Home > Patriot Bank > Performance and Condition Ratios
Patriot Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7797% | 4,159 |
| Cost of funding earning assets | 0.7478% | 655 |
| Net interest margin | 3.0319% | 5,122 |
| Noninterest income to average assets | 0.8106% | 1,770 |
| Noninterest expense to average assets | 2.7899% | 3,230 |
| Loan and lease loss provision to assets | -0.0375% | 5,888 |
| Net operating income to assets | 0.6083% | 4,343 |
| Return on assets (ROA) | 0.6704% | 4,144 |
| Pretax return on assets | 0.9945% | 3,634 |
| Return on Equity (ROE) | 6.2971% | 4,009 |
| Retained earnings to average equity (ytd only) | 6.2971% | 2,066 |
| Net charge-offs to loans | -0.0271% | 5,310 |
| Credit loss provision to net charge-offs | 190.7767% | 1,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0622% | 2,238 |
| Assets per employee ($millions) | 11.2105% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 4,739 |
| Loan loss allowance to noncurrent loans | 307.4866% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 1,887 |
| Noncurrent loans to loans | 0.3256% | 4,439 |
| Net loans and leases to total assets | 75.2947% | 1,494 |
| Net loans and leases to deposits | 101.5704% | 570 |
| Net loans and leases to core deposits | 112.6426% | 730 |
| Total domestic deposits to total assets | 74.1306% | 5,699 |
| Equity capital to assets | 10.6258% | 3,442 |
| Core capital (leverage) ratio | 10.3301% | 3,220 |
| Tier 1 risk-based capital ratio | 11.4053% | 5,422 |
| Total risk-based capital ratio | 12.2587% | 5,557 |
| Memoranda: | ||
| Average total assets | $1,398,053,500 | 509 |
| Average earning assets | $1,311,197,250 | 496 |
| Average equity | $148,848,250 | 511 |
| Average total loans | $1,012,206,500 | 476 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7018% | 4,401 |
| Cost of funding earning assets | 0.7671% | 594 |
| Net interest margin | 2.9347% | 5,372 |
| Noninterest income to average assets | 0.8065% | 1,750 |
| Noninterest expense to average assets | 2.7392% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5535% | 4,545 |
| Return on assets (ROA) | 0.6066% | 4,424 |
| Pretax return on assets | 0.8974% | 3,969 |
| Return on Equity (ROE) | 5.6936% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.6936% | 2,413 |
| Net charge-offs to loans | 0.0594% | 2,537 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 19.3754% | 1,752 |
| Efficiency ratio | 76.6791% | 2,253 |
| Assets per employee ($millions) | 8.0324% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0602% | 4,536 |
| Loan loss allowance to noncurrent loans | 299.5293% | 1,623 |
| Noncurrent assets plus other real estate owned to assets | 1.3672% | 1,834 |
| Noncurrent loans to loans | 0.3540% | 4,434 |
| Net loans and leases to total assets | 73.0774% | 1,806 |
| Net loans and leases to deposits | 92.9600% | 1,257 |
| Net loans and leases to core deposits | 104.1511% | 1,177 |
| Total domestic deposits to total assets | 78.6117% | 5,172 |
| Equity capital to assets | 10.8305% | 3,076 |
| Core capital (leverage) ratio | 10.4940% | 2,960 |
| Tier 1 risk-based capital ratio | 11.5266% | 5,443 |
| Total risk-based capital ratio | 12.3977% | 5,566 |
| Memoranda: | ||
| Average total assets | $1,385,758,000 | 514 |
| Average earning assets | $1,299,469,330 | 500 |
| Average equity | $147,639,670 | 515 |
| Average total loans | $985,822,330 | 484 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6559% | 4,515 |
| Cost of funding earning assets | 0.7958% | 515 |
| Net interest margin | 2.8600% | 5,533 |
| Noninterest income to average assets | 0.8378% | 1,581 |
| Noninterest expense to average assets | 2.7922% | 3,278 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4921% | 4,721 |
| Return on assets (ROA) | 0.5966% | 4,402 |
| Pretax return on assets | 0.8842% | 3,947 |
| Return on Equity (ROE) | 5.6463% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.6463% | 2,682 |
| Net charge-offs to loans | 0.1768% | 1,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 5.9042% | 2,346 |
| Efficiency ratio | 79.0094% | 2,038 |
| Assets per employee ($millions) | 7.8805% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 4,565 |
| Loan loss allowance to noncurrent loans | 319.0206% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 1.4441% | 1,829 |
| Noncurrent loans to loans | 0.3420% | 4,560 |
| Net loans and leases to total assets | 70.6399% | 2,050 |
| Net loans and leases to deposits | 87.5570% | 1,664 |
| Net loans and leases to core deposits | 98.0134% | 1,472 |
| Total domestic deposits to total assets | 80.6788% | 4,894 |
| Equity capital to assets | 10.7940% | 3,199 |
| Core capital (leverage) ratio | 10.2665% | 3,257 |
| Tier 1 risk-based capital ratio | 11.8184% | 5,361 |
| Total risk-based capital ratio | 12.7096% | 5,492 |
| Memoranda: | ||
| Average total assets | $1,387,848,500 | 516 |
| Average earning assets | $1,301,803,000 | 499 |
| Average equity | $146,643,500 | 520 |
| Average total loans | $968,513,500 | 488 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9035% | 4,113 |
| Cost of funding earning assets | 0.8322% | 557 |
| Net interest margin | 3.0713% | 5,274 |
| Noninterest income to average assets | 1.1786% | 868 |
| Noninterest expense to average assets | 3.1963% | 2,223 |
| Loan and lease loss provision to assets | -0.0944% | 6,136 |
| Net operating income to assets | 0.6453% | 4,168 |
| Return on assets (ROA) | 0.7174% | 3,915 |
| Pretax return on assets | 1.0857% | 3,141 |
| Return on Equity (ROE) | 6.7539% | 3,763 |
| Retained earnings to average equity (ytd only) | 5.3326% | 2,388 |
| Net charge-offs to loans | 0.2122% | 1,972 |
| Credit loss provision to net charge-offs | -64.3998% | 5,452 |
| Earnings coverage of net charge-offs (x) | 6.0206% | 3,290 |
| Efficiency ratio | 77.9030% | 2,222 |
| Assets per employee ($millions) | 8.3106% | 476 |
| Cash dividends to net income (ytd only)* | 21.0438% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1603% | 4,225 |
| Loan loss allowance to noncurrent loans | 190.1437% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 1.7941% | 1,459 |
| Noncurrent loans to loans | 0.6102% | 3,850 |
| Net loans and leases to total assets | 67.3990% | 2,669 |
| Net loans and leases to deposits | 84.9045% | 2,112 |
| Net loans and leases to core deposits | 95.3720% | 1,774 |
| Total domestic deposits to total assets | 79.3821% | 5,169 |
| Equity capital to assets | 10.3439% | 3,673 |
| Core capital (leverage) ratio | 10.1081% | 3,427 |
| Tier 1 risk-based capital ratio | 12.1469% | 5,266 |
| Total risk-based capital ratio | 13.1148% | 5,359 |
| Memoranda: | ||
| Average total assets | $1,324,784,200 | 515 |
| Average earning assets | $1,250,814,200 | 501 |
| Average equity | $140,719,600 | 519 |
| Average total loans | $914,550,800 | 491 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8999% | 4,177 |
| Cost of funding earning assets | 0.8251% | 608 |
| Net interest margin | 3.0748% | 5,323 |
| Noninterest income to average assets | 1.2743% | 750 |
| Noninterest expense to average assets | 3.2748% | 1,958 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6006% | 4,446 |
| Return on assets (ROA) | 0.6669% | 4,219 |
| Pretax return on assets | 1.0080% | 3,562 |
| Return on Equity (ROE) | 6.2348% | 4,115 |
| Retained earnings to average equity (ytd only) | 6.2348% | 2,258 |
| Net charge-offs to loans | 0.2437% | 1,576 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.3759% | 3,275 |
| Efficiency ratio | 77.8646% | 2,200 |
| Assets per employee ($millions) | 6.4247% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3226% | 3,535 |
| Loan loss allowance to noncurrent loans | 128.8945% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 2.1983% | 1,255 |
| Noncurrent loans to loans | 1.0261% | 3,019 |
| Net loans and leases to total assets | 68.9739% | 2,374 |
| Net loans and leases to deposits | 87.0237% | 1,786 |
| Net loans and leases to core deposits | 97.5760% | 1,548 |
| Total domestic deposits to total assets | 79.2587% | 5,270 |
| Equity capital to assets | 10.4668% | 3,607 |
| Core capital (leverage) ratio | 10.3127% | 3,276 |
| Tier 1 risk-based capital ratio | 12.7121% | 5,034 |
| Total risk-based capital ratio | 13.8742% | 5,008 |
| Memoranda: | ||
| Average total assets | $1,304,858,000 | 520 |
| Average earning assets | $1,234,049,250 | 505 |
| Average equity | $139,579,750 | 524 |
| Average total loans | $903,757,750 | 492 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9033% | 4,122 |
| Cost of funding earning assets | 0.8231% | 638 |
| Net interest margin | 3.0803% | 5,314 |
| Noninterest income to average assets | 1.1232% | 938 |
| Noninterest expense to average assets | 3.1918% | 2,219 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5547% | 4,572 |
| Return on assets (ROA) | 0.6335% | 4,289 |
| Pretax return on assets | 0.9591% | 3,650 |
| Return on Equity (ROE) | 5.8773% | 4,226 |
| Retained earnings to average equity (ytd only) | 5.8773% | 2,397 |
| Net charge-offs to loans | 0.3541% | 1,160 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 3.4353% | 3,312 |
| Efficiency ratio | 78.7680% | 2,198 |
| Assets per employee ($millions) | 5.4537% | 1,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3604% | 3,541 |
| Loan loss allowance to noncurrent loans | 180.3172% | 2,335 |
| Noncurrent assets plus other real estate owned to assets | 3.1150% | 813 |
| Noncurrent loans to loans | 0.7545% | 3,815 |
| Net loans and leases to total assets | 70.2465% | 2,037 |
| Net loans and leases to deposits | 89.8642% | 1,385 |
| Net loans and leases to core deposits | 98.7977% | 1,387 |
| Total domestic deposits to total assets | 78.1697% | 5,608 |
| Equity capital to assets | 10.7525% | 3,144 |
| Core capital (leverage) ratio | 10.7748% | 2,648 |
| Tier 1 risk-based capital ratio | 13.3046% | 4,717 |
| Total risk-based capital ratio | 14.5517% | 4,654 |
| Memoranda: | ||
| Average total assets | $1,283,660,330 | 527 |
| Average earning assets | $1,212,038,670 | 512 |
| Average equity | $138,362,000 | 527 |
| Average total loans | $886,168,670 | 495 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 4,166 |
| Cost of funding earning assets | 0.8534% | 575 |
| Net interest margin | 3.0272% | 5,454 |
| Noninterest income to average assets | 0.7951% | 1,771 |
| Noninterest expense to average assets | 2.8671% | 3,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5241% | 4,574 |
| Return on assets (ROA) | 0.6374% | 4,103 |
| Pretax return on assets | 0.9647% | 3,460 |
| Return on Equity (ROE) | 5.9059% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.9059% | 2,587 |
| Net charge-offs to loans | 0.6869% | 531 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.7005% | 3,036 |
| Efficiency ratio | 77.9855% | 2,476 |
| Assets per employee ($millions) | 5.4439% | 1,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4664% | 3,300 |
| Loan loss allowance to noncurrent loans | 82.9656% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 3.5045% | 744 |
| Noncurrent loans to loans | 1.7674% | 2,179 |
| Net loans and leases to total assets | 68.2288% | 2,187 |
| Net loans and leases to deposits | 86.0884% | 1,599 |
| Net loans and leases to core deposits | 92.4741% | 1,688 |
| Total domestic deposits to total assets | 79.2543% | 5,640 |
| Equity capital to assets | 10.9569% | 2,759 |
| Core capital (leverage) ratio | 10.5931% | 2,817 |
| Tier 1 risk-based capital ratio | 14.0600% | 4,291 |
| Total risk-based capital ratio | 15.3113% | 4,227 |
| Memoranda: | ||
| Average total assets | $1,268,315,500 | 535 |
| Average earning assets | $1,200,441,000 | 517 |
| Average equity | $136,880,000 | 535 |
| Average total loans | $861,243,500 | 504 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,917 |
| Cost of funding earning assets | 1.0819% | 313 |
| Net interest margin | 2.9696% | 5,641 |
| Noninterest income to average assets | 2.3621% | 304 |
| Noninterest expense to average assets | 4.1643% | 721 |
| Loan and lease loss provision to assets | 0.0286% | 4,542 |
| Net operating income to assets | 0.6212% | 4,159 |
| Return on assets (ROA) | 0.6560% | 4,107 |
| Pretax return on assets | 0.9931% | 3,377 |
| Return on Equity (ROE) | 6.0193% | 4,071 |
| Retained earnings to average equity (ytd only) | 6.0193% | 1,955 |
| Net charge-offs to loans | 0.1486% | 3,317 |
| Credit loss provision to net charge-offs | 27.5157% | 4,299 |
| Earnings coverage of net charge-offs (x) | 9.3176% | 2,523 |
| Efficiency ratio | 80.8702% | 2,038 |
| Assets per employee ($millions) | 5.3740% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6868% | 2,443 |
| Loan loss allowance to noncurrent loans | 68.1940% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 3.6633% | 769 |
| Noncurrent loans to loans | 2.4735% | 1,537 |
| Net loans and leases to total assets | 65.4531% | 2,781 |
| Net loans and leases to deposits | 79.9596% | 2,461 |
| Net loans and leases to core deposits | 84.1710% | 2,661 |
| Total domestic deposits to total assets | 81.8576% | 4,923 |
| Equity capital to assets | 10.6290% | 3,003 |
| Core capital (leverage) ratio | 10.6305% | 2,751 |
| Tier 1 risk-based capital ratio | 14.3662% | 4,036 |
| Total risk-based capital ratio | 15.6201% | 3,980 |
| Memoranda: | ||
| Average total assets | $1,223,141,400 | 537 |
| Average earning assets | $1,141,385,800 | 519 |
| Average equity | $133,304,000 | 541 |
| Average total loans | $855,954,200 | 484 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 3,809 |
| Cost of funding earning assets | 1.1206% | 277 |
| Net interest margin | 2.9688% | 5,669 |
| Noninterest income to average assets | 2.7400% | 262 |
| Noninterest expense to average assets | 4.5078% | 514 |
| Loan and lease loss provision to assets | 0.0386% | 4,240 |
| Net operating income to assets | 0.6287% | 4,224 |
| Return on assets (ROA) | 0.6626% | 4,191 |
| Pretax return on assets | 1.0036% | 3,490 |
| Return on Equity (ROE) | 6.0406% | 4,168 |
| Retained earnings to average equity (ytd only) | 6.0406% | 2,384 |
| Net charge-offs to loans | 0.3907% | 1,640 |
| Credit loss provision to net charge-offs | 13.9220% | 4,165 |
| Earnings coverage of net charge-offs (x) | 3.5784% | 3,662 |
| Efficiency ratio | 81.7399% | 1,860 |
| Assets per employee ($millions) | 5.2577% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5347% | 3,310 |
| Loan loss allowance to noncurrent loans | 49.3408% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 4.4095% | 687 |
| Noncurrent loans to loans | 3.1104% | 1,277 |
| Net loans and leases to total assets | 67.5355% | 2,366 |
| Net loans and leases to deposits | 79.5339% | 2,476 |
| Net loans and leases to core deposits | 83.4878% | 2,710 |
| Total domestic deposits to total assets | 84.9141% | 3,784 |
| Equity capital to assets | 10.8150% | 2,941 |
| Core capital (leverage) ratio | 10.4682% | 3,038 |
| Tier 1 risk-based capital ratio | 14.0931% | 4,362 |
| Total risk-based capital ratio | 15.3451% | 4,305 |
| Memoranda: | ||
| Average total assets | $1,210,515,750 | 543 |
| Average earning assets | $1,124,819,500 | 527 |
| Average equity | $132,786,000 | 548 |
| Average total loans | $857,957,250 | 488 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 3,541 |
| Cost of funding earning assets | 1.1527% | 252 |
| Net interest margin | 2.9964% | 5,575 |
| Noninterest income to average assets | 2.6794% | 292 |
| Noninterest expense to average assets | 4.6497% | 470 |
| Loan and lease loss provision to assets | 0.0417% | 4,120 |
| Net operating income to assets | 0.5016% | 4,787 |
| Return on assets (ROA) | 0.5528% | 4,708 |
| Pretax return on assets | 0.8362% | 4,176 |
| Return on Equity (ROE) | 5.0153% | 4,723 |
| Retained earnings to average equity (ytd only) | 5.0153% | 3,047 |
| Net charge-offs to loans | 0.4650% | 1,417 |
| Credit loss provision to net charge-offs | 12.5000% | 3,863 |
| Earnings coverage of net charge-offs (x) | 2.4015% | 3,718 |
| Efficiency ratio | 85.0723% | 1,521 |
| Assets per employee ($millions) | 4.5857% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 3,373 |
| Loan loss allowance to noncurrent loans | 84.8124% | 3,879 |
| Noncurrent assets plus other real estate owned to assets | 4.7528% | 668 |
| Noncurrent loans to loans | 1.8254% | 2,602 |
| Net loans and leases to total assets | 70.5167% | 1,800 |
| Net loans and leases to deposits | 83.5569% | 1,860 |
| Net loans and leases to core deposits | 86.9919% | 2,232 |
| Total domestic deposits to total assets | 84.3937% | 4,168 |
| Equity capital to assets | 10.9121% | 2,835 |
| Core capital (leverage) ratio | 10.7606% | 2,606 |
| Tier 1 risk-based capital ratio | 13.5918% | 4,717 |
| Total risk-based capital ratio | 14.8437% | 4,673 |
| Memoranda: | ||
| Average total assets | $1,200,413,330 | 549 |
| Average earning assets | $1,109,915,670 | 530 |
| Average equity | $132,316,330 | 551 |
| Average total loans | $860,257,330 | 482 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1979% | 3,311 |
| Cost of funding earning assets | 1.1830% | 247 |
| Net interest margin | 3.0149% | 5,526 |
| Noninterest income to average assets | 2.6082% | 303 |
| Noninterest expense to average assets | 4.6162% | 490 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5123% | 4,597 |
| Return on assets (ROA) | 0.5123% | 4,743 |
| Pretax return on assets | 0.7742% | 4,281 |
| Return on Equity (ROE) | 4.6243% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.6243% | 3,459 |
| Net charge-offs to loans | 0.1749% | 2,346 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.1738% | 2,262 |
| Efficiency ratio | 85.3891% | 1,599 |
| Assets per employee ($millions) | 4.2986% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 2,779 |
| Loan loss allowance to noncurrent loans | 134.0464% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 4.4285% | 844 |
| Noncurrent loans to loans | 1.3102% | 3,597 |
| Net loans and leases to total assets | 70.2783% | 1,616 |
| Net loans and leases to deposits | 84.3992% | 1,546 |
| Net loans and leases to core deposits | 88.0755% | 1,901 |
| Total domestic deposits to total assets | 83.2689% | 4,770 |
| Equity capital to assets | 11.2262% | 2,710 |
| Core capital (leverage) ratio | 10.3711% | 2,940 |
| Tier 1 risk-based capital ratio | 13.6396% | 4,766 |
| Total risk-based capital ratio | 14.8942% | 4,727 |
| Memoranda: | ||
| Average total assets | $1,193,020,000 | 556 |
| Average earning assets | $1,100,923,000 | 545 |
| Average equity | $132,172,500 | 558 |
| Average total loans | $855,189,000 | 488 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2084% | 4,559 |
| Cost of funding earning assets | 1.2340% | 494 |
| Net interest margin | 2.9744% | 6,095 |
| Noninterest income to average assets | 2.3114% | 351 |
| Noninterest expense to average assets | 4.5048% | 572 |
| Loan and lease loss provision to assets | 0.1494% | 3,741 |
| Net operating income to assets | 0.2725% | 5,565 |
| Return on assets (ROA) | 0.3767% | 5,424 |
| Pretax return on assets | 0.5694% | 5,081 |
| Return on Equity (ROE) | 3.5669% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.5669% | 3,700 |
| Net charge-offs to loans | 0.3043% | 3,122 |
| Credit loss provision to net charge-offs | 70.6064% | 4,137 |
| Earnings coverage of net charge-offs (x) | 2.6512% | 4,104 |
| Efficiency ratio | 88.6676% | 1,177 |
| Assets per employee ($millions) | 4.4590% | 3,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 2,720 |
| Loan loss allowance to noncurrent loans | 77.7976% | 3,985 |
| Noncurrent assets plus other real estate owned to assets | 5.7512% | 627 |
| Noncurrent loans to loans | 2.2631% | 2,390 |
| Net loans and leases to total assets | 70.5635% | 1,735 |
| Net loans and leases to deposits | 84.4253% | 1,710 |
| Net loans and leases to core deposits | 89.3859% | 1,912 |
| Total domestic deposits to total assets | 83.5809% | 4,508 |
| Equity capital to assets | 10.9341% | 3,033 |
| Core capital (leverage) ratio | 10.1931% | 3,152 |
| Tier 1 risk-based capital ratio | 13.4460% | 4,794 |
| Total risk-based capital ratio | 14.7018% | 4,745 |
| Memoranda: | ||
| Average total assets | $1,223,346,400 | 537 |
| Average earning assets | $1,132,851,800 | 523 |
| Average equity | $129,188,600 | 557 |
| Average total loans | $850,907,200 | 482 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 4,753 |
| Cost of funding earning assets | 1.2384% | 580 |
| Net interest margin | 2.9795% | 6,205 |
| Noninterest income to average assets | 2.3549% | 332 |
| Noninterest expense to average assets | 4.4544% | 570 |
| Loan and lease loss provision to assets | 0.1984% | 3,097 |
| Net operating income to assets | 0.3080% | 5,588 |
| Return on assets (ROA) | 0.3886% | 5,511 |
| Pretax return on assets | 0.5874% | 5,208 |
| Return on Equity (ROE) | 3.7124% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.7124% | 4,273 |
| Net charge-offs to loans | 0.4530% | 2,294 |
| Credit loss provision to net charge-offs | 63.4943% | 4,061 |
| Earnings coverage of net charge-offs (x) | 2.1233% | 4,206 |
| Efficiency ratio | 86.7794% | 1,319 |
| Assets per employee ($millions) | 4.9360% | 2,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7396% | 2,998 |
| Loan loss allowance to noncurrent loans | 70.8660% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 5.7520% | 723 |
| Noncurrent loans to loans | 2.4547% | 2,345 |
| Net loans and leases to total assets | 68.9150% | 2,130 |
| Net loans and leases to deposits | 83.0921% | 1,987 |
| Net loans and leases to core deposits | 88.0353% | 2,210 |
| Total domestic deposits to total assets | 82.9382% | 4,660 |
| Equity capital to assets | 10.7205% | 3,589 |
| Core capital (leverage) ratio | 9.9357% | 3,638 |
| Tier 1 risk-based capital ratio | 13.1654% | 5,119 |
| Total risk-based capital ratio | 14.4204% | 5,082 |
| Memoranda: | ||
| Average total assets | $1,228,202,500 | 537 |
| Average earning assets | $1,138,996,000 | 527 |
| Average equity | $128,576,250 | 561 |
| Average total loans | $847,445,500 | 486 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 4,841 |
| Cost of funding earning assets | 1.2430% | 675 |
| Net interest margin | 2.9884% | 6,268 |
| Noninterest income to average assets | 2.1779% | 354 |
| Noninterest expense to average assets | 4.1713% | 759 |
| Loan and lease loss provision to assets | 0.2973% | 2,202 |
| Net operating income to assets | 0.3219% | 5,534 |
| Return on assets (ROA) | 0.4097% | 5,415 |
| Pretax return on assets | 0.6176% | 5,078 |
| Return on Equity (ROE) | 3.9455% | 5,291 |
| Retained earnings to average equity (ytd only) | 3.9455% | 3,991 |
| Net charge-offs to loans | 0.7161% | 1,546 |
| Credit loss provision to net charge-offs | 60.5098% | 3,783 |
| Earnings coverage of net charge-offs (x) | 1.5912% | 4,200 |
| Efficiency ratio | 83.9513% | 1,639 |
| Assets per employee ($millions) | 5.1156% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7900% | 2,884 |
| Loan loss allowance to noncurrent loans | 84.3194% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 5.6769% | 768 |
| Noncurrent loans to loans | 2.1229% | 2,799 |
| Net loans and leases to total assets | 65.2913% | 2,804 |
| Net loans and leases to deposits | 79.1151% | 2,509 |
| Net loans and leases to core deposits | 84.1035% | 2,678 |
| Total domestic deposits to total assets | 82.5269% | 4,942 |
| Equity capital to assets | 10.4205% | 3,786 |
| Core capital (leverage) ratio | 9.9322% | 3,510 |
| Tier 1 risk-based capital ratio | 13.1695% | 5,063 |
| Total risk-based capital ratio | 14.4247% | 5,034 |
| Memoranda: | ||
| Average total assets | $1,229,558,330 | 539 |
| Average earning assets | $1,141,901,000 | 527 |
| Average equity | $127,690,330 | 565 |
| Average total loans | $843,744,670 | 490 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1975% | 5,112 |
| Cost of funding earning assets | 1.2584% | 751 |
| Net interest margin | 2.9391% | 6,413 |
| Noninterest income to average assets | 1.7766% | 487 |
| Noninterest expense to average assets | 3.9787% | 958 |
| Loan and lease loss provision to assets | 0.1636% | 3,346 |
| Net operating income to assets | 0.2492% | 5,825 |
| Return on assets (ROA) | 0.3412% | 5,684 |
| Pretax return on assets | 0.5142% | 5,378 |
| Return on Equity (ROE) | 3.2911% | 5,596 |
| Retained earnings to average equity (ytd only) | 3.2911% | 4,594 |
| Net charge-offs to loans | 0.2304% | 2,774 |
| Credit loss provision to net charge-offs | 101.8330% | 2,258 |
| Earnings coverage of net charge-offs (x) | 3.3523% | 2,871 |
| Efficiency ratio | 87.7906% | 1,304 |
| Assets per employee ($millions) | 4.9709% | 2,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9332% | 2,577 |
| Loan loss allowance to noncurrent loans | 44.8140% | 5,360 |
| Noncurrent assets plus other real estate owned to assets | 7.0781% | 597 |
| Noncurrent loans to loans | 4.3139% | 1,385 |
| Net loans and leases to total assets | 66.3526% | 2,400 |
| Net loans and leases to deposits | 81.7460% | 1,969 |
| Net loans and leases to core deposits | 87.0623% | 2,173 |
| Total domestic deposits to total assets | 81.1693% | 5,554 |
| Equity capital to assets | 10.4109% | 3,606 |
| Core capital (leverage) ratio | 9.8853% | 3,519 |
| Tier 1 risk-based capital ratio | 13.3035% | 4,977 |
| Total risk-based capital ratio | 14.5607% | 4,963 |
| Memoranda: | ||
| Average total assets | $1,222,797,500 | 542 |
| Average earning assets | $1,140,203,500 | 524 |
| Average equity | $126,768,000 | 564 |
| Average total loans | $852,409,000 | 480 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4653% | 5,201 |
| Cost of funding earning assets | 1.3854% | 1,100 |
| Net interest margin | 3.0799% | 6,385 |
| Noninterest income to average assets | 1.3556% | 706 |
| Noninterest expense to average assets | 3.2298% | 2,768 |
| Loan and lease loss provision to assets | 0.9817% | 970 |
| Net operating income to assets | 0.0440% | 5,973 |
| Return on assets (ROA) | 0.1044% | 5,974 |
| Pretax return on assets | 0.1561% | 5,874 |
| Return on Equity (ROE) | 1.0503% | 5,954 |
| Retained earnings to average equity (ytd only) | 1.0503% | 5,365 |
| Net charge-offs to loans | 1.8336% | 796 |
| Credit loss provision to net charge-offs | 72.4690% | 4,756 |
| Earnings coverage of net charge-offs (x) | 0.7734% | 5,219 |
| Efficiency ratio | 75.2129% | 3,027 |
| Assets per employee ($millions) | 5.7951% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8219% | 2,798 |
| Loan loss allowance to noncurrent loans | 45.3246% | 5,295 |
| Noncurrent assets plus other real estate owned to assets | 5.5806% | 910 |
| Noncurrent loans to loans | 4.0196% | 1,554 |
| Net loans and leases to total assets | 70.4516% | 1,941 |
| Net loans and leases to deposits | 87.1531% | 1,494 |
| Net loans and leases to core deposits | 94.0848% | 1,686 |
| Total domestic deposits to total assets | 80.8366% | 5,501 |
| Equity capital to assets | 10.3232% | 3,751 |
| Core capital (leverage) ratio | 9.5388% | 3,963 |
| Tier 1 risk-based capital ratio | 12.9266% | 5,132 |
| Total risk-based capital ratio | 14.1821% | 5,107 |
| Memoranda: | ||
| Average total assets | $1,262,901,400 | 517 |
| Average earning assets | $1,198,109,400 | 495 |
| Average equity | $125,588,200 | 549 |
| Average total loans | $933,030,600 | 451 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4604% | 5,384 |
| Cost of funding earning assets | 1.4014% | 1,226 |
| Net interest margin | 3.0590% | 6,475 |
| Noninterest income to average assets | 1.2243% | 878 |
| Noninterest expense to average assets | 3.0958% | 3,179 |
| Loan and lease loss provision to assets | 0.5424% | 1,816 |
| Net operating income to assets | 0.3275% | 5,301 |
| Return on assets (ROA) | 0.3956% | 5,201 |
| Pretax return on assets | 0.5983% | 4,817 |
| Return on Equity (ROE) | 4.0149% | 4,982 |
| Retained earnings to average equity (ytd only) | 4.0149% | 3,858 |
| Net charge-offs to loans | 0.8987% | 1,781 |
| Credit loss provision to net charge-offs | 81.1217% | 4,109 |
| Earnings coverage of net charge-offs (x) | 1.5518% | 4,475 |
| Efficiency ratio | 74.5952% | 3,066 |
| Assets per employee ($millions) | 6.3096% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1507% | 1,965 |
| Loan loss allowance to noncurrent loans | 38.2957% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 6.1558% | 858 |
| Noncurrent loans to loans | 5.6159% | 1,043 |
| Net loans and leases to total assets | 70.2735% | 2,031 |
| Net loans and leases to deposits | 86.4472% | 1,626 |
| Net loans and leases to core deposits | 93.6522% | 1,820 |
| Total domestic deposits to total assets | 81.2907% | 5,338 |
| Equity capital to assets | 10.1512% | 4,152 |
| Core capital (leverage) ratio | 9.3584% | 4,367 |
| Tier 1 risk-based capital ratio | 12.9277% | 5,149 |
| Total risk-based capital ratio | 14.1886% | 5,118 |
| Memoranda: | ||
| Average total assets | $1,272,936,000 | 517 |
| Average earning assets | $1,210,460,750 | 495 |
| Average equity | $125,428,250 | 558 |
| Average total loans | $946,927,750 | 445 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 5,441 |
| Cost of funding earning assets | 1.4125% | 1,364 |
| Net interest margin | 3.0597% | 6,494 |
| Noninterest income to average assets | 1.0978% | 1,075 |
| Noninterest expense to average assets | 2.9202% | 3,943 |
| Loan and lease loss provision to assets | 0.2034% | 3,893 |
| Net operating income to assets | 0.5870% | 4,123 |
| Return on assets (ROA) | 0.6310% | 4,029 |
| Pretax return on assets | 0.9546% | 3,411 |
| Return on Equity (ROE) | 6.4687% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.4687% | 2,156 |
| Net charge-offs to loans | 0.6767% | 2,144 |
| Credit loss provision to net charge-offs | 39.9385% | 4,818 |
| Earnings coverage of net charge-offs (x) | 2.1431% | 3,771 |
| Efficiency ratio | 72.4897% | 3,634 |
| Assets per employee ($millions) | 6.1448% | 1,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0110% | 2,340 |
| Loan loss allowance to noncurrent loans | 47.3728% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 4.5739% | 1,368 |
| Noncurrent loans to loans | 4.2451% | 1,594 |
| Net loans and leases to total assets | 70.1094% | 2,200 |
| Net loans and leases to deposits | 85.6211% | 1,838 |
| Net loans and leases to core deposits | 92.5848% | 2,063 |
| Total domestic deposits to total assets | 81.8833% | 5,206 |
| Equity capital to assets | 9.7333% | 4,495 |
| Core capital (leverage) ratio | 9.2368% | 4,341 |
| Tier 1 risk-based capital ratio | 12.4243% | 5,421 |
| Total risk-based capital ratio | 13.6834% | 5,393 |
| Memoranda: | ||
| Average total assets | $1,276,611,000 | 519 |
| Average earning assets | $1,215,680,330 | 499 |
| Average equity | $124,538,000 | 562 |
| Average total loans | $960,477,000 | 447 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 5,056 |
| Cost of funding earning assets | 1.4206% | 1,505 |
| Net interest margin | 3.1543% | 6,209 |
| Noninterest income to average assets | 0.9383% | 1,512 |
| Noninterest expense to average assets | 2.8608% | 4,228 |
| Loan and lease loss provision to assets | 0.0073% | 5,790 |
| Net operating income to assets | 0.7117% | 3,465 |
| Return on assets (ROA) | 0.7768% | 3,204 |
| Pretax return on assets | 1.1767% | 2,462 |
| Return on Equity (ROE) | 7.9540% | 2,933 |
| Retained earnings to average equity (ytd only) | 7.9540% | 1,749 |
| Net charge-offs to loans | 0.3505% | 2,660 |
| Credit loss provision to net charge-offs | 2.6932% | 4,454 |
| Earnings coverage of net charge-offs (x) | 4.0141% | 2,578 |
| Efficiency ratio | 72.1781% | 3,824 |
| Assets per employee ($millions) | 6.0269% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0520% | 2,286 |
| Loan loss allowance to noncurrent loans | 51.7357% | 4,907 |
| Noncurrent assets plus other real estate owned to assets | 3.9896% | 1,674 |
| Noncurrent loans to loans | 3.9663% | 1,840 |
| Net loans and leases to total assets | 74.9226% | 1,194 |
| Net loans and leases to deposits | 92.8353% | 944 |
| Net loans and leases to core deposits | 100.7728% | 1,275 |
| Total domestic deposits to total assets | 80.7048% | 5,742 |
| Equity capital to assets | 9.8024% | 4,034 |
| Core capital (leverage) ratio | 9.4138% | 3,938 |
| Tier 1 risk-based capital ratio | 11.9907% | 5,698 |
| Total risk-based capital ratio | 13.2507% | 5,678 |
| Memoranda: | ||
| Average total assets | $1,263,566,000 | 527 |
| Average earning assets | $1,204,850,000 | 504 |
| Average equity | $123,409,000 | 565 |
| Average total loans | $974,685,500 | 450 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 6,107 |
| Cost of funding earning assets | 1.7298% | 1,465 |
| Net interest margin | 2.8730% | 6,931 |
| Noninterest income to average assets | 1.3369% | 823 |
| Noninterest expense to average assets | 3.2657% | 2,852 |
| Loan and lease loss provision to assets | 1.4377% | 1,037 |
| Net operating income to assets | -0.4084% | 6,321 |
| Return on assets (ROA) | -0.3006% | 6,258 |
| Pretax return on assets | -0.4561% | 6,288 |
| Return on Equity (ROE) | -3.1365% | 6,288 |
| Retained earnings to average equity (ytd only) | -4.7642% | 6,278 |
| Net charge-offs to loans | 0.6761% | 2,982 |
| Credit loss provision to net charge-offs | 274.6796% | 993 |
| Earnings coverage of net charge-offs (x) | 1.5633% | 4,566 |
| Efficiency ratio | 79.6581% | 2,460 |
| Assets per employee ($millions) | 6.3391% | 1,018 |
| Cash dividends to net income (ytd only)* | -51.8941% | 7,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1092% | 2,052 |
| Loan loss allowance to noncurrent loans | 53.9338% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 4.0215% | 1,690 |
| Noncurrent loans to loans | 3.9107% | 1,870 |
| Net loans and leases to total assets | 76.1447% | 1,245 |
| Net loans and leases to deposits | 93.9114% | 1,072 |
| Net loans and leases to core deposits | 101.7779% | 1,472 |
| Total domestic deposits to total assets | 81.0814% | 5,502 |
| Equity capital to assets | 9.7309% | 4,079 |
| Core capital (leverage) ratio | 9.0197% | 4,508 |
| Tier 1 risk-based capital ratio | 11.4323% | 5,963 |
| Total risk-based capital ratio | 12.6830% | 5,956 |
| Memoranda: | ||
| Average total assets | $1,281,948,400 | 525 |
| Average earning assets | $1,225,754,000 | 495 |
| Average equity | $122,874,400 | 554 |
| Average total loans | $992,524,400 | 449 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 6,173 |
| Cost of funding earning assets | 1.7742% | 1,531 |
| Net interest margin | 2.8809% | 7,033 |
| Noninterest income to average assets | 1.3503% | 739 |
| Noninterest expense to average assets | 3.2323% | 2,812 |
| Loan and lease loss provision to assets | 1.9076% | 640 |
| Net operating income to assets | -0.6845% | 6,722 |
| Return on assets (ROA) | -0.5414% | 6,677 |
| Pretax return on assets | -0.8162% | 6,749 |
| Return on Equity (ROE) | -5.6693% | 6,698 |
| Retained earnings to average equity (ytd only) | -7.8389% | 6,760 |
| Net charge-offs to loans | 0.8952% | 2,209 |
| Credit loss provision to net charge-offs | 275.5499% | 1,190 |
| Earnings coverage of net charge-offs (x) | 1.2632% | 4,811 |
| Efficiency ratio | 78.4028% | 2,566 |
| Assets per employee ($millions) | 6.5248% | 954 |
| Cash dividends to net income (ytd only)* | -38.2702% | 7,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1094% | 1,981 |
| Loan loss allowance to noncurrent loans | 57.6155% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 3.8534% | 1,835 |
| Noncurrent loans to loans | 3.6612% | 2,133 |
| Net loans and leases to total assets | 75.5255% | 1,490 |
| Net loans and leases to deposits | 92.4624% | 1,390 |
| Net loans and leases to core deposits | 100.7462% | 1,775 |
| Total domestic deposits to total assets | 81.6824% | 5,134 |
| Equity capital to assets | 9.1845% | 5,333 |
| Core capital (leverage) ratio | 8.5094% | 5,489 |
| Tier 1 risk-based capital ratio | 10.7588% | 6,580 |
| Total risk-based capital ratio | 12.0174% | 6,556 |
| Memoranda: | ||
| Average total assets | $1,287,066,500 | 521 |
| Average earning assets | $1,231,469,250 | 487 |
| Average equity | $122,904,750 | 548 |
| Average total loans | $995,344,750 | 448 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7027% | 6,139 |
| Cost of funding earning assets | 1.8310% | 1,525 |
| Net interest margin | 2.8717% | 7,050 |
| Noninterest income to average assets | 1.3813% | 657 |
| Noninterest expense to average assets | 3.1659% | 3,029 |
| Loan and lease loss provision to assets | 0.8596% | 1,691 |
| Net operating income to assets | 0.0699% | 5,947 |
| Return on assets (ROA) | 0.1548% | 5,829 |
| Pretax return on assets | 0.2350% | 5,692 |
| Return on Equity (ROE) | 1.6010% | 5,760 |
| Retained earnings to average equity (ytd only) | 1.6010% | 5,062 |
| Net charge-offs to loans | 0.3136% | 3,755 |
| Credit loss provision to net charge-offs | 354.1454% | 1,031 |
| Earnings coverage of net charge-offs (x) | 3.9796% | 3,102 |
| Efficiency ratio | 76.3216% | 3,014 |
| Assets per employee ($millions) | 6.8398% | 821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3000% | 4,916 |
| Loan loss allowance to noncurrent loans | 85.3811% | 3,189 |
| Noncurrent assets plus other real estate owned to assets | 2.2541% | 3,191 |
| Noncurrent loans to loans | 1.5226% | 4,428 |
| Net loans and leases to total assets | 75.3190% | 1,625 |
| Net loans and leases to deposits | 92.5375% | 1,451 |
| Net loans and leases to core deposits | 100.8278% | 1,934 |
| Total domestic deposits to total assets | 81.3929% | 5,250 |
| Equity capital to assets | 9.6637% | 4,447 |
| Core capital (leverage) ratio | 8.9430% | 4,697 |
| Tier 1 risk-based capital ratio | 11.1786% | 6,063 |
| Total risk-based capital ratio | 12.4138% | 6,066 |
| Memoranda: | ||
| Average total assets | $1,291,974,000 | 514 |
| Average earning assets | $1,237,461,670 | 483 |
| Average equity | $124,920,330 | 531 |
| Average total loans | $999,909,330 | 454 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 6,193 |
| Cost of funding earning assets | 1.8962% | 1,466 |
| Net interest margin | 2.8188% | 7,154 |
| Noninterest income to average assets | 1.0804% | 1,089 |
| Noninterest expense to average assets | 2.9920% | 3,711 |
| Loan and lease loss provision to assets | 1.4210% | 837 |
| Net operating income to assets | -0.4164% | 6,776 |
| Return on assets (ROA) | -0.2456% | 6,666 |
| Pretax return on assets | -0.3724% | 6,702 |
| Return on Equity (ROE) | -2.5399% | 6,699 |
| Retained earnings to average equity (ytd only) | -2.5399% | 6,298 |
| Net charge-offs to loans | 0.3599% | 2,974 |
| Credit loss provision to net charge-offs | 506.5483% | 823 |
| Earnings coverage of net charge-offs (x) | 2.8158% | 3,139 |
| Efficiency ratio | 78.7849% | 2,763 |
| Assets per employee ($millions) | 6.5484% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 5,182 |
| Loan loss allowance to noncurrent loans | 134.3610% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.6261% | 4,049 |
| Noncurrent loans to loans | 0.9342% | 5,451 |
| Net loans and leases to total assets | 75.5369% | 1,637 |
| Net loans and leases to deposits | 93.4935% | 1,406 |
| Net loans and leases to core deposits | 101.8011% | 1,929 |
| Total domestic deposits to total assets | 80.7938% | 5,523 |
| Equity capital to assets | 9.3869% | 4,696 |
| Core capital (leverage) ratio | 8.9808% | 4,603 |
| Tier 1 risk-based capital ratio | 11.1875% | 5,975 |
| Total risk-based capital ratio | 12.4121% | 5,962 |
| Memoranda: | ||
| Average total assets | $1,284,758,500 | 537 |
| Average earning assets | $1,231,310,000 | 498 |
| Average equity | $124,257,000 | 540 |
| Average total loans | $1,001,398,500 | 472 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1157% | 6,023 |
| Cost of funding earning assets | 2.2946% | 1,682 |
| Net interest margin | 2.8211% | 7,024 |
| Noninterest income to average assets | 1.3961% | 752 |
| Noninterest expense to average assets | 3.1065% | 3,706 |
| Loan and lease loss provision to assets | 0.5380% | 3,677 |
| Net operating income to assets | 0.2831% | 4,597 |
| Return on assets (ROA) | 0.2831% | 4,686 |
| Pretax return on assets | 0.4130% | 4,457 |
| Return on Equity (ROE) | 2.6748% | 4,635 |
| Retained earnings to average equity (ytd only) | 2.6748% | 3,278 |
| Net charge-offs to loans | 0.4247% | 4,096 |
| Credit loss provision to net charge-offs | 145.4657% | 3,264 |
| Earnings coverage of net charge-offs (x) | 2.5715% | 3,831 |
| Efficiency ratio | 76.2056% | 3,490 |
| Assets per employee ($millions) | 6.1436% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9012% | 6,803 |
| Loan loss allowance to noncurrent loans | 167.1322% | 1,747 |
| Noncurrent assets plus other real estate owned to assets | 1.1191% | 4,853 |
| Noncurrent loans to loans | 0.5392% | 6,172 |
| Net loans and leases to total assets | 78.7485% | 1,239 |
| Net loans and leases to deposits | 98.8176% | 1,023 |
| Net loans and leases to core deposits | 143.5792% | 689 |
| Total domestic deposits to total assets | 79.6907% | 5,780 |
| Equity capital to assets | 9.9707% | 3,801 |
| Core capital (leverage) ratio | 9.7147% | 3,428 |
| Tier 1 risk-based capital ratio | 11.5257% | 5,375 |
| Total risk-based capital ratio | 12.4158% | 5,717 |
| Memoranda: | ||
| Average total assets | $1,097,306,400 | 608 |
| Average earning assets | $1,035,159,000 | 586 |
| Average equity | $116,157,000 | 568 |
| Average total loans | $955,457,200 | 500 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1609% | 6,063 |
| Cost of funding earning assets | 2.4176% | 1,570 |
| Net interest margin | 2.7433% | 7,143 |
| Noninterest income to average assets | 1.4785% | 679 |
| Noninterest expense to average assets | 3.1284% | 3,542 |
| Loan and lease loss provision to assets | 0.3727% | 4,092 |
| Net operating income to assets | 0.3666% | 4,526 |
| Return on assets (ROA) | 0.3666% | 4,630 |
| Pretax return on assets | 0.5557% | 4,345 |
| Return on Equity (ROE) | 3.4047% | 4,621 |
| Retained earnings to average equity (ytd only) | 3.4047% | 3,396 |
| Net charge-offs to loans | 0.2065% | 4,754 |
| Credit loss provision to net charge-offs | 202.0492% | 2,210 |
| Earnings coverage of net charge-offs (x) | 5.0335% | 2,945 |
| Efficiency ratio | 76.7430% | 3,369 |
| Assets per employee ($millions) | 5.6423% | 1,481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 6,827 |
| Loan loss allowance to noncurrent loans | 103.7661% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 1.4702% | 4,173 |
| Noncurrent loans to loans | 0.8526% | 5,594 |
| Net loans and leases to total assets | 85.1929% | 422 |
| Net loans and leases to deposits | 112.4328% | 374 |
| Net loans and leases to core deposits | 165.4713% | 311 |
| Total domestic deposits to total assets | 75.7722% | 6,624 |
| Equity capital to assets | 10.1810% | 3,867 |
| Core capital (leverage) ratio | 9.5084% | 3,898 |
| Tier 1 risk-based capital ratio | 10.8788% | 6,077 |
| Total risk-based capital ratio | 11.7555% | 6,415 |
| Memoranda: | ||
| Average total assets | $1,058,308,750 | 644 |
| Average earning assets | $994,629,000 | 616 |
| Average equity | $113,955,750 | 585 |
| Average total loans | $945,339,750 | 519 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 6,516 |
| Cost of funding earning assets | 2.4805% | 1,680 |
| Net interest margin | 2.5978% | 7,362 |
| Noninterest income to average assets | 1.5070% | 653 |
| Noninterest expense to average assets | 3.1083% | 3,667 |
| Loan and lease loss provision to assets | 0.1971% | 5,084 |
| Net operating income to assets | 0.4263% | 4,396 |
| Return on assets (ROA) | 0.4263% | 4,508 |
| Pretax return on assets | 0.6461% | 4,173 |
| Return on Equity (ROE) | 3.8818% | 4,546 |
| Retained earnings to average equity (ytd only) | 3.8818% | 3,126 |
| Net charge-offs to loans | 0.0872% | 5,330 |
| Credit loss provision to net charge-offs | 249.5098% | 1,872 |
| Earnings coverage of net charge-offs (x) | 10.6740% | 1,972 |
| Efficiency ratio | 78.2705% | 3,306 |
| Assets per employee ($millions) | 5.5725% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7940% | 7,178 |
| Loan loss allowance to noncurrent loans | 141.5250% | 2,086 |
| Noncurrent assets plus other real estate owned to assets | 1.2087% | 4,516 |
| Noncurrent loans to loans | 0.5610% | 6,145 |
| Net loans and leases to total assets | 85.9110% | 385 |
| Net loans and leases to deposits | 116.1123% | 326 |
| Net loans and leases to core deposits | 185.8679% | 178 |
| Total domestic deposits to total assets | 73.9896% | 6,949 |
| Equity capital to assets | 10.1726% | 3,750 |
| Core capital (leverage) ratio | 10.1650% | 3,131 |
| Tier 1 risk-based capital ratio | 10.8874% | 5,996 |
| Total risk-based capital ratio | 11.6805% | 6,396 |
| Memoranda: | ||
| Average total assets | $1,033,046,330 | 678 |
| Average earning assets | $972,048,000 | 650 |
| Average equity | $113,453,670 | 594 |
| Average total loans | $935,522,000 | 538 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1303% | 6,563 |
| Cost of funding earning assets | 2.5728% | 1,646 |
| Net interest margin | 2.5576% | 7,427 |
| Noninterest income to average assets | 1.2498% | 915 |
| Noninterest expense to average assets | 2.8623% | 4,293 |
| Loan and lease loss provision to assets | 0.1431% | 5,112 |
| Net operating income to assets | 0.4180% | 4,785 |
| Return on assets (ROA) | 0.4670% | 4,769 |
| Pretax return on assets | 0.7078% | 4,410 |
| Return on Equity (ROE) | 4.0805% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.0805% | 3,627 |
| Net charge-offs to loans | 0.0026% | 5,699 |
| Credit loss provision to net charge-offs | 5,883.3333% | 129 |
| Earnings coverage of net charge-offs (x) | 319.3333% | 127 |
| Efficiency ratio | 78.2110% | 3,133 |
| Assets per employee ($millions) | 4.6525% | 2,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8016% | 7,155 |
| Loan loss allowance to noncurrent loans | 106.5707% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 1.4663% | 3,736 |
| Noncurrent loans to loans | 0.7521% | 5,548 |
| Net loans and leases to total assets | 91.6534% | 71 |
| Net loans and leases to deposits | 123.8443% | 217 |
| Net loans and leases to core deposits | 193.9452% | 162 |
| Total domestic deposits to total assets | 74.0069% | 6,891 |
| Equity capital to assets | 11.2470% | 2,769 |
| Core capital (leverage) ratio | 10.6726% | 2,763 |
| Tier 1 risk-based capital ratio | 11.1871% | 5,715 |
| Total risk-based capital ratio | 11.9824% | 6,063 |
| Memoranda: | ||
| Average total assets | $986,746,500 | 702 |
| Average earning assets | $921,812,000 | 683 |
| Average equity | $112,926,500 | 594 |
| Average total loans | $915,886,000 | 550 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1022% | 5,037 |
| Cost of funding earning assets | 3.1963% | 1,205 |
| Net interest margin | 2.9059% | 7,143 |
| Noninterest income to average assets | 0.7635% | 2,701 |
| Noninterest expense to average assets | 2.8300% | 4,696 |
| Loan and lease loss provision to assets | 0.6967% | 2,104 |
| Net operating income to assets | -0.0056% | 6,377 |
| Return on assets (ROA) | 0.0635% | 6,055 |
| Pretax return on assets | 0.0952% | 5,954 |
| Return on Equity (ROE) | 0.6362% | 6,022 |
| Retained earnings to average equity (ytd only) | 0.6362% | 4,855 |
| Net charge-offs to loans | 0.2937% | 3,437 |
| Credit loss provision to net charge-offs | 273.9284% | 1,674 |
| Earnings coverage of net charge-offs (x) | 2.7079% | 4,723 |
| Efficiency ratio | 79.9150% | 2,610 |
| Assets per employee ($millions) | 5.3254% | 1,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7931% | 7,136 |
| Loan loss allowance to noncurrent loans | 268.2468% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0114% | 4,299 |
| Noncurrent loans to loans | 0.2957% | 6,491 |
| Net loans and leases to total assets | 92.5240% | 65 |
| Net loans and leases to deposits | 133.8885% | 164 |
| Net loans and leases to core deposits | 201.1383% | 165 |
| Total domestic deposits to total assets | 69.1053% | 7,370 |
| Equity capital to assets | 11.6510% | 2,530 |
| Core capital (leverage) ratio | 10.9244% | 2,651 |
| Tier 1 risk-based capital ratio | 11.5404% | 5,206 |
| Total risk-based capital ratio | 12.3317% | 5,540 |
| Memoranda: | ||
| Average total assets | $889,722,400 | 757 |
| Average earning assets | $843,593,600 | 716 |
| Average equity | $88,802,200 | 753 |
| Average total loans | $770,551,600 | 619 |