Home > Paragon Commercial Bank > Performance and Condition Ratios
Paragon Commercial Bank, Performance and Condition Ratios
| 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 | 4.1620% | 2,829 |
| Cost of funding earning assets | 0.6627% | 1,235 |
| Net interest margin | 3.4993% | 3,532 |
| Noninterest income to average assets | 0.0836% | 5,452 |
| Noninterest expense to average assets | 1.8529% | 5,190 |
| Loan and lease loss provision to assets | 0.0844% | 2,520 |
| Net operating income to assets | 0.9220% | 2,585 |
| Return on assets (ROA) | 0.9220% | 2,615 |
| Pretax return on assets | 1.4612% | 1,774 |
| Return on Equity (ROE) | 9.4651% | 2,108 |
| Retained earnings to average equity (ytd only) | 9.4651% | 427 |
| Net charge-offs to loans | -0.0230% | 4,995 |
| Credit loss provision to net charge-offs | -455.2632% | 4,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5221% | 4,905 |
| Assets per employee ($millions) | 12.5994% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6645% | 5,131 |
| Loan loss allowance to noncurrent loans | 3,662.9771% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 4,467 |
| Noncurrent loans to loans | 0.0181% | 4,941 |
| Net loans and leases to total assets | 81.3274% | 773 |
| Net loans and leases to deposits | 111.8879% | 218 |
| Net loans and leases to core deposits | 131.4073% | 310 |
| Total domestic deposits to total assets | 72.6865% | 5,284 |
| Equity capital to assets | 9.4529% | 4,267 |
| Core capital (leverage) ratio | 9.6936% | 3,821 |
| Tier 1 risk-based capital ratio | 11.0978% | 5,088 |
| Total risk-based capital ratio | 11.7315% | 5,284 |
| Memoranda: | ||
| Average total assets | $1,640,419,400 | 480 |
| Average earning assets | $1,553,943,800 | 463 |
| Average equity | $159,798,400 | 518 |
| Average total loans | $1,318,934,800 | 426 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1295% | 2,876 |
| Cost of funding earning assets | 0.6450% | 1,273 |
| Net interest margin | 3.4845% | 3,554 |
| Noninterest income to average assets | 0.0899% | 5,509 |
| Noninterest expense to average assets | 1.7957% | 5,280 |
| Loan and lease loss provision to assets | 0.1006% | 2,101 |
| Net operating income to assets | 0.9898% | 2,601 |
| Return on assets (ROA) | 0.9898% | 2,659 |
| Pretax return on assets | 1.4904% | 1,805 |
| Return on Equity (ROE) | 10.0793% | 2,096 |
| Retained earnings to average equity (ytd only) | 10.0793% | 568 |
| Net charge-offs to loans | -0.0289% | 4,986 |
| Credit loss provision to net charge-offs | -435.1254% | 4,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0220% | 5,011 |
| Assets per employee ($millions) | 13.1060% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6765% | 5,193 |
| Loan loss allowance to noncurrent loans | 2,013.2762% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.2218% | 4,178 |
| Noncurrent loans to loans | 0.0336% | 4,970 |
| Net loans and leases to total assets | 79.1888% | 1,097 |
| Net loans and leases to deposits | 106.9747% | 376 |
| Net loans and leases to core deposits | 125.1501% | 430 |
| Total domestic deposits to total assets | 74.0257% | 5,233 |
| Equity capital to assets | 9.4503% | 4,490 |
| Core capital (leverage) ratio | 9.8660% | 3,737 |
| Tier 1 risk-based capital ratio | 11.3770% | 5,029 |
| Total risk-based capital ratio | 12.0228% | 5,269 |
| Memoranda: | ||
| Average total assets | $1,609,544,750 | 492 |
| Average earning assets | $1,522,824,750 | 473 |
| Average equity | $158,062,750 | 525 |
| Average total loans | $1,287,632,000 | 432 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0954% | 2,844 |
| Cost of funding earning assets | 0.6162% | 1,350 |
| Net interest margin | 3.4792% | 3,473 |
| Noninterest income to average assets | 0.1159% | 5,461 |
| Noninterest expense to average assets | 1.8651% | 5,233 |
| Loan and lease loss provision to assets | 0.1034% | 1,960 |
| Net operating income to assets | 0.9569% | 2,624 |
| Return on assets (ROA) | 0.9569% | 2,687 |
| Pretax return on assets | 1.4335% | 1,886 |
| Return on Equity (ROE) | 9.6098% | 2,211 |
| Retained earnings to average equity (ytd only) | 9.6098% | 673 |
| Net charge-offs to loans | -0.0324% | 4,993 |
| Credit loss provision to net charge-offs | -398.5222% | 4,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8251% | 4,940 |
| Assets per employee ($millions) | 10.7987% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6660% | 5,272 |
| Loan loss allowance to noncurrent loans | 1,813.2114% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.3157% | 3,860 |
| Noncurrent loans to loans | 0.0367% | 5,007 |
| Net loans and leases to total assets | 81.0676% | 806 |
| Net loans and leases to deposits | 112.4143% | 219 |
| Net loans and leases to core deposits | 132.2251% | 271 |
| Total domestic deposits to total assets | 72.1150% | 5,446 |
| Equity capital to assets | 9.7952% | 4,127 |
| Core capital (leverage) ratio | 10.1389% | 3,351 |
| Tier 1 risk-based capital ratio | 11.5455% | 4,927 |
| Total risk-based capital ratio | 12.1832% | 5,190 |
| Memoranda: | ||
| Average total assets | $1,565,029,000 | 505 |
| Average earning assets | $1,478,141,670 | 489 |
| Average equity | $155,841,000 | 532 |
| Average total loans | $1,253,597,670 | 445 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0721% | 2,762 |
| Cost of funding earning assets | 0.6013% | 1,363 |
| Net interest margin | 3.4708% | 3,386 |
| Noninterest income to average assets | 0.1142% | 5,537 |
| Noninterest expense to average assets | 1.9344% | 5,175 |
| Loan and lease loss provision to assets | 0.0417% | 2,970 |
| Net operating income to assets | 0.9421% | 2,555 |
| Return on assets (ROA) | 0.9421% | 2,613 |
| Pretax return on assets | 1.4194% | 1,823 |
| Return on Equity (ROE) | 9.3785% | 2,243 |
| Retained earnings to average equity (ytd only) | 9.3785% | 956 |
| Net charge-offs to loans | -0.0188% | 4,708 |
| Credit loss provision to net charge-offs | -278.9474% | 4,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9709% | 4,837 |
| Assets per employee ($millions) | 10.1314% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6603% | 5,388 |
| Loan loss allowance to noncurrent loans | 1,628.2565% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.3380% | 3,844 |
| Noncurrent loans to loans | 0.0406% | 5,034 |
| Net loans and leases to total assets | 78.8554% | 1,003 |
| Net loans and leases to deposits | 96.3747% | 907 |
| Net loans and leases to core deposits | 112.8783% | 734 |
| Total domestic deposits to total assets | 81.8217% | 4,215 |
| Equity capital to assets | 10.0270% | 3,720 |
| Core capital (leverage) ratio | 10.1278% | 3,339 |
| Tier 1 risk-based capital ratio | 12.1071% | 4,648 |
| Total risk-based capital ratio | 12.7307% | 4,941 |
| Memoranda: | ||
| Average total assets | $1,526,844,000 | 517 |
| Average earning assets | $1,443,464,000 | 500 |
| Average equity | $153,372,000 | 536 |
| Average total loans | $1,210,614,500 | 458 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0994% | 2,854 |
| Cost of funding earning assets | 0.5687% | 1,549 |
| Net interest margin | 3.5307% | 3,314 |
| Noninterest income to average assets | 0.0765% | 5,707 |
| Noninterest expense to average assets | 1.8555% | 5,419 |
| Loan and lease loss provision to assets | 0.0417% | 3,548 |
| Net operating income to assets | 0.9946% | 2,372 |
| Return on assets (ROA) | 0.9996% | 2,460 |
| Pretax return on assets | 1.4848% | 1,641 |
| Return on Equity (ROE) | 10.2753% | 1,854 |
| Retained earnings to average equity (ytd only) | 9.4774% | 502 |
| Net charge-offs to loans | 0.0293% | 3,433 |
| Credit loss provision to net charge-offs | 182.9721% | 1,533 |
| Earnings coverage of net charge-offs (x) | 66.6471% | 829 |
| Efficiency ratio | 54.9852% | 5,153 |
| Assets per employee ($millions) | 10.1593% | 290 |
| Cash dividends to net income (ytd only)* | 7.7651% | 4,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6642% | 5,423 |
| Loan loss allowance to noncurrent loans | 817.0455% | 705 |
| Noncurrent assets plus other real estate owned to assets | 0.3796% | 3,752 |
| Noncurrent loans to loans | 0.0813% | 4,914 |
| Net loans and leases to total assets | 78.6690% | 1,097 |
| Net loans and leases to deposits | 100.6266% | 633 |
| Net loans and leases to core deposits | 119.8031% | 487 |
| Total domestic deposits to total assets | 78.1791% | 4,949 |
| Equity capital to assets | 10.0636% | 3,658 |
| Core capital (leverage) ratio | 10.3706% | 3,029 |
| Tier 1 risk-based capital ratio | 12.3567% | 4,470 |
| Total risk-based capital ratio | 12.9913% | 4,804 |
| Memoranda: | ||
| Average total assets | $1,417,126,600 | 528 |
| Average earning assets | $1,323,766,600 | 518 |
| Average equity | $137,865,000 | 574 |
| Average total loans | $1,104,044,000 | 467 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0677% | 2,993 |
| Cost of funding earning assets | 0.5654% | 1,575 |
| Net interest margin | 3.5023% | 3,460 |
| Noninterest income to average assets | 0.0886% | 5,746 |
| Noninterest expense to average assets | 1.8578% | 5,448 |
| Loan and lease loss provision to assets | 0.0374% | 3,497 |
| Net operating income to assets | 0.9831% | 2,505 |
| Return on assets (ROA) | 0.9887% | 2,625 |
| Pretax return on assets | 1.4643% | 1,836 |
| Return on Equity (ROE) | 10.2578% | 1,946 |
| Retained earnings to average equity (ytd only) | 9.1674% | 767 |
| Net charge-offs to loans | 0.0132% | 3,489 |
| Credit loss provision to net charge-offs | 365.4206% | 902 |
| Earnings coverage of net charge-offs (x) | 146.0967% | 472 |
| Efficiency ratio | 55.4352% | 5,113 |
| Assets per employee ($millions) | 10.3449% | 269 |
| Cash dividends to net income (ytd only)* | 10.6301% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6804% | 5,465 |
| Loan loss allowance to noncurrent loans | 836.8532% | 683 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 3,770 |
| Noncurrent loans to loans | 0.0813% | 5,026 |
| Net loans and leases to total assets | 78.2043% | 1,158 |
| Net loans and leases to deposits | 96.1657% | 1,035 |
| Net loans and leases to core deposits | 120.4951% | 492 |
| Total domestic deposits to total assets | 81.3224% | 4,161 |
| Equity capital to assets | 10.1518% | 3,980 |
| Core capital (leverage) ratio | 10.4156% | 3,092 |
| Tier 1 risk-based capital ratio | 12.2791% | 4,623 |
| Total risk-based capital ratio | 12.9269% | 4,895 |
| Memoranda: | ||
| Average total assets | $1,395,512,500 | 536 |
| Average earning assets | $1,300,052,750 | 527 |
| Average equity | $134,502,500 | 592 |
| Average total loans | $1,082,364,500 | 474 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0624% | 3,019 |
| Cost of funding earning assets | 0.5602% | 1,616 |
| Net interest margin | 3.5022% | 3,485 |
| Noninterest income to average assets | 0.0775% | 5,846 |
| Noninterest expense to average assets | 1.8728% | 5,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9740% | 2,503 |
| Return on assets (ROA) | 0.9823% | 2,603 |
| Pretax return on assets | 1.4658% | 1,788 |
| Return on Equity (ROE) | 10.3916% | 1,892 |
| Retained earnings to average equity (ytd only) | 8.6898% | 939 |
| Net charge-offs to loans | -0.0654% | 5,468 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3050% | 5,113 |
| Assets per employee ($millions) | 9.8944% | 298 |
| Cash dividends to net income (ytd only)* | 16.3764% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7229% | 5,473 |
| Loan loss allowance to noncurrent loans | 654.5902% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.4402% | 3,746 |
| Noncurrent loans to loans | 0.1104% | 5,004 |
| Net loans and leases to total assets | 75.4069% | 1,577 |
| Net loans and leases to deposits | 99.3217% | 754 |
| Net loans and leases to core deposits | 125.0793% | 389 |
| Total domestic deposits to total assets | 75.9219% | 5,295 |
| Equity capital to assets | 10.0976% | 4,095 |
| Core capital (leverage) ratio | 10.6055% | 2,845 |
| Tier 1 risk-based capital ratio | 12.2285% | 4,686 |
| Total risk-based capital ratio | 12.8945% | 4,965 |
| Memoranda: | ||
| Average total assets | $1,367,577,330 | 544 |
| Average earning assets | $1,268,560,330 | 539 |
| Average equity | $129,277,670 | 621 |
| Average total loans | $1,054,881,000 | 484 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0748% | 2,947 |
| Cost of funding earning assets | 0.5693% | 1,548 |
| Net interest margin | 3.5055% | 3,456 |
| Noninterest income to average assets | 0.0517% | 5,964 |
| Noninterest expense to average assets | 1.9506% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9029% | 2,738 |
| Return on assets (ROA) | 0.9202% | 2,761 |
| Pretax return on assets | 1.3687% | 2,009 |
| Return on Equity (ROE) | 10.1126% | 1,941 |
| Retained earnings to average equity (ytd only) | 6.4607% | 2,160 |
| Net charge-offs to loans | -0.1126% | 5,687 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2222% | 4,850 |
| Assets per employee ($millions) | 9.6567% | 319 |
| Cash dividends to net income (ytd only)* | 36.1129% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7594% | 5,466 |
| Loan loss allowance to noncurrent loans | 1,289.5935% | 463 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 3,840 |
| Noncurrent loans to loans | 0.0589% | 5,244 |
| Net loans and leases to total assets | 77.2138% | 1,217 |
| Net loans and leases to deposits | 98.7923% | 703 |
| Net loans and leases to core deposits | 124.1740% | 366 |
| Total domestic deposits to total assets | 78.1577% | 5,113 |
| Equity capital to assets | 9.0331% | 5,140 |
| Core capital (leverage) ratio | 9.2674% | 4,525 |
| Tier 1 risk-based capital ratio | 10.7780% | 5,620 |
| Total risk-based capital ratio | 11.4778% | 5,783 |
| Memoranda: | ||
| Average total assets | $1,324,130,500 | 560 |
| Average earning assets | $1,224,586,500 | 554 |
| Average equity | $120,483,000 | 665 |
| Average total loans | $1,029,942,500 | 494 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1068% | 2,887 |
| Cost of funding earning assets | 0.5656% | 1,627 |
| Net interest margin | 3.5412% | 3,369 |
| Noninterest income to average assets | 0.0606% | 5,979 |
| Noninterest expense to average assets | 1.8981% | 5,619 |
| Loan and lease loss provision to assets | 0.0585% | 3,141 |
| Net operating income to assets | 0.9042% | 2,847 |
| Return on assets (ROA) | 0.9320% | 2,778 |
| Pretax return on assets | 1.4098% | 1,859 |
| Return on Equity (ROE) | 10.3675% | 1,859 |
| Retained earnings to average equity (ytd only) | 10.3675% | 412 |
| Net charge-offs to loans | -0.0023% | 4,886 |
| Credit loss provision to net charge-offs | -3,409.0909% | 5,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0990% | 5,247 |
| Assets per employee ($millions) | 9.3955% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7524% | 5,531 |
| Loan loss allowance to noncurrent loans | 1,489.4737% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.4568% | 3,781 |
| Noncurrent loans to loans | 0.0505% | 5,311 |
| Net loans and leases to total assets | 77.1747% | 1,229 |
| Net loans and leases to deposits | 102.3981% | 525 |
| Net loans and leases to core deposits | 141.0266% | 153 |
| Total domestic deposits to total assets | 75.3673% | 5,514 |
| Equity capital to assets | 9.1668% | 4,954 |
| Core capital (leverage) ratio | 9.1549% | 4,677 |
| Tier 1 risk-based capital ratio | 10.8970% | 5,576 |
| Total risk-based capital ratio | 11.5941% | 5,768 |
| Memoranda: | ||
| Average total assets | $1,283,145,600 | 560 |
| Average earning assets | $1,182,534,000 | 548 |
| Average equity | $115,351,400 | 665 |
| Average total loans | $963,065,200 | 494 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0757% | 3,040 |
| Cost of funding earning assets | 0.5661% | 1,659 |
| Net interest margin | 3.5096% | 3,498 |
| Noninterest income to average assets | 0.0694% | 6,047 |
| Noninterest expense to average assets | 1.8942% | 5,647 |
| Loan and lease loss provision to assets | 0.0783% | 2,611 |
| Net operating income to assets | 0.8816% | 3,033 |
| Return on assets (ROA) | 0.9207% | 2,946 |
| Pretax return on assets | 1.3877% | 2,066 |
| Return on Equity (ROE) | 10.2932% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.2932% | 589 |
| Net charge-offs to loans | 0.0001% | 4,181 |
| Credit loss provision to net charge-offs | 75,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 13,512.4436% | 1 |
| Efficiency ratio | 57.3814% | 5,192 |
| Assets per employee ($millions) | 10.3917% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7634% | 5,603 |
| Loan loss allowance to noncurrent loans | 1,032.2493% | 562 |
| Noncurrent assets plus other real estate owned to assets | 1.0104% | 2,344 |
| Noncurrent loans to loans | 0.0740% | 5,332 |
| Net loans and leases to total assets | 72.7406% | 1,945 |
| Net loans and leases to deposits | 93.6028% | 1,246 |
| Net loans and leases to core deposits | 136.4346% | 200 |
| Total domestic deposits to total assets | 77.7120% | 5,233 |
| Equity capital to assets | 8.5455% | 5,680 |
| Core capital (leverage) ratio | 8.8441% | 5,188 |
| Tier 1 risk-based capital ratio | 10.7466% | 5,784 |
| Total risk-based capital ratio | 11.4473% | 5,925 |
| Memoranda: | ||
| Average total assets | $1,277,437,500 | 564 |
| Average earning assets | $1,176,233,000 | 551 |
| Average equity | $114,260,250 | 676 |
| Average total loans | $949,950,000 | 502 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 2,956 |
| Cost of funding earning assets | 0.5777% | 1,589 |
| Net interest margin | 3.5062% | 3,469 |
| Noninterest income to average assets | 0.0480% | 6,183 |
| Noninterest expense to average assets | 1.9277% | 5,668 |
| Loan and lease loss provision to assets | 0.1200% | 1,842 |
| Net operating income to assets | 0.8103% | 3,325 |
| Return on assets (ROA) | 0.8556% | 3,209 |
| Pretax return on assets | 1.2852% | 2,418 |
| Return on Equity (ROE) | 9.4127% | 2,333 |
| Retained earnings to average equity (ytd only) | 9.4127% | 798 |
| Net charge-offs to loans | 0.0107% | 3,536 |
| Credit loss provision to net charge-offs | 1,500.0000% | 234 |
| Earnings coverage of net charge-offs (x) | 167.1400% | 395 |
| Efficiency ratio | 59.0343% | 5,106 |
| Assets per employee ($millions) | 9.4405% | 318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7647% | 5,683 |
| Loan loss allowance to noncurrent loans | 1,005.1793% | 559 |
| Noncurrent assets plus other real estate owned to assets | 1.0998% | 2,309 |
| Noncurrent loans to loans | 0.0761% | 5,426 |
| Net loans and leases to total assets | 74.8494% | 1,527 |
| Net loans and leases to deposits | 95.6829% | 990 |
| Net loans and leases to core deposits | 133.8698% | 219 |
| Total domestic deposits to total assets | 78.2265% | 5,228 |
| Equity capital to assets | 8.7191% | 5,507 |
| Core capital (leverage) ratio | 8.9658% | 5,017 |
| Tier 1 risk-based capital ratio | 10.8823% | 5,768 |
| Total risk-based capital ratio | 11.6066% | 5,913 |
| Memoranda: | ||
| Average total assets | $1,249,480,670 | 568 |
| Average earning assets | $1,146,551,000 | 561 |
| Average equity | $113,570,330 | 682 |
| Average total loans | $933,986,330 | 505 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0639% | 2,976 |
| Cost of funding earning assets | 0.6059% | 1,391 |
| Net interest margin | 3.4580% | 3,595 |
| Noninterest income to average assets | 0.0108% | 6,310 |
| Noninterest expense to average assets | 1.9020% | 5,752 |
| Loan and lease loss provision to assets | 0.1875% | 1,007 |
| Net operating income to assets | 0.7236% | 3,673 |
| Return on assets (ROA) | 0.8150% | 3,311 |
| Pretax return on assets | 1.2308% | 2,546 |
| Return on Equity (ROE) | 8.7743% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.7743% | 1,277 |
| Net charge-offs to loans | -0.0494% | 5,506 |
| Credit loss provision to net charge-offs | -509.8214% | 4,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7791% | 5,119 |
| Assets per employee ($millions) | 9.7011% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8002% | 5,690 |
| Loan loss allowance to noncurrent loans | 191.9675% | 2,296 |
| Noncurrent assets plus other real estate owned to assets | 1.4398% | 1,834 |
| Noncurrent loans to loans | 0.4168% | 4,341 |
| Net loans and leases to total assets | 73.6706% | 1,551 |
| Net loans and leases to deposits | 98.6806% | 640 |
| Net loans and leases to core deposits | 134.6199% | 197 |
| Total domestic deposits to total assets | 74.6556% | 5,858 |
| Equity capital to assets | 8.9949% | 5,298 |
| Core capital (leverage) ratio | 9.3390% | 4,505 |
| Tier 1 risk-based capital ratio | 11.0130% | 5,806 |
| Total risk-based capital ratio | 11.7776% | 5,942 |
| Memoranda: | ||
| Average total assets | $1,218,107,000 | 576 |
| Average earning assets | $1,116,943,500 | 571 |
| Average equity | $113,148,000 | 681 |
| Average total loans | $906,097,500 | 521 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,633 |
| Cost of funding earning assets | 0.7897% | 681 |
| Net interest margin | 3.5026% | 3,776 |
| Noninterest income to average assets | 0.0444% | 6,302 |
| Noninterest expense to average assets | 1.9555% | 5,849 |
| Loan and lease loss provision to assets | 0.0488% | 3,594 |
| Net operating income to assets | 0.7846% | 3,447 |
| Return on assets (ROA) | 0.7897% | 3,522 |
| Pretax return on assets | 1.2239% | 2,554 |
| Return on Equity (ROE) | 8.0687% | 3,096 |
| Retained earnings to average equity (ytd only) | 8.0687% | 993 |
| Net charge-offs to loans | 0.0753% | 3,411 |
| Credit loss provision to net charge-offs | 88.4868% | 2,678 |
| Earnings coverage of net charge-offs (x) | 22.9342% | 1,609 |
| Efficiency ratio | 60.7233% | 5,109 |
| Assets per employee ($millions) | 9.1761% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7910% | 5,799 |
| Loan loss allowance to noncurrent loans | 1,631.5914% | 401 |
| Noncurrent assets plus other real estate owned to assets | 1.3042% | 2,156 |
| Noncurrent loans to loans | 0.0485% | 5,688 |
| Net loans and leases to total assets | 73.9280% | 1,594 |
| Net loans and leases to deposits | 97.3137% | 805 |
| Net loans and leases to core deposits | 136.2567% | 191 |
| Total domestic deposits to total assets | 75.9688% | 5,736 |
| Equity capital to assets | 9.6094% | 4,576 |
| Core capital (leverage) ratio | 9.6055% | 4,089 |
| Tier 1 risk-based capital ratio | 12.2967% | 5,158 |
| Total risk-based capital ratio | 13.0932% | 5,373 |
| Memoranda: | ||
| Average total assets | $1,102,431,400 | 610 |
| Average earning assets | $999,597,600 | 607 |
| Average equity | $107,899,000 | 676 |
| Average total loans | $807,750,800 | 546 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2776% | 2,721 |
| Cost of funding earning assets | 0.8153% | 633 |
| Net interest margin | 3.4623% | 3,971 |
| Noninterest income to average assets | 0.0036% | 6,470 |
| Noninterest expense to average assets | 1.9785% | 5,800 |
| Loan and lease loss provision to assets | 0.0660% | 3,030 |
| Net operating income to assets | 0.7050% | 3,917 |
| Return on assets (ROA) | 0.7119% | 3,980 |
| Pretax return on assets | 1.1046% | 3,166 |
| Return on Equity (ROE) | 7.2380% | 3,587 |
| Retained earnings to average equity (ytd only) | 7.2380% | 1,697 |
| Net charge-offs to loans | 0.0787% | 3,078 |
| Credit loss provision to net charge-offs | 114.9573% | 1,975 |
| Earnings coverage of net charge-offs (x) | 20.2010% | 1,747 |
| Efficiency ratio | 63.0414% | 4,716 |
| Assets per employee ($millions) | 9.2730% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8538% | 5,736 |
| Loan loss allowance to noncurrent loans | 947.1622% | 597 |
| Noncurrent assets plus other real estate owned to assets | 1.3614% | 2,269 |
| Noncurrent loans to loans | 0.0901% | 5,673 |
| Net loans and leases to total assets | 71.3606% | 1,957 |
| Net loans and leases to deposits | 92.3440% | 1,199 |
| Net loans and leases to core deposits | 132.9856% | 204 |
| Total domestic deposits to total assets | 77.2769% | 5,630 |
| Equity capital to assets | 9.5964% | 4,673 |
| Core capital (leverage) ratio | 9.8364% | 3,894 |
| Tier 1 risk-based capital ratio | 12.7505% | 5,008 |
| Total risk-based capital ratio | 13.6087% | 5,191 |
| Memoranda: | ||
| Average total assets | $1,086,696,500 | 619 |
| Average earning assets | $983,955,000 | 611 |
| Average equity | $106,877,500 | 685 |
| Average total loans | $792,587,250 | 554 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3020% | 2,574 |
| Cost of funding earning assets | 0.8352% | 596 |
| Net interest margin | 3.4668% | 3,911 |
| Noninterest income to average assets | 0.0812% | 6,348 |
| Noninterest expense to average assets | 1.9668% | 5,880 |
| Loan and lease loss provision to assets | 0.1007% | 2,338 |
| Net operating income to assets | 0.7569% | 3,536 |
| Return on assets (ROA) | 0.7676% | 3,582 |
| Pretax return on assets | 1.1565% | 2,849 |
| Return on Equity (ROE) | 7.7383% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.7383% | 1,416 |
| Net charge-offs to loans | 0.1333% | 2,335 |
| Credit loss provision to net charge-offs | 103.0651% | 1,931 |
| Earnings coverage of net charge-offs (x) | 12.7031% | 2,039 |
| Efficiency ratio | 61.3150% | 5,101 |
| Assets per employee ($millions) | 9.0764% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 5,821 |
| Loan loss allowance to noncurrent loans | 569.6151% | 825 |
| Noncurrent assets plus other real estate owned to assets | 1.5697% | 2,076 |
| Noncurrent loans to loans | 0.1522% | 5,554 |
| Net loans and leases to total assets | 71.8309% | 1,774 |
| Net loans and leases to deposits | 92.0532% | 1,145 |
| Net loans and leases to core deposits | 128.4040% | 245 |
| Total domestic deposits to total assets | 78.0319% | 5,625 |
| Equity capital to assets | 9.7315% | 4,451 |
| Core capital (leverage) ratio | 9.8851% | 3,765 |
| Tier 1 risk-based capital ratio | 12.6291% | 5,138 |
| Total risk-based capital ratio | 13.5120% | 5,301 |
| Memoranda: | ||
| Average total assets | $1,068,735,330 | 624 |
| Average earning assets | $963,833,000 | 630 |
| Average equity | $106,018,330 | 688 |
| Average total loans | $783,138,330 | 558 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3434% | 2,354 |
| Cost of funding earning assets | 0.8591% | 561 |
| Net interest margin | 3.4843% | 3,766 |
| Noninterest income to average assets | 0.0930% | 6,359 |
| Noninterest expense to average assets | 1.9614% | 5,957 |
| Loan and lease loss provision to assets | 0.2051% | 1,129 |
| Net operating income to assets | 0.6345% | 4,028 |
| Return on assets (ROA) | 0.6579% | 3,998 |
| Pretax return on assets | 1.1057% | 2,881 |
| Return on Equity (ROE) | 6.5660% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.5660% | 2,246 |
| Net charge-offs to loans | -0.0538% | 5,830 |
| Credit loss provision to net charge-offs | -517.3077% | 5,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6196% | 5,318 |
| Assets per employee ($millions) | 9.5023% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9723% | 5,629 |
| Loan loss allowance to noncurrent loans | 381.7221% | 1,206 |
| Noncurrent assets plus other real estate owned to assets | 1.8622% | 1,860 |
| Noncurrent loans to loans | 0.2547% | 5,342 |
| Net loans and leases to total assets | 72.5474% | 1,489 |
| Net loans and leases to deposits | 93.8156% | 812 |
| Net loans and leases to core deposits | 151.2509% | 94 |
| Total domestic deposits to total assets | 77.3298% | 5,926 |
| Equity capital to assets | 9.9877% | 3,857 |
| Core capital (leverage) ratio | 10.1034% | 3,424 |
| Tier 1 risk-based capital ratio | 12.7964% | 5,124 |
| Total risk-based capital ratio | 13.7742% | 5,234 |
| Memoranda: | ||
| Average total assets | $1,049,445,000 | 639 |
| Average earning assets | $946,538,000 | 640 |
| Average equity | $105,148,500 | 693 |
| Average total loans | $773,532,500 | 564 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4985% | 2,209 |
| Cost of funding earning assets | 1.0750% | 323 |
| Net interest margin | 3.4234% | 4,190 |
| Noninterest income to average assets | -0.2139% | 6,761 |
| Noninterest expense to average assets | 1.9946% | 6,035 |
| Loan and lease loss provision to assets | 0.0157% | 4,812 |
| Net operating income to assets | 0.5686% | 4,419 |
| Return on assets (ROA) | 0.5743% | 4,499 |
| Pretax return on assets | 0.8941% | 3,789 |
| Return on Equity (ROE) | 5.5235% | 4,378 |
| Retained earnings to average equity (ytd only) | 4.3137% | 3,107 |
| Net charge-offs to loans | 0.4811% | 1,383 |
| Credit loss provision to net charge-offs | 4.3759% | 4,658 |
| Earnings coverage of net charge-offs (x) | 2.5108% | 4,175 |
| Efficiency ratio | 68.8888% | 4,038 |
| Assets per employee ($millions) | 9.7607% | 251 |
| Cash dividends to net income (ytd only)* | 21.9029% | 3,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9042% | 5,912 |
| Loan loss allowance to noncurrent loans | 436.6897% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 1.8980% | 1,910 |
| Noncurrent loans to loans | 0.2071% | 5,566 |
| Net loans and leases to total assets | 73.4999% | 1,435 |
| Net loans and leases to deposits | 98.6497% | 557 |
| Net loans and leases to core deposits | 150.6946% | 94 |
| Total domestic deposits to total assets | 74.5060% | 6,244 |
| Equity capital to assets | 10.0521% | 3,690 |
| Core capital (leverage) ratio | 9.9257% | 3,674 |
| Tier 1 risk-based capital ratio | 12.5591% | 5,252 |
| Total risk-based capital ratio | 14.9472% | 4,471 |
| Memoranda: | ||
| Average total assets | $993,673,000 | 660 |
| Average earning assets | $902,483,200 | 660 |
| Average equity | $103,321,800 | 690 |
| Average total loans | $741,048,000 | 570 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4950% | 2,249 |
| Cost of funding earning assets | 1.1024% | 307 |
| Net interest margin | 3.3927% | 4,317 |
| Noninterest income to average assets | -0.2915% | 6,848 |
| Noninterest expense to average assets | 1.8617% | 6,241 |
| Loan and lease loss provision to assets | 0.1026% | 3,054 |
| Net operating income to assets | 0.5532% | 4,571 |
| Return on assets (ROA) | 0.5590% | 4,688 |
| Pretax return on assets | 0.8400% | 4,141 |
| Return on Equity (ROE) | 5.3292% | 4,548 |
| Retained earnings to average equity (ytd only) | 4.6830% | 3,330 |
| Net charge-offs to loans | 0.6370% | 964 |
| Credit loss provision to net charge-offs | 21.5731% | 4,047 |
| Earnings coverage of net charge-offs (x) | 1.9632% | 4,170 |
| Efficiency ratio | 66.5923% | 4,374 |
| Assets per employee ($millions) | 9.4125% | 275 |
| Cash dividends to net income (ytd only)* | 12.1271% | 3,396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 5,646 |
| Loan loss allowance to noncurrent loans | 86.6826% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 2.1781% | 1,830 |
| Noncurrent loans to loans | 1.1724% | 3,474 |
| Net loans and leases to total assets | 74.1552% | 1,275 |
| Net loans and leases to deposits | 98.1360% | 560 |
| Net loans and leases to core deposits | 175.4540% | 49 |
| Total domestic deposits to total assets | 75.5637% | 6,215 |
| Equity capital to assets | 10.3714% | 3,428 |
| Core capital (leverage) ratio | 9.9881% | 3,695 |
| Tier 1 risk-based capital ratio | 12.7806% | 5,270 |
| Total risk-based capital ratio | 15.3418% | 4,311 |
| Memoranda: | ||
| Average total assets | $983,433,500 | 668 |
| Average earning assets | $894,892,000 | 668 |
| Average equity | $103,151,750 | 695 |
| Average total loans | $734,462,000 | 574 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4361% | 2,436 |
| Cost of funding earning assets | 1.1262% | 299 |
| Net interest margin | 3.3099% | 4,535 |
| Noninterest income to average assets | -0.4028% | 6,897 |
| Noninterest expense to average assets | 1.8513% | 6,290 |
| Loan and lease loss provision to assets | 0.2528% | 1,467 |
| Net operating income to assets | 0.3473% | 5,417 |
| Return on assets (ROA) | 0.3576% | 5,553 |
| Pretax return on assets | 0.5191% | 5,308 |
| Return on Equity (ROE) | 3.3966% | 5,471 |
| Retained earnings to average equity (ytd only) | 3.3966% | 4,155 |
| Net charge-offs to loans | 0.6610% | 990 |
| Credit loss provision to net charge-offs | 51.2640% | 3,187 |
| Earnings coverage of net charge-offs (x) | 1.5350% | 4,021 |
| Efficiency ratio | 70.9786% | 3,648 |
| Assets per employee ($millions) | 10.4825% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 4,773 |
| Loan loss allowance to noncurrent loans | 86.1544% | 3,835 |
| Noncurrent assets plus other real estate owned to assets | 2.4091% | 1,764 |
| Noncurrent loans to loans | 1.4423% | 3,142 |
| Net loans and leases to total assets | 72.4398% | 1,498 |
| Net loans and leases to deposits | 96.0793% | 664 |
| Net loans and leases to core deposits | 141.9658% | 124 |
| Total domestic deposits to total assets | 75.3958% | 6,319 |
| Equity capital to assets | 10.1943% | 3,665 |
| Core capital (leverage) ratio | 9.8505% | 3,717 |
| Tier 1 risk-based capital ratio | 12.6831% | 5,366 |
| Total risk-based capital ratio | 15.4285% | 4,264 |
| Memoranda: | ||
| Average total assets | $978,669,670 | 674 |
| Average earning assets | $890,287,330 | 671 |
| Average equity | $103,043,000 | 698 |
| Average total loans | $730,129,000 | 572 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 2,399 |
| Cost of funding earning assets | 1.1702% | 258 |
| Net interest margin | 3.2661% | 4,647 |
| Noninterest income to average assets | -0.2454% | 6,959 |
| Noninterest expense to average assets | 1.8855% | 6,297 |
| Loan and lease loss provision to assets | 0.2226% | 1,658 |
| Net operating income to assets | 0.4166% | 5,059 |
| Return on assets (ROA) | 0.4166% | 5,210 |
| Pretax return on assets | 0.6132% | 4,898 |
| Return on Equity (ROE) | 3.8927% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.8927% | 3,899 |
| Net charge-offs to loans | 0.8924% | 681 |
| Credit loss provision to net charge-offs | 33.1481% | 2,848 |
| Earnings coverage of net charge-offs (x) | 1.2444% | 3,412 |
| Efficiency ratio | 69.2870% | 4,095 |
| Assets per employee ($millions) | 10.3529% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2695% | 4,850 |
| Loan loss allowance to noncurrent loans | 77.0690% | 4,051 |
| Noncurrent assets plus other real estate owned to assets | 3.2389% | 1,344 |
| Noncurrent loans to loans | 1.6473% | 3,074 |
| Net loans and leases to total assets | 74.0475% | 1,071 |
| Net loans and leases to deposits | 97.2482% | 477 |
| Net loans and leases to core deposits | 179.6029% | 52 |
| Total domestic deposits to total assets | 76.1429% | 6,352 |
| Equity capital to assets | 10.6399% | 3,390 |
| Core capital (leverage) ratio | 9.9452% | 3,465 |
| Tier 1 risk-based capital ratio | 12.6137% | 5,508 |
| Total risk-based capital ratio | 15.3670% | 4,373 |
| Memoranda: | ||
| Average total assets | $964,846,500 | 690 |
| Average earning assets | $876,394,000 | 690 |
| Average equity | $103,271,000 | 708 |
| Average total loans | $726,121,000 | 580 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4476% | 3,621 |
| Cost of funding earning assets | 1.5538% | 128 |
| Net interest margin | 2.8938% | 6,236 |
| Noninterest income to average assets | -0.0741% | 6,904 |
| Noninterest expense to average assets | 1.8203% | 6,600 |
| Loan and lease loss provision to assets | 0.0963% | 4,448 |
| Net operating income to assets | 0.4074% | 5,069 |
| Return on assets (ROA) | 0.4077% | 5,321 |
| Pretax return on assets | 0.6303% | 4,889 |
| Return on Equity (ROE) | 3.9324% | 5,173 |
| Retained earnings to average equity (ytd only) | 3.9324% | 3,434 |
| Net charge-offs to loans | 0.5598% | 2,062 |
| Credit loss provision to net charge-offs | 24.1496% | 5,221 |
| Earnings coverage of net charge-offs (x) | 1.8206% | 4,521 |
| Efficiency ratio | 71.4826% | 3,522 |
| Assets per employee ($millions) | 10.8696% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4325% | 4,002 |
| Loan loss allowance to noncurrent loans | 64.2493% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 3.6447% | 1,219 |
| Noncurrent loans to loans | 2.2296% | 2,431 |
| Net loans and leases to total assets | 74.4383% | 1,135 |
| Net loans and leases to deposits | 101.4567% | 356 |
| Net loans and leases to core deposits | 164.9966% | 69 |
| Total domestic deposits to total assets | 73.3695% | 6,589 |
| Equity capital to assets | 10.7679% | 3,207 |
| Core capital (leverage) ratio | 9.9033% | 3,541 |
| Tier 1 risk-based capital ratio | 12.5042% | 5,477 |
| Total risk-based capital ratio | 15.3058% | 4,303 |
| Memoranda: | ||
| Average total assets | $965,443,200 | 677 |
| Average earning assets | $874,284,600 | 678 |
| Average equity | $100,091,400 | 711 |
| Average total loans | $687,920,000 | 604 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4021% | 4,039 |
| Cost of funding earning assets | 1.6243% | 114 |
| Net interest margin | 2.7778% | 6,532 |
| Noninterest income to average assets | -0.0500% | 6,993 |
| Noninterest expense to average assets | 1.7876% | 6,690 |
| Loan and lease loss provision to assets | 0.1039% | 4,278 |
| Net operating income to assets | 0.3881% | 5,302 |
| Return on assets (ROA) | 0.3829% | 5,531 |
| Pretax return on assets | 0.5689% | 5,257 |
| Return on Equity (ROE) | 3.7289% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.7289% | 4,265 |
| Net charge-offs to loans | 0.6440% | 1,703 |
| Credit loss provision to net charge-offs | 22.9808% | 4,907 |
| Earnings coverage of net charge-offs (x) | 1.5053% | 4,533 |
| Efficiency ratio | 72.4278% | 3,245 |
| Assets per employee ($millions) | 10.9043% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5618% | 3,684 |
| Loan loss allowance to noncurrent loans | 66.7309% | 4,344 |
| Noncurrent assets plus other real estate owned to assets | 3.9174% | 1,243 |
| Noncurrent loans to loans | 2.3405% | 2,464 |
| Net loans and leases to total assets | 69.7707% | 1,955 |
| Net loans and leases to deposits | 89.6471% | 1,191 |
| Net loans and leases to core deposits | 161.4600% | 76 |
| Total domestic deposits to total assets | 77.8282% | 6,111 |
| Equity capital to assets | 10.4413% | 3,911 |
| Core capital (leverage) ratio | 9.7396% | 3,887 |
| Tier 1 risk-based capital ratio | 12.6516% | 5,522 |
| Total risk-based capital ratio | 15.5255% | 4,302 |
| Memoranda: | ||
| Average total assets | $967,673,750 | 685 |
| Average earning assets | $877,218,500 | 683 |
| Average equity | $99,365,000 | 717 |
| Average total loans | $679,308,500 | 606 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4191% | 4,109 |
| Cost of funding earning assets | 1.6627% | 118 |
| Net interest margin | 2.7564% | 6,641 |
| Noninterest income to average assets | -0.0736% | 7,073 |
| Noninterest expense to average assets | 1.7107% | 6,832 |
| Loan and lease loss provision to assets | 0.2083% | 2,991 |
| Net operating income to assets | 0.3402% | 5,465 |
| Return on assets (ROA) | 0.3347% | 5,703 |
| Pretax return on assets | 0.4926% | 5,460 |
| Return on Equity (ROE) | 3.2783% | 5,573 |
| Retained earnings to average equity (ytd only) | 3.2783% | 4,429 |
| Net charge-offs to loans | 0.7536% | 1,461 |
| Credit loss provision to net charge-offs | 39.5057% | 4,271 |
| Earnings coverage of net charge-offs (x) | 1.3444% | 4,331 |
| Efficiency ratio | 70.6994% | 3,650 |
| Assets per employee ($millions) | 10.9576% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 2,996 |
| Loan loss allowance to noncurrent loans | 62.9739% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 4.2219% | 1,185 |
| Noncurrent loans to loans | 2.7906% | 2,143 |
| Net loans and leases to total assets | 68.7683% | 2,146 |
| Net loans and leases to deposits | 88.5084% | 1,321 |
| Net loans and leases to core deposits | 149.6830% | 108 |
| Total domestic deposits to total assets | 77.6969% | 6,217 |
| Equity capital to assets | 10.4832% | 3,710 |
| Core capital (leverage) ratio | 9.5287% | 4,106 |
| Tier 1 risk-based capital ratio | 12.8678% | 5,276 |
| Total risk-based capital ratio | 15.7924% | 4,036 |
| Memoranda: | ||
| Average total assets | $966,738,670 | 687 |
| Average earning assets | $874,478,330 | 688 |
| Average equity | $98,709,670 | 726 |
| Average total loans | $676,460,330 | 616 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4408% | 4,157 |
| Cost of funding earning assets | 1.6858% | 130 |
| Net interest margin | 2.7550% | 6,708 |
| Noninterest income to average assets | 0.0333% | 6,998 |
| Noninterest expense to average assets | 1.7003% | 6,901 |
| Loan and lease loss provision to assets | 0.0916% | 4,209 |
| Net operating income to assets | 0.4936% | 4,855 |
| Return on assets (ROA) | 0.4450% | 5,248 |
| Pretax return on assets | 0.6591% | 4,912 |
| Return on Equity (ROE) | 4.4161% | 5,088 |
| Retained earnings to average equity (ytd only) | 4.4161% | 3,949 |
| Net charge-offs to loans | 1.4402% | 695 |
| Credit loss provision to net charge-offs | 9.0946% | 3,913 |
| Earnings coverage of net charge-offs (x) | 0.8161% | 3,925 |
| Efficiency ratio | 67.4051% | 4,287 |
| Assets per employee ($millions) | 12.1316% | 144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 3,595 |
| Loan loss allowance to noncurrent loans | 47.7117% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 5.0746% | 1,019 |
| Noncurrent loans to loans | 3.4275% | 1,832 |
| Net loans and leases to total assets | 67.5776% | 2,191 |
| Net loans and leases to deposits | 88.2064% | 1,141 |
| Net loans and leases to core deposits | 160.4657% | 88 |
| Total domestic deposits to total assets | 76.6130% | 6,469 |
| Equity capital to assets | 10.0313% | 4,088 |
| Core capital (leverage) ratio | 9.3492% | 4,284 |
| Tier 1 risk-based capital ratio | 12.3232% | 5,737 |
| Total risk-based capital ratio | 15.1989% | 4,473 |
| Memoranda: | ||
| Average total assets | $973,451,500 | 681 |
| Average earning assets | $879,570,000 | 683 |
| Average equity | $98,095,500 | 727 |
| Average total loans | $681,038,500 | 610 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5745% | 4,775 |
| Cost of funding earning assets | 1.9188% | 139 |
| Net interest margin | 2.6557% | 6,966 |
| Noninterest income to average assets | 0.0924% | 6,676 |
| Noninterest expense to average assets | 1.9485% | 6,765 |
| Loan and lease loss provision to assets | 0.2720% | 3,496 |
| Net operating income to assets | 0.2549% | 5,415 |
| Return on assets (ROA) | 0.1424% | 5,895 |
| Pretax return on assets | 0.1455% | 5,895 |
| Return on Equity (ROE) | 1.6184% | 5,807 |
| Retained earnings to average equity (ytd only) | 1.6184% | 5,062 |
| Net charge-offs to loans | 0.9137% | 1,902 |
| Credit loss provision to net charge-offs | 41.5551% | 5,605 |
| Earnings coverage of net charge-offs (x) | 0.8132% | 5,189 |
| Efficiency ratio | 78.5451% | 2,517 |
| Assets per employee ($millions) | 12.6874% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9315% | 2,474 |
| Loan loss allowance to noncurrent loans | 54.3233% | 4,794 |
| Noncurrent assets plus other real estate owned to assets | 5.2562% | 990 |
| Noncurrent loans to loans | 3.5556% | 1,800 |
| Net loans and leases to total assets | 69.8693% | 2,059 |
| Net loans and leases to deposits | 90.3555% | 1,120 |
| Net loans and leases to core deposits | 181.8081% | 78 |
| Total domestic deposits to total assets | 77.3271% | 6,294 |
| Equity capital to assets | 10.1237% | 4,004 |
| Core capital (leverage) ratio | 9.0461% | 4,698 |
| Tier 1 risk-based capital ratio | 11.8301% | 5,943 |
| Total risk-based capital ratio | 14.6880% | 4,709 |
| Memoranda: | ||
| Average total assets | $1,072,822,600 | 609 |
| Average earning assets | $964,833,200 | 614 |
| Average equity | $94,416,200 | 728 |
| Average total loans | $768,561,000 | 532 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6185% | 4,794 |
| Cost of funding earning assets | 1.9499% | 144 |
| Net interest margin | 2.6686% | 7,016 |
| Noninterest income to average assets | 0.1686% | 6,381 |
| Noninterest expense to average assets | 1.9106% | 6,835 |
| Loan and lease loss provision to assets | 0.3972% | 2,472 |
| Net operating income to assets | 0.2119% | 5,668 |
| Return on assets (ROA) | 0.1527% | 5,947 |
| Pretax return on assets | 0.1872% | 5,918 |
| Return on Equity (ROE) | 1.7945% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.7945% | 5,238 |
| Net charge-offs to loans | 1.2631% | 1,230 |
| Credit loss provision to net charge-offs | 43.8453% | 5,167 |
| Earnings coverage of net charge-offs (x) | 0.7246% | 5,075 |
| Efficiency ratio | 74.4263% | 3,101 |
| Assets per employee ($millions) | 12.5896% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,693 |
| Loan loss allowance to noncurrent loans | 53.5262% | 4,796 |
| Noncurrent assets plus other real estate owned to assets | 5.4626% | 1,026 |
| Noncurrent loans to loans | 3.5061% | 1,964 |
| Net loans and leases to total assets | 69.2676% | 2,226 |
| Net loans and leases to deposits | 88.4391% | 1,380 |
| Net loans and leases to core deposits | 184.2946% | 76 |
| Total domestic deposits to total assets | 78.3224% | 6,129 |
| Equity capital to assets | 9.7698% | 4,669 |
| Core capital (leverage) ratio | 8.4580% | 5,770 |
| Tier 1 risk-based capital ratio | 11.3489% | 6,330 |
| Total risk-based capital ratio | 14.1810% | 5,133 |
| Memoranda: | ||
| Average total assets | $1,099,968,250 | 602 |
| Average earning assets | $988,601,500 | 605 |
| Average equity | $93,616,000 | 737 |
| Average total loans | $788,957,000 | 525 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6269% | 4,860 |
| Cost of funding earning assets | 1.9732% | 153 |
| Net interest margin | 2.6537% | 7,076 |
| Noninterest income to average assets | 0.0247% | 7,136 |
| Noninterest expense to average assets | 1.6784% | 7,197 |
| Loan and lease loss provision to assets | 0.8674% | 1,036 |
| Net operating income to assets | -0.0357% | 6,280 |
| Return on assets (ROA) | -0.0895% | 6,394 |
| Pretax return on assets | -0.2153% | 6,467 |
| Return on Equity (ROE) | -1.0992% | 6,414 |
| Retained earnings to average equity (ytd only) | -1.0992% | 6,068 |
| Net charge-offs to loans | 1.4906% | 998 |
| Credit loss provision to net charge-offs | 80.7579% | 3,746 |
| Earnings coverage of net charge-offs (x) | 0.6854% | 4,780 |
| Efficiency ratio | 69.5126% | 4,204 |
| Assets per employee ($millions) | 12.1065% | 145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0848% | 2,150 |
| Loan loss allowance to noncurrent loans | 48.5815% | 5,101 |
| Noncurrent assets plus other real estate owned to assets | 5.8940% | 957 |
| Noncurrent loans to loans | 4.2913% | 1,573 |
| Net loans and leases to total assets | 69.8300% | 2,250 |
| Net loans and leases to deposits | 86.9182% | 1,660 |
| Net loans and leases to core deposits | 167.5650% | 106 |
| Total domestic deposits to total assets | 80.3399% | 5,731 |
| Equity capital to assets | 8.6357% | 6,017 |
| Core capital (leverage) ratio | 7.4485% | 6,777 |
| Tier 1 risk-based capital ratio | 9.8617% | 7,018 |
| Total risk-based capital ratio | 12.5542% | 6,309 |
| Memoranda: | ||
| Average total assets | $1,135,098,000 | 587 |
| Average earning assets | $1,022,273,000 | 585 |
| Average equity | $92,432,000 | 742 |
| Average total loans | $817,910,330 | 521 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6136% | 4,888 |
| Cost of funding earning assets | 2.0531% | 142 |
| Net interest margin | 2.5605% | 7,156 |
| Noninterest income to average assets | -0.0553% | 7,362 |
| Noninterest expense to average assets | 1.5000% | 7,361 |
| Loan and lease loss provision to assets | 1.1604% | 611 |
| Net operating income to assets | -0.2951% | 6,657 |
| Return on assets (ROA) | -0.4159% | 6,758 |
| Pretax return on assets | -0.5731% | 6,799 |
| Return on Equity (ROE) | -5.2576% | 6,823 |
| Retained earnings to average equity (ytd only) | -5.2576% | 6,538 |
| Net charge-offs to loans | 1.5607% | 869 |
| Credit loss provision to net charge-offs | 102.6903% | 2,585 |
| Earnings coverage of net charge-offs (x) | 0.6662% | 4,128 |
| Efficiency ratio | 66.5849% | 4,932 |
| Assets per employee ($millions) | 12.4178% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 2,120 |
| Loan loss allowance to noncurrent loans | 57.5435% | 4,557 |
| Noncurrent assets plus other real estate owned to assets | 5.6253% | 1,059 |
| Noncurrent loans to loans | 3.7004% | 1,992 |
| Net loans and leases to total assets | 70.2495% | 2,081 |
| Net loans and leases to deposits | 88.4583% | 1,411 |
| Net loans and leases to core deposits | 172.9089% | 102 |
| Total domestic deposits to total assets | 79.4154% | 6,081 |
| Equity capital to assets | 8.0012% | 6,490 |
| Core capital (leverage) ratio | 7.0275% | 6,995 |
| Tier 1 risk-based capital ratio | 9.1874% | 7,200 |
| Total risk-based capital ratio | 11.7886% | 6,776 |
| Memoranda: | ||
| Average total assets | $1,157,853,000 | 580 |
| Average earning assets | $1,043,702,500 | 580 |
| Average equity | $91,601,000 | 739 |
| Average total loans | $838,336,000 | 520 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7632% | 5,566 |
| Cost of funding earning assets | 2.1455% | 368 |
| Net interest margin | 2.6177% | 7,190 |
| Noninterest income to average assets | 0.1739% | 6,499 |
| Noninterest expense to average assets | 2.1406% | 6,750 |
| Loan and lease loss provision to assets | 1.7523% | 801 |
| Net operating income to assets | -0.7587% | 6,556 |
| Return on assets (ROA) | -0.5561% | 6,451 |
| Pretax return on assets | -1.0019% | 6,641 |
| Return on Equity (ROE) | -7.6330% | 6,598 |
| Retained earnings to average equity (ytd only) | -7.6330% | 6,505 |
| Net charge-offs to loans | 2.3806% | 804 |
| Credit loss provision to net charge-offs | 101.9899% | 4,442 |
| Earnings coverage of net charge-offs (x) | 0.2526% | 5,857 |
| Efficiency ratio | 83.1448% | 2,037 |
| Assets per employee ($millions) | 12.0955% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0280% | 2,233 |
| Loan loss allowance to noncurrent loans | 81.4258% | 3,476 |
| Noncurrent assets plus other real estate owned to assets | 4.9300% | 1,303 |
| Noncurrent loans to loans | 2.4906% | 3,032 |
| Net loans and leases to total assets | 71.5336% | 2,194 |
| Net loans and leases to deposits | 89.9455% | 1,532 |
| Net loans and leases to core deposits | 203.2155% | 80 |
| Total domestic deposits to total assets | 79.5299% | 5,960 |
| Equity capital to assets | 7.8237% | 6,656 |
| Core capital (leverage) ratio | 6.5861% | 7,174 |
| Tier 1 risk-based capital ratio | 8.8285% | 7,271 |
| Total risk-based capital ratio | 11.3583% | 6,915 |
| Memoranda: | ||
| Average total assets | $1,284,032,000 | 524 |
| Average earning assets | $1,177,563,400 | 518 |
| Average equity | $93,553,800 | 713 |
| Average total loans | $926,707,600 | 488 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7519% | 5,844 |
| Cost of funding earning assets | 2.1458% | 457 |
| Net interest margin | 2.6060% | 7,312 |
| Noninterest income to average assets | 0.1472% | 6,809 |
| Noninterest expense to average assets | 1.9122% | 7,189 |
| Loan and lease loss provision to assets | 1.9264% | 630 |
| Net operating income to assets | -0.7361% | 6,754 |
| Return on assets (ROA) | -0.5398% | 6,674 |
| Pretax return on assets | -0.9865% | 6,852 |
| Return on Equity (ROE) | -7.5336% | 6,812 |
| Retained earnings to average equity (ytd only) | -7.5336% | 6,742 |
| Net charge-offs to loans | 2.7147% | 598 |
| Credit loss provision to net charge-offs | 98.5800% | 4,422 |
| Earnings coverage of net charge-offs (x) | 0.3241% | 5,705 |
| Efficiency ratio | 75.1228% | 3,124 |
| Assets per employee ($millions) | 12.7649% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8693% | 2,576 |
| Loan loss allowance to noncurrent loans | 69.9278% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 5.4768% | 1,127 |
| Noncurrent loans to loans | 2.6732% | 2,960 |
| Net loans and leases to total assets | 68.5197% | 3,092 |
| Net loans and leases to deposits | 84.9533% | 2,529 |
| Net loans and leases to core deposits | 204.8925% | 86 |
| Total domestic deposits to total assets | 80.6557% | 5,493 |
| Equity capital to assets | 7.4984% | 7,131 |
| Core capital (leverage) ratio | 7.1433% | 7,091 |
| Tier 1 risk-based capital ratio | 9.5118% | 7,253 |
| Total risk-based capital ratio | 11.9725% | 6,593 |
| Memoranda: | ||
| Average total assets | $1,311,724,000 | 510 |
| Average earning assets | $1,207,160,750 | 500 |
| Average equity | $93,994,000 | 713 |
| Average total loans | $944,221,750 | 474 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7316% | 6,036 |
| Cost of funding earning assets | 2.1261% | 604 |
| Net interest margin | 2.6055% | 7,343 |
| Noninterest income to average assets | 0.1286% | 6,950 |
| Noninterest expense to average assets | 1.9700% | 7,157 |
| Loan and lease loss provision to assets | 2.1889% | 548 |
| Net operating income to assets | -0.9300% | 6,914 |
| Return on assets (ROA) | -0.8144% | 6,880 |
| Pretax return on assets | -1.4371% | 7,057 |
| Return on Equity (ROE) | -11.5371% | 7,022 |
| Retained earnings to average equity (ytd only) | -11.5371% | 6,979 |
| Net charge-offs to loans | 2.9805% | 534 |
| Credit loss provision to net charge-offs | 101.0534% | 4,035 |
| Earnings coverage of net charge-offs (x) | 0.2637% | 5,461 |
| Efficiency ratio | 77.5214% | 2,806 |
| Assets per employee ($millions) | 13.6375% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8386% | 2,606 |
| Loan loss allowance to noncurrent loans | 57.6904% | 4,479 |
| Noncurrent assets plus other real estate owned to assets | 4.6920% | 1,380 |
| Noncurrent loans to loans | 3.1869% | 2,514 |
| Net loans and leases to total assets | 67.5627% | 3,481 |
| Net loans and leases to deposits | 86.6847% | 2,401 |
| Net loans and leases to core deposits | 222.8511% | 75 |
| Total domestic deposits to total assets | 77.9408% | 6,283 |
| Equity capital to assets | 6.7999% | 7,409 |
| Core capital (leverage) ratio | 6.8583% | 7,259 |
| Tier 1 risk-based capital ratio | 8.9347% | 7,426 |
| Total risk-based capital ratio | 11.3630% | 6,933 |
| Memoranda: | ||
| Average total assets | $1,323,468,670 | 504 |
| Average earning assets | $1,225,503,670 | 489 |
| Average equity | $93,420,000 | 706 |
| Average total loans | $961,859,670 | 466 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6888% | 6,283 |
| Cost of funding earning assets | 2.1328% | 731 |
| Net interest margin | 2.5560% | 7,423 |
| Noninterest income to average assets | 0.1233% | 7,068 |
| Noninterest expense to average assets | 1.7317% | 7,548 |
| Loan and lease loss provision to assets | 1.4924% | 783 |
| Net operating income to assets | -0.3843% | 6,745 |
| Return on assets (ROA) | -0.2394% | 6,662 |
| Pretax return on assets | -0.5013% | 6,783 |
| Return on Equity (ROE) | -3.3281% | 6,767 |
| Retained earnings to average equity (ytd only) | -3.3281% | 6,407 |
| Net charge-offs to loans | 1.3928% | 1,236 |
| Credit loss provision to net charge-offs | 143.5115% | 2,478 |
| Earnings coverage of net charge-offs (x) | 0.7352% | 4,369 |
| Efficiency ratio | 69.3738% | 4,431 |
| Assets per employee ($millions) | 13.6789% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9111% | 2,406 |
| Loan loss allowance to noncurrent loans | 63.6549% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 5.2260% | 1,204 |
| Noncurrent loans to loans | 3.0023% | 2,670 |
| Net loans and leases to total assets | 71.9796% | 2,451 |
| Net loans and leases to deposits | 97.7115% | 935 |
| Net loans and leases to core deposits | 257.2178% | 67 |
| Total domestic deposits to total assets | 73.6654% | 7,090 |
| Equity capital to assets | 7.1805% | 7,296 |
| Core capital (leverage) ratio | 7.2032% | 7,107 |
| Tier 1 risk-based capital ratio | 8.9588% | 7,487 |
| Total risk-based capital ratio | 11.3344% | 6,969 |
| Memoranda: | ||
| Average total assets | $1,310,146,000 | 522 |
| Average earning assets | $1,216,255,000 | 514 |
| Average equity | $94,227,000 | 705 |
| Average total loans | $978,160,000 | 479 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8595% | 6,812 |
| Cost of funding earning assets | 2.6169% | 740 |
| Net interest margin | 2.2427% | 7,625 |
| Noninterest income to average assets | 0.1312% | 7,100 |
| Noninterest expense to average assets | 1.4511% | 7,825 |
| Loan and lease loss provision to assets | 1.1545% | 1,982 |
| Net operating income to assets | -0.1661% | 5,790 |
| Return on assets (ROA) | -0.0254% | 5,573 |
| Pretax return on assets | -0.1526% | 5,648 |
| Return on Equity (ROE) | -0.3482% | 5,594 |
| Retained earnings to average equity (ytd only) | -0.3482% | 5,042 |
| Net charge-offs to loans | 1.1260% | 2,180 |
| Credit loss provision to net charge-offs | 133.7850% | 3,728 |
| Earnings coverage of net charge-offs (x) | 0.9062% | 5,207 |
| Efficiency ratio | 64.9789% | 5,587 |
| Assets per employee ($millions) | 13.2032% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7059% | 2,878 |
| Loan loss allowance to noncurrent loans | 47.8821% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 4.3552% | 1,496 |
| Noncurrent loans to loans | 3.5627% | 2,129 |
| Net loans and leases to total assets | 74.6492% | 2,107 |
| Net loans and leases to deposits | 104.7251% | 611 |
| Net loans and leases to core deposits | 123.1908% | 1,702 |
| Total domestic deposits to total assets | 71.2811% | 7,308 |
| Equity capital to assets | 7.2037% | 7,258 |
| Core capital (leverage) ratio | 7.2533% | 7,027 |
| Tier 1 risk-based capital ratio | 8.8359% | 7,526 |
| Total risk-based capital ratio | 11.1856% | 6,904 |
| Memoranda: | ||
| Average total assets | $1,265,625,400 | 534 |
| Average earning assets | $1,186,225,600 | 513 |
| Average equity | $92,198,000 | 704 |
| Average total loans | $969,942,200 | 488 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8374% | 7,032 |
| Cost of funding earning assets | 2.7457% | 694 |
| Net interest margin | 2.0917% | 7,772 |
| Noninterest income to average assets | 0.1298% | 7,234 |
| Noninterest expense to average assets | 1.5148% | 7,881 |
| Loan and lease loss provision to assets | 0.7861% | 2,405 |
| Net operating income to assets | -0.1419% | 5,972 |
| Return on assets (ROA) | 0.0725% | 5,593 |
| Pretax return on assets | 0.0054% | 5,694 |
| Return on Equity (ROE) | 0.9930% | 5,501 |
| Retained earnings to average equity (ytd only) | 0.9930% | 4,756 |
| Net charge-offs to loans | 0.9214% | 2,125 |
| Credit loss provision to net charge-offs | 111.0594% | 4,581 |
| Earnings coverage of net charge-offs (x) | 0.8153% | 5,235 |
| Efficiency ratio | 72.4129% | 4,171 |
| Assets per employee ($millions) | 13.1517% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 3,773 |
| Loan loss allowance to noncurrent loans | 64.4078% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 2.8865% | 2,406 |
| Noncurrent loans to loans | 2.2231% | 3,352 |
| Net loans and leases to total assets | 74.6754% | 2,319 |
| Net loans and leases to deposits | 107.0942% | 601 |
| Net loans and leases to core deposits | 117.6043% | 2,456 |
| Total domestic deposits to total assets | 69.7287% | 7,438 |
| Equity capital to assets | 7.5418% | 7,267 |
| Core capital (leverage) ratio | 7.5823% | 6,883 |
| Tier 1 risk-based capital ratio | 9.0537% | 7,598 |
| Total risk-based capital ratio | 11.4163% | 6,756 |
| Memoranda: | ||
| Average total assets | $1,255,253,000 | 548 |
| Average earning assets | $1,177,453,250 | 531 |
| Average equity | $91,707,250 | 709 |
| Average total loans | $964,256,500 | 510 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8412% | 7,146 |
| Cost of funding earning assets | 2.8986% | 611 |
| Net interest margin | 1.9427% | 7,893 |
| Noninterest income to average assets | 0.1365% | 7,276 |
| Noninterest expense to average assets | 1.5384% | 7,953 |
| Loan and lease loss provision to assets | 0.8329% | 2,010 |
| Net operating income to assets | -0.1975% | 6,184 |
| Return on assets (ROA) | -0.0214% | 5,949 |
| Pretax return on assets | -0.1403% | 6,056 |
| Return on Equity (ROE) | -0.2960% | 5,966 |
| Retained earnings to average equity (ytd only) | -0.2960% | 5,297 |
| Net charge-offs to loans | 0.5578% | 2,655 |
| Credit loss provision to net charge-offs | 193.4653% | 2,365 |
| Earnings coverage of net charge-offs (x) | 0.9694% | 4,804 |
| Efficiency ratio | 78.6601% | 3,243 |
| Assets per employee ($millions) | 12.3618% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 2,574 |
| Loan loss allowance to noncurrent loans | 69.2602% | 3,969 |
| Noncurrent assets plus other real estate owned to assets | 2.5219% | 2,551 |
| Noncurrent loans to loans | 2.3664% | 3,060 |
| Net loans and leases to total assets | 76.4468% | 2,068 |
| Net loans and leases to deposits | 105.2479% | 814 |
| Net loans and leases to core deposits | 114.1574% | 2,894 |
| Total domestic deposits to total assets | 72.6349% | 7,163 |
| Equity capital to assets | 7.2091% | 7,476 |
| Core capital (leverage) ratio | 7.3073% | 7,235 |
| Tier 1 risk-based capital ratio | 8.9172% | 7,737 |
| Total risk-based capital ratio | 11.3377% | 6,763 |
| Memoranda: | ||
| Average total assets | $1,244,049,670 | 567 |
| Average earning assets | $1,164,993,330 | 551 |
| Average equity | $89,875,330 | 730 |
| Average total loans | $960,193,670 | 530 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 7,300 |
| Cost of funding earning assets | 3.0736% | 497 |
| Net interest margin | 1.7701% | 7,978 |
| Noninterest income to average assets | 0.1337% | 7,336 |
| Noninterest expense to average assets | 1.5250% | 7,968 |
| Loan and lease loss provision to assets | 0.8490% | 1,533 |
| Net operating income to assets | -0.3094% | 6,691 |
| Return on assets (ROA) | -0.3061% | 6,764 |
| Pretax return on assets | -0.5862% | 6,891 |
| Return on Equity (ROE) | -4.2325% | 6,910 |
| Retained earnings to average equity (ytd only) | -4.2325% | 6,452 |
| Net charge-offs to loans | 0.0408% | 4,915 |
| Credit loss provision to net charge-offs | 2,703.0612% | 250 |
| Earnings coverage of net charge-offs (x) | 8.2041% | 2,227 |
| Efficiency ratio | 85.5448% | 2,128 |
| Assets per employee ($millions) | 12.8576% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6463% | 2,323 |
| Loan loss allowance to noncurrent loans | 94.5242% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 1.8579% | 3,135 |
| Noncurrent loans to loans | 1.7417% | 3,651 |
| Net loans and leases to total assets | 74.8882% | 2,532 |
| Net loans and leases to deposits | 100.2485% | 1,381 |
| Net loans and leases to core deposits | 108.3773% | 3,627 |
| Total domestic deposits to total assets | 74.7026% | 6,765 |
| Equity capital to assets | 7.1519% | 7,597 |
| Core capital (leverage) ratio | 7.1670% | 7,513 |
| Tier 1 risk-based capital ratio | 8.9279% | 7,829 |
| Total risk-based capital ratio | 11.3610% | 6,711 |
| Memoranda: | ||
| Average total assets | $1,247,983,500 | 567 |
| Average earning assets | $1,162,667,500 | 558 |
| Average equity | $90,254,500 | 734 |
| Average total loans | $959,906,500 | 534 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0124% | 5,489 |
| Cost of funding earning assets | 3.6431% | 328 |
| Net interest margin | 2.3693% | 7,872 |
| Noninterest income to average assets | 0.1100% | 7,581 |
| Noninterest expense to average assets | 1.3804% | 8,087 |
| Loan and lease loss provision to assets | 0.6596% | 2,202 |
| Net operating income to assets | 0.2674% | 5,656 |
| Return on assets (ROA) | 0.2696% | 5,463 |
| Pretax return on assets | 0.3172% | 5,475 |
| Return on Equity (ROE) | 3.4393% | 5,067 |
| Retained earnings to average equity (ytd only) | -3.2325% | 6,158 |
| Net charge-offs to loans | 0.3560% | 3,049 |
| Credit loss provision to net charge-offs | 237.2414% | 1,993 |
| Earnings coverage of net charge-offs (x) | 3.5044% | 4,336 |
| Efficiency ratio | 58.6239% | 6,590 |
| Assets per employee ($millions) | 12.6115% | 144 |
| Cash dividends to net income (ytd only)* | 193.9864% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3790% | 3,313 |
| Loan loss allowance to noncurrent loans | 119.0472% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 1.4072% | 3,385 |
| Noncurrent loans to loans | 1.1584% | 4,213 |
| Net loans and leases to total assets | 76.6350% | 2,465 |
| Net loans and leases to deposits | 97.2739% | 2,236 |
| Net loans and leases to core deposits | 103.6442% | 4,429 |
| Total domestic deposits to total assets | 78.7827% | 5,455 |
| Equity capital to assets | 7.3137% | 7,544 |
| Core capital (leverage) ratio | 7.4062% | 7,301 |
| Tier 1 risk-based capital ratio | 9.0050% | 7,775 |
| Total risk-based capital ratio | 11.4331% | 6,402 |
| Memoranda: | ||
| Average total assets | $1,147,392,600 | 580 |
| Average earning assets | $1,087,054,600 | 561 |
| Average equity | $89,930,400 | 742 |
| Average total loans | $896,124,800 | 546 |