Home > Sovereign Bank > Performance and Condition Ratios
Sovereign Bank, Performance and Condition Ratios
| 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 | 4.2843% | 2,183 |
| Cost of funding earning assets | 0.6353% | 1,228 |
| Net interest margin | 3.6490% | 2,845 |
| Noninterest income to average assets | 0.1133% | 5,469 |
| Noninterest expense to average assets | 2.2938% | 4,365 |
| Loan and lease loss provision to assets | 0.0288% | 3,423 |
| Net operating income to assets | 0.9046% | 2,890 |
| Return on assets (ROA) | 0.9046% | 2,939 |
| Pretax return on assets | 1.2920% | 2,418 |
| Return on Equity (ROE) | 7.3779% | 3,353 |
| Retained earnings to average equity (ytd only) | 5.3454% | 2,503 |
| Net charge-offs to loans | 0.0075% | 3,183 |
| Credit loss provision to net charge-offs | 483.8710% | 681 |
| Earnings coverage of net charge-offs (x) | 222.2581% | 380 |
| Efficiency ratio | 63.4599% | 3,768 |
| Assets per employee ($millions) | 9.5048% | 347 |
| Cash dividends to net income (ytd only)* | 27.5482% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 2,041 |
| Loan loss allowance to noncurrent loans | 114.1988% | 3,319 |
| Noncurrent assets plus other real estate owned to assets | 0.9564% | 1,836 |
| Noncurrent loans to loans | 1.2072% | 1,616 |
| Net loans and leases to total assets | 75.8892% | 1,557 |
| Net loans and leases to deposits | 95.7128% | 1,104 |
| Net loans and leases to core deposits | 123.8591% | 441 |
| Total domestic deposits to total assets | 79.2884% | 4,565 |
| Equity capital to assets | 12.6666% | 1,537 |
| Core capital (leverage) ratio | 12.5017% | 1,366 |
| Tier 1 risk-based capital ratio | 13.8059% | 3,533 |
| Total risk-based capital ratio | 14.9623% | 3,499 |
| Memoranda: | ||
| Average total assets | $1,043,353,330 | 718 |
| Average earning assets | $1,001,104,330 | 683 |
| Average equity | $127,922,000 | 650 |
| Average total loans | $821,997,000 | 644 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2029% | 2,271 |
| Cost of funding earning assets | 0.6232% | 1,225 |
| Net interest margin | 3.5796% | 2,968 |
| Noninterest income to average assets | 0.0962% | 5,607 |
| Noninterest expense to average assets | 2.2803% | 4,457 |
| Loan and lease loss provision to assets | 0.1141% | 1,682 |
| Net operating income to assets | 0.7948% | 3,246 |
| Return on assets (ROA) | 0.7948% | 3,305 |
| Pretax return on assets | 1.1356% | 2,838 |
| Return on Equity (ROE) | 6.5894% | 3,613 |
| Retained earnings to average equity (ytd only) | 4.0671% | 3,426 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5981% | 3,727 |
| Assets per employee ($millions) | 9.4259% | 370 |
| Cash dividends to net income (ytd only)* | 38.2775% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3505% | 2,303 |
| Loan loss allowance to noncurrent loans | 114.7611% | 3,370 |
| Noncurrent assets plus other real estate owned to assets | 0.9664% | 1,903 |
| Noncurrent loans to loans | 1.1768% | 1,729 |
| Net loans and leases to total assets | 78.7140% | 1,025 |
| Net loans and leases to deposits | 96.5627% | 887 |
| Net loans and leases to core deposits | 118.4623% | 507 |
| Total domestic deposits to total assets | 81.5159% | 4,294 |
| Equity capital to assets | 12.4209% | 1,584 |
| Core capital (leverage) ratio | 11.9836% | 1,644 |
| Tier 1 risk-based capital ratio | 13.1507% | 3,993 |
| Total risk-based capital ratio | 14.2892% | 3,958 |
| Memoranda: | ||
| Average total assets | $1,051,773,000 | 711 |
| Average earning assets | $1,008,932,500 | 683 |
| Average equity | $126,871,000 | 651 |
| Average total loans | $838,044,000 | 627 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1372% | 2,707 |
| Cost of funding earning assets | 0.5626% | 1,588 |
| Net interest margin | 3.5746% | 3,168 |
| Noninterest income to average assets | 0.1962% | 5,236 |
| Noninterest expense to average assets | 2.3046% | 4,548 |
| Loan and lease loss provision to assets | 0.2523% | 832 |
| Net operating income to assets | 0.7533% | 3,522 |
| Return on assets (ROA) | 0.8219% | 3,299 |
| Pretax return on assets | 1.1539% | 2,880 |
| Return on Equity (ROE) | 7.2375% | 3,345 |
| Retained earnings to average equity (ytd only) | 5.7428% | 1,858 |
| Net charge-offs to loans | 0.3474% | 785 |
| Credit loss provision to net charge-offs | 94.6970% | 2,712 |
| Earnings coverage of net charge-offs (x) | 4.9156% | 3,422 |
| Efficiency ratio | 63.7635% | 3,985 |
| Assets per employee ($millions) | 9.1976% | 401 |
| Cash dividends to net income (ytd only)* | 20.6519% | 3,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2580% | 2,768 |
| Loan loss allowance to noncurrent loans | 112.1266% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.9495% | 1,998 |
| Noncurrent loans to loans | 1.1219% | 1,837 |
| Net loans and leases to total assets | 78.5709% | 1,113 |
| Net loans and leases to deposits | 98.5633% | 775 |
| Net loans and leases to core deposits | 123.6901% | 390 |
| Total domestic deposits to total assets | 79.7162% | 4,627 |
| Equity capital to assets | 11.7204% | 1,993 |
| Core capital (leverage) ratio | 11.4902% | 1,933 |
| Tier 1 risk-based capital ratio | 12.4554% | 4,401 |
| Total risk-based capital ratio | 13.5152% | 4,408 |
| Memoranda: | ||
| Average total assets | $1,089,963,200 | 658 |
| Average earning assets | $1,042,248,800 | 633 |
| Average equity | $123,771,600 | 648 |
| Average total loans | $836,006,800 | 604 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1180% | 2,808 |
| Cost of funding earning assets | 0.5439% | 1,755 |
| Net interest margin | 3.5741% | 3,182 |
| Noninterest income to average assets | 0.2068% | 5,231 |
| Noninterest expense to average assets | 2.2773% | 4,588 |
| Loan and lease loss provision to assets | 0.3658% | 424 |
| Net operating income to assets | 0.6959% | 3,877 |
| Return on assets (ROA) | 0.7870% | 3,567 |
| Pretax return on assets | 1.1084% | 3,196 |
| Return on Equity (ROE) | 6.9856% | 3,564 |
| Retained earnings to average equity (ytd only) | 5.9033% | 2,236 |
| Net charge-offs to loans | -0.0082% | 4,719 |
| Credit loss provision to net charge-offs | -5,882.3529% | 5,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8525% | 4,093 |
| Assets per employee ($millions) | 9.3037% | 374 |
| Cash dividends to net income (ytd only)* | 15.4943% | 3,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 1,393 |
| Loan loss allowance to noncurrent loans | 103.2887% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.2891% | 1,493 |
| Noncurrent loans to loans | 1.5743% | 1,375 |
| Net loans and leases to total assets | 77.0179% | 1,355 |
| Net loans and leases to deposits | 98.3981% | 818 |
| Net loans and leases to core deposits | 119.6835% | 517 |
| Total domestic deposits to total assets | 78.2718% | 4,858 |
| Equity capital to assets | 11.4449% | 2,556 |
| Core capital (leverage) ratio | 11.6225% | 1,940 |
| Tier 1 risk-based capital ratio | 12.2263% | 4,657 |
| Total risk-based capital ratio | 13.4777% | 4,554 |
| Memoranda: | ||
| Average total assets | $1,093,424,000 | 659 |
| Average earning assets | $1,045,195,000 | 631 |
| Average equity | $123,183,000 | 650 |
| Average total loans | $830,936,250 | 606 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 2,726 |
| Cost of funding earning assets | 0.5289% | 1,874 |
| Net interest margin | 3.6079% | 3,073 |
| Noninterest income to average assets | 0.1907% | 5,358 |
| Noninterest expense to average assets | 2.2823% | 4,658 |
| Loan and lease loss provision to assets | 0.5037% | 259 |
| Net operating income to assets | 0.6035% | 4,249 |
| Return on assets (ROA) | 0.7398% | 3,766 |
| Pretax return on assets | 1.0424% | 3,427 |
| Return on Equity (ROE) | 6.6017% | 3,752 |
| Retained earnings to average equity (ytd only) | 5.7845% | 2,249 |
| Net charge-offs to loans | -0.0131% | 4,785 |
| Credit loss provision to net charge-offs | -5,092.5926% | 5,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7632% | 4,214 |
| Assets per employee ($millions) | 9.0156% | 384 |
| Cash dividends to net income (ytd only)* | 12.3793% | 3,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 1,398 |
| Loan loss allowance to noncurrent loans | 99.9636% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.3159% | 1,531 |
| Noncurrent loans to loans | 1.6528% | 1,289 |
| Net loans and leases to total assets | 74.9114% | 1,667 |
| Net loans and leases to deposits | 100.3093% | 672 |
| Net loans and leases to core deposits | 122.6568% | 446 |
| Total domestic deposits to total assets | 74.6804% | 5,451 |
| Equity capital to assets | 11.3652% | 2,682 |
| Core capital (leverage) ratio | 11.4539% | 2,026 |
| Tier 1 risk-based capital ratio | 12.1461% | 4,738 |
| Total risk-based capital ratio | 13.3974% | 4,653 |
| Memoranda: | ||
| Average total assets | $1,091,952,330 | 657 |
| Average earning assets | $1,042,871,000 | 629 |
| Average equity | $122,361,670 | 654 |
| Average total loans | $821,412,000 | 611 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 2,629 |
| Cost of funding earning assets | 0.5174% | 1,966 |
| Net interest margin | 3.6401% | 2,924 |
| Noninterest income to average assets | 0.0674% | 5,917 |
| Noninterest expense to average assets | 2.2550% | 4,770 |
| Loan and lease loss provision to assets | 0.6590% | 161 |
| Net operating income to assets | 0.4480% | 4,839 |
| Return on assets (ROA) | 0.7202% | 3,730 |
| Pretax return on assets | 1.0142% | 3,426 |
| Return on Equity (ROE) | 6.4730% | 3,742 |
| Retained earnings to average equity (ytd only) | 6.4730% | 2,151 |
| Net charge-offs to loans | -0.0010% | 4,079 |
| Credit loss provision to net charge-offs | -90,000.0000% | 5,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6129% | 4,186 |
| Assets per employee ($millions) | 9.0183% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5486% | 1,795 |
| Loan loss allowance to noncurrent loans | 88.6837% | 3,890 |
| Noncurrent assets plus other real estate owned to assets | 1.3951% | 1,488 |
| Noncurrent loans to loans | 1.7462% | 1,276 |
| Net loans and leases to total assets | 75.3946% | 1,490 |
| Net loans and leases to deposits | 96.7214% | 870 |
| Net loans and leases to core deposits | 116.7833% | 572 |
| Total domestic deposits to total assets | 77.9503% | 5,157 |
| Equity capital to assets | 11.3982% | 2,536 |
| Core capital (leverage) ratio | 11.0279% | 2,386 |
| Tier 1 risk-based capital ratio | 12.2687% | 4,738 |
| Total risk-based capital ratio | 13.5191% | 4,644 |
| Memoranda: | ||
| Average total assets | $1,092,483,500 | 658 |
| Average earning assets | $1,043,718,000 | 634 |
| Average equity | $121,551,500 | 659 |
| Average total loans | $816,653,000 | 605 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 2,926 |
| Cost of funding earning assets | 0.5002% | 2,154 |
| Net interest margin | 3.5982% | 3,146 |
| Noninterest income to average assets | 0.4265% | 3,842 |
| Noninterest expense to average assets | 2.4231% | 4,458 |
| Loan and lease loss provision to assets | 0.4393% | 280 |
| Net operating income to assets | 0.7339% | 3,655 |
| Return on assets (ROA) | 0.7376% | 3,731 |
| Pretax return on assets | 1.0021% | 3,470 |
| Return on Equity (ROE) | 6.9057% | 3,558 |
| Retained earnings to average equity (ytd only) | 6.7344% | 1,414 |
| Net charge-offs to loans | 0.2813% | 1,081 |
| Credit loss provision to net charge-offs | 225.7761% | 1,257 |
| Earnings coverage of net charge-offs (x) | 7.3824% | 3,086 |
| Efficiency ratio | 62.7842% | 4,480 |
| Assets per employee ($millions) | 9.5844% | 309 |
| Cash dividends to net income (ytd only)* | 2.4814% | 4,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3465% | 2,681 |
| Loan loss allowance to noncurrent loans | 74.0846% | 4,274 |
| Noncurrent assets plus other real estate owned to assets | 1.3824% | 1,513 |
| Noncurrent loans to loans | 1.8175% | 1,200 |
| Net loans and leases to total assets | 72.0042% | 2,050 |
| Net loans and leases to deposits | 100.2113% | 660 |
| Net loans and leases to core deposits | 114.8549% | 646 |
| Total domestic deposits to total assets | 71.8524% | 5,805 |
| Equity capital to assets | 10.8636% | 2,975 |
| Core capital (leverage) ratio | 10.6214% | 2,809 |
| Tier 1 risk-based capital ratio | 11.8919% | 5,020 |
| Total risk-based capital ratio | 12.9793% | 5,032 |
| Memoranda: | ||
| Average total assets | $1,092,742,000 | 641 |
| Average earning assets | $1,042,558,400 | 622 |
| Average equity | $116,714,600 | 656 |
| Average total loans | $755,748,800 | 621 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 3,278 |
| Cost of funding earning assets | 0.4953% | 2,257 |
| Net interest margin | 3.5211% | 3,461 |
| Noninterest income to average assets | 0.4283% | 3,881 |
| Noninterest expense to average assets | 2.4505% | 4,346 |
| Loan and lease loss provision to assets | 0.3431% | 392 |
| Net operating income to assets | 0.7146% | 3,846 |
| Return on assets (ROA) | 0.7195% | 3,923 |
| Pretax return on assets | 0.9991% | 3,619 |
| Return on Equity (ROE) | 6.7657% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.5352% | 1,937 |
| Net charge-offs to loans | 0.2173% | 1,202 |
| Credit loss provision to net charge-offs | 231.5964% | 1,201 |
| Earnings coverage of net charge-offs (x) | 9.0141% | 2,746 |
| Efficiency ratio | 64.7245% | 4,114 |
| Assets per employee ($millions) | 9.4852% | 323 |
| Cash dividends to net income (ytd only)* | 3.4066% | 3,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1968% | 3,678 |
| Loan loss allowance to noncurrent loans | 66.7051% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.3623% | 1,700 |
| Noncurrent loans to loans | 1.7941% | 1,326 |
| Net loans and leases to total assets | 71.9936% | 2,058 |
| Net loans and leases to deposits | 99.0312% | 722 |
| Net loans and leases to core deposits | 112.9601% | 710 |
| Total domestic deposits to total assets | 72.6979% | 5,816 |
| Equity capital to assets | 10.4919% | 3,611 |
| Core capital (leverage) ratio | 10.4704% | 3,071 |
| Tier 1 risk-based capital ratio | 11.5212% | 5,363 |
| Total risk-based capital ratio | 12.4881% | 5,425 |
| Memoranda: | ||
| Average total assets | $1,087,980,500 | 650 |
| Average earning assets | $1,037,502,250 | 628 |
| Average equity | $115,698,250 | 666 |
| Average total loans | $741,821,000 | 634 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9652% | 3,426 |
| Cost of funding earning assets | 0.4949% | 2,297 |
| Net interest margin | 3.4703% | 3,616 |
| Noninterest income to average assets | 0.5573% | 2,994 |
| Noninterest expense to average assets | 2.5631% | 4,029 |
| Loan and lease loss provision to assets | 0.2420% | 746 |
| Net operating income to assets | 0.7488% | 3,650 |
| Return on assets (ROA) | 0.7509% | 3,737 |
| Pretax return on assets | 1.0579% | 3,348 |
| Return on Equity (ROE) | 7.0285% | 3,590 |
| Retained earnings to average equity (ytd only) | 7.0285% | 1,697 |
| Net charge-offs to loans | 0.3382% | 778 |
| Credit loss provision to net charge-offs | 107.5269% | 1,953 |
| Earnings coverage of net charge-offs (x) | 5.7626% | 2,891 |
| Efficiency ratio | 66.4014% | 3,942 |
| Assets per employee ($millions) | 9.1671% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0840% | 4,415 |
| Loan loss allowance to noncurrent loans | 332.1258% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 4,756 |
| Noncurrent loans to loans | 0.3264% | 4,526 |
| Net loans and leases to total assets | 68.0700% | 2,631 |
| Net loans and leases to deposits | 93.9788% | 1,152 |
| Net loans and leases to core deposits | 101.4715% | 1,364 |
| Total domestic deposits to total assets | 72.4312% | 5,914 |
| Equity capital to assets | 10.4299% | 3,520 |
| Core capital (leverage) ratio | 10.8046% | 2,608 |
| Tier 1 risk-based capital ratio | 12.0644% | 5,098 |
| Total risk-based capital ratio | 12.9347% | 5,258 |
| Memoranda: | ||
| Average total assets | $1,074,395,670 | 658 |
| Average earning assets | $1,022,492,670 | 636 |
| Average equity | $114,789,000 | 674 |
| Average total loans | $714,941,330 | 657 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0037% | 3,220 |
| Cost of funding earning assets | 0.5094% | 2,210 |
| Net interest margin | 3.4944% | 3,461 |
| Noninterest income to average assets | 0.2710% | 5,014 |
| Noninterest expense to average assets | 2.8274% | 3,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5407% | 4,509 |
| Return on assets (ROA) | 0.5450% | 4,611 |
| Pretax return on assets | 0.7689% | 4,355 |
| Return on Equity (ROE) | 5.0378% | 4,508 |
| Retained earnings to average equity (ytd only) | 5.0378% | 3,030 |
| Net charge-offs to loans | 0.3240% | 744 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.6032% | 2,586 |
| Efficiency ratio | 78.7529% | 2,078 |
| Assets per employee ($millions) | 8.8227% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1070% | 4,479 |
| Loan loss allowance to noncurrent loans | 242.4386% | 1,898 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 4,541 |
| Noncurrent loans to loans | 0.4566% | 4,217 |
| Net loans and leases to total assets | 64.9308% | 2,951 |
| Net loans and leases to deposits | 85.6596% | 1,877 |
| Net loans and leases to core deposits | 92.3679% | 1,914 |
| Total domestic deposits to total assets | 75.8010% | 5,756 |
| Equity capital to assets | 10.8418% | 3,148 |
| Core capital (leverage) ratio | 10.7893% | 2,639 |
| Tier 1 risk-based capital ratio | 12.7635% | 4,751 |
| Total risk-based capital ratio | 13.6323% | 4,898 |
| Memoranda: | ||
| Average total assets | $1,052,397,500 | 671 |
| Average earning assets | $999,670,500 | 647 |
| Average equity | $113,860,000 | 674 |
| Average total loans | $687,596,000 | 678 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0294% | 3,604 |
| Cost of funding earning assets | 0.5471% | 2,226 |
| Net interest margin | 3.4823% | 3,859 |
| Noninterest income to average assets | 0.2475% | 5,357 |
| Noninterest expense to average assets | 3.0996% | 2,516 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3892% | 5,254 |
| Return on assets (ROA) | 0.3892% | 5,322 |
| Pretax return on assets | 0.4647% | 5,345 |
| Return on Equity (ROE) | 3.6306% | 5,257 |
| Retained earnings to average equity (ytd only) | 1.2912% | 5,195 |
| Net charge-offs to loans | 0.4567% | 920 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 1.6354% | 4,372 |
| Efficiency ratio | 86.9615% | 1,082 |
| Assets per employee ($millions) | 8.5031% | 435 |
| Cash dividends to net income (ytd only)* | 64.4362% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 3,915 |
| Loan loss allowance to noncurrent loans | 220.2295% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4262% | 4,399 |
| Noncurrent loans to loans | 0.5510% | 4,011 |
| Net loans and leases to total assets | 64.2334% | 3,192 |
| Net loans and leases to deposits | 84.6471% | 2,147 |
| Net loans and leases to core deposits | 91.5468% | 2,141 |
| Total domestic deposits to total assets | 75.8837% | 5,745 |
| Equity capital to assets | 10.7831% | 3,142 |
| Core capital (leverage) ratio | 10.7593% | 2,661 |
| Tier 1 risk-based capital ratio | 12.7771% | 4,870 |
| Total risk-based capital ratio | 13.7230% | 4,969 |
| Memoranda: | ||
| Average total assets | $1,036,698,800 | 652 |
| Average earning assets | $987,454,400 | 616 |
| Average equity | $111,138,400 | 659 |
| Average total loans | $645,022,600 | 673 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9838% | 3,819 |
| Cost of funding earning assets | 0.5573% | 2,220 |
| Net interest margin | 3.4265% | 4,121 |
| Noninterest income to average assets | 0.2706% | 5,275 |
| Noninterest expense to average assets | 2.6979% | 3,835 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6271% | 4,316 |
| Return on assets (ROA) | 0.6271% | 4,418 |
| Pretax return on assets | 0.8361% | 4,231 |
| Return on Equity (ROE) | 5.8580% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.4968% | 2,754 |
| Net charge-offs to loans | 0.4958% | 785 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 2.7418% | 3,833 |
| Efficiency ratio | 76.3404% | 2,434 |
| Assets per employee ($millions) | 8.6435% | 389 |
| Cash dividends to net income (ytd only)* | 6.1665% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3444% | 3,422 |
| Loan loss allowance to noncurrent loans | 109.8371% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 1.2423% | 2,474 |
| Noncurrent loans to loans | 1.2240% | 2,601 |
| Net loans and leases to total assets | 61.9709% | 3,487 |
| Net loans and leases to deposits | 80.6060% | 2,602 |
| Net loans and leases to core deposits | 86.8210% | 2,568 |
| Total domestic deposits to total assets | 76.8813% | 5,696 |
| Equity capital to assets | 11.0271% | 2,929 |
| Core capital (leverage) ratio | 11.1006% | 2,398 |
| Tier 1 risk-based capital ratio | 14.0368% | 4,185 |
| Total risk-based capital ratio | 15.1186% | 4,251 |
| Memoranda: | ||
| Average total assets | $1,034,402,000 | 650 |
| Average earning assets | $985,187,750 | 610 |
| Average equity | $110,728,250 | 664 |
| Average total loans | $636,263,250 | 680 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9312% | 4,010 |
| Cost of funding earning assets | 0.5767% | 2,103 |
| Net interest margin | 3.3546% | 4,381 |
| Noninterest income to average assets | 0.2878% | 5,123 |
| Noninterest expense to average assets | 2.7367% | 3,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5618% | 4,537 |
| Return on assets (ROA) | 0.5618% | 4,642 |
| Pretax return on assets | 0.7493% | 4,461 |
| Return on Equity (ROE) | 5.3024% | 4,527 |
| Retained earnings to average equity (ytd only) | 4.7530% | 3,117 |
| Net charge-offs to loans | 0.7554% | 506 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 1.6243% | 3,755 |
| Efficiency ratio | 78.5058% | 2,225 |
| Assets per employee ($millions) | 8.6432% | 379 |
| Cash dividends to net income (ytd only)* | 10.3627% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3650% | 3,513 |
| Loan loss allowance to noncurrent loans | 106.4053% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.2875% | 2,542 |
| Noncurrent loans to loans | 1.2828% | 2,662 |
| Net loans and leases to total assets | 61.9717% | 3,413 |
| Net loans and leases to deposits | 80.1717% | 2,498 |
| Net loans and leases to core deposits | 86.8835% | 2,429 |
| Total domestic deposits to total assets | 77.2987% | 5,761 |
| Equity capital to assets | 11.0137% | 2,864 |
| Core capital (leverage) ratio | 11.0823% | 2,351 |
| Tier 1 risk-based capital ratio | 14.5590% | 3,892 |
| Total risk-based capital ratio | 15.6993% | 3,900 |
| Memoranda: | ||
| Average total assets | $1,030,583,330 | 647 |
| Average earning assets | $982,544,670 | 609 |
| Average equity | $109,195,000 | 667 |
| Average total loans | $629,364,330 | 684 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9040% | 4,073 |
| Cost of funding earning assets | 0.5895% | 2,069 |
| Net interest margin | 3.3145% | 4,475 |
| Noninterest income to average assets | 0.1221% | 6,237 |
| Noninterest expense to average assets | 2.7654% | 3,697 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3947% | 5,138 |
| Return on assets (ROA) | 0.3947% | 5,209 |
| Pretax return on assets | 0.5266% | 5,090 |
| Return on Equity (ROE) | 3.8002% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.8002% | 3,849 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0047% | 1,671 |
| Assets per employee ($millions) | 8.4383% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 1,994 |
| Loan loss allowance to noncurrent loans | 67.5759% | 4,571 |
| Noncurrent assets plus other real estate owned to assets | 1.6946% | 2,084 |
| Noncurrent loans to loans | 2.6837% | 1,259 |
| Net loans and leases to total assets | 59.3780% | 3,655 |
| Net loans and leases to deposits | 73.2978% | 3,153 |
| Net loans and leases to core deposits | 79.6432% | 3,017 |
| Total domestic deposits to total assets | 81.0093% | 5,235 |
| Equity capital to assets | 10.6155% | 3,118 |
| Core capital (leverage) ratio | 11.0695% | 2,330 |
| Tier 1 risk-based capital ratio | 15.3485% | 3,523 |
| Total risk-based capital ratio | 16.6022% | 3,476 |
| Memoranda: | ||
| Average total assets | $1,031,606,000 | 648 |
| Average earning assets | $986,580,500 | 616 |
| Average equity | $107,152,500 | 679 |
| Average total loans | $620,935,000 | 691 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9074% | 4,432 |
| Cost of funding earning assets | 0.8447% | 973 |
| Net interest margin | 3.0627% | 5,429 |
| Noninterest income to average assets | 0.1753% | 6,037 |
| Noninterest expense to average assets | 2.8102% | 3,686 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2560% | 5,673 |
| Return on assets (ROA) | 0.4171% | 5,201 |
| Pretax return on assets | 0.4867% | 5,237 |
| Return on Equity (ROE) | 4.1427% | 5,041 |
| Retained earnings to average equity (ytd only) | 3.1203% | 4,015 |
| Net charge-offs to loans | 0.1062% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.8250% | 3,443 |
| Efficiency ratio | 90.3723% | 993 |
| Assets per employee ($millions) | 8.6131% | 379 |
| Cash dividends to net income (ytd only)* | 24.6803% | 3,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7934% | 2,084 |
| Loan loss allowance to noncurrent loans | 65.9676% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 1.6989% | 2,167 |
| Noncurrent loans to loans | 2.7186% | 1,335 |
| Net loans and leases to total assets | 58.8387% | 3,900 |
| Net loans and leases to deposits | 71.2391% | 3,623 |
| Net loans and leases to core deposits | 79.6339% | 3,172 |
| Total domestic deposits to total assets | 82.5933% | 4,683 |
| Equity capital to assets | 10.1631% | 3,554 |
| Core capital (leverage) ratio | 10.3235% | 3,122 |
| Tier 1 risk-based capital ratio | 15.2680% | 3,503 |
| Total risk-based capital ratio | 16.5217% | 3,451 |
| Memoranda: | ||
| Average total assets | $1,068,541,200 | 615 |
| Average earning assets | $1,023,730,600 | 582 |
| Average equity | $107,586,400 | 657 |
| Average total loans | $624,450,200 | 672 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8440% | 4,684 |
| Cost of funding earning assets | 0.8871% | 871 |
| Net interest margin | 2.9569% | 5,685 |
| Noninterest income to average assets | 0.1643% | 6,204 |
| Noninterest expense to average assets | 2.7693% | 3,765 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1894% | 5,939 |
| Return on assets (ROA) | 0.3884% | 5,426 |
| Pretax return on assets | 0.4679% | 5,451 |
| Return on Equity (ROE) | 3.8664% | 5,278 |
| Retained earnings to average equity (ytd only) | 2.5085% | 4,815 |
| Net charge-offs to loans | 0.0032% | 5,143 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 122.6635% | 427 |
| Efficiency ratio | 92.3876% | 829 |
| Assets per employee ($millions) | 8.8794% | 326 |
| Cash dividends to net income (ytd only)* | 35.1213% | 2,466 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7731% | 2,392 |
| Loan loss allowance to noncurrent loans | 92.7861% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.2460% | 3,147 |
| Noncurrent loans to loans | 1.9109% | 2,349 |
| Net loans and leases to total assets | 60.5811% | 3,600 |
| Net loans and leases to deposits | 73.5206% | 3,313 |
| Net loans and leases to core deposits | 81.9340% | 2,880 |
| Total domestic deposits to total assets | 82.4001% | 4,794 |
| Equity capital to assets | 9.6656% | 4,342 |
| Core capital (leverage) ratio | 10.0521% | 3,600 |
| Tier 1 risk-based capital ratio | 14.2661% | 4,240 |
| Total risk-based capital ratio | 15.5198% | 4,181 |
| Memoranda: | ||
| Average total assets | $1,075,130,750 | 617 |
| Average earning assets | $1,030,146,750 | 578 |
| Average equity | $108,003,500 | 665 |
| Average total loans | $624,461,500 | 672 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8418% | 4,681 |
| Cost of funding earning assets | 0.9234% | 803 |
| Net interest margin | 2.9184% | 5,758 |
| Noninterest income to average assets | 0.1305% | 6,401 |
| Noninterest expense to average assets | 2.8450% | 3,533 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0667% | 6,207 |
| Return on assets (ROA) | 0.3583% | 5,551 |
| Pretax return on assets | 0.4405% | 5,549 |
| Return on Equity (ROE) | 3.5215% | 5,414 |
| Retained earnings to average equity (ytd only) | 1.8716% | 5,078 |
| Net charge-offs to loans | 0.0049% | 4,805 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 28.8000% | 1,179 |
| Efficiency ratio | 97.2461% | 607 |
| Assets per employee ($millions) | 8.9815% | 309 |
| Cash dividends to net income (ytd only)* | 46.8506% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8311% | 2,329 |
| Loan loss allowance to noncurrent loans | 91.8081% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 1.3374% | 3,100 |
| Noncurrent loans to loans | 1.9944% | 2,406 |
| Net loans and leases to total assets | 58.4398% | 3,918 |
| Net loans and leases to deposits | 71.6621% | 3,502 |
| Net loans and leases to core deposits | 79.4576% | 3,095 |
| Total domestic deposits to total assets | 81.5491% | 5,198 |
| Equity capital to assets | 9.6550% | 4,380 |
| Core capital (leverage) ratio | 10.0395% | 3,457 |
| Tier 1 risk-based capital ratio | 14.4967% | 4,097 |
| Total risk-based capital ratio | 15.7510% | 4,061 |
| Memoranda: | ||
| Average total assets | $1,072,411,330 | 617 |
| Average earning assets | $1,027,081,000 | 582 |
| Average equity | $109,102,670 | 655 |
| Average total loans | $609,910,670 | 683 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 4,958 |
| Cost of funding earning assets | 0.9212% | 889 |
| Net interest margin | 2.8388% | 5,946 |
| Noninterest income to average assets | 0.2013% | 6,038 |
| Noninterest expense to average assets | 2.4190% | 5,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4100% | 5,088 |
| Return on assets (ROA) | 0.4100% | 5,239 |
| Pretax return on assets | 0.4994% | 5,260 |
| Return on Equity (ROE) | 3.9284% | 5,130 |
| Retained earnings to average equity (ytd only) | 1.7699% | 5,103 |
| Net charge-offs to loans | 0.0101% | 3,945 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 88.6667% | 430 |
| Efficiency ratio | 82.8873% | 1,909 |
| Assets per employee ($millions) | 8.6820% | 363 |
| Cash dividends to net income (ytd only)* | 54.9451% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9610% | 2,143 |
| Loan loss allowance to noncurrent loans | 93.2022% | 3,549 |
| Noncurrent assets plus other real estate owned to assets | 1.4079% | 3,161 |
| Noncurrent loans to loans | 2.1040% | 2,500 |
| Net loans and leases to total assets | 55.4583% | 4,175 |
| Net loans and leases to deposits | 68.5488% | 3,702 |
| Net loans and leases to core deposits | 75.9693% | 3,329 |
| Total domestic deposits to total assets | 80.9034% | 5,527 |
| Equity capital to assets | 10.3906% | 3,685 |
| Core capital (leverage) ratio | 10.2011% | 3,146 |
| Tier 1 risk-based capital ratio | 14.9668% | 3,859 |
| Total risk-based capital ratio | 16.2218% | 3,816 |
| Memoranda: | ||
| Average total assets | $1,065,236,500 | 626 |
| Average earning assets | $1,019,578,000 | 594 |
| Average equity | $111,190,500 | 658 |
| Average total loans | $591,392,500 | 706 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4545% | 3,597 |
| Cost of funding earning assets | 1.0109% | 1,300 |
| Net interest margin | 3.4436% | 4,722 |
| Noninterest income to average assets | 0.2093% | 5,916 |
| Noninterest expense to average assets | 2.8455% | 3,855 |
| Loan and lease loss provision to assets | 0.3493% | 1,912 |
| Net operating income to assets | 0.2576% | 5,608 |
| Return on assets (ROA) | 0.6090% | 4,459 |
| Pretax return on assets | 0.7246% | 4,577 |
| Return on Equity (ROE) | 5.1939% | 4,599 |
| Retained earnings to average equity (ytd only) | 5.1939% | 2,582 |
| Net charge-offs to loans | -0.0087% | 6,450 |
| Credit loss provision to net charge-offs | -6,500.0000% | 6,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2753% | 1,976 |
| Assets per employee ($millions) | 8.7817% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0496% | 1,892 |
| Loan loss allowance to noncurrent loans | 92.8527% | 3,521 |
| Noncurrent assets plus other real estate owned to assets | 1.4963% | 3,138 |
| Noncurrent loans to loans | 2.2073% | 2,451 |
| Net loans and leases to total assets | 53.3459% | 4,710 |
| Net loans and leases to deposits | 66.8069% | 4,165 |
| Net loans and leases to core deposits | 73.2510% | 3,881 |
| Total domestic deposits to total assets | 79.8509% | 5,705 |
| Equity capital to assets | 10.4859% | 3,543 |
| Core capital (leverage) ratio | 11.0136% | 2,243 |
| Tier 1 risk-based capital ratio | 15.2741% | 3,561 |
| Total risk-based capital ratio | 16.5297% | 3,507 |
| Memoranda: | ||
| Average total assets | $930,346,200 | 707 |
| Average earning assets | $889,327,200 | 667 |
| Average equity | $109,090,400 | 652 |
| Average total loans | $575,330,800 | 721 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5866% | 3,263 |
| Cost of funding earning assets | 1.0460% | 1,300 |
| Net interest margin | 3.5406% | 4,491 |
| Noninterest income to average assets | 0.2312% | 5,891 |
| Noninterest expense to average assets | 3.0607% | 3,014 |
| Loan and lease loss provision to assets | 0.4829% | 1,281 |
| Net operating income to assets | 0.0656% | 6,184 |
| Return on assets (ROA) | 0.5514% | 4,873 |
| Pretax return on assets | 0.6528% | 5,001 |
| Return on Equity (ROE) | 4.5599% | 5,019 |
| Retained earnings to average equity (ytd only) | 4.5599% | 3,693 |
| Net charge-offs to loans | 0.0395% | 5,099 |
| Credit loss provision to net charge-offs | 1,911.7647% | 140 |
| Earnings coverage of net charge-offs (x) | 22.0648% | 1,370 |
| Efficiency ratio | 84.5948% | 1,520 |
| Assets per employee ($millions) | 7.8458% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9636% | 2,278 |
| Loan loss allowance to noncurrent loans | 90.0797% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.8617% | 2,844 |
| Noncurrent loans to loans | 2.1799% | 2,647 |
| Net loans and leases to total assets | 61.7309% | 3,437 |
| Net loans and leases to deposits | 75.1296% | 3,124 |
| Net loans and leases to core deposits | 84.5035% | 2,642 |
| Total domestic deposits to total assets | 82.1658% | 4,961 |
| Equity capital to assets | 11.7912% | 2,442 |
| Core capital (leverage) ratio | 11.1103% | 2,289 |
| Tier 1 risk-based capital ratio | 15.1945% | 3,711 |
| Total risk-based capital ratio | 16.4499% | 3,652 |
| Memoranda: | ||
| Average total assets | $897,286,750 | 737 |
| Average earning assets | $858,327,250 | 701 |
| Average equity | $108,507,750 | 654 |
| Average total loans | $574,487,000 | 719 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 3,189 |
| Cost of funding earning assets | 1.0516% | 1,460 |
| Net interest margin | 3.5871% | 4,319 |
| Noninterest income to average assets | 0.1478% | 6,455 |
| Noninterest expense to average assets | 3.2195% | 2,526 |
| Loan and lease loss provision to assets | 0.3399% | 1,941 |
| Net operating income to assets | 0.0116% | 6,306 |
| Return on assets (ROA) | 0.5097% | 5,039 |
| Pretax return on assets | 0.6375% | 5,001 |
| Return on Equity (ROE) | 4.1775% | 5,190 |
| Retained earnings to average equity (ytd only) | 4.1775% | 3,829 |
| Net charge-offs to loans | 0.0672% | 4,488 |
| Credit loss provision to net charge-offs | 785.3403% | 399 |
| Earnings coverage of net charge-offs (x) | 8.1990% | 2,348 |
| Efficiency ratio | 90.0716% | 1,062 |
| Assets per employee ($millions) | 7.8146% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6203% | 3,530 |
| Loan loss allowance to noncurrent loans | 75.4126% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 2.0143% | 2,761 |
| Noncurrent loans to loans | 2.1486% | 2,766 |
| Net loans and leases to total assets | 65.5423% | 2,759 |
| Net loans and leases to deposits | 84.3164% | 1,813 |
| Net loans and leases to core deposits | 95.4748% | 1,478 |
| Total domestic deposits to total assets | 77.7338% | 6,209 |
| Equity capital to assets | 11.8727% | 2,245 |
| Core capital (leverage) ratio | 11.5587% | 1,865 |
| Tier 1 risk-based capital ratio | 14.8154% | 3,887 |
| Total risk-based capital ratio | 16.0674% | 3,854 |
| Memoranda: | ||
| Average total assets | $882,550,670 | 753 |
| Average earning assets | $843,071,000 | 713 |
| Average equity | $107,672,330 | 655 |
| Average total loans | $568,371,330 | 733 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6319% | 3,349 |
| Cost of funding earning assets | 1.0730% | 1,533 |
| Net interest margin | 3.5589% | 4,449 |
| Noninterest income to average assets | 0.0831% | 6,812 |
| Noninterest expense to average assets | 3.6157% | 1,533 |
| Loan and lease loss provision to assets | 0.2308% | 2,639 |
| Net operating income to assets | -0.2898% | 6,701 |
| Return on assets (ROA) | 0.4029% | 5,427 |
| Pretax return on assets | 0.5040% | 5,414 |
| Return on Equity (ROE) | 3.2565% | 5,612 |
| Retained earnings to average equity (ytd only) | 3.2565% | 4,615 |
| Net charge-offs to loans | 0.0117% | 4,545 |
| Credit loss provision to net charge-offs | 3,125.0000% | 86 |
| Earnings coverage of net charge-offs (x) | -17.7500% | 4,700 |
| Efficiency ratio | 103.7616% | 453 |
| Assets per employee ($millions) | 7.5717% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5810% | 3,801 |
| Loan loss allowance to noncurrent loans | 124.6726% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 1.4251% | 3,727 |
| Noncurrent loans to loans | 1.2681% | 4,208 |
| Net loans and leases to total assets | 63.5601% | 2,930 |
| Net loans and leases to deposits | 80.5906% | 2,129 |
| Net loans and leases to core deposits | 91.9801% | 1,651 |
| Total domestic deposits to total assets | 78.8678% | 6,103 |
| Equity capital to assets | 12.0708% | 1,992 |
| Core capital (leverage) ratio | 11.9393% | 1,621 |
| Tier 1 risk-based capital ratio | 16.0979% | 3,127 |
| Total risk-based capital ratio | 17.3501% | 3,090 |
| Memoranda: | ||
| Average total assets | $866,669,500 | 767 |
| Average earning assets | $828,338,000 | 729 |
| Average equity | $107,231,500 | 657 |
| Average total loans | $547,991,000 | 761 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9259% | 3,226 |
| Cost of funding earning assets | 1.2053% | 1,992 |
| Net interest margin | 3.7207% | 4,207 |
| Noninterest income to average assets | 0.2173% | 5,965 |
| Noninterest expense to average assets | 2.8137% | 4,296 |
| Loan and lease loss provision to assets | 0.1690% | 4,526 |
| Net operating income to assets | 0.6243% | 3,862 |
| Return on assets (ROA) | 0.7361% | 3,483 |
| Pretax return on assets | 0.8925% | 3,630 |
| Return on Equity (ROE) | 6.0171% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.0171% | 2,009 |
| Net charge-offs to loans | 0.2997% | 3,902 |
| Credit loss provision to net charge-offs | 96.2224% | 3,743 |
| Earnings coverage of net charge-offs (x) | 5.2680% | 2,847 |
| Efficiency ratio | 75.2545% | 3,016 |
| Assets per employee ($millions) | 7.3691% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6342% | 3,449 |
| Loan loss allowance to noncurrent loans | 19,909.3023% | 32 |
| Noncurrent assets plus other real estate owned to assets | 0.6586% | 5,337 |
| Noncurrent loans to loans | 0.0082% | 6,839 |
| Net loans and leases to total assets | 60.8064% | 3,825 |
| Net loans and leases to deposits | 77.4562% | 2,928 |
| Net loans and leases to core deposits | 86.9161% | 2,513 |
| Total domestic deposits to total assets | 78.5043% | 6,092 |
| Equity capital to assets | 12.6886% | 1,664 |
| Core capital (leverage) ratio | 12.0798% | 1,549 |
| Tier 1 risk-based capital ratio | 17.1243% | 2,542 |
| Total risk-based capital ratio | 18.3768% | 2,504 |
| Memoranda: | ||
| Average total assets | $798,843,600 | 822 |
| Average earning assets | $756,102,600 | 781 |
| Average equity | $97,721,200 | 704 |
| Average total loans | $468,117,600 | 892 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9849% | 3,165 |
| Cost of funding earning assets | 1.2359% | 2,086 |
| Net interest margin | 3.7490% | 4,114 |
| Noninterest income to average assets | 0.2230% | 6,020 |
| Noninterest expense to average assets | 2.8449% | 4,168 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7179% | 3,516 |
| Return on assets (ROA) | 0.8618% | 3,054 |
| Pretax return on assets | 1.1028% | 2,995 |
| Return on Equity (ROE) | 7.1165% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.1165% | 1,909 |
| Net charge-offs to loans | 0.0901% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 17.6483% | 1,341 |
| Efficiency ratio | 75.5990% | 2,898 |
| Assets per employee ($millions) | 7.3478% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8032% | 2,934 |
| Loan loss allowance to noncurrent loans | 29,667.8571% | 12 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 5,378 |
| Noncurrent loans to loans | 0.0061% | 6,952 |
| Net loans and leases to total assets | 54.0058% | 5,159 |
| Net loans and leases to deposits | 67.7853% | 4,648 |
| Net loans and leases to core deposits | 77.0012% | 4,050 |
| Total domestic deposits to total assets | 79.6719% | 5,828 |
| Equity capital to assets | 12.6793% | 1,800 |
| Core capital (leverage) ratio | 12.2489% | 1,565 |
| Tier 1 risk-based capital ratio | 18.9488% | 1,955 |
| Total risk-based capital ratio | 20.2028% | 1,925 |
| Memoranda: | ||
| Average total assets | $786,692,500 | 838 |
| Average earning assets | $742,871,500 | 807 |
| Average equity | $95,269,250 | 723 |
| Average total loans | $454,181,000 | 937 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0525% | 2,911 |
| Cost of funding earning assets | 1.2447% | 2,289 |
| Net interest margin | 3.8078% | 3,746 |
| Noninterest income to average assets | 0.2081% | 6,176 |
| Noninterest expense to average assets | 2.8247% | 4,331 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7508% | 3,285 |
| Return on assets (ROA) | 0.7616% | 3,372 |
| Pretax return on assets | 0.9814% | 3,306 |
| Return on Equity (ROE) | 6.3980% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.3980% | 2,190 |
| Net charge-offs to loans | 0.1305% | 4,432 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 12.6237% | 1,613 |
| Efficiency ratio | 74.4844% | 3,276 |
| Assets per employee ($millions) | 7.7117% | 509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7843% | 3,044 |
| Loan loss allowance to noncurrent loans | 2,279.1781% | 197 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 4,155 |
| Noncurrent loans to loans | 0.0783% | 6,786 |
| Net loans and leases to total assets | 56.0169% | 4,992 |
| Net loans and leases to deposits | 69.4963% | 4,501 |
| Net loans and leases to core deposits | 78.7048% | 3,971 |
| Total domestic deposits to total assets | 80.6042% | 5,645 |
| Equity capital to assets | 11.7612% | 2,275 |
| Core capital (leverage) ratio | 11.9055% | 1,664 |
| Tier 1 risk-based capital ratio | 17.3720% | 2,389 |
| Total risk-based capital ratio | 18.6257% | 2,359 |
| Memoranda: | ||
| Average total assets | $769,706,670 | 871 |
| Average earning assets | $724,515,000 | 836 |
| Average equity | $91,623,000 | 746 |
| Average total loans | $452,012,330 | 959 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 2,926 |
| Cost of funding earning assets | 1.2550% | 2,469 |
| Net interest margin | 3.7810% | 3,700 |
| Noninterest income to average assets | 0.1346% | 6,742 |
| Noninterest expense to average assets | 2.8301% | 4,330 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6677% | 3,675 |
| Return on assets (ROA) | 0.6677% | 3,746 |
| Pretax return on assets | 0.8511% | 3,703 |
| Return on Equity (ROE) | 5.5727% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.5727% | 2,868 |
| Net charge-offs to loans | -0.0009% | 6,167 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8794% | 3,001 |
| Assets per employee ($millions) | 7.1705% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9274% | 2,605 |
| Loan loss allowance to noncurrent loans | 1,733.6016% | 245 |
| Noncurrent assets plus other real estate owned to assets | 1.5822% | 3,873 |
| Noncurrent loans to loans | 0.1112% | 6,772 |
| Net loans and leases to total assets | 58.2301% | 4,608 |
| Net loans and leases to deposits | 73.0802% | 3,912 |
| Net loans and leases to core deposits | 83.4360% | 3,238 |
| Total domestic deposits to total assets | 79.6797% | 6,023 |
| Equity capital to assets | 12.1544% | 1,827 |
| Core capital (leverage) ratio | 12.3949% | 1,374 |
| Tier 1 risk-based capital ratio | 18.0631% | 2,094 |
| Total risk-based capital ratio | 19.3186% | 2,060 |
| Memoranda: | ||
| Average total assets | $745,838,000 | 899 |
| Average earning assets | $699,597,500 | 872 |
| Average equity | $89,364,000 | 752 |
| Average total loans | $444,905,500 | 978 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 4,674 |
| Cost of funding earning assets | 1.4121% | 3,189 |
| Net interest margin | 3.5630% | 4,987 |
| Noninterest income to average assets | -0.2454% | 7,489 |
| Noninterest expense to average assets | 2.5868% | 5,467 |
| Loan and lease loss provision to assets | -0.1810% | 7,620 |
| Net operating income to assets | 0.4942% | 4,126 |
| Return on assets (ROA) | 0.6329% | 3,675 |
| Pretax return on assets | 0.8870% | 3,345 |
| Return on Equity (ROE) | 5.3623% | 3,923 |
| Retained earnings to average equity (ytd only) | 5.3623% | 2,209 |
| Net charge-offs to loans | 0.1611% | 5,372 |
| Credit loss provision to net charge-offs | -172.1939% | 7,052 |
| Earnings coverage of net charge-offs (x) | 4.8571% | 2,780 |
| Efficiency ratio | 83.5130% | 1,982 |
| Assets per employee ($millions) | 6.9696% | 749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9454% | 2,426 |
| Loan loss allowance to noncurrent loans | 4,785.5556% | 106 |
| Noncurrent assets plus other real estate owned to assets | 1.6120% | 3,898 |
| Noncurrent loans to loans | 0.0407% | 7,027 |
| Net loans and leases to total assets | 58.7684% | 4,906 |
| Net loans and leases to deposits | 74.5078% | 4,114 |
| Net loans and leases to core deposits | 88.5029% | 2,983 |
| Total domestic deposits to total assets | 78.8755% | 6,111 |
| Equity capital to assets | 11.8057% | 2,037 |
| Core capital (leverage) ratio | 12.1302% | 1,466 |
| Tier 1 risk-based capital ratio | 17.8136% | 2,061 |
| Total risk-based capital ratio | 19.0691% | 2,018 |
| Memoranda: | ||
| Average total assets | $745,656,200 | 907 |
| Average earning assets | $699,615,600 | 879 |
| Average equity | $88,004,000 | 763 |
| Average total loans | $486,554,600 | 923 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9723% | 4,938 |
| Cost of funding earning assets | 1.4283% | 3,400 |
| Net interest margin | 3.5439% | 5,125 |
| Noninterest income to average assets | -0.2951% | 7,629 |
| Noninterest expense to average assets | 2.6603% | 5,065 |
| Loan and lease loss provision to assets | -0.1784% | 7,712 |
| Net operating income to assets | 0.3868% | 4,808 |
| Return on assets (ROA) | 0.5680% | 4,183 |
| Pretax return on assets | 0.8048% | 3,886 |
| Return on Equity (ROE) | 4.8132% | 4,394 |
| Retained earnings to average equity (ytd only) | 4.8132% | 3,115 |
| Net charge-offs to loans | 0.1828% | 4,862 |
| Credit loss provision to net charge-offs | -146.6276% | 6,930 |
| Earnings coverage of net charge-offs (x) | 3.0499% | 3,611 |
| Efficiency ratio | 87.7589% | 1,472 |
| Assets per employee ($millions) | 7.2184% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0033% | 2,210 |
| Loan loss allowance to noncurrent loans | 2,539.4958% | 142 |
| Noncurrent assets plus other real estate owned to assets | 1.7579% | 3,806 |
| Noncurrent loans to loans | 0.0789% | 7,046 |
| Net loans and leases to total assets | 60.2322% | 4,863 |
| Net loans and leases to deposits | 75.9529% | 4,187 |
| Net loans and leases to core deposits | 94.1833% | 2,505 |
| Total domestic deposits to total assets | 79.3021% | 5,934 |
| Equity capital to assets | 12.3149% | 1,962 |
| Core capital (leverage) ratio | 11.8278% | 1,751 |
| Tier 1 risk-based capital ratio | 17.5092% | 2,171 |
| Total risk-based capital ratio | 18.7659% | 2,141 |
| Memoranda: | ||
| Average total assets | $747,375,750 | 907 |
| Average earning assets | $701,499,000 | 882 |
| Average equity | $88,200,500 | 755 |
| Average total loans | $497,497,750 | 904 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8951% | 5,413 |
| Cost of funding earning assets | 1.4135% | 3,791 |
| Net interest margin | 3.4816% | 5,317 |
| Noninterest income to average assets | -0.2317% | 7,690 |
| Noninterest expense to average assets | 2.6676% | 5,047 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2574% | 5,346 |
| Return on assets (ROA) | 0.3198% | 5,270 |
| Pretax return on assets | 0.4601% | 5,030 |
| Return on Equity (ROE) | 2.7490% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.7490% | 4,382 |
| Net charge-offs to loans | 0.2474% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 2.1972% | 3,919 |
| Efficiency ratio | 87.7925% | 1,529 |
| Assets per employee ($millions) | 7.7923% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0383% | 2,100 |
| Loan loss allowance to noncurrent loans | 1,235.0427% | 284 |
| Noncurrent assets plus other real estate owned to assets | 1.6192% | 4,015 |
| Noncurrent loans to loans | 0.1650% | 6,931 |
| Net loans and leases to total assets | 62.3864% | 4,606 |
| Net loans and leases to deposits | 77.3123% | 4,113 |
| Net loans and leases to core deposits | 99.2708% | 2,092 |
| Total domestic deposits to total assets | 80.6940% | 5,511 |
| Equity capital to assets | 11.3160% | 2,583 |
| Core capital (leverage) ratio | 11.9828% | 1,646 |
| Tier 1 risk-based capital ratio | 15.6907% | 2,809 |
| Total risk-based capital ratio | 16.9479% | 2,770 |
| Memoranda: | ||
| Average total assets | $751,075,330 | 902 |
| Average earning assets | $705,483,330 | 873 |
| Average equity | $87,376,670 | 749 |
| Average total loans | $512,483,000 | 890 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 4,500 |
| Cost of funding earning assets | 1.4432% | 3,917 |
| Net interest margin | 3.6634% | 4,421 |
| Noninterest income to average assets | -0.5645% | 7,869 |
| Noninterest expense to average assets | 2.6133% | 5,298 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1765% | 5,767 |
| Return on assets (ROA) | 0.2334% | 5,678 |
| Pretax return on assets | 0.3446% | 5,477 |
| Return on Equity (ROE) | 1.9775% | 5,773 |
| Retained earnings to average equity (ytd only) | 1.9775% | 4,948 |
| Net charge-offs to loans | 0.2082% | 3,670 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 1.7749% | 3,670 |
| Efficiency ratio | 90.9177% | 1,360 |
| Assets per employee ($millions) | 7.0541% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0655% | 2,031 |
| Loan loss allowance to noncurrent loans | 229.9605% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 1.9369% | 3,577 |
| Noncurrent loans to loans | 0.8982% | 5,522 |
| Net loans and leases to total assets | 69.7244% | 3,002 |
| Net loans and leases to deposits | 88.1574% | 2,196 |
| Net loans and leases to core deposits | 122.9081% | 674 |
| Total domestic deposits to total assets | 79.0908% | 6,058 |
| Equity capital to assets | 12.2778% | 1,892 |
| Core capital (leverage) ratio | 11.7527% | 1,774 |
| Tier 1 risk-based capital ratio | 15.3920% | 2,923 |
| Total risk-based capital ratio | 16.6497% | 2,874 |
| Memoranda: | ||
| Average total assets | $737,000,000 | 936 |
| Average earning assets | $691,807,500 | 911 |
| Average equity | $86,976,500 | 761 |
| Average total loans | $520,601,500 | 900 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3551% | 4,918 |
| Cost of funding earning assets | 1.8599% | 3,676 |
| Net interest margin | 3.4953% | 4,976 |
| Noninterest income to average assets | 0.0555% | 7,480 |
| Noninterest expense to average assets | 2.5783% | 5,872 |
| Loan and lease loss provision to assets | 0.9466% | 2,381 |
| Net operating income to assets | -0.1217% | 5,710 |
| Return on assets (ROA) | 0.2431% | 4,829 |
| Pretax return on assets | 0.3614% | 4,607 |
| Return on Equity (ROE) | 2.2842% | 4,794 |
| Retained earnings to average equity (ytd only) | 2.2842% | 3,517 |
| Net charge-offs to loans | 0.5223% | 3,690 |
| Credit loss provision to net charge-offs | 251.9986% | 1,404 |
| Earnings coverage of net charge-offs (x) | 2.0327% | 4,203 |
| Efficiency ratio | 77.1518% | 3,338 |
| Assets per employee ($millions) | 7.3936% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0129% | 1,989 |
| Loan loss allowance to noncurrent loans | 817.3384% | 421 |
| Noncurrent assets plus other real estate owned to assets | 1.3783% | 4,357 |
| Noncurrent loans to loans | 0.2463% | 6,808 |
| Net loans and leases to total assets | 68.7054% | 3,547 |
| Net loans and leases to deposits | 85.5264% | 2,995 |
| Net loans and leases to core deposits | 158.7626% | 354 |
| Total domestic deposits to total assets | 80.3324% | 5,572 |
| Equity capital to assets | 11.3557% | 2,428 |
| Core capital (leverage) ratio | 11.1572% | 2,139 |
| Tier 1 risk-based capital ratio | 14.3559% | 3,288 |
| Total risk-based capital ratio | 15.6128% | 3,234 |
| Memoranda: | ||
| Average total assets | $765,901,600 | 897 |
| Average earning assets | $720,111,600 | 868 |
| Average equity | $81,518,200 | 797 |
| Average total loans | $550,873,000 | 869 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3488% | 5,179 |
| Cost of funding earning assets | 1.9121% | 3,815 |
| Net interest margin | 3.4367% | 5,127 |
| Noninterest income to average assets | 0.0367% | 7,706 |
| Noninterest expense to average assets | 2.5768% | 5,797 |
| Loan and lease loss provision to assets | 0.9648% | 1,989 |
| Net operating income to assets | -0.1766% | 6,023 |
| Return on assets (ROA) | 0.2086% | 5,208 |
| Pretax return on assets | 0.3209% | 5,004 |
| Return on Equity (ROE) | 1.9930% | 5,159 |
| Retained earnings to average equity (ytd only) | 1.9930% | 4,212 |
| Net charge-offs to loans | 0.6413% | 2,757 |
| Credit loss provision to net charge-offs | 207.8652% | 2,127 |
| Earnings coverage of net charge-offs (x) | 1.4933% | 4,665 |
| Efficiency ratio | 78.8038% | 3,033 |
| Assets per employee ($millions) | 7.6980% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 2,805 |
| Loan loss allowance to noncurrent loans | 4,407.6190% | 90 |
| Noncurrent assets plus other real estate owned to assets | 1.2575% | 4,549 |
| Noncurrent loans to loans | 0.0375% | 7,420 |
| Net loans and leases to total assets | 70.8962% | 3,294 |
| Net loans and leases to deposits | 90.7017% | 2,447 |
| Net loans and leases to core deposits | 174.2437% | 230 |
| Total domestic deposits to total assets | 78.1642% | 6,034 |
| Equity capital to assets | 11.0555% | 2,969 |
| Core capital (leverage) ratio | 11.1032% | 2,332 |
| Tier 1 risk-based capital ratio | 13.5517% | 3,812 |
| Total risk-based capital ratio | 14.8045% | 3,746 |
| Memoranda: | ||
| Average total assets | $766,992,500 | 907 |
| Average earning assets | $721,563,750 | 875 |
| Average equity | $80,278,250 | 818 |
| Average total loans | $555,099,750 | 878 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3204% | 5,550 |
| Cost of funding earning assets | 1.9786% | 3,877 |
| Net interest margin | 3.3418% | 5,398 |
| Noninterest income to average assets | -0.0361% | 8,001 |
| Noninterest expense to average assets | 2.8558% | 4,703 |
| Loan and lease loss provision to assets | 0.7204% | 2,276 |
| Net operating income to assets | -0.3069% | 6,327 |
| Return on assets (ROA) | 0.1978% | 5,351 |
| Pretax return on assets | 0.3209% | 5,161 |
| Return on Equity (ROE) | 1.9264% | 5,330 |
| Retained earnings to average equity (ytd only) | 1.9264% | 4,269 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8682% | 1,647 |
| Assets per employee ($millions) | 7.6026% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6589% | 2,492 |
| Loan loss allowance to noncurrent loans | 24,015.7895% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.9135% | 5,150 |
| Noncurrent loans to loans | 0.0069% | 7,548 |
| Net loans and leases to total assets | 71.1613% | 3,430 |
| Net loans and leases to deposits | 95.6505% | 1,852 |
| Net loans and leases to core deposits | 174.6015% | 271 |
| Total domestic deposits to total assets | 74.3972% | 6,893 |
| Equity capital to assets | 11.0354% | 2,889 |
| Core capital (leverage) ratio | 11.3031% | 2,191 |
| Tier 1 risk-based capital ratio | 13.6164% | 3,746 |
| Total risk-based capital ratio | 14.8690% | 3,669 |
| Memoranda: | ||
| Average total assets | $763,492,330 | 923 |
| Average earning assets | $718,482,000 | 890 |
| Average equity | $78,385,670 | 846 |
| Average total loans | $553,310,000 | 903 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2840% | 5,955 |
| Cost of funding earning assets | 2.0538% | 3,851 |
| Net interest margin | 3.2302% | 5,757 |
| Noninterest income to average assets | 0.0999% | 7,542 |
| Noninterest expense to average assets | 3.4703% | 2,169 |
| Loan and lease loss provision to assets | 0.2614% | 3,871 |
| Net operating income to assets | -0.4284% | 6,810 |
| Return on assets (ROA) | 0.1678% | 5,929 |
| Pretax return on assets | 0.3372% | 5,567 |
| Return on Equity (ROE) | 1.6977% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.6977% | 4,898 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6149% | 792 |
| Assets per employee ($millions) | 7.8999% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2183% | 4,679 |
| Loan loss allowance to noncurrent loans | 474.8619% | 739 |
| Noncurrent assets plus other real estate owned to assets | 1.5934% | 3,528 |
| Noncurrent loans to loans | 0.2566% | 6,796 |
| Net loans and leases to total assets | 72.0152% | 3,241 |
| Net loans and leases to deposits | 100.1831% | 1,390 |
| Net loans and leases to core deposits | 169.9916% | 344 |
| Total domestic deposits to total assets | 71.8836% | 7,223 |
| Equity capital to assets | 10.9158% | 3,048 |
| Core capital (leverage) ratio | 11.2633% | 2,297 |
| Tier 1 risk-based capital ratio | 13.1788% | 4,066 |
| Total risk-based capital ratio | 14.2559% | 4,100 |
| Memoranda: | ||
| Average total assets | $765,110,500 | 915 |
| Average earning assets | $719,451,000 | 890 |
| Average equity | $75,630,000 | 882 |
| Average total loans | $554,898,000 | 906 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1656% | 4,695 |
| Cost of funding earning assets | 2.7793% | 2,790 |
| Net interest margin | 3.3862% | 5,716 |
| Noninterest income to average assets | 0.0752% | 7,765 |
| Noninterest expense to average assets | 2.7851% | 4,885 |
| Loan and lease loss provision to assets | 0.2897% | 4,062 |
| Net operating income to assets | 0.1100% | 6,087 |
| Return on assets (ROA) | 0.2544% | 5,510 |
| Pretax return on assets | 0.3808% | 5,314 |
| Return on Equity (ROE) | 2.7983% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.7983% | 3,441 |
| Net charge-offs to loans | 0.0429% | 6,176 |
| Credit loss provision to net charge-offs | 852.1739% | 517 |
| Earnings coverage of net charge-offs (x) | 13.3826% | 2,132 |
| Efficiency ratio | 85.9574% | 1,854 |
| Assets per employee ($millions) | 7.7146% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1691% | 4,785 |
| Loan loss allowance to noncurrent loans | 117.7470% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.9490% | 2,522 |
| Noncurrent loans to loans | 0.9929% | 4,610 |
| Net loans and leases to total assets | 71.2947% | 3,731 |
| Net loans and leases to deposits | 88.7562% | 3,677 |
| Net loans and leases to core deposits | 131.7564% | 1,738 |
| Total domestic deposits to total assets | 80.3264% | 4,899 |
| Equity capital to assets | 8.8291% | 5,606 |
| Core capital (leverage) ratio | 9.0433% | 4,680 |
| Tier 1 risk-based capital ratio | 10.8143% | 5,897 |
| Total risk-based capital ratio | 11.8655% | 5,981 |
| Memoranda: | ||
| Average total assets | $676,483,800 | 984 |
| Average earning assets | $632,270,200 | 960 |
| Average equity | $61,501,800 | 1,091 |
| Average total loans | $536,224,800 | 891 |