Home > Signature Bank > Performance and Condition Ratios
Signature Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7904% | 991 |
| Cost of funding earning assets | 0.4900% | 2,424 |
| Net interest margin | 4.3005% | 959 |
| Noninterest income to average assets | 0.4079% | 3,580 |
| Noninterest expense to average assets | 2.7299% | 3,030 |
| Loan and lease loss provision to assets | 0.1909% | 1,101 |
| Net operating income to assets | 1.6750% | 558 |
| Return on assets (ROA) | 1.6750% | 572 |
| Pretax return on assets | 1.6763% | 1,072 |
| Return on Equity (ROE) | 17.4788% | 349 |
| Retained earnings to average equity (ytd only) | 9.9049% | 361 |
| Net charge-offs to loans | 0.2116% | 1,231 |
| Credit loss provision to net charge-offs | 109.7953% | 2,376 |
| Earnings coverage of net charge-offs (x) | 10.7412% | 2,640 |
| Efficiency ratio | 59.3012% | 4,371 |
| Assets per employee ($millions) | 7.1797% | 899 |
| Cash dividends to net income (ytd only)* | 43.3318% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,273 |
| Loan loss allowance to noncurrent loans | 238.0202% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6040% | 2,532 |
| Noncurrent loans to loans | 0.4677% | 3,104 |
| Net loans and leases to total assets | 81.9317% | 691 |
| Net loans and leases to deposits | 91.0829% | 1,638 |
| Net loans and leases to core deposits | 109.0556% | 1,059 |
| Total domestic deposits to total assets | 89.9529% | 584 |
| Equity capital to assets | 9.6021% | 4,138 |
| Core capital (leverage) ratio | 9.4178% | 4,140 |
| Tier 1 risk-based capital ratio | 10.7362% | 5,276 |
| Total risk-based capital ratio | 11.8158% | 5,251 |
| Memoranda: | ||
| Average total assets | $393,493,400 | 1,729 |
| Average earning assets | $383,304,400 | 1,657 |
| Average equity | $37,708,600 | 1,944 |
| Average total loans | $323,304,200 | 1,468 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7004% | 1,134 |
| Cost of funding earning assets | 0.4818% | 2,417 |
| Net interest margin | 4.2187% | 1,113 |
| Noninterest income to average assets | 0.4295% | 3,481 |
| Noninterest expense to average assets | 2.7631% | 2,850 |
| Loan and lease loss provision to assets | 0.1872% | 1,046 |
| Net operating income to assets | 1.5898% | 737 |
| Return on assets (ROA) | 1.5898% | 755 |
| Pretax return on assets | 1.5912% | 1,456 |
| Return on Equity (ROE) | 16.5985% | 472 |
| Retained earnings to average equity (ytd only) | 9.9126% | 608 |
| Net charge-offs to loans | 0.2112% | 1,018 |
| Credit loss provision to net charge-offs | 108.1028% | 2,166 |
| Earnings coverage of net charge-offs (x) | 10.2688% | 2,612 |
| Efficiency ratio | 60.7582% | 4,081 |
| Assets per employee ($millions) | 6.9615% | 970 |
| Cash dividends to net income (ytd only)* | 40.2798% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 3,273 |
| Loan loss allowance to noncurrent loans | 163.1419% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 1,975 |
| Noncurrent loans to loans | 0.6968% | 2,616 |
| Net loans and leases to total assets | 83.6400% | 473 |
| Net loans and leases to deposits | 96.0758% | 1,109 |
| Net loans and leases to core deposits | 117.7347% | 668 |
| Total domestic deposits to total assets | 87.0563% | 1,847 |
| Equity capital to assets | 9.9238% | 4,005 |
| Core capital (leverage) ratio | 9.3774% | 4,318 |
| Tier 1 risk-based capital ratio | 10.9096% | 5,294 |
| Total risk-based capital ratio | 12.0281% | 5,267 |
| Memoranda: | ||
| Average total assets | $389,556,250 | 1,765 |
| Average earning assets | $379,699,750 | 1,682 |
| Average equity | $37,311,750 | 1,972 |
| Average total loans | $319,361,750 | 1,492 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 1,233 |
| Cost of funding earning assets | 0.4627% | 2,477 |
| Net interest margin | 4.1497% | 1,208 |
| Noninterest income to average assets | 0.3872% | 3,775 |
| Noninterest expense to average assets | 2.7417% | 2,953 |
| Loan and lease loss provision to assets | 0.2095% | 854 |
| Net operating income to assets | 1.4785% | 901 |
| Return on assets (ROA) | 1.4785% | 923 |
| Pretax return on assets | 1.4800% | 1,719 |
| Return on Equity (ROE) | 15.6241% | 580 |
| Retained earnings to average equity (ytd only) | 9.4971% | 709 |
| Net charge-offs to loans | 0.2229% | 914 |
| Credit loss provision to net charge-offs | 115.9091% | 1,826 |
| Earnings coverage of net charge-offs (x) | 9.3466% | 2,442 |
| Efficiency ratio | 61.7800% | 4,031 |
| Assets per employee ($millions) | 6.5511% | 1,122 |
| Cash dividends to net income (ytd only)* | 39.2150% | 2,360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 3,277 |
| Loan loss allowance to noncurrent loans | 618.0624% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 3,337 |
| Noncurrent loans to loans | 0.1871% | 4,368 |
| Net loans and leases to total assets | 81.8597% | 684 |
| Net loans and leases to deposits | 92.8359% | 1,379 |
| Net loans and leases to core deposits | 111.2371% | 941 |
| Total domestic deposits to total assets | 88.1767% | 1,365 |
| Equity capital to assets | 9.5931% | 4,321 |
| Core capital (leverage) ratio | 9.1491% | 4,558 |
| Tier 1 risk-based capital ratio | 10.6704% | 5,393 |
| Total risk-based capital ratio | 11.8005% | 5,363 |
| Memoranda: | ||
| Average total assets | $389,461,000 | 1,761 |
| Average earning assets | $379,546,670 | 1,683 |
| Average equity | $36,853,330 | 1,987 |
| Average total loans | $315,878,000 | 1,499 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 1,449 |
| Cost of funding earning assets | 0.4466% | 2,558 |
| Net interest margin | 4.0218% | 1,412 |
| Noninterest income to average assets | 0.3673% | 3,907 |
| Noninterest expense to average assets | 2.7065% | 3,119 |
| Loan and lease loss provision to assets | 0.2105% | 774 |
| Net operating income to assets | 1.3703% | 1,058 |
| Return on assets (ROA) | 1.3703% | 1,096 |
| Pretax return on assets | 1.3713% | 1,981 |
| Return on Equity (ROE) | 14.5828% | 708 |
| Retained earnings to average equity (ytd only) | 14.5828% | 261 |
| Net charge-offs to loans | 0.4372% | 417 |
| Credit loss provision to net charge-offs | 60.0000% | 1,904 |
| Earnings coverage of net charge-offs (x) | 4.5088% | 2,379 |
| Efficiency ratio | 63.0173% | 3,989 |
| Assets per employee ($millions) | 6.9912% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 3,476 |
| Loan loss allowance to noncurrent loans | 2,018.0791% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.3435% | 3,822 |
| Noncurrent loans to loans | 0.0564% | 4,970 |
| Net loans and leases to total assets | 77.9120% | 1,148 |
| Net loans and leases to deposits | 86.2926% | 2,007 |
| Net loans and leases to core deposits | 92.1330% | 2,150 |
| Total domestic deposits to total assets | 90.2881% | 545 |
| Equity capital to assets | 9.3224% | 4,487 |
| Core capital (leverage) ratio | 9.1140% | 4,599 |
| Tier 1 risk-based capital ratio | 10.7767% | 5,425 |
| Total risk-based capital ratio | 11.8729% | 5,407 |
| Memoranda: | ||
| Average total assets | $387,659,500 | 1,786 |
| Average earning assets | $377,938,500 | 1,699 |
| Average equity | $36,426,500 | 2,006 |
| Average total loans | $311,054,500 | 1,526 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 1,007 |
| Cost of funding earning assets | 0.4092% | 2,914 |
| Net interest margin | 4.3206% | 901 |
| Noninterest income to average assets | 0.5130% | 3,146 |
| Noninterest expense to average assets | 2.8112% | 2,985 |
| Loan and lease loss provision to assets | 0.2580% | 805 |
| Net operating income to assets | 1.6001% | 681 |
| Return on assets (ROA) | 1.6028% | 701 |
| Pretax return on assets | 1.6041% | 1,263 |
| Return on Equity (ROE) | 17.7633% | 346 |
| Retained earnings to average equity (ytd only) | 9.6566% | 469 |
| Net charge-offs to loans | 0.0898% | 2,413 |
| Credit loss provision to net charge-offs | 355.2239% | 862 |
| Earnings coverage of net charge-offs (x) | 25.6007% | 1,581 |
| Efficiency ratio | 60.1021% | 4,568 |
| Assets per employee ($millions) | 6.8512% | 984 |
| Cash dividends to net income (ytd only)* | 45.6375% | 2,557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2037% | 3,103 |
| Loan loss allowance to noncurrent loans | 679.1209% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.5026% | 3,247 |
| Noncurrent loans to loans | 0.1772% | 4,524 |
| Net loans and leases to total assets | 80.7682% | 770 |
| Net loans and leases to deposits | 89.8487% | 1,703 |
| Net loans and leases to core deposits | 103.0190% | 1,356 |
| Total domestic deposits to total assets | 89.8935% | 685 |
| Equity capital to assets | 9.4749% | 4,296 |
| Core capital (leverage) ratio | 9.0261% | 4,711 |
| Tier 1 risk-based capital ratio | 10.6010% | 5,530 |
| Total risk-based capital ratio | 11.7643% | 5,498 |
| Memoranda: | ||
| Average total assets | $368,984,800 | 1,816 |
| Average earning assets | $355,068,800 | 1,749 |
| Average equity | $33,293,400 | 2,162 |
| Average total loans | $298,351,000 | 1,523 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 1,147 |
| Cost of funding earning assets | 0.3991% | 3,028 |
| Net interest margin | 4.2663% | 994 |
| Noninterest income to average assets | 0.4824% | 3,363 |
| Noninterest expense to average assets | 2.8357% | 2,889 |
| Loan and lease loss provision to assets | 0.1965% | 1,087 |
| Net operating income to assets | 1.5424% | 809 |
| Return on assets (ROA) | 1.5461% | 846 |
| Pretax return on assets | 1.5468% | 1,551 |
| Return on Equity (ROE) | 17.3580% | 410 |
| Retained earnings to average equity (ytd only) | 8.6423% | 928 |
| Net charge-offs to loans | -0.0117% | 4,825 |
| Credit loss provision to net charge-offs | -2,080.7692% | 5,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8896% | 4,253 |
| Assets per employee ($millions) | 6.8517% | 942 |
| Cash dividends to net income (ytd only)* | 50.2115% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1450% | 3,572 |
| Loan loss allowance to noncurrent loans | 1,575.0000% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.5649% | 3,214 |
| Noncurrent loans to loans | 0.0727% | 5,058 |
| Net loans and leases to total assets | 83.7961% | 421 |
| Net loans and leases to deposits | 94.5933% | 1,195 |
| Net loans and leases to core deposits | 109.6614% | 945 |
| Total domestic deposits to total assets | 88.5857% | 1,110 |
| Equity capital to assets | 9.5237% | 4,639 |
| Core capital (leverage) ratio | 8.8444% | 5,007 |
| Tier 1 risk-based capital ratio | 10.2036% | 5,734 |
| Total risk-based capital ratio | 11.3243% | 5,720 |
| Memoranda: | ||
| Average total assets | $367,026,500 | 1,826 |
| Average earning assets | $352,112,000 | 1,766 |
| Average equity | $32,691,000 | 2,205 |
| Average total loans | $295,924,500 | 1,539 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5976% | 1,270 |
| Cost of funding earning assets | 0.3865% | 3,187 |
| Net interest margin | 4.2111% | 1,094 |
| Noninterest income to average assets | 0.4775% | 3,352 |
| Noninterest expense to average assets | 2.8309% | 2,917 |
| Loan and lease loss provision to assets | 0.1601% | 1,420 |
| Net operating income to assets | 1.5168% | 864 |
| Return on assets (ROA) | 1.5222% | 904 |
| Pretax return on assets | 1.5228% | 1,607 |
| Return on Equity (ROE) | 17.4987% | 396 |
| Retained earnings to average equity (ytd only) | 8.5861% | 977 |
| Net charge-offs to loans | -0.0241% | 5,032 |
| Credit loss provision to net charge-offs | -837.1429% | 5,057 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6954% | 4,232 |
| Assets per employee ($millions) | 6.4185% | 1,124 |
| Cash dividends to net income (ytd only)* | 50.9332% | 1,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 4,011 |
| Loan loss allowance to noncurrent loans | 350.2612% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.7705% | 2,677 |
| Noncurrent loans to loans | 0.3106% | 4,255 |
| Net loans and leases to total assets | 83.2937% | 481 |
| Net loans and leases to deposits | 92.1056% | 1,497 |
| Net loans and leases to core deposits | 107.5548% | 1,060 |
| Total domestic deposits to total assets | 90.4328% | 337 |
| Equity capital to assets | 9.1585% | 5,104 |
| Core capital (leverage) ratio | 8.5088% | 5,360 |
| Tier 1 risk-based capital ratio | 9.7892% | 5,899 |
| Total risk-based capital ratio | 10.8498% | 5,914 |
| Memoranda: | ||
| Average total assets | $366,038,330 | 1,831 |
| Average earning assets | $350,358,670 | 1,769 |
| Average equity | $31,842,330 | 2,255 |
| Average total loans | $290,023,000 | 1,571 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4873% | 1,547 |
| Cost of funding earning assets | 0.3796% | 3,301 |
| Net interest margin | 4.1077% | 1,319 |
| Noninterest income to average assets | 0.5331% | 2,913 |
| Noninterest expense to average assets | 2.8209% | 2,994 |
| Loan and lease loss provision to assets | 0.1453% | 1,454 |
| Net operating income to assets | 1.4683% | 909 |
| Return on assets (ROA) | 1.4694% | 949 |
| Pretax return on assets | 1.4694% | 1,686 |
| Return on Equity (ROE) | 17.3492% | 406 |
| Retained earnings to average equity (ytd only) | 17.3492% | 142 |
| Net charge-offs to loans | -0.0242% | 4,963 |
| Credit loss provision to net charge-offs | -782.3529% | 4,691 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5132% | 4,214 |
| Assets per employee ($millions) | 6.7191% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 4,058 |
| Loan loss allowance to noncurrent loans | 318.0361% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.8208% | 2,639 |
| Noncurrent loans to loans | 0.3454% | 4,196 |
| Net loans and leases to total assets | 78.7514% | 984 |
| Net loans and leases to deposits | 86.9202% | 1,952 |
| Net loans and leases to core deposits | 101.3130% | 1,381 |
| Total domestic deposits to total assets | 90.6020% | 399 |
| Equity capital to assets | 8.7693% | 5,366 |
| Core capital (leverage) ratio | 8.1170% | 5,709 |
| Tier 1 risk-based capital ratio | 9.7844% | 5,954 |
| Total risk-based capital ratio | 10.8402% | 5,973 |
| Memoranda: | ||
| Average total assets | $366,129,500 | 1,834 |
| Average earning assets | $347,739,000 | 1,788 |
| Average equity | $31,010,000 | 2,302 |
| Average total loans | $280,991,000 | 1,613 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6858% | 1,136 |
| Cost of funding earning assets | 0.3570% | 3,627 |
| Net interest margin | 4.3288% | 909 |
| Noninterest income to average assets | 0.5175% | 3,212 |
| Noninterest expense to average assets | 2.9450% | 2,715 |
| Loan and lease loss provision to assets | 0.1371% | 1,727 |
| Net operating income to assets | 1.5135% | 842 |
| Return on assets (ROA) | 1.5135% | 873 |
| Pretax return on assets | 1.5150% | 1,512 |
| Return on Equity (ROE) | 17.6603% | 405 |
| Retained earnings to average equity (ytd only) | 10.7470% | 373 |
| Net charge-offs to loans | 0.2496% | 1,203 |
| Credit loss provision to net charge-offs | 71.2025% | 3,106 |
| Earnings coverage of net charge-offs (x) | 8.5775% | 2,929 |
| Efficiency ratio | 63.9618% | 4,272 |
| Assets per employee ($millions) | 6.9703% | 902 |
| Cash dividends to net income (ytd only)* | 39.1462% | 2,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1074% | 4,009 |
| Loan loss allowance to noncurrent loans | 302.7027% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 2,601 |
| Noncurrent loans to loans | 0.3658% | 4,136 |
| Net loans and leases to total assets | 73.0993% | 1,871 |
| Net loans and leases to deposits | 80.0806% | 2,811 |
| Net loans and leases to core deposits | 91.5243% | 2,267 |
| Total domestic deposits to total assets | 91.2821% | 215 |
| Equity capital to assets | 8.1754% | 5,773 |
| Core capital (leverage) ratio | 8.0039% | 5,836 |
| Tier 1 risk-based capital ratio | 9.6931% | 6,021 |
| Total risk-based capital ratio | 10.7371% | 6,033 |
| Memoranda: | ||
| Average total assets | $328,112,200 | 2,005 |
| Average earning assets | $309,230,200 | 1,968 |
| Average equity | $28,119,600 | 2,445 |
| Average total loans | $253,215,400 | 1,708 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7462% | 1,018 |
| Cost of funding earning assets | 0.3492% | 3,761 |
| Net interest margin | 4.3970% | 801 |
| Noninterest income to average assets | 0.6147% | 2,660 |
| Noninterest expense to average assets | 3.0334% | 2,419 |
| Loan and lease loss provision to assets | 0.1418% | 1,562 |
| Net operating income to assets | 1.5687% | 821 |
| Return on assets (ROA) | 1.5687% | 861 |
| Pretax return on assets | 1.5704% | 1,473 |
| Return on Equity (ROE) | 18.0630% | 397 |
| Retained earnings to average equity (ytd only) | 9.5170% | 736 |
| Net charge-offs to loans | 0.0682% | 2,588 |
| Credit loss provision to net charge-offs | 266.1417% | 1,085 |
| Earnings coverage of net charge-offs (x) | 32.1337% | 1,432 |
| Efficiency ratio | 63.8228% | 4,282 |
| Assets per employee ($millions) | 6.3136% | 1,173 |
| Cash dividends to net income (ytd only)* | 47.3121% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 2,953 |
| Loan loss allowance to noncurrent loans | 127.9296% | 3,128 |
| Noncurrent assets plus other real estate owned to assets | 1.7011% | 1,269 |
| Noncurrent loans to loans | 1.0400% | 2,395 |
| Net loans and leases to total assets | 77.1840% | 1,224 |
| Net loans and leases to deposits | 85.3455% | 2,233 |
| Net loans and leases to core deposits | 98.2616% | 1,674 |
| Total domestic deposits to total assets | 90.4371% | 407 |
| Equity capital to assets | 8.9580% | 5,346 |
| Core capital (leverage) ratio | 8.3812% | 5,643 |
| Tier 1 risk-based capital ratio | 10.0486% | 6,030 |
| Total risk-based capital ratio | 11.2991% | 5,978 |
| Memoranda: | ||
| Average total assets | $317,784,000 | 2,069 |
| Average earning assets | $298,558,250 | 2,039 |
| Average equity | $27,599,000 | 2,506 |
| Average total loans | $248,251,500 | 1,750 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7594% | 972 |
| Cost of funding earning assets | 0.3472% | 3,840 |
| Net interest margin | 4.4122% | 746 |
| Noninterest income to average assets | 0.6847% | 2,281 |
| Noninterest expense to average assets | 3.0209% | 2,493 |
| Loan and lease loss provision to assets | 0.1432% | 1,524 |
| Net operating income to assets | 1.6438% | 690 |
| Return on assets (ROA) | 1.6438% | 719 |
| Pretax return on assets | 1.6457% | 1,199 |
| Return on Equity (ROE) | 19.1366% | 319 |
| Retained earnings to average equity (ytd only) | 11.0538% | 503 |
| Net charge-offs to loans | 0.1149% | 1,853 |
| Credit loss provision to net charge-offs | 159.5745% | 1,468 |
| Earnings coverage of net charge-offs (x) | 19.9362% | 1,731 |
| Efficiency ratio | 62.7018% | 4,561 |
| Assets per employee ($millions) | 6.1915% | 1,217 |
| Cash dividends to net income (ytd only)* | 42.2377% | 2,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2789% | 3,355 |
| Loan loss allowance to noncurrent loans | 474.0634% | 1,075 |
| Noncurrent assets plus other real estate owned to assets | 1.1426% | 2,224 |
| Noncurrent loans to loans | 0.2698% | 4,704 |
| Net loans and leases to total assets | 80.4286% | 747 |
| Net loans and leases to deposits | 90.2532% | 1,566 |
| Net loans and leases to core deposits | 100.4747% | 1,453 |
| Total domestic deposits to total assets | 89.1144% | 1,086 |
| Equity capital to assets | 8.9253% | 5,311 |
| Core capital (leverage) ratio | 8.1083% | 5,867 |
| Tier 1 risk-based capital ratio | 9.7802% | 6,151 |
| Total risk-based capital ratio | 11.0208% | 6,113 |
| Memoranda: | ||
| Average total assets | $314,275,670 | 2,106 |
| Average earning assets | $293,820,330 | 2,081 |
| Average equity | $26,995,330 | 2,569 |
| Average total loans | $245,395,670 | 1,778 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6835% | 1,061 |
| Cost of funding earning assets | 0.3434% | 3,949 |
| Net interest margin | 4.3401% | 810 |
| Noninterest income to average assets | 0.8242% | 1,618 |
| Noninterest expense to average assets | 2.9598% | 2,707 |
| Loan and lease loss provision to assets | 0.1442% | 1,418 |
| Net operating income to assets | 1.7823% | 496 |
| Return on assets (ROA) | 1.7823% | 522 |
| Pretax return on assets | 1.7836% | 891 |
| Return on Equity (ROE) | 21.1655% | 220 |
| Retained earnings to average equity (ytd only) | 21.1655% | 83 |
| Net charge-offs to loans | -0.0084% | 4,649 |
| Credit loss provision to net charge-offs | -2,260.0000% | 5,147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4542% | 5,034 |
| Assets per employee ($millions) | 6.6199% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3853% | 2,989 |
| Loan loss allowance to noncurrent loans | 429.4574% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.9381% | 2,751 |
| Noncurrent loans to loans | 0.3226% | 4,635 |
| Net loans and leases to total assets | 71.4886% | 1,898 |
| Net loans and leases to deposits | 78.2248% | 2,772 |
| Net loans and leases to core deposits | 86.7762% | 2,464 |
| Total domestic deposits to total assets | 91.3887% | 254 |
| Equity capital to assets | 8.2304% | 5,918 |
| Core capital (leverage) ratio | 8.0452% | 5,912 |
| Tier 1 risk-based capital ratio | 9.7935% | 6,216 |
| Total risk-based capital ratio | 11.0442% | 6,180 |
| Memoranda: | ||
| Average total assets | $313,530,000 | 2,116 |
| Average earning assets | $293,540,500 | 2,094 |
| Average equity | $26,401,500 | 2,635 |
| Average total loans | $239,465,000 | 1,818 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 1,370 |
| Cost of funding earning assets | 0.4067% | 3,623 |
| Net interest margin | 4.2638% | 1,133 |
| Noninterest income to average assets | 0.4319% | 3,959 |
| Noninterest expense to average assets | 2.7536% | 3,661 |
| Loan and lease loss provision to assets | 0.1905% | 1,345 |
| Net operating income to assets | 1.4919% | 892 |
| Return on assets (ROA) | 1.4922% | 928 |
| Pretax return on assets | 1.4940% | 1,564 |
| Return on Equity (ROE) | 17.3597% | 451 |
| Retained earnings to average equity (ytd only) | 9.2020% | 661 |
| Net charge-offs to loans | 0.4303% | 986 |
| Credit loss provision to net charge-offs | 56.8928% | 3,344 |
| Earnings coverage of net charge-offs (x) | 5.0295% | 3,515 |
| Efficiency ratio | 62.0078% | 4,916 |
| Assets per employee ($millions) | 6.0422% | 1,347 |
| Cash dividends to net income (ytd only)* | 46.9924% | 2,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3415% | 3,224 |
| Loan loss allowance to noncurrent loans | 145.0023% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4622% | 1,880 |
| Noncurrent loans to loans | 0.9252% | 3,003 |
| Net loans and leases to total assets | 79.6366% | 788 |
| Net loans and leases to deposits | 88.2023% | 1,710 |
| Net loans and leases to core deposits | 98.1080% | 1,542 |
| Total domestic deposits to total assets | 90.2887% | 614 |
| Equity capital to assets | 8.6335% | 5,620 |
| Core capital (leverage) ratio | 7.6940% | 6,131 |
| Tier 1 risk-based capital ratio | 9.6617% | 6,328 |
| Total risk-based capital ratio | 10.9125% | 6,304 |
| Memoranda: | ||
| Average total assets | $272,949,600 | 2,336 |
| Average earning assets | $256,435,000 | 2,299 |
| Average equity | $23,462,400 | 2,806 |
| Average total loans | $212,392,800 | 1,957 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5655% | 1,655 |
| Cost of funding earning assets | 0.4156% | 3,626 |
| Net interest margin | 4.1499% | 1,436 |
| Noninterest income to average assets | 0.3354% | 4,759 |
| Noninterest expense to average assets | 2.5566% | 4,333 |
| Loan and lease loss provision to assets | 0.1757% | 1,398 |
| Net operating income to assets | 1.5031% | 939 |
| Return on assets (ROA) | 1.5036% | 966 |
| Pretax return on assets | 1.5056% | 1,629 |
| Return on Equity (ROE) | 17.5136% | 489 |
| Retained earnings to average equity (ytd only) | 10.3989% | 616 |
| Net charge-offs to loans | 0.1620% | 2,181 |
| Credit loss provision to net charge-offs | 140.8000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 13.4718% | 2,222 |
| Efficiency ratio | 60.3345% | 5,134 |
| Assets per employee ($millions) | 6.1897% | 1,210 |
| Cash dividends to net income (ytd only)* | 40.6240% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 2,091 |
| Loan loss allowance to noncurrent loans | 139.6454% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.6545% | 1,832 |
| Noncurrent loans to loans | 1.1906% | 2,672 |
| Net loans and leases to total assets | 72.1942% | 1,812 |
| Net loans and leases to deposits | 79.5042% | 2,771 |
| Net loans and leases to core deposits | 87.9884% | 2,436 |
| Total domestic deposits to total assets | 90.8056% | 417 |
| Equity capital to assets | 8.2989% | 5,941 |
| Core capital (leverage) ratio | 8.1963% | 5,937 |
| Tier 1 risk-based capital ratio | 10.1382% | 6,316 |
| Total risk-based capital ratio | 11.3929% | 6,275 |
| Memoranda: | ||
| Average total assets | $267,170,500 | 2,398 |
| Average earning assets | $251,212,000 | 2,350 |
| Average equity | $22,937,750 | 2,863 |
| Average total loans | $205,745,250 | 2,017 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6199% | 1,477 |
| Cost of funding earning assets | 0.4223% | 3,632 |
| Net interest margin | 4.1976% | 1,248 |
| Noninterest income to average assets | 0.3567% | 4,565 |
| Noninterest expense to average assets | 2.5689% | 4,354 |
| Loan and lease loss provision to assets | 0.1764% | 1,390 |
| Net operating income to assets | 1.5514% | 792 |
| Return on assets (ROA) | 1.5522% | 824 |
| Pretax return on assets | 1.5553% | 1,381 |
| Return on Equity (ROE) | 17.8429% | 476 |
| Retained earnings to average equity (ytd only) | 6.8037% | 1,870 |
| Net charge-offs to loans | 0.2589% | 1,516 |
| Credit loss provision to net charge-offs | 86.8726% | 2,232 |
| Earnings coverage of net charge-offs (x) | 8.5251% | 2,477 |
| Efficiency ratio | 59.7448% | 5,329 |
| Assets per employee ($millions) | 6.6711% | 934 |
| Cash dividends to net income (ytd only)* | 61.8687% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6965% | 2,143 |
| Loan loss allowance to noncurrent loans | 162.9799% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.7467% | 1,862 |
| Noncurrent loans to loans | 1.0409% | 3,153 |
| Net loans and leases to total assets | 77.4347% | 988 |
| Net loans and leases to deposits | 85.0297% | 1,925 |
| Net loans and leases to core deposits | 95.3763% | 1,654 |
| Total domestic deposits to total assets | 91.0678% | 391 |
| Equity capital to assets | 8.5189% | 5,784 |
| Core capital (leverage) ratio | 8.6683% | 5,450 |
| Tier 1 risk-based capital ratio | 10.6880% | 6,183 |
| Total risk-based capital ratio | 11.9436% | 6,126 |
| Memoranda: | ||
| Average total assets | $255,129,670 | 2,504 |
| Average earning assets | $239,660,330 | 2,450 |
| Average equity | $22,193,670 | 2,925 |
| Average total loans | $200,106,330 | 2,046 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6156% | 1,463 |
| Cost of funding earning assets | 0.4179% | 3,786 |
| Net interest margin | 4.1977% | 1,230 |
| Noninterest income to average assets | 0.3851% | 4,309 |
| Noninterest expense to average assets | 2.5964% | 4,282 |
| Loan and lease loss provision to assets | 0.1717% | 1,408 |
| Net operating income to assets | 1.5629% | 715 |
| Return on assets (ROA) | 1.5629% | 748 |
| Pretax return on assets | 1.5662% | 1,249 |
| Return on Equity (ROE) | 17.7701% | 456 |
| Retained earnings to average equity (ytd only) | 4.5611% | 3,389 |
| Net charge-offs to loans | -0.0021% | 4,705 |
| Credit loss provision to net charge-offs | -10,700.0000% | 5,649 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9037% | 5,423 |
| Assets per employee ($millions) | 6.7872% | 889 |
| Cash dividends to net income (ytd only)* | 74.3326% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8981% | 1,759 |
| Loan loss allowance to noncurrent loans | 172.1114% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 1.8200% | 1,919 |
| Noncurrent loans to loans | 1.1028% | 3,218 |
| Net loans and leases to total assets | 74.3274% | 1,224 |
| Net loans and leases to deposits | 81.6363% | 2,083 |
| Net loans and leases to core deposits | 92.0546% | 1,727 |
| Total domestic deposits to total assets | 91.0470% | 552 |
| Equity capital to assets | 8.5626% | 5,588 |
| Core capital (leverage) ratio | 8.7854% | 5,281 |
| Tier 1 risk-based capital ratio | 11.0256% | 6,142 |
| Total risk-based capital ratio | 12.2829% | 6,091 |
| Memoranda: | ||
| Average total assets | $249,273,000 | 2,563 |
| Average earning assets | $234,507,500 | 2,496 |
| Average equity | $21,924,500 | 2,944 |
| Average total loans | $195,062,000 | 2,095 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7866% | 1,347 |
| Cost of funding earning assets | 0.4666% | 3,949 |
| Net interest margin | 4.3201% | 1,057 |
| Noninterest income to average assets | 0.3188% | 5,055 |
| Noninterest expense to average assets | 2.8082% | 3,694 |
| Loan and lease loss provision to assets | 0.2575% | 1,393 |
| Net operating income to assets | 1.3200% | 1,204 |
| Return on assets (ROA) | 1.3200% | 1,241 |
| Pretax return on assets | 1.3217% | 2,070 |
| Return on Equity (ROE) | 14.3327% | 882 |
| Retained earnings to average equity (ytd only) | 5.3212% | 2,401 |
| Net charge-offs to loans | 0.3112% | 2,130 |
| Credit loss provision to net charge-offs | 106.0071% | 2,275 |
| Earnings coverage of net charge-offs (x) | 6.5018% | 3,053 |
| Efficiency ratio | 64.0063% | 4,894 |
| Assets per employee ($millions) | 6.5036% | 984 |
| Cash dividends to net income (ytd only)* | 62.8739% | 1,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8489% | 1,921 |
| Loan loss allowance to noncurrent loans | 168.0672% | 2,421 |
| Noncurrent assets plus other real estate owned to assets | 2.1389% | 1,668 |
| Noncurrent loans to loans | 1.1001% | 3,331 |
| Net loans and leases to total assets | 79.4218% | 658 |
| Net loans and leases to deposits | 88.0893% | 1,447 |
| Net loans and leases to core deposits | 100.6324% | 1,105 |
| Total domestic deposits to total assets | 90.1605% | 998 |
| Equity capital to assets | 9.0449% | 4,972 |
| Core capital (leverage) ratio | 8.9871% | 5,027 |
| Tier 1 risk-based capital ratio | 11.0123% | 6,166 |
| Total risk-based capital ratio | 12.2694% | 6,108 |
| Memoranda: | ||
| Average total assets | $233,033,400 | 2,690 |
| Average earning assets | $219,464,800 | 2,626 |
| Average equity | $21,461,400 | 2,988 |
| Average total loans | $181,897,200 | 2,174 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7267% | 1,528 |
| Cost of funding earning assets | 0.4759% | 4,009 |
| Net interest margin | 4.2507% | 1,206 |
| Noninterest income to average assets | 0.3098% | 5,226 |
| Noninterest expense to average assets | 2.7043% | 4,007 |
| Loan and lease loss provision to assets | 0.2596% | 1,363 |
| Net operating income to assets | 1.3366% | 1,253 |
| Return on assets (ROA) | 1.3366% | 1,303 |
| Pretax return on assets | 1.3389% | 2,174 |
| Return on Equity (ROE) | 14.4456% | 899 |
| Retained earnings to average equity (ytd only) | 7.9491% | 1,427 |
| Net charge-offs to loans | 0.0866% | 3,714 |
| Credit loss provision to net charge-offs | 387.9310% | 685 |
| Earnings coverage of net charge-offs (x) | 23.8883% | 1,450 |
| Efficiency ratio | 62.8502% | 5,010 |
| Assets per employee ($millions) | 6.6287% | 881 |
| Cash dividends to net income (ytd only)* | 44.9719% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0253% | 1,660 |
| Loan loss allowance to noncurrent loans | 119.5952% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 2.3019% | 1,714 |
| Noncurrent loans to loans | 1.6935% | 2,654 |
| Net loans and leases to total assets | 79.0599% | 643 |
| Net loans and leases to deposits | 87.8418% | 1,380 |
| Net loans and leases to core deposits | 100.1353% | 1,106 |
| Total domestic deposits to total assets | 90.0026% | 993 |
| Equity capital to assets | 9.1798% | 4,964 |
| Core capital (leverage) ratio | 9.3974% | 4,533 |
| Tier 1 risk-based capital ratio | 11.1484% | 6,219 |
| Total risk-based capital ratio | 12.4077% | 6,180 |
| Memoranda: | ||
| Average total assets | $231,133,500 | 2,722 |
| Average earning assets | $217,118,000 | 2,664 |
| Average equity | $21,385,500 | 3,032 |
| Average total loans | $178,692,750 | 2,207 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6357% | 1,736 |
| Cost of funding earning assets | 0.4857% | 4,032 |
| Net interest margin | 4.1500% | 1,410 |
| Noninterest income to average assets | 0.3140% | 5,187 |
| Noninterest expense to average assets | 2.6567% | 4,196 |
| Loan and lease loss provision to assets | 0.2624% | 1,411 |
| Net operating income to assets | 1.3165% | 1,282 |
| Return on assets (ROA) | 1.3165% | 1,364 |
| Pretax return on assets | 1.3191% | 2,236 |
| Return on Equity (ROE) | 14.1901% | 966 |
| Retained earnings to average equity (ytd only) | 9.3155% | 1,022 |
| Net charge-offs to loans | 0.0287% | 4,291 |
| Credit loss provision to net charge-offs | 1,200.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 72.3200% | 620 |
| Efficiency ratio | 62.6832% | 5,069 |
| Assets per employee ($millions) | 6.5008% | 898 |
| Cash dividends to net income (ytd only)* | 34.3522% | 2,485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 1,684 |
| Loan loss allowance to noncurrent loans | 126.3903% | 2,896 |
| Noncurrent assets plus other real estate owned to assets | 2.3947% | 1,777 |
| Noncurrent loans to loans | 1.6430% | 2,852 |
| Net loans and leases to total assets | 81.9492% | 360 |
| Net loans and leases to deposits | 91.5514% | 1,007 |
| Net loans and leases to core deposits | 100.2263% | 1,058 |
| Total domestic deposits to total assets | 89.5116% | 1,317 |
| Equity capital to assets | 9.7753% | 4,207 |
| Core capital (leverage) ratio | 9.3520% | 4,468 |
| Tier 1 risk-based capital ratio | 11.5243% | 6,098 |
| Total risk-based capital ratio | 12.7841% | 6,057 |
| Memoranda: | ||
| Average total assets | $228,633,670 | 2,759 |
| Average earning assets | $216,190,330 | 2,682 |
| Average equity | $21,212,000 | 3,073 |
| Average total loans | $174,069,330 | 2,270 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4239% | 2,442 |
| Cost of funding earning assets | 0.4997% | 4,092 |
| Net interest margin | 3.9242% | 2,034 |
| Noninterest income to average assets | 0.2375% | 5,761 |
| Noninterest expense to average assets | 2.4901% | 4,788 |
| Loan and lease loss provision to assets | 0.2581% | 1,380 |
| Net operating income to assets | 1.1788% | 1,588 |
| Return on assets (ROA) | 1.1788% | 1,698 |
| Pretax return on assets | 1.1788% | 2,652 |
| Return on Equity (ROE) | 13.0383% | 1,159 |
| Retained earnings to average equity (ytd only) | 13.0383% | 557 |
| Net charge-offs to loans | -0.0071% | 5,344 |
| Credit loss provision to net charge-offs | -5,000.0000% | 5,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4093% | 5,093 |
| Assets per employee ($millions) | 8.1379% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1663% | 1,652 |
| Loan loss allowance to noncurrent loans | 136.0776% | 2,587 |
| Noncurrent assets plus other real estate owned to assets | 2.1390% | 2,198 |
| Noncurrent loans to loans | 1.5919% | 3,150 |
| Net loans and leases to total assets | 71.1697% | 1,493 |
| Net loans and leases to deposits | 78.7789% | 2,244 |
| Net loans and leases to core deposits | 86.3245% | 2,077 |
| Total domestic deposits to total assets | 90.3410% | 856 |
| Equity capital to assets | 9.0475% | 5,425 |
| Core capital (leverage) ratio | 9.3710% | 4,286 |
| Tier 1 risk-based capital ratio | 11.7589% | 6,057 |
| Total risk-based capital ratio | 13.0185% | 6,028 |
| Memoranda: | ||
| Average total assets | $232,437,500 | 2,754 |
| Average earning assets | $218,539,000 | 2,684 |
| Average equity | $21,015,000 | 3,128 |
| Average total loans | $168,619,000 | 2,338 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2670% | 988 |
| Cost of funding earning assets | 0.7583% | 3,025 |
| Net interest margin | 4.5087% | 931 |
| Noninterest income to average assets | 0.2844% | 5,435 |
| Noninterest expense to average assets | 2.9676% | 3,396 |
| Loan and lease loss provision to assets | 0.3970% | 1,641 |
| Net operating income to assets | 1.1349% | 1,822 |
| Return on assets (ROA) | 1.1349% | 1,994 |
| Pretax return on assets | 1.1389% | 3,022 |
| Return on Equity (ROE) | 11.3405% | 1,698 |
| Retained earnings to average equity (ytd only) | 6.1141% | 2,009 |
| Net charge-offs to loans | 0.4854% | 2,292 |
| Credit loss provision to net charge-offs | 101.2658% | 2,990 |
| Earnings coverage of net charge-offs (x) | 3.9177% | 3,547 |
| Efficiency ratio | 65.8953% | 4,524 |
| Assets per employee ($millions) | 7.8923% | 530 |
| Cash dividends to net income (ytd only)* | 46.0866% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1539% | 1,645 |
| Loan loss allowance to noncurrent loans | 137.5772% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 2.1741% | 2,258 |
| Noncurrent loans to loans | 1.5656% | 3,271 |
| Net loans and leases to total assets | 70.7778% | 1,686 |
| Net loans and leases to deposits | 78.3951% | 2,475 |
| Net loans and leases to core deposits | 91.6894% | 1,657 |
| Total domestic deposits to total assets | 90.2834% | 811 |
| Equity capital to assets | 9.0345% | 5,483 |
| Core capital (leverage) ratio | 9.1972% | 4,583 |
| Tier 1 risk-based capital ratio | 11.8612% | 5,868 |
| Total risk-based capital ratio | 13.1210% | 5,822 |
| Memoranda: | ||
| Average total assets | $201,509,400 | 3,019 |
| Average earning assets | $188,569,400 | 2,980 |
| Average equity | $20,166,600 | 3,187 |
| Average total loans | $162,759,600 | 2,389 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3450% | 933 |
| Cost of funding earning assets | 0.7955% | 2,984 |
| Net interest margin | 4.5494% | 902 |
| Noninterest income to average assets | 0.2733% | 5,598 |
| Noninterest expense to average assets | 2.9657% | 3,354 |
| Loan and lease loss provision to assets | 0.4109% | 1,560 |
| Net operating income to assets | 1.1534% | 1,891 |
| Return on assets (ROA) | 1.1534% | 2,087 |
| Pretax return on assets | 1.1582% | 3,139 |
| Return on Equity (ROE) | 11.2047% | 1,889 |
| Retained earnings to average equity (ytd only) | 6.3608% | 2,450 |
| Net charge-offs to loans | 0.0510% | 4,942 |
| Credit loss provision to net charge-offs | 967.7419% | 295 |
| Earnings coverage of net charge-offs (x) | 36.9537% | 936 |
| Efficiency ratio | 65.3980% | 4,560 |
| Assets per employee ($millions) | 7.5480% | 583 |
| Cash dividends to net income (ytd only)* | 43.2302% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4457% | 1,276 |
| Loan loss allowance to noncurrent loans | 67.2360% | 4,326 |
| Noncurrent assets plus other real estate owned to assets | 4.2437% | 1,117 |
| Noncurrent loans to loans | 3.6374% | 1,483 |
| Net loans and leases to total assets | 74.6056% | 1,159 |
| Net loans and leases to deposits | 83.6745% | 1,906 |
| Net loans and leases to core deposits | 99.1946% | 1,176 |
| Total domestic deposits to total assets | 89.1617% | 1,332 |
| Equity capital to assets | 9.3320% | 5,430 |
| Core capital (leverage) ratio | 9.8147% | 3,797 |
| Tier 1 risk-based capital ratio | 11.8086% | 6,047 |
| Total risk-based capital ratio | 13.0422% | 6,040 |
| Memoranda: | ||
| Average total assets | $194,667,500 | 3,151 |
| Average earning assets | $182,347,250 | 3,086 |
| Average equity | $20,038,750 | 3,232 |
| Average total loans | $162,059,500 | 2,427 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4858% | 744 |
| Cost of funding earning assets | 0.8306% | 2,942 |
| Net interest margin | 4.6552% | 742 |
| Noninterest income to average assets | 0.2765% | 5,598 |
| Noninterest expense to average assets | 3.0183% | 3,190 |
| Loan and lease loss provision to assets | 0.4287% | 1,522 |
| Net operating income to assets | 1.1833% | 1,771 |
| Return on assets (ROA) | 1.1833% | 1,973 |
| Pretax return on assets | 1.1908% | 2,967 |
| Return on Equity (ROE) | 11.0903% | 1,962 |
| Retained earnings to average equity (ytd only) | 7.4940% | 1,877 |
| Net charge-offs to loans | 0.0786% | 4,362 |
| Credit loss provision to net charge-offs | 634.9206% | 497 |
| Earnings coverage of net charge-offs (x) | 23.9841% | 1,235 |
| Efficiency ratio | 65.0797% | 4,714 |
| Assets per employee ($millions) | 7.1660% | 675 |
| Cash dividends to net income (ytd only)* | 32.4275% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3610% | 1,480 |
| Loan loss allowance to noncurrent loans | 134.7525% | 2,463 |
| Noncurrent assets plus other real estate owned to assets | 3.3435% | 1,611 |
| Noncurrent loans to loans | 1.7521% | 3,270 |
| Net loans and leases to total assets | 83.2093% | 253 |
| Net loans and leases to deposits | 95.2464% | 677 |
| Net loans and leases to core deposits | 117.1154% | 366 |
| Total domestic deposits to total assets | 87.3621% | 2,558 |
| Equity capital to assets | 10.4506% | 3,750 |
| Core capital (leverage) ratio | 10.4884% | 2,813 |
| Tier 1 risk-based capital ratio | 12.0978% | 5,863 |
| Total risk-based capital ratio | 13.3616% | 5,830 |
| Memoranda: | ||
| Average total assets | $186,593,000 | 3,258 |
| Average earning assets | $174,815,330 | 3,206 |
| Average equity | $19,909,330 | 3,234 |
| Average total loans | $160,279,670 | 2,460 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6136% | 612 |
| Cost of funding earning assets | 0.8419% | 3,133 |
| Net interest margin | 4.7717% | 601 |
| Noninterest income to average assets | 0.2577% | 5,805 |
| Noninterest expense to average assets | 3.0685% | 3,026 |
| Loan and lease loss provision to assets | 0.4368% | 1,430 |
| Net operating income to assets | 1.2165% | 1,687 |
| Return on assets (ROA) | 1.2165% | 1,871 |
| Pretax return on assets | 1.2209% | 2,834 |
| Return on Equity (ROE) | 11.2787% | 1,914 |
| Retained earnings to average equity (ytd only) | 11.2787% | 972 |
| Net charge-offs to loans | 0.0253% | 4,333 |
| Credit loss provision to net charge-offs | 2,000.0000% | 160 |
| Earnings coverage of net charge-offs (x) | 75.9000% | 442 |
| Efficiency ratio | 64.9261% | 4,755 |
| Assets per employee ($millions) | 7.0039% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3480% | 1,594 |
| Loan loss allowance to noncurrent loans | 119.3754% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 3.7767% | 1,481 |
| Noncurrent loans to loans | 1.9669% | 3,203 |
| Net loans and leases to total assets | 82.3829% | 252 |
| Net loans and leases to deposits | 95.3754% | 580 |
| Net loans and leases to core deposits | 118.9371% | 326 |
| Total domestic deposits to total assets | 86.3775% | 3,316 |
| Equity capital to assets | 10.5925% | 3,383 |
| Core capital (leverage) ratio | 10.9293% | 2,314 |
| Tier 1 risk-based capital ratio | 12.4226% | 5,665 |
| Total risk-based capital ratio | 13.6859% | 5,627 |
| Memoranda: | ||
| Average total assets | $183,148,500 | 3,334 |
| Average earning assets | $171,512,500 | 3,262 |
| Average equity | $19,754,000 | 3,256 |
| Average total loans | $157,975,500 | 2,510 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8241% | 611 |
| Cost of funding earning assets | 1.1166% | 2,561 |
| Net interest margin | 4.7075% | 743 |
| Noninterest income to average assets | 0.2944% | 5,424 |
| Noninterest expense to average assets | 3.1029% | 3,184 |
| Loan and lease loss provision to assets | 0.6806% | 1,503 |
| Net operating income to assets | 0.9023% | 2,590 |
| Return on assets (ROA) | 0.9023% | 2,723 |
| Pretax return on assets | 0.9057% | 3,589 |
| Return on Equity (ROE) | 8.4215% | 2,707 |
| Retained earnings to average equity (ytd only) | 6.4789% | 1,750 |
| Net charge-offs to loans | 1.0834% | 1,593 |
| Credit loss provision to net charge-offs | 71.5564% | 4,794 |
| Earnings coverage of net charge-offs (x) | 1.6679% | 4,518 |
| Efficiency ratio | 66.1708% | 4,739 |
| Assets per employee ($millions) | 7.0876% | 696 |
| Cash dividends to net income (ytd only)* | 23.0673% | 3,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2735% | 1,670 |
| Loan loss allowance to noncurrent loans | 234.7195% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 3.1994% | 1,867 |
| Noncurrent loans to loans | 0.9686% | 4,771 |
| Net loans and leases to total assets | 86.2674% | 124 |
| Net loans and leases to deposits | 100.7149% | 427 |
| Net loans and leases to core deposits | 126.4062% | 274 |
| Total domestic deposits to total assets | 85.6550% | 3,510 |
| Equity capital to assets | 10.9921% | 2,988 |
| Core capital (leverage) ratio | 10.9729% | 2,288 |
| Tier 1 risk-based capital ratio | 12.4325% | 5,506 |
| Total risk-based capital ratio | 13.6639% | 5,498 |
| Memoranda: | ||
| Average total assets | $176,318,800 | 3,392 |
| Average earning assets | $164,609,800 | 3,326 |
| Average equity | $18,892,200 | 3,294 |
| Average total loans | $154,790,000 | 2,570 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7662% | 749 |
| Cost of funding earning assets | 1.1732% | 2,493 |
| Net interest margin | 4.5930% | 964 |
| Noninterest income to average assets | 0.2135% | 6,084 |
| Noninterest expense to average assets | 3.0406% | 3,400 |
| Loan and lease loss provision to assets | 0.6557% | 1,488 |
| Net operating income to assets | 0.8026% | 3,146 |
| Return on assets (ROA) | 0.8026% | 3,312 |
| Pretax return on assets | 0.8033% | 4,117 |
| Return on Equity (ROE) | 7.5392% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.5392% | 1,695 |
| Net charge-offs to loans | 0.4974% | 2,764 |
| Credit loss provision to net charge-offs | 150.3472% | 2,078 |
| Earnings coverage of net charge-offs (x) | 3.3455% | 3,478 |
| Efficiency ratio | 67.5753% | 4,403 |
| Assets per employee ($millions) | 6.4792% | 957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8319% | 1,005 |
| Loan loss allowance to noncurrent loans | 187.4296% | 1,636 |
| Noncurrent assets plus other real estate owned to assets | 3.7985% | 1,635 |
| Noncurrent loans to loans | 1.5109% | 4,024 |
| Net loans and leases to total assets | 84.8106% | 173 |
| Net loans and leases to deposits | 99.4684% | 492 |
| Net loans and leases to core deposits | 126.6440% | 283 |
| Total domestic deposits to total assets | 85.2639% | 3,639 |
| Equity capital to assets | 11.0462% | 3,095 |
| Core capital (leverage) ratio | 10.6535% | 2,706 |
| Tier 1 risk-based capital ratio | 12.5590% | 5,446 |
| Total risk-based capital ratio | 13.7965% | 5,442 |
| Memoranda: | ||
| Average total assets | $176,100,750 | 3,409 |
| Average earning assets | $164,331,500 | 3,350 |
| Average equity | $18,746,000 | 3,319 |
| Average total loans | $154,384,000 | 2,601 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6955% | 884 |
| Cost of funding earning assets | 1.2054% | 2,541 |
| Net interest margin | 4.4901% | 1,156 |
| Noninterest income to average assets | 0.2164% | 6,119 |
| Noninterest expense to average assets | 3.0246% | 3,545 |
| Loan and lease loss provision to assets | 0.6799% | 1,414 |
| Net operating income to assets | 0.7026% | 3,535 |
| Return on assets (ROA) | 0.7026% | 3,643 |
| Pretax return on assets | 0.7037% | 4,371 |
| Return on Equity (ROE) | 6.6834% | 3,600 |
| Retained earnings to average equity (ytd only) | 6.6834% | 2,032 |
| Net charge-offs to loans | 0.2982% | 3,380 |
| Credit loss provision to net charge-offs | 259.7403% | 1,172 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 2,646 |
| Efficiency ratio | 68.6118% | 4,407 |
| Assets per employee ($millions) | 6.4304% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7821% | 1,094 |
| Loan loss allowance to noncurrent loans | 133.9927% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 3.9939% | 1,605 |
| Noncurrent loans to loans | 2.0763% | 3,378 |
| Net loans and leases to total assets | 85.4535% | 162 |
| Net loans and leases to deposits | 101.8866% | 399 |
| Net loans and leases to core deposits | 130.2510% | 273 |
| Total domestic deposits to total assets | 83.8711% | 4,406 |
| Equity capital to assets | 10.4899% | 3,519 |
| Core capital (leverage) ratio | 10.3021% | 2,936 |
| Tier 1 risk-based capital ratio | 11.8911% | 5,869 |
| Total risk-based capital ratio | 13.1600% | 5,827 |
| Memoranda: | ||
| Average total assets | $176,488,330 | 3,428 |
| Average earning assets | $164,761,330 | 3,356 |
| Average equity | $18,553,330 | 3,326 |
| Average total loans | $154,948,670 | 2,612 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6515% | 973 |
| Cost of funding earning assets | 1.2161% | 2,708 |
| Net interest margin | 4.4354% | 1,205 |
| Noninterest income to average assets | 0.2129% | 6,212 |
| Noninterest expense to average assets | 2.9856% | 3,700 |
| Loan and lease loss provision to assets | 0.6869% | 1,235 |
| Net operating income to assets | 0.6800% | 3,608 |
| Return on assets (ROA) | 0.6800% | 3,674 |
| Pretax return on assets | 0.6823% | 4,374 |
| Return on Equity (ROE) | 6.4613% | 3,647 |
| Retained earnings to average equity (ytd only) | 6.4613% | 2,389 |
| Net charge-offs to loans | -0.6602% | 7,446 |
| Credit loss provision to net charge-offs | -118.5771% | 5,741 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5594% | 4,547 |
| Assets per employee ($millions) | 6.6270% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9961% | 919 |
| Loan loss allowance to noncurrent loans | 143.5681% | 2,064 |
| Noncurrent assets plus other real estate owned to assets | 4.1039% | 1,621 |
| Noncurrent loans to loans | 2.0869% | 3,458 |
| Net loans and leases to total assets | 83.0011% | 278 |
| Net loans and leases to deposits | 101.1648% | 416 |
| Net loans and leases to core deposits | 130.8565% | 264 |
| Total domestic deposits to total assets | 82.0454% | 5,297 |
| Equity capital to assets | 10.3572% | 3,340 |
| Core capital (leverage) ratio | 10.4627% | 2,653 |
| Tier 1 risk-based capital ratio | 12.0150% | 5,679 |
| Total risk-based capital ratio | 13.2863% | 5,651 |
| Memoranda: | ||
| Average total assets | $174,707,500 | 3,471 |
| Average earning assets | $163,143,500 | 3,399 |
| Average equity | $18,386,500 | 3,343 |
| Average total loans | $153,292,000 | 2,661 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9878% | 868 |
| Cost of funding earning assets | 1.4124% | 3,187 |
| Net interest margin | 4.5754% | 1,067 |
| Noninterest income to average assets | 0.2446% | 6,049 |
| Noninterest expense to average assets | 3.0096% | 3,810 |
| Loan and lease loss provision to assets | 0.8565% | 1,907 |
| Net operating income to assets | 0.6365% | 3,502 |
| Return on assets (ROA) | 0.6365% | 3,654 |
| Pretax return on assets | 0.6148% | 4,275 |
| Return on Equity (ROE) | 6.4388% | 3,380 |
| Retained earnings to average equity (ytd only) | 6.4388% | 1,590 |
| Net charge-offs to loans | 0.4897% | 3,665 |
| Credit loss provision to net charge-offs | 199.4798% | 1,579 |
| Earnings coverage of net charge-offs (x) | 3.4265% | 3,368 |
| Efficiency ratio | 67.1651% | 4,728 |
| Assets per employee ($millions) | 6.5572% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6283% | 1,258 |
| Loan loss allowance to noncurrent loans | 107.2587% | 2,699 |
| Noncurrent assets plus other real estate owned to assets | 4.8655% | 1,335 |
| Noncurrent loans to loans | 2.4504% | 3,072 |
| Net loans and leases to total assets | 87.6612% | 109 |
| Net loans and leases to deposits | 106.8683% | 294 |
| Net loans and leases to core deposits | 130.8623% | 318 |
| Total domestic deposits to total assets | 82.0273% | 5,178 |
| Equity capital to assets | 10.6994% | 2,958 |
| Core capital (leverage) ratio | 10.4130% | 2,656 |
| Tier 1 risk-based capital ratio | 11.8760% | 5,598 |
| Total risk-based capital ratio | 13.1433% | 5,558 |
| Memoranda: | ||
| Average total assets | $179,090,600 | 3,394 |
| Average earning assets | $165,821,600 | 3,353 |
| Average equity | $17,705,200 | 3,472 |
| Average total loans | $157,027,800 | 2,654 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7614% | 1,508 |
| Cost of funding earning assets | 1.4419% | 3,318 |
| Net interest margin | 4.3194% | 1,780 |
| Noninterest income to average assets | 0.2369% | 6,197 |
| Noninterest expense to average assets | 2.7771% | 4,577 |
| Loan and lease loss provision to assets | 0.8239% | 1,837 |
| Net operating income to assets | 0.6518% | 3,637 |
| Return on assets (ROA) | 0.6518% | 3,806 |
| Pretax return on assets | 0.6312% | 4,482 |
| Return on Equity (ROE) | 6.7229% | 3,470 |
| Retained earnings to average equity (ytd only) | 6.7229% | 1,980 |
| Net charge-offs to loans | 0.6290% | 2,860 |
| Credit loss provision to net charge-offs | 150.3356% | 2,590 |
| Earnings coverage of net charge-offs (x) | 2.6550% | 3,824 |
| Efficiency ratio | 65.6179% | 4,943 |
| Assets per employee ($millions) | 7.6572% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3580% | 1,530 |
| Loan loss allowance to noncurrent loans | 87.7438% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 4.8794% | 1,332 |
| Noncurrent loans to loans | 2.6874% | 2,944 |
| Net loans and leases to total assets | 82.1078% | 480 |
| Net loans and leases to deposits | 98.6074% | 756 |
| Net loans and leases to core deposits | 127.1012% | 432 |
| Total domestic deposits to total assets | 83.2674% | 4,475 |
| Equity capital to assets | 9.8116% | 4,402 |
| Core capital (leverage) ratio | 10.0907% | 3,159 |
| Tier 1 risk-based capital ratio | 11.4081% | 6,014 |
| Total risk-based capital ratio | 12.6715% | 5,984 |
| Memoranda: | ||
| Average total assets | $181,241,750 | 3,406 |
| Average earning assets | $167,641,000 | 3,368 |
| Average equity | $17,571,250 | 3,543 |
| Average total loans | $157,913,750 | 2,686 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7555% | 1,541 |
| Cost of funding earning assets | 1.4954% | 3,278 |
| Net interest margin | 4.2600% | 1,924 |
| Noninterest income to average assets | 0.2583% | 6,069 |
| Noninterest expense to average assets | 2.8592% | 4,233 |
| Loan and lease loss provision to assets | 0.6874% | 2,108 |
| Net operating income to assets | 0.6685% | 3,536 |
| Return on assets (ROA) | 0.6685% | 3,683 |
| Pretax return on assets | 0.6375% | 4,443 |
| Return on Equity (ROE) | 6.9239% | 3,340 |
| Retained earnings to average equity (ytd only) | 6.9239% | 1,873 |
| Net charge-offs to loans | -0.2905% | 7,684 |
| Credit loss provision to net charge-offs | -268.3983% | 6,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3360% | 4,509 |
| Assets per employee ($millions) | 7.3759% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6025% | 1,190 |
| Loan loss allowance to noncurrent loans | 72.5991% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 6.0722% | 962 |
| Noncurrent loans to loans | 3.5848% | 2,201 |
| Net loans and leases to total assets | 87.1010% | 164 |
| Net loans and leases to deposits | 105.6676% | 410 |
| Net loans and leases to core deposits | 143.6342% | 247 |
| Total domestic deposits to total assets | 82.4292% | 4,809 |
| Equity capital to assets | 10.0220% | 3,999 |
| Core capital (leverage) ratio | 9.7857% | 3,426 |
| Tier 1 risk-based capital ratio | 11.1759% | 6,065 |
| Total risk-based capital ratio | 12.4429% | 6,033 |
| Memoranda: | ||
| Average total assets | $180,398,000 | 3,439 |
| Average earning assets | $166,242,330 | 3,406 |
| Average equity | $17,418,000 | 3,567 |
| Average total loans | $159,039,670 | 2,710 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7182% | 1,713 |
| Cost of funding earning assets | 1.5134% | 3,469 |
| Net interest margin | 4.2048% | 2,019 |
| Noninterest income to average assets | 0.2460% | 6,184 |
| Noninterest expense to average assets | 2.7987% | 4,486 |
| Loan and lease loss provision to assets | 0.6590% | 1,923 |
| Net operating income to assets | 0.6349% | 3,732 |
| Return on assets (ROA) | 0.6349% | 3,854 |
| Pretax return on assets | 0.6458% | 4,431 |
| Return on Equity (ROE) | 6.6989% | 3,513 |
| Retained earnings to average equity (ytd only) | 6.6989% | 2,272 |
| Net charge-offs to loans | -0.1430% | 7,602 |
| Credit loss provision to net charge-offs | -526.3158% | 6,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2013% | 4,685 |
| Assets per employee ($millions) | 7.5346% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2991% | 1,579 |
| Loan loss allowance to noncurrent loans | 295.2769% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 4.3306% | 1,570 |
| Noncurrent loans to loans | 0.7786% | 5,769 |
| Net loans and leases to total assets | 85.2105% | 271 |
| Net loans and leases to deposits | 103.2236% | 576 |
| Net loans and leases to core deposits | 137.5237% | 360 |
| Total domestic deposits to total assets | 82.5495% | 4,827 |
| Equity capital to assets | 9.6178% | 4,350 |
| Core capital (leverage) ratio | 9.4900% | 3,788 |
| Tier 1 risk-based capital ratio | 10.6241% | 6,517 |
| Total risk-based capital ratio | 11.8860% | 6,494 |
| Memoranda: | ||
| Average total assets | $182,086,500 | 3,470 |
| Average earning assets | $167,045,500 | 3,444 |
| Average equity | $17,256,500 | 3,612 |
| Average total loans | $159,406,000 | 2,763 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6117% | 3,543 |
| Cost of funding earning assets | 2.1875% | 2,089 |
| Net interest margin | 3.4241% | 5,271 |
| Noninterest income to average assets | 0.2503% | 6,317 |
| Noninterest expense to average assets | 2.8414% | 4,782 |
| Loan and lease loss provision to assets | 1.5934% | 1,438 |
| Net operating income to assets | -0.9825% | 6,569 |
| Return on assets (ROA) | -0.9825% | 6,570 |
| Pretax return on assets | -0.9874% | 6,404 |
| Return on Equity (ROE) | -10.7833% | 6,679 |
| Retained earnings to average equity (ytd only) | -10.7833% | 6,578 |
| Net charge-offs to loans | 1.1741% | 2,086 |
| Credit loss provision to net charge-offs | 151.4019% | 3,045 |
| Earnings coverage of net charge-offs (x) | 0.5758% | 5,529 |
| Efficiency ratio | 82.4219% | 2,554 |
| Assets per employee ($millions) | 7.6393% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0292% | 1,957 |
| Loan loss allowance to noncurrent loans | 236.1994% | 1,267 |
| Noncurrent assets plus other real estate owned to assets | 4.5707% | 1,408 |
| Noncurrent loans to loans | 0.8591% | 5,579 |
| Net loans and leases to total assets | 86.0850% | 275 |
| Net loans and leases to deposits | 103.6970% | 663 |
| Net loans and leases to core deposits | 137.2853% | 901 |
| Total domestic deposits to total assets | 83.0159% | 4,515 |
| Equity capital to assets | 9.3383% | 4,656 |
| Core capital (leverage) ratio | 9.1365% | 4,219 |
| Tier 1 risk-based capital ratio | 10.2064% | 6,675 |
| Total risk-based capital ratio | 11.4650% | 6,637 |
| Memoranda: | ||
| Average total assets | $183,008,200 | 3,388 |
| Average earning assets | $170,876,600 | 3,335 |
| Average equity | $16,674,000 | 3,741 |
| Average total loans | $164,046,000 | 2,696 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4926% | 4,451 |
| Cost of funding earning assets | 2.2020% | 2,409 |
| Net interest margin | 3.2906% | 5,674 |
| Noninterest income to average assets | 0.2267% | 6,611 |
| Noninterest expense to average assets | 2.4804% | 6,137 |
| Loan and lease loss provision to assets | 0.6013% | 2,989 |
| Net operating income to assets | 0.2340% | 5,045 |
| Return on assets (ROA) | 0.2340% | 5,125 |
| Pretax return on assets | 0.2340% | 5,219 |
| Return on Equity (ROE) | 2.5841% | 4,956 |
| Retained earnings to average equity (ytd only) | 2.5841% | 3,873 |
| Net charge-offs to loans | 0.6983% | 2,602 |
| Credit loss provision to net charge-offs | 95.5968% | 5,322 |
| Earnings coverage of net charge-offs (x) | 1.3279% | 4,792 |
| Efficiency ratio | 74.8077% | 3,724 |
| Assets per employee ($millions) | 7.7089% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 3,946 |
| Loan loss allowance to noncurrent loans | 66.2234% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 5.3482% | 1,084 |
| Noncurrent loans to loans | 2.1138% | 3,490 |
| Net loans and leases to total assets | 85.3184% | 405 |
| Net loans and leases to deposits | 103.5618% | 806 |
| Net loans and leases to core deposits | 137.8575% | 1,020 |
| Total domestic deposits to total assets | 82.3840% | 4,506 |
| Equity capital to assets | 9.8090% | 4,340 |
| Core capital (leverage) ratio | 9.7165% | 3,622 |
| Tier 1 risk-based capital ratio | 10.8425% | 6,112 |
| Total risk-based capital ratio | 12.0939% | 6,067 |
| Memoranda: | ||
| Average total assets | $182,924,750 | 3,417 |
| Average earning assets | $171,716,750 | 3,351 |
| Average equity | $16,562,250 | 3,795 |
| Average total loans | $164,782,750 | 2,716 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4152% | 5,062 |
| Cost of funding earning assets | 2.3037% | 2,346 |
| Net interest margin | 3.1116% | 6,197 |
| Noninterest income to average assets | 0.2085% | 6,802 |
| Noninterest expense to average assets | 2.3476% | 6,630 |
| Loan and lease loss provision to assets | 0.4884% | 3,093 |
| Net operating income to assets | 0.3018% | 4,890 |
| Return on assets (ROA) | 0.3018% | 5,001 |
| Pretax return on assets | 0.3018% | 5,205 |
| Return on Equity (ROE) | 3.4303% | 4,738 |
| Retained earnings to average equity (ytd only) | 3.4303% | 3,412 |
| Net charge-offs to loans | 0.3535% | 3,419 |
| Credit loss provision to net charge-offs | 151.3605% | 3,042 |
| Earnings coverage of net charge-offs (x) | 2.4490% | 3,844 |
| Efficiency ratio | 74.8164% | 3,903 |
| Assets per employee ($millions) | 7.6766% | 570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4532% | 3,446 |
| Loan loss allowance to noncurrent loans | 72.7545% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 4.7612% | 1,158 |
| Noncurrent loans to loans | 1.9974% | 3,527 |
| Net loans and leases to total assets | 89.4408% | 156 |
| Net loans and leases to deposits | 107.3169% | 689 |
| Net loans and leases to core deposits | 138.2880% | 1,089 |
| Total domestic deposits to total assets | 83.3427% | 4,093 |
| Equity capital to assets | 8.8945% | 5,461 |
| Core capital (leverage) ratio | 8.8388% | 4,882 |
| Tier 1 risk-based capital ratio | 9.4784% | 7,405 |
| Total risk-based capital ratio | 10.7303% | 7,362 |
| Memoranda: | ||
| Average total assets | $182,228,330 | 3,452 |
| Average earning assets | $171,552,670 | 3,369 |
| Average equity | $16,033,670 | 3,916 |
| Average total loans | $166,346,330 | 2,724 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3019% | 5,883 |
| Cost of funding earning assets | 2.4023% | 2,283 |
| Net interest margin | 2.8996% | 6,745 |
| Noninterest income to average assets | 0.2605% | 6,369 |
| Noninterest expense to average assets | 2.2315% | 6,750 |
| Loan and lease loss provision to assets | 0.4414% | 2,718 |
| Net operating income to assets | 0.3289% | 5,169 |
| Return on assets (ROA) | 0.3289% | 5,355 |
| Pretax return on assets | 0.3289% | 5,595 |
| Return on Equity (ROE) | 3.7586% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.7586% | 3,809 |
| Net charge-offs to loans | 0.3110% | 2,860 |
| Credit loss provision to net charge-offs | 155.0388% | 2,703 |
| Earnings coverage of net charge-offs (x) | 2.7054% | 3,408 |
| Efficiency ratio | 74.3382% | 3,766 |
| Assets per employee ($millions) | 7.6270% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 3,558 |
| Loan loss allowance to noncurrent loans | 52.4554% | 5,052 |
| Noncurrent assets plus other real estate owned to assets | 4.5955% | 1,031 |
| Noncurrent loans to loans | 2.6497% | 2,477 |
| Net loans and leases to total assets | 91.0843% | 93 |
| Net loans and leases to deposits | 109.7748% | 628 |
| Net loans and leases to core deposits | 136.1315% | 1,301 |
| Total domestic deposits to total assets | 82.9738% | 4,162 |
| Equity capital to assets | 8.8868% | 5,504 |
| Core capital (leverage) ratio | 8.9466% | 4,800 |
| Tier 1 risk-based capital ratio | 9.3652% | 7,534 |
| Total risk-based capital ratio | 10.6158% | 7,493 |
| Memoranda: | ||
| Average total assets | $181,223,500 | 3,487 |
| Average earning assets | $171,335,000 | 3,403 |
| Average equity | $15,857,000 | 3,976 |
| Average total loans | $165,912,500 | 2,755 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1006% | 5,041 |
| Cost of funding earning assets | 2.8333% | 2,565 |
| Net interest margin | 3.2673% | 6,149 |
| Noninterest income to average assets | 0.2471% | 6,679 |
| Noninterest expense to average assets | 2.2488% | 6,844 |
| Loan and lease loss provision to assets | 2.0926% | 562 |
| Net operating income to assets | -0.9802% | 7,241 |
| Return on assets (ROA) | -0.9802% | 7,158 |
| Pretax return on assets | -0.9772% | 6,987 |
| Return on Equity (ROE) | -11.0050% | 7,343 |
| Retained earnings to average equity (ytd only) | -13.0810% | 7,339 |
| Net charge-offs to loans | 1.9023% | 577 |
| Credit loss provision to net charge-offs | 120.3787% | 4,459 |
| Earnings coverage of net charge-offs (x) | 0.6417% | 5,839 |
| Efficiency ratio | 66.8445% | 4,932 |
| Assets per employee ($millions) | 7.8000% | 492 |
| Cash dividends to net income (ytd only)* | -18.8645% | 7,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4003% | 3,195 |
| Loan loss allowance to noncurrent loans | 39.3950% | 6,092 |
| Noncurrent assets plus other real estate owned to assets | 5.0987% | 672 |
| Noncurrent loans to loans | 3.5546% | 1,426 |
| Net loans and leases to total assets | 89.4476% | 239 |
| Net loans and leases to deposits | 105.7909% | 1,143 |
| Net loans and leases to core deposits | 130.4891% | 1,818 |
| Total domestic deposits to total assets | 84.5513% | 3,047 |
| Equity capital to assets | 8.6104% | 5,922 |
| Core capital (leverage) ratio | 8.4039% | 5,755 |
| Tier 1 risk-based capital ratio | 8.9946% | 7,782 |
| Total risk-based capital ratio | 10.2458% | 7,784 |
| Memoranda: | ||
| Average total assets | $167,112,400 | 3,594 |
| Average earning assets | $159,427,400 | 3,481 |
| Average equity | $14,884,200 | 4,163 |
| Average total loans | $152,707,000 | 2,876 |