Home > Royal Bank America > Performance and Condition Ratios
Royal Bank America, 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 | 4.7775% | 965 |
| Cost of funding earning assets | 0.9080% | 328 |
| Net interest margin | 3.8695% | 2,146 |
| Noninterest income to average assets | 0.2908% | 4,450 |
| Noninterest expense to average assets | 2.4847% | 3,788 |
| Loan and lease loss provision to assets | 0.0837% | 2,420 |
| Net operating income to assets | 1.3200% | 1,272 |
| Return on assets (ROA) | 1.2849% | 1,413 |
| Pretax return on assets | 1.3064% | 2,452 |
| Return on Equity (ROE) | 13.9403% | 845 |
| Retained earnings to average equity (ytd only) | 13.9403% | 157 |
| Net charge-offs to loans | 0.1784% | 1,183 |
| Credit loss provision to net charge-offs | 63.3333% | 2,769 |
| Earnings coverage of net charge-offs (x) | 10.7852% | 2,559 |
| Efficiency ratio | 63.5529% | 3,639 |
| Assets per employee ($millions) | 8.6577% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7026% | 1,029 |
| Loan loss allowance to noncurrent loans | 199.1932% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 2,048 |
| Noncurrent loans to loans | 0.8547% | 2,230 |
| Net loans and leases to total assets | 72.5864% | 2,168 |
| Net loans and leases to deposits | 92.9780% | 1,422 |
| Net loans and leases to core deposits | 106.1225% | 1,265 |
| Total domestic deposits to total assets | 78.0683% | 4,712 |
| Equity capital to assets | 9.9010% | 4,031 |
| Core capital (leverage) ratio | 9.8258% | 3,788 |
| Tier 1 risk-based capital ratio | 12.6883% | 4,214 |
| Total risk-based capital ratio | 13.9548% | 4,097 |
| Memoranda: | ||
| Average total assets | $817,398,750 | 915 |
| Average earning assets | $764,455,000 | 903 |
| Average equity | $75,338,500 | 1,073 |
| Average total loans | $605,314,500 | 869 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7972% | 866 |
| Cost of funding earning assets | 0.9082% | 291 |
| Net interest margin | 3.8890% | 1,972 |
| Noninterest income to average assets | 0.3372% | 4,135 |
| Noninterest expense to average assets | 2.5673% | 3,532 |
| Loan and lease loss provision to assets | 0.0862% | 2,263 |
| Net operating income to assets | 1.3044% | 1,284 |
| Return on assets (ROA) | 1.2760% | 1,388 |
| Pretax return on assets | 1.2887% | 2,432 |
| Return on Equity (ROE) | 14.1883% | 786 |
| Retained earnings to average equity (ytd only) | 14.1883% | 172 |
| Net charge-offs to loans | 0.1682% | 1,156 |
| Credit loss provision to net charge-offs | 69.1406% | 2,390 |
| Earnings coverage of net charge-offs (x) | 11.2559% | 2,290 |
| Efficiency ratio | 64.6615% | 3,561 |
| Assets per employee ($millions) | 7.8833% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6943% | 1,071 |
| Loan loss allowance to noncurrent loans | 232.4875% | 1,962 |
| Noncurrent assets plus other real estate owned to assets | 0.7892% | 2,236 |
| Noncurrent loans to loans | 0.7288% | 2,565 |
| Net loans and leases to total assets | 74.0494% | 1,853 |
| Net loans and leases to deposits | 95.3301% | 1,137 |
| Net loans and leases to core deposits | 105.0499% | 1,291 |
| Total domestic deposits to total assets | 77.6768% | 4,867 |
| Equity capital to assets | 9.5959% | 4,315 |
| Core capital (leverage) ratio | 9.2506% | 4,433 |
| Tier 1 risk-based capital ratio | 12.1597% | 4,518 |
| Total risk-based capital ratio | 13.4263% | 4,391 |
| Memoranda: | ||
| Average total assets | $821,475,330 | 919 |
| Average earning assets | $767,444,000 | 907 |
| Average equity | $73,878,000 | 1,087 |
| Average total loans | $608,897,330 | 868 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6166% | 1,096 |
| Cost of funding earning assets | 0.8967% | 288 |
| Net interest margin | 3.7199% | 2,419 |
| Noninterest income to average assets | 0.3816% | 3,794 |
| Noninterest expense to average assets | 2.7036% | 3,127 |
| Loan and lease loss provision to assets | 0.1431% | 1,307 |
| Net operating income to assets | 1.0109% | 2,260 |
| Return on assets (ROA) | 0.9902% | 2,399 |
| Pretax return on assets | 0.9902% | 3,409 |
| Return on Equity (ROE) | 11.3793% | 1,439 |
| Retained earnings to average equity (ytd only) | 11.3793% | 548 |
| Net charge-offs to loans | 0.1042% | 1,329 |
| Credit loss provision to net charge-offs | 186.7925% | 1,064 |
| Earnings coverage of net charge-offs (x) | 15.0629% | 1,693 |
| Efficiency ratio | 70.0849% | 2,875 |
| Assets per employee ($millions) | 7.7057% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7057% | 1,127 |
| Loan loss allowance to noncurrent loans | 157.6998% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 1.0605% | 1,696 |
| Noncurrent loans to loans | 1.0816% | 1,892 |
| Net loans and leases to total assets | 73.1098% | 1,892 |
| Net loans and leases to deposits | 94.1096% | 1,094 |
| Net loans and leases to core deposits | 105.3655% | 1,147 |
| Total domestic deposits to total assets | 77.6857% | 5,014 |
| Equity capital to assets | 8.8460% | 4,959 |
| Core capital (leverage) ratio | 8.7680% | 4,988 |
| Tier 1 risk-based capital ratio | 11.2436% | 5,180 |
| Total risk-based capital ratio | 12.5097% | 5,068 |
| Memoranda: | ||
| Average total assets | $830,163,000 | 912 |
| Average earning assets | $775,717,500 | 901 |
| Average equity | $72,236,500 | 1,106 |
| Average total loans | $610,499,500 | 860 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4529% | 1,677 |
| Cost of funding earning assets | 0.9547% | 222 |
| Net interest margin | 3.4981% | 3,437 |
| Noninterest income to average assets | 0.4325% | 3,660 |
| Noninterest expense to average assets | 2.4952% | 4,029 |
| Loan and lease loss provision to assets | 0.1543% | 1,620 |
| Net operating income to assets | 1.2647% | 1,314 |
| Return on assets (ROA) | 1.2815% | 1,330 |
| Pretax return on assets | 1.0584% | 3,267 |
| Return on Equity (ROE) | 15.4441% | 570 |
| Retained earnings to average equity (ytd only) | 15.4441% | 99 |
| Net charge-offs to loans | 0.0927% | 2,383 |
| Credit loss provision to net charge-offs | 243.0528% | 1,195 |
| Earnings coverage of net charge-offs (x) | 18.8415% | 1,944 |
| Efficiency ratio | 67.5999% | 3,323 |
| Assets per employee ($millions) | 7.0779% | 890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7309% | 1,084 |
| Loan loss allowance to noncurrent loans | 173.4643% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 1,596 |
| Noncurrent loans to loans | 0.9978% | 2,096 |
| Net loans and leases to total assets | 71.4385% | 2,255 |
| Net loans and leases to deposits | 93.6219% | 1,235 |
| Net loans and leases to core deposits | 102.4844% | 1,414 |
| Total domestic deposits to total assets | 76.3054% | 5,211 |
| Equity capital to assets | 8.5562% | 5,224 |
| Core capital (leverage) ratio | 8.7539% | 5,021 |
| Tier 1 risk-based capital ratio | 11.1460% | 5,258 |
| Total risk-based capital ratio | 12.4127% | 5,137 |
| Memoranda: | ||
| Average total assets | $805,061,600 | 898 |
| Average earning assets | $749,944,000 | 891 |
| Average equity | $66,802,200 | 1,174 |
| Average total loans | $551,038,800 | 902 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4486% | 1,704 |
| Cost of funding earning assets | 0.9638% | 210 |
| Net interest margin | 3.4848% | 3,526 |
| Noninterest income to average assets | 0.3556% | 4,242 |
| Noninterest expense to average assets | 2.4823% | 4,037 |
| Loan and lease loss provision to assets | 0.1646% | 1,385 |
| Net operating income to assets | 0.9413% | 2,696 |
| Return on assets (ROA) | 0.9958% | 2,591 |
| Pretax return on assets | 1.0100% | 3,598 |
| Return on Equity (ROE) | 12.0990% | 1,291 |
| Retained earnings to average equity (ytd only) | 12.0990% | 291 |
| Net charge-offs to loans | 0.1045% | 1,901 |
| Credit loss provision to net charge-offs | 233.8863% | 1,257 |
| Earnings coverage of net charge-offs (x) | 15.8958% | 2,148 |
| Efficiency ratio | 68.9286% | 3,052 |
| Assets per employee ($millions) | 6.8972% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 1,044 |
| Loan loss allowance to noncurrent loans | 230.1684% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 1.4487% | 1,263 |
| Noncurrent loans to loans | 0.7737% | 2,737 |
| Net loans and leases to total assets | 70.0852% | 2,476 |
| Net loans and leases to deposits | 94.6911% | 1,180 |
| Net loans and leases to core deposits | 101.5346% | 1,513 |
| Total domestic deposits to total assets | 74.0146% | 5,431 |
| Equity capital to assets | 8.5244% | 5,513 |
| Core capital (leverage) ratio | 10.5579% | 2,927 |
| Tier 1 risk-based capital ratio | 13.7540% | 3,699 |
| Total risk-based capital ratio | 15.0179% | 3,615 |
| Memoranda: | ||
| Average total assets | $799,299,750 | 905 |
| Average earning assets | $744,433,750 | 894 |
| Average equity | $65,789,000 | 1,201 |
| Average total loans | $538,296,250 | 913 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4194% | 1,771 |
| Cost of funding earning assets | 0.9406% | 233 |
| Net interest margin | 3.4788% | 3,570 |
| Noninterest income to average assets | 0.3226% | 4,477 |
| Noninterest expense to average assets | 2.5155% | 3,994 |
| Loan and lease loss provision to assets | 0.1027% | 2,129 |
| Net operating income to assets | 0.9279% | 2,730 |
| Return on assets (ROA) | 0.9795% | 2,620 |
| Pretax return on assets | 0.9946% | 3,607 |
| Return on Equity (ROE) | 12.0453% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.0453% | 320 |
| Net charge-offs to loans | 0.0342% | 2,763 |
| Credit loss provision to net charge-offs | 454.4444% | 710 |
| Earnings coverage of net charge-offs (x) | 46.2333% | 1,050 |
| Efficiency ratio | 70.6600% | 2,883 |
| Assets per employee ($millions) | 7.0612% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8293% | 1,031 |
| Loan loss allowance to noncurrent loans | 208.4566% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.4789% | 1,305 |
| Noncurrent loans to loans | 0.8776% | 2,542 |
| Net loans and leases to total assets | 66.1396% | 3,061 |
| Net loans and leases to deposits | 88.8758% | 1,879 |
| Net loans and leases to core deposits | 97.4564% | 1,853 |
| Total domestic deposits to total assets | 74.4180% | 5,477 |
| Equity capital to assets | 8.3355% | 5,675 |
| Core capital (leverage) ratio | 10.8913% | 2,540 |
| Tier 1 risk-based capital ratio | 14.7266% | 3,191 |
| Total risk-based capital ratio | 15.9914% | 3,134 |
| Memoranda: | ||
| Average total assets | $796,741,000 | 909 |
| Average earning assets | $741,464,670 | 896 |
| Average equity | $64,788,670 | 1,215 |
| Average total loans | $525,786,670 | 931 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4787% | 1,570 |
| Cost of funding earning assets | 0.9423% | 231 |
| Net interest margin | 3.5363% | 3,332 |
| Noninterest income to average assets | 0.3873% | 3,923 |
| Noninterest expense to average assets | 2.5629% | 3,874 |
| Loan and lease loss provision to assets | 0.1075% | 1,913 |
| Net operating income to assets | 1.0022% | 2,266 |
| Return on assets (ROA) | 1.1370% | 1,877 |
| Pretax return on assets | 1.1370% | 2,947 |
| Return on Equity (ROE) | 14.1650% | 804 |
| Retained earnings to average equity (ytd only) | 14.1650% | 308 |
| Net charge-offs to loans | -0.0311% | 5,081 |
| Credit loss provision to net charge-offs | -530.0000% | 4,585 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7861% | 3,170 |
| Assets per employee ($millions) | 6.9065% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 1,006 |
| Loan loss allowance to noncurrent loans | 190.2948% | 2,314 |
| Noncurrent assets plus other real estate owned to assets | 1.5511% | 1,295 |
| Noncurrent loans to loans | 0.9835% | 2,418 |
| Net loans and leases to total assets | 65.6244% | 3,006 |
| Net loans and leases to deposits | 87.6792% | 1,866 |
| Net loans and leases to core deposits | 96.5652% | 1,740 |
| Total domestic deposits to total assets | 74.8461% | 5,538 |
| Equity capital to assets | 8.2302% | 5,727 |
| Core capital (leverage) ratio | 10.8257% | 2,597 |
| Tier 1 risk-based capital ratio | 14.6648% | 3,302 |
| Total risk-based capital ratio | 15.9300% | 3,238 |
| Memoranda: | ||
| Average total assets | $789,091,000 | 917 |
| Average earning assets | $733,078,000 | 908 |
| Average equity | $63,339,000 | 1,236 |
| Average total loans | $515,135,500 | 948 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3568% | 2,036 |
| Cost of funding earning assets | 0.9462% | 227 |
| Net interest margin | 3.4105% | 3,870 |
| Noninterest income to average assets | 0.3289% | 4,549 |
| Noninterest expense to average assets | 2.8137% | 3,175 |
| Loan and lease loss provision to assets | -0.1008% | 5,855 |
| Net operating income to assets | 1.4948% | 873 |
| Return on assets (ROA) | 1.5001% | 900 |
| Pretax return on assets | 0.7825% | 4,252 |
| Return on Equity (ROE) | 20.1695% | 248 |
| Retained earnings to average equity (ytd only) | 20.1695% | 64 |
| Net charge-offs to loans | 0.2822% | 1,076 |
| Credit loss provision to net charge-offs | -58.8513% | 5,069 |
| Earnings coverage of net charge-offs (x) | 3.9504% | 3,631 |
| Efficiency ratio | 80.6176% | 1,596 |
| Assets per employee ($millions) | 6.5876% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9413% | 894 |
| Loan loss allowance to noncurrent loans | 176.4202% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 1.6490% | 1,187 |
| Noncurrent loans to loans | 1.1004% | 2,138 |
| Net loans and leases to total assets | 62.4313% | 3,499 |
| Net loans and leases to deposits | 83.1121% | 2,461 |
| Net loans and leases to core deposits | 91.7202% | 2,253 |
| Total domestic deposits to total assets | 75.1170% | 5,543 |
| Equity capital to assets | 7.8207% | 5,915 |
| Core capital (leverage) ratio | 10.8238% | 2,584 |
| Tier 1 risk-based capital ratio | 14.8511% | 3,243 |
| Total risk-based capital ratio | 16.1170% | 3,174 |
| Memoranda: | ||
| Average total assets | $742,229,800 | 932 |
| Average earning assets | $687,986,600 | 928 |
| Average equity | $55,202,200 | 1,355 |
| Average total loans | $450,367,000 | 1,024 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 2,072 |
| Cost of funding earning assets | 0.9476% | 227 |
| Net interest margin | 3.4038% | 3,937 |
| Noninterest income to average assets | 0.2768% | 4,965 |
| Noninterest expense to average assets | 2.8337% | 3,061 |
| Loan and lease loss provision to assets | -0.2518% | 6,132 |
| Net operating income to assets | 0.8494% | 3,175 |
| Return on assets (ROA) | 0.8401% | 3,305 |
| Pretax return on assets | 0.8401% | 4,207 |
| Return on Equity (ROE) | 11.4537% | 1,548 |
| Retained earnings to average equity (ytd only) | 11.4537% | 420 |
| Net charge-offs to loans | 0.1582% | 1,561 |
| Credit loss provision to net charge-offs | -265.7692% | 5,241 |
| Earnings coverage of net charge-offs (x) | 6.3077% | 3,067 |
| Efficiency ratio | 82.5838% | 1,316 |
| Assets per employee ($millions) | 6.4237% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0810% | 804 |
| Loan loss allowance to noncurrent loans | 192.3499% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 1.8393% | 1,150 |
| Noncurrent loans to loans | 1.0819% | 2,322 |
| Net loans and leases to total assets | 60.8735% | 3,753 |
| Net loans and leases to deposits | 81.7012% | 2,680 |
| Net loans and leases to core deposits | 89.8475% | 2,482 |
| Total domestic deposits to total assets | 74.5075% | 5,663 |
| Equity capital to assets | 7.4214% | 6,081 |
| Core capital (leverage) ratio | 10.9363% | 2,560 |
| Tier 1 risk-based capital ratio | 15.2353% | 3,170 |
| Total risk-based capital ratio | 16.4929% | 3,107 |
| Memoranda: | ||
| Average total assets | $731,805,000 | 951 |
| Average earning assets | $678,203,750 | 949 |
| Average equity | $53,675,500 | 1,400 |
| Average total loans | $438,182,250 | 1,048 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2864% | 2,214 |
| Cost of funding earning assets | 0.9499% | 219 |
| Net interest margin | 3.3365% | 4,155 |
| Noninterest income to average assets | 0.3327% | 4,577 |
| Noninterest expense to average assets | 2.9170% | 2,829 |
| Loan and lease loss provision to assets | -0.3225% | 6,236 |
| Net operating income to assets | 0.8259% | 3,239 |
| Return on assets (ROA) | 0.8392% | 3,282 |
| Pretax return on assets | 0.8392% | 4,169 |
| Return on Equity (ROE) | 11.4889% | 1,525 |
| Retained earnings to average equity (ytd only) | 11.4889% | 442 |
| Net charge-offs to loans | 0.2369% | 1,089 |
| Credit loss provision to net charge-offs | -230.4348% | 5,050 |
| Earnings coverage of net charge-offs (x) | 3.5968% | 3,170 |
| Efficiency ratio | 85.2822% | 1,120 |
| Assets per employee ($millions) | 5.9173% | 1,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2419% | 691 |
| Loan loss allowance to noncurrent loans | 186.4042% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 2.2046% | 951 |
| Noncurrent loans to loans | 1.2027% | 2,255 |
| Net loans and leases to total assets | 60.6202% | 3,738 |
| Net loans and leases to deposits | 81.2305% | 2,638 |
| Net loans and leases to core deposits | 83.4520% | 3,036 |
| Total domestic deposits to total assets | 74.6274% | 5,735 |
| Equity capital to assets | 7.4780% | 6,120 |
| Core capital (leverage) ratio | 10.9829% | 2,441 |
| Tier 1 risk-based capital ratio | 15.0041% | 3,356 |
| Total risk-based capital ratio | 16.2623% | 3,283 |
| Memoranda: | ||
| Average total assets | $723,074,670 | 964 |
| Average earning assets | $669,143,330 | 965 |
| Average equity | $52,816,000 | 1,433 |
| Average total loans | $427,168,000 | 1,076 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 1,987 |
| Cost of funding earning assets | 0.9405% | 236 |
| Net interest margin | 3.3933% | 3,872 |
| Noninterest income to average assets | 0.2924% | 4,833 |
| Noninterest expense to average assets | 2.8538% | 3,054 |
| Loan and lease loss provision to assets | -0.3206% | 6,313 |
| Net operating income to assets | 0.9082% | 2,707 |
| Return on assets (ROA) | 0.8833% | 2,956 |
| Pretax return on assets | 0.8833% | 3,951 |
| Return on Equity (ROE) | 12.2377% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.2377% | 542 |
| Net charge-offs to loans | 0.2216% | 1,053 |
| Credit loss provision to net charge-offs | -251.0823% | 4,670 |
| Earnings coverage of net charge-offs (x) | 4.6017% | 2,468 |
| Efficiency ratio | 82.9264% | 1,505 |
| Assets per employee ($millions) | 6.2652% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6026% | 459 |
| Loan loss allowance to noncurrent loans | 130.4717% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 2.6222% | 794 |
| Noncurrent loans to loans | 1.9947% | 1,308 |
| Net loans and leases to total assets | 56.6004% | 4,136 |
| Net loans and leases to deposits | 77.2662% | 2,916 |
| Net loans and leases to core deposits | 79.4765% | 3,226 |
| Total domestic deposits to total assets | 73.2537% | 5,957 |
| Equity capital to assets | 7.4435% | 6,190 |
| Core capital (leverage) ratio | 10.6976% | 2,750 |
| Tier 1 risk-based capital ratio | 15.4465% | 3,177 |
| Total risk-based capital ratio | 16.7066% | 3,108 |
| Memoranda: | ||
| Average total assets | $723,657,500 | 957 |
| Average earning assets | $671,550,500 | 955 |
| Average equity | $52,232,000 | 1,451 |
| Average total loans | $416,922,500 | 1,098 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,616 |
| Cost of funding earning assets | 0.9748% | 257 |
| Net interest margin | 3.3227% | 4,502 |
| Noninterest income to average assets | 0.3699% | 4,430 |
| Noninterest expense to average assets | 2.9041% | 3,139 |
| Loan and lease loss provision to assets | -0.1199% | 6,181 |
| Net operating income to assets | 0.7519% | 3,623 |
| Return on assets (ROA) | 0.7046% | 3,987 |
| Pretax return on assets | 0.6142% | 4,897 |
| Return on Equity (ROE) | 10.6849% | 1,825 |
| Retained earnings to average equity (ytd only) | 10.6849% | 419 |
| Net charge-offs to loans | 0.2855% | 1,520 |
| Credit loss provision to net charge-offs | -79.1058% | 5,480 |
| Earnings coverage of net charge-offs (x) | 3.5730% | 3,854 |
| Efficiency ratio | 84.2826% | 1,377 |
| Assets per employee ($millions) | 6.2121% | 1,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8202% | 363 |
| Loan loss allowance to noncurrent loans | 119.3111% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 2.6956% | 824 |
| Noncurrent loans to loans | 2.3638% | 1,097 |
| Net loans and leases to total assets | 55.5072% | 4,388 |
| Net loans and leases to deposits | 74.9612% | 3,318 |
| Net loans and leases to core deposits | 77.1298% | 3,599 |
| Total domestic deposits to total assets | 74.0478% | 5,946 |
| Equity capital to assets | 6.9940% | 6,328 |
| Core capital (leverage) ratio | 10.5235% | 2,917 |
| Tier 1 risk-based capital ratio | 15.1716% | 3,398 |
| Total risk-based capital ratio | 16.4352% | 3,336 |
| Memoranda: | ||
| Average total assets | $723,084,800 | 931 |
| Average earning assets | $669,338,000 | 921 |
| Average equity | $47,684,200 | 1,512 |
| Average total loans | $383,837,000 | 1,159 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2991% | 2,637 |
| Cost of funding earning assets | 0.9781% | 269 |
| Net interest margin | 3.3210% | 4,531 |
| Noninterest income to average assets | 0.3811% | 4,392 |
| Noninterest expense to average assets | 2.7814% | 3,533 |
| Loan and lease loss provision to assets | -0.1412% | 6,342 |
| Net operating income to assets | 0.8126% | 3,371 |
| Return on assets (ROA) | 0.7826% | 3,609 |
| Pretax return on assets | 0.7826% | 4,424 |
| Return on Equity (ROE) | 12.0517% | 1,464 |
| Retained earnings to average equity (ytd only) | 12.0517% | 411 |
| Net charge-offs to loans | 0.5049% | 763 |
| Credit loss provision to net charge-offs | -53.7219% | 5,354 |
| Earnings coverage of net charge-offs (x) | 2.5534% | 3,886 |
| Efficiency ratio | 80.5572% | 1,833 |
| Assets per employee ($millions) | 6.0756% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8834% | 403 |
| Loan loss allowance to noncurrent loans | 106.4726% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 2.8423% | 852 |
| Noncurrent loans to loans | 2.7082% | 1,048 |
| Net loans and leases to total assets | 53.9418% | 4,582 |
| Net loans and leases to deposits | 73.8572% | 3,448 |
| Net loans and leases to core deposits | 75.6610% | 3,788 |
| Total domestic deposits to total assets | 73.0353% | 6,092 |
| Equity capital to assets | 7.0304% | 6,378 |
| Core capital (leverage) ratio | 10.4159% | 3,143 |
| Tier 1 risk-based capital ratio | 15.4316% | 3,358 |
| Total risk-based capital ratio | 16.5418% | 3,365 |
| Memoranda: | ||
| Average total assets | $722,151,500 | 941 |
| Average earning assets | $667,929,500 | 926 |
| Average equity | $46,896,750 | 1,539 |
| Average total loans | $376,010,250 | 1,186 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2896% | 2,616 |
| Cost of funding earning assets | 0.9766% | 284 |
| Net interest margin | 3.3130% | 4,537 |
| Noninterest income to average assets | 0.3197% | 4,857 |
| Noninterest expense to average assets | 2.7233% | 3,783 |
| Loan and lease loss provision to assets | -0.1973% | 6,475 |
| Net operating income to assets | 0.8557% | 3,042 |
| Return on assets (ROA) | 0.8131% | 3,368 |
| Pretax return on assets | 0.8131% | 4,222 |
| Return on Equity (ROE) | 12.8718% | 1,209 |
| Retained earnings to average equity (ytd only) | 12.8718% | 346 |
| Net charge-offs to loans | 0.7531% | 508 |
| Credit loss provision to net charge-offs | -51.4409% | 5,169 |
| Earnings coverage of net charge-offs (x) | 1.7169% | 3,730 |
| Efficiency ratio | 80.5310% | 1,941 |
| Assets per employee ($millions) | 6.3059% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0509% | 363 |
| Loan loss allowance to noncurrent loans | 127.6932% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 2.6251% | 1,028 |
| Noncurrent loans to loans | 2.3893% | 1,330 |
| Net loans and leases to total assets | 51.1393% | 4,841 |
| Net loans and leases to deposits | 69.4997% | 3,883 |
| Net loans and leases to core deposits | 71.4614% | 4,107 |
| Total domestic deposits to total assets | 73.5820% | 6,147 |
| Equity capital to assets | 6.8658% | 6,459 |
| Core capital (leverage) ratio | 10.0111% | 3,592 |
| Tier 1 risk-based capital ratio | 15.7152% | 3,237 |
| Total risk-based capital ratio | 16.9285% | 3,197 |
| Memoranda: | ||
| Average total assets | $723,893,330 | 937 |
| Average earning assets | $669,064,330 | 923 |
| Average equity | $45,728,000 | 1,567 |
| Average total loans | $368,612,000 | 1,198 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2621% | 2,658 |
| Cost of funding earning assets | 0.9740% | 306 |
| Net interest margin | 3.2881% | 4,595 |
| Noninterest income to average assets | 0.3387% | 4,667 |
| Noninterest expense to average assets | 2.8034% | 3,549 |
| Loan and lease loss provision to assets | -0.3519% | 6,634 |
| Net operating income to assets | 0.9229% | 2,539 |
| Return on assets (ROA) | 0.8585% | 2,927 |
| Pretax return on assets | 0.8585% | 3,870 |
| Return on Equity (ROE) | 14.2006% | 908 |
| Retained earnings to average equity (ytd only) | 14.2006% | 378 |
| Net charge-offs to loans | 1.2837% | 261 |
| Credit loss provision to net charge-offs | -54.8027% | 4,763 |
| Earnings coverage of net charge-offs (x) | 0.8894% | 3,239 |
| Efficiency ratio | 83.0777% | 1,787 |
| Assets per employee ($millions) | 6.2621% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3081% | 322 |
| Loan loss allowance to noncurrent loans | 126.9770% | 3,026 |
| Noncurrent assets plus other real estate owned to assets | 2.5761% | 1,221 |
| Noncurrent loans to loans | 2.6053% | 1,320 |
| Net loans and leases to total assets | 47.7456% | 5,161 |
| Net loans and leases to deposits | 64.8294% | 4,227 |
| Net loans and leases to core deposits | 66.6703% | 4,427 |
| Total domestic deposits to total assets | 73.6481% | 6,271 |
| Equity capital to assets | 6.2860% | 6,545 |
| Core capital (leverage) ratio | 9.9195% | 3,678 |
| Tier 1 risk-based capital ratio | 15.7366% | 3,310 |
| Total risk-based capital ratio | 17.0031% | 3,267 |
| Memoranda: | ||
| Average total assets | $726,401,000 | 938 |
| Average earning assets | $670,652,500 | 926 |
| Average equity | $43,913,500 | 1,615 |
| Average total loans | $363,319,000 | 1,219 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 3,853 |
| Cost of funding earning assets | 1.0666% | 331 |
| Net interest margin | 3.0014% | 5,575 |
| Noninterest income to average assets | 0.6991% | 2,549 |
| Noninterest expense to average assets | 3.2724% | 2,212 |
| Loan and lease loss provision to assets | -0.1175% | 6,510 |
| Net operating income to assets | 0.2781% | 5,595 |
| Return on assets (ROA) | 0.3646% | 5,395 |
| Pretax return on assets | 0.3646% | 5,572 |
| Return on Equity (ROE) | 5.8992% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.8992% | 2,039 |
| Net charge-offs to loans | 0.7467% | 857 |
| Credit loss provision to net charge-offs | -32.0824% | 5,748 |
| Earnings coverage of net charge-offs (x) | 0.4386% | 4,932 |
| Efficiency ratio | 95.3211% | 679 |
| Assets per employee ($millions) | 6.3165% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7155% | 240 |
| Loan loss allowance to noncurrent loans | 134.5968% | 2,895 |
| Noncurrent assets plus other real estate owned to assets | 2.7222% | 1,223 |
| Noncurrent loans to loans | 2.7605% | 1,293 |
| Net loans and leases to total assets | 48.7715% | 5,216 |
| Net loans and leases to deposits | 66.6346% | 4,229 |
| Net loans and leases to core deposits | 68.5750% | 4,442 |
| Total domestic deposits to total assets | 73.1924% | 6,339 |
| Equity capital to assets | 5.8047% | 6,633 |
| Core capital (leverage) ratio | 9.7261% | 3,952 |
| Tier 1 risk-based capital ratio | 15.1634% | 3,568 |
| Total risk-based capital ratio | 16.4344% | 3,499 |
| Memoranda: | ||
| Average total assets | $742,086,000 | 896 |
| Average earning assets | $675,957,800 | 896 |
| Average equity | $45,870,600 | 1,526 |
| Average total loans | $363,983,800 | 1,172 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0214% | 4,051 |
| Cost of funding earning assets | 1.0850% | 336 |
| Net interest margin | 2.9365% | 5,724 |
| Noninterest income to average assets | 0.5871% | 3,235 |
| Noninterest expense to average assets | 3.3488% | 1,953 |
| Loan and lease loss provision to assets | -0.0350% | 6,525 |
| Net operating income to assets | -0.0599% | 6,349 |
| Return on assets (ROA) | 0.0166% | 6,329 |
| Pretax return on assets | 0.0166% | 6,306 |
| Return on Equity (ROE) | 0.2650% | 6,318 |
| Retained earnings to average equity (ytd only) | 0.2650% | 5,863 |
| Net charge-offs to loans | 0.8764% | 667 |
| Credit loss provision to net charge-offs | -8.2146% | 5,601 |
| Earnings coverage of net charge-offs (x) | -0.2225% | 4,917 |
| Efficiency ratio | 102.9166% | 382 |
| Assets per employee ($millions) | 6.2393% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8900% | 258 |
| Loan loss allowance to noncurrent loans | 108.9917% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 3.7499% | 875 |
| Noncurrent loans to loans | 3.5691% | 1,062 |
| Net loans and leases to total assets | 49.6810% | 5,173 |
| Net loans and leases to deposits | 69.0045% | 3,931 |
| Net loans and leases to core deposits | 70.5196% | 4,263 |
| Total domestic deposits to total assets | 71.9968% | 6,496 |
| Equity capital to assets | 5.9703% | 6,700 |
| Core capital (leverage) ratio | 10.0852% | 3,547 |
| Tier 1 risk-based capital ratio | 15.4322% | 3,505 |
| Total risk-based capital ratio | 16.7047% | 3,450 |
| Memoranda: | ||
| Average total assets | $746,008,500 | 903 |
| Average earning assets | $677,490,000 | 895 |
| Average equity | $46,797,000 | 1,510 |
| Average total loans | $362,993,500 | 1,181 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 4,286 |
| Cost of funding earning assets | 1.1103% | 322 |
| Net interest margin | 2.8416% | 5,921 |
| Noninterest income to average assets | 0.5731% | 3,360 |
| Noninterest expense to average assets | 3.5520% | 1,500 |
| Loan and lease loss provision to assets | -0.1102% | 6,723 |
| Net operating income to assets | -0.2875% | 6,545 |
| Return on assets (ROA) | -0.1315% | 6,483 |
| Pretax return on assets | -0.1315% | 6,452 |
| Return on Equity (ROE) | -2.0640% | 6,528 |
| Retained earnings to average equity (ytd only) | -2.0640% | 6,199 |
| Net charge-offs to loans | 0.9313% | 664 |
| Credit loss provision to net charge-offs | -24.8201% | 5,485 |
| Earnings coverage of net charge-offs (x) | -0.8957% | 4,706 |
| Efficiency ratio | 112.6076% | 245 |
| Assets per employee ($millions) | 5.6200% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1101% | 231 |
| Loan loss allowance to noncurrent loans | 85.4866% | 3,858 |
| Noncurrent assets plus other real estate owned to assets | 4.1462% | 822 |
| Noncurrent loans to loans | 4.8078% | 695 |
| Net loans and leases to total assets | 47.7376% | 5,355 |
| Net loans and leases to deposits | 66.5908% | 4,197 |
| Net loans and leases to core deposits | 67.9057% | 4,509 |
| Total domestic deposits to total assets | 71.6881% | 6,576 |
| Equity capital to assets | 6.0151% | 6,740 |
| Core capital (leverage) ratio | 9.8900% | 3,661 |
| Tier 1 risk-based capital ratio | 15.3444% | 3,569 |
| Total risk-based capital ratio | 16.6183% | 3,511 |
| Memoranda: | ||
| Average total assets | $751,345,000 | 894 |
| Average earning assets | $682,500,670 | 889 |
| Average equity | $47,868,330 | 1,488 |
| Average total loans | $358,208,000 | 1,191 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9276% | 4,373 |
| Cost of funding earning assets | 1.1561% | 277 |
| Net interest margin | 2.7715% | 6,086 |
| Noninterest income to average assets | 0.7152% | 2,509 |
| Noninterest expense to average assets | 3.1885% | 2,382 |
| Loan and lease loss provision to assets | -0.1328% | 6,858 |
| Net operating income to assets | 0.1783% | 5,958 |
| Return on assets (ROA) | 0.1074% | 6,226 |
| Pretax return on assets | 0.1074% | 6,248 |
| Return on Equity (ROE) | 1.6407% | 6,046 |
| Retained earnings to average equity (ytd only) | 1.6407% | 5,159 |
| Net charge-offs to loans | 1.8386% | 259 |
| Credit loss provision to net charge-offs | -15.4843% | 4,975 |
| Earnings coverage of net charge-offs (x) | 0.0531% | 3,804 |
| Efficiency ratio | 98.5932% | 608 |
| Assets per employee ($millions) | 5.4360% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2804% | 228 |
| Loan loss allowance to noncurrent loans | 87.6566% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 4.1090% | 955 |
| Noncurrent loans to loans | 4.8831% | 789 |
| Net loans and leases to total assets | 46.2097% | 5,414 |
| Net loans and leases to deposits | 64.0437% | 4,307 |
| Net loans and leases to core deposits | 65.1715% | 4,636 |
| Total domestic deposits to total assets | 72.1534% | 6,648 |
| Equity capital to assets | 6.6699% | 6,765 |
| Core capital (leverage) ratio | 9.8493% | 3,598 |
| Tier 1 risk-based capital ratio | 16.0087% | 3,264 |
| Total risk-based capital ratio | 17.2841% | 3,207 |
| Memoranda: | ||
| Average total assets | $756,099,500 | 896 |
| Average earning assets | $687,128,500 | 895 |
| Average equity | $49,491,500 | 1,467 |
| Average total loans | $352,655,000 | 1,206 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3926% | 3,838 |
| Cost of funding earning assets | 1.3580% | 297 |
| Net interest margin | 3.0346% | 5,966 |
| Noninterest income to average assets | -0.2031% | 6,959 |
| Noninterest expense to average assets | 3.5833% | 1,645 |
| Loan and lease loss provision to assets | 0.7395% | 687 |
| Net operating income to assets | -1.8032% | 6,908 |
| Return on assets (ROA) | -1.6329% | 6,898 |
| Pretax return on assets | -1.6329% | 6,881 |
| Return on Equity (ROE) | -22.3070% | 6,907 |
| Retained earnings to average equity (ytd only) | -22.3070% | 6,878 |
| Net charge-offs to loans | 1.3441% | 710 |
| Credit loss provision to net charge-offs | 117.2205% | 2,461 |
| Earnings coverage of net charge-offs (x) | -1.6863% | 5,818 |
| Efficiency ratio | 142.2209% | 111 |
| Assets per employee ($millions) | 5.0491% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9918% | 139 |
| Loan loss allowance to noncurrent loans | 75.0413% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 4.7191% | 854 |
| Noncurrent loans to loans | 6.6521% | 490 |
| Net loans and leases to total assets | 42.8060% | 5,916 |
| Net loans and leases to deposits | 58.5529% | 5,177 |
| Net loans and leases to core deposits | 59.5902% | 5,406 |
| Total domestic deposits to total assets | 73.1064% | 6,610 |
| Equity capital to assets | 6.4250% | 6,852 |
| Core capital (leverage) ratio | 9.4618% | 4,166 |
| Tier 1 risk-based capital ratio | 16.2969% | 2,996 |
| Total risk-based capital ratio | 17.5784% | 2,937 |
| Memoranda: | ||
| Average total assets | $810,995,600 | 813 |
| Average earning assets | $727,603,800 | 823 |
| Average equity | $59,367,000 | 1,197 |
| Average total loans | $380,633,200 | 1,098 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5275% | 3,528 |
| Cost of funding earning assets | 1.3940% | 297 |
| Net interest margin | 3.1335% | 5,857 |
| Noninterest income to average assets | 0.6865% | 2,775 |
| Noninterest expense to average assets | 4.1462% | 777 |
| Loan and lease loss provision to assets | 0.5451% | 1,076 |
| Net operating income to assets | -1.2005% | 6,908 |
| Return on assets (ROA) | -1.0399% | 6,897 |
| Pretax return on assets | -1.0399% | 6,874 |
| Return on Equity (ROE) | -13.8110% | 6,917 |
| Retained earnings to average equity (ytd only) | -13.8110% | 6,888 |
| Net charge-offs to loans | 0.7955% | 1,386 |
| Credit loss provision to net charge-offs | 144.6406% | 1,976 |
| Earnings coverage of net charge-offs (x) | -1.7391% | 5,634 |
| Efficiency ratio | 118.7750% | 203 |
| Assets per employee ($millions) | 5.0295% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0365% | 143 |
| Loan loss allowance to noncurrent loans | 62.5633% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 6.2346% | 623 |
| Noncurrent loans to loans | 8.0503% | 388 |
| Net loans and leases to total assets | 41.3257% | 6,177 |
| Net loans and leases to deposits | 56.8759% | 5,547 |
| Net loans and leases to core deposits | 57.7956% | 5,747 |
| Total domestic deposits to total assets | 72.6593% | 6,703 |
| Equity capital to assets | 7.3940% | 6,793 |
| Core capital (leverage) ratio | 10.0511% | 3,471 |
| Tier 1 risk-based capital ratio | 17.2825% | 2,613 |
| Total risk-based capital ratio | 18.5626% | 2,565 |
| Memoranda: | ||
| Average total assets | $821,877,000 | 806 |
| Average earning assets | $735,515,000 | 820 |
| Average equity | $61,881,250 | 1,161 |
| Average total loans | $389,345,500 | 1,086 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6413% | 3,177 |
| Cost of funding earning assets | 1.4325% | 311 |
| Net interest margin | 3.2087% | 5,707 |
| Noninterest income to average assets | 0.7955% | 2,207 |
| Noninterest expense to average assets | 3.9138% | 1,057 |
| Loan and lease loss provision to assets | 0.3849% | 1,703 |
| Net operating income to assets | -0.6378% | 6,794 |
| Return on assets (ROA) | -0.4118% | 6,736 |
| Pretax return on assets | -0.4118% | 6,703 |
| Return on Equity (ROE) | -5.4384% | 6,788 |
| Retained earnings to average equity (ytd only) | -5.4384% | 6,646 |
| Net charge-offs to loans | 0.2397% | 3,134 |
| Credit loss provision to net charge-offs | 330.3719% | 899 |
| Earnings coverage of net charge-offs (x) | -2.1715% | 5,385 |
| Efficiency ratio | 106.9099% | 380 |
| Assets per employee ($millions) | 5.4548% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6535% | 207 |
| Loan loss allowance to noncurrent loans | 54.4270% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 6.7377% | 599 |
| Noncurrent loans to loans | 8.5500% | 382 |
| Net loans and leases to total assets | 43.5195% | 6,065 |
| Net loans and leases to deposits | 60.9091% | 5,153 |
| Net loans and leases to core deposits | 61.8283% | 5,404 |
| Total domestic deposits to total assets | 71.4499% | 6,833 |
| Equity capital to assets | 7.5733% | 6,769 |
| Core capital (leverage) ratio | 10.3797% | 2,950 |
| Tier 1 risk-based capital ratio | 16.7682% | 2,778 |
| Total risk-based capital ratio | 18.0451% | 2,718 |
| Memoranda: | ||
| Average total assets | $830,949,670 | 796 |
| Average earning assets | $742,035,000 | 811 |
| Average equity | $62,922,670 | 1,130 |
| Average total loans | $403,855,670 | 1,042 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7260% | 2,949 |
| Cost of funding earning assets | 1.5053% | 280 |
| Net interest margin | 3.2206% | 5,731 |
| Noninterest income to average assets | 0.2507% | 5,850 |
| Noninterest expense to average assets | 3.8107% | 1,201 |
| Loan and lease loss provision to assets | 0.0403% | 4,883 |
| Net operating income to assets | -0.7261% | 6,925 |
| Return on assets (ROA) | -0.4275% | 6,821 |
| Pretax return on assets | -0.4275% | 6,796 |
| Return on Equity (ROE) | -5.6461% | 6,872 |
| Retained earnings to average equity (ytd only) | -5.6461% | 6,631 |
| Net charge-offs to loans | 0.0096% | 4,593 |
| Credit loss provision to net charge-offs | 840.0000% | 414 |
| Earnings coverage of net charge-offs (x) | -143.1000% | 4,723 |
| Efficiency ratio | 121.9479% | 203 |
| Assets per employee ($millions) | 5.3114% | 1,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0239% | 362 |
| Loan loss allowance to noncurrent loans | 39.9040% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 7.8644% | 493 |
| Noncurrent loans to loans | 10.0840% | 301 |
| Net loans and leases to total assets | 47.3642% | 5,635 |
| Net loans and leases to deposits | 67.3889% | 4,164 |
| Net loans and leases to core deposits | 69.0763% | 4,553 |
| Total domestic deposits to total assets | 70.2849% | 6,966 |
| Equity capital to assets | 7.5931% | 6,746 |
| Core capital (leverage) ratio | 10.3011% | 2,992 |
| Tier 1 risk-based capital ratio | 16.1500% | 3,096 |
| Total risk-based capital ratio | 17.4224% | 3,051 |
| Memoranda: | ||
| Average total assets | $834,590,000 | 796 |
| Average earning assets | $744,821,500 | 811 |
| Average equity | $63,194,500 | 1,116 |
| Average total loans | $417,807,500 | 999 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9731% | 3,005 |
| Cost of funding earning assets | 1.7828% | 231 |
| Net interest margin | 3.1903% | 6,122 |
| Noninterest income to average assets | 0.7306% | 2,437 |
| Noninterest expense to average assets | 3.4031% | 2,228 |
| Loan and lease loss provision to assets | 0.8527% | 1,138 |
| Net operating income to assets | -0.7112% | 6,611 |
| Return on assets (ROA) | -0.8794% | 6,716 |
| Pretax return on assets | -0.8794% | 6,682 |
| Return on Equity (ROE) | -11.6978% | 6,788 |
| Retained earnings to average equity (ytd only) | -11.6978% | 6,755 |
| Net charge-offs to loans | 2.6347% | 423 |
| Credit loss provision to net charge-offs | 61.6954% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.1024% | 5,755 |
| Efficiency ratio | 96.0057% | 819 |
| Assets per employee ($millions) | 5.5302% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8387% | 423 |
| Loan loss allowance to noncurrent loans | 31.9149% | 6,087 |
| Noncurrent assets plus other real estate owned to assets | 8.5612% | 438 |
| Noncurrent loans to loans | 12.0279% | 221 |
| Net loans and leases to total assets | 48.8140% | 5,739 |
| Net loans and leases to deposits | 70.4772% | 4,025 |
| Net loans and leases to core deposits | 72.1801% | 4,498 |
| Total domestic deposits to total assets | 69.2621% | 7,020 |
| Equity capital to assets | 7.5511% | 6,791 |
| Core capital (leverage) ratio | 10.4803% | 2,752 |
| Tier 1 risk-based capital ratio | 15.7526% | 3,189 |
| Total risk-based capital ratio | 17.0232% | 3,133 |
| Memoranda: | ||
| Average total assets | $896,981,000 | 727 |
| Average earning assets | $791,214,400 | 748 |
| Average equity | $67,431,200 | 994 |
| Average total loans | $470,558,400 | 888 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0903% | 2,646 |
| Cost of funding earning assets | 1.8457% | 214 |
| Net interest margin | 3.2446% | 6,033 |
| Noninterest income to average assets | 0.6521% | 2,865 |
| Noninterest expense to average assets | 3.4888% | 1,965 |
| Loan and lease loss provision to assets | 0.8033% | 1,159 |
| Net operating income to assets | -0.7857% | 6,787 |
| Return on assets (ROA) | -1.0203% | 6,921 |
| Pretax return on assets | -1.0203% | 6,884 |
| Return on Equity (ROE) | -13.5862% | 6,982 |
| Retained earnings to average equity (ytd only) | -13.5862% | 6,956 |
| Net charge-offs to loans | 2.4203% | 461 |
| Credit loss provision to net charge-offs | 62.7960% | 4,714 |
| Earnings coverage of net charge-offs (x) | 0.0137% | 5,591 |
| Efficiency ratio | 99.4992% | 673 |
| Assets per employee ($millions) | 5.5168% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9981% | 391 |
| Loan loss allowance to noncurrent loans | 30.7297% | 6,213 |
| Noncurrent assets plus other real estate owned to assets | 9.3834% | 401 |
| Noncurrent loans to loans | 13.0105% | 199 |
| Net loans and leases to total assets | 50.5260% | 5,634 |
| Net loans and leases to deposits | 73.5077% | 3,721 |
| Net loans and leases to core deposits | 75.2448% | 4,290 |
| Total domestic deposits to total assets | 68.7356% | 7,102 |
| Equity capital to assets | 7.7154% | 6,838 |
| Core capital (leverage) ratio | 10.2084% | 3,183 |
| Tier 1 risk-based capital ratio | 15.2865% | 3,499 |
| Total risk-based capital ratio | 16.5591% | 3,456 |
| Memoranda: | ||
| Average total assets | $911,077,500 | 722 |
| Average earning assets | $801,479,750 | 743 |
| Average equity | $68,420,500 | 988 |
| Average total loans | $481,521,000 | 883 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0383% | 2,976 |
| Cost of funding earning assets | 1.9289% | 186 |
| Net interest margin | 3.1095% | 6,388 |
| Noninterest income to average assets | 0.7366% | 2,338 |
| Noninterest expense to average assets | 3.5439% | 1,875 |
| Loan and lease loss provision to assets | 1.0865% | 758 |
| Net operating income to assets | -1.1701% | 6,995 |
| Return on assets (ROA) | -1.2529% | 7,030 |
| Pretax return on assets | -1.2529% | 6,983 |
| Return on Equity (ROE) | -16.8239% | 7,103 |
| Retained earnings to average equity (ytd only) | -16.8239% | 7,083 |
| Net charge-offs to loans | 2.6678% | 416 |
| Credit loss provision to net charge-offs | 76.9617% | 3,856 |
| Earnings coverage of net charge-offs (x) | -0.0592% | 5,317 |
| Efficiency ratio | 102.4135% | 651 |
| Assets per employee ($millions) | 5.8847% | 1,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2421% | 348 |
| Loan loss allowance to noncurrent loans | 31.2678% | 6,187 |
| Noncurrent assets plus other real estate owned to assets | 9.9089% | 397 |
| Noncurrent loans to loans | 13.5670% | 179 |
| Net loans and leases to total assets | 49.1744% | 5,924 |
| Net loans and leases to deposits | 69.9503% | 4,447 |
| Net loans and leases to core deposits | 75.0654% | 4,427 |
| Total domestic deposits to total assets | 70.2990% | 7,092 |
| Equity capital to assets | 7.3382% | 7,020 |
| Core capital (leverage) ratio | 9.6804% | 3,685 |
| Tier 1 risk-based capital ratio | 14.9043% | 3,543 |
| Total risk-based capital ratio | 16.1790% | 3,505 |
| Memoranda: | ||
| Average total assets | $931,575,330 | 717 |
| Average earning assets | $816,023,330 | 745 |
| Average equity | $69,377,670 | 977 |
| Average total loans | $492,982,000 | 878 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1220% | 2,545 |
| Cost of funding earning assets | 1.9508% | 204 |
| Net interest margin | 3.1712% | 6,164 |
| Noninterest income to average assets | 0.5731% | 3,353 |
| Noninterest expense to average assets | 2.8903% | 4,101 |
| Loan and lease loss provision to assets | 0.8801% | 924 |
| Net operating income to assets | -0.4341% | 6,763 |
| Return on assets (ROA) | -0.5904% | 6,866 |
| Pretax return on assets | -0.5904% | 6,810 |
| Return on Equity (ROE) | -7.8726% | 6,957 |
| Retained earnings to average equity (ytd only) | -7.8726% | 6,744 |
| Net charge-offs to loans | 0.1298% | 3,736 |
| Credit loss provision to net charge-offs | 1,263.0303% | 313 |
| Earnings coverage of net charge-offs (x) | 6.4000% | 2,108 |
| Efficiency ratio | 86.6329% | 1,646 |
| Assets per employee ($millions) | 5.9825% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6986% | 243 |
| Loan loss allowance to noncurrent loans | 35.6532% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 10.5366% | 368 |
| Noncurrent loans to loans | 13.1786% | 220 |
| Net loans and leases to total assets | 50.7413% | 5,747 |
| Net loans and leases to deposits | 72.1368% | 4,057 |
| Net loans and leases to core deposits | 80.2500% | 3,712 |
| Total domestic deposits to total assets | 70.3404% | 7,165 |
| Equity capital to assets | 7.6028% | 6,813 |
| Core capital (leverage) ratio | 9.9777% | 3,165 |
| Tier 1 risk-based capital ratio | 14.8487% | 3,506 |
| Total risk-based capital ratio | 16.1281% | 3,452 |
| Memoranda: | ||
| Average total assets | $947,180,500 | 712 |
| Average earning assets | $825,307,000 | 735 |
| Average equity | $71,031,000 | 948 |
| Average total loans | $508,291,500 | 863 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5180% | 2,214 |
| Cost of funding earning assets | 2.5696% | 83 |
| Net interest margin | 2.9484% | 6,825 |
| Noninterest income to average assets | 0.6151% | 3,378 |
| Noninterest expense to average assets | 3.3318% | 2,634 |
| Loan and lease loss provision to assets | 1.9299% | 696 |
| Net operating income to assets | -2.0817% | 7,079 |
| Return on assets (ROA) | -2.0151% | 7,072 |
| Pretax return on assets | -1.9969% | 7,030 |
| Return on Equity (ROE) | -28.8088% | 7,206 |
| Retained earnings to average equity (ytd only) | -28.8088% | 7,194 |
| Net charge-offs to loans | 4.8904% | 189 |
| Credit loss provision to net charge-offs | 74.6616% | 5,745 |
| Earnings coverage of net charge-offs (x) | -0.0517% | 6,174 |
| Efficiency ratio | 104.1775% | 667 |
| Assets per employee ($millions) | 6.2778% | 1,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0165% | 396 |
| Loan loss allowance to noncurrent loans | 32.3330% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 9.9007% | 419 |
| Noncurrent loans to loans | 12.4223% | 262 |
| Net loans and leases to total assets | 51.8905% | 5,924 |
| Net loans and leases to deposits | 72.4151% | 4,440 |
| Net loans and leases to core deposits | 84.5674% | 3,517 |
| Total domestic deposits to total assets | 71.6571% | 7,111 |
| Equity capital to assets | 7.4011% | 6,935 |
| Core capital (leverage) ratio | 9.2404% | 4,107 |
| Tier 1 risk-based capital ratio | 14.2663% | 3,702 |
| Total risk-based capital ratio | 15.5401% | 3,636 |
| Memoranda: | ||
| Average total assets | $1,086,040,600 | 617 |
| Average earning assets | $951,485,600 | 634 |
| Average equity | $75,966,400 | 868 |
| Average total loans | $574,023,600 | 778 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5669% | 2,188 |
| Cost of funding earning assets | 2.6403% | 82 |
| Net interest margin | 2.9267% | 6,966 |
| Noninterest income to average assets | 0.5585% | 3,716 |
| Noninterest expense to average assets | 3.1043% | 3,316 |
| Loan and lease loss provision to assets | 0.9005% | 1,686 |
| Net operating income to assets | -0.8944% | 6,840 |
| Return on assets (ROA) | -0.8224% | 6,838 |
| Pretax return on assets | -0.8030% | 6,739 |
| Return on Equity (ROE) | -11.9082% | 7,011 |
| Retained earnings to average equity (ytd only) | -11.9082% | 6,973 |
| Net charge-offs to loans | 3.1441% | 471 |
| Credit loss provision to net charge-offs | 54.4612% | 5,815 |
| Earnings coverage of net charge-offs (x) | 0.0154% | 6,013 |
| Efficiency ratio | 99.1857% | 768 |
| Assets per employee ($millions) | 6.6103% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9454% | 384 |
| Loan loss allowance to noncurrent loans | 29.0581% | 6,387 |
| Noncurrent assets plus other real estate owned to assets | 10.1637% | 395 |
| Noncurrent loans to loans | 13.5777% | 203 |
| Net loans and leases to total assets | 51.8199% | 6,121 |
| Net loans and leases to deposits | 78.2123% | 3,789 |
| Net loans and leases to core deposits | 93.1665% | 2,634 |
| Total domestic deposits to total assets | 66.2554% | 7,459 |
| Equity capital to assets | 7.6103% | 7,053 |
| Core capital (leverage) ratio | 9.4532% | 3,978 |
| Tier 1 risk-based capital ratio | 14.1474% | 3,726 |
| Total risk-based capital ratio | 15.4210% | 3,679 |
| Memoranda: | ||
| Average total assets | $1,114,286,250 | 590 |
| Average earning assets | $978,972,750 | 609 |
| Average equity | $76,953,750 | 858 |
| Average total loans | $586,016,000 | 773 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6408% | 1,980 |
| Cost of funding earning assets | 2.7136% | 85 |
| Net interest margin | 2.9272% | 6,975 |
| Noninterest income to average assets | 0.5962% | 3,365 |
| Noninterest expense to average assets | 2.9102% | 4,039 |
| Loan and lease loss provision to assets | 0.9352% | 1,565 |
| Net operating income to assets | -0.6948% | 6,805 |
| Return on assets (ROA) | -0.7343% | 6,845 |
| Pretax return on assets | -0.7158% | 6,734 |
| Return on Equity (ROE) | -10.9698% | 6,995 |
| Retained earnings to average equity (ytd only) | -10.9698% | 6,950 |
| Net charge-offs to loans | 4.5422% | 252 |
| Credit loss provision to net charge-offs | 39.4562% | 5,621 |
| Earnings coverage of net charge-offs (x) | 0.1093% | 5,613 |
| Efficiency ratio | 91.8269% | 1,201 |
| Assets per employee ($millions) | 6.9702% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5133% | 534 |
| Loan loss allowance to noncurrent loans | 29.8214% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 9.0101% | 494 |
| Noncurrent loans to loans | 11.7811% | 302 |
| Net loans and leases to total assets | 50.6350% | 6,361 |
| Net loans and leases to deposits | 76.1403% | 4,308 |
| Net loans and leases to core deposits | 96.7976% | 2,351 |
| Total domestic deposits to total assets | 66.5023% | 7,507 |
| Equity capital to assets | 6.9430% | 7,369 |
| Core capital (leverage) ratio | 8.8344% | 4,857 |
| Tier 1 risk-based capital ratio | 13.2989% | 4,210 |
| Total risk-based capital ratio | 14.5673% | 4,153 |
| Memoranda: | ||
| Average total assets | $1,141,982,000 | 578 |
| Average earning assets | $1,003,824,330 | 594 |
| Average equity | $76,446,000 | 859 |
| Average total loans | $595,916,330 | 753 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5942% | 2,171 |
| Cost of funding earning assets | 2.7987% | 88 |
| Net interest margin | 2.7955% | 7,184 |
| Noninterest income to average assets | 0.3955% | 4,951 |
| Noninterest expense to average assets | 2.3388% | 6,283 |
| Loan and lease loss provision to assets | 0.3014% | 3,626 |
| Net operating income to assets | 0.2004% | 5,691 |
| Return on assets (ROA) | 0.0667% | 6,222 |
| Pretax return on assets | 0.0787% | 6,194 |
| Return on Equity (ROE) | 1.0140% | 6,108 |
| Retained earnings to average equity (ytd only) | 1.0140% | 5,404 |
| Net charge-offs to loans | 2.3432% | 716 |
| Credit loss provision to net charge-offs | 24.7125% | 4,893 |
| Earnings coverage of net charge-offs (x) | 0.4205% | 4,655 |
| Efficiency ratio | 82.0178% | 2,269 |
| Assets per employee ($millions) | 7.1661% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2968% | 291 |
| Loan loss allowance to noncurrent loans | 33.8853% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 8.9386% | 503 |
| Noncurrent loans to loans | 12.6806% | 261 |
| Net loans and leases to total assets | 50.2764% | 6,437 |
| Net loans and leases to deposits | 74.5632% | 4,662 |
| Net loans and leases to core deposits | 97.8712% | 2,358 |
| Total domestic deposits to total assets | 67.4279% | 7,557 |
| Equity capital to assets | 6.8870% | 7,414 |
| Core capital (leverage) ratio | 8.6388% | 5,139 |
| Tier 1 risk-based capital ratio | 13.4645% | 4,009 |
| Total risk-based capital ratio | 14.7410% | 3,954 |
| Memoranda: | ||
| Average total assets | $1,169,294,000 | 583 |
| Average earning assets | $1,027,351,500 | 596 |
| Average equity | $76,921,500 | 852 |
| Average total loans | $608,558,500 | 757 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8799% | 2,324 |
| Cost of funding earning assets | 3.3266% | 85 |
| Net interest margin | 2.5533% | 7,367 |
| Noninterest income to average assets | 0.5401% | 4,110 |
| Noninterest expense to average assets | 2.8689% | 4,659 |
| Loan and lease loss provision to assets | 1.5830% | 1,450 |
| Net operating income to assets | -1.7324% | 6,977 |
| Return on assets (ROA) | -2.1953% | 7,162 |
| Pretax return on assets | -2.1585% | 6,998 |
| Return on Equity (ROE) | -36.7201% | 7,520 |
| Retained earnings to average equity (ytd only) | -36.7201% | 7,506 |
| Net charge-offs to loans | 2.8207% | 784 |
| Credit loss provision to net charge-offs | 102.7622% | 5,371 |
| Earnings coverage of net charge-offs (x) | -0.0731% | 6,300 |
| Efficiency ratio | 104.0826% | 953 |
| Assets per employee ($millions) | 7.6837% | 581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5383% | 243 |
| Loan loss allowance to noncurrent loans | 41.9108% | 5,616 |
| Noncurrent assets plus other real estate owned to assets | 8.0991% | 548 |
| Noncurrent loans to loans | 10.8284% | 352 |
| Net loans and leases to total assets | 49.2451% | 6,707 |
| Net loans and leases to deposits | 72.2342% | 5,295 |
| Net loans and leases to core deposits | 82.8440% | 5,831 |
| Total domestic deposits to total assets | 68.1742% | 7,534 |
| Equity capital to assets | 6.2888% | 7,615 |
| Core capital (leverage) ratio | 8.0926% | 6,004 |
| Tier 1 risk-based capital ratio | 12.0934% | 4,855 |
| Total risk-based capital ratio | 13.3698% | 4,800 |
| Memoranda: | ||
| Average total assets | $1,177,460,800 | 566 |
| Average earning assets | $1,022,046,000 | 592 |
| Average equity | $70,394,600 | 925 |
| Average total loans | $643,020,800 | 731 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9313% | 2,312 |
| Cost of funding earning assets | 3.3881% | 104 |
| Net interest margin | 2.5431% | 7,416 |
| Noninterest income to average assets | 0.3989% | 5,293 |
| Noninterest expense to average assets | 2.5432% | 5,925 |
| Loan and lease loss provision to assets | 1.3148% | 1,470 |
| Net operating income to assets | -1.3343% | 7,029 |
| Return on assets (ROA) | -1.8413% | 7,249 |
| Pretax return on assets | -1.7638% | 7,074 |
| Return on Equity (ROE) | -31.2160% | 7,638 |
| Retained earnings to average equity (ytd only) | -31.2160% | 7,620 |
| Net charge-offs to loans | 3.3203% | 474 |
| Credit loss provision to net charge-offs | 71.4905% | 5,951 |
| Earnings coverage of net charge-offs (x) | 0.0315% | 6,020 |
| Efficiency ratio | 97.7706% | 1,173 |
| Assets per employee ($millions) | 7.6711% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6193% | 377 |
| Loan loss allowance to noncurrent loans | 28.7652% | 6,550 |
| Noncurrent assets plus other real estate owned to assets | 8.3283% | 496 |
| Noncurrent loans to loans | 12.5823% | 242 |
| Net loans and leases to total assets | 48.3888% | 6,919 |
| Net loans and leases to deposits | 72.6194% | 5,567 |
| Net loans and leases to core deposits | 83.0105% | 6,118 |
| Total domestic deposits to total assets | 66.6334% | 7,654 |
| Equity capital to assets | 6.6939% | 7,714 |
| Core capital (leverage) ratio | 8.8001% | 4,973 |
| Tier 1 risk-based capital ratio | 12.1932% | 4,795 |
| Total risk-based capital ratio | 13.4594% | 4,728 |
| Memoranda: | ||
| Average total assets | $1,170,239,250 | 581 |
| Average earning assets | $1,013,430,000 | 606 |
| Average equity | $69,027,000 | 961 |
| Average total loans | $648,198,750 | 742 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0665% | 1,918 |
| Cost of funding earning assets | 3.4791% | 119 |
| Net interest margin | 2.5873% | 7,372 |
| Noninterest income to average assets | 0.4020% | 5,267 |
| Noninterest expense to average assets | 2.3783% | 6,531 |
| Loan and lease loss provision to assets | 1.5259% | 1,118 |
| Net operating income to assets | -1.3342% | 7,178 |
| Return on assets (ROA) | -2.0770% | 7,442 |
| Pretax return on assets | -2.0112% | 7,290 |
| Return on Equity (ROE) | -37.0811% | 7,814 |
| Retained earnings to average equity (ytd only) | -37.0811% | 7,797 |
| Net charge-offs to loans | 3.1332% | 520 |
| Credit loss provision to net charge-offs | 84.9525% | 5,062 |
| Earnings coverage of net charge-offs (x) | 0.1434% | 5,525 |
| Efficiency ratio | 90.2271% | 1,785 |
| Assets per employee ($millions) | 7.2820% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9816% | 262 |
| Loan loss allowance to noncurrent loans | 32.4332% | 6,305 |
| Noncurrent assets plus other real estate owned to assets | 9.1642% | 365 |
| Noncurrent loans to loans | 12.2764% | 214 |
| Net loans and leases to total assets | 52.5971% | 6,614 |
| Net loans and leases to deposits | 79.6213% | 4,595 |
| Net loans and leases to core deposits | 90.6323% | 5,483 |
| Total domestic deposits to total assets | 66.0591% | 7,738 |
| Equity capital to assets | 6.0705% | 7,916 |
| Core capital (leverage) ratio | 8.8150% | 4,923 |
| Tier 1 risk-based capital ratio | 10.9389% | 5,937 |
| Total risk-based capital ratio | 12.2073% | 5,858 |
| Memoranda: | ||
| Average total assets | $1,135,853,330 | 607 |
| Average earning assets | $980,704,330 | 636 |
| Average equity | $63,622,670 | 1,066 |
| Average total loans | $651,158,330 | 758 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1572% | 1,735 |
| Cost of funding earning assets | 3.5107% | 150 |
| Net interest margin | 2.6465% | 7,301 |
| Noninterest income to average assets | 0.3039% | 6,007 |
| Noninterest expense to average assets | 2.2821% | 6,598 |
| Loan and lease loss provision to assets | 1.0002% | 1,304 |
| Net operating income to assets | -0.7913% | 7,121 |
| Return on assets (ROA) | -0.8210% | 7,174 |
| Pretax return on assets | -0.7206% | 6,982 |
| Return on Equity (ROE) | -15.3584% | 7,616 |
| Retained earnings to average equity (ytd only) | -15.3584% | 7,453 |
| Net charge-offs to loans | 2.7311% | 482 |
| Credit loss provision to net charge-offs | 62.3700% | 4,478 |
| Earnings coverage of net charge-offs (x) | 0.1929% | 4,826 |
| Efficiency ratio | 88.0633% | 1,892 |
| Assets per employee ($millions) | 6.7574% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0176% | 218 |
| Loan loss allowance to noncurrent loans | 37.7988% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 7.8138% | 397 |
| Noncurrent loans to loans | 10.6288% | 250 |
| Net loans and leases to total assets | 54.5531% | 6,404 |
| Net loans and leases to deposits | 84.7435% | 3,859 |
| Net loans and leases to core deposits | 93.5229% | 5,202 |
| Total domestic deposits to total assets | 64.3744% | 7,830 |
| Equity capital to assets | 6.3079% | 7,932 |
| Core capital (leverage) ratio | 10.2703% | 3,139 |
| Tier 1 risk-based capital ratio | 11.8377% | 5,086 |
| Total risk-based capital ratio | 13.1057% | 4,984 |
| Memoranda: | ||
| Average total assets | $1,103,018,500 | 624 |
| Average earning assets | $953,423,500 | 661 |
| Average equity | $58,964,500 | 1,156 |
| Average total loans | $647,651,500 | 763 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9025% | 1,386 |
| Cost of funding earning assets | 3.6814% | 285 |
| Net interest margin | 3.2212% | 6,304 |
| Noninterest income to average assets | 0.8087% | 2,467 |
| Noninterest expense to average assets | 2.5592% | 5,794 |
| Loan and lease loss provision to assets | 1.9037% | 658 |
| Net operating income to assets | -1.3308% | 7,405 |
| Return on assets (ROA) | -3.0726% | 7,811 |
| Pretax return on assets | -2.5704% | 7,608 |
| Return on Equity (ROE) | -40.5978% | 8,083 |
| Retained earnings to average equity (ytd only) | -45.4134% | 8,098 |
| Net charge-offs to loans | 1.8569% | 591 |
| Credit loss provision to net charge-offs | 181.3768% | 2,767 |
| Earnings coverage of net charge-offs (x) | 1.0243% | 5,616 |
| Efficiency ratio | 70.4184% | 4,268 |
| Assets per employee ($millions) | 6.3335% | 971 |
| Cash dividends to net income (ytd only)* | -11.8617% | 7,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2928% | 155 |
| Loan loss allowance to noncurrent loans | 32.6261% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 8.9633% | 226 |
| Noncurrent loans to loans | 13.1574% | 97 |
| Net loans and leases to total assets | 58.1266% | 6,182 |
| Net loans and leases to deposits | 90.4798% | 3,370 |
| Net loans and leases to core deposits | 100.2080% | 4,807 |
| Total domestic deposits to total assets | 64.2427% | 7,776 |
| Equity capital to assets | 4.3131% | 8,239 |
| Core capital (leverage) ratio | 7.8071% | 6,790 |
| Tier 1 risk-based capital ratio | 8.9891% | 7,790 |
| Total risk-based capital ratio | 10.2598% | 7,769 |
| Memoranda: | ||
| Average total assets | $1,098,890,200 | 604 |
| Average earning assets | $963,937,800 | 621 |
| Average equity | $83,167,000 | 805 |
| Average total loans | $621,132,400 | 769 |