loans to loans | 0.5265% | 2,934 |
| Net loans and leases to total assets | 51.0473% | 4,590 |
| Net loans and leases to deposits | 57.3164% | 4,731 |
| Net loans and leases to core deposits | 58.1033% | 4,846 |
| Total domestic deposits to total assets | 89.0623% | 977 |
| Equity capital to assets | 9.7330% | 3,988 |
| Core capital (leverage) ratio | 10.3263% | 3,046 |
| Tier 1 risk-based capital ratio | 16.2661% | 2,340 |
| Total risk-based capital ratio | 17.2062% | 2,391 |
| Memoranda: | ||
| Average total assets | $1,344,600,400 | 574 |
| Average earning assets | $1,212,323,200 | 581 |
| Average equity | $132,946,200 | 616 |
| Average total loans | $677,847,200 | 770 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 4,947 |
| Cost of funding earning assets | 0.1453% | 5,339 |
| Net interest margin | 3.2678% | 4,266 |
| Noninterest income to average assets | 1.1909% | 728 |
| Noninterest expense to average assets | 2.6506% | 3,243 |
| Loan and lease loss provision to assets | -0.0198% | 5,479 |
| Net operating income to assets | 1.0701% | 2,228 |
| Return on assets (ROA) | 1.0861% | 2,207 |
| Pretax return on assets | 1.5273% | 1,675 |
| Return on Equity (ROE) | 10.9419% | 1,723 |
| Retained earnings to average equity (ytd only) | -8.2474% | 5,597 |
| Net charge-offs to loans | 0.0491% | 2,450 |
| Credit loss provision to net charge-offs | -80.6452% | 4,491 |
| Earnings coverage of net charge-offs (x) | 60.3545% | 990 |
| Efficiency ratio | 64.0935% | 3,527 |
| Assets per employee ($millions) | 4.5664% | 3,020 |
| Cash dividends to net income (ytd only)* | 175.3745% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 3,174 |
| Loan loss allowance to noncurrent loans | 262.1931% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3490% | 3,642 |
| Noncurrent loans to loans | 0.4403% | 3,386 |
| Net loans and leases to total assets | 50.9135% | 4,651 |
| Net loans and leases to deposits | 57.3025% | 4,802 |
| Net loans and leases to core deposits | 58.0917% | 4,912 |
| Total domestic deposits to total assets | 88.8504% | 949 |
| Equity capital to assets | 9.9825% | 3,927 |
| Core capital (leverage) ratio | 10.1151% | 3,424 |
| Tier 1 risk-based capital ratio | 15.8233% | 2,580 |
| Total risk-based capital ratio | 16.8015% | 2,636 |
| Memoranda: | ||
| Average total assets | $1,343,975,250 | 573 |
| Average earning assets | $1,211,063,750 | 582 |
| Average equity | $133,404,500 | 622 |
| Average total loans | $673,477,750 | 779 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3578% | 5,018 |
| Cost of funding earning assets | 0.1474% | 5,356 |
| Net interest margin | 3.2104% | 4,388 |
| Noninterest income to average assets | 1.2088% | 706 |
| Noninterest expense to average assets | 2.6555% | 3,245 |
| Loan and lease loss provision to assets | -0.0298% | 5,576 |
| Net operating income to assets | 1.0307% | 2,290 |
| Return on assets (ROA) | 1.0388% | 2,296 |
| Pretax return on assets | 1.4918% | 1,681 |
| Return on Equity (ROE) | 10.4850% | 1,836 |
| Retained earnings to average equity (ytd only) | -16.8737% | 5,712 |
| Net charge-offs to loans | 0.0363% | 2,468 |
| Credit loss provision to net charge-offs | -165.2893% | 4,430 |
| Earnings coverage of net charge-offs (x) | 80.4959% | 765 |
| Efficiency ratio | 64.6730% | 3,558 |
| Assets per employee ($millions) | 4.6207% | 2,910 |
| Cash dividends to net income (ytd only)* | 260.9319% | 44 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 3,079 |
| Loan loss allowance to noncurrent loans | 196.2615% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4259% | 3,411 |
| Noncurrent loans to loans | 0.6065% | 2,909 |
| Net loans and leases to total assets | 50.9381% | 4,646 |
| Net loans and leases to deposits | 57.2964% | 4,785 |
| Net loans and leases to core deposits | 58.0830% | 4,916 |
| Total domestic deposits to total assets | 88.9028% | 1,006 |
| Equity capital to assets | 9.9792% | 3,936 |
| Core capital (leverage) ratio | 9.9502% | 3,597 |
| Tier 1 risk-based capital ratio | 15.6263% | 2,654 |
| Total risk-based capital ratio | 16.6284% | 2,704 |
| Memoranda: | ||
| Average total assets | $1,342,933,330 | 577 |
| Average earning assets | $1,211,939,670 | 582 |
| Average equity | $133,047,670 | 619 |
| Average total loans | $666,681,670 | 788 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2861% | 5,129 |
| Cost of funding earning assets | 0.1491% | 5,381 |
| Net interest margin | 3.1370% | 4,539 |
| Noninterest income to average assets | 1.1284% | 786 |
| Noninterest expense to average assets | 2.6478% | 3,311 |
| Loan and lease loss provision to assets | -0.0592% | 5,725 |
| Net operating income to assets | 0.9617% | 2,472 |
| Return on assets (ROA) | 0.9638% | 2,520 |
| Pretax return on assets | 1.3823% | 1,942 |
| Return on Equity (ROE) | 9.7629% | 2,081 |
| Retained earnings to average equity (ytd only) | -41.2106% | 5,813 |
| Net charge-offs to loans | -0.0462% | 5,147 |
| Credit loss provision to net charge-offs | 263.1579% | 857 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7288% | 3,375 |
| Assets per employee ($millions) | 4.7073% | 2,833 |
| Cash dividends to net income (ytd only)* | 522.1130% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2562% | 2,779 |
| Loan loss allowance to noncurrent loans | 166.3473% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.4732% | 3,329 |
| Noncurrent loans to loans | 0.7551% | 2,598 |
| Net loans and leases to total assets | 48.6606% | 4,774 |
| Net loans and leases to deposits | 54.3709% | 4,913 |
| Net loans and leases to core deposits | 55.0765% | 5,022 |
| Total domestic deposits to total assets | 89.4975% | 895 |
| Equity capital to assets | 9.4862% | 4,291 |
| Core capital (leverage) ratio | 9.6452% | 3,937 |
| Tier 1 risk-based capital ratio | 15.3760% | 2,807 |
| Total risk-based capital ratio | 16.4044% | 2,829 |
| Memoranda: | ||
| Average total assets | $1,351,329,000 | 573 |
| Average earning assets | $1,223,225,500 | 577 |
| Average equity | $133,402,500 | 614 |
| Average total loans | $658,198,500 | 798 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2791% | 5,192 |
| Cost of funding earning assets | 0.1841% | 5,168 |
| Net interest margin | 3.0950% | 4,736 |
| Noninterest income to average assets | 1.1482% | 866 |
| Noninterest expense to average assets | 2.7086% | 3,319 |
| Loan and lease loss provision to assets | -0.1643% | 5,750 |
| Net operating income to assets | 0.9870% | 2,404 |
| Return on assets (ROA) | 1.0994% | 2,000 |
| Pretax return on assets | 1.5737% | 1,362 |
| Return on Equity (ROE) | 10.2931% | 1,847 |
| Retained earnings to average equity (ytd only) | -0.6503% | 5,401 |
| Net charge-offs to loans | 0.0374% | 3,281 |
| Credit loss provision to net charge-offs | -924.3697% | 5,284 |
| Earnings coverage of net charge-offs (x) | 70.2479% | 787 |
| Efficiency ratio | 68.4452% | 3,168 |
| Assets per employee ($millions) | 4.8966% | 2,508 |
| Cash dividends to net income (ytd only)* | 106.3179% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,569 |
| Loan loss allowance to noncurrent loans | 181.2688% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.4645% | 3,398 |
| Noncurrent loans to loans | 0.7146% | 2,751 |
| Net loans and leases to total assets | 47.5160% | 4,927 |
| Net loans and leases to deposits | 53.6319% | 5,031 |
| Net loans and leases to core deposits | 54.4734% | 5,128 |
| Total domestic deposits to total assets | 88.5966% | 1,326 |
| Equity capital to assets | 10.2549% | 3,441 |
| Core capital (leverage) ratio | 10.7483% | 2,597 |
| Tier 1 risk-based capital ratio | 17.0729% | 2,131 |
| Total risk-based capital ratio | 18.1242% | 2,148 |
| Memoranda: | ||
| Average total assets | $1,338,875,400 | 551 |
| Average earning assets | $1,215,207,600 | 556 |
| Average equity | $143,008,800 | 552 |
| Average total loans | $637,198,000 | 782 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2807% | 5,240 |
| Cost of funding earning assets | 0.1969% | 5,101 |
| Net interest margin | 3.0839% | 4,814 |
| Noninterest income to average assets | 1.1548% | 856 |
| Noninterest expense to average assets | 2.7021% | 3,342 |
| Loan and lease loss provision to assets | -0.1199% | 5,811 |
| Net operating income to assets | 0.9591% | 2,615 |
| Return on assets (ROA) | 1.1101% | 2,055 |
| Pretax return on assets | 1.5898% | 1,411 |
| Return on Equity (ROE) | 10.2886% | 1,935 |
| Retained earnings to average equity (ytd only) | -3.3696% | 5,669 |
| Net charge-offs to loans | 0.0613% | 2,476 |
| Credit loss provision to net charge-offs | -412.3711% | 5,026 |
| Earnings coverage of net charge-offs (x) | 43.1375% | 1,182 |
| Efficiency ratio | 68.2989% | 3,176 |
| Assets per employee ($millions) | 4.7748% | 2,645 |
| Cash dividends to net income (ytd only)* | 132.7513% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 2,049 |
| Loan loss allowance to noncurrent loans | 142.9983% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 3,061 |
| Noncurrent loans to loans | 1.0019% | 2,240 |
| Net loans and leases to total assets | 48.2251% | 4,944 |
| Net loans and leases to deposits | 54.7547% | 5,065 |
| Net loans and leases to core deposits | 55.6287% | 5,164 |
| Total domestic deposits to total assets | 88.0748% | 1,366 |
| Equity capital to assets | 10.8627% | 3,188 |
| Core capital (leverage) ratio | 10.5161% | 2,978 |
| Tier 1 risk-based capital ratio | 16.9976% | 2,227 |
| Total risk-based capital ratio | 18.1856% | 2,205 |
| Memoranda: | ||
| Average total assets | $1,334,503,500 | 555 |
| Average earning assets | $1,212,301,250 | 555 |
| Average equity | $143,987,750 | 554 |
| Average total loans | $633,260,500 | 783 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2794% | 5,324 |
| Cost of funding earning assets | 0.2169% | 4,974 |
| Net interest margin | 3.0626% | 4,937 |
| Noninterest income to average assets | 1.1414% | 854 |
| Noninterest expense to average assets | 2.7217% | 3,301 |
| Loan and lease loss provision to assets | -0.0751% | 5,847 |
| Net operating income to assets | 0.8910% | 2,906 |
| Return on assets (ROA) | 1.1088% | 2,050 |
| Pretax return on assets | 1.5876% | 1,405 |
| Return on Equity (ROE) | 10.2997% | 1,923 |
| Retained earnings to average equity (ytd only) | -7.4825% | 5,829 |
| Net charge-offs to loans | 0.1576% | 1,386 |
| Credit loss provision to net charge-offs | -101.4199% | 4,605 |
| Earnings coverage of net charge-offs (x) | 16.2312% | 1,939 |
| Efficiency ratio | 69.3762% | 3,079 |
| Assets per employee ($millions) | 4.5908% | 2,878 |
| Cash dividends to net income (ytd only)* | 172.6473% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 1,677 |
| Loan loss allowance to noncurrent loans | 130.9401% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 2,853 |
| Noncurrent loans to loans | 1.1832% | 1,941 |
| Net loans and leases to total assets | 47.5963% | 5,023 |
| Net loans and leases to deposits | 54.0821% | 5,132 |
| Net loans and leases to core deposits | 54.9630% | 5,228 |
| Total domestic deposits to total assets | 88.0074% | 1,433 |
| Equity capital to assets | 10.9515% | 3,112 |
| Core capital (leverage) ratio | 10.3345% | 3,153 |
| Tier 1 risk-based capital ratio | 16.8229% | 2,293 |
| Total risk-based capital ratio | 18.0775% | 2,246 |
| Memoranda: | ||
| Average total assets | $1,332,102,330 | 556 |
| Average earning assets | $1,209,965,000 | 556 |
| Average equity | $143,401,670 | 556 |
| Average total loans | $625,532,330 | 795 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2864% | 5,341 |
| Cost of funding earning assets | 0.2282% | 4,922 |
| Net interest margin | 3.0582% | 4,977 |
| Noninterest income to average assets | 1.1356% | 851 |
| Noninterest expense to average assets | 2.7995% | 3,074 |
| Loan and lease loss provision to assets | -0.0897% | 5,980 |
| Net operating income to assets | 0.8531% | 2,979 |
| Return on assets (ROA) | 0.9211% | 2,754 |
| Pretax return on assets | 1.2999% | 2,306 |
| Return on Equity (ROE) | 8.6304% | 2,591 |
| Retained earnings to average equity (ytd only) | -25.0055% | 6,003 |
| Net charge-offs to loans | 0.0381% | 2,228 |
| Credit loss provision to net charge-offs | -508.4746% | 4,579 |
| Earnings coverage of net charge-offs (x) | 63.1356% | 750 |
| Efficiency ratio | 71.5279% | 2,865 |
| Assets per employee ($millions) | 4.6281% | 2,849 |
| Cash dividends to net income (ytd only)* | 389.7369% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7033% | 1,362 |
| Loan loss allowance to noncurrent loans | 130.1507% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.7265% | 2,898 |
| Noncurrent loans to loans | 1.3087% | 1,835 |
| Net loans and leases to total assets | 45.6205% | 5,147 |
| Net loans and leases to deposits | 52.2273% | 5,215 |
| Net loans and leases to core deposits | 53.0414% | 5,308 |
| Total domestic deposits to total assets | 87.3498% | 2,029 |
| Equity capital to assets | 10.5224% | 3,462 |
| Core capital (leverage) ratio | 10.0418% | 3,485 |
| Tier 1 risk-based capital ratio | 17.2786% | 2,185 |
| Total risk-based capital ratio | 18.5400% | 2,152 |
| Memoranda: | ||
| Average total assets | $1,337,077,000 | 554 |
| Average earning assets | $1,214,694,500 | 558 |
| Average equity | $142,704,500 | 553 |
| Average total loans | $618,699,000 | 803 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3990% | 5,162 |
| Cost of funding earning assets | 0.2604% | 4,686 |
| Net interest margin | 3.1386% | 4,813 |
| Noninterest income to average assets | 1.1438% | 902 |
| Noninterest expense to average assets | 2.8993% | 2,862 |
| Loan and lease loss provision to assets | -0.2296% | 6,018 |
| Net operating income to assets | 0.9194% | 2,762 |
| Return on assets (ROA) | 0.9410% | 2,730 |
| Pretax return on assets | 1.3336% | 2,152 |
| Return on Equity (ROE) | 8.8272% | 2,538 |
| Retained earnings to average equity (ytd only) | 8.8272% | 696 |
| Net charge-offs to loans | -0.1110% | 5,806 |
| Credit loss provision to net charge-offs | 436.0465% | 705 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9784% | 2,750 |
| Assets per employee ($millions) | 4.5160% | 3,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7609% | 1,212 |
| Loan loss allowance to noncurrent loans | 126.1549% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.8216% | 2,621 |
| Noncurrent loans to loans | 1.3958% | 1,676 |
| Net loans and leases to total assets | 45.3225% | 5,208 |
| Net loans and leases to deposits | 52.0898% | 5,280 |
| Net loans and leases to core deposits | 53.0861% | 5,366 |
| Total domestic deposits to total assets | 87.0085% | 2,131 |
| Equity capital to assets | 10.8224% | 3,001 |
| Core capital (leverage) ratio | 10.9124% | 2,482 |
| Tier 1 risk-based capital ratio | 18.3307% | 1,874 |
| Total risk-based capital ratio | 19.5920% | 1,824 |
| Memoranda: | ||
| Average total assets | $1,306,457,200 | 549 |
| Average earning assets | $1,177,585,400 | 549 |
| Average equity | $139,274,000 | 543 |
| Average total loans | $619,925,600 | 755 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4238% | 5,152 |
| Cost of funding earning assets | 0.2688% | 4,676 |
| Net interest margin | 3.1549% | 4,809 |
| Noninterest income to average assets | 1.1449% | 912 |
| Noninterest expense to average assets | 2.9216% | 2,777 |
| Loan and lease loss provision to assets | -0.1027% | 6,002 |
| Net operating income to assets | 0.8277% | 3,292 |
| Return on assets (ROA) | 0.8477% | 3,269 |
| Pretax return on assets | 1.1936% | 2,847 |
| Return on Equity (ROE) | 7.9831% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.9831% | 1,246 |
| Net charge-offs to loans | -0.1694% | 5,951 |
| Credit loss provision to net charge-offs | 126.9036% | 1,908 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3271% | 2,661 |
| Assets per employee ($millions) | 3.9043% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0780% | 806 |
| Loan loss allowance to noncurrent loans | 122.2693% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 0.9715% | 2,421 |
| Noncurrent loans to loans | 1.6995% | 1,423 |
| Net loans and leases to total assets | 46.5442% | 5,191 |
| Net loans and leases to deposits | 53.7973% | 5,264 |
| Net loans and leases to core deposits | 54.8814% | 5,363 |
| Total domestic deposits to total assets | 86.5176% | 2,273 |
| Equity capital to assets | 10.9471% | 3,083 |
| Core capital (leverage) ratio | 10.6307% | 2,896 |
| Tier 1 risk-based capital ratio | 17.7103% | 2,114 |
| Total risk-based capital ratio | 18.9774% | 2,075 |
| Memoranda: | ||
| Average total assets | $1,297,758,500 | 552 |
| Average earning assets | $1,167,960,750 | 556 |
| Average equity | $137,803,500 | 550 |
| Average total loans | $620,210,750 | 763 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4575% | 5,088 |
| Cost of funding earning assets | 0.2788% | 4,626 |
| Net interest margin | 3.1787% | 4,722 |
| Noninterest income to average assets | 1.1115% | 981 |
| Noninterest expense to average assets | 2.9896% | 2,584 |
| Loan and lease loss provision to assets | -0.1239% | 6,109 |
| Net operating income to assets | 0.7798% | 3,487 |
| Return on assets (ROA) | 0.8082% | 3,442 |
| Pretax return on assets | 1.1371% | 3,018 |
| Return on Equity (ROE) | 7.6920% | 3,212 |
| Retained earnings to average equity (ytd only) | 7.6920% | 1,390 |
| Net charge-offs to loans | -0.2170% | 6,048 |
| Credit loss provision to net charge-offs | 119.2250% | 1,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4405% | 2,464 |
| Assets per employee ($millions) | 3.6891% | 4,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0921% | 865 |
| Loan loss allowance to noncurrent loans | 117.4585% | 3,325 |
| Noncurrent assets plus other real estate owned to assets | 1.1902% | 2,130 |
| Noncurrent loans to loans | 1.7811% | 1,441 |
| Net loans and leases to total assets | 47.4052% | 5,155 |
| Net loans and leases to deposits | 54.5126% | 5,224 |
| Net loans and leases to core deposits | 55.8838% | 5,317 |
| Total domestic deposits to total assets | 86.9619% | 2,191 |
| Equity capital to assets | 10.5910% | 3,337 |
| Core capital (leverage) ratio | 10.4330% | 3,043 |
| Tier 1 risk-based capital ratio | 17.0862% | 2,373 |
| Total risk-based capital ratio | 18.3527% | 2,313 |
| Memoranda: | ||
| Average total assets | $1,291,757,670 | 552 |
| Average earning assets | $1,158,698,330 | 555 |
| Average equity | $135,725,330 | 558 |
| Average total loans | $618,479,000 | 767 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5087% | 4,935 |
| Cost of funding earning assets | 0.2829% | 4,631 |
| Net interest margin | 3.2258% | 4,498 |
| Noninterest income to average assets | 1.0504% | 1,019 |
| Noninterest expense to average assets | 3.0046% | 2,565 |
| Loan and lease loss provision to assets | -0.2477% | 6,284 |
| Net operating income to assets | 0.8318% | 3,101 |
| Return on assets (ROA) | 0.8829% | 2,957 |
| Pretax return on assets | 1.2575% | 2,436 |
| Return on Equity (ROE) | 8.4371% | 2,732 |
| Retained earnings to average equity (ytd only) | 8.4371% | 1,399 |
| Net charge-offs to loans | -0.5092% | 6,243 |
| Credit loss provision to net charge-offs | 102.1711% | 1,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2312% | 2,479 |
| Assets per employee ($millions) | 3.6794% | 4,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1297% | 885 |
| Loan loss allowance to noncurrent loans | 106.9656% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 1.3183% | 2,015 |
| Noncurrent loans to loans | 1.9910% | 1,313 |
| Net loans and leases to total assets | 46.4091% | 5,174 |
| Net loans and leases to deposits | 53.3179% | 5,246 |
| Net loans and leases to core deposits | 54.6375% | 5,337 |
| Total domestic deposits to total assets | 87.0423% | 2,344 |
| Equity capital to assets | 10.5706% | 3,460 |
| Core capital (leverage) ratio | 10.2038% | 3,335 |
| Tier 1 risk-based capital ratio | 17.0960% | 2,444 |
| Total risk-based capital ratio | 18.3653% | 2,394 |
| Memoranda: | ||
| Average total assets | $1,292,039,500 | 543 |
| Average earning assets | $1,157,923,500 | 556 |
| Average equity | $135,212,500 | 560 |
| Average total loans | $615,132,500 | 762 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5242% | 5,266 |
| Cost of funding earning assets | 0.3511% | 4,237 |
| Net interest margin | 3.1731% | 5,006 |
| Noninterest income to average assets | 1.1356% | 943 |
| Noninterest expense to average assets | 3.1078% | 2,488 |
| Loan and lease loss provision to assets | -0.0405% | 5,999 |
| Net operating income to assets | 0.6500% | 4,144 |
| Return on assets (ROA) | 0.5979% | 4,472 |
| Pretax return on assets | 0.8060% | 4,235 |
| Return on Equity (ROE) | 6.0244% | 4,135 |
| Retained earnings to average equity (ytd only) | 6.0244% | 1,915 |
| Net charge-offs to loans | 0.4186% | 1,015 |
| Credit loss provision to net charge-offs | -19.9920% | 5,352 |
| Earnings coverage of net charge-offs (x) | 4.1279% | 3,731 |
| Efficiency ratio | 78.8047% | 2,089 |
| Assets per employee ($millions) | 3.4915% | 4,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1621% | 870 |
| Loan loss allowance to noncurrent loans | 101.2107% | 3,684 |
| Noncurrent assets plus other real estate owned to assets | 1.4606% | 1,882 |
| Noncurrent loans to loans | 2.1363% | 1,269 |
| Net loans and leases to total assets | 46.7705% | 5,265 |
| Net loans and leases to deposits | 53.6736% | 5,356 |
| Net loans and leases to core deposits | 55.0505% | 5,441 |
| Total domestic deposits to total assets | 87.1387% | 2,200 |
| Equity capital to assets | 10.3571% | 3,659 |
| Core capital (leverage) ratio | 9.5545% | 4,167 |
| Tier 1 risk-based capital ratio | 15.7480% | 3,104 |
| Total risk-based capital ratio | 17.0106% | 3,027 |
| Memoranda: | ||
| Average total assets | $1,235,101,800 | 549 |
| Average earning assets | $1,093,045,400 | 562 |
| Average equity | $122,584,400 | 597 |
| Average total loans | $597,423,400 | 738 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5581% | 5,246 |
| Cost of funding earning assets | 0.3667% | 4,165 |
| Net interest margin | 3.1915% | 4,996 |
| Noninterest income to average assets | 1.1032% | 998 |
| Noninterest expense to average assets | 3.1156% | 2,426 |
| Loan and lease loss provision to assets | -0.0544% | 6,199 |
| Net operating income to assets | 0.6447% | 4,236 |
| Return on assets (ROA) | 0.5665% | 4,678 |
| Pretax return on assets | 0.7565% | 4,514 |
| Return on Equity (ROE) | 5.7730% | 4,352 |
| Retained earnings to average equity (ytd only) | 5.7730% | 2,554 |
| Net charge-offs to loans | 0.5788% | 644 |
| Credit loss provision to net charge-offs | -19.3874% | 5,275 |
| Earnings coverage of net charge-offs (x) | 2.8713% | 3,804 |
| Efficiency ratio | 79.4397% | 1,996 |
| Assets per employee ($millions) | 3.3813% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2400% | 889 |
| Loan loss allowance to noncurrent loans | 98.2932% | 3,713 |
| Noncurrent assets plus other real estate owned to assets | 1.5502% | 1,979 |
| Noncurrent loans to loans | 2.2789% | 1,315 |
| Net loans and leases to total assets | 45.8027% | 5,397 |
| Net loans and leases to deposits | 52.5136% | 5,502 |
| Net loans and leases to core deposits | 53.9440% | 5,570 |
| Total domestic deposits to total assets | 87.2207% | 2,183 |
| Equity capital to assets | 10.2705% | 3,825 |
| Core capital (leverage) ratio | 9.3773% | 4,536 |
| Tier 1 risk-based capital ratio | 15.4490% | 3,350 |
| Total risk-based capital ratio | 16.7106% | 3,282 |
| Memoranda: | ||
| Average total assets | $1,224,406,500 | 549 |
| Average earning assets | $1,081,400,250 | 567 |
| Average equity | $120,142,500 | 605 |
| Average total loans | $594,059,250 | 743 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5588% | 5,264 |
| Cost of funding earning assets | 0.3787% | 4,116 |
| Net interest margin | 3.1800% | 5,009 |
| Noninterest income to average assets | 1.1488% | 894 |
| Noninterest expense to average assets | 3.1764% | 2,260 |
| Loan and lease loss provision to assets | 0.0329% | 3,629 |
| Net operating income to assets | 0.5575% | 4,560 |
| Return on assets (ROA) | 0.5652% | 4,624 |
| Pretax return on assets | 0.7528% | 4,444 |
| Return on Equity (ROE) | 5.8538% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.8538% | 2,413 |
| Net charge-offs to loans | 0.4719% | 856 |
| Credit loss provision to net charge-offs | 14.2045% | 3,265 |
| Earnings coverage of net charge-offs (x) | 3.3473% | 3,335 |
| Efficiency ratio | 80.3772% | 1,969 |
| Assets per employee ($millions) | 3.2942% | 5,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5010% | 708 |
| Loan loss allowance to noncurrent loans | 78.7371% | 4,235 |
| Noncurrent assets plus other real estate owned to assets | 2.5100% | 1,132 |
| Noncurrent loans to loans | 3.1764% | 894 |
| Net loans and leases to total assets | 48.3720% | 5,142 |
| Net loans and leases to deposits | 55.6147% | 5,225 |
| Net loans and leases to core deposits | 57.1562% | 5,326 |
| Total domestic deposits to total assets | 86.9771% | 2,466 |
| Equity capital to assets | 10.4718% | 3,474 |
| Core capital (leverage) ratio | 9.2576% | 4,656 |
| Tier 1 risk-based capital ratio | 14.3095% | 4,057 |
| Total risk-based capital ratio | 15.5728% | 3,983 |
| Memoranda: | ||
| Average total assets | $1,215,520,000 | 555 |
| Average earning assets | $1,071,440,000 | 568 |
| Average equity | $117,359,670 | 609 |
| Average total loans | $596,695,000 | 725 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5519% | 5,289 |
| Cost of funding earning assets | 0.3876% | 4,115 |
| Net interest margin | 3.1643% | 5,037 |
| Noninterest income to average assets | 1.1858% | 791 |
| Noninterest expense to average assets | 3.1523% | 2,371 |
| Loan and lease loss provision to assets | 0.0328% | 3,390 |
| Net operating income to assets | 0.5866% | 4,255 |
| Return on assets (ROA) | 0.6006% | 4,277 |
| Pretax return on assets | 0.8057% | 4,089 |
| Return on Equity (ROE) | 6.4929% | 3,752 |
| Retained earnings to average equity (ytd only) | 6.4929% | 2,285 |
| Net charge-offs to loans | 0.1015% | 2,154 |
| Credit loss provision to net charge-offs | 66.2252% | 2,041 |
| Earnings coverage of net charge-offs (x) | 16.5430% | 1,503 |
| Efficiency ratio | 79.3605% | 2,289 |
| Assets per employee ($millions) | 3.2782% | 5,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7293% | 602 |
| Loan loss allowance to noncurrent loans | 69.8362% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 2.9743% | 969 |
| Noncurrent loans to loans | 3.9081% | 698 |
| Net loans and leases to total assets | 47.3491% | 5,199 |
| Net loans and leases to deposits | 54.4833% | 5,236 |
| Net loans and leases to core deposits | 56.0374% | 5,350 |
| Total domestic deposits to total assets | 86.9058% | 2,866 |
| Equity capital to assets | 9.5739% | 4,397 |
| Core capital (leverage) ratio | 8.6533% | 5,453 |
| Tier 1 risk-based capital ratio | 13.5360% | 4,656 |
| Total risk-based capital ratio | 14.8003% | 4,589 |
| Memoranda: | ||
| Average total assets | $1,218,796,000 | 557 |
| Average earning assets | $1,073,232,500 | 576 |
| Average equity | $112,739,000 | 629 |
| Average total loans | $595,141,000 | 731 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5966% | 5,410 |
| Cost of funding earning assets | 0.5532% | 3,086 |
| Net interest margin | 3.0434% | 5,465 |
| Noninterest income to average assets | 1.1475% | 1,070 |
| Noninterest expense to average assets | 3.0806% | 2,800 |
| Loan and lease loss provision to assets | 0.1793% | 2,059 |
| Net operating income to assets | 2.0346% | 321 |
| Return on assets (ROA) | 2.0691% | 302 |
| Pretax return on assets | 0.6278% | 4,779 |
| Return on Equity (ROE) | 27.9052% | 90 |
| Retained earnings to average equity (ytd only) | 27.9052% | 38 |
| Net charge-offs to loans | 0.5357% | 1,239 |
| Credit loss provision to net charge-offs | 66.8693% | 3,386 |
| Earnings coverage of net charge-offs (x) | 2.8809% | 4,038 |
| Efficiency ratio | 79.9276% | 2,159 |
| Assets per employee ($millions) | 3.2657% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7094% | 662 |
| Loan loss allowance to noncurrent loans | 68.2312% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 3.0001% | 1,055 |
| Noncurrent loans to loans | 3.9709% | 734 |
| Net loans and leases to total assets | 47.6550% | 5,330 |
| Net loans and leases to deposits | 54.3864% | 5,441 |
| Net loans and leases to core deposits | 55.8728% | 5,544 |
| Total domestic deposits to total assets | 87.6231% | 2,409 |
| Equity capital to assets | 8.9275% | 5,119 |
| Core capital (leverage) ratio | 8.4790% | 5,696 |
| Tier 1 risk-based capital ratio | 13.0996% | 4,913 |
| Total risk-based capital ratio | 14.3636% | 4,845 |
| Memoranda: | ||
| Average total assets | $1,226,740,800 | 533 |
| Average earning assets | $1,090,606,600 | 546 |
| Average equity | $90,961,600 | 777 |
| Average total loans | $614,150,800 | 681 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5995% | 5,442 |
| Cost of funding earning assets | 0.5956% | 2,849 |
| Net interest margin | 3.0039% | 5,587 |
| Noninterest income to average assets | 1.1353% | 1,137 |
| Noninterest expense to average assets | 3.0383% | 2,862 |
| Loan and lease loss provision to assets | 0.2280% | 1,588 |
| Net operating income to assets | 2.5419% | 166 |
| Return on assets (ROA) | 2.5752% | 167 |
| Pretax return on assets | 0.5803% | 5,095 |
| Return on Equity (ROE) | 36.5861% | 41 |
| Retained earnings to average equity (ytd only) | 36.5861% | 19 |
| Net charge-offs to loans | 0.5679% | 1,116 |
| Credit loss provision to net charge-offs | 79.7569% | 2,859 |
| Earnings coverage of net charge-offs (x) | 2.7110% | 3,932 |
| Efficiency ratio | 79.6487% | 2,154 |
| Assets per employee ($millions) | 3.2614% | 5,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7436% | 710 |
| Loan loss allowance to noncurrent loans | 59.8486% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 3.5203% | 965 |
| Noncurrent loans to loans | 4.5842% | 701 |
| Net loans and leases to total assets | 49.6546% | 5,179 |
| Net loans and leases to deposits | 56.3657% | 5,341 |
| Net loans and leases to core deposits | 58.2128% | 5,433 |
| Total domestic deposits to total assets | 88.0936% | 2,069 |
| Equity capital to assets | 8.3171% | 5,903 |
| Core capital (leverage) ratio | 7.4603% | 6,464 |
| Tier 1 risk-based capital ratio | 11.3230% | 6,141 |
| Total risk-based capital ratio | 12.5894% | 6,101 |
| Memoranda: | ||
| Average total assets | $1,228,081,000 | 534 |
| Average earning assets | $1,094,819,250 | 545 |
| Average equity | $86,442,250 | 821 |
| Average total loans | $618,124,000 | 678 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 5,531 |
| Cost of funding earning assets | 0.6606% | 2,395 |
| Net interest margin | 2.9077% | 5,788 |
| Noninterest income to average assets | 1.1484% | 1,153 |
| Noninterest expense to average assets | 3.0184% | 2,942 |
| Loan and lease loss provision to assets | 0.3068% | 1,163 |
| Net operating income to assets | 0.4281% | 5,115 |
| Return on assets (ROA) | 0.4546% | 5,168 |
| Pretax return on assets | 0.4546% | 5,506 |
| Return on Equity (ROE) | 6.8597% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.8597% | 1,953 |
| Net charge-offs to loans | 0.6460% | 1,019 |
| Credit loss provision to net charge-offs | 94.8104% | 2,336 |
| Earnings coverage of net charge-offs (x) | 2.2710% | 3,768 |
| Efficiency ratio | 80.3803% | 2,104 |
| Assets per employee ($millions) | 3.1923% | 5,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7922% | 712 |
| Loan loss allowance to noncurrent loans | 53.6288% | 5,043 |
| Noncurrent assets plus other real estate owned to assets | 4.0143% | 860 |
| Noncurrent loans to loans | 5.2065% | 603 |
| Net loans and leases to total assets | 51.5183% | 4,926 |
| Net loans and leases to deposits | 57.4944% | 5,204 |
| Net loans and leases to core deposits | 59.3440% | 5,315 |
| Total domestic deposits to total assets | 89.6058% | 1,263 |
| Equity capital to assets | 6.7324% | 6,647 |
| Core capital (leverage) ratio | 6.8621% | 6,645 |
| Tier 1 risk-based capital ratio | 10.8224% | 6,406 |
| Total risk-based capital ratio | 12.0902% | 6,370 |
| Memoranda: | ||
| Average total assets | $1,238,466,330 | 532 |
| Average earning assets | $1,109,527,000 | 531 |
| Average equity | $82,073,330 | 875 |
| Average total loans | $620,467,330 | 675 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5000% | 5,707 |
| Cost of funding earning assets | 0.7008% | 2,199 |
| Net interest margin | 2.7992% | 6,038 |
| Noninterest income to average assets | 1.2598% | 963 |
| Noninterest expense to average assets | 2.9363% | 3,202 |
| Loan and lease loss provision to assets | 0.4700% | 586 |
| Net operating income to assets | 0.3738% | 5,240 |
| Return on assets (ROA) | 0.3769% | 5,363 |
| Pretax return on assets | 0.3769% | 5,630 |
| Return on Equity (ROE) | 5.7289% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.7289% | 2,823 |
| Net charge-offs to loans | 0.5780% | 1,056 |
| Credit loss provision to net charge-offs | 166.6667% | 1,255 |
| Earnings coverage of net charge-offs (x) | 2.9922% | 2,878 |
| Efficiency ratio | 77.6378% | 2,669 |
| Assets per employee ($millions) | 3.5026% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9019% | 730 |
| Loan loss allowance to noncurrent loans | 56.1590% | 4,886 |
| Noncurrent assets plus other real estate owned to assets | 3.8924% | 1,048 |
| Noncurrent loans to loans | 5.1673% | 727 |
| Net loans and leases to total assets | 46.5915% | 5,374 |
| Net loans and leases to deposits | 56.3397% | 5,212 |
| Net loans and leases to core deposits | 58.2140% | 5,331 |
| Total domestic deposits to total assets | 82.6975% | 4,954 |
| Equity capital to assets | 6.6131% | 6,779 |
| Core capital (leverage) ratio | 6.4279% | 6,757 |
| Tier 1 risk-based capital ratio | 10.5748% | 6,556 |
| Total risk-based capital ratio | 11.8476% | 6,521 |
| Memoranda: | ||
| Average total assets | $1,276,708,500 | 518 |
| Average earning assets | $1,149,475,500 | 525 |
| Average equity | $83,995,500 | 860 |
| Average total loans | $622,787,000 | 672 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9875% | 5,348 |
| Cost of funding earning assets | 0.8843% | 2,040 |
| Net interest margin | 3.1032% | 5,805 |
| Noninterest income to average assets | 1.1315% | 1,217 |
| Noninterest expense to average assets | 2.9990% | 3,275 |
| Loan and lease loss provision to assets | 0.5903% | 937 |
| Net operating income to assets | 0.6062% | 4,210 |
| Return on assets (ROA) | 0.7090% | 3,951 |
| Pretax return on assets | 0.4277% | 5,488 |
| Return on Equity (ROE) | 11.3565% | 1,697 |
| Retained earnings to average equity (ytd only) | 11.3565% | 401 |
| Net charge-offs to loans | 1.6557% | 506 |
| Credit loss provision to net charge-offs | 67.3324% | 4,236 |
| Earnings coverage of net charge-offs (x) | 1.0440% | 4,949 |
| Efficiency ratio | 76.5326% | 2,658 |
| Assets per employee ($millions) | 3.5518% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7512% | 875 |
| Loan loss allowance to noncurrent loans | 55.1908% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 3.8369% | 1,143 |
| Noncurrent loans to loans | 4.9850% | 803 |
| Net loans and leases to total assets | 48.2241% | 5,389 |
| Net loans and leases to deposits | 58.2884% | 5,209 |
| Net loans and leases to core deposits | 60.4347% | 5,324 |
| Total domestic deposits to total assets | 82.7335% | 4,834 |
| Equity capital to assets | 6.5445% | 6,835 |
| Core capital (leverage) ratio | 6.3793% | 6,813 |
| Tier 1 risk-based capital ratio | 10.1920% | 6,652 |
| Total risk-based capital ratio | 11.4647% | 6,610 |
| Memoranda: | ||
| Average total assets | $1,245,210,000 | 530 |
| Average earning assets | $1,116,591,200 | 530 |
| Average equity | $77,743,800 | 905 |
| Average total loans | $659,279,000 | 625 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 5,258 |
| Cost of funding earning assets | 0.9212% | 2,039 |
| Net interest margin | 3.1602% | 5,796 |
| Noninterest income to average assets | 1.0931% | 1,258 |
| Noninterest expense to average assets | 3.0354% | 3,112 |
| Loan and lease loss provision to assets | 0.5217% | 1,152 |
| Net operating income to assets | 0.2454% | 5,793 |
| Return on assets (ROA) | 0.3333% | 5,702 |
| Pretax return on assets | 0.5018% | 5,462 |
| Return on Equity (ROE) | 5.4058% | 4,641 |
| Retained earnings to average equity (ytd only) | 5.4058% | 3,094 |
| Net charge-offs to loans | 1.3179% | 713 |
| Credit loss provision to net charge-offs | 73.5740% | 3,805 |
| Earnings coverage of net charge-offs (x) | 1.2555% | 4,654 |
| Efficiency ratio | 77.2270% | 2,493 |
| Assets per employee ($millions) | 3.5104% | 4,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9365% | 772 |
| Loan loss allowance to noncurrent loans | 42.9152% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 4.9489% | 909 |
| Noncurrent loans to loans | 6.8426% | 542 |
| Net loans and leases to total assets | 51.1544% | 5,164 |
| Net loans and leases to deposits | 61.9428% | 4,973 |
| Net loans and leases to core deposits | 64.2755% | 5,122 |
| Total domestic deposits to total assets | 82.5834% | 4,799 |
| Equity capital to assets | 6.3695% | 6,958 |
| Core capital (leverage) ratio | 6.2359% | 6,923 |
| Tier 1 risk-based capital ratio | 9.8752% | 6,825 |
| Total risk-based capital ratio | 11.1520% | 6,802 |
| Memoranda: | ||
| Average total assets | $1,239,518,250 | 533 |
| Average earning assets | $1,110,993,500 | 539 |
| Average equity | $76,434,000 | 922 |
| Average total loans | $666,906,500 | 623 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1416% | 5,163 |
| Cost of funding earning assets | 0.9557% | 2,031 |
| Net interest margin | 3.1859% | 5,779 |
| Noninterest income to average assets | 1.0651% | 1,263 |
| Noninterest expense to average assets | 3.0585% | 3,054 |
| Loan and lease loss provision to assets | 0.5319% | 1,175 |
| Net operating income to assets | 0.1461% | 6,055 |
| Return on assets (ROA) | 0.2637% | 5,913 |
| Pretax return on assets | 0.5134% | 5,403 |
| Return on Equity (ROE) | 4.3236% | 5,124 |
| Retained earnings to average equity (ytd only) | 4.3236% | 3,739 |
| Net charge-offs to loans | 1.3923% | 736 |
| Credit loss provision to net charge-offs | 70.5279% | 3,546 |
| Earnings coverage of net charge-offs (x) | 1.1423% | 4,444 |
| Efficiency ratio | 77.9194% | 2,465 |
| Assets per employee ($millions) | 3.5484% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9144% | 856 |
| Loan loss allowance to noncurrent loans | 48.5439% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 4.5128% | 1,101 |
| Noncurrent loans to loans | 6.0037% | 731 |
| Net loans and leases to total assets | 52.5668% | 5,020 |
| Net loans and leases to deposits | 63.7925% | 4,788 |
| Net loans and leases to core deposits | 66.5007% | 4,941 |
| Total domestic deposits to total assets | 82.4029% | 4,982 |
| Equity capital to assets | 6.1839% | 7,014 |
| Core capital (leverage) ratio | 6.1431% | 6,969 |
| Tier 1 risk-based capital ratio | 9.5793% | 6,916 |
| Total risk-based capital ratio | 10.8553% | 6,900 |
| Memoranda: | ||
| Average total assets | $1,240,804,330 | 536 |
| Average earning assets | $1,111,889,670 | 540 |
| Average equity | $75,677,000 | 924 |
| Average total loans | $672,136,000 | 618 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1986% | 5,111 |
| Cost of funding earning assets | 0.9928% | 2,023 |
| Net interest margin | 3.2058% | 5,770 |
| Noninterest income to average assets | 1.0645% | 1,271 |
| Noninterest expense to average assets | 3.1044% | 2,902 |
| Loan and lease loss provision to assets | 0.7236% | 712 |
| Net operating income to assets | 0.0991% | 6,238 |
| Return on assets (ROA) | 0.4210% | 5,353 |
| Pretax return on assets | 0.4615% | 5,554 |
| Return on Equity (ROE) | 6.9503% | 3,811 |
| Retained earnings to average equity (ytd only) | 6.9503% | 2,461 |
| Net charge-offs to loans | 1.5634% | 642 |
| Credit loss provision to net charge-offs | 85.4214% | 2,632 |
| Earnings coverage of net charge-offs (x) | 0.9814% | 3,839 |
| Efficiency ratio | 78.7629% | 2,385 |
| Assets per employee ($millions) | 3.5816% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0693% | 780 |
| Loan loss allowance to noncurrent loans | 45.0756% | 5,348 |
| Noncurrent assets plus other real estate owned to assets | 5.0068% | 1,041 |
| Noncurrent loans to loans | 6.8091% | 677 |
| Net loans and leases to total assets | 51.7463% | 5,055 |
| Net loans and leases to deposits | 62.4567% | 4,853 |
| Net loans and leases to core deposits | 65.4001% | 4,979 |
| Total domestic deposits to total assets | 82.8516% | 4,989 |
| Equity capital to assets | 6.0361% | 7,072 |
| Core capital (leverage) ratio | 6.0822% | 7,029 |
| Tier 1 risk-based capital ratio | 9.5308% | 6,962 |
| Total risk-based capital ratio | 10.8066% | 6,950 |
| Memoranda: | ||
| Average total assets | $1,243,785,000 | 536 |
| Average earning assets | $1,113,980,500 | 543 |
| Average equity | $75,335,000 | 924 |
| Average total loans | $673,902,000 | 619 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4617% | 5,213 |
| Cost of funding earning assets | 1.2985% | 1,494 |
| Net interest margin | 3.1632% | 6,185 |
| Noninterest income to average assets | 1.0888% | 1,119 |
| Noninterest expense to average assets | 3.1124% | 3,155 |
| Loan and lease loss provision to assets | 1.1053% | 818 |
| Net operating income to assets | -0.3553% | 6,384 |
| Return on assets (ROA) | -0.2685% | 6,373 |
| Pretax return on assets | -0.2284% | 6,303 |
| Return on Equity (ROE) | -4.5897% | 6,509 |
| Retained earnings to average equity (ytd only) | -4.5897% | 6,417 |
| Net charge-offs to loans | 1.9747% | 704 |
| Credit loss provision to net charge-offs | 97.4714% | 3,691 |
| Earnings coverage of net charge-offs (x) | 0.6967% | 5,286 |
| Efficiency ratio | 79.6010% | 2,361 |
| Assets per employee ($millions) | 3.5461% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0661% | 766 |
| Loan loss allowance to noncurrent loans | 40.8437% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 5.7142% | 883 |
| Noncurrent loans to loans | 7.5069% | 560 |
| Net loans and leases to total assets | 53.3003% | 5,129 |
| Net loans and leases to deposits | 64.5177% | 4,936 |
| Net loans and leases to core deposits | 67.7118% | 5,065 |
| Total domestic deposits to total assets | 82.6135% | 4,918 |
| Equity capital to assets | 6.0779% | 7,090 |
| Core capital (leverage) ratio | 6.0267% | 7,055 |
| Tier 1 risk-based capital ratio | 9.1452% | 7,017 |
| Total risk-based capital ratio | 10.4206% | 7,009 |
| Memoranda: | ||
| Average total assets | $1,248,539,800 | 525 |
| Average earning assets | $1,110,559,000 | 531 |
| Average equity | $73,032,800 | 926 |
| Average total loans | $716,958,200 | 576 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 5,168 |
| Cost of funding earning assets | 1.3736% | 1,349 |
| Net interest margin | 3.1557% | 6,269 |
| Noninterest income to average assets | 0.8795% | 1,721 |
| Noninterest expense to average assets | 2.9587% | 3,712 |
| Loan and lease loss provision to assets | 1.2041% | 648 |
| Net operating income to assets | -0.4805% | 6,630 |
| Return on assets (ROA) | -0.4111% | 6,641 |
| Pretax return on assets | -0.4111% | 6,574 |
| Return on Equity (ROE) | -7.0964% | 6,774 |
| Retained earnings to average equity (ytd only) | -7.0964% | 6,713 |
| Net charge-offs to loans | 1.9564% | 656 |
| Credit loss provision to net charge-offs | 106.0635% | 3,122 |
| Earnings coverage of net charge-offs (x) | 0.6374% | 5,148 |
| Efficiency ratio | 80.1783% | 2,233 |
| Assets per employee ($millions) | 3.5371% | 4,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1089% | 791 |
| Loan loss allowance to noncurrent loans | 37.9006% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 6.3563% | 823 |
| Noncurrent loans to loans | 8.2028% | 526 |
| Net loans and leases to total assets | 54.7412% | 5,048 |
| Net loans and leases to deposits | 66.1829% | 4,876 |
| Net loans and leases to core deposits | 70.5628% | 4,879 |
| Total domestic deposits to total assets | 82.7120% | 4,787 |
| Equity capital to assets | 5.9795% | 7,186 |
| Core capital (leverage) ratio | 5.9119% | 7,150 |
| Tier 1 risk-based capital ratio | 8.9268% | 7,122 |
| Total risk-based capital ratio | 10.2036% | 7,118 |
| Memoranda: | ||
| Average total assets | $1,251,274,500 | 532 |
| Average earning assets | $1,111,371,250 | 533 |
| Average equity | $72,486,000 | 938 |
| Average total loans | $726,070,250 | 575 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5447% | 5,192 |
| Cost of funding earning assets | 1.4274% | 1,297 |
| Net interest margin | 3.1173% | 6,372 |
| Noninterest income to average assets | 0.8465% | 1,817 |
| Noninterest expense to average assets | 2.9888% | 3,688 |
| Loan and lease loss provision to assets | 1.3723% | 537 |
| Net operating income to assets | -0.7465% | 6,841 |
| Return on assets (ROA) | -0.7312% | 6,844 |
| Pretax return on assets | -0.7312% | 6,791 |
| Return on Equity (ROE) | -12.7576% | 7,008 |
| Retained earnings to average equity (ytd only) | -12.7576% | 6,969 |
| Net charge-offs to loans | 1.9612% | 689 |
| Credit loss provision to net charge-offs | 119.5441% | 2,558 |
| Earnings coverage of net charge-offs (x) | 0.5452% | 4,895 |
| Efficiency ratio | 82.5049% | 2,028 |
| Assets per employee ($millions) | 3.5302% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1539% | 794 |
| Loan loss allowance to noncurrent loans | 33.9403% | 6,050 |
| Noncurrent assets plus other real estate owned to assets | 7.3722% | 667 |
| Noncurrent loans to loans | 9.2926% | 442 |
| Net loans and leases to total assets | 56.3997% | 4,924 |
| Net loans and leases to deposits | 68.2229% | 4,673 |
| Net loans and leases to core deposits | 73.5308% | 4,636 |
| Total domestic deposits to total assets | 82.6698% | 4,918 |
| Equity capital to assets | 5.8808% | 7,258 |
| Core capital (leverage) ratio | 5.8189% | 7,222 |
| Tier 1 risk-based capital ratio | 8.6734% | 7,203 |
| Total risk-based capital ratio | 9.9481% | 7,204 |
| Memoranda: | ||
| Average total assets | $1,253,345,670 | 532 |
| Average earning assets | $1,112,938,000 | 536 |
| Average equity | $71,831,670 | 941 |
| Average total loans | $733,617,000 | 579 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5585% | 5,134 |
| Cost of funding earning assets | 1.4352% | 1,454 |
| Net interest margin | 3.1233% | 6,283 |
| Noninterest income to average assets | 0.7459% | 2,275 |
| Noninterest expense to average assets | 2.9547% | 3,840 |
| Loan and lease loss provision to assets | 1.8196% | 315 |
| Net operating income to assets | -1.2532% | 7,120 |
| Return on assets (ROA) | -1.2320% | 7,116 |
| Pretax return on assets | -1.2320% | 7,072 |
| Return on Equity (ROE) | -21.7726% | 7,240 |
| Retained earnings to average equity (ytd only) | -21.7726% | 7,186 |
| Net charge-offs to loans | 1.9124% | 670 |
| Credit loss provision to net charge-offs | 162.1545% | 1,783 |
| Earnings coverage of net charge-offs (x) | 0.5048% | 4,240 |
| Efficiency ratio | 83.7153% | 1,989 |
| Assets per employee ($millions) | 3.6895% | 4,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2114% | 765 |
| Loan loss allowance to noncurrent loans | 35.5170% | 5,929 |
| Noncurrent assets plus other real estate owned to assets | 7.1914% | 726 |
| Noncurrent loans to loans | 9.0418% | 489 |
| Net loans and leases to total assets | 55.6315% | 5,055 |
| Net loans and leases to deposits | 67.5417% | 4,741 |
| Net loans and leases to core deposits | 73.0387% | 4,644 |
| Total domestic deposits to total assets | 82.3662% | 5,162 |
| Equity capital to assets | 5.5035% | 7,340 |
| Core capital (leverage) ratio | 5.7669% | 7,287 |
| Tier 1 risk-based capital ratio | 8.5788% | 7,257 |
| Total risk-based capital ratio | 9.8520% | 7,260 |
| Memoranda: | ||
| Average total assets | $1,264,005,500 | 526 |
| Average earning assets | $1,123,175,000 | 537 |
| Average equity | $71,521,000 | 943 |
| Average total loans | $741,681,500 | 578 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8954% | 5,056 |
| Cost of funding earning assets | 1.7095% | 1,556 |
| Net interest margin | 3.1859% | 6,303 |
| Noninterest income to average assets | 0.9540% | 1,657 |
| Noninterest expense to average assets | 3.0925% | 3,486 |
| Loan and lease loss provision to assets | 1.5661% | 929 |
| Net operating income to assets | -1.1351% | 6,755 |
| Return on assets (ROA) | -0.8861% | 6,649 |
| Pretax return on assets | -0.6429% | 6,425 |
| Return on Equity (ROE) | -14.2968% | 6,895 |
| Retained earnings to average equity (ytd only) | -14.2968% | 6,855 |
| Net charge-offs to loans | 2.9022% | 589 |
| Credit loss provision to net charge-offs | 87.8320% | 5,214 |
| Earnings coverage of net charge-offs (x) | 0.3781% | 5,730 |
| Efficiency ratio | 81.8862% | 2,181 |
| Assets per employee ($millions) | 3.6807% | 4,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8152% | 1,035 |
| Loan loss allowance to noncurrent loans | 31.4019% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 7.1166% | 757 |
| Noncurrent loans to loans | 8.9652% | 524 |
| Net loans and leases to total assets | 58.2008% | 4,995 |
| Net loans and leases to deposits | 70.9760% | 4,686 |
| Net loans and leases to core deposits | 77.0234% | 4,587 |
| Total domestic deposits to total assets | 82.0007% | 5,190 |
| Equity capital to assets | 5.8144% | 7,368 |
| Core capital (leverage) ratio | 6.1736% | 7,267 |
| Tier 1 risk-based capital ratio | 8.8823% | 7,264 |
| Total risk-based capital ratio | 10.1515% | 7,268 |
| Memoranda: | ||
| Average total assets | $1,309,014,800 | 517 |
| Average earning assets | $1,155,634,000 | 527 |
| Average equity | $81,130,000 | 810 |
| Average total loans | $804,225,400 | 544 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9888% | 4,873 |
| Cost of funding earning assets | 1.7839% | 1,487 |
| Net interest margin | 3.2048% | 6,327 |
| Noninterest income to average assets | 0.8993% | 1,798 |
| Noninterest expense to average assets | 3.1165% | 3,255 |
| Loan and lease loss provision to assets | 1.3533% | 1,006 |
| Net operating income to assets | -0.7453% | 6,762 |
| Return on assets (ROA) | -0.4155% | 6,576 |
| Pretax return on assets | -0.4155% | 6,506 |
| Return on Equity (ROE) | -6.6060% | 6,765 |
| Retained earnings to average equity (ytd only) | -6.6060% | 6,684 |
| Net charge-offs to loans | 2.7310% | 594 |
| Credit loss provision to net charge-offs | 80.1745% | 5,125 |
| Earnings coverage of net charge-offs (x) | 0.3602% | 5,669 |
| Efficiency ratio | 83.4498% | 1,898 |
| Assets per employee ($millions) | 3.5981% | 4,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6393% | 1,154 |
| Loan loss allowance to noncurrent loans | 32.2784% | 6,184 |
| Noncurrent assets plus other real estate owned to assets | 6.7317% | 832 |
| Noncurrent loans to loans | 8.1765% | 619 |
| Net loans and leases to total assets | 60.7708% | 4,767 |
| Net loans and leases to deposits | 74.7934% | 4,380 |
| Net loans and leases to core deposits | 81.3288% | 4,338 |
| Total domestic deposits to total assets | 81.2515% | 5,285 |
| Equity capital to assets | 6.5725% | 7,417 |
| Core capital (leverage) ratio | 6.4152% | 7,357 |
| Tier 1 risk-based capital ratio | 8.9933% | 7,366 |
| Total risk-based capital ratio | 10.2640% | 7,379 |
| Memoranda: | ||
| Average total assets | $1,321,566,250 | 507 |
| Average earning assets | $1,165,044,250 | 518 |
| Average equity | $83,114,500 | 797 |
| Average total loans | $816,816,750 | 536 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0369% | 4,759 |
| Cost of funding earning assets | 1.8961% | 1,255 |
| Net interest margin | 3.1408% | 6,487 |
| Noninterest income to average assets | 0.8627% | 1,829 |
| Noninterest expense to average assets | 3.1741% | 2,993 |
| Loan and lease loss provision to assets | 0.8865% | 1,642 |
| Net operating income to assets | -0.4287% | 6,595 |
| Return on assets (ROA) | 0.0311% | 6,132 |
| Pretax return on assets | 0.0311% | 6,101 |
| Return on Equity (ROE) | 0.5022% | 6,084 |
| Retained earnings to average equity (ytd only) | 0.5022% | 5,562 |
| Net charge-offs to loans | 1.4478% | 1,316 |
| Credit loss provision to net charge-offs | 99.3820% | 4,132 |
| Earnings coverage of net charge-offs (x) | 0.5133% | 5,214 |
| Efficiency ratio | 87.1595% | 1,589 |
| Assets per employee ($millions) | 3.5480% | 4,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9743% | 836 |
| Loan loss allowance to noncurrent loans | 36.8565% | 5,903 |
| Noncurrent assets plus other real estate owned to assets | 6.7387% | 805 |
| Noncurrent loans to loans | 8.0699% | 642 |
| Net loans and leases to total assets | 62.0518% | 4,674 |
| Net loans and leases to deposits | 76.5592% | 4,229 |
| Net loans and leases to core deposits | 84.4613% | 4,075 |
| Total domestic deposits to total assets | 81.0507% | 5,386 |
| Equity capital to assets | 6.7711% | 7,419 |
| Core capital (leverage) ratio | 6.4993% | 7,385 |
| Tier 1 risk-based capital ratio | 9.3428% | 7,322 |
| Total risk-based capital ratio | 10.6165% | 7,314 |
| Memoranda: | ||
| Average total assets | $1,342,310,000 | 493 |
| Average earning assets | $1,183,502,670 | 506 |
| Average equity | $83,229,330 | 785 |
| Average total loans | $827,071,000 | 532 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0118% | 4,965 |
| Cost of funding earning assets | 1.9343% | 1,310 |
| Net interest margin | 3.0775% | 6,650 |
| Noninterest income to average assets | 0.7856% | 2,090 |
| Noninterest expense to average assets | 2.8138% | 4,440 |
| Loan and lease loss provision to assets | 0.6368% | 1,991 |
| Net operating income to assets | 0.0562% | 6,142 |
| Return on assets (ROA) | 0.1415% | 6,012 |
| Pretax return on assets | 0.1415% | 6,038 |
| Return on Equity (ROE) | 2.3830% | 5,599 |
| Retained earnings to average equity (ytd only) | 2.3830% | 4,711 |
| Net charge-offs to loans | 1.0283% | 1,602 |
| Credit loss provision to net charge-offs | 102.2780% | 3,328 |
| Earnings coverage of net charge-offs (x) | 1.1130% | 4,098 |
| Efficiency ratio | 79.9917% | 2,566 |
| Assets per employee ($millions) | 3.9346% | 4,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9279% | 874 |
| Loan loss allowance to noncurrent loans | 39.0573% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 6.0042% | 1,002 |
| Noncurrent loans to loans | 7.4965% | 764 |
| Net loans and leases to total assets | 57.8837% | 5,458 |
| Net loans and leases to deposits | 77.6825% | 4,101 |
| Net loans and leases to core deposits | 86.1091% | 3,874 |
| Total domestic deposits to total assets | 74.5132% | 6,980 |
| Equity capital to assets | 6.0247% | 7,619 |
| Core capital (leverage) ratio | 6.1764% | 7,552 |
| Tier 1 risk-based capital ratio | 8.9604% | 7,486 |
| Total risk-based capital ratio | 10.2310% | 7,495 |
| Memoranda: | ||
| Average total assets | $1,381,926,500 | 499 |
| Average earning assets | $1,221,912,000 | 509 |
| Average equity | $82,082,000 | 805 |
| Average total loans | $836,712,500 | 547 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4444% | 4,469 |
| Cost of funding earning assets | 2.3000% | 1,657 |
| Net interest margin | 3.1444% | 6,245 |
| Noninterest income to average assets | 0.2943% | 6,010 |
| Noninterest expense to average assets | 2.6429% | 5,620 |
| Loan and lease loss provision to assets | 2.4618% | 810 |
| Net operating income to assets | -2.0136% | 7,098 |
| Return on assets (ROA) | -2.3104% | 7,206 |
| Pretax return on assets | -2.3036% | 7,067 |
| Return on Equity (ROE) | -31.7067% | 7,434 |
| Retained earnings to average equity (ytd only) | -31.7067% | 7,419 |
| Net charge-offs to loans | 3.3809% | 589 |
| Credit loss provision to net charge-offs | 118.1684% | 4,578 |
| Earnings coverage of net charge-offs (x) | 0.2184% | 5,911 |
| Efficiency ratio | 84.9565% | 2,235 |
| Assets per employee ($millions) | 3.8199% | 4,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8312% | 903 |
| Loan loss allowance to noncurrent loans | 42.2469% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 5.5049% | 1,067 |
| Noncurrent loans to loans | 6.7017% | 885 |
| Net loans and leases to total assets | 59.7227% | 5,376 |
| Net loans and leases to deposits | 80.0216% | 3,983 |
| Net loans and leases to core deposits | 90.3087% | 5,087 |
| Total domestic deposits to total assets | 74.6332% | 6,925 |
| Equity capital to assets | 5.8548% | 7,683 |
| Core capital (leverage) ratio | 6.2126% | 7,584 |
| Tier 1 risk-based capital ratio | 8.8676% | 7,517 |
| Total risk-based capital ratio | 10.1359% | 7,534 |
| Memoranda: | ||
| Average total assets | $1,462,354,600 | 465 |
| Average earning assets | $1,303,871,800 | 474 |
| Average equity | $106,558,000 | 614 |
| Average total loans | $901,085,800 | 528 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4845% | 4,499 |
| Cost of funding earning assets | 2.3742% | 1,727 |
| Net interest margin | 3.1103% | 6,287 |
| Noninterest income to average assets | 0.2585% | 6,384 |
| Noninterest expense to average assets | 2.6774% | 5,421 |
| Loan and lease loss provision to assets | 1.7091% | 1,086 |
| Net operating income to assets | -0.7831% | 6,676 |
| Return on assets (ROA) | -0.8004% | 6,694 |
| Pretax return on assets | -1.3753% | 6,899 |
| Return on Equity (ROE) | -10.5028% | 6,928 |
| Retained earnings to average equity (ytd only) | -10.5028% | 6,852 |
| Net charge-offs to loans | 2.7654% | 641 |
| Credit loss provision to net charge-offs | 100.2374% | 5,067 |
| Earnings coverage of net charge-offs (x) | 0.2116% | 5,812 |
| Efficiency ratio | 87.7369% | 1,898 |
| Assets per employee ($millions) | 3.8967% | 3,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1117% | 1,580 |
| Loan loss allowance to noncurrent loans | 29.8477% | 6,467 |
| Noncurrent assets plus other real estate owned to assets | 5.6627% | 987 |
| Noncurrent loans to loans | 7.0751% | 761 |
| Net loans and leases to total assets | 59.7145% | 5,623 |
| Net loans and leases to deposits | 82.1571% | 3,992 |
| Net loans and leases to core deposits | 92.6177% | 5,176 |
| Total domestic deposits to total assets | 72.6833% | 7,124 |
| Equity capital to assets | 7.5329% | 7,274 |
| Core capital (leverage) ratio | 7.0598% | 7,393 |
| Tier 1 risk-based capital ratio | 9.8195% | 7,120 |
| Total risk-based capital ratio | 11.0809% | 7,076 |
| Memoranda: | ||
| Average total assets | $1,482,242,500 | 474 |
| Average earning assets | $1,324,676,250 | 478 |
| Average equity | $112,957,500 | 591 |
| Average total loans | $913,879,750 | 532 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5077% | 4,582 |
| Cost of funding earning assets | 2.4604% | 1,745 |
| Net interest margin | 3.0473% | 6,413 |
| Noninterest income to average assets | 0.1407% | 7,250 |
| Noninterest expense to average assets | 2.7203% | 5,305 |
| Loan and lease loss provision to assets | 1.6313% | 1,027 |
| Net operating income to assets | -0.8728% | 6,883 |
| Return on assets (ROA) | -0.8825% | 6,900 |
| Pretax return on assets | -1.4996% | 7,088 |
| Return on Equity (ROE) | -11.5377% | 7,141 |
| Retained earnings to average equity (ytd only) | -11.5377% | 7,014 |
| Net charge-offs to loans | 1.4812% | 1,279 |
| Credit loss provision to net charge-offs | 178.0242% | 2,575 |
| Earnings coverage of net charge-offs (x) | 0.1602% | 5,510 |
| Efficiency ratio | 94.4268% | 1,470 |
| Assets per employee ($millions) | 3.8937% | 3,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6226% | 803 |
| Loan loss allowance to noncurrent loans | 38.3639% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 5.5044% | 918 |
| Noncurrent loans to loans | 6.8361% | 732 |
| Net loans and leases to total assets | 61.5326% | 5,432 |
| Net loans and leases to deposits | 85.2475% | 3,693 |
| Net loans and leases to core deposits | 97.4427% | 4,743 |
| Total domestic deposits to total assets | 72.1811% | 7,221 |
| Equity capital to assets | 7.5574% | 7,217 |
| Core capital (leverage) ratio | 7.8334% | 6,574 |
| Tier 1 risk-based capital ratio | 10.5696% | 6,318 |
| Total risk-based capital ratio | 11.8347% | 6,247 |
| Memoranda: | ||
| Average total assets | $1,495,736,330 | 480 |
| Average earning assets | $1,338,234,670 | 488 |
| Average equity | $114,407,670 | 590 |
| Average total loans | $925,335,330 | 542 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5629% | 4,562 |
| Cost of funding earning assets | 2.5720% | 1,651 |
| Net interest margin | 2.9909% | 6,503 |
| Noninterest income to average assets | 0.4312% | 4,953 |
| Noninterest expense to average assets | 2.6349% | 5,300 |
| Loan and lease loss provision to assets | 1.1029% | 1,182 |
| Net operating income to assets | -0.3129% | 6,694 |
| Return on assets (ROA) | -0.3403% | 6,804 |
| Pretax return on assets | -0.6686% | 6,948 |
| Return on Equity (ROE) | -4.4242% | 6,929 |
| Retained earnings to average equity (ytd only) | -4.4242% | 6,477 |
| Net charge-offs to loans | 0.4181% | 2,439 |
| Credit loss provision to net charge-offs | 430.7692% | 1,223 |
| Earnings coverage of net charge-offs (x) | 1.8636% | 3,799 |
| Efficiency ratio | 84.2292% | 2,278 |
| Assets per employee ($millions) | 3.8772% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3544% | 895 |
| Loan loss allowance to noncurrent loans | 42.3837% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 4.8516% | 952 |
| Noncurrent loans to loans | 5.5550% | 917 |
| Net loans and leases to total assets | 60.7528% | 5,542 |
| Net loans and leases to deposits | 84.5116% | 3,893 |
| Net loans and leases to core deposits | 95.9870% | 4,967 |
| Total domestic deposits to total assets | 71.8869% | 7,222 |
| Equity capital to assets | 7.7301% | 7,151 |
| Core capital (leverage) ratio | 7.8732% | 6,661 |
| Tier 1 risk-based capital ratio | 11.3911% | 5,515 |
| Total risk-based capital ratio | 12.6546% | 5,407 |
| Memoranda: | ||
| Average total assets | $1,523,269,500 | 478 |
| Average earning assets | $1,365,329,500 | 486 |
| Average equity | $117,173,000 | 576 |
| Average total loans | $932,825,000 | 543 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0993% | 5,048 |
| Cost of funding earning assets | 3.0548% | 1,662 |
| Net interest margin | 3.0445% | 6,802 |
| Noninterest income to average assets | 0.8318% | 2,339 |
| Noninterest expense to average assets | 2.3819% | 6,460 |
| Loan and lease loss provision to assets | 1.1660% | 1,245 |
| Net operating income to assets | 0.1031% | 6,105 |
| Return on assets (ROA) | 0.1305% | 5,865 |
| Pretax return on assets | 0.0559% | 6,036 |
| Return on Equity (ROE) | 1.6454% | 5,722 |
| Retained earnings to average equity (ytd only) | -5.7893% | 6,639 |
| Net charge-offs to loans | 2.0070% | 536 |
| Credit loss provision to net charge-offs | 91.3984% | 5,647 |
| Earnings coverage of net charge-offs (x) | 0.9364% | 5,664 |
| Efficiency ratio | 66.4252% | 5,035 |
| Assets per employee ($millions) | 4.0666% | 3,379 |
| Cash dividends to net income (ytd only)* | 451.8371% | 110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9674% | 1,290 |
| Loan loss allowance to noncurrent loans | 38.6282% | 6,144 |
| Noncurrent assets plus other real estate owned to assets | 4.1703% | 957 |
| Noncurrent loans to loans | 5.0933% | 852 |
| Net loans and leases to total assets | 59.1205% | 6,039 |
| Net loans and leases to deposits | 81.1156% | 4,854 |
| Net loans and leases to core deposits | 91.8716% | 5,653 |
| Total domestic deposits to total assets | 72.8843% | 6,850 |
| Equity capital to assets | 7.6561% | 7,249 |
| Core capital (leverage) ratio | 7.7328% | 6,879 |
| Tier 1 risk-based capital ratio | 11.3568% | 5,377 |
| Total risk-based capital ratio | 12.6155% | 5,269 |
| Memoranda: | ||
| Average total assets | $1,543,707,200 | 454 |
| Average earning assets | $1,391,706,400 | 459 |
| Average equity | $122,399,000 | 554 |
| Average total loans | $981,253,800 | 502 |