Home > Park Sterling Bank > Performance and Condition Ratios
Park Sterling Bank, Performance and Condition Ratios
| 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 | 4.2916% | 2,288 |
| Cost of funding earning assets | 0.4420% | 2,790 |
| Net interest margin | 3.8497% | 2,226 |
| Noninterest income to average assets | 0.6719% | 2,117 |
| Noninterest expense to average assets | 2.4434% | 3,906 |
| Loan and lease loss provision to assets | 0.0132% | 3,883 |
| Net operating income to assets | 1.1337% | 1,939 |
| Return on assets (ROA) | 1.1353% | 1,991 |
| Pretax return on assets | 1.7057% | 1,108 |
| Return on Equity (ROE) | 8.9496% | 2,633 |
| Retained earnings to average equity (ytd only) | 5.2411% | 2,717 |
| Net charge-offs to loans | 0.0015% | 3,727 |
| Credit loss provision to net charge-offs | 1,203.7037% | 304 |
| Earnings coverage of net charge-offs (x) | 1,565.0350% | 55 |
| Efficiency ratio | 57.4054% | 4,572 |
| Assets per employee ($millions) | 6.4668% | 1,205 |
| Cash dividends to net income (ytd only)* | 41.4377% | 2,209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5109% | 5,450 |
| Loan loss allowance to noncurrent loans | 170.1548% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 0.3057% | 3,847 |
| Noncurrent loans to loans | 0.3003% | 3,865 |
| Net loans and leases to total assets | 74.6629% | 1,811 |
| Net loans and leases to deposits | 97.7225% | 945 |
| Net loans and leases to core deposits | 104.6344% | 1,349 |
| Total domestic deposits to total assets | 76.4030% | 4,971 |
| Equity capital to assets | 13.1914% | 1,297 |
| Core capital (leverage) ratio | 11.0942% | 2,376 |
| Tier 1 risk-based capital ratio | 13.4211% | 3,748 |
| Total risk-based capital ratio | 13.8883% | 4,137 |
| Memoranda: | ||
| Average total assets | $3,282,170,500 | 287 |
| Average earning assets | $2,973,835,250 | 284 |
| Average equity | $416,365,500 | 256 |
| Average total loans | $2,455,894,750 | 278 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2543% | 2,270 |
| Cost of funding earning assets | 0.4235% | 2,863 |
| Net interest margin | 3.8308% | 2,171 |
| Noninterest income to average assets | 0.6633% | 2,156 |
| Noninterest expense to average assets | 2.4560% | 3,903 |
| Loan and lease loss provision to assets | 0.0411% | 3,183 |
| Net operating income to assets | 1.0989% | 1,980 |
| Return on assets (ROA) | 1.1012% | 2,020 |
| Pretax return on assets | 1.6416% | 1,220 |
| Return on Equity (ROE) | 8.7959% | 2,607 |
| Retained earnings to average equity (ytd only) | 4.3689% | 3,103 |
| Net charge-offs to loans | 0.0082% | 3,163 |
| Credit loss provision to net charge-offs | 671.2871% | 518 |
| Earnings coverage of net charge-offs (x) | 274.0198% | 314 |
| Efficiency ratio | 58.0588% | 4,583 |
| Assets per employee ($millions) | 6.3909% | 1,214 |
| Cash dividends to net income (ytd only)* | 50.3306% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5070% | 5,511 |
| Loan loss allowance to noncurrent loans | 133.6209% | 3,007 |
| Noncurrent assets plus other real estate owned to assets | 0.3801% | 3,590 |
| Noncurrent loans to loans | 0.3794% | 3,663 |
| Net loans and leases to total assets | 74.7142% | 1,747 |
| Net loans and leases to deposits | 97.8924% | 903 |
| Net loans and leases to core deposits | 105.5213% | 1,264 |
| Total domestic deposits to total assets | 76.3227% | 5,050 |
| Equity capital to assets | 12.5659% | 1,589 |
| Core capital (leverage) ratio | 10.7669% | 2,631 |
| Tier 1 risk-based capital ratio | 12.8617% | 4,086 |
| Total risk-based capital ratio | 13.3302% | 4,455 |
| Memoranda: | ||
| Average total assets | $3,296,272,330 | 288 |
| Average earning assets | $2,987,521,670 | 284 |
| Average equity | $412,692,670 | 259 |
| Average total loans | $2,464,060,000 | 278 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1400% | 2,515 |
| Cost of funding earning assets | 0.3901% | 3,099 |
| Net interest margin | 3.7499% | 2,312 |
| Noninterest income to average assets | 0.6654% | 2,121 |
| Noninterest expense to average assets | 2.4808% | 3,872 |
| Loan and lease loss provision to assets | 0.0828% | 2,161 |
| Net operating income to assets | 0.9934% | 2,333 |
| Return on assets (ROA) | 0.9981% | 2,362 |
| Pretax return on assets | 1.5039% | 1,518 |
| Return on Equity (ROE) | 7.9866% | 2,926 |
| Retained earnings to average equity (ytd only) | 2.1493% | 4,281 |
| Net charge-offs to loans | -0.0049% | 4,178 |
| Credit loss provision to net charge-offs | -2,260.0000% | 4,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7330% | 4,492 |
| Assets per employee ($millions) | 6.2117% | 1,362 |
| Cash dividends to net income (ytd only)* | 73.0887% | 1,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5202% | 5,580 |
| Loan loss allowance to noncurrent loans | 133.4963% | 3,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3867% | 3,661 |
| Noncurrent loans to loans | 0.3897% | 3,711 |
| Net loans and leases to total assets | 74.2580% | 1,694 |
| Net loans and leases to deposits | 97.4974% | 810 |
| Net loans and leases to core deposits | 108.2398% | 959 |
| Total domestic deposits to total assets | 76.1640% | 5,214 |
| Equity capital to assets | 12.4383% | 1,578 |
| Core capital (leverage) ratio | 10.7385% | 2,652 |
| Tier 1 risk-based capital ratio | 12.7799% | 4,211 |
| Total risk-based capital ratio | 13.2627% | 4,605 |
| Memoranda: | ||
| Average total assets | $3,276,371,500 | 292 |
| Average earning assets | $2,966,247,000 | 289 |
| Average equity | $409,434,500 | 262 |
| Average total loans | $2,443,479,000 | 281 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 2,057 |
| Cost of funding earning assets | 0.4018% | 2,983 |
| Net interest margin | 3.9242% | 1,884 |
| Noninterest income to average assets | 0.6480% | 2,425 |
| Noninterest expense to average assets | 2.9774% | 2,418 |
| Loan and lease loss provision to assets | 0.0862% | 2,642 |
| Net operating income to assets | 0.8061% | 3,278 |
| Return on assets (ROA) | 0.8041% | 3,387 |
| Pretax return on assets | 1.1193% | 3,020 |
| Return on Equity (ROE) | 6.4089% | 3,787 |
| Retained earnings to average equity (ytd only) | 4.4623% | 2,737 |
| Net charge-offs to loans | -0.0193% | 5,116 |
| Credit loss provision to net charge-offs | -610.4408% | 5,209 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6964% | 2,958 |
| Assets per employee ($millions) | 6.0150% | 1,476 |
| Cash dividends to net income (ytd only)* | 30.3737% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5010% | 5,659 |
| Loan loss allowance to noncurrent loans | 122.6978% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 3,754 |
| Noncurrent loans to loans | 0.4083% | 3,683 |
| Net loans and leases to total assets | 74.1369% | 1,832 |
| Net loans and leases to deposits | 95.6333% | 1,030 |
| Net loans and leases to core deposits | 107.0831% | 1,063 |
| Total domestic deposits to total assets | 77.5220% | 5,048 |
| Equity capital to assets | 12.5558% | 1,484 |
| Core capital (leverage) ratio | 10.7718% | 2,561 |
| Tier 1 risk-based capital ratio | 12.9761% | 4,093 |
| Total risk-based capital ratio | 13.4404% | 4,465 |
| Memoranda: | ||
| Average total assets | $3,051,952,400 | 291 |
| Average earning assets | $2,751,372,400 | 289 |
| Average equity | $382,922,600 | 262 |
| Average total loans | $2,235,338,600 | 285 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3855% | 1,907 |
| Cost of funding earning assets | 0.4086% | 2,940 |
| Net interest margin | 3.9770% | 1,720 |
| Noninterest income to average assets | 0.7074% | 2,135 |
| Noninterest expense to average assets | 3.0283% | 2,236 |
| Loan and lease loss provision to assets | 0.0924% | 2,383 |
| Net operating income to assets | 0.8062% | 3,337 |
| Return on assets (ROA) | 0.8033% | 3,491 |
| Pretax return on assets | 1.1634% | 2,990 |
| Return on Equity (ROE) | 6.4039% | 3,877 |
| Retained earnings to average equity (ytd only) | 4.5202% | 3,124 |
| Net charge-offs to loans | -0.0284% | 5,144 |
| Credit loss provision to net charge-offs | -445.6103% | 5,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1958% | 3,017 |
| Assets per employee ($millions) | 5.9403% | 1,471 |
| Cash dividends to net income (ytd only)* | 29.4147% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4870% | 5,739 |
| Loan loss allowance to noncurrent loans | 130.2378% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3617% | 3,970 |
| Noncurrent loans to loans | 0.3740% | 3,924 |
| Net loans and leases to total assets | 73.6894% | 1,923 |
| Net loans and leases to deposits | 95.2285% | 1,123 |
| Net loans and leases to core deposits | 106.9894% | 1,111 |
| Total domestic deposits to total assets | 77.3816% | 5,017 |
| Equity capital to assets | 12.6766% | 1,664 |
| Core capital (leverage) ratio | 10.9981% | 2,448 |
| Tier 1 risk-based capital ratio | 12.9210% | 4,212 |
| Total risk-based capital ratio | 13.3685% | 4,626 |
| Memoranda: | ||
| Average total assets | $3,002,909,500 | 293 |
| Average earning assets | $2,703,766,250 | 293 |
| Average equity | $376,696,000 | 267 |
| Average total loans | $2,189,127,750 | 286 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5220% | 1,457 |
| Cost of funding earning assets | 0.4196% | 2,838 |
| Net interest margin | 4.1024% | 1,363 |
| Noninterest income to average assets | 0.6824% | 2,222 |
| Noninterest expense to average assets | 3.2065% | 1,792 |
| Loan and lease loss provision to assets | 0.0981% | 2,199 |
| Net operating income to assets | 0.7306% | 3,649 |
| Return on assets (ROA) | 0.7263% | 3,824 |
| Pretax return on assets | 1.0620% | 3,354 |
| Return on Equity (ROE) | 5.8124% | 4,132 |
| Retained earnings to average equity (ytd only) | 4.0714% | 3,313 |
| Net charge-offs to loans | -0.0349% | 5,203 |
| Credit loss provision to net charge-offs | -387.6011% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8956% | 2,673 |
| Assets per employee ($millions) | 5.9850% | 1,409 |
| Cash dividends to net income (ytd only)* | 29.9540% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4649% | 5,835 |
| Loan loss allowance to noncurrent loans | 209.7011% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 0.2663% | 4,433 |
| Noncurrent loans to loans | 0.2217% | 4,547 |
| Net loans and leases to total assets | 73.5298% | 1,926 |
| Net loans and leases to deposits | 93.8519% | 1,301 |
| Net loans and leases to core deposits | 105.2029% | 1,240 |
| Total domestic deposits to total assets | 78.3467% | 4,925 |
| Equity capital to assets | 12.7185% | 1,649 |
| Core capital (leverage) ratio | 10.8081% | 2,638 |
| Tier 1 risk-based capital ratio | 12.9895% | 4,205 |
| Total risk-based capital ratio | 13.4197% | 4,637 |
| Memoranda: | ||
| Average total assets | $2,930,662,330 | 297 |
| Average earning assets | $2,636,436,000 | 295 |
| Average equity | $366,214,000 | 273 |
| Average total loans | $2,124,119,330 | 291 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7479% | 955 |
| Cost of funding earning assets | 0.4362% | 2,712 |
| Net interest margin | 4.3117% | 911 |
| Noninterest income to average assets | 0.6708% | 2,171 |
| Noninterest expense to average assets | 3.6552% | 954 |
| Loan and lease loss provision to assets | 0.0791% | 2,382 |
| Net operating income to assets | 0.5479% | 4,432 |
| Return on assets (ROA) | 0.5473% | 4,540 |
| Pretax return on assets | 0.8138% | 4,153 |
| Return on Equity (ROE) | 4.4243% | 4,727 |
| Retained earnings to average equity (ytd only) | 2.5886% | 4,208 |
| Net charge-offs to loans | -0.0420% | 5,246 |
| Credit loss provision to net charge-offs | -262.2642% | 4,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9215% | 1,766 |
| Assets per employee ($millions) | 5.6977% | 1,667 |
| Cash dividends to net income (ytd only)* | 41.4913% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4300% | 5,927 |
| Loan loss allowance to noncurrent loans | 142.7410% | 2,866 |
| Noncurrent assets plus other real estate owned to assets | 0.3592% | 4,128 |
| Noncurrent loans to loans | 0.3012% | 4,348 |
| Net loans and leases to total assets | 72.3943% | 1,968 |
| Net loans and leases to deposits | 90.9014% | 1,469 |
| Net loans and leases to core deposits | 102.1074% | 1,325 |
| Total domestic deposits to total assets | 79.6405% | 4,828 |
| Equity capital to assets | 12.6522% | 1,585 |
| Core capital (leverage) ratio | 10.6201% | 2,826 |
| Tier 1 risk-based capital ratio | 12.9188% | 4,315 |
| Total risk-based capital ratio | 13.3106% | 4,796 |
| Memoranda: | ||
| Average total assets | $2,812,968,500 | 307 |
| Average earning assets | $2,530,122,000 | 306 |
| Average equity | $347,983,500 | 283 |
| Average total loans | $2,016,747,000 | 300 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0921% | 2,954 |
| Cost of funding earning assets | 0.2992% | 4,256 |
| Net interest margin | 3.7929% | 2,400 |
| Noninterest income to average assets | 0.7289% | 2,071 |
| Noninterest expense to average assets | 2.9401% | 2,726 |
| Loan and lease loss provision to assets | 0.0298% | 3,775 |
| Net operating income to assets | 0.8139% | 3,283 |
| Return on assets (ROA) | 0.8155% | 3,354 |
| Pretax return on assets | 1.1509% | 2,837 |
| Return on Equity (ROE) | 6.7874% | 3,625 |
| Retained earnings to average equity (ytd only) | 4.9393% | 2,460 |
| Net charge-offs to loans | -0.0016% | 4,858 |
| Credit loss provision to net charge-offs | -2,677.7778% | 5,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9969% | 3,228 |
| Assets per employee ($millions) | 5.2227% | 2,095 |
| Cash dividends to net income (ytd only)* | 27.2291% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 5,908 |
| Loan loss allowance to noncurrent loans | 165.4921% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.4405% | 3,850 |
| Noncurrent loans to loans | 0.3136% | 4,341 |
| Net loans and leases to total assets | 70.0458% | 2,359 |
| Net loans and leases to deposits | 88.6057% | 1,798 |
| Net loans and leases to core deposits | 98.5240% | 1,628 |
| Total domestic deposits to total assets | 79.0534% | 4,971 |
| Equity capital to assets | 12.0138% | 1,942 |
| Core capital (leverage) ratio | 10.6644% | 2,751 |
| Tier 1 risk-based capital ratio | 13.3965% | 4,055 |
| Total risk-based capital ratio | 13.8648% | 4,455 |
| Memoranda: | ||
| Average total assets | $2,427,362,200 | 330 |
| Average earning assets | $2,169,329,600 | 333 |
| Average equity | $291,641,800 | 309 |
| Average total loans | $1,667,465,000 | 327 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1279% | 2,817 |
| Cost of funding earning assets | 0.2874% | 4,475 |
| Net interest margin | 3.8405% | 2,234 |
| Noninterest income to average assets | 0.7106% | 2,182 |
| Noninterest expense to average assets | 2.9803% | 2,586 |
| Loan and lease loss provision to assets | 0.0173% | 3,929 |
| Net operating income to assets | 0.7974% | 3,437 |
| Return on assets (ROA) | 0.7995% | 3,526 |
| Pretax return on assets | 1.1414% | 3,049 |
| Return on Equity (ROE) | 6.6540% | 3,804 |
| Retained earnings to average equity (ytd only) | 4.7969% | 3,056 |
| Net charge-offs to loans | -0.0092% | 4,964 |
| Credit loss provision to net charge-offs | -275.4386% | 5,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6657% | 3,103 |
| Assets per employee ($millions) | 5.1039% | 2,173 |
| Cash dividends to net income (ytd only)* | 27.9102% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5126% | 6,008 |
| Loan loss allowance to noncurrent loans | 162.2193% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 3,661 |
| Noncurrent loans to loans | 0.3160% | 4,463 |
| Net loans and leases to total assets | 68.5360% | 2,598 |
| Net loans and leases to deposits | 87.0067% | 2,026 |
| Net loans and leases to core deposits | 97.0268% | 1,789 |
| Total domestic deposits to total assets | 78.7709% | 5,035 |
| Equity capital to assets | 11.9519% | 2,140 |
| Core capital (leverage) ratio | 10.5220% | 3,020 |
| Tier 1 risk-based capital ratio | 13.5233% | 4,128 |
| Total risk-based capital ratio | 13.9867% | 4,494 |
| Memoranda: | ||
| Average total assets | $2,414,003,750 | 336 |
| Average earning assets | $2,153,090,750 | 339 |
| Average equity | $290,042,750 | 314 |
| Average total loans | $1,647,641,750 | 334 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1675% | 2,656 |
| Cost of funding earning assets | 0.2745% | 4,675 |
| Net interest margin | 3.8930% | 2,003 |
| Noninterest income to average assets | 0.7118% | 2,169 |
| Noninterest expense to average assets | 3.0449% | 2,411 |
| Loan and lease loss provision to assets | 0.0262% | 3,611 |
| Net operating income to assets | 0.7610% | 3,586 |
| Return on assets (ROA) | 0.7610% | 3,687 |
| Pretax return on assets | 1.1035% | 3,162 |
| Return on Equity (ROE) | 6.3227% | 3,977 |
| Retained earnings to average equity (ytd only) | 4.4539% | 3,174 |
| Net charge-offs to loans | 0.0220% | 3,224 |
| Credit loss provision to net charge-offs | 175.4190% | 1,372 |
| Earnings coverage of net charge-offs (x) | 75.5307% | 738 |
| Efficiency ratio | 71.5478% | 3,062 |
| Assets per employee ($millions) | 4.8417% | 2,489 |
| Cash dividends to net income (ytd only)* | 29.5564% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5076% | 6,082 |
| Loan loss allowance to noncurrent loans | 152.7142% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.6296% | 3,533 |
| Noncurrent loans to loans | 0.3324% | 4,496 |
| Net loans and leases to total assets | 68.1490% | 2,617 |
| Net loans and leases to deposits | 88.3111% | 1,791 |
| Net loans and leases to core deposits | 98.8788% | 1,581 |
| Total domestic deposits to total assets | 77.1693% | 5,432 |
| Equity capital to assets | 11.9496% | 2,069 |
| Core capital (leverage) ratio | 10.6026% | 2,847 |
| Tier 1 risk-based capital ratio | 13.4861% | 4,230 |
| Total risk-based capital ratio | 13.9494% | 4,606 |
| Memoranda: | ||
| Average total assets | $2,393,544,330 | 336 |
| Average earning assets | $2,129,026,670 | 339 |
| Average equity | $288,105,670 | 318 |
| Average total loans | $1,628,432,670 | 336 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1866% | 2,512 |
| Cost of funding earning assets | 0.2718% | 4,764 |
| Net interest margin | 3.9148% | 1,841 |
| Noninterest income to average assets | 0.7536% | 1,892 |
| Noninterest expense to average assets | 3.1626% | 2,085 |
| Loan and lease loss provision to assets | 0.0303% | 3,284 |
| Net operating income to assets | 0.7278% | 3,654 |
| Return on assets (ROA) | 0.7278% | 3,792 |
| Pretax return on assets | 1.0355% | 3,359 |
| Return on Equity (ROE) | 6.0241% | 4,029 |
| Retained earnings to average equity (ytd only) | 4.1458% | 3,520 |
| Net charge-offs to loans | -0.0368% | 5,367 |
| Credit loss provision to net charge-offs | -121.6216% | 4,520 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4062% | 2,922 |
| Assets per employee ($millions) | 4.7492% | 2,687 |
| Cash dividends to net income (ytd only)* | 31.1791% | 2,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5287% | 6,150 |
| Loan loss allowance to noncurrent loans | 134.0721% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6970% | 3,398 |
| Noncurrent loans to loans | 0.3943% | 4,412 |
| Net loans and leases to total assets | 67.6587% | 2,505 |
| Net loans and leases to deposits | 85.5440% | 1,893 |
| Net loans and leases to core deposits | 94.9596% | 1,697 |
| Total domestic deposits to total assets | 79.0924% | 5,250 |
| Equity capital to assets | 12.0906% | 1,960 |
| Core capital (leverage) ratio | 10.8211% | 2,598 |
| Tier 1 risk-based capital ratio | 14.6436% | 3,626 |
| Total risk-based capital ratio | 15.1585% | 4,010 |
| Memoranda: | ||
| Average total assets | $2,372,620,500 | 339 |
| Average earning assets | $2,105,969,500 | 340 |
| Average equity | $286,648,500 | 319 |
| Average total loans | $1,608,567,000 | 336 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 2,109 |
| Cost of funding earning assets | 0.3357% | 4,422 |
| Net interest margin | 4.1008% | 1,573 |
| Noninterest income to average assets | 0.6039% | 2,834 |
| Noninterest expense to average assets | 3.3181% | 1,882 |
| Loan and lease loss provision to assets | -0.0592% | 6,062 |
| Net operating income to assets | 0.6654% | 4,062 |
| Return on assets (ROA) | 0.6623% | 4,175 |
| Pretax return on assets | 0.9412% | 3,729 |
| Return on Equity (ROE) | 5.3076% | 4,510 |
| Retained earnings to average equity (ytd only) | 3.9856% | 3,378 |
| Net charge-offs to loans | -0.0688% | 6,020 |
| Credit loss provision to net charge-offs | 129.2462% | 1,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5284% | 2,273 |
| Assets per employee ($millions) | 4.4128% | 3,168 |
| Cash dividends to net income (ytd only)* | 24.9079% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5189% | 6,235 |
| Loan loss allowance to noncurrent loans | 147.1416% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.7454% | 3,344 |
| Noncurrent loans to loans | 0.3526% | 4,602 |
| Net loans and leases to total assets | 67.2221% | 2,689 |
| Net loans and leases to deposits | 85.0192% | 2,096 |
| Net loans and leases to core deposits | 94.9033% | 1,826 |
| Total domestic deposits to total assets | 79.0670% | 5,235 |
| Equity capital to assets | 12.0723% | 1,964 |
| Core capital (leverage) ratio | 9.5630% | 4,156 |
| Tier 1 risk-based capital ratio | 12.6111% | 4,967 |
| Total risk-based capital ratio | 13.1053% | 5,365 |
| Memoranda: | ||
| Average total assets | $2,172,053,400 | 345 |
| Average earning assets | $1,907,105,800 | 357 |
| Average equity | $271,025,800 | 316 |
| Average total loans | $1,446,477,800 | 341 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 1,997 |
| Cost of funding earning assets | 0.3549% | 4,285 |
| Net interest margin | 4.1108% | 1,542 |
| Noninterest income to average assets | 0.6101% | 2,806 |
| Noninterest expense to average assets | 3.3302% | 1,839 |
| Loan and lease loss provision to assets | -0.0543% | 6,198 |
| Net operating income to assets | 0.6531% | 4,206 |
| Return on assets (ROA) | 0.6489% | 4,317 |
| Pretax return on assets | 0.9308% | 3,856 |
| Return on Equity (ROE) | 5.1541% | 4,648 |
| Retained earnings to average equity (ytd only) | 3.8161% | 3,939 |
| Net charge-offs to loans | -0.1676% | 6,271 |
| Credit loss provision to net charge-offs | 48.8713% | 3,123 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6812% | 2,234 |
| Assets per employee ($millions) | 4.3897% | 3,148 |
| Cash dividends to net income (ytd only)* | 25.9592% | 2,976 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 6,211 |
| Loan loss allowance to noncurrent loans | 112.8640% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9351% | 3,102 |
| Noncurrent loans to loans | 0.5382% | 4,323 |
| Net loans and leases to total assets | 66.7653% | 2,729 |
| Net loans and leases to deposits | 82.7132% | 2,334 |
| Net loans and leases to core deposits | 92.3301% | 2,005 |
| Total domestic deposits to total assets | 80.7190% | 4,914 |
| Equity capital to assets | 12.0785% | 1,989 |
| Core capital (leverage) ratio | 9.4610% | 4,425 |
| Tier 1 risk-based capital ratio | 12.4335% | 5,205 |
| Total risk-based capital ratio | 13.0051% | 5,562 |
| Memoranda: | ||
| Average total assets | $2,125,962,750 | 351 |
| Average earning assets | $1,863,144,000 | 358 |
| Average equity | $267,664,000 | 314 |
| Average total loans | $1,410,023,500 | 342 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4381% | 2,045 |
| Cost of funding earning assets | 0.3838% | 4,057 |
| Net interest margin | 4.0543% | 1,648 |
| Noninterest income to average assets | 0.6930% | 2,318 |
| Noninterest expense to average assets | 3.2230% | 2,119 |
| Loan and lease loss provision to assets | -0.0371% | 6,277 |
| Net operating income to assets | 0.7343% | 3,652 |
| Return on assets (ROA) | 0.7321% | 3,756 |
| Pretax return on assets | 1.0463% | 3,296 |
| Return on Equity (ROE) | 5.7275% | 4,313 |
| Retained earnings to average equity (ytd only) | 4.3700% | 3,396 |
| Net charge-offs to loans | -0.1481% | 6,266 |
| Credit loss provision to net charge-offs | 37.8968% | 2,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7784% | 2,845 |
| Assets per employee ($millions) | 4.1391% | 3,566 |
| Cash dividends to net income (ytd only)* | 23.7016% | 3,049 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6201% | 6,284 |
| Loan loss allowance to noncurrent loans | 153.4526% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 0.9874% | 3,082 |
| Noncurrent loans to loans | 0.4041% | 4,776 |
| Net loans and leases to total assets | 65.6864% | 2,807 |
| Net loans and leases to deposits | 78.6197% | 2,719 |
| Net loans and leases to core deposits | 88.1551% | 2,298 |
| Total domestic deposits to total assets | 83.5495% | 4,091 |
| Equity capital to assets | 12.4357% | 1,684 |
| Core capital (leverage) ratio | 9.8942% | 3,753 |
| Tier 1 risk-based capital ratio | 12.9254% | 4,958 |
| Total risk-based capital ratio | 13.5150% | 5,299 |
| Memoranda: | ||
| Average total assets | $2,062,029,670 | 360 |
| Average earning assets | $1,801,760,670 | 363 |
| Average equity | $263,568,670 | 314 |
| Average total loans | $1,361,058,670 | 349 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 2,124 |
| Cost of funding earning assets | 0.3934% | 4,049 |
| Net interest margin | 4.0100% | 1,722 |
| Noninterest income to average assets | 0.6632% | 2,383 |
| Noninterest expense to average assets | 3.1648% | 2,338 |
| Loan and lease loss provision to assets | -0.0034% | 6,374 |
| Net operating income to assets | 0.7056% | 3,658 |
| Return on assets (ROA) | 0.7056% | 3,735 |
| Pretax return on assets | 1.0056% | 3,302 |
| Return on Equity (ROE) | 5.4365% | 4,310 |
| Retained earnings to average equity (ytd only) | 4.0372% | 3,694 |
| Net charge-offs to loans | -0.1687% | 6,334 |
| Credit loss provision to net charge-offs | 3.0965% | 2,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7008% | 3,017 |
| Assets per employee ($millions) | 4.2526% | 3,437 |
| Cash dividends to net income (ytd only)* | 25.7397% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6955% | 6,290 |
| Loan loss allowance to noncurrent loans | 162.5067% | 2,509 |
| Noncurrent assets plus other real estate owned to assets | 1.0562% | 3,142 |
| Noncurrent loans to loans | 0.4280% | 4,858 |
| Net loans and leases to total assets | 64.8326% | 2,754 |
| Net loans and leases to deposits | 78.3423% | 2,502 |
| Net loans and leases to core deposits | 90.0377% | 1,901 |
| Total domestic deposits to total assets | 82.7556% | 4,688 |
| Equity capital to assets | 12.9187% | 1,341 |
| Core capital (leverage) ratio | 10.5568% | 2,860 |
| Tier 1 risk-based capital ratio | 14.2808% | 4,144 |
| Total risk-based capital ratio | 15.4324% | 4,151 |
| Memoranda: | ||
| Average total assets | $1,973,428,000 | 371 |
| Average earning assets | $1,724,282,500 | 380 |
| Average equity | $256,120,500 | 319 |
| Average total loans | $1,301,563,500 | 359 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5839% | 1,920 |
| Cost of funding earning assets | 0.3184% | 5,438 |
| Net interest margin | 4.2654% | 1,183 |
| Noninterest income to average assets | 0.8363% | 1,913 |
| Noninterest expense to average assets | 3.3099% | 2,117 |
| Loan and lease loss provision to assets | 0.0380% | 4,356 |
| Net operating income to assets | 0.8155% | 3,215 |
| Return on assets (ROA) | 0.8204% | 3,282 |
| Pretax return on assets | 1.1953% | 2,600 |
| Return on Equity (ROE) | 6.1523% | 3,998 |
| Retained earnings to average equity (ytd only) | 5.4688% | 2,297 |
| Net charge-offs to loans | 0.2262% | 2,650 |
| Credit loss provision to net charge-offs | 24.8088% | 4,354 |
| Earnings coverage of net charge-offs (x) | 8.0050% | 2,748 |
| Efficiency ratio | 71.8117% | 3,509 |
| Assets per employee ($millions) | 4.2536% | 3,348 |
| Cash dividends to net income (ytd only)* | 11.1084% | 4,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6802% | 6,370 |
| Loan loss allowance to noncurrent loans | 104.5708% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.1774% | 3,045 |
| Noncurrent loans to loans | 0.6505% | 4,343 |
| Net loans and leases to total assets | 66.1862% | 2,668 |
| Net loans and leases to deposits | 80.0698% | 2,450 |
| Net loans and leases to core deposits | 91.6205% | 1,830 |
| Total domestic deposits to total assets | 82.6606% | 4,658 |
| Equity capital to assets | 13.0398% | 1,259 |
| Core capital (leverage) ratio | 10.4046% | 3,017 |
| Tier 1 risk-based capital ratio | 13.6424% | 4,556 |
| Total risk-based capital ratio | 14.7655% | 4,588 |
| Memoranda: | ||
| Average total assets | $1,963,000,400 | 360 |
| Average earning assets | $1,702,683,200 | 370 |
| Average equity | $261,773,600 | 309 |
| Average total loans | $1,329,111,200 | 337 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5915% | 1,933 |
| Cost of funding earning assets | 0.2947% | 5,774 |
| Net interest margin | 4.2968% | 1,102 |
| Noninterest income to average assets | 0.8154% | 2,071 |
| Noninterest expense to average assets | 3.3537% | 1,931 |
| Loan and lease loss provision to assets | -0.0024% | 6,450 |
| Net operating income to assets | 0.7941% | 3,381 |
| Return on assets (ROA) | 0.8007% | 3,473 |
| Pretax return on assets | 1.1938% | 2,727 |
| Return on Equity (ROE) | 5.9716% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.5196% | 2,712 |
| Net charge-offs to loans | 0.2195% | 2,504 |
| Credit loss provision to net charge-offs | -1.5902% | 5,576 |
| Earnings coverage of net charge-offs (x) | 7.9187% | 2,701 |
| Efficiency ratio | 72.7929% | 3,264 |
| Assets per employee ($millions) | 4.2766% | 3,278 |
| Cash dividends to net income (ytd only)* | 7.5692% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 6,494 |
| Loan loss allowance to noncurrent loans | 121.2614% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 3,373 |
| Noncurrent loans to loans | 0.5408% | 4,841 |
| Net loans and leases to total assets | 67.9585% | 2,303 |
| Net loans and leases to deposits | 83.5731% | 1,928 |
| Net loans and leases to core deposits | 91.9930% | 1,766 |
| Total domestic deposits to total assets | 81.3163% | 5,129 |
| Equity capital to assets | 13.0185% | 1,327 |
| Core capital (leverage) ratio | 9.9159% | 3,790 |
| Tier 1 risk-based capital ratio | 13.2208% | 4,970 |
| Total risk-based capital ratio | 14.3262% | 5,025 |
| Memoranda: | ||
| Average total assets | $1,966,712,750 | 363 |
| Average earning assets | $1,702,625,500 | 370 |
| Average equity | $263,708,250 | 306 |
| Average total loans | $1,336,829,500 | 337 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5629% | 1,981 |
| Cost of funding earning assets | 0.3013% | 5,818 |
| Net interest margin | 4.2616% | 1,114 |
| Noninterest income to average assets | 0.9485% | 1,665 |
| Noninterest expense to average assets | 3.4879% | 1,632 |
| Loan and lease loss provision to assets | 0.0388% | 4,175 |
| Net operating income to assets | 0.7420% | 3,608 |
| Return on assets (ROA) | 0.7519% | 3,713 |
| Pretax return on assets | 1.1249% | 2,992 |
| Return on Equity (ROE) | 5.5548% | 4,422 |
| Retained earnings to average equity (ytd only) | 5.5548% | 2,701 |
| Net charge-offs to loans | 0.0633% | 3,802 |
| Credit loss provision to net charge-offs | 90.3529% | 2,432 |
| Earnings coverage of net charge-offs (x) | 26.7576% | 1,233 |
| Efficiency ratio | 74.0995% | 3,111 |
| Assets per employee ($millions) | 4.3368% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 6,308 |
| Loan loss allowance to noncurrent loans | 154.3398% | 2,459 |
| Noncurrent assets plus other real estate owned to assets | 1.1892% | 3,371 |
| Noncurrent loans to loans | 0.5342% | 4,928 |
| Net loans and leases to total assets | 66.5631% | 2,492 |
| Net loans and leases to deposits | 81.3344% | 2,138 |
| Net loans and leases to core deposits | 89.4491% | 1,960 |
| Total domestic deposits to total assets | 81.8388% | 5,099 |
| Equity capital to assets | 13.6931% | 1,055 |
| Core capital (leverage) ratio | 10.6451% | 2,725 |
| Tier 1 risk-based capital ratio | 14.3314% | 4,207 |
| Total risk-based capital ratio | 15.6033% | 4,145 |
| Memoranda: | ||
| Average total assets | $1,979,362,330 | 365 |
| Average earning assets | $1,713,163,670 | 365 |
| Average equity | $267,912,330 | 303 |
| Average total loans | $1,342,635,330 | 333 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 2,345 |
| Cost of funding earning assets | 0.3135% | 5,858 |
| Net interest margin | 4.1366% | 1,355 |
| Noninterest income to average assets | 0.9064% | 1,740 |
| Noninterest expense to average assets | 3.3856% | 1,864 |
| Loan and lease loss provision to assets | 0.0621% | 3,598 |
| Net operating income to assets | 0.6890% | 3,746 |
| Return on assets (ROA) | 0.6890% | 3,892 |
| Pretax return on assets | 1.0357% | 3,203 |
| Return on Equity (ROE) | 5.1199% | 4,503 |
| Retained earnings to average equity (ytd only) | 5.1199% | 3,158 |
| Net charge-offs to loans | 0.0445% | 3,404 |
| Credit loss provision to net charge-offs | 204.6358% | 1,066 |
| Earnings coverage of net charge-offs (x) | 36.1523% | 856 |
| Efficiency ratio | 74.3597% | 3,200 |
| Assets per employee ($millions) | 4.3721% | 3,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 6,454 |
| Loan loss allowance to noncurrent loans | 110.5068% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 1.5745% | 2,901 |
| Noncurrent loans to loans | 0.7251% | 4,679 |
| Net loans and leases to total assets | 67.6333% | 2,088 |
| Net loans and leases to deposits | 83.0043% | 1,711 |
| Net loans and leases to core deposits | 91.5908% | 1,547 |
| Total domestic deposits to total assets | 81.4818% | 5,369 |
| Equity capital to assets | 13.6952% | 1,138 |
| Core capital (leverage) ratio | 10.4848% | 2,800 |
| Tier 1 risk-based capital ratio | 13.7849% | 4,662 |
| Total risk-based capital ratio | 15.0171% | 4,643 |
| Memoranda: | ||
| Average total assets | $1,988,923,000 | 365 |
| Average earning assets | $1,719,866,500 | 373 |
| Average equity | $267,660,000 | 308 |
| Average total loans | $1,356,131,000 | 333 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 1,137 |
| Cost of funding earning assets | 0.5339% | 4,960 |
| Net interest margin | 4.6552% | 706 |
| Noninterest income to average assets | 0.8525% | 2,027 |
| Noninterest expense to average assets | 4.3046% | 679 |
| Loan and lease loss provision to assets | 0.1617% | 3,590 |
| Net operating income to assets | 0.2638% | 5,591 |
| Return on assets (ROA) | 0.2888% | 5,719 |
| Pretax return on assets | 0.4731% | 5,362 |
| Return on Equity (ROE) | 2.1599% | 5,855 |
| Retained earnings to average equity (ytd only) | 2.1599% | 4,712 |
| Net charge-offs to loans | 0.1842% | 3,910 |
| Credit loss provision to net charge-offs | 127.5536% | 2,210 |
| Earnings coverage of net charge-offs (x) | 4.6999% | 3,283 |
| Efficiency ratio | 86.9245% | 1,338 |
| Assets per employee ($millions) | 4.3895% | 3,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7726% | 6,537 |
| Loan loss allowance to noncurrent loans | 90.0212% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 1.8324% | 2,675 |
| Noncurrent loans to loans | 0.8582% | 4,465 |
| Net loans and leases to total assets | 67.6618% | 2,248 |
| Net loans and leases to deposits | 83.2369% | 1,847 |
| Net loans and leases to core deposits | 92.3783% | 1,605 |
| Total domestic deposits to total assets | 81.2882% | 5,312 |
| Equity capital to assets | 13.2250% | 1,344 |
| Core capital (leverage) ratio | 10.0876% | 3,290 |
| Tier 1 risk-based capital ratio | 13.2860% | 4,910 |
| Total risk-based capital ratio | 14.4896% | 4,880 |
| Memoranda: | ||
| Average total assets | $1,251,375,400 | 526 |
| Average earning assets | $1,088,094,000 | 545 |
| Average equity | $167,324,400 | 445 |
| Average total loans | $860,857,600 | 476 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0685% | 1,503 |
| Cost of funding earning assets | 0.6037% | 4,606 |
| Net interest margin | 4.4648% | 1,061 |
| Noninterest income to average assets | 0.8288% | 2,127 |
| Noninterest expense to average assets | 4.2082% | 714 |
| Loan and lease loss provision to assets | 0.1292% | 3,940 |
| Net operating income to assets | 0.2224% | 5,858 |
| Return on assets (ROA) | 0.2617% | 5,934 |
| Pretax return on assets | 0.4545% | 5,586 |
| Return on Equity (ROE) | 1.9473% | 6,038 |
| Retained earnings to average equity (ytd only) | 1.9473% | 5,355 |
| Net charge-offs to loans | 0.3591% | 2,665 |
| Credit loss provision to net charge-offs | 52.1013% | 4,346 |
| Earnings coverage of net charge-offs (x) | 2.1058% | 4,216 |
| Efficiency ratio | 88.1432% | 1,183 |
| Assets per employee ($millions) | 3.8913% | 4,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2890% | 4,861 |
| Loan loss allowance to noncurrent loans | 34.3083% | 5,924 |
| Noncurrent assets plus other real estate owned to assets | 3.7805% | 1,300 |
| Noncurrent loans to loans | 3.7570% | 1,417 |
| Net loans and leases to total assets | 66.8690% | 2,490 |
| Net loans and leases to deposits | 84.7826% | 1,767 |
| Net loans and leases to core deposits | 104.0069% | 866 |
| Total domestic deposits to total assets | 78.8711% | 5,903 |
| Equity capital to assets | 13.8525% | 1,217 |
| Core capital (leverage) ratio | 10.7094% | 2,690 |
| Tier 1 risk-based capital ratio | 14.3155% | 4,321 |
| Total risk-based capital ratio | 16.4259% | 3,674 |
| Memoranda: | ||
| Average total assets | $1,061,622,750 | 624 |
| Average earning assets | $927,741,500 | 649 |
| Average equity | $142,687,250 | 507 |
| Average total loans | $733,358,500 | 560 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2013% | 1,247 |
| Cost of funding earning assets | 0.6216% | 4,705 |
| Net interest margin | 4.5797% | 863 |
| Noninterest income to average assets | 0.8361% | 2,020 |
| Noninterest expense to average assets | 4.1100% | 825 |
| Loan and lease loss provision to assets | 0.1921% | 3,168 |
| Net operating income to assets | 0.3649% | 5,355 |
| Return on assets (ROA) | 0.4275% | 5,349 |
| Pretax return on assets | 0.6297% | 5,028 |
| Return on Equity (ROE) | 3.2129% | 5,602 |
| Retained earnings to average equity (ytd only) | 3.2129% | 4,476 |
| Net charge-offs to loans | 0.4718% | 2,176 |
| Credit loss provision to net charge-offs | 58.5673% | 3,838 |
| Earnings coverage of net charge-offs (x) | 2.2252% | 3,875 |
| Efficiency ratio | 84.1269% | 1,616 |
| Assets per employee ($millions) | 3.9568% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 4,835 |
| Loan loss allowance to noncurrent loans | 24.9030% | 6,366 |
| Noncurrent assets plus other real estate owned to assets | 4.9433% | 971 |
| Noncurrent loans to loans | 5.2757% | 907 |
| Net loans and leases to total assets | 66.5566% | 2,557 |
| Net loans and leases to deposits | 84.1261% | 1,836 |
| Net loans and leases to core deposits | 104.8523% | 801 |
| Total domestic deposits to total assets | 79.1153% | 5,941 |
| Equity capital to assets | 13.6107% | 1,261 |
| Core capital (leverage) ratio | 10.3375% | 3,002 |
| Tier 1 risk-based capital ratio | 14.0582% | 4,403 |
| Total risk-based capital ratio | 16.2086% | 3,745 |
| Memoranda: | ||
| Average total assets | $1,063,978,670 | 627 |
| Average earning assets | $930,198,000 | 649 |
| Average equity | $141,555,670 | 505 |
| Average total loans | $739,685,330 | 556 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5800% | 651 |
| Cost of funding earning assets | 0.6469% | 4,754 |
| Net interest margin | 4.9331% | 447 |
| Noninterest income to average assets | 0.7565% | 2,366 |
| Noninterest expense to average assets | 4.1264% | 802 |
| Loan and lease loss provision to assets | 0.0462% | 4,824 |
| Net operating income to assets | 0.5776% | 4,454 |
| Return on assets (ROA) | 0.5776% | 4,679 |
| Pretax return on assets | 0.8878% | 4,076 |
| Return on Equity (ROE) | 4.3917% | 5,099 |
| Retained earnings to average equity (ytd only) | 4.3917% | 3,960 |
| Net charge-offs to loans | 0.3842% | 2,157 |
| Credit loss provision to net charge-offs | 17.0596% | 3,821 |
| Earnings coverage of net charge-offs (x) | 3.4452% | 2,837 |
| Efficiency ratio | 80.7847% | 2,109 |
| Assets per employee ($millions) | 4.0892% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2985% | 5,029 |
| Loan loss allowance to noncurrent loans | 22.9309% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 5.4253% | 916 |
| Noncurrent loans to loans | 5.6627% | 925 |
| Net loans and leases to total assets | 67.5400% | 2,198 |
| Net loans and leases to deposits | 84.8640% | 1,549 |
| Net loans and leases to core deposits | 107.5787% | 624 |
| Total domestic deposits to total assets | 79.5862% | 5,951 |
| Equity capital to assets | 13.3517% | 1,293 |
| Core capital (leverage) ratio | 10.2818% | 3,017 |
| Tier 1 risk-based capital ratio | 13.6513% | 4,715 |
| Total risk-based capital ratio | 15.7700% | 4,045 |
| Memoranda: | ||
| Average total assets | $1,063,785,000 | 628 |
| Average earning assets | $928,092,500 | 649 |
| Average equity | $139,899,500 | 508 |
| Average total loans | $750,609,500 | 539 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0714% | 6,315 |
| Cost of funding earning assets | 1.0123% | 3,286 |
| Net interest margin | 3.0592% | 6,432 |
| Noninterest income to average assets | 0.2642% | 5,639 |
| Noninterest expense to average assets | 3.2824% | 2,580 |
| Loan and lease loss provision to assets | 1.4391% | 531 |
| Net operating income to assets | -0.8838% | 6,692 |
| Return on assets (ROA) | -0.8818% | 6,719 |
| Pretax return on assets | -1.6400% | 6,930 |
| Return on Equity (ROE) | -4.7340% | 6,515 |
| Retained earnings to average equity (ytd only) | -4.7340% | 6,426 |
| Net charge-offs to loans | 2.5290% | 460 |
| Credit loss provision to net charge-offs | 80.5234% | 4,424 |
| Earnings coverage of net charge-offs (x) | -0.1141% | 5,902 |
| Efficiency ratio | 106.2861% | 514 |
| Assets per employee ($millions) | 4.0780% | 3,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 4,771 |
| Loan loss allowance to noncurrent loans | 29.6666% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 4.6221% | 1,184 |
| Noncurrent loans to loans | 4.4724% | 1,335 |
| Net loans and leases to total assets | 71.7741% | 1,683 |
| Net loans and leases to deposits | 89.2324% | 1,236 |
| Net loans and leases to core deposits | 109.3475% | 643 |
| Total domestic deposits to total assets | 80.4350% | 5,614 |
| Equity capital to assets | 12.9461% | 1,518 |
| Core capital (leverage) ratio | 15.4824% | 531 |
| Tier 1 risk-based capital ratio | 12.3919% | 5,542 |
| Total risk-based capital ratio | 14.4952% | 4,860 |
| Memoranda: | ||
| Average total assets | $652,152,400 | 990 |
| Average earning assets | $599,934,800 | 978 |
| Average equity | $121,481,800 | 573 |
| Average total loans | $460,850,800 | 906 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9633% | 6,643 |
| Cost of funding earning assets | 1.1879% | 2,402 |
| Net interest margin | 2.7754% | 6,915 |
| Noninterest income to average assets | 0.0642% | 6,900 |
| Noninterest expense to average assets | 3.2577% | 2,641 |
| Loan and lease loss provision to assets | 1.9979% | 275 |
| Net operating income to assets | -1.6026% | 7,063 |
| Return on assets (ROA) | -1.5995% | 7,075 |
| Pretax return on assets | -2.5683% | 7,220 |
| Return on Equity (ROE) | -7.4973% | 6,793 |
| Retained earnings to average equity (ytd only) | -7.4973% | 6,738 |
| Net charge-offs to loans | 3.7656% | 187 |
| Credit loss provision to net charge-offs | 76.1458% | 4,274 |
| Earnings coverage of net charge-offs (x) | -0.2192% | 5,729 |
| Efficiency ratio | 121.4421% | 296 |
| Assets per employee ($millions) | 6.0918% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6647% | 1,172 |
| Loan loss allowance to noncurrent loans | 50.5553% | 4,973 |
| Noncurrent assets plus other real estate owned to assets | 4.9719% | 1,162 |
| Noncurrent loans to loans | 5.2709% | 1,152 |
| Net loans and leases to total assets | 71.0296% | 1,898 |
| Net loans and leases to deposits | 95.7689% | 712 |
| Net loans and leases to core deposits | 135.2501% | 203 |
| Total domestic deposits to total assets | 74.1677% | 6,737 |
| Equity capital to assets | 19.3976% | 289 |
| Core capital (leverage) ratio | 16.6654% | 427 |
| Tier 1 risk-based capital ratio | 20.8784% | 1,477 |
| Total risk-based capital ratio | 23.8025% | 1,185 |
| Memoranda: | ||
| Average total assets | $552,161,500 | 1,204 |
| Average earning assets | $520,896,250 | 1,154 |
| Average equity | $117,800,250 | 596 |
| Average total loans | $384,738,250 | 1,123 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9576% | 6,726 |
| Cost of funding earning assets | 1.2175% | 2,462 |
| Net interest margin | 2.7401% | 6,985 |
| Noninterest income to average assets | 0.0349% | 7,100 |
| Noninterest expense to average assets | 3.1028% | 3,243 |
| Loan and lease loss provision to assets | 2.7153% | 181 |
| Net operating income to assets | -1.9190% | 7,180 |
| Return on assets (ROA) | -1.9145% | 7,183 |
| Pretax return on assets | -3.1722% | 7,324 |
| Return on Equity (ROE) | -8.7381% | 6,894 |
| Retained earnings to average equity (ytd only) | -8.7381% | 6,809 |
| Net charge-offs to loans | 4.5401% | 156 |
| Credit loss provision to net charge-offs | 87.0552% | 3,551 |
| Earnings coverage of net charge-offs (x) | -0.1488% | 5,378 |
| Efficiency ratio | 117.5834% | 365 |
| Assets per employee ($millions) | 6.5224% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9524% | 937 |
| Loan loss allowance to noncurrent loans | 44.1111% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 5.4288% | 1,090 |
| Noncurrent loans to loans | 6.6930% | 805 |
| Net loans and leases to total assets | 69.3092% | 2,357 |
| Net loans and leases to deposits | 91.6975% | 1,093 |
| Net loans and leases to core deposits | 132.7089% | 243 |
| Total domestic deposits to total assets | 75.5846% | 6,659 |
| Equity capital to assets | 18.2447% | 365 |
| Core capital (leverage) ratio | 16.9158% | 410 |
| Tier 1 risk-based capital ratio | 22.3420% | 1,206 |
| Total risk-based capital ratio | 25.2970% | 984 |
| Memoranda: | ||
| Average total assets | $567,675,670 | 1,179 |
| Average earning assets | $539,467,000 | 1,126 |
| Average equity | $124,374,330 | 564 |
| Average total loans | $389,994,000 | 1,115 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0567% | 6,590 |
| Cost of funding earning assets | 1.2189% | 2,690 |
| Net interest margin | 2.8377% | 6,852 |
| Noninterest income to average assets | 0.0637% | 7,073 |
| Noninterest expense to average assets | 2.9269% | 3,961 |
| Loan and lease loss provision to assets | 3.0550% | 153 |
| Net operating income to assets | -1.9868% | 7,279 |
| Return on assets (ROA) | -1.9784% | 7,275 |
| Pretax return on assets | -3.1981% | 7,392 |
| Return on Equity (ROE) | -8.3878% | 6,972 |
| Retained earnings to average equity (ytd only) | -8.3878% | 6,775 |
| Net charge-offs to loans | 5.1948% | 141 |
| Credit loss provision to net charge-offs | 87.1800% | 2,991 |
| Earnings coverage of net charge-offs (x) | -0.0446% | 4,614 |
| Efficiency ratio | 105.6352% | 584 |
| Assets per employee ($millions) | 8.2402% | 436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0315% | 892 |
| Loan loss allowance to noncurrent loans | 34.5843% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 6.4468% | 868 |
| Noncurrent loans to loans | 8.7656% | 521 |
| Net loans and leases to total assets | 68.1806% | 2,508 |
| Net loans and leases to deposits | 89.3021% | 1,318 |
| Net loans and leases to core deposits | 131.5038% | 255 |
| Total domestic deposits to total assets | 76.3483% | 6,620 |
| Equity capital to assets | 17.8309% | 377 |
| Core capital (leverage) ratio | 15.7806% | 541 |
| Tier 1 risk-based capital ratio | 22.7963% | 1,111 |
| Total risk-based capital ratio | 25.7358% | 909 |
| Memoranda: | ||
| Average total assets | $584,096,500 | 1,149 |
| Average earning assets | $557,205,500 | 1,096 |
| Average equity | $137,772,000 | 509 |
| Average total loans | $394,008,000 | 1,114 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 6,496 |
| Cost of funding earning assets | 1.4984% | 2,647 |
| Net interest margin | 2.9609% | 6,805 |
| Noninterest income to average assets | -0.0400% | 7,346 |
| Noninterest expense to average assets | 1.9986% | 7,027 |
| Loan and lease loss provision to assets | 3.1673% | 283 |
| Net operating income to assets | -1.4661% | 6,901 |
| Return on assets (ROA) | -1.4638% | 6,918 |
| Pretax return on assets | -2.4022% | 7,134 |
| Return on Equity (ROE) | -7.8566% | 6,614 |
| Retained earnings to average equity (ytd only) | -7.8566% | 6,525 |
| Net charge-offs to loans | 3.0124% | 550 |
| Credit loss provision to net charge-offs | 141.9094% | 2,639 |
| Earnings coverage of net charge-offs (x) | 0.3412% | 5,763 |
| Efficiency ratio | 72.4070% | 3,719 |
| Assets per employee ($millions) | 9.9371% | 253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1073% | 794 |
| Loan loss allowance to noncurrent loans | 30.3684% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 6.8425% | 812 |
| Noncurrent loans to loans | 10.2321% | 405 |
| Net loans and leases to total assets | 62.8800% | 4,098 |
| Net loans and leases to deposits | 94.9941% | 956 |
| Net loans and leases to core deposits | 148.6389% | 182 |
| Total domestic deposits to total assets | 66.1936% | 7,384 |
| Equity capital to assets | 28.7454% | 87 |
| Core capital (leverage) ratio | 27.3923% | 100 |
| Tier 1 risk-based capital ratio | 40.2006% | 237 |
| Total risk-based capital ratio | 43.0692% | 208 |
| Memoranda: | ||
| Average total assets | $536,885,600 | 1,247 |
| Average earning assets | $507,750,800 | 1,210 |
| Average equity | $100,030,800 | 674 |
| Average total loans | $397,785,400 | 1,134 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6131% | 6,300 |
| Cost of funding earning assets | 1.5634% | 2,590 |
| Net interest margin | 3.0496% | 6,731 |
| Noninterest income to average assets | -0.0699% | 7,515 |
| Noninterest expense to average assets | 1.8490% | 7,270 |
| Loan and lease loss provision to assets | 2.2608% | 491 |
| Net operating income to assets | -0.8642% | 6,822 |
| Return on assets (ROA) | -0.8610% | 6,863 |
| Pretax return on assets | -1.3029% | 6,979 |
| Return on Equity (ROE) | -5.5123% | 6,686 |
| Retained earnings to average equity (ytd only) | -5.5123% | 6,597 |
| Net charge-offs to loans | 1.0135% | 1,985 |
| Credit loss provision to net charge-offs | 290.3311% | 1,104 |
| Earnings coverage of net charge-offs (x) | 1.2238% | 4,840 |
| Efficiency ratio | 65.9888% | 4,857 |
| Assets per employee ($millions) | 11.7155% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3069% | 632 |
| Loan loss allowance to noncurrent loans | 130.9500% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 1.8149% | 3,728 |
| Noncurrent loans to loans | 2.5253% | 3,096 |
| Net loans and leases to total assets | 60.7786% | 4,765 |
| Net loans and leases to deposits | 92.1732% | 1,422 |
| Net loans and leases to core deposits | 150.8093% | 190 |
| Total domestic deposits to total assets | 65.9396% | 7,474 |
| Equity capital to assets | 29.0604% | 92 |
| Core capital (leverage) ratio | 32.7962% | 71 |
| Tier 1 risk-based capital ratio | 43.0858% | 202 |
| Total risk-based capital ratio | 45.9889% | 182 |
| Memoranda: | ||
| Average total assets | $517,081,500 | 1,303 |
| Average earning assets | $486,953,750 | 1,279 |
| Average equity | $80,763,250 | 815 |
| Average total loans | $397,274,500 | 1,146 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0340% | 4,778 |
| Cost of funding earning assets | 1.6860% | 2,192 |
| Net interest margin | 3.3480% | 5,843 |
| Noninterest income to average assets | -0.0756% | 7,610 |
| Noninterest expense to average assets | 1.7954% | 7,391 |
| Loan and lease loss provision to assets | 1.0970% | 1,307 |
| Net operating income to assets | 0.1317% | 5,780 |
| Return on assets (ROA) | 0.1379% | 5,872 |
| Pretax return on assets | 0.1776% | 5,823 |
| Return on Equity (ROE) | 1.4224% | 5,826 |
| Retained earnings to average equity (ytd only) | 1.4224% | 5,163 |
| Net charge-offs to loans | 0.5303% | 2,946 |
| Credit loss provision to net charge-offs | 249.2877% | 1,545 |
| Earnings coverage of net charge-offs (x) | 2.8784% | 3,554 |
| Efficiency ratio | 58.6325% | 6,287 |
| Assets per employee ($millions) | 9.9656% | 260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2470% | 1,675 |
| Loan loss allowance to noncurrent loans | 137.3431% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.4474% | 4,287 |
| Noncurrent loans to loans | 1.6361% | 4,256 |
| Net loans and leases to total assets | 79.9490% | 807 |
| Net loans and leases to deposits | 94.8068% | 1,172 |
| Net loans and leases to core deposits | 164.3452% | 154 |
| Total domestic deposits to total assets | 84.3283% | 3,941 |
| Equity capital to assets | 9.5615% | 4,614 |
| Core capital (leverage) ratio | 9.2628% | 4,188 |
| Tier 1 risk-based capital ratio | 10.5880% | 6,617 |
| Total risk-based capital ratio | 13.4985% | 5,054 |
| Memoranda: | ||
| Average total assets | $478,563,000 | 1,430 |
| Average earning assets | $448,510,330 | 1,382 |
| Average equity | $46,402,000 | 1,451 |
| Average total loans | $397,146,670 | 1,161 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1274% | 4,410 |
| Cost of funding earning assets | 1.7249% | 2,271 |
| Net interest margin | 3.4026% | 5,570 |
| Noninterest income to average assets | 0.0177% | 7,601 |
| Noninterest expense to average assets | 1.7243% | 7,554 |
| Loan and lease loss provision to assets | 1.2928% | 936 |
| Net operating income to assets | 0.1215% | 5,959 |
| Return on assets (ROA) | 0.1326% | 6,037 |
| Pretax return on assets | 0.1824% | 5,936 |
| Return on Equity (ROE) | 1.3576% | 6,012 |
| Retained earnings to average equity (ytd only) | 1.3576% | 5,267 |
| Net charge-offs to loans | 0.5585% | 2,403 |
| Credit loss provision to net charge-offs | 276.8535% | 1,432 |
| Earnings coverage of net charge-offs (x) | 3.1266% | 3,009 |
| Efficiency ratio | 54.1501% | 6,956 |
| Assets per employee ($millions) | 10.3098% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1242% | 1,903 |
| Loan loss allowance to noncurrent loans | 379.3572% | 828 |
| Noncurrent assets plus other real estate owned to assets | 1.1123% | 4,928 |
| Noncurrent loans to loans | 0.5599% | 6,178 |
| Net loans and leases to total assets | 81.4170% | 659 |
| Net loans and leases to deposits | 98.2064% | 892 |
| Net loans and leases to core deposits | 176.7795% | 139 |
| Total domestic deposits to total assets | 82.9040% | 4,677 |
| Equity capital to assets | 9.7883% | 4,129 |
| Core capital (leverage) ratio | 9.5273% | 3,728 |
| Tier 1 risk-based capital ratio | 10.7821% | 6,363 |
| Total risk-based capital ratio | 13.6884% | 4,754 |
| Memoranda: | ||
| Average total assets | $473,687,500 | 1,479 |
| Average earning assets | $440,845,500 | 1,442 |
| Average equity | $46,258,000 | 1,456 |
| Average total loans | $396,032,000 | 1,190 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9639% | 6,544 |
| Cost of funding earning assets | 2.1291% | 2,330 |
| Net interest margin | 2.8348% | 7,000 |
| Noninterest income to average assets | 0.0105% | 7,657 |
| Noninterest expense to average assets | 1.7430% | 7,663 |
| Loan and lease loss provision to assets | 0.7147% | 2,973 |
| Net operating income to assets | 0.1800% | 4,965 |
| Return on assets (ROA) | 0.1260% | 5,184 |
| Pretax return on assets | 0.1782% | 5,052 |
| Return on Equity (ROE) | 1.2626% | 5,151 |
| Retained earnings to average equity (ytd only) | 1.2626% | 4,158 |
| Net charge-offs to loans | 0.3702% | 4,364 |
| Credit loss provision to net charge-offs | 227.5382% | 1,633 |
| Earnings coverage of net charge-offs (x) | 3.0848% | 3,524 |
| Efficiency ratio | 64.2719% | 5,726 |
| Assets per employee ($millions) | 11.0029% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 2,371 |
| Loan loss allowance to noncurrent loans | 275.2696% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.8960% | 5,309 |
| Noncurrent loans to loans | 0.6764% | 5,883 |
| Net loans and leases to total assets | 82.4649% | 618 |
| Net loans and leases to deposits | 99.3608% | 956 |
| Net loans and leases to core deposits | 135.5586% | 971 |
| Total domestic deposits to total assets | 82.9954% | 4,522 |
| Equity capital to assets | 9.7427% | 4,085 |
| Core capital (leverage) ratio | 9.3996% | 3,832 |
| Tier 1 risk-based capital ratio | 10.6589% | 6,242 |
| Total risk-based capital ratio | 13.5529% | 4,641 |
| Memoranda: | ||
| Average total assets | $457,843,200 | 1,510 |
| Average earning assets | $436,293,200 | 1,451 |
| Average equity | $45,698,600 | 1,472 |
| Average total loans | $388,442,000 | 1,237 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8895% | 6,908 |
| Cost of funding earning assets | 2.2207% | 2,311 |
| Net interest margin | 2.6688% | 7,268 |
| Noninterest income to average assets | 0.0100% | 7,805 |
| Noninterest expense to average assets | 1.7326% | 7,727 |
| Loan and lease loss provision to assets | 0.5445% | 3,211 |
| Net operating income to assets | 0.2053% | 5,134 |
| Return on assets (ROA) | 0.1348% | 5,431 |
| Pretax return on assets | 0.1965% | 5,310 |
| Return on Equity (ROE) | 1.3421% | 5,391 |
| Retained earnings to average equity (ytd only) | 1.3421% | 4,570 |
| Net charge-offs to loans | 0.1315% | 5,383 |
| Credit loss provision to net charge-offs | 486.6142% | 812 |
| Earnings coverage of net charge-offs (x) | 7.5354% | 2,389 |
| Efficiency ratio | 67.2671% | 5,124 |
| Assets per employee ($millions) | 11.4805% | 193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7899% | 2,311 |
| Loan loss allowance to noncurrent loans | 6,400.9091% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 6,824 |
| Noncurrent loans to loans | 0.0280% | 7,450 |
| Net loans and leases to total assets | 82.0780% | 798 |
| Net loans and leases to deposits | 99.2550% | 1,183 |
| Net loans and leases to core deposits | 128.4194% | 1,542 |
| Total domestic deposits to total assets | 82.6941% | 4,366 |
| Equity capital to assets | 9.8179% | 4,325 |
| Core capital (leverage) ratio | 9.4941% | 3,915 |
| Tier 1 risk-based capital ratio | 10.7793% | 6,186 |
| Total risk-based capital ratio | 13.7009% | 4,536 |
| Memoranda: | ||
| Average total assets | $454,022,750 | 1,541 |
| Average earning assets | $436,491,250 | 1,461 |
| Average equity | $45,599,500 | 1,500 |
| Average total loans | $386,161,500 | 1,264 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 7,170 |
| Cost of funding earning assets | 2.3076% | 2,332 |
| Net interest margin | 2.5241% | 7,457 |
| Noninterest income to average assets | 0.0036% | 7,929 |
| Noninterest expense to average assets | 1.7321% | 7,801 |
| Loan and lease loss provision to assets | 0.3140% | 4,060 |
| Net operating income to assets | 0.2543% | 5,070 |
| Return on assets (ROA) | 0.1534% | 5,506 |
| Pretax return on assets | 0.2350% | 5,373 |
| Return on Equity (ROE) | 1.5156% | 5,451 |
| Retained earnings to average equity (ytd only) | 1.5156% | 4,482 |
| Net charge-offs to loans | 0.0240% | 6,154 |
| Credit loss provision to net charge-offs | 1,530.4348% | 328 |
| Earnings coverage of net charge-offs (x) | 34.3261% | 911 |
| Efficiency ratio | 71.0965% | 4,577 |
| Assets per employee ($millions) | 11.5320% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5848% | 2,809 |
| Loan loss allowance to noncurrent loans | 496.0956% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.3054% | 6,700 |
| Noncurrent loans to loans | 0.3195% | 6,713 |
| Net loans and leases to total assets | 81.7733% | 993 |
| Net loans and leases to deposits | 98.3696% | 1,472 |
| Net loans and leases to core deposits | 123.3712% | 2,082 |
| Total domestic deposits to total assets | 83.1286% | 4,182 |
| Equity capital to assets | 9.5214% | 4,585 |
| Core capital (leverage) ratio | 9.7172% | 3,610 |
| Tier 1 risk-based capital ratio | 10.6191% | 6,264 |
| Total risk-based capital ratio | 13.5236% | 4,616 |
| Memoranda: | ||
| Average total assets | $448,463,330 | 1,576 |
| Average earning assets | $432,230,330 | 1,496 |
| Average equity | $45,395,000 | 1,517 |
| Average total loans | $383,754,330 | 1,290 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8064% | 7,361 |
| Cost of funding earning assets | 2.5217% | 1,836 |
| Net interest margin | 2.2847% | 7,731 |
| Noninterest income to average assets | -0.0055% | 8,090 |
| Noninterest expense to average assets | 1.6860% | 7,839 |
| Loan and lease loss provision to assets | 0.2604% | 3,877 |
| Net operating income to assets | 0.1705% | 5,753 |
| Return on assets (ROA) | 0.1705% | 5,921 |
| Pretax return on assets | 0.2494% | 5,825 |
| Return on Equity (ROE) | 1.6322% | 5,907 |
| Retained earnings to average equity (ytd only) | 1.6322% | 4,931 |
| Net charge-offs to loans | 0.0485% | 4,803 |
| Credit loss provision to net charge-offs | 617.3913% | 920 |
| Earnings coverage of net charge-offs (x) | 12.0870% | 1,827 |
| Efficiency ratio | 76.7850% | 3,358 |
| Assets per employee ($millions) | 10.8415% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 2,991 |
| Loan loss allowance to noncurrent loans | 259.2411% | 1,301 |
| Noncurrent assets plus other real estate owned to assets | 0.6443% | 5,557 |
| Noncurrent loans to loans | 0.5786% | 5,954 |
| Net loans and leases to total assets | 85.7868% | 478 |
| Net loans and leases to deposits | 103.3561% | 1,063 |
| Net loans and leases to core deposits | 125.5093% | 1,953 |
| Total domestic deposits to total assets | 83.0012% | 4,149 |
| Equity capital to assets | 10.2296% | 3,732 |
| Core capital (leverage) ratio | 10.1277% | 3,265 |
| Tier 1 risk-based capital ratio | 10.7061% | 6,181 |
| Total risk-based capital ratio | 11.9582% | 6,085 |
| Memoranda: | ||
| Average total assets | $436,289,500 | 1,629 |
| Average earning assets | $420,358,000 | 1,550 |
| Average equity | $45,583,500 | 1,512 |
| Average total loans | $379,202,000 | 1,317 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1343% | 4,870 |
| Cost of funding earning assets | 3.1969% | 1,203 |
| Net interest margin | 2.9374% | 7,058 |
| Noninterest income to average assets | 0.0106% | 8,063 |
| Noninterest expense to average assets | 2.0953% | 7,249 |
| Loan and lease loss provision to assets | 0.7509% | 1,988 |
| Net operating income to assets | 0.4563% | 4,921 |
| Return on assets (ROA) | 0.4563% | 4,753 |
| Pretax return on assets | 0.0041% | 6,146 |
| Return on Equity (ROE) | 3.5702% | 5,009 |
| Retained earnings to average equity (ytd only) | 3.5702% | 2,923 |
| Net charge-offs to loans | 0.1222% | 5,022 |
| Credit loss provision to net charge-offs | 680.2139% | 623 |
| Earnings coverage of net charge-offs (x) | 6.8396% | 3,254 |
| Efficiency ratio | 73.5114% | 3,661 |
| Assets per employee ($millions) | 10.1923% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4997% | 2,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3343% | 6,266 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 85.4297% | 671 |
| Net loans and leases to deposits | 104.0922% | 1,331 |
| Net loans and leases to core deposits | 124.8358% | 2,264 |
| Total domestic deposits to total assets | 82.0712% | 4,172 |
| Equity capital to assets | 10.6747% | 3,314 |
| Core capital (leverage) ratio | 10.7058% | 2,816 |
| Tier 1 risk-based capital ratio | 10.9183% | 5,799 |
| Total risk-based capital ratio | 12.1701% | 5,713 |
| Memoranda: | ||
| Average total assets | $338,800,200 | 1,962 |
| Average earning assets | $327,536,800 | 1,865 |
| Average equity | $43,303,400 | 1,556 |
| Average total loans | $306,063,400 | 1,582 |