Home > Southwest Securities , FSB > Performance and Condition Ratios
Southwest Securities , FSB, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1172% | 5,934 |
| Cost of funding earning assets | 0.1941% | 5,796 |
| Net interest margin | 2.9231% | 5,595 |
| Noninterest income to average assets | -0.1384% | 6,465 |
| Noninterest expense to average assets | 2.5405% | 4,421 |
| Loan and lease loss provision to assets | -0.1804% | 6,271 |
| Net operating income to assets | 0.2181% | 5,733 |
| Return on assets (ROA) | 0.2623% | 5,686 |
| Pretax return on assets | 0.3820% | 5,530 |
| Return on Equity (ROE) | 1.8931% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.8931% | 4,859 |
| Net charge-offs to loans | -0.0808% | 6,063 |
| Credit loss provision to net charge-offs | 459.9589% | 574 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8674% | 553 |
| Assets per employee ($millions) | 8.8971% | 355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 3,855 |
| Loan loss allowance to noncurrent loans | 75.8128% | 4,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4157% | 1,951 |
| Noncurrent loans to loans | 1.6163% | 1,812 |
| Net loans and leases to total assets | 52.0277% | 4,777 |
| Net loans and leases to deposits | 66.1084% | 4,312 |
| Net loans and leases to core deposits | 66.2448% | 4,653 |
| Total domestic deposits to total assets | 78.7006% | 5,309 |
| Equity capital to assets | 14.6458% | 774 |
| Core capital (leverage) ratio | 15.1084% | 589 |
| Tier 1 risk-based capital ratio | 26.0798% | 758 |
| Total risk-based capital ratio | 27.2114% | 749 |
| Memoranda: | ||
| Average total assets | $1,241,931,400 | 543 |
| Average earning assets | $1,196,556,600 | 514 |
| Average equity | $172,100,400 | 460 |
| Average total loans | $602,373,000 | 731 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1073% | 6,022 |
| Cost of funding earning assets | 0.2010% | 5,817 |
| Net interest margin | 2.9063% | 5,687 |
| Noninterest income to average assets | -0.0869% | 6,523 |
| Noninterest expense to average assets | 2.5611% | 4,315 |
| Loan and lease loss provision to assets | -0.2381% | 6,414 |
| Net operating income to assets | 0.2649% | 5,696 |
| Return on assets (ROA) | 0.3233% | 5,586 |
| Pretax return on assets | 0.4692% | 5,409 |
| Return on Equity (ROE) | 2.3653% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.3653% | 4,873 |
| Net charge-offs to loans | -0.0924% | 6,112 |
| Credit loss provision to net charge-offs | 542.3729% | 537 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5941% | 564 |
| Assets per employee ($millions) | 8.8391% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1586% | 4,451 |
| Loan loss allowance to noncurrent loans | 50.9323% | 5,121 |
| Noncurrent assets plus other real estate owned to assets | 1.5722% | 1,945 |
| Noncurrent loans to loans | 2.2747% | 1,321 |
| Net loans and leases to total assets | 52.9186% | 4,709 |
| Net loans and leases to deposits | 66.9032% | 4,243 |
| Net loans and leases to core deposits | 67.1023% | 4,595 |
| Total domestic deposits to total assets | 79.0973% | 5,308 |
| Equity capital to assets | 14.1795% | 946 |
| Core capital (leverage) ratio | 14.5905% | 704 |
| Tier 1 risk-based capital ratio | 24.5758% | 923 |
| Total risk-based capital ratio | 25.6213% | 925 |
| Memoranda: | ||
| Average total assets | $1,254,362,000 | 535 |
| Average earning assets | $1,206,082,250 | 512 |
| Average equity | $171,473,250 | 453 |
| Average total loans | $595,972,750 | 738 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0842% | 6,078 |
| Cost of funding earning assets | 0.2114% | 5,816 |
| Net interest margin | 2.8728% | 5,782 |
| Noninterest income to average assets | -0.1446% | 6,611 |
| Noninterest expense to average assets | 2.6413% | 4,092 |
| Loan and lease loss provision to assets | -0.3278% | 6,539 |
| Net operating income to assets | 0.2200% | 5,779 |
| Return on assets (ROA) | 0.3128% | 5,599 |
| Pretax return on assets | 0.4174% | 5,505 |
| Return on Equity (ROE) | 2.3159% | 5,757 |
| Retained earnings to average equity (ytd only) | 2.3159% | 4,724 |
| Net charge-offs to loans | -0.1960% | 6,338 |
| Credit loss provision to net charge-offs | 367.0213% | 740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3059% | 371 |
| Assets per employee ($millions) | 8.6877% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2762% | 3,989 |
| Loan loss allowance to noncurrent loans | 55.5851% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 1.5212% | 2,140 |
| Noncurrent loans to loans | 2.2960% | 1,414 |
| Net loans and leases to total assets | 48.7696% | 5,110 |
| Net loans and leases to deposits | 61.3989% | 4,745 |
| Net loans and leases to core deposits | 61.5762% | 5,004 |
| Total domestic deposits to total assets | 79.4307% | 5,359 |
| Equity capital to assets | 13.8211% | 1,043 |
| Core capital (leverage) ratio | 14.1151% | 800 |
| Tier 1 risk-based capital ratio | 24.4818% | 935 |
| Total risk-based capital ratio | 25.5764% | 926 |
| Memoranda: | ||
| Average total assets | $1,262,939,330 | 533 |
| Average earning assets | $1,209,765,670 | 513 |
| Average equity | $170,559,670 | 451 |
| Average total loans | $575,365,330 | 760 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0291% | 6,213 |
| Cost of funding earning assets | 0.2291% | 5,760 |
| Net interest margin | 2.8000% | 5,933 |
| Noninterest income to average assets | -0.2334% | 6,691 |
| Noninterest expense to average assets | 2.7055% | 3,916 |
| Loan and lease loss provision to assets | -0.4991% | 6,663 |
| Net operating income to assets | 0.1969% | 5,811 |
| Return on assets (ROA) | 0.3176% | 5,483 |
| Pretax return on assets | 0.4033% | 5,446 |
| Return on Equity (ROE) | 2.3793% | 5,681 |
| Retained earnings to average equity (ytd only) | 2.3793% | 4,649 |
| Net charge-offs to loans | -0.1609% | 6,314 |
| Credit loss provision to net charge-offs | 710.8108% | 407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.1197% | 265 |
| Assets per employee ($millions) | 8.0013% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4293% | 3,466 |
| Loan loss allowance to noncurrent loans | 56.3863% | 4,970 |
| Noncurrent assets plus other real estate owned to assets | 1.6003% | 2,199 |
| Noncurrent loans to loans | 2.5349% | 1,361 |
| Net loans and leases to total assets | 44.1416% | 5,495 |
| Net loans and leases to deposits | 56.0353% | 5,115 |
| Net loans and leases to core deposits | 56.1439% | 5,343 |
| Total domestic deposits to total assets | 78.7747% | 5,720 |
| Equity capital to assets | 13.4723% | 1,107 |
| Core capital (leverage) ratio | 13.9670% | 830 |
| Tier 1 risk-based capital ratio | 26.1721% | 778 |
| Total risk-based capital ratio | 27.3730% | 769 |
| Memoranda: | ||
| Average total assets | $1,264,553,500 | 537 |
| Average earning assets | $1,215,021,500 | 513 |
| Average equity | $168,786,500 | 456 |
| Average total loans | $551,899,000 | 794 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2305% | 6,102 |
| Cost of funding earning assets | 0.2448% | 6,001 |
| Net interest margin | 2.9857% | 5,608 |
| Noninterest income to average assets | 0.2251% | 5,726 |
| Noninterest expense to average assets | 2.9268% | 3,286 |
| Loan and lease loss provision to assets | -0.7509% | 6,781 |
| Net operating income to assets | 0.5986% | 4,264 |
| Return on assets (ROA) | 0.5995% | 4,378 |
| Pretax return on assets | 0.9135% | 3,708 |
| Return on Equity (ROE) | 4.5157% | 4,884 |
| Retained earnings to average equity (ytd only) | 4.5157% | 2,961 |
| Net charge-offs to loans | -0.0582% | 6,361 |
| Credit loss provision to net charge-offs | 2,576.8194% | 90 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7805% | 710 |
| Assets per employee ($millions) | 7.9056% | 492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7572% | 2,206 |
| Loan loss allowance to noncurrent loans | 59.0980% | 4,899 |
| Noncurrent assets plus other real estate owned to assets | 1.8454% | 1,980 |
| Noncurrent loans to loans | 2.9734% | 1,155 |
| Net loans and leases to total assets | 41.7596% | 5,840 |
| Net loans and leases to deposits | 53.0888% | 5,543 |
| Net loans and leases to core deposits | 53.1918% | 5,723 |
| Total domestic deposits to total assets | 78.6598% | 5,717 |
| Equity capital to assets | 13.2228% | 1,174 |
| Core capital (leverage) ratio | 13.8832% | 858 |
| Tier 1 risk-based capital ratio | 26.1782% | 760 |
| Total risk-based capital ratio | 27.4302% | 737 |
| Memoranda: | ||
| Average total assets | $1,273,121,800 | 519 |
| Average earning assets | $1,220,760,000 | 491 |
| Average equity | $169,031,600 | 440 |
| Average total loans | $636,915,200 | 657 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2580% | 6,119 |
| Cost of funding earning assets | 0.2455% | 6,119 |
| Net interest margin | 3.0125% | 5,562 |
| Noninterest income to average assets | 0.1311% | 6,364 |
| Noninterest expense to average assets | 2.9750% | 3,066 |
| Loan and lease loss provision to assets | -0.7042% | 6,854 |
| Net operating income to assets | 0.4923% | 4,831 |
| Return on assets (ROA) | 0.4935% | 4,986 |
| Pretax return on assets | 0.7459% | 4,500 |
| Return on Equity (ROE) | 3.7133% | 5,351 |
| Retained earnings to average equity (ytd only) | 3.7133% | 4,053 |
| Net charge-offs to loans | -0.0613% | 6,374 |
| Credit loss provision to net charge-offs | 2,215.4605% | 148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6786% | 510 |
| Assets per employee ($millions) | 7.5361% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2543% | 1,246 |
| Loan loss allowance to noncurrent loans | 61.9185% | 4,748 |
| Noncurrent assets plus other real estate owned to assets | 2.0089% | 2,004 |
| Noncurrent loans to loans | 3.6407% | 1,020 |
| Net loans and leases to total assets | 41.8037% | 5,916 |
| Net loans and leases to deposits | 53.5033% | 5,580 |
| Net loans and leases to core deposits | 53.6076% | 5,796 |
| Total domestic deposits to total assets | 78.1329% | 5,880 |
| Equity capital to assets | 13.2439% | 1,222 |
| Core capital (leverage) ratio | 13.6116% | 977 |
| Tier 1 risk-based capital ratio | 26.0185% | 784 |
| Total risk-based capital ratio | 27.2759% | 770 |
| Memoranda: | ||
| Average total assets | $1,275,177,000 | 519 |
| Average earning assets | $1,220,673,250 | 495 |
| Average equity | $169,475,750 | 444 |
| Average total loans | $661,727,750 | 637 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3219% | 6,052 |
| Cost of funding earning assets | 0.2436% | 6,222 |
| Net interest margin | 3.0783% | 5,339 |
| Noninterest income to average assets | 0.1865% | 6,092 |
| Noninterest expense to average assets | 3.0458% | 2,856 |
| Loan and lease loss provision to assets | -0.9809% | 6,917 |
| Net operating income to assets | 0.6938% | 3,834 |
| Return on assets (ROA) | 0.6957% | 3,996 |
| Pretax return on assets | 1.0626% | 3,253 |
| Return on Equity (ROE) | 5.2283% | 4,600 |
| Retained earnings to average equity (ytd only) | 5.2283% | 2,905 |
| Net charge-offs to loans | 0.0071% | 4,744 |
| Credit loss provision to net charge-offs | -25,076.0000% | 6,302 |
| Earnings coverage of net charge-offs (x) | 20.1600% | 1,473 |
| Efficiency ratio | 97.4762% | 595 |
| Assets per employee ($millions) | 6.7984% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9878% | 1,882 |
| Loan loss allowance to noncurrent loans | 55.1051% | 5,000 |
| Noncurrent assets plus other real estate owned to assets | 2.5615% | 1,638 |
| Noncurrent loans to loans | 3.6074% | 1,148 |
| Net loans and leases to total assets | 47.8708% | 5,340 |
| Net loans and leases to deposits | 61.2337% | 4,832 |
| Net loans and leases to core deposits | 61.3524% | 5,149 |
| Total domestic deposits to total assets | 78.1773% | 5,949 |
| Equity capital to assets | 13.2286% | 1,245 |
| Core capital (leverage) ratio | 13.5973% | 940 |
| Tier 1 risk-based capital ratio | 23.5194% | 1,059 |
| Total risk-based capital ratio | 24.7737% | 1,038 |
| Memoranda: | ||
| Average total assets | $1,278,216,330 | 515 |
| Average earning assets | $1,220,034,670 | 494 |
| Average equity | $170,076,000 | 444 |
| Average total loans | $701,815,330 | 595 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3485% | 6,044 |
| Cost of funding earning assets | 0.2393% | 6,355 |
| Net interest margin | 3.1093% | 5,227 |
| Noninterest income to average assets | 0.1629% | 6,283 |
| Noninterest expense to average assets | 3.0136% | 2,943 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0718% | 6,202 |
| Return on assets (ROA) | 0.0718% | 6,290 |
| Pretax return on assets | 0.1061% | 6,251 |
| Return on Equity (ROE) | 0.5379% | 6,321 |
| Retained earnings to average equity (ytd only) | 0.5379% | 5,610 |
| Net charge-offs to loans | -0.0695% | 6,273 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5986% | 700 |
| Assets per employee ($millions) | 6.5230% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8403% | 784 |
| Loan loss allowance to noncurrent loans | 96.9919% | 3,444 |
| Noncurrent assets plus other real estate owned to assets | 3.3666% | 1,287 |
| Noncurrent loans to loans | 2.9284% | 1,715 |
| Net loans and leases to total assets | 50.2098% | 4,965 |
| Net loans and leases to deposits | 61.3501% | 4,638 |
| Net loans and leases to core deposits | 61.4863% | 5,002 |
| Total domestic deposits to total assets | 81.8414% | 5,254 |
| Equity capital to assets | 13.3572% | 1,267 |
| Core capital (leverage) ratio | 13.0625% | 1,093 |
| Tier 1 risk-based capital ratio | 21.9908% | 1,333 |
| Total risk-based capital ratio | 23.2560% | 1,301 |
| Memoranda: | ||
| Average total assets | $1,281,673,500 | 517 |
| Average earning assets | $1,218,805,000 | 495 |
| Average equity | $171,026,000 | 446 |
| Average total loans | $742,260,000 | 567 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8880% | 5,607 |
| Cost of funding earning assets | 0.3106% | 6,403 |
| Net interest margin | 3.5773% | 4,196 |
| Noninterest income to average assets | 0.0978% | 6,517 |
| Noninterest expense to average assets | 3.2793% | 2,400 |
| Loan and lease loss provision to assets | -0.1105% | 6,929 |
| Net operating income to assets | 0.1989% | 5,788 |
| Return on assets (ROA) | 0.2311% | 5,894 |
| Pretax return on assets | 0.3613% | 5,678 |
| Return on Equity (ROE) | 1.7953% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.7953% | 4,957 |
| Net charge-offs to loans | 1.4826% | 608 |
| Credit loss provision to net charge-offs | -11.1333% | 6,218 |
| Earnings coverage of net charge-offs (x) | 0.2019% | 5,376 |
| Efficiency ratio | 94.2384% | 787 |
| Assets per employee ($millions) | 6.5890% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2623% | 1,434 |
| Loan loss allowance to noncurrent loans | 93.1710% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 3.8467% | 1,140 |
| Noncurrent loans to loans | 2.4281% | 2,188 |
| Net loans and leases to total assets | 62.6677% | 3,130 |
| Net loans and leases to deposits | 76.9300% | 2,668 |
| Net loans and leases to core deposits | 77.0823% | 3,390 |
| Total domestic deposits to total assets | 81.4607% | 5,266 |
| Equity capital to assets | 13.3308% | 1,296 |
| Core capital (leverage) ratio | 12.9682% | 1,121 |
| Tier 1 risk-based capital ratio | 18.0297% | 2,250 |
| Total risk-based capital ratio | 19.2864% | 2,224 |
| Memoranda: | ||
| Average total assets | $1,311,784,000 | 509 |
| Average earning assets | $1,240,136,800 | 485 |
| Average equity | $168,828,800 | 441 |
| Average total loans | $878,475,200 | 465 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8894% | 5,813 |
| Cost of funding earning assets | 0.3260% | 6,484 |
| Net interest margin | 3.5634% | 4,382 |
| Noninterest income to average assets | 0.1047% | 6,602 |
| Noninterest expense to average assets | 3.2622% | 2,380 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1311% | 6,069 |
| Return on assets (ROA) | 0.1676% | 6,142 |
| Pretax return on assets | 0.2662% | 6,013 |
| Return on Equity (ROE) | 1.3134% | 6,189 |
| Retained earnings to average equity (ytd only) | 1.3134% | 5,649 |
| Net charge-offs to loans | 1.8261% | 426 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.1692% | 5,245 |
| Efficiency ratio | 93.9758% | 775 |
| Assets per employee ($millions) | 6.6731% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5557% | 1,136 |
| Loan loss allowance to noncurrent loans | 65.8783% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 4.9338% | 915 |
| Noncurrent loans to loans | 3.8794% | 1,337 |
| Net loans and leases to total assets | 61.2166% | 3,528 |
| Net loans and leases to deposits | 75.1942% | 3,111 |
| Net loans and leases to core deposits | 75.3786% | 3,805 |
| Total domestic deposits to total assets | 81.4113% | 5,229 |
| Equity capital to assets | 13.0985% | 1,548 |
| Core capital (leverage) ratio | 12.7086% | 1,311 |
| Tier 1 risk-based capital ratio | 17.9280% | 2,382 |
| Total risk-based capital ratio | 19.1905% | 2,346 |
| Memoranda: | ||
| Average total assets | $1,318,518,000 | 507 |
| Average earning assets | $1,245,697,750 | 487 |
| Average equity | $168,216,000 | 443 |
| Average total loans | $892,138,500 | 460 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8180% | 6,100 |
| Cost of funding earning assets | 0.3436% | 6,536 |
| Net interest margin | 3.4743% | 4,784 |
| Noninterest income to average assets | 0.2296% | 5,928 |
| Noninterest expense to average assets | 3.2572% | 2,417 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1626% | 6,017 |
| Return on assets (ROA) | 0.2164% | 6,056 |
| Pretax return on assets | 0.3394% | 5,865 |
| Return on Equity (ROE) | 1.7113% | 6,127 |
| Retained earnings to average equity (ytd only) | 1.7113% | 5,338 |
| Net charge-offs to loans | 2.3356% | 314 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.1578% | 4,993 |
| Efficiency ratio | 92.7334% | 879 |
| Assets per employee ($millions) | 7.0620% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6169% | 1,132 |
| Loan loss allowance to noncurrent loans | 60.0268% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 5.3255% | 860 |
| Noncurrent loans to loans | 4.3596% | 1,231 |
| Net loans and leases to total assets | 63.8082% | 3,079 |
| Net loans and leases to deposits | 78.4610% | 2,603 |
| Net loans and leases to core deposits | 78.6908% | 3,417 |
| Total domestic deposits to total assets | 81.3248% | 5,356 |
| Equity capital to assets | 12.8948% | 1,568 |
| Core capital (leverage) ratio | 12.6036% | 1,307 |
| Tier 1 risk-based capital ratio | 17.8567% | 2,341 |
| Total risk-based capital ratio | 19.1213% | 2,302 |
| Memoranda: | ||
| Average total assets | $1,324,275,330 | 510 |
| Average earning assets | $1,251,285,000 | 489 |
| Average equity | $167,473,330 | 444 |
| Average total loans | $917,028,000 | 455 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9165% | 5,980 |
| Cost of funding earning assets | 0.3661% | 6,568 |
| Net interest margin | 3.5504% | 4,487 |
| Noninterest income to average assets | 0.3309% | 5,215 |
| Noninterest expense to average assets | 3.1825% | 2,662 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3285% | 5,556 |
| Return on assets (ROA) | 0.3285% | 5,726 |
| Pretax return on assets | 0.5122% | 5,391 |
| Return on Equity (ROE) | 2.6231% | 5,857 |
| Retained earnings to average equity (ytd only) | 2.6231% | 4,947 |
| Net charge-offs to loans | 2.9251% | 251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.2464% | 4,243 |
| Efficiency ratio | 86.1377% | 1,471 |
| Assets per employee ($millions) | 7.3540% | 635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0776% | 776 |
| Loan loss allowance to noncurrent loans | 58.0275% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 5.5488% | 880 |
| Noncurrent loans to loans | 5.3037% | 1,028 |
| Net loans and leases to total assets | 61.6050% | 3,337 |
| Net loans and leases to deposits | 77.6075% | 2,581 |
| Net loans and leases to core deposits | 77.8379% | 3,353 |
| Total domestic deposits to total assets | 79.3802% | 6,001 |
| Equity capital to assets | 12.5187% | 1,712 |
| Core capital (leverage) ratio | 12.2635% | 1,456 |
| Tier 1 risk-based capital ratio | 19.0348% | 1,979 |
| Total risk-based capital ratio | 20.2969% | 1,940 |
| Memoranda: | ||
| Average total assets | $1,333,174,500 | 504 |
| Average earning assets | $1,263,074,000 | 482 |
| Average equity | $166,976,000 | 443 |
| Average total loans | $947,521,000 | 440 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 5,368 |
| Cost of funding earning assets | 0.4162% | 6,848 |
| Net interest margin | 3.9966% | 2,897 |
| Noninterest income to average assets | -0.4157% | 7,239 |
| Noninterest expense to average assets | 3.0462% | 3,411 |
| Loan and lease loss provision to assets | 0.5212% | 2,017 |
| Net operating income to assets | -0.1451% | 6,198 |
| Return on assets (ROA) | -0.1423% | 6,272 |
| Pretax return on assets | -0.2177% | 6,295 |
| Return on Equity (ROE) | -1.3082% | 6,273 |
| Retained earnings to average equity (ytd only) | -1.3082% | 6,056 |
| Net charge-offs to loans | 2.0121% | 682 |
| Credit loss provision to net charge-offs | 34.0826% | 5,728 |
| Earnings coverage of net charge-offs (x) | 0.1956% | 5,686 |
| Efficiency ratio | 91.0595% | 1,111 |
| Assets per employee ($millions) | 7.1394% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1706% | 699 |
| Loan loss allowance to noncurrent loans | 70.0658% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 4.9621% | 1,080 |
| Noncurrent loans to loans | 4.5251% | 1,317 |
| Net loans and leases to total assets | 76.1499% | 930 |
| Net loans and leases to deposits | 94.5185% | 777 |
| Net loans and leases to core deposits | 94.8617% | 1,603 |
| Total domestic deposits to total assets | 80.5661% | 5,572 |
| Equity capital to assets | 12.5307% | 1,782 |
| Core capital (leverage) ratio | 12.1137% | 1,532 |
| Tier 1 risk-based capital ratio | 15.6033% | 3,266 |
| Total risk-based capital ratio | 16.8534% | 3,222 |
| Memoranda: | ||
| Average total assets | $1,381,868,400 | 479 |
| Average earning assets | $1,300,406,200 | 460 |
| Average equity | $150,279,400 | 468 |
| Average total loans | $1,050,198,400 | 404 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4334% | 5,486 |
| Cost of funding earning assets | 0.4243% | 6,957 |
| Net interest margin | 4.0091% | 2,881 |
| Noninterest income to average assets | -0.4439% | 7,335 |
| Noninterest expense to average assets | 3.1231% | 3,080 |
| Loan and lease loss provision to assets | 0.4517% | 2,207 |
| Net operating income to assets | -0.1705% | 6,352 |
| Return on assets (ROA) | -0.1666% | 6,427 |
| Pretax return on assets | -0.2495% | 6,452 |
| Return on Equity (ROE) | -1.5899% | 6,436 |
| Retained earnings to average equity (ytd only) | -1.5899% | 6,241 |
| Net charge-offs to loans | 1.5287% | 947 |
| Credit loss provision to net charge-offs | 39.2022% | 5,267 |
| Earnings coverage of net charge-offs (x) | 0.1705% | 5,475 |
| Efficiency ratio | 94.0819% | 913 |
| Assets per employee ($millions) | 6.6457% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0451% | 378 |
| Loan loss allowance to noncurrent loans | 73.0299% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 5.7993% | 943 |
| Noncurrent loans to loans | 5.5390% | 1,068 |
| Net loans and leases to total assets | 70.8707% | 1,922 |
| Net loans and leases to deposits | 86.7246% | 1,583 |
| Net loans and leases to core deposits | 87.0085% | 2,634 |
| Total domestic deposits to total assets | 81.7192% | 5,189 |
| Equity capital to assets | 11.0160% | 3,128 |
| Core capital (leverage) ratio | 10.3598% | 3,021 |
| Tier 1 risk-based capital ratio | 13.8788% | 4,430 |
| Total risk-based capital ratio | 15.1086% | 4,406 |
| Memoranda: | ||
| Average total assets | $1,395,355,000 | 479 |
| Average earning assets | $1,309,893,250 | 463 |
| Average equity | $146,249,750 | 487 |
| Average total loans | $1,051,667,500 | 405 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 5,394 |
| Cost of funding earning assets | 0.4271% | 7,069 |
| Net interest margin | 4.0598% | 2,573 |
| Noninterest income to average assets | -0.5750% | 7,435 |
| Noninterest expense to average assets | 3.1930% | 2,929 |
| Loan and lease loss provision to assets | 0.6670% | 1,444 |
| Net operating income to assets | -0.4176% | 6,623 |
| Return on assets (ROA) | -0.4120% | 6,646 |
| Pretax return on assets | -0.6241% | 6,721 |
| Return on Equity (ROE) | -3.9947% | 6,647 |
| Retained earnings to average equity (ytd only) | -3.9947% | 6,472 |
| Net charge-offs to loans | 1.3645% | 1,113 |
| Credit loss provision to net charge-offs | 64.4532% | 4,224 |
| Earnings coverage of net charge-offs (x) | 0.0333% | 5,261 |
| Efficiency ratio | 98.9332% | 755 |
| Assets per employee ($millions) | 7.0002% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4592% | 285 |
| Loan loss allowance to noncurrent loans | 69.0275% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 6.5061% | 818 |
| Noncurrent loans to loans | 6.4600% | 867 |
| Net loans and leases to total assets | 70.4648% | 2,123 |
| Net loans and leases to deposits | 86.0202% | 1,791 |
| Net loans and leases to core deposits | 86.3951% | 2,847 |
| Total domestic deposits to total assets | 81.9166% | 5,198 |
| Equity capital to assets | 10.7508% | 3,227 |
| Core capital (leverage) ratio | 9.8834% | 3,406 |
| Tier 1 risk-based capital ratio | 14.3070% | 3,929 |
| Total risk-based capital ratio | 15.5570% | 3,909 |
| Memoranda: | ||
| Average total assets | $1,417,427,330 | 482 |
| Average earning assets | $1,327,565,670 | 464 |
| Average equity | $146,193,670 | 485 |
| Average total loans | $1,074,997,000 | 407 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5610% | 5,123 |
| Cost of funding earning assets | 0.4296% | 7,162 |
| Net interest margin | 4.1314% | 2,150 |
| Noninterest income to average assets | -0.7809% | 7,527 |
| Noninterest expense to average assets | 3.0784% | 3,344 |
| Loan and lease loss provision to assets | 1.3034% | 523 |
| Net operating income to assets | -0.8496% | 6,982 |
| Return on assets (ROA) | -0.8388% | 6,982 |
| Pretax return on assets | -1.2877% | 7,093 |
| Return on Equity (ROE) | -8.2964% | 6,969 |
| Retained earnings to average equity (ytd only) | -8.2964% | 6,771 |
| Net charge-offs to loans | 1.5992% | 845 |
| Credit loss provision to net charge-offs | 106.1055% | 2,512 |
| Earnings coverage of net charge-offs (x) | -0.0007% | 4,580 |
| Efficiency ratio | 100.0269% | 742 |
| Assets per employee ($millions) | 6.9887% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6026% | 266 |
| Loan loss allowance to noncurrent loans | 62.3107% | 4,291 |
| Noncurrent assets plus other real estate owned to assets | 7.5184% | 668 |
| Noncurrent loans to loans | 7.3865% | 708 |
| Net loans and leases to total assets | 71.5948% | 1,796 |
| Net loans and leases to deposits | 87.5408% | 1,512 |
| Net loans and leases to core deposits | 87.9371% | 2,606 |
| Total domestic deposits to total assets | 81.7844% | 5,395 |
| Equity capital to assets | 10.5947% | 3,085 |
| Core capital (leverage) ratio | 9.6112% | 3,648 |
| Tier 1 risk-based capital ratio | 13.2973% | 4,581 |
| Total risk-based capital ratio | 14.5473% | 4,561 |
| Memoranda: | ||
| Average total assets | $1,450,621,000 | 475 |
| Average earning assets | $1,354,783,000 | 457 |
| Average equity | $146,666,500 | 481 |
| Average total loans | $1,114,275,000 | 391 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1509% | 3,845 |
| Cost of funding earning assets | 0.4937% | 7,307 |
| Net interest margin | 4.6573% | 893 |
| Noninterest income to average assets | -1.0137% | 7,624 |
| Noninterest expense to average assets | 2.7257% | 4,875 |
| Loan and lease loss provision to assets | 4.8765% | 82 |
| Net operating income to assets | -2.7575% | 7,238 |
| Return on assets (ROA) | -2.7567% | 7,256 |
| Pretax return on assets | -4.2478% | 7,474 |
| Return on Equity (ROE) | -30.0833% | 7,232 |
| Retained earnings to average equity (ytd only) | -30.0833% | 7,219 |
| Net charge-offs to loans | 3.6328% | 381 |
| Credit loss provision to net charge-offs | 156.0724% | 2,262 |
| Earnings coverage of net charge-offs (x) | 0.2008% | 5,907 |
| Efficiency ratio | 81.2872% | 2,246 |
| Assets per employee ($millions) | 7.7346% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9184% | 430 |
| Loan loss allowance to noncurrent loans | 77.7387% | 3,629 |
| Noncurrent assets plus other real estate owned to assets | 6.4458% | 881 |
| Noncurrent loans to loans | 5.0405% | 1,330 |
| Net loans and leases to total assets | 75.3204% | 1,409 |
| Net loans and leases to deposits | 90.4991% | 1,460 |
| Net loans and leases to core deposits | 90.9391% | 2,628 |
| Total domestic deposits to total assets | 83.2278% | 4,698 |
| Equity capital to assets | 9.6776% | 4,174 |
| Core capital (leverage) ratio | 9.4325% | 3,796 |
| Tier 1 risk-based capital ratio | 12.7878% | 4,782 |
| Total risk-based capital ratio | 14.0378% | 4,747 |
| Memoranda: | ||
| Average total assets | $1,680,255,200 | 403 |
| Average earning assets | $1,575,478,600 | 391 |
| Average equity | $153,972,400 | 445 |
| Average total loans | $1,445,146,800 | 325 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1339% | 4,152 |
| Cost of funding earning assets | 0.5073% | 7,436 |
| Net interest margin | 4.6266% | 986 |
| Noninterest income to average assets | -0.8360% | 7,718 |
| Noninterest expense to average assets | 2.6902% | 4,916 |
| Loan and lease loss provision to assets | 5.8386% | 55 |
| Net operating income to assets | -3.2577% | 7,483 |
| Return on assets (ROA) | -3.2577% | 7,498 |
| Pretax return on assets | -5.0196% | 7,644 |
| Return on Equity (ROE) | -36.0002% | 7,458 |
| Retained earnings to average equity (ytd only) | -36.0002% | 7,455 |
| Net charge-offs to loans | 4.1975% | 276 |
| Credit loss provision to net charge-offs | 158.5964% | 2,400 |
| Earnings coverage of net charge-offs (x) | 0.2225% | 5,788 |
| Efficiency ratio | 76.6625% | 2,821 |
| Assets per employee ($millions) | 8.6016% | 398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2572% | 663 |
| Loan loss allowance to noncurrent loans | 60.2928% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 6.5237% | 867 |
| Noncurrent loans to loans | 5.4022% | 1,244 |
| Net loans and leases to total assets | 76.8288% | 1,254 |
| Net loans and leases to deposits | 91.0270% | 1,577 |
| Net loans and leases to core deposits | 91.4308% | 2,886 |
| Total domestic deposits to total assets | 84.4022% | 3,917 |
| Equity capital to assets | 8.6922% | 6,032 |
| Core capital (leverage) ratio | 8.2944% | 5,879 |
| Tier 1 risk-based capital ratio | 11.3719% | 6,041 |
| Total risk-based capital ratio | 12.6220% | 6,020 |
| Memoranda: | ||
| Average total assets | $1,717,456,750 | 392 |
| Average earning assets | $1,612,963,750 | 376 |
| Average equity | $155,413,750 | 437 |
| Average total loans | $1,506,299,750 | 313 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1004% | 4,452 |
| Cost of funding earning assets | 0.5209% | 7,516 |
| Net interest margin | 4.5795% | 1,039 |
| Noninterest income to average assets | -0.4500% | 7,741 |
| Noninterest expense to average assets | 2.6836% | 4,976 |
| Loan and lease loss provision to assets | 4.1872% | 176 |
| Net operating income to assets | -1.9541% | 7,291 |
| Return on assets (ROA) | -1.9541% | 7,299 |
| Pretax return on assets | -3.0121% | 7,469 |
| Return on Equity (ROE) | -21.3062% | 7,297 |
| Retained earnings to average equity (ytd only) | -21.3062% | 7,282 |
| Net charge-offs to loans | 2.3522% | 744 |
| Credit loss provision to net charge-offs | 196.5910% | 2,008 |
| Earnings coverage of net charge-offs (x) | 0.5517% | 5,184 |
| Efficiency ratio | 69.5464% | 4,272 |
| Assets per employee ($millions) | 8.4032% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1783% | 1,806 |
| Loan loss allowance to noncurrent loans | 91.3798% | 2,991 |
| Noncurrent assets plus other real estate owned to assets | 4.6769% | 1,386 |
| Noncurrent loans to loans | 2.3837% | 3,273 |
| Net loans and leases to total assets | 88.5850% | 105 |
| Net loans and leases to deposits | 106.0015% | 396 |
| Net loans and leases to core deposits | 106.6024% | 1,398 |
| Total domestic deposits to total assets | 83.5696% | 4,304 |
| Equity capital to assets | 8.6910% | 5,897 |
| Core capital (leverage) ratio | 8.6908% | 5,090 |
| Tier 1 risk-based capital ratio | 10.9596% | 6,281 |
| Total risk-based capital ratio | 12.2096% | 6,271 |
| Memoranda: | ||
| Average total assets | $1,705,036,330 | 399 |
| Average earning assets | $1,604,197,000 | 381 |
| Average equity | $156,377,000 | 433 |
| Average total loans | $1,543,894,000 | 307 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9080% | 5,432 |
| Cost of funding earning assets | 0.5362% | 7,621 |
| Net interest margin | 4.3719% | 1,472 |
| Noninterest income to average assets | -0.4684% | 7,855 |
| Noninterest expense to average assets | 2.7053% | 4,885 |
| Loan and lease loss provision to assets | 5.9995% | 116 |
| Net operating income to assets | -3.2812% | 7,661 |
| Return on assets (ROA) | -3.2812% | 7,659 |
| Pretax return on assets | -5.0542% | 7,767 |
| Return on Equity (ROE) | -34.8021% | 7,615 |
| Retained earnings to average equity (ytd only) | -34.8021% | 7,595 |
| Net charge-offs to loans | 3.2353% | 457 |
| Credit loss provision to net charge-offs | 204.8005% | 1,819 |
| Earnings coverage of net charge-offs (x) | 0.3227% | 4,754 |
| Efficiency ratio | 74.1060% | 3,560 |
| Assets per employee ($millions) | 7.3643% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0191% | 2,135 |
| Loan loss allowance to noncurrent loans | 102.1922% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 4.0942% | 1,673 |
| Noncurrent loans to loans | 1.9758% | 3,822 |
| Net loans and leases to total assets | 86.7025% | 181 |
| Net loans and leases to deposits | 102.5097% | 612 |
| Net loans and leases to core deposits | 103.0648% | 1,819 |
| Total domestic deposits to total assets | 84.5798% | 3,858 |
| Equity capital to assets | 8.8361% | 5,486 |
| Core capital (leverage) ratio | 8.8359% | 4,810 |
| Tier 1 risk-based capital ratio | 11.1065% | 6,051 |
| Total risk-based capital ratio | 12.3565% | 6,022 |
| Memoranda: | ||
| Average total assets | $1,666,817,500 | 416 |
| Average earning assets | $1,570,400,000 | 407 |
| Average equity | $157,151,500 | 436 |
| Average total loans | $1,509,211,000 | 322 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2907% | 5,224 |
| Cost of funding earning assets | 0.7071% | 7,678 |
| Net interest margin | 4.5836% | 1,014 |
| Noninterest income to average assets | 0.3130% | 5,841 |
| Noninterest expense to average assets | 2.9637% | 4,289 |
| Loan and lease loss provision to assets | 1.2982% | 1,780 |
| Net operating income to assets | 0.2696% | 4,646 |
| Return on assets (ROA) | 0.2746% | 4,720 |
| Pretax return on assets | 0.4142% | 4,453 |
| Return on Equity (ROE) | 3.0651% | 4,470 |
| Retained earnings to average equity (ytd only) | 3.0651% | 3,013 |
| Net charge-offs to loans | 0.9931% | 2,424 |
| Credit loss provision to net charge-offs | 141.3204% | 3,429 |
| Earnings coverage of net charge-offs (x) | 1.8559% | 4,330 |
| Efficiency ratio | 63.4823% | 5,873 |
| Assets per employee ($millions) | 7.3535% | 685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 5,568 |
| Loan loss allowance to noncurrent loans | 68.6600% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 3.7807% | 1,763 |
| Noncurrent loans to loans | 1.6942% | 4,099 |
| Net loans and leases to total assets | 91.6080% | 46 |
| Net loans and leases to deposits | 110.7599% | 359 |
| Net loans and leases to core deposits | 113.2419% | 2,574 |
| Total domestic deposits to total assets | 82.7087% | 4,654 |
| Equity capital to assets | 10.0453% | 3,698 |
| Core capital (leverage) ratio | 10.0450% | 3,039 |
| Tier 1 risk-based capital ratio | 12.2198% | 4,751 |
| Total risk-based capital ratio | 13.4697% | 4,717 |
| Memoranda: | ||
| Average total assets | $1,543,309,000 | 445 |
| Average earning assets | $1,466,516,800 | 426 |
| Average equity | $138,267,600 | 487 |
| Average total loans | $1,427,586,400 | 353 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2931% | 5,460 |
| Cost of funding earning assets | 0.7547% | 7,755 |
| Net interest margin | 4.5385% | 1,099 |
| Noninterest income to average assets | 0.4326% | 5,024 |
| Noninterest expense to average assets | 3.0347% | 3,903 |
| Loan and lease loss provision to assets | 1.3472% | 1,434 |
| Net operating income to assets | 0.2433% | 5,016 |
| Return on assets (ROA) | 0.2500% | 5,073 |
| Pretax return on assets | 0.3810% | 4,846 |
| Return on Equity (ROE) | 2.8843% | 4,842 |
| Retained earnings to average equity (ytd only) | 2.8843% | 3,713 |
| Net charge-offs to loans | 0.9320% | 2,107 |
| Credit loss provision to net charge-offs | 156.3479% | 3,047 |
| Earnings coverage of net charge-offs (x) | 1.9938% | 4,327 |
| Efficiency ratio | 63.8515% | 5,784 |
| Assets per employee ($millions) | 7.4077% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1974% | 5,130 |
| Loan loss allowance to noncurrent loans | 54.4847% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 3.8283% | 1,687 |
| Noncurrent loans to loans | 2.1977% | 3,380 |
| Net loans and leases to total assets | 87.0241% | 271 |
| Net loans and leases to deposits | 104.1230% | 766 |
| Net loans and leases to core deposits | 106.3899% | 3,659 |
| Total domestic deposits to total assets | 83.5782% | 3,916 |
| Equity capital to assets | 8.9123% | 5,617 |
| Core capital (leverage) ratio | 8.9120% | 4,789 |
| Tier 1 risk-based capital ratio | 10.8294% | 6,125 |
| Total risk-based capital ratio | 12.0794% | 6,089 |
| Memoranda: | ||
| Average total assets | $1,521,014,500 | 463 |
| Average earning assets | $1,447,826,750 | 445 |
| Average equity | $131,837,500 | 519 |
| Average total loans | $1,406,210,500 | 368 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3105% | 5,605 |
| Cost of funding earning assets | 0.8119% | 7,806 |
| Net interest margin | 4.4985% | 1,171 |
| Noninterest income to average assets | 0.4705% | 4,707 |
| Noninterest expense to average assets | 3.0506% | 3,876 |
| Loan and lease loss provision to assets | 1.4203% | 1,223 |
| Net operating income to assets | 0.1921% | 5,290 |
| Return on assets (ROA) | 0.2025% | 5,334 |
| Pretax return on assets | 0.3032% | 5,201 |
| Return on Equity (ROE) | 2.3595% | 5,155 |
| Retained earnings to average equity (ytd only) | 2.3595% | 4,023 |
| Net charge-offs to loans | 0.8126% | 2,061 |
| Credit loss provision to net charge-offs | 185.9170% | 2,464 |
| Earnings coverage of net charge-offs (x) | 2.2358% | 3,949 |
| Efficiency ratio | 64.1078% | 5,896 |
| Assets per employee ($millions) | 7.3532% | 655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 5,967 |
| Loan loss allowance to noncurrent loans | 47.8713% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 3.5959% | 1,722 |
| Noncurrent loans to loans | 2.1729% | 3,284 |
| Net loans and leases to total assets | 89.8968% | 138 |
| Net loans and leases to deposits | 108.4354% | 629 |
| Net loans and leases to core deposits | 111.1344% | 3,242 |
| Total domestic deposits to total assets | 82.9036% | 4,291 |
| Equity capital to assets | 9.0620% | 5,227 |
| Core capital (leverage) ratio | 9.0617% | 4,534 |
| Tier 1 risk-based capital ratio | 10.9488% | 5,931 |
| Total risk-based capital ratio | 12.0905% | 5,975 |
| Memoranda: | ||
| Average total assets | $1,494,664,670 | 481 |
| Average earning assets | $1,424,738,000 | 465 |
| Average equity | $128,249,330 | 541 |
| Average total loans | $1,405,175,330 | 377 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1602% | 6,444 |
| Cost of funding earning assets | 0.9562% | 7,743 |
| Net interest margin | 4.2039% | 1,883 |
| Noninterest income to average assets | 0.3873% | 5,322 |
| Noninterest expense to average assets | 3.2972% | 2,662 |
| Loan and lease loss provision to assets | 1.5682% | 800 |
| Net operating income to assets | -0.3001% | 6,678 |
| Return on assets (ROA) | -0.2798% | 6,731 |
| Pretax return on assets | -0.4365% | 6,772 |
| Return on Equity (ROE) | -3.3612% | 6,817 |
| Retained earnings to average equity (ytd only) | -3.3612% | 6,337 |
| Net charge-offs to loans | 1.2320% | 1,137 |
| Credit loss provision to net charge-offs | 133.0086% | 3,040 |
| Earnings coverage of net charge-offs (x) | 0.9330% | 4,302 |
| Efficiency ratio | 74.9845% | 3,669 |
| Assets per employee ($millions) | 6.8086% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7844% | 7,211 |
| Loan loss allowance to noncurrent loans | 28.5813% | 6,647 |
| Noncurrent assets plus other real estate owned to assets | 3.8673% | 1,360 |
| Noncurrent loans to loans | 2.7444% | 2,389 |
| Net loans and leases to total assets | 94.4250% | 25 |
| Net loans and leases to deposits | 115.8987% | 388 |
| Net loans and leases to core deposits | 118.8680% | 2,517 |
| Total domestic deposits to total assets | 81.4720% | 4,757 |
| Equity capital to assets | 8.6333% | 5,864 |
| Core capital (leverage) ratio | 8.6330% | 5,280 |
| Tier 1 risk-based capital ratio | 10.1445% | 6,763 |
| Total risk-based capital ratio | 11.0217% | 7,082 |
| Memoranda: | ||
| Average total assets | $1,462,558,000 | 495 |
| Average earning assets | $1,395,075,500 | 474 |
| Average equity | $121,741,500 | 564 |
| Average total loans | $1,399,707,000 | 383 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0868% | 5,113 |
| Cost of funding earning assets | 2.3021% | 5,141 |
| Net interest margin | 3.7846% | 4,083 |
| Noninterest income to average assets | 0.6396% | 3,556 |
| Noninterest expense to average assets | 3.3900% | 2,710 |
| Loan and lease loss provision to assets | 0.3392% | 3,679 |
| Net operating income to assets | 0.3080% | 5,513 |
| Return on assets (ROA) | 0.3509% | 5,161 |
| Pretax return on assets | 0.5679% | 4,787 |
| Return on Equity (ROE) | 4.1741% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.1741% | 2,532 |
| Net charge-offs to loans | 0.1586% | 4,604 |
| Credit loss provision to net charge-offs | 225.2369% | 2,112 |
| Earnings coverage of net charge-offs (x) | 5.5781% | 3,600 |
| Efficiency ratio | 80.1403% | 2,578 |
| Assets per employee ($millions) | 6.3453% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6469% | 7,555 |
| Loan loss allowance to noncurrent loans | 29.2394% | 6,747 |
| Noncurrent assets plus other real estate owned to assets | 3.0820% | 1,490 |
| Noncurrent loans to loans | 2.2126% | 2,494 |
| Net loans and leases to total assets | 95.6322% | 13 |
| Net loans and leases to deposits | 118.2729% | 437 |
| Net loans and leases to core deposits | 122.0511% | 2,500 |
| Total domestic deposits to total assets | 80.8573% | 4,711 |
| Equity capital to assets | 8.0022% | 6,840 |
| Core capital (leverage) ratio | 8.0019% | 6,486 |
| Tier 1 risk-based capital ratio | 9.3206% | 7,499 |
| Total risk-based capital ratio | 10.0459% | 7,971 |
| Memoranda: | ||
| Average total assets | $1,331,280,400 | 512 |
| Average earning assets | $1,262,999,600 | 497 |
| Average equity | $111,927,000 | 600 |
| Average total loans | $1,263,905,800 | 408 |