Home > OmniAmerican Bank > Performance and Condition Ratios
OmniAmerican Bank, Performance and Condition Ratios
| 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 | 3.7817% | 4,611 |
| Cost of funding earning assets | 0.5557% | 2,235 |
| Net interest margin | 3.2260% | 4,874 |
| Noninterest income to average assets | 0.9004% | 1,519 |
| Noninterest expense to average assets | 2.8851% | 3,177 |
| Loan and lease loss provision to assets | 0.1866% | 1,305 |
| Net operating income to assets | 0.5274% | 4,767 |
| Return on assets (ROA) | 0.5686% | 4,670 |
| Pretax return on assets | 0.8125% | 4,323 |
| Return on Equity (ROE) | 3.9969% | 5,174 |
| Retained earnings to average equity (ytd only) | 3.9969% | 3,809 |
| Net charge-offs to loans | 0.3532% | 1,139 |
| Credit loss provision to net charge-offs | 90.7163% | 2,417 |
| Earnings coverage of net charge-offs (x) | 4.5707% | 3,423 |
| Efficiency ratio | 75.4201% | 2,590 |
| Assets per employee ($millions) | 4.8667% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8051% | 5,859 |
| Loan loss allowance to noncurrent loans | 244.5401% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 5,203 |
| Noncurrent loans to loans | 0.3292% | 4,921 |
| Net loans and leases to total assets | 57.5176% | 4,133 |
| Net loans and leases to deposits | 94.5084% | 992 |
| Net loans and leases to core deposits | 98.6419% | 1,477 |
| Total domestic deposits to total assets | 60.8598% | 6,479 |
| Equity capital to assets | 14.9743% | 737 |
| Core capital (leverage) ratio | 14.7626% | 663 |
| Tier 1 risk-based capital ratio | 22.9779% | 1,114 |
| Total risk-based capital ratio | 23.7726% | 1,166 |
| Memoranda: | ||
| Average total assets | $1,375,319,000 | 504 |
| Average earning assets | $1,246,972,500 | 502 |
| Average equity | $195,644,750 | 409 |
| Average total loans | $800,949,500 | 548 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7629% | 4,648 |
| Cost of funding earning assets | 0.5576% | 2,286 |
| Net interest margin | 3.2052% | 4,929 |
| Noninterest income to average assets | 0.8796% | 1,558 |
| Noninterest expense to average assets | 2.8977% | 3,169 |
| Loan and lease loss provision to assets | 0.1982% | 1,228 |
| Net operating income to assets | 0.4657% | 4,951 |
| Return on assets (ROA) | 0.5243% | 4,807 |
| Pretax return on assets | 0.7782% | 4,352 |
| Return on Equity (ROE) | 3.7494% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.7494% | 3,804 |
| Net charge-offs to loans | 0.3539% | 1,161 |
| Credit loss provision to net charge-offs | 96.0196% | 2,079 |
| Earnings coverage of net charge-offs (x) | 4.3066% | 3,134 |
| Efficiency ratio | 76.5263% | 2,535 |
| Assets per employee ($millions) | 4.9262% | 2,306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8072% | 5,958 |
| Loan loss allowance to noncurrent loans | 170.4831% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.3286% | 5,065 |
| Noncurrent loans to loans | 0.4735% | 4,582 |
| Net loans and leases to total assets | 56.9083% | 4,132 |
| Net loans and leases to deposits | 93.7474% | 981 |
| Net loans and leases to core deposits | 97.1094% | 1,515 |
| Total domestic deposits to total assets | 60.7039% | 6,551 |
| Equity capital to assets | 14.4170% | 842 |
| Core capital (leverage) ratio | 14.1197% | 799 |
| Tier 1 risk-based capital ratio | 22.0047% | 1,256 |
| Total risk-based capital ratio | 22.7948% | 1,316 |
| Memoranda: | ||
| Average total assets | $1,387,645,330 | 501 |
| Average earning assets | $1,258,507,000 | 498 |
| Average equity | $194,057,330 | 408 |
| Average total loans | $809,256,330 | 540 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7884% | 4,534 |
| Cost of funding earning assets | 0.5675% | 2,265 |
| Net interest margin | 3.2210% | 4,856 |
| Noninterest income to average assets | 0.8266% | 1,649 |
| Noninterest expense to average assets | 2.8475% | 3,393 |
| Loan and lease loss provision to assets | 0.1868% | 1,279 |
| Net operating income to assets | 0.4848% | 4,764 |
| Return on assets (ROA) | 0.5354% | 4,601 |
| Pretax return on assets | 0.7883% | 4,155 |
| Return on Equity (ROE) | 3.8882% | 5,093 |
| Retained earnings to average equity (ytd only) | 3.8882% | 3,786 |
| Net charge-offs to loans | 0.3065% | 1,148 |
| Credit loss provision to net charge-offs | 103.6683% | 1,606 |
| Earnings coverage of net charge-offs (x) | 4.9984% | 2,450 |
| Efficiency ratio | 75.9699% | 2,810 |
| Assets per employee ($millions) | 4.9193% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8049% | 6,094 |
| Loan loss allowance to noncurrent loans | 195.7035% | 2,130 |
| Noncurrent assets plus other real estate owned to assets | 0.3117% | 5,220 |
| Noncurrent loans to loans | 0.4113% | 4,899 |
| Net loans and leases to total assets | 57.2576% | 3,958 |
| Net loans and leases to deposits | 94.2087% | 771 |
| Net loans and leases to core deposits | 97.4812% | 1,277 |
| Total domestic deposits to total assets | 60.7774% | 6,635 |
| Equity capital to assets | 13.9071% | 947 |
| Core capital (leverage) ratio | 13.7802% | 896 |
| Tier 1 risk-based capital ratio | 21.5726% | 1,362 |
| Total risk-based capital ratio | 22.3545% | 1,434 |
| Memoranda: | ||
| Average total assets | $1,391,804,500 | 493 |
| Average earning assets | $1,262,475,000 | 495 |
| Average equity | $191,657,500 | 412 |
| Average total loans | $818,214,500 | 528 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 3,952 |
| Cost of funding earning assets | 0.6558% | 2,162 |
| Net interest margin | 3.3844% | 4,343 |
| Noninterest income to average assets | 1.0082% | 1,381 |
| Noninterest expense to average assets | 3.1518% | 2,585 |
| Loan and lease loss provision to assets | 0.1682% | 2,176 |
| Net operating income to assets | 0.4916% | 4,767 |
| Return on assets (ROA) | 0.5755% | 4,493 |
| Pretax return on assets | 0.8731% | 3,879 |
| Return on Equity (ROE) | 4.0997% | 5,063 |
| Retained earnings to average equity (ytd only) | 4.0997% | 3,262 |
| Net charge-offs to loans | 0.3371% | 1,992 |
| Credit loss provision to net charge-offs | 83.1793% | 2,948 |
| Earnings coverage of net charge-offs (x) | 4.5213% | 3,544 |
| Efficiency ratio | 77.5180% | 2,539 |
| Assets per employee ($millions) | 4.9517% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 6,223 |
| Loan loss allowance to noncurrent loans | 150.7250% | 2,661 |
| Noncurrent assets plus other real estate owned to assets | 0.3200% | 5,298 |
| Noncurrent loans to loans | 0.5134% | 4,708 |
| Net loans and leases to total assets | 59.3912% | 3,811 |
| Net loans and leases to deposits | 100.1266% | 479 |
| Net loans and leases to core deposits | 103.5787% | 937 |
| Total domestic deposits to total assets | 59.3161% | 6,715 |
| Equity capital to assets | 13.6337% | 1,021 |
| Core capital (leverage) ratio | 13.6038% | 926 |
| Tier 1 risk-based capital ratio | 20.7489% | 1,476 |
| Total risk-based capital ratio | 21.5046% | 1,564 |
| Memoranda: | ||
| Average total assets | $1,337,941,400 | 497 |
| Average earning assets | $1,208,770,400 | 493 |
| Average equity | $187,818,800 | 408 |
| Average total loans | $802,503,800 | 519 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0497% | 3,938 |
| Cost of funding earning assets | 0.6775% | 2,114 |
| Net interest margin | 3.3722% | 4,392 |
| Noninterest income to average assets | 1.0420% | 1,340 |
| Noninterest expense to average assets | 3.1992% | 2,370 |
| Loan and lease loss provision to assets | 0.1812% | 2,007 |
| Net operating income to assets | 0.4616% | 4,968 |
| Return on assets (ROA) | 0.5746% | 4,584 |
| Pretax return on assets | 0.8767% | 3,981 |
| Return on Equity (ROE) | 4.0622% | 5,195 |
| Retained earnings to average equity (ytd only) | 4.0622% | 3,801 |
| Net charge-offs to loans | 0.3371% | 1,865 |
| Credit loss provision to net charge-offs | 89.5522% | 2,648 |
| Earnings coverage of net charge-offs (x) | 4.3826% | 3,454 |
| Efficiency ratio | 78.2981% | 2,372 |
| Assets per employee ($millions) | 4.7181% | 2,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7684% | 6,334 |
| Loan loss allowance to noncurrent loans | 112.7022% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 5,008 |
| Noncurrent loans to loans | 0.6818% | 4,496 |
| Net loans and leases to total assets | 59.6494% | 3,752 |
| Net loans and leases to deposits | 105.6744% | 247 |
| Net loans and leases to core deposits | 108.8112% | 629 |
| Total domestic deposits to total assets | 56.4464% | 6,811 |
| Equity capital to assets | 13.0272% | 1,319 |
| Core capital (leverage) ratio | 12.9064% | 1,239 |
| Tier 1 risk-based capital ratio | 19.6771% | 1,819 |
| Total risk-based capital ratio | 20.4305% | 1,899 |
| Memoranda: | ||
| Average total assets | $1,324,568,500 | 502 |
| Average earning assets | $1,195,576,500 | 499 |
| Average equity | $187,347,500 | 409 |
| Average total loans | $794,921,250 | 524 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9327% | 4,344 |
| Cost of funding earning assets | 0.7234% | 1,900 |
| Net interest margin | 3.2093% | 4,916 |
| Noninterest income to average assets | 1.0941% | 1,275 |
| Noninterest expense to average assets | 3.2280% | 2,279 |
| Loan and lease loss provision to assets | 0.2494% | 1,496 |
| Net operating income to assets | 0.3276% | 5,497 |
| Return on assets (ROA) | 0.5000% | 4,972 |
| Pretax return on assets | 0.7694% | 4,428 |
| Return on Equity (ROE) | 3.4329% | 5,458 |
| Retained earnings to average equity (ytd only) | 3.4329% | 4,136 |
| Net charge-offs to loans | 0.3685% | 1,733 |
| Credit loss provision to net charge-offs | 112.8350% | 1,959 |
| Earnings coverage of net charge-offs (x) | 3.4097% | 3,393 |
| Efficiency ratio | 81.0741% | 2,018 |
| Assets per employee ($millions) | 4.2858% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8760% | 6,205 |
| Loan loss allowance to noncurrent loans | 78.4101% | 4,092 |
| Noncurrent assets plus other real estate owned to assets | 1.0077% | 3,742 |
| Noncurrent loans to loans | 1.1172% | 3,695 |
| Net loans and leases to total assets | 60.9084% | 3,500 |
| Net loans and leases to deposits | 96.1445% | 658 |
| Net loans and leases to core deposits | 98.8952% | 1,149 |
| Total domestic deposits to total assets | 63.3509% | 6,807 |
| Equity capital to assets | 14.0352% | 962 |
| Core capital (leverage) ratio | 13.9361% | 839 |
| Tier 1 risk-based capital ratio | 20.9975% | 1,492 |
| Total risk-based capital ratio | 21.8441% | 1,558 |
| Memoranda: | ||
| Average total assets | $1,283,273,000 | 513 |
| Average earning assets | $1,154,572,000 | 519 |
| Average equity | $186,899,000 | 409 |
| Average total loans | $769,666,670 | 540 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9291% | 4,371 |
| Cost of funding earning assets | 0.7556% | 1,800 |
| Net interest margin | 3.1735% | 5,020 |
| Noninterest income to average assets | 1.2296% | 1,011 |
| Noninterest expense to average assets | 3.3742% | 1,888 |
| Loan and lease loss provision to assets | 0.1578% | 2,291 |
| Net operating income to assets | 0.3557% | 5,329 |
| Return on assets (ROA) | 0.6996% | 3,829 |
| Pretax return on assets | 1.0882% | 3,003 |
| Return on Equity (ROE) | 4.7145% | 4,729 |
| Retained earnings to average equity (ytd only) | 4.7145% | 3,409 |
| Net charge-offs to loans | 0.2548% | 1,938 |
| Credit loss provision to net charge-offs | 104.6025% | 1,764 |
| Earnings coverage of net charge-offs (x) | 4.6967% | 2,497 |
| Efficiency ratio | 82.6413% | 1,940 |
| Assets per employee ($millions) | 4.0273% | 3,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 6,201 |
| Loan loss allowance to noncurrent loans | 82.4931% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 3,904 |
| Noncurrent loans to loans | 1.1195% | 3,911 |
| Net loans and leases to total assets | 58.1677% | 3,764 |
| Net loans and leases to deposits | 88.4603% | 1,100 |
| Net loans and leases to core deposits | 90.9238% | 1,616 |
| Total domestic deposits to total assets | 65.7557% | 6,848 |
| Equity capital to assets | 14.7519% | 814 |
| Core capital (leverage) ratio | 14.2412% | 734 |
| Tier 1 risk-based capital ratio | 22.1516% | 1,301 |
| Total risk-based capital ratio | 23.0429% | 1,345 |
| Memoranda: | ||
| Average total assets | $1,267,035,000 | 522 |
| Average earning assets | $1,139,185,000 | 528 |
| Average equity | $188,014,500 | 415 |
| Average total loans | $750,258,000 | 557 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2289% | 4,481 |
| Cost of funding earning assets | 0.9331% | 1,744 |
| Net interest margin | 3.2958% | 5,261 |
| Noninterest income to average assets | 0.9995% | 1,533 |
| Noninterest expense to average assets | 3.1302% | 2,847 |
| Loan and lease loss provision to assets | 0.1481% | 3,755 |
| Net operating income to assets | 0.4705% | 4,802 |
| Return on assets (ROA) | 0.5136% | 4,894 |
| Pretax return on assets | 0.7738% | 4,396 |
| Return on Equity (ROE) | 3.6762% | 5,284 |
| Retained earnings to average equity (ytd only) | 3.6762% | 3,634 |
| Net charge-offs to loans | 0.4038% | 2,638 |
| Credit loss provision to net charge-offs | 65.9229% | 4,290 |
| Earnings coverage of net charge-offs (x) | 3.8134% | 3,593 |
| Efficiency ratio | 78.5147% | 2,360 |
| Assets per employee ($millions) | 3.7874% | 4,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9188% | 6,224 |
| Loan loss allowance to noncurrent loans | 87.8086% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0042% | 4,027 |
| Noncurrent loans to loans | 1.0463% | 4,123 |
| Net loans and leases to total assets | 59.1764% | 3,760 |
| Net loans and leases to deposits | 89.8825% | 1,085 |
| Net loans and leases to core deposits | 92.1743% | 1,623 |
| Total domestic deposits to total assets | 65.8375% | 6,903 |
| Equity capital to assets | 14.9273% | 757 |
| Core capital (leverage) ratio | 14.2439% | 732 |
| Tier 1 risk-based capital ratio | 22.3185% | 1,210 |
| Total risk-based capital ratio | 23.2308% | 1,240 |
| Memoranda: | ||
| Average total assets | $1,316,883,200 | 506 |
| Average earning assets | $1,193,607,400 | 503 |
| Average equity | $183,969,600 | 400 |
| Average total loans | $732,498,600 | 564 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 4,553 |
| Cost of funding earning assets | 0.9736% | 1,716 |
| Net interest margin | 3.3019% | 5,390 |
| Noninterest income to average assets | 0.9340% | 1,722 |
| Noninterest expense to average assets | 3.0362% | 3,108 |
| Loan and lease loss provision to assets | 0.1952% | 3,136 |
| Net operating income to assets | 0.4723% | 4,947 |
| Return on assets (ROA) | 0.5300% | 4,979 |
| Pretax return on assets | 0.7875% | 4,544 |
| Return on Equity (ROE) | 3.8563% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.8563% | 4,181 |
| Net charge-offs to loans | 0.4664% | 2,240 |
| Credit loss provision to net charge-offs | 76.5907% | 3,718 |
| Earnings coverage of net charge-offs (x) | 3.5177% | 3,611 |
| Efficiency ratio | 77.2013% | 2,495 |
| Assets per employee ($millions) | 3.9328% | 4,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9842% | 6,143 |
| Loan loss allowance to noncurrent loans | 87.4432% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.0892% | 4,113 |
| Noncurrent loans to loans | 1.1255% | 4,174 |
| Net loans and leases to total assets | 57.3789% | 4,223 |
| Net loans and leases to deposits | 89.8445% | 1,163 |
| Net loans and leases to core deposits | 91.9652% | 1,783 |
| Total domestic deposits to total assets | 63.8647% | 7,019 |
| Equity capital to assets | 14.5686% | 946 |
| Core capital (leverage) ratio | 13.7939% | 905 |
| Tier 1 risk-based capital ratio | 22.2209% | 1,292 |
| Total risk-based capital ratio | 23.1935% | 1,312 |
| Memoranda: | ||
| Average total assets | $1,331,747,250 | 503 |
| Average earning assets | $1,209,526,500 | 498 |
| Average equity | $183,037,000 | 403 |
| Average total loans | $727,873,250 | 566 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2669% | 4,697 |
| Cost of funding earning assets | 1.0180% | 1,662 |
| Net interest margin | 3.2490% | 5,595 |
| Noninterest income to average assets | 0.8345% | 2,027 |
| Noninterest expense to average assets | 3.0007% | 3,252 |
| Loan and lease loss provision to assets | 0.2077% | 2,999 |
| Net operating income to assets | 0.3951% | 5,226 |
| Return on assets (ROA) | 0.4050% | 5,433 |
| Pretax return on assets | 0.5978% | 5,140 |
| Return on Equity (ROE) | 3.0035% | 5,693 |
| Retained earnings to average equity (ytd only) | 3.0035% | 4,644 |
| Net charge-offs to loans | 0.5954% | 1,824 |
| Credit loss provision to net charge-offs | 65.0558% | 3,689 |
| Earnings coverage of net charge-offs (x) | 2.4777% | 3,766 |
| Efficiency ratio | 79.1401% | 2,305 |
| Assets per employee ($millions) | 4.1088% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9476% | 6,336 |
| Loan loss allowance to noncurrent loans | 80.6492% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.1437% | 4,104 |
| Noncurrent loans to loans | 1.1749% | 4,189 |
| Net loans and leases to total assets | 55.6747% | 4,520 |
| Net loans and leases to deposits | 90.5730% | 1,087 |
| Net loans and leases to core deposits | 92.5199% | 1,730 |
| Total domestic deposits to total assets | 61.4694% | 7,115 |
| Equity capital to assets | 13.6884% | 1,219 |
| Core capital (leverage) ratio | 12.9994% | 1,152 |
| Tier 1 risk-based capital ratio | 21.3887% | 1,409 |
| Total risk-based capital ratio | 22.3211% | 1,441 |
| Memoranda: | ||
| Average total assets | $1,348,299,330 | 500 |
| Average earning assets | $1,227,157,670 | 496 |
| Average equity | $181,788,330 | 408 |
| Average total loans | $722,843,670 | 571 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2736% | 4,834 |
| Cost of funding earning assets | 1.0229% | 1,854 |
| Net interest margin | 3.2507% | 5,626 |
| Noninterest income to average assets | 0.9865% | 1,460 |
| Noninterest expense to average assets | 3.0892% | 2,951 |
| Loan and lease loss provision to assets | 0.4146% | 1,522 |
| Net operating income to assets | 0.3027% | 5,648 |
| Return on assets (ROA) | 0.3027% | 5,815 |
| Pretax return on assets | 0.4475% | 5,589 |
| Return on Equity (ROE) | 2.2620% | 5,985 |
| Retained earnings to average equity (ytd only) | 2.2620% | 5,126 |
| Net charge-offs to loans | 0.8915% | 1,154 |
| Credit loss provision to net charge-offs | 88.8889% | 2,565 |
| Earnings coverage of net charge-offs (x) | 1.8483% | 3,414 |
| Efficiency ratio | 78.1817% | 2,469 |
| Assets per employee ($millions) | 4.2935% | 3,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0749% | 5,986 |
| Loan loss allowance to noncurrent loans | 75.5102% | 3,831 |
| Noncurrent assets plus other real estate owned to assets | 1.2540% | 4,043 |
| Noncurrent loans to loans | 1.4235% | 3,976 |
| Net loans and leases to total assets | 52.1279% | 5,004 |
| Net loans and leases to deposits | 84.3505% | 1,623 |
| Net loans and leases to core deposits | 86.1673% | 2,274 |
| Total domestic deposits to total assets | 61.7991% | 7,172 |
| Equity capital to assets | 13.2993% | 1,321 |
| Core capital (leverage) ratio | 12.5791% | 1,305 |
| Tier 1 risk-based capital ratio | 21.8200% | 1,316 |
| Total risk-based capital ratio | 22.8557% | 1,337 |
| Memoranda: | ||
| Average total assets | $1,350,660,000 | 492 |
| Average earning assets | $1,231,846,000 | 492 |
| Average equity | $180,725,500 | 408 |
| Average total loans | $706,671,000 | 581 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6326% | 4,537 |
| Cost of funding earning assets | 1.1455% | 2,374 |
| Net interest margin | 3.4872% | 5,196 |
| Noninterest income to average assets | 0.7298% | 2,445 |
| Noninterest expense to average assets | 3.1500% | 3,029 |
| Loan and lease loss provision to assets | 0.2510% | 3,690 |
| Net operating income to assets | 0.3351% | 5,125 |
| Return on assets (ROA) | 0.3773% | 5,136 |
| Pretax return on assets | 0.5562% | 4,815 |
| Return on Equity (ROE) | 2.7499% | 5,389 |
| Retained earnings to average equity (ytd only) | 1.6169% | 5,063 |
| Net charge-offs to loans | 0.2890% | 3,965 |
| Credit loss provision to net charge-offs | 165.9815% | 1,631 |
| Earnings coverage of net charge-offs (x) | 4.9275% | 2,941 |
| Efficiency ratio | 80.8668% | 2,178 |
| Assets per employee ($millions) | 4.0982% | 3,649 |
| Cash dividends to net income (ytd only)* | 41.2031% | 2,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,669 |
| Loan loss allowance to noncurrent loans | 82.0758% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 1.2214% | 4,192 |
| Noncurrent loans to loans | 1.3885% | 4,062 |
| Net loans and leases to total assets | 51.3464% | 5,414 |
| Net loans and leases to deposits | 83.7875% | 1,952 |
| Net loans and leases to core deposits | 85.6363% | 2,678 |
| Total domestic deposits to total assets | 61.2817% | 7,215 |
| Equity capital to assets | 13.4635% | 1,287 |
| Core capital (leverage) ratio | 12.7913% | 1,226 |
| Tier 1 risk-based capital ratio | 21.5264% | 1,316 |
| Total risk-based capital ratio | 22.5302% | 1,340 |
| Memoranda: | ||
| Average total assets | $1,286,608,600 | 504 |
| Average earning assets | $1,167,909,400 | 504 |
| Average equity | $176,515,800 | 400 |
| Average total loans | $673,338,800 | 612 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 4,346 |
| Cost of funding earning assets | 1.1656% | 2,528 |
| Net interest margin | 3.5571% | 4,950 |
| Noninterest income to average assets | 0.6915% | 2,655 |
| Noninterest expense to average assets | 3.2377% | 2,709 |
| Loan and lease loss provision to assets | 0.1622% | 4,441 |
| Net operating income to assets | 0.3603% | 5,160 |
| Return on assets (ROA) | 0.3611% | 5,345 |
| Pretax return on assets | 0.5162% | 5,111 |
| Return on Equity (ROE) | 2.6191% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.6191% | 4,794 |
| Net charge-offs to loans | 0.3508% | 3,340 |
| Credit loss provision to net charge-offs | 88.1684% | 3,842 |
| Earnings coverage of net charge-offs (x) | 3.6815% | 3,338 |
| Efficiency ratio | 82.7021% | 1,881 |
| Assets per employee ($millions) | 4.0445% | 3,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9533% | 6,445 |
| Loan loss allowance to noncurrent loans | 62.0526% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.4817% | 3,894 |
| Noncurrent loans to loans | 1.5364% | 3,979 |
| Net loans and leases to total assets | 50.2398% | 5,678 |
| Net loans and leases to deposits | 81.1476% | 2,507 |
| Net loans and leases to core deposits | 82.7371% | 3,219 |
| Total domestic deposits to total assets | 61.9117% | 7,278 |
| Equity capital to assets | 13.8489% | 1,226 |
| Core capital (leverage) ratio | 12.8984% | 1,264 |
| Tier 1 risk-based capital ratio | 22.4662% | 1,222 |
| Total risk-based capital ratio | 23.3178% | 1,252 |
| Memoranda: | ||
| Average total assets | $1,274,261,500 | 516 |
| Average earning assets | $1,154,692,250 | 517 |
| Average equity | $175,676,750 | 409 |
| Average total loans | $668,199,750 | 624 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 4,198 |
| Cost of funding earning assets | 1.1871% | 2,663 |
| Net interest margin | 3.5874% | 4,765 |
| Noninterest income to average assets | 0.7326% | 2,360 |
| Noninterest expense to average assets | 3.3247% | 2,479 |
| Loan and lease loss provision to assets | 0.1591% | 4,329 |
| Net operating income to assets | 0.3439% | 5,198 |
| Return on assets (ROA) | 0.3452% | 5,328 |
| Pretax return on assets | 0.4941% | 5,094 |
| Return on Equity (ROE) | 2.5076% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.5076% | 4,693 |
| Net charge-offs to loans | 0.3438% | 3,187 |
| Credit loss provision to net charge-offs | 87.2600% | 3,541 |
| Earnings coverage of net charge-offs (x) | 3.5724% | 3,129 |
| Efficiency ratio | 83.6155% | 1,868 |
| Assets per employee ($millions) | 4.0849% | 3,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9704% | 6,446 |
| Loan loss allowance to noncurrent loans | 53.1381% | 4,831 |
| Noncurrent assets plus other real estate owned to assets | 1.7569% | 3,563 |
| Noncurrent loans to loans | 1.8262% | 3,719 |
| Net loans and leases to total assets | 49.7869% | 5,849 |
| Net loans and leases to deposits | 81.1755% | 2,583 |
| Net loans and leases to core deposits | 82.7164% | 3,400 |
| Total domestic deposits to total assets | 61.3324% | 7,358 |
| Equity capital to assets | 13.3423% | 1,359 |
| Core capital (leverage) ratio | 12.6962% | 1,290 |
| Tier 1 risk-based capital ratio | 22.4133% | 1,200 |
| Total risk-based capital ratio | 23.2809% | 1,218 |
| Memoranda: | ||
| Average total assets | $1,256,817,670 | 529 |
| Average earning assets | $1,136,364,330 | 529 |
| Average equity | $172,996,000 | 420 |
| Average total loans | $666,635,330 | 638 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6810% | 4,608 |
| Cost of funding earning assets | 1.1867% | 2,904 |
| Net interest margin | 3.4943% | 5,036 |
| Noninterest income to average assets | 0.8629% | 1,804 |
| Noninterest expense to average assets | 3.5549% | 1,865 |
| Loan and lease loss provision to assets | 0.1310% | 4,363 |
| Net operating income to assets | 0.2319% | 5,674 |
| Return on assets (ROA) | 0.2345% | 5,731 |
| Pretax return on assets | 0.3262% | 5,577 |
| Return on Equity (ROE) | 1.6756% | 5,920 |
| Retained earnings to average equity (ytd only) | 1.6756% | 5,116 |
| Net charge-offs to loans | 0.3152% | 2,790 |
| Credit loss provision to net charge-offs | 76.1905% | 3,230 |
| Earnings coverage of net charge-offs (x) | 2.6381% | 3,022 |
| Efficiency ratio | 88.6846% | 1,447 |
| Assets per employee ($millions) | 4.2506% | 3,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9779% | 6,473 |
| Loan loss allowance to noncurrent loans | 82.6192% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.6130% | 3,826 |
| Noncurrent loans to loans | 1.1836% | 4,710 |
| Net loans and leases to total assets | 49.2989% | 5,928 |
| Net loans and leases to deposits | 79.4565% | 2,817 |
| Net loans and leases to core deposits | 80.8674% | 3,621 |
| Total domestic deposits to total assets | 62.0451% | 7,403 |
| Equity capital to assets | 12.8436% | 1,452 |
| Core capital (leverage) ratio | 12.4240% | 1,361 |
| Tier 1 risk-based capital ratio | 22.1400% | 1,205 |
| Total risk-based capital ratio | 23.0118% | 1,242 |
| Memoranda: | ||
| Average total assets | $1,221,426,500 | 551 |
| Average earning assets | $1,099,500,500 | 546 |
| Average equity | $170,928,000 | 420 |
| Average total loans | $666,229,000 | 642 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2220% | 3,503 |
| Cost of funding earning assets | 1.3937% | 3,309 |
| Net interest margin | 3.8283% | 3,827 |
| Noninterest income to average assets | 1.1045% | 1,216 |
| Noninterest expense to average assets | 3.7631% | 1,556 |
| Loan and lease loss provision to assets | 0.5982% | 2,745 |
| Net operating income to assets | 0.1775% | 5,349 |
| Return on assets (ROA) | 0.2093% | 5,412 |
| Pretax return on assets | 0.2664% | 5,319 |
| Return on Equity (ROE) | 1.5106% | 5,555 |
| Retained earnings to average equity (ytd only) | 1.5106% | 4,776 |
| Net charge-offs to loans | 1.1257% | 1,981 |
| Credit loss provision to net charge-offs | 86.8101% | 5,247 |
| Earnings coverage of net charge-offs (x) | 1.1963% | 4,915 |
| Efficiency ratio | 82.0310% | 2,162 |
| Assets per employee ($millions) | 3.6214% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9914% | 6,422 |
| Loan loss allowance to noncurrent loans | 77.9976% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 2.1010% | 3,220 |
| Noncurrent loans to loans | 1.2710% | 4,594 |
| Net loans and leases to total assets | 59.6800% | 4,728 |
| Net loans and leases to deposits | 80.3746% | 3,100 |
| Net loans and leases to core deposits | 81.7304% | 3,944 |
| Total domestic deposits to total assets | 74.2523% | 6,858 |
| Equity capital to assets | 15.3798% | 703 |
| Core capital (leverage) ratio | 14.8782% | 681 |
| Tier 1 risk-based capital ratio | 23.0179% | 1,032 |
| Total risk-based capital ratio | 23.9479% | 1,059 |
| Memoranda: | ||
| Average total assets | $1,120,080,400 | 588 |
| Average earning assets | $1,019,042,400 | 591 |
| Average equity | $155,174,400 | 439 |
| Average total loans | $685,634,000 | 641 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2554% | 3,551 |
| Cost of funding earning assets | 1.3986% | 3,596 |
| Net interest margin | 3.8568% | 3,725 |
| Noninterest income to average assets | 1.1348% | 1,085 |
| Noninterest expense to average assets | 3.7684% | 1,435 |
| Loan and lease loss provision to assets | 0.5936% | 2,568 |
| Net operating income to assets | 0.2151% | 5,465 |
| Return on assets (ROA) | 0.2230% | 5,599 |
| Pretax return on assets | 0.3074% | 5,486 |
| Return on Equity (ROE) | 1.6543% | 5,717 |
| Retained earnings to average equity (ytd only) | 1.6543% | 5,126 |
| Net charge-offs to loans | 1.2063% | 1,691 |
| Credit loss provision to net charge-offs | 80.0897% | 5,131 |
| Earnings coverage of net charge-offs (x) | 1.2010% | 4,863 |
| Efficiency ratio | 80.8919% | 2,230 |
| Assets per employee ($millions) | 3.6172% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9486% | 6,576 |
| Loan loss allowance to noncurrent loans | 68.1508% | 3,911 |
| Noncurrent assets plus other real estate owned to assets | 1.8210% | 3,719 |
| Noncurrent loans to loans | 1.3919% | 4,534 |
| Net loans and leases to total assets | 59.1976% | 5,064 |
| Net loans and leases to deposits | 80.5156% | 3,355 |
| Net loans and leases to core deposits | 81.6935% | 4,287 |
| Total domestic deposits to total assets | 73.5232% | 6,986 |
| Equity capital to assets | 15.3270% | 813 |
| Core capital (leverage) ratio | 14.5724% | 804 |
| Tier 1 risk-based capital ratio | 22.9795% | 1,077 |
| Total risk-based capital ratio | 23.8814% | 1,087 |
| Memoranda: | ||
| Average total assets | $1,123,060,250 | 585 |
| Average earning assets | $1,026,075,250 | 580 |
| Average equity | $151,359,750 | 450 |
| Average total loans | $690,049,500 | 633 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2370% | 3,781 |
| Cost of funding earning assets | 1.3865% | 3,962 |
| Net interest margin | 3.8504% | 3,675 |
| Noninterest income to average assets | 1.1336% | 1,017 |
| Noninterest expense to average assets | 3.8733% | 1,225 |
| Loan and lease loss provision to assets | 0.4013% | 3,315 |
| Net operating income to assets | 0.2605% | 5,332 |
| Return on assets (ROA) | 0.2717% | 5,440 |
| Pretax return on assets | 0.3922% | 5,253 |
| Return on Equity (ROE) | 2.1130% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.1130% | 4,801 |
| Net charge-offs to loans | 0.7989% | 2,250 |
| Credit loss provision to net charge-offs | 81.0227% | 4,681 |
| Earnings coverage of net charge-offs (x) | 1.5693% | 4,314 |
| Efficiency ratio | 83.2847% | 2,000 |
| Assets per employee ($millions) | 3.5832% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0342% | 6,252 |
| Loan loss allowance to noncurrent loans | 100.4660% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2972% | 4,556 |
| Noncurrent loans to loans | 1.0294% | 5,247 |
| Net loans and leases to total assets | 60.1236% | 5,034 |
| Net loans and leases to deposits | 82.0550% | 3,265 |
| Net loans and leases to core deposits | 83.1211% | 4,264 |
| Total domestic deposits to total assets | 73.2723% | 7,065 |
| Equity capital to assets | 15.2247% | 834 |
| Core capital (leverage) ratio | 14.4667% | 825 |
| Tier 1 risk-based capital ratio | 22.5441% | 1,116 |
| Total risk-based capital ratio | 23.5319% | 1,133 |
| Memoranda: | ||
| Average total assets | $1,121,226,330 | 584 |
| Average earning assets | $1,024,143,000 | 580 |
| Average equity | $144,154,670 | 468 |
| Average total loans | $695,239,330 | 632 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2163% | 3,936 |
| Cost of funding earning assets | 1.3812% | 4,300 |
| Net interest margin | 3.8351% | 3,646 |
| Noninterest income to average assets | 1.0741% | 1,098 |
| Noninterest expense to average assets | 3.9437% | 1,111 |
| Loan and lease loss provision to assets | 0.2868% | 3,733 |
| Net operating income to assets | 0.2320% | 5,570 |
| Return on assets (ROA) | 0.2542% | 5,605 |
| Pretax return on assets | 0.3725% | 5,371 |
| Return on Equity (ROE) | 2.1809% | 5,692 |
| Retained earnings to average equity (ytd only) | 2.1809% | 4,830 |
| Net charge-offs to loans | 0.7188% | 2,063 |
| Credit loss provision to net charge-offs | 63.6943% | 4,232 |
| Earnings coverage of net charge-offs (x) | 1.3917% | 3,912 |
| Efficiency ratio | 86.2880% | 1,767 |
| Assets per employee ($millions) | 3.3357% | 5,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0385% | 6,288 |
| Loan loss allowance to noncurrent loans | 79.4098% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 1.4373% | 4,351 |
| Noncurrent loans to loans | 1.3078% | 4,795 |
| Net loans and leases to total assets | 62.3858% | 4,678 |
| Net loans and leases to deposits | 85.6581% | 2,657 |
| Net loans and leases to core deposits | 86.6596% | 3,803 |
| Total domestic deposits to total assets | 72.8312% | 7,183 |
| Equity capital to assets | 15.3924% | 786 |
| Core capital (leverage) ratio | 14.7721% | 795 |
| Tier 1 risk-based capital ratio | 22.2334% | 1,171 |
| Total risk-based capital ratio | 23.2260% | 1,187 |
| Memoranda: | ||
| Average total assets | $1,115,700,500 | 604 |
| Average earning assets | $1,017,122,500 | 604 |
| Average equity | $130,039,000 | 522 |
| Average total loans | $698,919,000 | 649 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5956% | 3,632 |
| Cost of funding earning assets | 2.0338% | 2,802 |
| Net interest margin | 3.5618% | 4,688 |
| Noninterest income to average assets | 1.3550% | 810 |
| Noninterest expense to average assets | 4.1985% | 1,101 |
| Loan and lease loss provision to assets | 0.4892% | 3,928 |
| Net operating income to assets | -0.0899% | 5,664 |
| Return on assets (ROA) | 0.0616% | 5,363 |
| Pretax return on assets | 0.1454% | 5,121 |
| Return on Equity (ROE) | 0.7258% | 5,322 |
| Retained earnings to average equity (ytd only) | 0.7258% | 4,501 |
| Net charge-offs to loans | 0.8085% | 2,805 |
| Credit loss provision to net charge-offs | 89.2091% | 6,025 |
| Earnings coverage of net charge-offs (x) | 0.7257% | 5,374 |
| Efficiency ratio | 91.3423% | 1,612 |
| Assets per employee ($millions) | 3.4363% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,984 |
| Loan loss allowance to noncurrent loans | 92.3607% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.3259% | 4,443 |
| Noncurrent loans to loans | 1.1718% | 4,985 |
| Net loans and leases to total assets | 61.5863% | 5,087 |
| Net loans and leases to deposits | 76.5946% | 4,642 |
| Net loans and leases to core deposits | 88.5482% | 5,270 |
| Total domestic deposits to total assets | 80.4056% | 5,549 |
| Equity capital to assets | 8.0387% | 6,537 |
| Core capital (leverage) ratio | 7.3503% | 6,939 |
| Tier 1 risk-based capital ratio | 11.0130% | 5,903 |
| Total risk-based capital ratio | 12.0301% | 6,101 |
| Memoranda: | ||
| Average total assets | $1,062,957,800 | 633 |
| Average earning assets | $967,351,400 | 622 |
| Average equity | $90,243,400 | 718 |
| Average total loans | $720,930,200 | 641 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7905% | 2,936 |
| Cost of funding earning assets | 2.2067% | 2,382 |
| Net interest margin | 3.5837% | 4,543 |
| Noninterest income to average assets | 1.3971% | 779 |
| Noninterest expense to average assets | 4.2340% | 997 |
| Loan and lease loss provision to assets | 0.5517% | 3,178 |
| Net operating income to assets | -0.1136% | 5,913 |
| Return on assets (ROA) | 0.0711% | 5,597 |
| Pretax return on assets | 0.1595% | 5,386 |
| Return on Equity (ROE) | 0.8250% | 5,551 |
| Retained earnings to average equity (ytd only) | 0.8250% | 4,836 |
| Net charge-offs to loans | 0.8458% | 2,272 |
| Credit loss provision to net charge-offs | 94.0831% | 5,370 |
| Earnings coverage of net charge-offs (x) | 0.7207% | 5,315 |
| Efficiency ratio | 90.9243% | 1,615 |
| Assets per employee ($millions) | 2.9772% | 6,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1364% | 5,500 |
| Loan loss allowance to noncurrent loans | 149.8876% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 1.4549% | 4,208 |
| Noncurrent loans to loans | 0.7581% | 5,790 |
| Net loans and leases to total assets | 69.1465% | 3,683 |
| Net loans and leases to deposits | 91.6142% | 2,307 |
| Net loans and leases to core deposits | 108.7364% | 3,379 |
| Total domestic deposits to total assets | 75.4758% | 6,681 |
| Equity capital to assets | 9.0766% | 5,372 |
| Core capital (leverage) ratio | 8.2785% | 5,875 |
| Tier 1 risk-based capital ratio | 11.4255% | 5,499 |
| Total risk-based capital ratio | 12.5321% | 5,596 |
| Memoranda: | ||
| Average total assets | $1,045,206,250 | 656 |
| Average earning assets | $950,638,500 | 649 |
| Average equity | $90,015,250 | 727 |
| Average total loans | $724,660,750 | 656 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7763% | 3,156 |
| Cost of funding earning assets | 2.3147% | 2,293 |
| Net interest margin | 3.4616% | 4,960 |
| Noninterest income to average assets | 1.3996% | 780 |
| Noninterest expense to average assets | 4.1309% | 1,157 |
| Loan and lease loss provision to assets | 0.4536% | 3,266 |
| Net operating income to assets | -0.0467% | 5,917 |
| Return on assets (ROA) | 0.0868% | 5,698 |
| Pretax return on assets | 0.1792% | 5,515 |
| Return on Equity (ROE) | 1.0248% | 5,630 |
| Retained earnings to average equity (ytd only) | 1.0248% | 4,759 |
| Net charge-offs to loans | 0.5052% | 2,812 |
| Credit loss provision to net charge-offs | 129.8701% | 3,581 |
| Earnings coverage of net charge-offs (x) | 1.2148% | 4,622 |
| Efficiency ratio | 90.6850% | 1,753 |
| Assets per employee ($millions) | 2.9583% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2013% | 4,928 |
| Loan loss allowance to noncurrent loans | 158.2989% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5898% | 5,943 |
| Noncurrent loans to loans | 0.7589% | 5,721 |
| Net loans and leases to total assets | 69.8730% | 3,733 |
| Net loans and leases to deposits | 94.8902% | 1,971 |
| Net loans and leases to core deposits | 112.3641% | 3,095 |
| Total domestic deposits to total assets | 73.6357% | 7,011 |
| Equity capital to assets | 8.6932% | 5,763 |
| Core capital (leverage) ratio | 8.0021% | 6,327 |
| Tier 1 risk-based capital ratio | 11.0697% | 5,808 |
| Total risk-based capital ratio | 12.2539% | 5,801 |
| Memoranda: | ||
| Average total assets | $1,058,172,670 | 659 |
| Average earning assets | $964,628,000 | 655 |
| Average equity | $89,574,330 | 734 |
| Average total loans | $731,606,330 | 670 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7664% | 3,446 |
| Cost of funding earning assets | 2.4304% | 2,175 |
| Net interest margin | 3.3360% | 5,380 |
| Noninterest income to average assets | 1.3759% | 754 |
| Noninterest expense to average assets | 4.0192% | 1,163 |
| Loan and lease loss provision to assets | 0.5618% | 2,232 |
| Net operating income to assets | -0.1305% | 6,457 |
| Return on assets (ROA) | 0.0610% | 6,249 |
| Pretax return on assets | 0.1322% | 6,094 |
| Return on Equity (ROE) | 0.7307% | 6,213 |
| Retained earnings to average equity (ytd only) | 0.7307% | 5,371 |
| Net charge-offs to loans | 0.5582% | 2,073 |
| Credit loss provision to net charge-offs | 147.2031% | 2,823 |
| Earnings coverage of net charge-offs (x) | 1.0343% | 4,249 |
| Efficiency ratio | 91.0572% | 1,649 |
| Assets per employee ($millions) | 3.0785% | 5,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1886% | 4,878 |
| Loan loss allowance to noncurrent loans | 348.7844% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 6,646 |
| Noncurrent loans to loans | 0.3408% | 6,577 |
| Net loans and leases to total assets | 68.1053% | 4,111 |
| Net loans and leases to deposits | 94.7221% | 2,151 |
| Net loans and leases to core deposits | 112.9409% | 3,111 |
| Total domestic deposits to total assets | 71.9001% | 7,219 |
| Equity capital to assets | 8.3435% | 6,322 |
| Core capital (leverage) ratio | 7.7293% | 6,852 |
| Tier 1 risk-based capital ratio | 10.8725% | 6,018 |
| Total risk-based capital ratio | 12.0325% | 6,015 |
| Memoranda: | ||
| Average total assets | $1,068,086,000 | 652 |
| Average earning assets | $972,675,500 | 646 |
| Average equity | $89,228,500 | 742 |
| Average total loans | $730,236,500 | 676 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9863% | 5,612 |
| Cost of funding earning assets | 2.8472% | 2,488 |
| Net interest margin | 3.1392% | 6,546 |
| Noninterest income to average assets | 1.5453% | 591 |
| Noninterest expense to average assets | 3.9803% | 1,450 |
| Loan and lease loss provision to assets | 0.3575% | 3,537 |
| Net operating income to assets | 0.0157% | 6,324 |
| Return on assets (ROA) | 0.0601% | 6,063 |
| Pretax return on assets | 0.1295% | 5,884 |
| Return on Equity (ROE) | 0.7236% | 6,001 |
| Retained earnings to average equity (ytd only) | 0.7236% | 4,797 |
| Net charge-offs to loans | 0.4034% | 2,795 |
| Credit loss provision to net charge-offs | 130.0578% | 4,086 |
| Earnings coverage of net charge-offs (x) | 1.5189% | 5,342 |
| Efficiency ratio | 90.5054% | 1,473 |
| Assets per employee ($millions) | 3.0955% | 5,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 4,981 |
| Loan loss allowance to noncurrent loans | 145.0623% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5795% | 5,443 |
| Noncurrent loans to loans | 0.7872% | 5,071 |
| Net loans and leases to total assets | 67.0384% | 4,630 |
| Net loans and leases to deposits | 96.5079% | 2,369 |
| Net loans and leases to core deposits | 112.4265% | 3,518 |
| Total domestic deposits to total assets | 69.4642% | 7,336 |
| Equity capital to assets | 8.3646% | 6,317 |
| Core capital (leverage) ratio | 7.7129% | 6,906 |
| Tier 1 risk-based capital ratio | 10.7312% | 5,971 |
| Total risk-based capital ratio | 11.8163% | 6,042 |
| Memoranda: | ||
| Average total assets | $1,069,786,000 | 618 |
| Average earning assets | $972,129,600 | 618 |
| Average equity | $88,864,800 | 752 |
| Average total loans | $729,137,600 | 658 |