Home > Square 1 Bank > Performance and Condition Ratios
Square 1 Bank, Performance and Condition Ratios
| 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 | 3.6633% | 4,543 |
| Cost of funding earning assets | 0.0232% | 6,225 |
| Net interest margin | 3.6401% | 2,996 |
| Noninterest income to average assets | 0.7447% | 2,048 |
| Noninterest expense to average assets | 2.1290% | 5,220 |
| Loan and lease loss provision to assets | 0.5113% | 202 |
| Net operating income to assets | 1.1938% | 1,674 |
| Return on assets (ROA) | 1.2256% | 1,630 |
| Pretax return on assets | 1.6651% | 1,199 |
| Return on Equity (ROE) | 14.0348% | 898 |
| Retained earnings to average equity (ytd only) | 13.6095% | 233 |
| Net charge-offs to loans | 0.6704% | 322 |
| Credit loss provision to net charge-offs | 185.1668% | 1,431 |
| Earnings coverage of net charge-offs (x) | 7.7262% | 2,884 |
| Efficiency ratio | 49.8654% | 5,785 |
| Assets per employee ($millions) | 13.7642% | 100 |
| Cash dividends to net income (ytd only)* | 3.0298% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8569% | 1,156 |
| Loan loss allowance to noncurrent loans | 130.8422% | 3,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5541% | 3,643 |
| Noncurrent loans to loans | 1.4192% | 1,785 |
| Net loans and leases to total assets | 38.3172% | 5,680 |
| Net loans and leases to deposits | 41.9560% | 5,806 |
| Net loans and leases to core deposits | 42.0031% | 5,856 |
| Total domestic deposits to total assets | 91.3271% | 182 |
| Equity capital to assets | 8.2686% | 5,839 |
| Core capital (leverage) ratio | 7.9023% | 5,946 |
| Tier 1 risk-based capital ratio | 11.7858% | 5,216 |
| Total risk-based capital ratio | 12.9351% | 5,196 |
| Memoranda: | ||
| Average total assets | $3,590,566,000 | 247 |
| Average earning assets | $3,469,828,750 | 236 |
| Average equity | $313,546,750 | 300 |
| Average total loans | $1,478,900,000 | 355 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6739% | 4,491 |
| Cost of funding earning assets | 0.0270% | 6,295 |
| Net interest margin | 3.6470% | 2,916 |
| Noninterest income to average assets | 0.7479% | 2,004 |
| Noninterest expense to average assets | 2.1463% | 5,231 |
| Loan and lease loss provision to assets | 0.5347% | 179 |
| Net operating income to assets | 1.0892% | 1,986 |
| Return on assets (ROA) | 1.1221% | 1,959 |
| Pretax return on assets | 1.6358% | 1,238 |
| Return on Equity (ROE) | 12.5882% | 1,200 |
| Retained earnings to average equity (ytd only) | 12.5882% | 343 |
| Net charge-offs to loans | 0.9776% | 214 |
| Credit loss provision to net charge-offs | 130.1428% | 1,697 |
| Earnings coverage of net charge-offs (x) | 5.1668% | 2,950 |
| Efficiency ratio | 50.2619% | 5,843 |
| Assets per employee ($millions) | 13.9425% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6515% | 1,739 |
| Loan loss allowance to noncurrent loans | 139.5830% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4595% | 4,096 |
| Noncurrent loans to loans | 1.1832% | 2,286 |
| Net loans and leases to total assets | 38.1926% | 5,728 |
| Net loans and leases to deposits | 41.7930% | 5,848 |
| Net loans and leases to core deposits | 41.9003% | 5,901 |
| Total domestic deposits to total assets | 91.3851% | 213 |
| Equity capital to assets | 8.1257% | 5,925 |
| Core capital (leverage) ratio | 8.8186% | 5,206 |
| Tier 1 risk-based capital ratio | 11.7858% | 5,289 |
| Total risk-based capital ratio | 12.8203% | 5,334 |
| Memoranda: | ||
| Average total assets | $3,443,117,670 | 258 |
| Average earning assets | $3,324,403,000 | 244 |
| Average equity | $306,906,670 | 305 |
| Average total loans | $1,447,021,000 | 362 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7977% | 4,020 |
| Cost of funding earning assets | 0.0330% | 6,362 |
| Net interest margin | 3.7646% | 2,376 |
| Noninterest income to average assets | 0.8067% | 1,690 |
| Noninterest expense to average assets | 2.2071% | 5,124 |
| Loan and lease loss provision to assets | 0.6782% | 136 |
| Net operating income to assets | 1.0977% | 1,879 |
| Return on assets (ROA) | 1.0797% | 2,052 |
| Pretax return on assets | 1.5282% | 1,471 |
| Return on Equity (ROE) | 11.4956% | 1,483 |
| Retained earnings to average equity (ytd only) | 11.4956% | 645 |
| Net charge-offs to loans | 1.0231% | 232 |
| Credit loss provision to net charge-offs | 150.7611% | 1,239 |
| Earnings coverage of net charge-offs (x) | 4.9613% | 2,432 |
| Efficiency ratio | 49.7363% | 5,932 |
| Assets per employee ($millions) | 12.3303% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6732% | 1,810 |
| Loan loss allowance to noncurrent loans | 135.3411% | 2,997 |
| Noncurrent assets plus other real estate owned to assets | 0.5491% | 3,847 |
| Noncurrent loans to loans | 1.2363% | 2,310 |
| Net loans and leases to total assets | 43.6697% | 5,375 |
| Net loans and leases to deposits | 48.2937% | 5,550 |
| Net loans and leases to core deposits | 48.4972% | 5,649 |
| Total domestic deposits to total assets | 90.4252% | 555 |
| Equity capital to assets | 9.2939% | 4,978 |
| Core capital (leverage) ratio | 9.3348% | 4,516 |
| Tier 1 risk-based capital ratio | 11.4142% | 5,598 |
| Total risk-based capital ratio | 12.4186% | 5,641 |
| Memoranda: | ||
| Average total assets | $3,212,733,000 | 266 |
| Average earning assets | $3,099,678,500 | 255 |
| Average equity | $301,751,500 | 305 |
| Average total loans | $1,412,515,500 | 362 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0163% | 3,668 |
| Cost of funding earning assets | 0.0227% | 6,467 |
| Net interest margin | 3.9936% | 1,919 |
| Noninterest income to average assets | 0.9141% | 1,460 |
| Noninterest expense to average assets | 2.4111% | 4,815 |
| Loan and lease loss provision to assets | 0.4632% | 354 |
| Net operating income to assets | 1.2739% | 1,361 |
| Return on assets (ROA) | 1.2675% | 1,434 |
| Pretax return on assets | 1.8521% | 710 |
| Return on Equity (ROE) | 13.2373% | 1,087 |
| Retained earnings to average equity (ytd only) | 13.2373% | 211 |
| Net charge-offs to loans | 0.6838% | 544 |
| Credit loss provision to net charge-offs | 155.9787% | 1,555 |
| Earnings coverage of net charge-offs (x) | 7.8280% | 2,970 |
| Efficiency ratio | 50.8367% | 6,049 |
| Assets per employee ($millions) | 12.0011% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7011% | 1,771 |
| Loan loss allowance to noncurrent loans | 132.8673% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5568% | 3,939 |
| Noncurrent loans to loans | 1.2803% | 2,314 |
| Net loans and leases to total assets | 42.7462% | 5,562 |
| Net loans and leases to deposits | 47.4989% | 5,714 |
| Net loans and leases to core deposits | 47.7367% | 5,826 |
| Total domestic deposits to total assets | 89.9941% | 732 |
| Equity capital to assets | 9.4983% | 4,728 |
| Core capital (leverage) ratio | 9.4408% | 4,319 |
| Tier 1 risk-based capital ratio | 13.4797% | 4,426 |
| Total risk-based capital ratio | 14.6062% | 4,434 |
| Memoranda: | ||
| Average total assets | $2,723,243,200 | 285 |
| Average earning assets | $2,606,019,200 | 274 |
| Average equity | $260,762,400 | 322 |
| Average total loans | $1,182,741,400 | 397 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9791% | 3,839 |
| Cost of funding earning assets | 0.0226% | 6,548 |
| Net interest margin | 3.9564% | 2,012 |
| Noninterest income to average assets | 0.9138% | 1,479 |
| Noninterest expense to average assets | 2.4450% | 4,677 |
| Loan and lease loss provision to assets | 0.4367% | 363 |
| Net operating income to assets | 1.2518% | 1,521 |
| Return on assets (ROA) | 1.2437% | 1,598 |
| Pretax return on assets | 1.7957% | 902 |
| Return on Equity (ROE) | 12.9580% | 1,229 |
| Retained earnings to average equity (ytd only) | 12.9580% | 332 |
| Net charge-offs to loans | 0.4876% | 801 |
| Credit loss provision to net charge-offs | 206.2739% | 1,234 |
| Earnings coverage of net charge-offs (x) | 10.5999% | 2,527 |
| Efficiency ratio | 52.1255% | 5,981 |
| Assets per employee ($millions) | 11.7956% | 148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7945% | 1,701 |
| Loan loss allowance to noncurrent loans | 192.9798% | 2,212 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 4,733 |
| Noncurrent loans to loans | 0.9299% | 3,239 |
| Net loans and leases to total assets | 41.8404% | 5,687 |
| Net loans and leases to deposits | 46.7947% | 5,833 |
| Net loans and leases to core deposits | 47.0438% | 5,922 |
| Total domestic deposits to total assets | 89.4128% | 1,021 |
| Equity capital to assets | 9.6358% | 4,627 |
| Core capital (leverage) ratio | 9.8317% | 3,903 |
| Tier 1 risk-based capital ratio | 13.3982% | 4,606 |
| Total risk-based capital ratio | 14.5444% | 4,612 |
| Memoranda: | ||
| Average total assets | $2,629,982,500 | 287 |
| Average earning assets | $2,509,533,250 | 276 |
| Average equity | $252,429,750 | 326 |
| Average total loans | $1,141,814,500 | 409 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0000% | 3,726 |
| Cost of funding earning assets | 0.0230% | 6,613 |
| Net interest margin | 3.9770% | 1,880 |
| Noninterest income to average assets | 0.9764% | 1,265 |
| Noninterest expense to average assets | 2.5184% | 4,522 |
| Loan and lease loss provision to assets | 0.4868% | 308 |
| Net operating income to assets | 1.2311% | 1,503 |
| Return on assets (ROA) | 1.2314% | 1,561 |
| Pretax return on assets | 1.7647% | 906 |
| Return on Equity (ROE) | 12.8498% | 1,218 |
| Retained earnings to average equity (ytd only) | 12.8498% | 348 |
| Net charge-offs to loans | 0.5345% | 763 |
| Credit loss provision to net charge-offs | 208.2425% | 1,128 |
| Earnings coverage of net charge-offs (x) | 9.6298% | 2,339 |
| Efficiency ratio | 52.7753% | 6,009 |
| Assets per employee ($millions) | 11.2935% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8718% | 1,649 |
| Loan loss allowance to noncurrent loans | 175.5518% | 2,374 |
| Noncurrent assets plus other real estate owned to assets | 0.4474% | 4,660 |
| Noncurrent loans to loans | 1.0662% | 3,099 |
| Net loans and leases to total assets | 41.1781% | 5,732 |
| Net loans and leases to deposits | 46.2086% | 5,873 |
| Net loans and leases to core deposits | 46.7535% | 5,962 |
| Total domestic deposits to total assets | 89.1134% | 1,294 |
| Equity capital to assets | 10.0923% | 3,980 |
| Core capital (leverage) ratio | 10.1830% | 3,366 |
| Tier 1 risk-based capital ratio | 14.3727% | 4,012 |
| Total risk-based capital ratio | 15.5612% | 3,989 |
| Memoranda: | ||
| Average total assets | $2,511,879,330 | 297 |
| Average earning assets | $2,395,785,330 | 285 |
| Average equity | $240,720,000 | 337 |
| Average total loans | $1,098,600,670 | 420 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9928% | 3,715 |
| Cost of funding earning assets | 0.0234% | 6,684 |
| Net interest margin | 3.9693% | 1,860 |
| Noninterest income to average assets | 1.1748% | 808 |
| Noninterest expense to average assets | 2.5565% | 4,422 |
| Loan and lease loss provision to assets | 0.4949% | 304 |
| Net operating income to assets | 1.3470% | 1,106 |
| Return on assets (ROA) | 1.3431% | 1,162 |
| Pretax return on assets | 1.9059% | 643 |
| Return on Equity (ROE) | 14.4548% | 868 |
| Retained earnings to average equity (ytd only) | 14.4548% | 363 |
| Net charge-offs to loans | 0.8387% | 412 |
| Credit loss provision to net charge-offs | 131.8505% | 1,372 |
| Earnings coverage of net charge-offs (x) | 6.4110% | 2,226 |
| Efficiency ratio | 51.5527% | 6,157 |
| Assets per employee ($millions) | 10.2816% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7991% | 2,044 |
| Loan loss allowance to noncurrent loans | 198.6475% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3895% | 4,977 |
| Noncurrent loans to loans | 0.9057% | 3,615 |
| Net loans and leases to total assets | 42.2355% | 5,645 |
| Net loans and leases to deposits | 47.5581% | 5,759 |
| Net loans and leases to core deposits | 48.2067% | 5,863 |
| Total domestic deposits to total assets | 88.8083% | 1,772 |
| Equity capital to assets | 10.3246% | 3,432 |
| Core capital (leverage) ratio | 10.6682% | 2,742 |
| Tier 1 risk-based capital ratio | 14.5053% | 4,006 |
| Total risk-based capital ratio | 15.6110% | 4,048 |
| Memoranda: | ||
| Average total assets | $2,395,656,500 | 310 |
| Average earning assets | $2,286,220,500 | 293 |
| Average equity | $222,597,500 | 356 |
| Average total loans | $1,072,093,000 | 429 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9177% | 4,396 |
| Cost of funding earning assets | 0.0351% | 6,760 |
| Net interest margin | 3.8826% | 2,359 |
| Noninterest income to average assets | 1.1946% | 990 |
| Noninterest expense to average assets | 2.6026% | 4,452 |
| Loan and lease loss provision to assets | 0.6373% | 382 |
| Net operating income to assets | 1.1306% | 1,831 |
| Return on assets (ROA) | 1.1298% | 1,899 |
| Pretax return on assets | 1.6452% | 1,061 |
| Return on Equity (ROE) | 13.2424% | 1,122 |
| Retained earnings to average equity (ytd only) | 13.2424% | 234 |
| Net charge-offs to loans | 0.9384% | 641 |
| Credit loss provision to net charge-offs | 151.7399% | 1,528 |
| Earnings coverage of net charge-offs (x) | 5.4373% | 3,301 |
| Efficiency ratio | 53.2627% | 6,195 |
| Assets per employee ($millions) | 10.3738% | 205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7307% | 2,298 |
| Loan loss allowance to noncurrent loans | 129.4426% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.6231% | 4,372 |
| Noncurrent loans to loans | 1.3371% | 2,902 |
| Net loans and leases to total assets | 45.7950% | 5,510 |
| Net loans and leases to deposits | 50.5094% | 5,731 |
| Net loans and leases to core deposits | 51.1522% | 5,863 |
| Total domestic deposits to total assets | 90.6664% | 720 |
| Equity capital to assets | 8.1949% | 5,878 |
| Core capital (leverage) ratio | 8.1599% | 6,010 |
| Tier 1 risk-based capital ratio | 11.8211% | 5,727 |
| Total risk-based capital ratio | 12.9743% | 5,723 |
| Memoranda: | ||
| Average total assets | $2,086,863,600 | 341 |
| Average earning assets | $1,984,279,800 | 327 |
| Average equity | $178,049,000 | 426 |
| Average total loans | $934,008,400 | 455 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8184% | 4,778 |
| Cost of funding earning assets | 0.0350% | 6,842 |
| Net interest margin | 3.7834% | 2,707 |
| Noninterest income to average assets | 1.1709% | 1,071 |
| Noninterest expense to average assets | 2.5937% | 4,412 |
| Loan and lease loss provision to assets | 0.6142% | 389 |
| Net operating income to assets | 1.0589% | 2,152 |
| Return on assets (ROA) | 1.0665% | 2,218 |
| Pretax return on assets | 1.5663% | 1,425 |
| Return on Equity (ROE) | 12.3603% | 1,380 |
| Retained earnings to average equity (ytd only) | 12.3603% | 383 |
| Net charge-offs to loans | 0.7568% | 791 |
| Credit loss provision to net charge-offs | 183.4971% | 1,319 |
| Earnings coverage of net charge-offs (x) | 6.4811% | 2,964 |
| Efficiency ratio | 54.4558% | 6,064 |
| Assets per employee ($millions) | 9.6178% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7758% | 2,381 |
| Loan loss allowance to noncurrent loans | 134.6306% | 2,757 |
| Noncurrent assets plus other real estate owned to assets | 0.6210% | 4,576 |
| Noncurrent loans to loans | 1.3191% | 3,210 |
| Net loans and leases to total assets | 46.2450% | 5,526 |
| Net loans and leases to deposits | 53.4803% | 5,584 |
| Net loans and leases to core deposits | 54.2548% | 5,746 |
| Total domestic deposits to total assets | 86.4711% | 2,978 |
| Equity capital to assets | 8.2356% | 5,970 |
| Core capital (leverage) ratio | 8.5625% | 5,710 |
| Tier 1 risk-based capital ratio | 11.6439% | 5,986 |
| Total risk-based capital ratio | 12.8171% | 5,992 |
| Memoranda: | ||
| Average total assets | $2,027,644,750 | 354 |
| Average earning assets | $1,925,106,250 | 331 |
| Average equity | $174,954,250 | 436 |
| Average total loans | $896,785,750 | 468 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7333% | 5,040 |
| Cost of funding earning assets | 0.0339% | 6,895 |
| Net interest margin | 3.6993% | 2,960 |
| Noninterest income to average assets | 1.1615% | 1,128 |
| Noninterest expense to average assets | 2.6179% | 4,322 |
| Loan and lease loss provision to assets | 0.6548% | 374 |
| Net operating income to assets | 0.9551% | 2,538 |
| Return on assets (ROA) | 0.9623% | 2,650 |
| Pretax return on assets | 1.4086% | 1,899 |
| Return on Equity (ROE) | 10.9705% | 1,817 |
| Retained earnings to average equity (ytd only) | 10.9705% | 649 |
| Net charge-offs to loans | 0.4943% | 1,321 |
| Credit loss provision to net charge-offs | 306.7108% | 840 |
| Earnings coverage of net charge-offs (x) | 9.6153% | 2,255 |
| Efficiency ratio | 56.0486% | 5,961 |
| Assets per employee ($millions) | 9.9575% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0112% | 1,825 |
| Loan loss allowance to noncurrent loans | 131.8926% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 0.6363% | 4,641 |
| Noncurrent loans to loans | 1.5249% | 3,016 |
| Net loans and leases to total assets | 40.8868% | 5,979 |
| Net loans and leases to deposits | 45.6478% | 6,131 |
| Net loans and leases to core deposits | 46.3087% | 6,222 |
| Total domestic deposits to total assets | 89.5703% | 1,278 |
| Equity capital to assets | 8.0131% | 6,187 |
| Core capital (leverage) ratio | 8.6747% | 5,456 |
| Tier 1 risk-based capital ratio | 12.1922% | 5,684 |
| Total risk-based capital ratio | 13.4426% | 5,630 |
| Memoranda: | ||
| Average total assets | $1,982,191,330 | 364 |
| Average earning assets | $1,880,334,000 | 341 |
| Average equity | $173,866,000 | 435 |
| Average total loans | $856,101,670 | 486 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8054% | 4,809 |
| Cost of funding earning assets | 0.0326% | 6,976 |
| Net interest margin | 3.7728% | 2,550 |
| Noninterest income to average assets | 0.9221% | 1,686 |
| Noninterest expense to average assets | 2.7018% | 4,052 |
| Loan and lease loss provision to assets | 0.5848% | 438 |
| Net operating income to assets | 0.8211% | 3,043 |
| Return on assets (ROA) | 0.7782% | 3,424 |
| Pretax return on assets | 1.1543% | 2,746 |
| Return on Equity (ROE) | 8.4521% | 2,745 |
| Retained earnings to average equity (ytd only) | 8.4521% | 1,581 |
| Net charge-offs to loans | -0.0914% | 6,409 |
| Credit loss provision to net charge-offs | -1,452.6316% | 5,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9755% | 5,591 |
| Assets per employee ($millions) | 9.4934% | 270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1005% | 1,793 |
| Loan loss allowance to noncurrent loans | 92.9279% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 4,107 |
| Noncurrent loans to loans | 2.2604% | 2,317 |
| Net loans and leases to total assets | 39.6362% | 6,024 |
| Net loans and leases to deposits | 44.0924% | 6,199 |
| Net loans and leases to core deposits | 44.5449% | 6,286 |
| Total domestic deposits to total assets | 89.8935% | 1,112 |
| Equity capital to assets | 8.9160% | 5,594 |
| Core capital (leverage) ratio | 9.1720% | 4,609 |
| Tier 1 risk-based capital ratio | 14.2723% | 4,310 |
| Total risk-based capital ratio | 15.5246% | 4,278 |
| Memoranda: | ||
| Average total assets | $1,887,916,000 | 373 |
| Average earning assets | $1,792,835,000 | 359 |
| Average equity | $173,827,000 | 440 |
| Average total loans | $831,270,000 | 500 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1291% | 4,846 |
| Cost of funding earning assets | 0.0304% | 7,046 |
| Net interest margin | 4.0987% | 2,010 |
| Noninterest income to average assets | 0.8849% | 1,915 |
| Noninterest expense to average assets | 2.8062% | 4,006 |
| Loan and lease loss provision to assets | 0.5428% | 1,058 |
| Net operating income to assets | 0.9566% | 2,513 |
| Return on assets (ROA) | 0.9427% | 2,836 |
| Pretax return on assets | 1.4103% | 2,011 |
| Return on Equity (ROE) | 11.1324% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.3116% | 543 |
| Net charge-offs to loans | 0.9354% | 1,192 |
| Credit loss provision to net charge-offs | 130.8799% | 2,138 |
| Earnings coverage of net charge-offs (x) | 4.7594% | 3,266 |
| Efficiency ratio | 58.7061% | 5,738 |
| Assets per employee ($millions) | 8.9612% | 327 |
| Cash dividends to net income (ytd only)* | 7.3733% | 4,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6039% | 3,293 |
| Loan loss allowance to noncurrent loans | 95.1867% | 3,466 |
| Noncurrent assets plus other real estate owned to assets | 0.8074% | 4,452 |
| Noncurrent loans to loans | 1.6850% | 3,095 |
| Net loans and leases to total assets | 47.1483% | 5,500 |
| Net loans and leases to deposits | 55.8579% | 5,459 |
| Net loans and leases to core deposits | 56.4380% | 5,680 |
| Total domestic deposits to total assets | 84.4075% | 4,125 |
| Equity capital to assets | 9.5267% | 4,835 |
| Core capital (leverage) ratio | 8.9426% | 4,982 |
| Tier 1 risk-based capital ratio | 13.3968% | 4,823 |
| Total risk-based capital ratio | 14.5385% | 4,855 |
| Memoranda: | ||
| Average total assets | $1,726,390,800 | 398 |
| Average earning assets | $1,640,698,200 | 380 |
| Average equity | $146,194,800 | 496 |
| Average total loans | $765,420,000 | 536 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 5,377 |
| Cost of funding earning assets | 0.0304% | 7,155 |
| Net interest margin | 4.0145% | 2,451 |
| Noninterest income to average assets | 0.9605% | 1,640 |
| Noninterest expense to average assets | 2.7881% | 4,020 |
| Loan and lease loss provision to assets | 0.5504% | 1,054 |
| Net operating income to assets | 0.9604% | 2,703 |
| Return on assets (ROA) | 0.9619% | 2,909 |
| Pretax return on assets | 1.4439% | 2,098 |
| Return on Equity (ROE) | 11.7461% | 1,726 |
| Retained earnings to average equity (ytd only) | 10.6020% | 763 |
| Net charge-offs to loans | 0.4603% | 2,260 |
| Credit loss provision to net charge-offs | 275.6059% | 985 |
| Earnings coverage of net charge-offs (x) | 9.9750% | 2,246 |
| Efficiency ratio | 58.3249% | 5,743 |
| Assets per employee ($millions) | 8.8908% | 346 |
| Cash dividends to net income (ytd only)* | 9.7403% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0517% | 2,030 |
| Loan loss allowance to noncurrent loans | 136.7716% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.6597% | 5,029 |
| Noncurrent loans to loans | 1.5001% | 3,538 |
| Net loans and leases to total assets | 43.0746% | 6,031 |
| Net loans and leases to deposits | 48.2109% | 6,248 |
| Net loans and leases to core deposits | 48.5216% | 6,382 |
| Total domestic deposits to total assets | 89.3463% | 1,218 |
| Equity capital to assets | 9.2073% | 5,588 |
| Core capital (leverage) ratio | 9.2173% | 4,731 |
| Tier 1 risk-based capital ratio | 14.0062% | 4,512 |
| Total risk-based capital ratio | 15.2582% | 4,468 |
| Memoranda: | ||
| Average total assets | $1,707,687,250 | 401 |
| Average earning assets | $1,624,876,500 | 380 |
| Average equity | $139,844,500 | 518 |
| Average total loans | $741,005,000 | 554 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1072% | 5,297 |
| Cost of funding earning assets | 0.0309% | 7,219 |
| Net interest margin | 4.0763% | 2,181 |
| Noninterest income to average assets | 0.9834% | 1,507 |
| Noninterest expense to average assets | 2.8702% | 3,744 |
| Loan and lease loss provision to assets | 0.5948% | 1,005 |
| Net operating income to assets | 0.8920% | 2,948 |
| Return on assets (ROA) | 0.9102% | 3,126 |
| Pretax return on assets | 1.4247% | 2,108 |
| Return on Equity (ROE) | 11.6265% | 1,798 |
| Retained earnings to average equity (ytd only) | 9.8030% | 1,028 |
| Net charge-offs to loans | 0.5785% | 1,872 |
| Credit loss provision to net charge-offs | 238.0952% | 1,203 |
| Earnings coverage of net charge-offs (x) | 7.9705% | 2,380 |
| Efficiency ratio | 59.0407% | 5,726 |
| Assets per employee ($millions) | 8.8923% | 332 |
| Cash dividends to net income (ytd only)* | 15.6842% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9680% | 2,318 |
| Loan loss allowance to noncurrent loans | 165.0238% | 2,031 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 5,523 |
| Noncurrent loans to loans | 1.1926% | 4,164 |
| Net loans and leases to total assets | 40.4992% | 6,309 |
| Net loans and leases to deposits | 44.0962% | 6,553 |
| Net loans and leases to core deposits | 44.3726% | 6,650 |
| Total domestic deposits to total assets | 91.8427% | 249 |
| Equity capital to assets | 7.6877% | 6,718 |
| Core capital (leverage) ratio | 8.3788% | 5,819 |
| Tier 1 risk-based capital ratio | 13.1914% | 5,043 |
| Total risk-based capital ratio | 14.4429% | 5,019 |
| Memoranda: | ||
| Average total assets | $1,681,235,330 | 407 |
| Average earning assets | $1,599,380,330 | 386 |
| Average equity | $131,613,330 | 547 |
| Average total loans | $726,044,670 | 566 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1234% | 5,373 |
| Cost of funding earning assets | 0.0291% | 7,280 |
| Net interest margin | 4.0943% | 2,113 |
| Noninterest income to average assets | 0.9019% | 1,739 |
| Noninterest expense to average assets | 2.8859% | 3,681 |
| Loan and lease loss provision to assets | 0.6142% | 923 |
| Net operating income to assets | 0.8379% | 3,209 |
| Return on assets (ROA) | 0.8115% | 3,561 |
| Pretax return on assets | 1.2669% | 2,663 |
| Return on Equity (ROE) | 10.2644% | 2,314 |
| Retained earnings to average equity (ytd only) | 10.2644% | 1,205 |
| Net charge-offs to loans | 0.7757% | 1,326 |
| Credit loss provision to net charge-offs | 179.0831% | 1,440 |
| Earnings coverage of net charge-offs (x) | 5.6053% | 2,330 |
| Efficiency ratio | 60.0194% | 5,606 |
| Assets per employee ($millions) | 8.3522% | 417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7475% | 3,171 |
| Loan loss allowance to noncurrent loans | 126.1240% | 2,516 |
| Noncurrent assets plus other real estate owned to assets | 0.6264% | 5,324 |
| Noncurrent loans to loans | 1.3855% | 4,036 |
| Net loans and leases to total assets | 44.4236% | 5,962 |
| Net loans and leases to deposits | 49.0336% | 6,220 |
| Net loans and leases to core deposits | 49.4576% | 6,367 |
| Total domestic deposits to total assets | 90.5981% | 749 |
| Equity capital to assets | 8.1516% | 6,409 |
| Core capital (leverage) ratio | 8.6243% | 5,410 |
| Tier 1 risk-based capital ratio | 13.1477% | 5,097 |
| Total risk-based capital ratio | 14.3784% | 5,084 |
| Memoranda: | ||
| Average total assets | $1,628,174,000 | 415 |
| Average earning assets | $1,553,465,000 | 394 |
| Average equity | $128,716,500 | 555 |
| Average total loans | $719,868,500 | 566 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1470% | 6,188 |
| Cost of funding earning assets | 0.0586% | 7,324 |
| Net interest margin | 4.0884% | 2,479 |
| Noninterest income to average assets | 0.7968% | 2,076 |
| Noninterest expense to average assets | 2.9713% | 3,698 |
| Loan and lease loss provision to assets | 0.4728% | 2,237 |
| Net operating income to assets | 0.7506% | 3,259 |
| Return on assets (ROA) | 0.3794% | 5,126 |
| Pretax return on assets | 0.6581% | 4,484 |
| Return on Equity (ROE) | 5.0245% | 4,378 |
| Retained earnings to average equity (ytd only) | 5.0245% | 2,622 |
| Net charge-offs to loans | 0.7943% | 2,174 |
| Credit loss provision to net charge-offs | 150.0514% | 1,881 |
| Earnings coverage of net charge-offs (x) | 5.4298% | 2,794 |
| Efficiency ratio | 63.4583% | 5,220 |
| Assets per employee ($millions) | 8.7004% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6362% | 3,436 |
| Loan loss allowance to noncurrent loans | 164.6892% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 0.4295% | 5,892 |
| Noncurrent loans to loans | 0.9935% | 4,718 |
| Net loans and leases to total assets | 42.5252% | 6,334 |
| Net loans and leases to deposits | 46.5522% | 6,594 |
| Net loans and leases to core deposits | 47.2913% | 6,677 |
| Total domestic deposits to total assets | 91.3495% | 377 |
| Equity capital to assets | 7.6644% | 6,742 |
| Core capital (leverage) ratio | 8.4288% | 5,672 |
| Tier 1 risk-based capital ratio | 13.6464% | 4,594 |
| Total risk-based capital ratio | 14.8439% | 4,600 |
| Memoranda: | ||
| Average total assets | $1,543,880,800 | 428 |
| Average earning assets | $1,467,299,800 | 403 |
| Average equity | $116,568,200 | 591 |
| Average total loans | $612,470,000 | 684 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1022% | 6,412 |
| Cost of funding earning assets | 0.0669% | 7,399 |
| Net interest margin | 4.0353% | 2,752 |
| Noninterest income to average assets | 0.8257% | 1,942 |
| Noninterest expense to average assets | 2.9885% | 3,594 |
| Loan and lease loss provision to assets | 0.4565% | 2,176 |
| Net operating income to assets | 0.7151% | 3,532 |
| Return on assets (ROA) | 0.3224% | 5,484 |
| Pretax return on assets | 0.5803% | 4,882 |
| Return on Equity (ROE) | 4.2870% | 4,871 |
| Retained earnings to average equity (ytd only) | 4.2870% | 3,678 |
| Net charge-offs to loans | 0.5117% | 2,714 |
| Credit loss provision to net charge-offs | 230.4965% | 1,238 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,195 |
| Efficiency ratio | 64.4222% | 4,993 |
| Assets per employee ($millions) | 7.9189% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7884% | 2,984 |
| Loan loss allowance to noncurrent loans | 142.9025% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 0.5446% | 5,744 |
| Noncurrent loans to loans | 1.2515% | 4,447 |
| Net loans and leases to total assets | 42.7396% | 6,443 |
| Net loans and leases to deposits | 46.7386% | 6,702 |
| Net loans and leases to core deposits | 47.9082% | 6,763 |
| Total domestic deposits to total assets | 91.4440% | 311 |
| Equity capital to assets | 7.8752% | 6,766 |
| Core capital (leverage) ratio | 8.3286% | 5,940 |
| Tier 1 risk-based capital ratio | 12.9910% | 5,105 |
| Total risk-based capital ratio | 14.2321% | 5,081 |
| Memoranda: | ||
| Average total assets | $1,518,758,000 | 439 |
| Average earning assets | $1,435,195,750 | 414 |
| Average equity | $114,202,500 | 611 |
| Average total loans | $587,861,500 | 718 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 6,564 |
| Cost of funding earning assets | 0.0723% | 7,469 |
| Net interest margin | 3.9840% | 2,922 |
| Noninterest income to average assets | 0.5886% | 3,202 |
| Noninterest expense to average assets | 2.9795% | 3,718 |
| Loan and lease loss provision to assets | 0.4917% | 2,003 |
| Net operating income to assets | 0.5817% | 4,146 |
| Return on assets (ROA) | 0.3766% | 5,189 |
| Pretax return on assets | 0.6066% | 4,727 |
| Return on Equity (ROE) | 5.0917% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.0917% | 2,948 |
| Net charge-offs to loans | 0.2669% | 3,552 |
| Credit loss provision to net charge-offs | 497.3118% | 623 |
| Earnings coverage of net charge-offs (x) | 14.3495% | 1,486 |
| Efficiency ratio | 67.7433% | 4,563 |
| Assets per employee ($millions) | 7.4370% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9378% | 2,545 |
| Loan loss allowance to noncurrent loans | 216.6310% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 6,159 |
| Noncurrent loans to loans | 0.8945% | 5,178 |
| Net loans and leases to total assets | 42.6251% | 6,551 |
| Net loans and leases to deposits | 46.7124% | 6,797 |
| Net loans and leases to core deposits | 47.7354% | 6,866 |
| Total domestic deposits to total assets | 91.2500% | 407 |
| Equity capital to assets | 7.9756% | 6,699 |
| Core capital (leverage) ratio | 8.1970% | 6,035 |
| Tier 1 risk-based capital ratio | 13.8451% | 4,274 |
| Total risk-based capital ratio | 15.0960% | 4,246 |
| Memoranda: | ||
| Average total assets | $1,505,000,670 | 451 |
| Average earning assets | $1,439,171,330 | 420 |
| Average equity | $111,318,000 | 627 |
| Average total loans | $557,518,000 | 773 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8115% | 6,942 |
| Cost of funding earning assets | 0.0811% | 7,532 |
| Net interest margin | 3.7304% | 3,942 |
| Noninterest income to average assets | 0.5617% | 3,420 |
| Noninterest expense to average assets | 2.8506% | 4,264 |
| Loan and lease loss provision to assets | 0.4948% | 1,770 |
| Net operating income to assets | 0.5012% | 4,485 |
| Return on assets (ROA) | 0.3974% | 5,052 |
| Pretax return on assets | 0.6247% | 4,587 |
| Return on Equity (ROE) | 5.5774% | 4,122 |
| Retained earnings to average equity (ytd only) | 5.5774% | 2,863 |
| Net charge-offs to loans | 0.5693% | 2,062 |
| Credit loss provision to net charge-offs | 255.3763% | 1,221 |
| Earnings coverage of net charge-offs (x) | 6.6156% | 2,069 |
| Efficiency ratio | 68.9836% | 4,480 |
| Assets per employee ($millions) | 7.8840% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8662% | 2,802 |
| Loan loss allowance to noncurrent loans | 138.0216% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 0.5034% | 5,971 |
| Noncurrent loans to loans | 1.3521% | 4,455 |
| Net loans and leases to total assets | 36.5367% | 6,979 |
| Net loans and leases to deposits | 39.8350% | 7,108 |
| Net loans and leases to core deposits | 40.6690% | 7,147 |
| Total domestic deposits to total assets | 91.7202% | 363 |
| Equity capital to assets | 7.4484% | 6,894 |
| Core capital (leverage) ratio | 8.2391% | 5,922 |
| Tier 1 risk-based capital ratio | 13.7325% | 4,251 |
| Total risk-based capital ratio | 14.8765% | 4,307 |
| Memoranda: | ||
| Average total assets | $1,536,110,500 | 442 |
| Average earning assets | $1,470,303,500 | 415 |
| Average equity | $109,442,000 | 633 |
| Average total loans | $522,707,000 | 826 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3618% | 6,686 |
| Cost of funding earning assets | 0.1051% | 7,583 |
| Net interest margin | 4.2567% | 1,970 |
| Noninterest income to average assets | 0.6292% | 3,291 |
| Noninterest expense to average assets | 3.3088% | 2,717 |
| Loan and lease loss provision to assets | 0.3981% | 3,724 |
| Net operating income to assets | 0.6007% | 3,661 |
| Return on assets (ROA) | -0.9336% | 6,677 |
| Pretax return on assets | -1.4668% | 6,847 |
| Return on Equity (ROE) | -12.3927% | 6,824 |
| Retained earnings to average equity (ytd only) | -12.3927% | 6,774 |
| Net charge-offs to loans | 1.1322% | 1,971 |
| Credit loss provision to net charge-offs | 97.1528% | 4,778 |
| Earnings coverage of net charge-offs (x) | 3.2424% | 3,455 |
| Efficiency ratio | 71.3489% | 3,926 |
| Assets per employee ($millions) | 9.1985% | 308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8745% | 2,635 |
| Loan loss allowance to noncurrent loans | 163.5313% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 0.3555% | 6,373 |
| Noncurrent loans to loans | 1.1463% | 4,818 |
| Net loans and leases to total assets | 30.4295% | 7,336 |
| Net loans and leases to deposits | 32.8428% | 7,414 |
| Net loans and leases to core deposits | 33.7941% | 7,425 |
| Total domestic deposits to total assets | 92.6519% | 171 |
| Equity capital to assets | 6.8197% | 7,169 |
| Core capital (leverage) ratio | 8.5194% | 5,330 |
| Tier 1 risk-based capital ratio | 15.0246% | 3,237 |
| Total risk-based capital ratio | 16.1541% | 3,259 |
| Memoranda: | ||
| Average total assets | $1,268,482,600 | 534 |
| Average earning assets | $1,194,449,200 | 510 |
| Average equity | $95,556,200 | 701 |
| Average total loans | $459,121,600 | 983 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6672% | 6,132 |
| Cost of funding earning assets | 0.1087% | 7,702 |
| Net interest margin | 4.5585% | 1,136 |
| Noninterest income to average assets | 0.7271% | 2,661 |
| Noninterest expense to average assets | 3.4589% | 2,141 |
| Loan and lease loss provision to assets | 0.3529% | 3,790 |
| Net operating income to assets | 0.7666% | 3,151 |
| Return on assets (ROA) | -1.4043% | 7,097 |
| Pretax return on assets | -2.2101% | 7,253 |
| Return on Equity (ROE) | -18.0722% | 7,184 |
| Retained earnings to average equity (ytd only) | -18.0722% | 7,165 |
| Net charge-offs to loans | 1.2599% | 1,617 |
| Credit loss provision to net charge-offs | 73.8743% | 5,318 |
| Earnings coverage of net charge-offs (x) | 3.2127% | 3,538 |
| Efficiency ratio | 69.2655% | 4,211 |
| Assets per employee ($millions) | 7.6101% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8499% | 2,629 |
| Loan loss allowance to noncurrent loans | 416.7595% | 715 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 6,971 |
| Noncurrent loans to loans | 0.4439% | 6,305 |
| Net loans and leases to total assets | 34.1572% | 7,340 |
| Net loans and leases to deposits | 38.0529% | 7,421 |
| Net loans and leases to core deposits | 39.2534% | 7,440 |
| Total domestic deposits to total assets | 89.7624% | 992 |
| Equity capital to assets | 8.8599% | 5,761 |
| Core capital (leverage) ratio | 9.4721% | 3,944 |
| Tier 1 risk-based capital ratio | 15.8696% | 2,826 |
| Total risk-based capital ratio | 16.9676% | 2,857 |
| Memoranda: | ||
| Average total assets | $1,190,067,000 | 556 |
| Average earning assets | $1,113,856,000 | 540 |
| Average equity | $92,471,000 | 721 |
| Average total loans | $451,243,000 | 1,004 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7351% | 6,026 |
| Cost of funding earning assets | 0.1081% | 7,776 |
| Net interest margin | 4.6270% | 936 |
| Noninterest income to average assets | 0.6691% | 2,900 |
| Noninterest expense to average assets | 3.6189% | 1,733 |
| Loan and lease loss provision to assets | 0.3877% | 3,392 |
| Net operating income to assets | 0.6398% | 3,680 |
| Return on assets (ROA) | -2.2764% | 7,380 |
| Pretax return on assets | -3.5799% | 7,557 |
| Return on Equity (ROE) | -30.8873% | 7,443 |
| Retained earnings to average equity (ytd only) | -30.8873% | 7,431 |
| Net charge-offs to loans | 0.9106% | 2,012 |
| Credit loss provision to net charge-offs | 109.0116% | 3,743 |
| Earnings coverage of net charge-offs (x) | 3.8362% | 3,162 |
| Efficiency ratio | 72.6191% | 3,721 |
| Assets per employee ($millions) | 7.7395% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 1,966 |
| Loan loss allowance to noncurrent loans | 138.9156% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.5575% | 6,078 |
| Noncurrent loans to loans | 1.5101% | 4,443 |
| Net loans and leases to total assets | 36.1465% | 7,344 |
| Net loans and leases to deposits | 40.0234% | 7,444 |
| Net loans and leases to core deposits | 41.2014% | 7,467 |
| Total domestic deposits to total assets | 90.3132% | 757 |
| Equity capital to assets | 9.1424% | 5,232 |
| Core capital (leverage) ratio | 9.7052% | 3,530 |
| Tier 1 risk-based capital ratio | 15.1299% | 3,091 |
| Total risk-based capital ratio | 16.3664% | 3,052 |
| Memoranda: | ||
| Average total assets | $1,160,589,330 | 573 |
| Average earning assets | $1,082,129,000 | 556 |
| Average equity | $85,536,670 | 767 |
| Average total loans | $453,347,000 | 1,005 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6536% | 6,397 |
| Cost of funding earning assets | 0.1135% | 7,875 |
| Net interest margin | 4.5401% | 1,065 |
| Noninterest income to average assets | 1.1542% | 931 |
| Noninterest expense to average assets | 3.6724% | 1,568 |
| Loan and lease loss provision to assets | 0.3376% | 3,364 |
| Net operating income to assets | 0.8702% | 2,670 |
| Return on assets (ROA) | 0.4815% | 4,619 |
| Pretax return on assets | 0.7573% | 4,038 |
| Return on Equity (ROE) | 7.5222% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.5222% | 1,913 |
| Net charge-offs to loans | 0.5521% | 2,425 |
| Credit loss provision to net charge-offs | 152.0000% | 2,351 |
| Earnings coverage of net charge-offs (x) | 7.6640% | 2,058 |
| Efficiency ratio | 68.3285% | 4,655 |
| Assets per employee ($millions) | 7.2024% | 750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1530% | 1,845 |
| Loan loss allowance to noncurrent loans | 221.5857% | 1,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3787% | 6,523 |
| Noncurrent loans to loans | 0.9716% | 5,390 |
| Net loans and leases to total assets | 38.1364% | 7,343 |
| Net loans and leases to deposits | 41.0100% | 7,485 |
| Net loans and leases to core deposits | 42.4053% | 7,515 |
| Total domestic deposits to total assets | 92.9927% | 123 |
| Equity capital to assets | 6.3213% | 7,567 |
| Core capital (leverage) ratio | 8.2163% | 5,884 |
| Tier 1 risk-based capital ratio | 11.1040% | 6,054 |
| Total risk-based capital ratio | 12.1992% | 6,183 |
| Memoranda: | ||
| Average total assets | $1,125,597,000 | 600 |
| Average earning assets | $1,046,321,500 | 587 |
| Average equity | $72,053,000 | 920 |
| Average total loans | $452,850,500 | 1,037 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3741% | 7,504 |
| Cost of funding earning assets | 0.2188% | 7,933 |
| Net interest margin | 4.1553% | 2,231 |
| Noninterest income to average assets | 1.2006% | 1,071 |
| Noninterest expense to average assets | 3.1489% | 3,553 |
| Loan and lease loss provision to assets | 0.7886% | 2,768 |
| Net operating income to assets | 0.4690% | 3,863 |
| Return on assets (ROA) | 0.2823% | 4,693 |
| Pretax return on assets | 0.7217% | 3,503 |
| Return on Equity (ROE) | 4.1604% | 4,019 |
| Retained earnings to average equity (ytd only) | 4.1604% | 2,307 |
| Net charge-offs to loans | 1.8977% | 1,306 |
| Credit loss provision to net charge-offs | 116.8915% | 4,639 |
| Earnings coverage of net charge-offs (x) | 2.6712% | 3,773 |
| Efficiency ratio | 63.6006% | 5,847 |
| Assets per employee ($millions) | 6.5797% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0469% | 1,922 |
| Loan loss allowance to noncurrent loans | 134.8096% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 0.6309% | 5,890 |
| Noncurrent loans to loans | 1.5183% | 4,375 |
| Net loans and leases to total assets | 40.6994% | 7,314 |
| Net loans and leases to deposits | 44.0067% | 7,517 |
| Net loans and leases to core deposits | 45.3752% | 7,682 |
| Total domestic deposits to total assets | 92.4845% | 180 |
| Equity capital to assets | 6.4852% | 7,565 |
| Core capital (leverage) ratio | 8.6635% | 4,990 |
| Tier 1 risk-based capital ratio | 11.0224% | 5,897 |
| Total risk-based capital ratio | 12.0898% | 6,050 |
| Memoranda: | ||
| Average total assets | $1,175,884,200 | 568 |
| Average earning assets | $1,061,294,800 | 570 |
| Average equity | $79,775,400 | 813 |
| Average total loans | $418,037,000 | 1,150 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 7,602 |
| Cost of funding earning assets | 0.2413% | 8,021 |
| Net interest margin | 4.1673% | 2,161 |
| Noninterest income to average assets | 0.6725% | 3,202 |
| Noninterest expense to average assets | 3.1221% | 3,574 |
| Loan and lease loss provision to assets | 0.8169% | 2,330 |
| Net operating income to assets | 0.2605% | 4,947 |
| Return on assets (ROA) | 0.1527% | 5,366 |
| Pretax return on assets | 0.3042% | 5,053 |
| Return on Equity (ROE) | 2.2286% | 5,088 |
| Retained earnings to average equity (ytd only) | 2.2286% | 4,082 |
| Net charge-offs to loans | 2.0613% | 947 |
| Credit loss provision to net charge-offs | 115.9804% | 4,379 |
| Earnings coverage of net charge-offs (x) | 1.8309% | 4,433 |
| Efficiency ratio | 70.7682% | 4,460 |
| Assets per employee ($millions) | 6.3168% | 1,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0927% | 1,611 |
| Loan loss allowance to noncurrent loans | 184.5996% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.4685% | 6,292 |
| Noncurrent loans to loans | 1.1337% | 5,053 |
| Net loans and leases to total assets | 40.4609% | 7,445 |
| Net loans and leases to deposits | 44.2378% | 7,614 |
| Net loans and leases to core deposits | 48.7158% | 7,712 |
| Total domestic deposits to total assets | 91.4623% | 267 |
| Equity capital to assets | 7.8343% | 7,004 |
| Core capital (leverage) ratio | 8.0812% | 6,214 |
| Tier 1 risk-based capital ratio | 11.2752% | 5,655 |
| Total risk-based capital ratio | 12.3790% | 5,780 |
| Memoranda: | ||
| Average total assets | $1,195,154,500 | 572 |
| Average earning assets | $1,072,386,750 | 578 |
| Average equity | $81,904,250 | 797 |
| Average total loans | $408,408,500 | 1,198 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 7,705 |
| Cost of funding earning assets | 0.2661% | 8,110 |
| Net interest margin | 4.1380% | 2,203 |
| Noninterest income to average assets | 0.6799% | 3,118 |
| Noninterest expense to average assets | 3.8350% | 1,599 |
| Loan and lease loss provision to assets | 0.6500% | 2,483 |
| Net operating income to assets | -0.1786% | 6,152 |
| Return on assets (ROA) | 0.8224% | 2,864 |
| Pretax return on assets | 1.4150% | 1,683 |
| Return on Equity (ROE) | 12.4995% | 1,288 |
| Retained earnings to average equity (ytd only) | 12.4995% | 380 |
| Net charge-offs to loans | 1.7697% | 1,073 |
| Credit loss provision to net charge-offs | 114.1488% | 4,061 |
| Earnings coverage of net charge-offs (x) | 0.8797% | 4,871 |
| Efficiency ratio | 88.4472% | 1,954 |
| Assets per employee ($millions) | 7.5519% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1003% | 1,394 |
| Loan loss allowance to noncurrent loans | 137.4980% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 0.5057% | 6,173 |
| Noncurrent loans to loans | 1.5275% | 4,206 |
| Net loans and leases to total assets | 32.4125% | 7,824 |
| Net loans and leases to deposits | 34.9413% | 7,920 |
| Net loans and leases to core deposits | 43.3407% | 7,886 |
| Total domestic deposits to total assets | 92.7628% | 114 |
| Equity capital to assets | 6.4212% | 7,836 |
| Core capital (leverage) ratio | 7.6069% | 6,890 |
| Tier 1 risk-based capital ratio | 10.1714% | 6,744 |
| Total risk-based capital ratio | 11.0919% | 7,024 |
| Memoranda: | ||
| Average total assets | $1,246,116,000 | 565 |
| Average earning assets | $1,100,965,000 | 575 |
| Average equity | $81,987,330 | 802 |
| Average total loans | $400,969,330 | 1,239 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4825% | 7,735 |
| Cost of funding earning assets | 0.2985% | 8,156 |
| Net interest margin | 4.1840% | 1,955 |
| Noninterest income to average assets | 0.7902% | 2,385 |
| Noninterest expense to average assets | 3.0480% | 3,563 |
| Loan and lease loss provision to assets | 0.6680% | 1,892 |
| Net operating income to assets | 0.2948% | 5,316 |
| Return on assets (ROA) | 1.6773% | 745 |
| Pretax return on assets | 2.8320% | 149 |
| Return on Equity (ROE) | 25.1988% | 179 |
| Retained earnings to average equity (ytd only) | 25.1988% | 78 |
| Net charge-offs to loans | 1.4068% | 1,012 |
| Credit loss provision to net charge-offs | 149.6793% | 2,797 |
| Earnings coverage of net charge-offs (x) | 3.0021% | 3,307 |
| Efficiency ratio | 69.4650% | 4,687 |
| Assets per employee ($millions) | 7.2614% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2113% | 1,070 |
| Loan loss allowance to noncurrent loans | 103.5583% | 2,958 |
| Noncurrent assets plus other real estate owned to assets | 0.6767% | 5,467 |
| Noncurrent loans to loans | 2.1353% | 3,071 |
| Net loans and leases to total assets | 30.9915% | 7,894 |
| Net loans and leases to deposits | 33.5971% | 7,987 |
| Net loans and leases to core deposits | 40.1815% | 7,977 |
| Total domestic deposits to total assets | 92.2447% | 149 |
| Equity capital to assets | 6.7468% | 7,785 |
| Core capital (leverage) ratio | 7.7571% | 6,812 |
| Tier 1 risk-based capital ratio | 10.9442% | 5,952 |
| Total risk-based capital ratio | 11.9611% | 6,083 |
| Memoranda: | ||
| Average total assets | $1,257,472,500 | 561 |
| Average earning assets | $1,081,273,000 | 588 |
| Average equity | $83,702,500 | 789 |
| Average total loans | $398,932,500 | 1,257 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0761% | 5,164 |
| Cost of funding earning assets | 1.2054% | 7,940 |
| Net interest margin | 4.8707% | 674 |
| Noninterest income to average assets | 0.5406% | 4,314 |
| Noninterest expense to average assets | 3.1969% | 3,350 |
| Loan and lease loss provision to assets | 0.7175% | 2,061 |
| Net operating income to assets | 0.7894% | 3,484 |
| Return on assets (ROA) | -1.6141% | 7,459 |
| Pretax return on assets | -2.6897% | 7,637 |
| Return on Equity (ROE) | -21.4797% | 7,789 |
| Retained earnings to average equity (ytd only) | -21.4797% | 7,715 |
| Net charge-offs to loans | 1.4080% | 835 |
| Credit loss provision to net charge-offs | 149.6188% | 3,523 |
| Earnings coverage of net charge-offs (x) | 3.7185% | 4,245 |
| Efficiency ratio | 64.1929% | 5,519 |
| Assets per employee ($millions) | 7.5788% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9798% | 1,264 |
| Loan loss allowance to noncurrent loans | 95.9717% | 3,573 |
| Noncurrent assets plus other real estate owned to assets | 0.6551% | 5,253 |
| Noncurrent loans to loans | 2.0629% | 2,675 |
| Net loans and leases to total assets | 31.1281% | 7,965 |
| Net loans and leases to deposits | 33.9800% | 8,061 |
| Net loans and leases to core deposits | 38.8017% | 8,071 |
| Total domestic deposits to total assets | 91.6069% | 190 |
| Equity capital to assets | 6.5683% | 7,913 |
| Core capital (leverage) ratio | 7.6834% | 6,960 |
| Tier 1 risk-based capital ratio | 11.9784% | 4,842 |
| Total risk-based capital ratio | 13.0750% | 4,865 |
| Memoranda: | ||
| Average total assets | $1,066,588,000 | 619 |
| Average earning assets | $972,188,800 | 617 |
| Average equity | $80,150,200 | 832 |
| Average total loans | $363,290,400 | 1,336 |