Home > Southwest Bank > Performance and Condition Ratios
Southwest 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 | 1.2571% | 5,643 |
| Cost of funding earning assets | 0.1836% | 5,066 |
| Net interest margin | 1.0736% | 5,641 |
| Noninterest income to average assets | 0.1357% | 5,270 |
| Noninterest expense to average assets | 0.4009% | 5,656 |
| Loan and lease loss provision to assets | 0.0862% | 2,469 |
| Net operating income to assets | 0.2360% | 5,037 |
| Return on assets (ROA) | 0.2360% | 5,051 |
| Pretax return on assets | 0.6509% | 4,630 |
| Return on Equity (ROE) | 1.6696% | 5,118 |
| Retained earnings to average equity (ytd only) | 1.6696% | 4,304 |
| Net charge-offs to loans | 0.0000% | 4,127 |
| Credit loss provision to net charge-offs | 209,100.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 17,876.0000% | 1 |
| Efficiency ratio | 34.7828% | 5,597 |
| Assets per employee ($millions) | 9.2235% | 416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0952% | 5,602 |
| Loan loss allowance to noncurrent loans | 1,231.1828% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,153 |
| Noncurrent loans to loans | 0.0077% | 5,022 |
| Net loans and leases to total assets | 83.1998% | 527 |
| Net loans and leases to deposits | 131.5443% | 43 |
| Net loans and leases to core deposits | 149.6975% | 134 |
| Total domestic deposits to total assets | 63.2485% | 5,559 |
| Equity capital to assets | 18.6585% | 268 |
| Core capital (leverage) ratio | 12.2327% | 1,482 |
| Tier 1 risk-based capital ratio | 10.9378% | 5,186 |
| Total risk-based capital ratio | 11.0227% | 5,538 |
| Memoranda: | ||
| Average total assets | $2,424,948,800 | 353 |
| Average earning assets | $2,264,091,000 | 346 |
| Average equity | $342,722,200 | 302 |
| Average total loans | $2,104,939,200 | 304 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 1,479 |
| Cost of funding earning assets | 0.7660% | 699 |
| Net interest margin | 3.7912% | 2,437 |
| Noninterest income to average assets | 0.5917% | 2,524 |
| Noninterest expense to average assets | 2.3524% | 4,147 |
| Loan and lease loss provision to assets | 0.2204% | 843 |
| Net operating income to assets | 1.0493% | 2,333 |
| Return on assets (ROA) | 1.0493% | 2,375 |
| Pretax return on assets | 1.6255% | 1,327 |
| Return on Equity (ROE) | 8.2498% | 2,994 |
| Retained earnings to average equity (ytd only) | 8.2498% | 1,109 |
| Net charge-offs to loans | 0.0064% | 3,503 |
| Credit loss provision to net charge-offs | 3,894.8980% | 118 |
| Earnings coverage of net charge-offs (x) | 326.2534% | 281 |
| Efficiency ratio | 55.9889% | 4,738 |
| Assets per employee ($millions) | 8.0001% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9193% | 4,469 |
| Loan loss allowance to noncurrent loans | 15,089.8551% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 5,241 |
| Noncurrent loans to loans | 0.0061% | 5,117 |
| Net loans and leases to total assets | 88.5017% | 133 |
| Net loans and leases to deposits | 118.9285% | 114 |
| Net loans and leases to core deposits | 134.9189% | 269 |
| Total domestic deposits to total assets | 74.4159% | 5,196 |
| Equity capital to assets | 12.6353% | 1,583 |
| Core capital (leverage) ratio | 12.0584% | 1,647 |
| Tier 1 risk-based capital ratio | 11.1657% | 5,148 |
| Total risk-based capital ratio | 11.9858% | 5,284 |
| Memoranda: | ||
| Average total assets | $2,309,449,500 | 367 |
| Average earning assets | $2,196,951,750 | 352 |
| Average equity | $293,737,750 | 336 |
| Average total loans | $2,030,118,000 | 313 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4190% | 1,758 |
| Cost of funding earning assets | 0.7102% | 847 |
| Net interest margin | 3.7088% | 2,627 |
| Noninterest income to average assets | 0.5902% | 2,513 |
| Noninterest expense to average assets | 2.4389% | 3,946 |
| Loan and lease loss provision to assets | 0.2205% | 801 |
| Net operating income to assets | 0.9480% | 2,673 |
| Return on assets (ROA) | 0.9480% | 2,730 |
| Pretax return on assets | 1.4548% | 1,810 |
| Return on Equity (ROE) | 7.4351% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.4351% | 1,381 |
| Net charge-offs to loans | 0.0024% | 3,425 |
| Credit loss provision to net charge-offs | 10,708.6957% | 33 |
| Earnings coverage of net charge-offs (x) | 813.6087% | 90 |
| Efficiency ratio | 59.2210% | 4,436 |
| Assets per employee ($millions) | 7.4246% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9120% | 4,588 |
| Loan loss allowance to noncurrent loans | 13,861.7021% | 56 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 5,279 |
| Noncurrent loans to loans | 0.0066% | 5,165 |
| Net loans and leases to total assets | 89.3776% | 98 |
| Net loans and leases to deposits | 118.3327% | 114 |
| Net loans and leases to core deposits | 135.6774% | 235 |
| Total domestic deposits to total assets | 75.5308% | 5,143 |
| Equity capital to assets | 13.1551% | 1,301 |
| Core capital (leverage) ratio | 12.7166% | 1,290 |
| Tier 1 risk-based capital ratio | 11.5041% | 4,952 |
| Total risk-based capital ratio | 12.3201% | 5,112 |
| Memoranda: | ||
| Average total assets | $2,233,923,000 | 380 |
| Average earning assets | $2,122,696,000 | 365 |
| Average equity | $284,838,330 | 343 |
| Average total loans | $1,951,740,000 | 323 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2813% | 2,006 |
| Cost of funding earning assets | 0.6329% | 1,172 |
| Net interest margin | 3.6484% | 2,701 |
| Noninterest income to average assets | 0.5705% | 2,556 |
| Noninterest expense to average assets | 2.5859% | 3,543 |
| Loan and lease loss provision to assets | 0.2055% | 800 |
| Net operating income to assets | 0.8135% | 3,163 |
| Return on assets (ROA) | 0.8135% | 3,218 |
| Pretax return on assets | 1.2420% | 2,445 |
| Return on Equity (ROE) | 6.4934% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.4934% | 2,084 |
| Net charge-offs to loans | -0.0082% | 4,348 |
| Credit loss provision to net charge-offs | -2,923.6842% | 4,637 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0486% | 3,825 |
| Assets per employee ($millions) | 6.8926% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9529% | 4,531 |
| Loan loss allowance to noncurrent loans | 12,854.9296% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 5,229 |
| Noncurrent loans to loans | 0.0074% | 5,224 |
| Net loans and leases to total assets | 86.2979% | 201 |
| Net loans and leases to deposits | 114.1420% | 147 |
| Net loans and leases to core deposits | 132.1889% | 231 |
| Total domestic deposits to total assets | 75.6057% | 5,272 |
| Equity capital to assets | 12.6569% | 1,439 |
| Core capital (leverage) ratio | 11.9335% | 1,675 |
| Tier 1 risk-based capital ratio | 11.3965% | 5,092 |
| Total risk-based capital ratio | 12.2579% | 5,215 |
| Memoranda: | ||
| Average total assets | $2,162,950,500 | 389 |
| Average earning assets | $2,052,931,000 | 375 |
| Average equity | $270,984,000 | 351 |
| Average total loans | $1,856,091,000 | 334 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4075% | 1,798 |
| Cost of funding earning assets | 0.5551% | 1,642 |
| Net interest margin | 3.8524% | 2,124 |
| Noninterest income to average assets | 0.7344% | 2,023 |
| Noninterest expense to average assets | 2.6331% | 3,576 |
| Loan and lease loss provision to assets | 0.1127% | 2,183 |
| Net operating income to assets | 1.0556% | 2,111 |
| Return on assets (ROA) | 1.0556% | 2,214 |
| Pretax return on assets | 1.6232% | 1,211 |
| Return on Equity (ROE) | 8.3777% | 2,754 |
| Retained earnings to average equity (ytd only) | 8.3777% | 744 |
| Net charge-offs to loans | 0.0016% | 4,223 |
| Credit loss provision to net charge-offs | 8,000.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 1,232.0741% | 50 |
| Efficiency ratio | 60.2019% | 4,550 |
| Assets per employee ($millions) | 6.9289% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9521% | 4,569 |
| Loan loss allowance to noncurrent loans | 9,398.3516% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 5,377 |
| Noncurrent loans to loans | 0.0101% | 5,252 |
| Net loans and leases to total assets | 83.6494% | 417 |
| Net loans and leases to deposits | 107.5482% | 287 |
| Net loans and leases to core deposits | 136.3735% | 211 |
| Total domestic deposits to total assets | 77.7785% | 5,006 |
| Equity capital to assets | 12.3956% | 1,579 |
| Core capital (leverage) ratio | 11.5259% | 1,908 |
| Tier 1 risk-based capital ratio | 11.5019% | 5,055 |
| Total risk-based capital ratio | 12.3695% | 5,157 |
| Memoranda: | ||
| Average total assets | $1,916,319,800 | 406 |
| Average earning assets | $1,807,986,200 | 397 |
| Average equity | $241,450,600 | 374 |
| Average total loans | $1,660,379,400 | 350 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4279% | 1,764 |
| Cost of funding earning assets | 0.5469% | 1,731 |
| Net interest margin | 3.8810% | 2,049 |
| Noninterest income to average assets | 0.7433% | 1,993 |
| Noninterest expense to average assets | 2.6803% | 3,397 |
| Loan and lease loss provision to assets | 0.1430% | 1,635 |
| Net operating income to assets | 1.0285% | 2,301 |
| Return on assets (ROA) | 1.0285% | 2,424 |
| Pretax return on assets | 1.5755% | 1,447 |
| Return on Equity (ROE) | 8.1255% | 2,946 |
| Retained earnings to average equity (ytd only) | 8.1255% | 1,123 |
| Net charge-offs to loans | 0.0016% | 3,886 |
| Credit loss provision to net charge-offs | 10,521.0526% | 45 |
| Earnings coverage of net charge-offs (x) | 1,264.3979% | 51 |
| Efficiency ratio | 60.8636% | 4,416 |
| Assets per employee ($millions) | 6.6683% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9638% | 4,601 |
| Loan loss allowance to noncurrent loans | 2,338.2069% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,339 |
| Noncurrent loans to loans | 0.0412% | 5,198 |
| Net loans and leases to total assets | 86.4989% | 219 |
| Net loans and leases to deposits | 114.6730% | 177 |
| Net loans and leases to core deposits | 147.0587% | 143 |
| Total domestic deposits to total assets | 75.4309% | 5,295 |
| Equity capital to assets | 12.5699% | 1,734 |
| Core capital (leverage) ratio | 11.4020% | 2,112 |
| Tier 1 risk-based capital ratio | 11.4123% | 5,150 |
| Total risk-based capital ratio | 12.3098% | 5,245 |
| Memoranda: | ||
| Average total assets | $1,863,609,500 | 419 |
| Average earning assets | $1,755,356,250 | 404 |
| Average equity | $235,894,500 | 378 |
| Average total loans | $1,626,358,750 | 352 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3725% | 1,909 |
| Cost of funding earning assets | 0.5347% | 1,828 |
| Net interest margin | 3.8378% | 2,185 |
| Noninterest income to average assets | 0.7251% | 2,029 |
| Noninterest expense to average assets | 2.7130% | 3,348 |
| Loan and lease loss provision to assets | 0.1524% | 1,499 |
| Net operating income to assets | 0.9629% | 2,561 |
| Return on assets (ROA) | 0.9629% | 2,707 |
| Pretax return on assets | 1.4721% | 1,764 |
| Return on Equity (ROE) | 7.5873% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.5873% | 1,344 |
| Net charge-offs to loans | 0.0075% | 3,432 |
| Credit loss provision to net charge-offs | 2,342.3729% | 188 |
| Earnings coverage of net charge-offs (x) | 249.6780% | 267 |
| Efficiency ratio | 62.4758% | 4,269 |
| Assets per employee ($millions) | 6.1924% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9606% | 4,717 |
| Loan loss allowance to noncurrent loans | 6,817.9916% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0125% | 5,566 |
| Noncurrent loans to loans | 0.0141% | 5,429 |
| Net loans and leases to total assets | 87.5188% | 168 |
| Net loans and leases to deposits | 118.6226% | 112 |
| Net loans and leases to core deposits | 155.8420% | 100 |
| Total domestic deposits to total assets | 73.7792% | 5,541 |
| Equity capital to assets | 12.7713% | 1,624 |
| Core capital (leverage) ratio | 11.8433% | 1,736 |
| Tier 1 risk-based capital ratio | 11.3515% | 5,246 |
| Total risk-based capital ratio | 12.2427% | 5,354 |
| Memoranda: | ||
| Average total assets | $1,813,541,330 | 427 |
| Average earning assets | $1,707,083,330 | 413 |
| Average equity | $230,148,000 | 384 |
| Average total loans | $1,582,185,330 | 357 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3480% | 1,968 |
| Cost of funding earning assets | 0.5277% | 1,888 |
| Net interest margin | 3.8203% | 2,221 |
| Noninterest income to average assets | 0.6980% | 2,051 |
| Noninterest expense to average assets | 2.7979% | 3,078 |
| Loan and lease loss provision to assets | 0.0673% | 2,617 |
| Net operating income to assets | 0.9366% | 2,574 |
| Return on assets (ROA) | 0.9366% | 2,681 |
| Pretax return on assets | 1.4253% | 1,819 |
| Return on Equity (ROE) | 7.4057% | 3,242 |
| Retained earnings to average equity (ytd only) | 7.4057% | 1,705 |
| Net charge-offs to loans | -0.0207% | 4,882 |
| Credit loss provision to net charge-offs | -374.6835% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1380% | 3,951 |
| Assets per employee ($millions) | 5.7730% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 4,686 |
| Loan loss allowance to noncurrent loans | 20,462.6667% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,664 |
| Noncurrent loans to loans | 0.0048% | 5,511 |
| Net loans and leases to total assets | 86.9491% | 169 |
| Net loans and leases to deposits | 112.2221% | 179 |
| Net loans and leases to core deposits | 139.8412% | 170 |
| Total domestic deposits to total assets | 77.4795% | 5,221 |
| Equity capital to assets | 12.6971% | 1,561 |
| Core capital (leverage) ratio | 11.4200% | 2,036 |
| Tier 1 risk-based capital ratio | 11.2324% | 5,380 |
| Total risk-based capital ratio | 12.1513% | 5,461 |
| Memoranda: | ||
| Average total assets | $1,760,486,500 | 437 |
| Average earning assets | $1,655,482,000 | 425 |
| Average equity | $222,639,500 | 394 |
| Average total loans | $1,525,103,000 | 367 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4530% | 1,733 |
| Cost of funding earning assets | 0.5318% | 1,910 |
| Net interest margin | 3.9213% | 1,960 |
| Noninterest income to average assets | 0.7903% | 1,825 |
| Noninterest expense to average assets | 2.8005% | 3,224 |
| Loan and lease loss provision to assets | 0.0982% | 2,351 |
| Net operating income to assets | 1.0111% | 2,301 |
| Return on assets (ROA) | 1.0111% | 2,392 |
| Pretax return on assets | 1.5689% | 1,346 |
| Return on Equity (ROE) | 7.9618% | 2,982 |
| Retained earnings to average equity (ytd only) | 7.9618% | 930 |
| Net charge-offs to loans | 0.0218% | 3,829 |
| Credit loss provision to net charge-offs | 527.0968% | 623 |
| Earnings coverage of net charge-offs (x) | 89.4548% | 635 |
| Efficiency ratio | 62.6100% | 4,512 |
| Assets per employee ($millions) | 5.7712% | 1,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0022% | 4,599 |
| Loan loss allowance to noncurrent loans | 16,452.7473% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,698 |
| Noncurrent loans to loans | 0.0061% | 5,524 |
| Net loans and leases to total assets | 84.5720% | 341 |
| Net loans and leases to deposits | 105.7406% | 374 |
| Net loans and leases to core deposits | 132.8747% | 233 |
| Total domestic deposits to total assets | 79.9806% | 4,748 |
| Equity capital to assets | 12.5952% | 1,570 |
| Core capital (leverage) ratio | 11.0422% | 2,360 |
| Tier 1 risk-based capital ratio | 11.3668% | 5,331 |
| Total risk-based capital ratio | 12.2957% | 5,398 |
| Memoranda: | ||
| Average total assets | $1,663,376,000 | 438 |
| Average earning assets | $1,559,899,800 | 424 |
| Average equity | $211,245,600 | 396 |
| Average total loans | $1,423,190,000 | 367 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4689% | 1,696 |
| Cost of funding earning assets | 0.5325% | 1,949 |
| Net interest margin | 3.9364% | 1,911 |
| Noninterest income to average assets | 0.7865% | 1,847 |
| Noninterest expense to average assets | 2.8532% | 2,994 |
| Loan and lease loss provision to assets | 0.0797% | 2,582 |
| Net operating income to assets | 0.9968% | 2,487 |
| Return on assets (ROA) | 0.9968% | 2,575 |
| Pretax return on assets | 1.5419% | 1,564 |
| Return on Equity (ROE) | 7.8316% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.8316% | 1,314 |
| Net charge-offs to loans | 0.0254% | 3,428 |
| Credit loss provision to net charge-offs | 366.0448% | 813 |
| Earnings coverage of net charge-offs (x) | 74.5158% | 781 |
| Efficiency ratio | 63.6865% | 4,300 |
| Assets per employee ($millions) | 5.4560% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0070% | 4,710 |
| Loan loss allowance to noncurrent loans | 9,032.0755% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 5,763 |
| Noncurrent loans to loans | 0.0111% | 5,596 |
| Net loans and leases to total assets | 85.1136% | 295 |
| Net loans and leases to deposits | 103.4698% | 474 |
| Net loans and leases to core deposits | 130.0938% | 276 |
| Total domestic deposits to total assets | 82.2594% | 4,082 |
| Equity capital to assets | 13.0067% | 1,442 |
| Core capital (leverage) ratio | 11.2674% | 2,228 |
| Tier 1 risk-based capital ratio | 11.6621% | 5,291 |
| Total risk-based capital ratio | 12.6009% | 5,371 |
| Memoranda: | ||
| Average total assets | $1,642,053,250 | 444 |
| Average earning assets | $1,538,544,250 | 432 |
| Average equity | $208,995,000 | 404 |
| Average total loans | $1,405,523,750 | 372 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4451% | 1,702 |
| Cost of funding earning assets | 0.5287% | 1,995 |
| Net interest margin | 3.9164% | 1,924 |
| Noninterest income to average assets | 0.8001% | 1,778 |
| Noninterest expense to average assets | 2.8529% | 3,057 |
| Loan and lease loss provision to assets | 0.0877% | 2,354 |
| Net operating income to assets | 0.9969% | 2,404 |
| Return on assets (ROA) | 0.9969% | 2,515 |
| Pretax return on assets | 1.5243% | 1,575 |
| Return on Equity (ROE) | 7.8907% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.8907% | 1,311 |
| Net charge-offs to loans | 0.0435% | 2,830 |
| Credit loss provision to net charge-offs | 236.1842% | 1,090 |
| Earnings coverage of net charge-offs (x) | 43.3914% | 1,066 |
| Efficiency ratio | 63.8183% | 4,386 |
| Assets per employee ($millions) | 5.4425% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9931% | 4,899 |
| Loan loss allowance to noncurrent loans | 1,680.0478% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 5,652 |
| Noncurrent loans to loans | 0.0591% | 5,497 |
| Net loans and leases to total assets | 85.5734% | 260 |
| Net loans and leases to deposits | 105.4181% | 395 |
| Net loans and leases to core deposits | 134.6628% | 213 |
| Total domestic deposits to total assets | 81.1752% | 4,557 |
| Equity capital to assets | 12.8869% | 1,454 |
| Core capital (leverage) ratio | 11.1339% | 2,304 |
| Tier 1 risk-based capital ratio | 11.3639% | 5,541 |
| Total risk-based capital ratio | 12.2824% | 5,618 |
| Memoranda: | ||
| Average total assets | $1,636,528,670 | 445 |
| Average earning assets | $1,531,405,330 | 430 |
| Average equity | $206,749,000 | 410 |
| Average total loans | $1,398,672,330 | 373 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4056% | 1,750 |
| Cost of funding earning assets | 0.5215% | 2,096 |
| Net interest margin | 3.8841% | 1,951 |
| Noninterest income to average assets | 0.7833% | 1,771 |
| Noninterest expense to average assets | 2.8296% | 3,140 |
| Loan and lease loss provision to assets | 0.0917% | 2,166 |
| Net operating income to assets | 0.9823% | 2,336 |
| Return on assets (ROA) | 0.9823% | 2,466 |
| Pretax return on assets | 1.4971% | 1,575 |
| Return on Equity (ROE) | 7.8546% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.8546% | 1,624 |
| Net charge-offs to loans | 0.0017% | 3,254 |
| Credit loss provision to net charge-offs | 6,250.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 1,082.8333% | 35 |
| Efficiency ratio | 63.9639% | 4,491 |
| Assets per employee ($millions) | 5.6257% | 1,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9915% | 5,079 |
| Loan loss allowance to noncurrent loans | 2,008.1662% | 305 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 5,676 |
| Noncurrent loans to loans | 0.0494% | 5,586 |
| Net loans and leases to total assets | 84.6266% | 277 |
| Net loans and leases to deposits | 107.2793% | 275 |
| Net loans and leases to core deposits | 137.7732% | 171 |
| Total domestic deposits to total assets | 78.8844% | 5,284 |
| Equity capital to assets | 12.5042% | 1,692 |
| Core capital (leverage) ratio | 10.9538% | 2,455 |
| Tier 1 risk-based capital ratio | 10.9036% | 5,850 |
| Total risk-based capital ratio | 11.8050% | 5,931 |
| Memoranda: | ||
| Average total assets | $1,635,702,500 | 444 |
| Average earning assets | $1,530,865,000 | 428 |
| Average equity | $204,568,500 | 412 |
| Average total loans | $1,390,054,000 | 370 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6905% | 1,335 |
| Cost of funding earning assets | 0.5322% | 2,363 |
| Net interest margin | 4.1583% | 1,409 |
| Noninterest income to average assets | 0.7171% | 2,230 |
| Noninterest expense to average assets | 3.0551% | 2,667 |
| Loan and lease loss provision to assets | 0.1520% | 1,730 |
| Net operating income to assets | 0.8779% | 2,986 |
| Return on assets (ROA) | 0.8779% | 3,070 |
| Pretax return on assets | 1.3661% | 2,015 |
| Return on Equity (ROE) | 6.7326% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.7326% | 1,525 |
| Net charge-offs to loans | 0.0050% | 4,846 |
| Credit loss provision to net charge-offs | 3,500.0000% | 82 |
| Earnings coverage of net charge-offs (x) | 349.6190% | 155 |
| Efficiency ratio | 65.6197% | 4,317 |
| Assets per employee ($millions) | 5.4644% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9988% | 5,073 |
| Loan loss allowance to noncurrent loans | 1,601.8779% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.0751% | 5,731 |
| Noncurrent loans to loans | 0.0624% | 5,629 |
| Net loans and leases to total assets | 83.6352% | 372 |
| Net loans and leases to deposits | 105.9581% | 358 |
| Net loans and leases to core deposits | 132.1493% | 221 |
| Total domestic deposits to total assets | 78.9323% | 5,261 |
| Equity capital to assets | 12.5088% | 1,645 |
| Core capital (leverage) ratio | 11.1056% | 2,311 |
| Tier 1 risk-based capital ratio | 11.4245% | 5,698 |
| Total risk-based capital ratio | 12.3683% | 5,801 |
| Memoranda: | ||
| Average total assets | $1,450,889,000 | 482 |
| Average earning assets | $1,345,455,400 | 472 |
| Average equity | $189,199,400 | 424 |
| Average total loans | $1,256,594,600 | 375 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7299% | 1,238 |
| Cost of funding earning assets | 0.5402% | 2,371 |
| Net interest margin | 4.1897% | 1,315 |
| Noninterest income to average assets | 0.6970% | 2,342 |
| Noninterest expense to average assets | 3.1392% | 2,352 |
| Loan and lease loss provision to assets | 0.1673% | 1,479 |
| Net operating income to assets | 0.8242% | 3,318 |
| Return on assets (ROA) | 0.8242% | 3,407 |
| Pretax return on assets | 1.2657% | 2,511 |
| Return on Equity (ROE) | 6.2470% | 4,104 |
| Retained earnings to average equity (ytd only) | 6.2470% | 2,252 |
| Net charge-offs to loans | 0.0065% | 4,475 |
| Credit loss provision to net charge-offs | 2,946.6667% | 138 |
| Earnings coverage of net charge-offs (x) | 252.4270% | 266 |
| Efficiency ratio | 67.0591% | 4,034 |
| Assets per employee ($millions) | 5.0775% | 2,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 5,179 |
| Loan loss allowance to noncurrent loans | 1,488.0631% | 397 |
| Noncurrent assets plus other real estate owned to assets | 0.1490% | 5,593 |
| Noncurrent loans to loans | 0.0677% | 5,747 |
| Net loans and leases to total assets | 86.9451% | 152 |
| Net loans and leases to deposits | 108.6835% | 251 |
| Net loans and leases to core deposits | 134.0102% | 191 |
| Total domestic deposits to total assets | 79.9984% | 5,100 |
| Equity capital to assets | 13.2150% | 1,326 |
| Core capital (leverage) ratio | 11.1930% | 2,315 |
| Tier 1 risk-based capital ratio | 11.5320% | 5,775 |
| Total risk-based capital ratio | 12.4789% | 5,850 |
| Memoranda: | ||
| Average total assets | $1,409,248,750 | 495 |
| Average earning assets | $1,303,446,250 | 484 |
| Average equity | $185,918,500 | 427 |
| Average total loans | $1,229,142,000 | 380 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6928% | 1,295 |
| Cost of funding earning assets | 0.5403% | 2,432 |
| Net interest margin | 4.1525% | 1,377 |
| Noninterest income to average assets | 0.6259% | 2,675 |
| Noninterest expense to average assets | 3.1886% | 2,228 |
| Loan and lease loss provision to assets | 0.1898% | 1,283 |
| Net operating income to assets | 0.7055% | 3,809 |
| Return on assets (ROA) | 0.7055% | 3,902 |
| Pretax return on assets | 1.0818% | 3,176 |
| Return on Equity (ROE) | 5.3510% | 4,507 |
| Retained earnings to average equity (ytd only) | 5.3510% | 2,733 |
| Net charge-offs to loans | 0.0078% | 4,129 |
| Credit loss provision to net charge-offs | 2,789.3617% | 134 |
| Earnings coverage of net charge-offs (x) | 186.8723% | 340 |
| Efficiency ratio | 69.3414% | 3,772 |
| Assets per employee ($millions) | 5.1662% | 2,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 5,407 |
| Loan loss allowance to noncurrent loans | 583.6380% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 5,623 |
| Noncurrent loans to loans | 0.1688% | 5,506 |
| Net loans and leases to total assets | 86.8528% | 136 |
| Net loans and leases to deposits | 110.5978% | 195 |
| Net loans and leases to core deposits | 136.4662% | 167 |
| Total domestic deposits to total assets | 78.5304% | 5,547 |
| Equity capital to assets | 12.7602% | 1,512 |
| Core capital (leverage) ratio | 11.0243% | 2,405 |
| Tier 1 risk-based capital ratio | 11.1441% | 5,991 |
| Total risk-based capital ratio | 12.0817% | 6,065 |
| Memoranda: | ||
| Average total assets | $1,381,404,000 | 503 |
| Average earning assets | $1,275,584,000 | 493 |
| Average equity | $182,134,000 | 430 |
| Average total loans | $1,201,817,330 | 383 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 1,197 |
| Cost of funding earning assets | 0.5409% | 2,494 |
| Net interest margin | 4.1885% | 1,252 |
| Noninterest income to average assets | 0.6045% | 2,709 |
| Noninterest expense to average assets | 3.2934% | 1,958 |
| Loan and lease loss provision to assets | 0.1809% | 1,326 |
| Net operating income to assets | 0.6429% | 3,983 |
| Return on assets (ROA) | 0.6429% | 4,073 |
| Pretax return on assets | 0.9864% | 3,379 |
| Return on Equity (ROE) | 4.7906% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.7906% | 3,239 |
| Net charge-offs to loans | 0.0194% | 3,200 |
| Credit loss provision to net charge-offs | 1,076.7857% | 295 |
| Earnings coverage of net charge-offs (x) | 69.4821% | 594 |
| Efficiency ratio | 71.5112% | 3,575 |
| Assets per employee ($millions) | 4.7933% | 2,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 5,465 |
| Loan loss allowance to noncurrent loans | 610.2785% | 786 |
| Noncurrent assets plus other real estate owned to assets | 0.1441% | 5,814 |
| Noncurrent loans to loans | 0.1661% | 5,587 |
| Net loans and leases to total assets | 85.8792% | 148 |
| Net loans and leases to deposits | 108.4010% | 181 |
| Net loans and leases to core deposits | 129.1057% | 196 |
| Total domestic deposits to total assets | 79.2236% | 5,651 |
| Equity capital to assets | 13.1344% | 1,241 |
| Core capital (leverage) ratio | 11.1812% | 2,238 |
| Tier 1 risk-based capital ratio | 11.3573% | 5,991 |
| Total risk-based capital ratio | 12.3101% | 6,081 |
| Memoranda: | ||
| Average total assets | $1,333,346,000 | 521 |
| Average earning assets | $1,227,563,500 | 509 |
| Average equity | $178,933,500 | 438 |
| Average total loans | $1,154,707,000 | 398 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 1,069 |
| Cost of funding earning assets | 0.5612% | 3,009 |
| Net interest margin | 4.3547% | 987 |
| Noninterest income to average assets | 0.9729% | 1,455 |
| Noninterest expense to average assets | 3.7103% | 1,272 |
| Loan and lease loss provision to assets | 0.1929% | 1,916 |
| Net operating income to assets | 0.6842% | 3,878 |
| Return on assets (ROA) | 0.8062% | 3,362 |
| Pretax return on assets | 1.2337% | 2,443 |
| Return on Equity (ROE) | 5.9769% | 4,096 |
| Retained earnings to average equity (ytd only) | 5.9769% | 1,986 |
| Net charge-offs to loans | 0.0868% | 3,987 |
| Credit loss provision to net charge-offs | 262.9758% | 863 |
| Earnings coverage of net charge-offs (x) | 16.8904% | 1,760 |
| Efficiency ratio | 72.6044% | 3,368 |
| Assets per employee ($millions) | 4.6780% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 5,431 |
| Loan loss allowance to noncurrent loans | 924.9196% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.0960% | 6,056 |
| Noncurrent loans to loans | 0.1111% | 5,875 |
| Net loans and leases to total assets | 85.5490% | 176 |
| Net loans and leases to deposits | 112.0202% | 140 |
| Net loans and leases to core deposits | 131.1472% | 186 |
| Total domestic deposits to total assets | 76.3692% | 6,060 |
| Equity capital to assets | 13.7219% | 989 |
| Core capital (leverage) ratio | 11.6983% | 1,829 |
| Tier 1 risk-based capital ratio | 11.8486% | 5,708 |
| Total risk-based capital ratio | 12.8148% | 5,812 |
| Memoranda: | ||
| Average total assets | $1,182,066,800 | 554 |
| Average earning assets | $1,079,334,800 | 549 |
| Average equity | $159,447,400 | 472 |
| Average total loans | $998,374,200 | 432 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9340% | 1,058 |
| Cost of funding earning assets | 0.5666% | 3,111 |
| Net interest margin | 4.3674% | 955 |
| Noninterest income to average assets | 1.0347% | 1,363 |
| Noninterest expense to average assets | 3.8078% | 1,071 |
| Loan and lease loss provision to assets | 0.1410% | 2,529 |
| Net operating income to assets | 0.7022% | 3,848 |
| Return on assets (ROA) | 0.8714% | 3,094 |
| Pretax return on assets | 1.3236% | 2,239 |
| Return on Equity (ROE) | 6.4918% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.4918% | 2,137 |
| Net charge-offs to loans | 0.0682% | 3,944 |
| Credit loss provision to net charge-offs | 246.4646% | 1,000 |
| Earnings coverage of net charge-offs (x) | 21.1173% | 1,561 |
| Efficiency ratio | 73.5230% | 3,140 |
| Assets per employee ($millions) | 4.3586% | 3,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0611% | 5,480 |
| Loan loss allowance to noncurrent loans | 958.1931% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0945% | 6,155 |
| Noncurrent loans to loans | 0.1107% | 5,999 |
| Net loans and leases to total assets | 84.4606% | 218 |
| Net loans and leases to deposits | 106.6658% | 223 |
| Net loans and leases to core deposits | 125.7817% | 241 |
| Total domestic deposits to total assets | 79.1825% | 5,704 |
| Equity capital to assets | 13.3539% | 1,181 |
| Core capital (leverage) ratio | 10.6949% | 2,800 |
| Tier 1 risk-based capital ratio | 11.5154% | 6,053 |
| Total risk-based capital ratio | 12.5314% | 6,121 |
| Memoranda: | ||
| Average total assets | $1,153,634,250 | 569 |
| Average earning assets | $1,051,619,500 | 566 |
| Average equity | $154,857,250 | 484 |
| Average total loans | $967,956,000 | 439 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8816% | 1,140 |
| Cost of funding earning assets | 0.5654% | 3,262 |
| Net interest margin | 4.3162% | 1,001 |
| Noninterest income to average assets | 1.1371% | 1,179 |
| Noninterest expense to average assets | 3.8827% | 999 |
| Loan and lease loss provision to assets | 0.1488% | 2,474 |
| Net operating income to assets | 0.6832% | 3,889 |
| Return on assets (ROA) | 0.9401% | 2,762 |
| Pretax return on assets | 1.4297% | 1,837 |
| Return on Equity (ROE) | 6.9908% | 3,605 |
| Retained earnings to average equity (ytd only) | 6.9908% | 1,900 |
| Net charge-offs to loans | 0.1045% | 3,311 |
| Credit loss provision to net charge-offs | 170.6237% | 1,382 |
| Earnings coverage of net charge-offs (x) | 13.6398% | 1,885 |
| Efficiency ratio | 74.1561% | 3,094 |
| Assets per employee ($millions) | 4.2742% | 3,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0556% | 5,605 |
| Loan loss allowance to noncurrent loans | 1,176.1261% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 6,273 |
| Noncurrent loans to loans | 0.0898% | 6,128 |
| Net loans and leases to total assets | 83.5873% | 261 |
| Net loans and leases to deposits | 109.0790% | 162 |
| Net loans and leases to core deposits | 129.4476% | 194 |
| Total domestic deposits to total assets | 76.6300% | 6,180 |
| Equity capital to assets | 13.5593% | 1,105 |
| Core capital (leverage) ratio | 11.0020% | 2,351 |
| Tier 1 risk-based capital ratio | 11.9462% | 5,822 |
| Total risk-based capital ratio | 12.9851% | 5,926 |
| Memoranda: | ||
| Average total assets | $1,140,091,670 | 577 |
| Average earning assets | $1,039,335,000 | 573 |
| Average equity | $153,316,330 | 488 |
| Average total loans | $950,775,000 | 444 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8994% | 1,085 |
| Cost of funding earning assets | 0.5632% | 3,450 |
| Net interest margin | 4.3361% | 898 |
| Noninterest income to average assets | 1.1297% | 1,172 |
| Noninterest expense to average assets | 3.8169% | 1,088 |
| Loan and lease loss provision to assets | 0.1103% | 2,855 |
| Net operating income to assets | 0.7626% | 3,368 |
| Return on assets (ROA) | 0.7626% | 3,510 |
| Pretax return on assets | 1.1457% | 2,787 |
| Return on Equity (ROE) | 5.6955% | 4,205 |
| Retained earnings to average equity (ytd only) | 5.6955% | 2,844 |
| Net charge-offs to loans | 0.1778% | 2,325 |
| Credit loss provision to net charge-offs | 74.8792% | 2,231 |
| Earnings coverage of net charge-offs (x) | 8.5290% | 1,935 |
| Efficiency ratio | 72.8089% | 3,468 |
| Assets per employee ($millions) | 4.1486% | 3,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 5,683 |
| Loan loss allowance to noncurrent loans | 447.3354% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.2301% | 5,880 |
| Noncurrent loans to loans | 0.2418% | 5,811 |
| Net loans and leases to total assets | 82.1614% | 273 |
| Net loans and leases to deposits | 104.8664% | 215 |
| Net loans and leases to core deposits | 121.0336% | 270 |
| Total domestic deposits to total assets | 78.3486% | 6,066 |
| Equity capital to assets | 13.7293% | 1,124 |
| Core capital (leverage) ratio | 10.4864% | 2,796 |
| Tier 1 risk-based capital ratio | 11.8783% | 5,985 |
| Total risk-based capital ratio | 12.9416% | 6,064 |
| Memoranda: | ||
| Average total assets | $1,124,570,500 | 595 |
| Average earning assets | $1,022,664,500 | 591 |
| Average equity | $150,575,500 | 498 |
| Average total loans | $931,481,000 | 452 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 1,863 |
| Cost of funding earning assets | 0.6588% | 3,846 |
| Net interest margin | 4.2338% | 1,565 |
| Noninterest income to average assets | 1.1815% | 1,125 |
| Noninterest expense to average assets | 4.1104% | 850 |
| Loan and lease loss provision to assets | 0.1628% | 3,582 |
| Net operating income to assets | 0.5203% | 4,599 |
| Return on assets (ROA) | 0.5637% | 4,668 |
| Pretax return on assets | 0.8151% | 4,239 |
| Return on Equity (ROE) | 3.9877% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.9877% | 3,397 |
| Net charge-offs to loans | 0.1392% | 4,300 |
| Credit loss provision to net charge-offs | 153.3456% | 1,767 |
| Earnings coverage of net charge-offs (x) | 8.6214% | 2,379 |
| Efficiency ratio | 76.9910% | 2,593 |
| Assets per employee ($millions) | 4.2437% | 3,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0743% | 5,657 |
| Loan loss allowance to noncurrent loans | 277.2802% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3539% | 5,630 |
| Noncurrent loans to loans | 0.3874% | 5,522 |
| Net loans and leases to total assets | 81.7178% | 343 |
| Net loans and leases to deposits | 113.6145% | 118 |
| Net loans and leases to core deposits | 128.1938% | 201 |
| Total domestic deposits to total assets | 71.9255% | 6,695 |
| Equity capital to assets | 13.0575% | 1,416 |
| Core capital (leverage) ratio | 10.4715% | 2,801 |
| Tier 1 risk-based capital ratio | 11.3975% | 6,162 |
| Total risk-based capital ratio | 12.4747% | 6,223 |
| Memoranda: | ||
| Average total assets | $1,027,940,000 | 648 |
| Average earning assets | $933,275,000 | 642 |
| Average equity | $145,296,600 | 502 |
| Average total loans | $783,931,400 | 519 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 1,997 |
| Cost of funding earning assets | 0.6898% | 3,855 |
| Net interest margin | 4.2138% | 1,696 |
| Noninterest income to average assets | 1.1594% | 1,136 |
| Noninterest expense to average assets | 4.2115% | 711 |
| Loan and lease loss provision to assets | 0.1790% | 3,347 |
| Net operating income to assets | 0.3947% | 5,269 |
| Return on assets (ROA) | 0.4269% | 5,369 |
| Pretax return on assets | 0.6441% | 5,035 |
| Return on Equity (ROE) | 2.9564% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.9564% | 4,783 |
| Net charge-offs to loans | 0.1595% | 3,839 |
| Credit loss provision to net charge-offs | 150.7295% | 1,871 |
| Earnings coverage of net charge-offs (x) | 6.5219% | 2,771 |
| Efficiency ratio | 78.7717% | 2,270 |
| Assets per employee ($millions) | 4.0140% | 3,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 5,405 |
| Loan loss allowance to noncurrent loans | 220.8112% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 5,449 |
| Noncurrent loans to loans | 0.5322% | 5,379 |
| Net loans and leases to total assets | 80.2834% | 484 |
| Net loans and leases to deposits | 107.0064% | 216 |
| Net loans and leases to core deposits | 120.5073% | 296 |
| Total domestic deposits to total assets | 75.0268% | 6,514 |
| Equity capital to assets | 14.0063% | 1,153 |
| Core capital (leverage) ratio | 10.3549% | 3,095 |
| Tier 1 risk-based capital ratio | 11.8237% | 6,043 |
| Total risk-based capital ratio | 13.0042% | 6,060 |
| Memoranda: | ||
| Average total assets | $1,000,594,250 | 669 |
| Average earning assets | $908,605,500 | 658 |
| Average equity | $144,494,250 | 500 |
| Average total loans | $745,042,250 | 549 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9124% | 2,057 |
| Cost of funding earning assets | 0.7191% | 3,866 |
| Net interest margin | 4.1933% | 1,772 |
| Noninterest income to average assets | 1.1176% | 1,142 |
| Noninterest expense to average assets | 4.2464% | 691 |
| Loan and lease loss provision to assets | 0.1608% | 3,505 |
| Net operating income to assets | 0.3412% | 5,461 |
| Return on assets (ROA) | 0.3902% | 5,488 |
| Pretax return on assets | 0.5934% | 5,162 |
| Return on Equity (ROE) | 2.6734% | 5,820 |
| Retained earnings to average equity (ytd only) | 2.6734% | 4,846 |
| Net charge-offs to loans | 0.2290% | 3,199 |
| Credit loss provision to net charge-offs | 97.4201% | 2,846 |
| Earnings coverage of net charge-offs (x) | 4.1192% | 3,170 |
| Efficiency ratio | 79.4920% | 2,267 |
| Assets per employee ($millions) | 3.9824% | 3,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 5,062 |
| Loan loss allowance to noncurrent loans | 219.6251% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.4772% | 5,573 |
| Noncurrent loans to loans | 0.5759% | 5,360 |
| Net loans and leases to total assets | 72.6697% | 1,449 |
| Net loans and leases to deposits | 92.4328% | 894 |
| Net loans and leases to core deposits | 105.7784% | 756 |
| Total domestic deposits to total assets | 78.6190% | 6,036 |
| Equity capital to assets | 14.1697% | 1,025 |
| Core capital (leverage) ratio | 10.3525% | 2,981 |
| Tier 1 risk-based capital ratio | 13.2149% | 5,023 |
| Total risk-based capital ratio | 14.4616% | 5,004 |
| Memoranda: | ||
| Average total assets | $986,249,000 | 676 |
| Average earning assets | $895,816,670 | 666 |
| Average equity | $143,934,330 | 498 |
| Average total loans | $710,781,330 | 581 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0385% | 1,760 |
| Cost of funding earning assets | 0.7654% | 3,745 |
| Net interest margin | 4.2732% | 1,549 |
| Noninterest income to average assets | 0.9039% | 1,734 |
| Noninterest expense to average assets | 4.3526% | 627 |
| Loan and lease loss provision to assets | 0.0928% | 4,189 |
| Net operating income to assets | 0.2335% | 5,874 |
| Return on assets (ROA) | 0.2335% | 6,023 |
| Pretax return on assets | 0.3486% | 5,859 |
| Return on Equity (ROE) | 1.5758% | 6,198 |
| Retained earnings to average equity (ytd only) | 1.5758% | 5,449 |
| Net charge-offs to loans | 0.0428% | 4,091 |
| Credit loss provision to net charge-offs | 304.0541% | 970 |
| Earnings coverage of net charge-offs (x) | 14.4595% | 1,469 |
| Efficiency ratio | 83.7794% | 1,711 |
| Assets per employee ($millions) | 4.1915% | 3,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3702% | 4,725 |
| Loan loss allowance to noncurrent loans | 240.4679% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5151% | 5,576 |
| Noncurrent loans to loans | 0.5698% | 5,525 |
| Net loans and leases to total assets | 70.6075% | 1,648 |
| Net loans and leases to deposits | 88.7818% | 1,079 |
| Net loans and leases to core deposits | 101.9266% | 868 |
| Total domestic deposits to total assets | 79.5293% | 5,966 |
| Equity capital to assets | 14.5950% | 835 |
| Core capital (leverage) ratio | 10.5207% | 2,727 |
| Tier 1 risk-based capital ratio | 13.8195% | 4,596 |
| Total risk-based capital ratio | 15.0712% | 4,570 |
| Memoranda: | ||
| Average total assets | $969,622,500 | 683 |
| Average earning assets | $882,717,000 | 681 |
| Average equity | $143,671,500 | 498 |
| Average total loans | $690,992,500 | 598 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4024% | 1,416 |
| Cost of funding earning assets | 0.8922% | 4,177 |
| Net interest margin | 4.5103% | 1,112 |
| Noninterest income to average assets | 1.0589% | 1,197 |
| Noninterest expense to average assets | 4.3750% | 670 |
| Loan and lease loss provision to assets | 0.1149% | 5,163 |
| Net operating income to assets | 0.4938% | 4,453 |
| Return on assets (ROA) | 0.4938% | 4,665 |
| Pretax return on assets | 0.6197% | 4,631 |
| Return on Equity (ROE) | 3.3304% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.3304% | 3,852 |
| Net charge-offs to loans | 0.0133% | 6,247 |
| Credit loss provision to net charge-offs | 1,207.1429% | 174 |
| Earnings coverage of net charge-offs (x) | 77.1667% | 382 |
| Efficiency ratio | 78.3937% | 2,541 |
| Assets per employee ($millions) | 3.8634% | 4,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4052% | 4,432 |
| Loan loss allowance to noncurrent loans | 399.9579% | 841 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 6,109 |
| Noncurrent loans to loans | 0.3513% | 6,023 |
| Net loans and leases to total assets | 69.9326% | 2,046 |
| Net loans and leases to deposits | 88.9623% | 1,272 |
| Net loans and leases to core deposits | 101.9587% | 1,028 |
| Total domestic deposits to total assets | 78.6092% | 6,073 |
| Equity capital to assets | 15.0467% | 770 |
| Core capital (leverage) ratio | 10.5129% | 2,719 |
| Tier 1 risk-based capital ratio | 14.0646% | 4,283 |
| Total risk-based capital ratio | 15.3166% | 4,228 |
| Memoranda: | ||
| Average total assets | $882,340,000 | 743 |
| Average earning assets | $792,437,600 | 746 |
| Average equity | $130,826,400 | 531 |
| Average total loans | $632,453,400 | 650 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4581% | 1,370 |
| Cost of funding earning assets | 0.9218% | 4,263 |
| Net interest margin | 4.5363% | 1,075 |
| Noninterest income to average assets | 1.0765% | 1,158 |
| Noninterest expense to average assets | 4.4479% | 602 |
| Loan and lease loss provision to assets | 0.1067% | 5,105 |
| Net operating income to assets | 0.4500% | 4,779 |
| Return on assets (ROA) | 0.4500% | 4,967 |
| Pretax return on assets | 0.5832% | 4,871 |
| Return on Equity (ROE) | 3.0471% | 5,392 |
| Retained earnings to average equity (ytd only) | 3.0471% | 4,510 |
| Net charge-offs to loans | -0.0296% | 6,973 |
| Credit loss provision to net charge-offs | -501.4493% | 6,673 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2302% | 2,372 |
| Assets per employee ($millions) | 4.0594% | 3,719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4568% | 4,308 |
| Loan loss allowance to noncurrent loans | 297.2521% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4945% | 5,852 |
| Noncurrent loans to loans | 0.4901% | 5,869 |
| Net loans and leases to total assets | 68.4817% | 2,379 |
| Net loans and leases to deposits | 87.1613% | 1,535 |
| Net loans and leases to core deposits | 101.0871% | 1,154 |
| Total domestic deposits to total assets | 78.5689% | 6,083 |
| Equity capital to assets | 15.2540% | 782 |
| Core capital (leverage) ratio | 10.8558% | 2,515 |
| Tier 1 risk-based capital ratio | 14.5766% | 3,927 |
| Total risk-based capital ratio | 15.8295% | 3,896 |
| Memoranda: | ||
| Average total assets | $864,362,000 | 762 |
| Average earning assets | $773,856,000 | 771 |
| Average equity | $127,637,250 | 551 |
| Average total loans | $621,355,750 | 675 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5125% | 1,273 |
| Cost of funding earning assets | 0.9250% | 4,488 |
| Net interest margin | 4.5875% | 930 |
| Noninterest income to average assets | 0.9762% | 1,388 |
| Noninterest expense to average assets | 4.5888% | 540 |
| Loan and lease loss provision to assets | 0.0900% | 5,191 |
| Net operating income to assets | 0.2578% | 5,528 |
| Return on assets (ROA) | 0.2578% | 5,651 |
| Pretax return on assets | 0.3871% | 5,432 |
| Return on Equity (ROE) | 1.7671% | 5,874 |
| Retained earnings to average equity (ytd only) | 1.7671% | 5,113 |
| Net charge-offs to loans | -0.0564% | 7,049 |
| Credit loss provision to net charge-offs | -219.0751% | 6,398 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9452% | 1,965 |
| Assets per employee ($millions) | 3.8283% | 4,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5021% | 4,117 |
| Loan loss allowance to noncurrent loans | 946.4249% | 391 |
| Noncurrent assets plus other real estate owned to assets | 0.2994% | 6,384 |
| Noncurrent loans to loans | 0.1587% | 6,585 |
| Net loans and leases to total assets | 68.6144% | 2,493 |
| Net loans and leases to deposits | 86.4734% | 1,723 |
| Net loans and leases to core deposits | 101.2235% | 1,237 |
| Total domestic deposits to total assets | 79.3474% | 5,994 |
| Equity capital to assets | 14.2385% | 1,018 |
| Core capital (leverage) ratio | 9.2742% | 4,285 |
| Tier 1 risk-based capital ratio | 12.7052% | 5,171 |
| Total risk-based capital ratio | 13.9589% | 5,140 |
| Memoranda: | ||
| Average total assets | $842,614,330 | 792 |
| Average earning assets | $751,167,330 | 809 |
| Average equity | $122,915,670 | 569 |
| Average total loans | $613,134,330 | 696 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5766% | 1,104 |
| Cost of funding earning assets | 0.9499% | 4,565 |
| Net interest margin | 4.6267% | 821 |
| Noninterest income to average assets | 0.9421% | 1,499 |
| Noninterest expense to average assets | 4.7512% | 452 |
| Loan and lease loss provision to assets | 0.0556% | 5,310 |
| Net operating income to assets | 0.1639% | 5,905 |
| Return on assets (ROA) | 0.1639% | 5,954 |
| Pretax return on assets | 0.2509% | 5,806 |
| Return on Equity (ROE) | 1.1094% | 6,099 |
| Retained earnings to average equity (ytd only) | 1.1094% | 5,379 |
| Net charge-offs to loans | -0.2202% | 7,277 |
| Credit loss provision to net charge-offs | -33.9233% | 5,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1512% | 1,702 |
| Assets per employee ($millions) | 3.5580% | 4,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5073% | 4,172 |
| Loan loss allowance to noncurrent loans | 711.4173% | 494 |
| Noncurrent assets plus other real estate owned to assets | 0.3223% | 6,387 |
| Noncurrent loans to loans | 0.2119% | 6,547 |
| Net loans and leases to total assets | 71.2146% | 1,880 |
| Net loans and leases to deposits | 90.6994% | 1,158 |
| Net loans and leases to core deposits | 107.3317% | 877 |
| Total domestic deposits to total assets | 78.5172% | 6,295 |
| Equity capital to assets | 14.8152% | 809 |
| Core capital (leverage) ratio | 9.5856% | 3,675 |
| Tier 1 risk-based capital ratio | 12.9226% | 4,880 |
| Total risk-based capital ratio | 14.1766% | 4,867 |
| Memoranda: | ||
| Average total assets | $827,495,500 | 812 |
| Average earning assets | $736,069,500 | 826 |
| Average equity | $122,233,000 | 569 |
| Average total loans | $615,684,000 | 698 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9333% | 979 |
| Cost of funding earning assets | 1.0840% | 5,228 |
| Net interest margin | 4.8494% | 607 |
| Noninterest income to average assets | 0.9801% | 1,570 |
| Noninterest expense to average assets | 4.8981% | 455 |
| Loan and lease loss provision to assets | 0.3052% | 4,361 |
| Net operating income to assets | 0.0917% | 5,607 |
| Return on assets (ROA) | 0.1486% | 5,602 |
| Pretax return on assets | 0.1142% | 5,675 |
| Return on Equity (ROE) | 0.9943% | 5,695 |
| Retained earnings to average equity (ytd only) | 0.9943% | 5,041 |
| Net charge-offs to loans | 0.3294% | 4,358 |
| Credit loss provision to net charge-offs | 124.1206% | 3,325 |
| Earnings coverage of net charge-offs (x) | 1.4739% | 4,651 |
| Efficiency ratio | 85.4549% | 1,752 |
| Assets per employee ($millions) | 3.3441% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 4,704 |
| Loan loss allowance to noncurrent loans | 1,637.5954% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.2596% | 6,600 |
| Noncurrent loans to loans | 0.0829% | 6,926 |
| Net loans and leases to total assets | 75.4709% | 1,388 |
| Net loans and leases to deposits | 99.1210% | 631 |
| Net loans and leases to core deposits | 115.7117% | 655 |
| Total domestic deposits to total assets | 76.1402% | 6,620 |
| Equity capital to assets | 14.7275% | 852 |
| Core capital (leverage) ratio | 9.2468% | 4,095 |
| Tier 1 risk-based capital ratio | 12.1977% | 5,296 |
| Total risk-based capital ratio | 13.4501% | 5,269 |
| Memoranda: | ||
| Average total assets | $809,400,200 | 838 |
| Average earning assets | $714,422,400 | 856 |
| Average equity | $120,984,200 | 562 |
| Average total loans | $604,048,200 | 736 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9734% | 986 |
| Cost of funding earning assets | 1.1071% | 5,387 |
| Net interest margin | 4.8664% | 589 |
| Noninterest income to average assets | 0.8254% | 2,101 |
| Noninterest expense to average assets | 4.7513% | 466 |
| Loan and lease loss provision to assets | 0.3823% | 3,596 |
| Net operating income to assets | 0.0315% | 5,926 |
| Return on assets (ROA) | 0.1078% | 5,905 |
| Pretax return on assets | 0.0565% | 5,990 |
| Return on Equity (ROE) | 0.7184% | 5,964 |
| Retained earnings to average equity (ytd only) | 0.7184% | 5,514 |
| Net charge-offs to loans | 0.4062% | 3,666 |
| Credit loss provision to net charge-offs | 126.9379% | 3,213 |
| Earnings coverage of net charge-offs (x) | 1.2034% | 4,860 |
| Efficiency ratio | 84.9960% | 1,731 |
| Assets per employee ($millions) | 3.5193% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 4,577 |
| Loan loss allowance to noncurrent loans | 140.8130% | 2,005 |
| Noncurrent assets plus other real estate owned to assets | 0.8385% | 5,414 |
| Noncurrent loans to loans | 0.9797% | 5,275 |
| Net loans and leases to total assets | 73.6336% | 1,881 |
| Net loans and leases to deposits | 95.2290% | 1,083 |
| Net loans and leases to core deposits | 114.8418% | 802 |
| Total domestic deposits to total assets | 77.3227% | 6,412 |
| Equity capital to assets | 14.8037% | 944 |
| Core capital (leverage) ratio | 9.3421% | 4,142 |
| Tier 1 risk-based capital ratio | 12.2476% | 5,221 |
| Total risk-based capital ratio | 13.5003% | 5,188 |
| Memoranda: | ||
| Average total assets | $805,254,500 | 843 |
| Average earning assets | $709,614,250 | 866 |
| Average equity | $120,818,500 | 557 |
| Average total loans | $597,070,750 | 747 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0210% | 900 |
| Cost of funding earning assets | 1.1239% | 5,557 |
| Net interest margin | 4.8971% | 542 |
| Noninterest income to average assets | 0.7051% | 2,675 |
| Noninterest expense to average assets | 4.7068% | 470 |
| Loan and lease loss provision to assets | 0.3831% | 3,419 |
| Net operating income to assets | -0.0292% | 6,116 |
| Return on assets (ROA) | 0.0867% | 6,009 |
| Pretax return on assets | 0.0344% | 6,094 |
| Return on Equity (ROE) | 0.5753% | 6,068 |
| Retained earnings to average equity (ytd only) | 0.5753% | 5,534 |
| Net charge-offs to loans | 0.4064% | 3,362 |
| Credit loss provision to net charge-offs | 127.4247% | 3,156 |
| Earnings coverage of net charge-offs (x) | 1.0033% | 4,783 |
| Efficiency ratio | 85.7967% | 1,737 |
| Assets per employee ($millions) | 3.4945% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3852% | 4,497 |
| Loan loss allowance to noncurrent loans | 273.4912% | 1,040 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 6,111 |
| Noncurrent loans to loans | 0.5065% | 6,242 |
| Net loans and leases to total assets | 73.6985% | 1,981 |
| Net loans and leases to deposits | 96.9197% | 964 |
| Net loans and leases to core deposits | 122.3309% | 614 |
| Total domestic deposits to total assets | 76.0407% | 6,685 |
| Equity capital to assets | 15.0456% | 872 |
| Core capital (leverage) ratio | 9.4623% | 3,875 |
| Tier 1 risk-based capital ratio | 12.2348% | 5,091 |
| Total risk-based capital ratio | 13.4872% | 5,062 |
| Memoranda: | ||
| Average total assets | $795,651,670 | 857 |
| Average earning assets | $699,185,000 | 882 |
| Average equity | $119,934,000 | 557 |
| Average total loans | $588,513,670 | 764 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9008% | 1,201 |
| Cost of funding earning assets | 1.1306% | 5,755 |
| Net interest margin | 4.7702% | 684 |
| Noninterest income to average assets | 0.7137% | 2,507 |
| Noninterest expense to average assets | 4.6110% | 510 |
| Loan and lease loss provision to assets | 0.4644% | 2,644 |
| Net operating income to assets | -0.0595% | 6,384 |
| Return on assets (ROA) | -0.0595% | 6,467 |
| Pretax return on assets | -0.1791% | 6,537 |
| Return on Equity (ROE) | -0.3944% | 6,456 |
| Retained earnings to average equity (ytd only) | -0.3944% | 5,921 |
| Net charge-offs to loans | 0.4335% | 2,750 |
| Credit loss provision to net charge-offs | 145.6140% | 2,442 |
| Earnings coverage of net charge-offs (x) | 0.8947% | 4,245 |
| Efficiency ratio | 85.7054% | 1,826 |
| Assets per employee ($millions) | 3.5834% | 4,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 4,245 |
| Loan loss allowance to noncurrent loans | 168.5490% | 1,655 |
| Noncurrent assets plus other real estate owned to assets | 0.8632% | 5,431 |
| Noncurrent loans to loans | 0.8504% | 5,610 |
| Net loans and leases to total assets | 72.1754% | 2,410 |
| Net loans and leases to deposits | 98.2299% | 890 |
| Net loans and leases to core deposits | 126.0515% | 580 |
| Total domestic deposits to total assets | 73.4760% | 7,108 |
| Equity capital to assets | 15.2227% | 831 |
| Core capital (leverage) ratio | 9.5265% | 3,729 |
| Tier 1 risk-based capital ratio | 12.3129% | 4,890 |
| Total risk-based capital ratio | 13.5657% | 4,851 |
| Memoranda: | ||
| Average total assets | $786,372,000 | 883 |
| Average earning assets | $689,531,500 | 917 |
| Average equity | $118,649,500 | 566 |
| Average total loans | $578,525,500 | 804 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4146% | 805 |
| Cost of funding earning assets | 1.3416% | 6,171 |
| Net interest margin | 5.0730% | 391 |
| Noninterest income to average assets | 0.5690% | 3,871 |
| Noninterest expense to average assets | 4.9062% | 562 |
| Loan and lease loss provision to assets | 0.7045% | 3,005 |
| Net operating income to assets | -0.6616% | 6,323 |
| Return on assets (ROA) | -0.1058% | 5,693 |
| Pretax return on assets | -0.0936% | 5,591 |
| Return on Equity (ROE) | -0.6642% | 5,648 |
| Retained earnings to average equity (ytd only) | -0.6642% | 5,161 |
| Net charge-offs to loans | 0.3645% | 4,401 |
| Credit loss provision to net charge-offs | 273.8729% | 1,255 |
| Earnings coverage of net charge-offs (x) | 0.2140% | 5,919 |
| Efficiency ratio | 89.7091% | 1,727 |
| Assets per employee ($millions) | 3.5007% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 4,140 |
| Loan loss allowance to noncurrent loans | 143.9410% | 1,984 |
| Noncurrent assets plus other real estate owned to assets | 0.7655% | 5,569 |
| Noncurrent loans to loans | 0.9841% | 5,350 |
| Net loans and leases to total assets | 72.8771% | 2,538 |
| Net loans and leases to deposits | 98.1261% | 1,088 |
| Net loans and leases to core deposits | 138.6215% | 856 |
| Total domestic deposits to total assets | 74.2688% | 6,980 |
| Equity capital to assets | 14.9493% | 924 |
| Core capital (leverage) ratio | 8.9497% | 4,508 |
| Tier 1 risk-based capital ratio | 11.4958% | 5,394 |
| Total risk-based capital ratio | 12.7485% | 5,357 |
| Memoranda: | ||
| Average total assets | $715,685,000 | 952 |
| Average earning assets | $619,649,200 | 1,007 |
| Average equity | $113,968,800 | 575 |
| Average total loans | $505,063,800 | 945 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5464% | 680 |
| Cost of funding earning assets | 1.3994% | 6,236 |
| Net interest margin | 5.1470% | 331 |
| Noninterest income to average assets | 0.5547% | 4,043 |
| Noninterest expense to average assets | 4.9937% | 490 |
| Loan and lease loss provision to assets | 0.4035% | 3,898 |
| Net operating income to assets | -0.2833% | 6,177 |
| Return on assets (ROA) | 0.0742% | 5,584 |
| Pretax return on assets | 0.1592% | 5,388 |
| Return on Equity (ROE) | 0.4580% | 5,648 |
| Retained earnings to average equity (ytd only) | 0.4580% | 5,011 |
| Net charge-offs to loans | 0.0683% | 6,006 |
| Credit loss provision to net charge-offs | 848.8000% | 449 |
| Earnings coverage of net charge-offs (x) | 0.0880% | 5,958 |
| Efficiency ratio | 90.6141% | 1,632 |
| Assets per employee ($millions) | 3.3182% | 5,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 4,736 |
| Loan loss allowance to noncurrent loans | 1,021.4178% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 6,542 |
| Noncurrent loans to loans | 0.1236% | 7,167 |
| Net loans and leases to total assets | 72.5507% | 2,904 |
| Net loans and leases to deposits | 94.9113% | 1,730 |
| Net loans and leases to core deposits | 133.8222% | 1,223 |
| Total domestic deposits to total assets | 76.4406% | 6,486 |
| Equity capital to assets | 16.0451% | 785 |
| Core capital (leverage) ratio | 9.3684% | 4,091 |
| Tier 1 risk-based capital ratio | 12.3578% | 4,662 |
| Total risk-based capital ratio | 13.6085% | 4,606 |
| Memoranda: | ||
| Average total assets | $701,192,250 | 988 |
| Average earning assets | $605,305,250 | 1,047 |
| Average equity | $113,547,000 | 586 |
| Average total loans | $488,350,000 | 1,002 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6383% | 617 |
| Cost of funding earning assets | 1.4547% | 6,310 |
| Net interest margin | 5.1836% | 306 |
| Noninterest income to average assets | 0.6235% | 3,508 |
| Noninterest expense to average assets | 5.1062% | 477 |
| Loan and lease loss provision to assets | 0.4994% | 3,039 |
| Net operating income to assets | -0.3420% | 6,381 |
| Return on assets (ROA) | 0.2016% | 5,339 |
| Pretax return on assets | 0.3250% | 5,147 |
| Return on Equity (ROE) | 1.2407% | 5,558 |
| Retained earnings to average equity (ytd only) | 1.2407% | 4,656 |
| Net charge-offs to loans | 0.0944% | 5,233 |
| Credit loss provision to net charge-offs | 774.4395% | 606 |
| Earnings coverage of net charge-offs (x) | -0.3857% | 6,014 |
| Efficiency ratio | 91.2128% | 1,708 |
| Assets per employee ($millions) | 3.3100% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 4,697 |
| Loan loss allowance to noncurrent loans | 261.1746% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5652% | 6,009 |
| Noncurrent loans to loans | 0.4733% | 6,340 |
| Net loans and leases to total assets | 70.2715% | 3,634 |
| Net loans and leases to deposits | 98.9236% | 1,400 |
| Net loans and leases to core deposits | 135.7885% | 1,225 |
| Total domestic deposits to total assets | 71.0361% | 7,360 |
| Equity capital to assets | 16.0094% | 822 |
| Core capital (leverage) ratio | 9.5690% | 3,788 |
| Tier 1 risk-based capital ratio | 12.4502% | 4,557 |
| Total risk-based capital ratio | 13.7003% | 4,482 |
| Memoranda: | ||
| Average total assets | $691,588,000 | 1,018 |
| Average earning assets | $594,758,000 | 1,088 |
| Average equity | $112,352,670 | 599 |
| Average total loans | $472,334,670 | 1,056 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5815% | 741 |
| Cost of funding earning assets | 1.5810% | 6,111 |
| Net interest margin | 5.0005% | 400 |
| Noninterest income to average assets | 0.8561% | 2,053 |
| Noninterest expense to average assets | 4.8200% | 549 |
| Loan and lease loss provision to assets | 0.8383% | 1,549 |
| Net operating income to assets | -0.3900% | 6,773 |
| Return on assets (ROA) | 0.3434% | 5,284 |
| Pretax return on assets | 0.4717% | 5,168 |
| Return on Equity (ROE) | 2.0973% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.0973% | 4,701 |
| Net charge-offs to loans | 0.0507% | 4,760 |
| Credit loss provision to net charge-offs | 2,475.4386% | 271 |
| Earnings coverage of net charge-offs (x) | 9.0175% | 2,117 |
| Efficiency ratio | 84.5949% | 2,241 |
| Assets per employee ($millions) | 3.3008% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 3,947 |
| Loan loss allowance to noncurrent loans | 136.5800% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9028% | 4,926 |
| Noncurrent loans to loans | 0.9682% | 5,059 |
| Net loans and leases to total assets | 67.3232% | 4,286 |
| Net loans and leases to deposits | 93.9870% | 2,266 |
| Net loans and leases to core deposits | 118.8879% | 2,515 |
| Total domestic deposits to total assets | 71.6304% | 7,263 |
| Equity capital to assets | 16.9115% | 735 |
| Core capital (leverage) ratio | 9.9027% | 3,515 |
| Tier 1 risk-based capital ratio | 12.8894% | 4,260 |
| Total risk-based capital ratio | 14.1399% | 4,184 |
| Memoranda: | ||
| Average total assets | $673,283,500 | 1,043 |
| Average earning assets | $574,822,500 | 1,137 |
| Average equity | $110,239,000 | 611 |
| Average total loans | $449,442,500 | 1,119 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9115% | 1,366 |
| Cost of funding earning assets | 2.0606% | 6,194 |
| Net interest margin | 4.8509% | 706 |
| Noninterest income to average assets | 0.7724% | 2,653 |
| Noninterest expense to average assets | 5.1604% | 588 |
| Loan and lease loss provision to assets | 0.5472% | 2,631 |
| Net operating income to assets | -0.6402% | 7,032 |
| Return on assets (ROA) | -0.6043% | 6,900 |
| Pretax return on assets | -0.8846% | 6,931 |
| Return on Equity (ROE) | -3.6257% | 6,696 |
| Retained earnings to average equity (ytd only) | -3.6257% | 6,247 |
| Net charge-offs to loans | 0.2068% | 4,137 |
| Credit loss provision to net charge-offs | 455.2786% | 963 |
| Earnings coverage of net charge-offs (x) | -3.2478% | 6,776 |
| Efficiency ratio | 96.1357% | 1,144 |
| Assets per employee ($millions) | 3.1718% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1503% | 4,915 |
| Loan loss allowance to noncurrent loans | 158.2176% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 0.7629% | 4,934 |
| Noncurrent loans to loans | 0.7271% | 5,213 |
| Net loans and leases to total assets | 64.4427% | 5,183 |
| Net loans and leases to deposits | 93.3036% | 2,900 |
| Net loans and leases to core deposits | 108.4102% | 3,921 |
| Total domestic deposits to total assets | 69.0678% | 7,378 |
| Equity capital to assets | 15.8024% | 977 |
| Core capital (leverage) ratio | 8.1017% | 6,323 |
| Tier 1 risk-based capital ratio | 10.5385% | 6,168 |
| Total risk-based capital ratio | 11.6247% | 6,216 |
| Memoranda: | ||
| Average total assets | $567,458,800 | 1,185 |
| Average earning assets | $467,640,800 | 1,329 |
| Average equity | $94,574,200 | 708 |
| Average total loans | $329,802,200 | 1,472 |