Home > Sterling National Bank > Performance and Condition Ratios
Sterling National Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2501% | 3,199 |
| Cost of funding earning assets | 0.3116% | 5,630 |
| Net interest margin | 3.9385% | 2,150 |
| Noninterest income to average assets | 1.3598% | 786 |
| Noninterest expense to average assets | 3.5448% | 1,511 |
| Loan and lease loss provision to assets | 0.2445% | 1,469 |
| Net operating income to assets | 0.8147% | 3,272 |
| Return on assets (ROA) | 0.8284% | 3,323 |
| Pretax return on assets | 1.2596% | 2,485 |
| Return on Equity (ROE) | 9.5890% | 2,357 |
| Retained earnings to average equity (ytd only) | 5.1243% | 2,989 |
| Net charge-offs to loans | 0.3905% | 1,641 |
| Credit loss provision to net charge-offs | 95.7121% | 2,494 |
| Earnings coverage of net charge-offs (x) | 5.8061% | 3,099 |
| Efficiency ratio | 70.4476% | 3,682 |
| Assets per employee ($millions) | 5.2708% | 1,868 |
| Cash dividends to net income (ytd only)* | 46.5612% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2035% | 4,844 |
| Loan loss allowance to noncurrent loans | 453.0616% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 5,723 |
| Noncurrent loans to loans | 0.2656% | 5,565 |
| Net loans and leases to total assets | 66.0098% | 2,634 |
| Net loans and leases to deposits | 78.4172% | 2,601 |
| Net loans and leases to core deposits | 83.2118% | 2,738 |
| Total domestic deposits to total assets | 84.1777% | 4,123 |
| Equity capital to assets | 8.6985% | 5,523 |
| Core capital (leverage) ratio | 9.1543% | 4,897 |
| Tier 1 risk-based capital ratio | 11.5362% | 6,044 |
| Total risk-based capital ratio | 12.6617% | 6,064 |
| Memoranda: | ||
| Average total assets | $2,726,274,250 | 277 |
| Average earning assets | $2,539,309,250 | 271 |
| Average equity | $235,527,000 | 333 |
| Average total loans | $1,783,547,750 | 272 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2275% | 3,253 |
| Cost of funding earning assets | 0.3171% | 5,695 |
| Net interest margin | 3.9104% | 2,182 |
| Noninterest income to average assets | 1.5042% | 690 |
| Noninterest expense to average assets | 3.5885% | 1,433 |
| Loan and lease loss provision to assets | 0.2575% | 1,439 |
| Net operating income to assets | 0.8564% | 3,014 |
| Return on assets (ROA) | 0.8732% | 3,089 |
| Pretax return on assets | 1.3274% | 2,203 |
| Return on Equity (ROE) | 10.1306% | 2,149 |
| Retained earnings to average equity (ytd only) | 10.1306% | 818 |
| Net charge-offs to loans | 0.3685% | 1,732 |
| Credit loss provision to net charge-offs | 107.5930% | 2,060 |
| Earnings coverage of net charge-offs (x) | 6.5152% | 2,707 |
| Efficiency ratio | 69.6555% | 3,891 |
| Assets per employee ($millions) | 5.0945% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 4,685 |
| Loan loss allowance to noncurrent loans | 338.2335% | 1,247 |
| Noncurrent assets plus other real estate owned to assets | 0.3011% | 5,569 |
| Noncurrent loans to loans | 0.3731% | 5,341 |
| Net loans and leases to total assets | 65.2206% | 2,728 |
| Net loans and leases to deposits | 78.6595% | 2,501 |
| Net loans and leases to core deposits | 84.1927% | 2,530 |
| Total domestic deposits to total assets | 82.9151% | 4,730 |
| Equity capital to assets | 8.8820% | 5,348 |
| Core capital (leverage) ratio | 9.4178% | 4,362 |
| Tier 1 risk-based capital ratio | 11.5642% | 6,077 |
| Total risk-based capital ratio | 12.6809% | 6,107 |
| Memoranda: | ||
| Average total assets | $2,717,920,670 | 278 |
| Average earning assets | $2,532,706,670 | 271 |
| Average equity | $234,261,330 | 333 |
| Average total loans | $1,765,305,330 | 277 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 3,292 |
| Cost of funding earning assets | 0.3242% | 5,768 |
| Net interest margin | 3.8776% | 2,189 |
| Noninterest income to average assets | 1.5609% | 633 |
| Noninterest expense to average assets | 3.7723% | 1,149 |
| Loan and lease loss provision to assets | 0.2939% | 1,193 |
| Net operating income to assets | 0.7327% | 3,523 |
| Return on assets (ROA) | 0.7455% | 3,592 |
| Pretax return on assets | 1.1294% | 2,849 |
| Return on Equity (ROE) | 8.7833% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.7833% | 1,455 |
| Net charge-offs to loans | 0.4169% | 1,410 |
| Credit loss provision to net charge-offs | 109.4691% | 1,701 |
| Earnings coverage of net charge-offs (x) | 5.2288% | 2,392 |
| Efficiency ratio | 72.8259% | 3,466 |
| Assets per employee ($millions) | 4.9916% | 2,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 4,757 |
| Loan loss allowance to noncurrent loans | 417.5783% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 5,762 |
| Noncurrent loans to loans | 0.3090% | 5,627 |
| Net loans and leases to total assets | 62.9862% | 2,884 |
| Net loans and leases to deposits | 74.9442% | 2,783 |
| Net loans and leases to core deposits | 81.6791% | 2,617 |
| Total domestic deposits to total assets | 84.0442% | 4,461 |
| Equity capital to assets | 8.5627% | 5,948 |
| Core capital (leverage) ratio | 9.0363% | 4,825 |
| Tier 1 risk-based capital ratio | 11.5443% | 6,159 |
| Total risk-based capital ratio | 12.6863% | 6,190 |
| Memoranda: | ||
| Average total assets | $2,721,749,500 | 280 |
| Average earning assets | $2,537,644,000 | 270 |
| Average equity | $231,029,500 | 340 |
| Average total loans | $1,752,836,000 | 282 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4026% | 3,800 |
| Cost of funding earning assets | 0.3721% | 6,096 |
| Net interest margin | 4.0306% | 2,272 |
| Noninterest income to average assets | 1.5602% | 645 |
| Noninterest expense to average assets | 3.6018% | 1,603 |
| Loan and lease loss provision to assets | 0.4002% | 1,624 |
| Net operating income to assets | 0.9106% | 2,764 |
| Return on assets (ROA) | 0.9601% | 2,746 |
| Pretax return on assets | 1.3697% | 2,149 |
| Return on Equity (ROE) | 11.2410% | 1,732 |
| Retained earnings to average equity (ytd only) | 11.2410% | 412 |
| Net charge-offs to loans | 0.4964% | 2,252 |
| Credit loss provision to net charge-offs | 129.2234% | 2,180 |
| Earnings coverage of net charge-offs (x) | 5.4866% | 3,027 |
| Efficiency ratio | 67.9472% | 4,153 |
| Assets per employee ($millions) | 4.9059% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2696% | 4,784 |
| Loan loss allowance to noncurrent loans | 362.3642% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2813% | 5,845 |
| Noncurrent loans to loans | 0.3504% | 5,608 |
| Net loans and leases to total assets | 64.1734% | 2,873 |
| Net loans and leases to deposits | 76.4048% | 2,731 |
| Net loans and leases to core deposits | 83.7287% | 2,576 |
| Total domestic deposits to total assets | 83.9914% | 4,316 |
| Equity capital to assets | 8.4131% | 6,114 |
| Core capital (leverage) ratio | 8.9280% | 5,007 |
| Tier 1 risk-based capital ratio | 11.2659% | 6,235 |
| Total risk-based capital ratio | 12.3684% | 6,273 |
| Memoranda: | ||
| Average total assets | $2,561,397,600 | 282 |
| Average earning assets | $2,377,162,000 | 274 |
| Average equity | $218,779,000 | 341 |
| Average total loans | $1,597,825,000 | 289 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 4,053 |
| Cost of funding earning assets | 0.3822% | 6,213 |
| Net interest margin | 4.0165% | 2,441 |
| Noninterest income to average assets | 1.5670% | 602 |
| Noninterest expense to average assets | 3.6275% | 1,507 |
| Loan and lease loss provision to assets | 0.4093% | 1,565 |
| Net operating income to assets | 0.8653% | 3,156 |
| Return on assets (ROA) | 0.9196% | 3,108 |
| Pretax return on assets | 1.3328% | 2,485 |
| Return on Equity (ROE) | 10.7235% | 2,055 |
| Retained earnings to average equity (ytd only) | 10.7235% | 737 |
| Net charge-offs to loans | 0.4816% | 2,171 |
| Credit loss provision to net charge-offs | 137.7778% | 2,089 |
| Earnings coverage of net charge-offs (x) | 5.5996% | 2,979 |
| Efficiency ratio | 68.5611% | 3,949 |
| Assets per employee ($millions) | 4.9061% | 2,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3219% | 4,716 |
| Loan loss allowance to noncurrent loans | 377.7323% | 996 |
| Noncurrent assets plus other real estate owned to assets | 0.2800% | 6,000 |
| Noncurrent loans to loans | 0.3500% | 5,775 |
| Net loans and leases to total assets | 62.0783% | 3,363 |
| Net loans and leases to deposits | 73.8292% | 3,309 |
| Net loans and leases to core deposits | 82.9527% | 2,830 |
| Total domestic deposits to total assets | 84.0836% | 4,178 |
| Equity capital to assets | 8.5771% | 6,192 |
| Core capital (leverage) ratio | 9.0119% | 5,047 |
| Tier 1 risk-based capital ratio | 11.2521% | 6,381 |
| Total risk-based capital ratio | 12.3827% | 6,397 |
| Memoranda: | ||
| Average total assets | $2,524,726,000 | 284 |
| Average earning assets | $2,340,843,250 | 278 |
| Average equity | $216,515,500 | 343 |
| Average total loans | $1,557,227,000 | 298 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4293% | 4,067 |
| Cost of funding earning assets | 0.3948% | 6,295 |
| Net interest margin | 4.0345% | 2,366 |
| Noninterest income to average assets | 1.6612% | 539 |
| Noninterest expense to average assets | 3.6851% | 1,406 |
| Loan and lease loss provision to assets | 0.4640% | 1,375 |
| Net operating income to assets | 0.8635% | 3,067 |
| Return on assets (ROA) | 0.9307% | 3,021 |
| Pretax return on assets | 1.3409% | 2,419 |
| Return on Equity (ROE) | 10.8534% | 2,043 |
| Retained earnings to average equity (ytd only) | 10.8534% | 772 |
| Net charge-offs to loans | 0.6120% | 1,789 |
| Credit loss provision to net charge-offs | 123.8157% | 2,215 |
| Earnings coverage of net charge-offs (x) | 4.5560% | 3,045 |
| Efficiency ratio | 68.3368% | 4,063 |
| Assets per employee ($millions) | 4.8020% | 2,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3327% | 4,731 |
| Loan loss allowance to noncurrent loans | 337.3504% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.3105% | 5,987 |
| Noncurrent loans to loans | 0.3951% | 5,749 |
| Net loans and leases to total assets | 62.1843% | 3,398 |
| Net loans and leases to deposits | 75.8637% | 3,014 |
| Net loans and leases to core deposits | 84.3410% | 2,644 |
| Total domestic deposits to total assets | 81.9684% | 5,146 |
| Equity capital to assets | 8.7178% | 6,005 |
| Core capital (leverage) ratio | 9.0579% | 4,824 |
| Tier 1 risk-based capital ratio | 11.1615% | 6,420 |
| Total risk-based capital ratio | 12.2453% | 6,481 |
| Memoranda: | ||
| Average total assets | $2,478,292,670 | 291 |
| Average earning assets | $2,292,092,330 | 284 |
| Average equity | $212,522,330 | 346 |
| Average total loans | $1,517,657,670 | 305 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 4,239 |
| Cost of funding earning assets | 0.4006% | 6,408 |
| Net interest margin | 4.0195% | 2,421 |
| Noninterest income to average assets | 1.6330% | 545 |
| Noninterest expense to average assets | 3.7643% | 1,265 |
| Loan and lease loss provision to assets | 0.4879% | 1,246 |
| Net operating income to assets | 0.7614% | 3,568 |
| Return on assets (ROA) | 0.8601% | 3,336 |
| Pretax return on assets | 1.2426% | 2,755 |
| Return on Equity (ROE) | 10.1156% | 2,357 |
| Retained earnings to average equity (ytd only) | 10.1156% | 1,238 |
| Net charge-offs to loans | 0.7884% | 1,305 |
| Credit loss provision to net charge-offs | 102.5992% | 2,247 |
| Earnings coverage of net charge-offs (x) | 3.3382% | 2,875 |
| Efficiency ratio | 70.3358% | 3,753 |
| Assets per employee ($millions) | 4.7682% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3765% | 4,705 |
| Loan loss allowance to noncurrent loans | 289.9899% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3453% | 6,020 |
| Noncurrent loans to loans | 0.4747% | 5,724 |
| Net loans and leases to total assets | 58.5461% | 3,952 |
| Net loans and leases to deposits | 71.6180% | 3,491 |
| Net loans and leases to core deposits | 80.0322% | 3,066 |
| Total domestic deposits to total assets | 81.7477% | 5,378 |
| Equity capital to assets | 8.6597% | 5,919 |
| Core capital (leverage) ratio | 9.0765% | 4,718 |
| Tier 1 risk-based capital ratio | 11.2217% | 6,430 |
| Total risk-based capital ratio | 12.2974% | 6,497 |
| Memoranda: | ||
| Average total assets | $2,459,309,500 | 290 |
| Average earning assets | $2,275,400,500 | 281 |
| Average equity | $209,102,000 | 350 |
| Average total loans | $1,483,560,500 | 308 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2909% | 5,787 |
| Cost of funding earning assets | 0.4785% | 6,618 |
| Net interest margin | 3.8124% | 3,762 |
| Noninterest income to average assets | 1.6580% | 507 |
| Noninterest expense to average assets | 3.7289% | 1,481 |
| Loan and lease loss provision to assets | 0.4902% | 2,158 |
| Net operating income to assets | 0.7694% | 3,182 |
| Return on assets (ROA) | 0.8498% | 2,974 |
| Pretax return on assets | 1.0726% | 2,943 |
| Return on Equity (ROE) | 10.6494% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.6494% | 455 |
| Net charge-offs to loans | 0.7296% | 2,330 |
| Credit loss provision to net charge-offs | 117.5549% | 2,737 |
| Earnings coverage of net charge-offs (x) | 3.5039% | 3,493 |
| Efficiency ratio | 71.7397% | 3,628 |
| Assets per employee ($millions) | 4.7733% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3295% | 4,760 |
| Loan loss allowance to noncurrent loans | 307.0520% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 6,113 |
| Noncurrent loans to loans | 0.4330% | 5,841 |
| Net loans and leases to total assets | 60.4714% | 3,899 |
| Net loans and leases to deposits | 73.8998% | 3,514 |
| Net loans and leases to core deposits | 85.8972% | 2,647 |
| Total domestic deposits to total assets | 81.8289% | 5,183 |
| Equity capital to assets | 8.3451% | 6,307 |
| Core capital (leverage) ratio | 8.3049% | 5,849 |
| Tier 1 risk-based capital ratio | 11.5192% | 6,149 |
| Total risk-based capital ratio | 12.6260% | 6,229 |
| Memoranda: | ||
| Average total assets | $2,447,987,000 | 284 |
| Average earning assets | $2,267,919,800 | 277 |
| Average equity | $195,344,800 | 361 |
| Average total loans | $1,399,029,000 | 318 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2524% | 6,074 |
| Cost of funding earning assets | 0.4842% | 6,766 |
| Net interest margin | 3.7683% | 4,022 |
| Noninterest income to average assets | 1.7037% | 477 |
| Noninterest expense to average assets | 3.6789% | 1,539 |
| Loan and lease loss provision to assets | 0.4907% | 2,025 |
| Net operating income to assets | 0.7231% | 3,491 |
| Return on assets (ROA) | 0.8096% | 3,280 |
| Pretax return on assets | 1.1451% | 2,837 |
| Return on Equity (ROE) | 10.2637% | 2,114 |
| Retained earnings to average equity (ytd only) | 10.2637% | 776 |
| Net charge-offs to loans | 0.7472% | 2,071 |
| Credit loss provision to net charge-offs | 117.0351% | 2,788 |
| Earnings coverage of net charge-offs (x) | 3.6109% | 3,370 |
| Efficiency ratio | 70.7016% | 3,811 |
| Assets per employee ($millions) | 4.9088% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,936 |
| Loan loss allowance to noncurrent loans | 322.6110% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 6,299 |
| Noncurrent loans to loans | 0.4078% | 6,032 |
| Net loans and leases to total assets | 56.4700% | 4,765 |
| Net loans and leases to deposits | 71.3349% | 4,091 |
| Net loans and leases to core deposits | 88.5568% | 2,418 |
| Total domestic deposits to total assets | 79.1618% | 5,956 |
| Equity capital to assets | 7.6932% | 6,844 |
| Core capital (leverage) ratio | 8.1893% | 6,144 |
| Tier 1 risk-based capital ratio | 11.0246% | 6,528 |
| Total risk-based capital ratio | 12.0839% | 6,623 |
| Memoranda: | ||
| Average total assets | $2,445,426,750 | 285 |
| Average earning assets | $2,264,370,750 | 277 |
| Average equity | $192,895,500 | 370 |
| Average total loans | $1,372,147,750 | 324 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2473% | 6,170 |
| Cost of funding earning assets | 0.4924% | 6,869 |
| Net interest margin | 3.7549% | 4,012 |
| Noninterest income to average assets | 1.6950% | 469 |
| Noninterest expense to average assets | 3.7779% | 1,380 |
| Loan and lease loss provision to assets | 0.5010% | 1,959 |
| Net operating income to assets | 0.6496% | 3,798 |
| Return on assets (ROA) | 0.7489% | 3,419 |
| Pretax return on assets | 1.0224% | 3,150 |
| Return on Equity (ROE) | 9.4101% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.4101% | 985 |
| Net charge-offs to loans | 0.8547% | 1,798 |
| Credit loss provision to net charge-offs | 105.2262% | 2,933 |
| Earnings coverage of net charge-offs (x) | 2.9137% | 3,391 |
| Efficiency ratio | 72.9169% | 3,556 |
| Assets per employee ($millions) | 4.7076% | 2,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3488% | 4,835 |
| Loan loss allowance to noncurrent loans | 309.5357% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.3173% | 6,337 |
| Noncurrent loans to loans | 0.4358% | 6,035 |
| Net loans and leases to total assets | 53.8243% | 5,315 |
| Net loans and leases to deposits | 67.5266% | 4,784 |
| Net loans and leases to core deposits | 84.1789% | 3,183 |
| Total domestic deposits to total assets | 79.7083% | 5,899 |
| Equity capital to assets | 7.7873% | 6,814 |
| Core capital (leverage) ratio | 8.3443% | 5,799 |
| Tier 1 risk-based capital ratio | 11.0352% | 6,499 |
| Total risk-based capital ratio | 12.0907% | 6,602 |
| Memoranda: | ||
| Average total assets | $2,394,990,670 | 295 |
| Average earning assets | $2,213,495,670 | 287 |
| Average equity | $190,603,000 | 376 |
| Average total loans | $1,334,222,670 | 334 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2382% | 6,180 |
| Cost of funding earning assets | 0.5182% | 6,904 |
| Net interest margin | 3.7200% | 3,998 |
| Noninterest income to average assets | 1.7274% | 460 |
| Noninterest expense to average assets | 3.9025% | 1,171 |
| Loan and lease loss provision to assets | 0.5143% | 1,688 |
| Net operating income to assets | 0.5411% | 4,309 |
| Return on assets (ROA) | 0.6818% | 3,668 |
| Pretax return on assets | 0.9371% | 3,376 |
| Return on Equity (ROE) | 8.4689% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.4689% | 1,562 |
| Net charge-offs to loans | 0.9730% | 1,384 |
| Credit loss provision to net charge-offs | 93.8380% | 2,864 |
| Earnings coverage of net charge-offs (x) | 2.2965% | 3,163 |
| Efficiency ratio | 75.1536% | 3,312 |
| Assets per employee ($millions) | 4.2448% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3902% | 4,710 |
| Loan loss allowance to noncurrent loans | 246.7177% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 6,406 |
| Noncurrent loans to loans | 0.5635% | 5,899 |
| Net loans and leases to total assets | 54.5113% | 5,228 |
| Net loans and leases to deposits | 71.0860% | 4,188 |
| Net loans and leases to core deposits | 83.9990% | 3,159 |
| Total domestic deposits to total assets | 76.6836% | 6,578 |
| Equity capital to assets | 8.0951% | 6,395 |
| Core capital (leverage) ratio | 8.6590% | 5,156 |
| Tier 1 risk-based capital ratio | 11.3251% | 6,227 |
| Total risk-based capital ratio | 12.4078% | 6,357 |
| Memoranda: | ||
| Average total assets | $2,333,196,500 | 310 |
| Average earning assets | $2,153,656,500 | 298 |
| Average equity | $187,840,000 | 380 |
| Average total loans | $1,314,263,000 | 342 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7393% | 5,658 |
| Cost of funding earning assets | 0.6594% | 6,985 |
| Net interest margin | 4.0799% | 2,657 |
| Noninterest income to average assets | 1.9577% | 412 |
| Noninterest expense to average assets | 3.9729% | 1,200 |
| Loan and lease loss provision to assets | 1.2876% | 1,200 |
| Net operating income to assets | 0.3497% | 4,739 |
| Return on assets (ROA) | 0.4840% | 4,329 |
| Pretax return on assets | 0.6327% | 4,218 |
| Return on Equity (ROE) | 6.2655% | 3,470 |
| Retained earnings to average equity (ytd only) | 6.2655% | 1,685 |
| Net charge-offs to loans | 2.3807% | 803 |
| Credit loss provision to net charge-offs | 94.5776% | 4,913 |
| Earnings coverage of net charge-offs (x) | 1.2806% | 4,821 |
| Efficiency ratio | 69.0646% | 4,363 |
| Assets per employee ($millions) | 4.1634% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3703% | 4,655 |
| Loan loss allowance to noncurrent loans | 262.1156% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.3079% | 6,475 |
| Noncurrent loans to loans | 0.5228% | 5,995 |
| Net loans and leases to total assets | 56.6042% | 5,242 |
| Net loans and leases to deposits | 73.3816% | 4,298 |
| Net loans and leases to core deposits | 88.7192% | 2,942 |
| Total domestic deposits to total assets | 77.1368% | 6,464 |
| Equity capital to assets | 8.0059% | 6,492 |
| Core capital (leverage) ratio | 8.3933% | 5,544 |
| Tier 1 risk-based capital ratio | 11.2390% | 6,144 |
| Total risk-based capital ratio | 12.3178% | 6,247 |
| Memoranda: | ||
| Average total assets | $2,213,339,600 | 321 |
| Average earning assets | $2,039,103,600 | 310 |
| Average equity | $170,983,400 | 406 |
| Average total loans | $1,265,736,200 | 361 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8135% | 5,600 |
| Cost of funding earning assets | 0.6805% | 7,106 |
| Net interest margin | 4.1330% | 2,472 |
| Noninterest income to average assets | 1.9405% | 394 |
| Noninterest expense to average assets | 3.9549% | 1,110 |
| Loan and lease loss provision to assets | 1.5547% | 847 |
| Net operating income to assets | 0.1671% | 5,599 |
| Return on assets (ROA) | 0.3129% | 5,288 |
| Pretax return on assets | 0.4470% | 5,088 |
| Return on Equity (ROE) | 4.0896% | 4,730 |
| Retained earnings to average equity (ytd only) | 4.0896% | 3,597 |
| Net charge-offs to loans | 2.9048% | 550 |
| Credit loss provision to net charge-offs | 93.6777% | 4,633 |
| Earnings coverage of net charge-offs (x) | 1.0806% | 4,973 |
| Efficiency ratio | 68.3647% | 4,395 |
| Assets per employee ($millions) | 4.0158% | 3,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3805% | 4,572 |
| Loan loss allowance to noncurrent loans | 192.4512% | 1,496 |
| Noncurrent assets plus other real estate owned to assets | 0.4533% | 6,291 |
| Noncurrent loans to loans | 0.7173% | 5,778 |
| Net loans and leases to total assets | 57.7649% | 5,292 |
| Net loans and leases to deposits | 77.1323% | 3,990 |
| Net loans and leases to core deposits | 99.9529% | 1,855 |
| Total domestic deposits to total assets | 74.8908% | 6,813 |
| Equity capital to assets | 7.8401% | 6,907 |
| Core capital (leverage) ratio | 8.1201% | 6,165 |
| Tier 1 risk-based capital ratio | 10.6889% | 6,643 |
| Total risk-based capital ratio | 11.7789% | 6,745 |
| Memoranda: | ||
| Average total assets | $2,186,914,500 | 322 |
| Average earning assets | $2,014,777,750 | 313 |
| Average equity | $167,314,250 | 407 |
| Average total loans | $1,249,442,000 | 362 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8184% | 5,726 |
| Cost of funding earning assets | 0.6986% | 7,195 |
| Net interest margin | 4.1198% | 2,469 |
| Noninterest income to average assets | 1.8616% | 389 |
| Noninterest expense to average assets | 3.9159% | 1,160 |
| Loan and lease loss provision to assets | 1.0611% | 1,363 |
| Net operating income to assets | 0.4812% | 4,409 |
| Return on assets (ROA) | 0.6264% | 3,889 |
| Pretax return on assets | 0.8949% | 3,513 |
| Return on Equity (ROE) | 8.2582% | 2,781 |
| Retained earnings to average equity (ytd only) | 8.2582% | 1,351 |
| Net charge-offs to loans | 1.7693% | 1,053 |
| Credit loss provision to net charge-offs | 105.8932% | 3,850 |
| Earnings coverage of net charge-offs (x) | 1.7450% | 4,209 |
| Efficiency ratio | 68.6832% | 4,442 |
| Assets per employee ($millions) | 3.9404% | 3,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6176% | 3,376 |
| Loan loss allowance to noncurrent loans | 98.0919% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.9769% | 5,185 |
| Noncurrent loans to loans | 1.6491% | 4,235 |
| Net loans and leases to total assets | 56.2338% | 5,667 |
| Net loans and leases to deposits | 74.5957% | 4,583 |
| Net loans and leases to core deposits | 94.2038% | 2,683 |
| Total domestic deposits to total assets | 75.3670% | 6,802 |
| Equity capital to assets | 7.9820% | 6,770 |
| Core capital (leverage) ratio | 8.3508% | 5,667 |
| Tier 1 risk-based capital ratio | 11.1265% | 6,119 |
| Total risk-based capital ratio | 12.3766% | 6,103 |
| Memoranda: | ||
| Average total assets | $2,167,604,670 | 320 |
| Average earning assets | $2,000,869,670 | 311 |
| Average equity | $164,419,330 | 415 |
| Average total loans | $1,227,627,670 | 366 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 5,734 |
| Cost of funding earning assets | 0.7251% | 7,280 |
| Net interest margin | 4.1127% | 2,388 |
| Noninterest income to average assets | 1.7875% | 404 |
| Noninterest expense to average assets | 3.9670% | 1,079 |
| Loan and lease loss provision to assets | 1.1204% | 1,091 |
| Net operating income to assets | 0.3485% | 5,086 |
| Return on assets (ROA) | 0.5449% | 4,293 |
| Pretax return on assets | 0.7785% | 3,958 |
| Return on Equity (ROE) | 7.3831% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.3831% | 1,983 |
| Net charge-offs to loans | 1.9576% | 880 |
| Credit loss provision to net charge-offs | 101.5400% | 3,347 |
| Earnings coverage of net charge-offs (x) | 1.4667% | 3,858 |
| Efficiency ratio | 70.5637% | 4,202 |
| Assets per employee ($millions) | 3.9216% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 3,203 |
| Loan loss allowance to noncurrent loans | 95.4848% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 1.0098% | 5,131 |
| Noncurrent loans to loans | 1.7412% | 4,137 |
| Net loans and leases to total assets | 54.7427% | 5,924 |
| Net loans and leases to deposits | 70.1613% | 5,320 |
| Net loans and leases to core deposits | 84.8227% | 4,082 |
| Total domestic deposits to total assets | 77.9972% | 6,316 |
| Equity capital to assets | 7.9833% | 6,673 |
| Core capital (leverage) ratio | 8.7798% | 4,887 |
| Tier 1 risk-based capital ratio | 11.7690% | 5,434 |
| Total risk-based capital ratio | 13.0200% | 5,369 |
| Memoranda: | ||
| Average total assets | $2,142,171,000 | 331 |
| Average earning assets | $1,978,180,000 | 319 |
| Average equity | $158,090,000 | 433 |
| Average total loans | $1,207,420,000 | 393 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4296% | 4,537 |
| Cost of funding earning assets | 0.8818% | 7,434 |
| Net interest margin | 4.5478% | 1,081 |
| Noninterest income to average assets | 1.8058% | 453 |
| Noninterest expense to average assets | 4.0062% | 1,355 |
| Loan and lease loss provision to assets | 1.3115% | 1,756 |
| Net operating income to assets | 0.4275% | 4,017 |
| Return on assets (ROA) | 0.6000% | 3,410 |
| Pretax return on assets | 0.9125% | 2,883 |
| Return on Equity (ROE) | 9.4573% | 1,870 |
| Retained earnings to average equity (ytd only) | 9.4573% | 436 |
| Net charge-offs to loans | 1.9622% | 1,257 |
| Credit loss provision to net charge-offs | 116.0662% | 4,678 |
| Earnings coverage of net charge-offs (x) | 1.7369% | 4,424 |
| Efficiency ratio | 66.7942% | 5,226 |
| Assets per employee ($millions) | 3.7721% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 3,144 |
| Loan loss allowance to noncurrent loans | 103.6566% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 0.9662% | 5,174 |
| Noncurrent loans to loans | 1.5790% | 4,282 |
| Net loans and leases to total assets | 56.1359% | 5,930 |
| Net loans and leases to deposits | 74.0858% | 5,025 |
| Net loans and leases to core deposits | 91.1398% | 4,999 |
| Total domestic deposits to total assets | 75.7442% | 6,732 |
| Equity capital to assets | 6.7682% | 7,473 |
| Core capital (leverage) ratio | 6.9702% | 7,266 |
| Tier 1 risk-based capital ratio | 10.0037% | 6,868 |
| Total risk-based capital ratio | 11.2547% | 6,834 |
| Memoranda: | ||
| Average total assets | $2,127,401,400 | 332 |
| Average earning assets | $1,947,412,000 | 328 |
| Average equity | $134,965,200 | 498 |
| Average total loans | $1,225,036,600 | 401 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4483% | 4,695 |
| Cost of funding earning assets | 0.9108% | 7,536 |
| Net interest margin | 4.5376% | 1,103 |
| Noninterest income to average assets | 1.7560% | 473 |
| Noninterest expense to average assets | 4.0366% | 1,232 |
| Loan and lease loss provision to assets | 1.2503% | 1,545 |
| Net operating income to assets | 0.3762% | 4,492 |
| Return on assets (ROA) | 0.5832% | 3,732 |
| Pretax return on assets | 0.9355% | 3,111 |
| Return on Equity (ROE) | 9.3485% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.3485% | 752 |
| Net charge-offs to loans | 1.8310% | 1,101 |
| Credit loss provision to net charge-offs | 118.3204% | 4,291 |
| Earnings coverage of net charge-offs (x) | 1.7625% | 4,473 |
| Efficiency ratio | 68.1357% | 4,941 |
| Assets per employee ($millions) | 3.6860% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5547% | 3,174 |
| Loan loss allowance to noncurrent loans | 89.5952% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 1.0963% | 4,888 |
| Noncurrent loans to loans | 1.7353% | 4,030 |
| Net loans and leases to total assets | 57.2588% | 6,001 |
| Net loans and leases to deposits | 83.3058% | 3,773 |
| Net loans and leases to core deposits | 101.0910% | 4,257 |
| Total domestic deposits to total assets | 68.7058% | 7,515 |
| Equity capital to assets | 6.6119% | 7,737 |
| Core capital (leverage) ratio | 7.0043% | 7,435 |
| Tier 1 risk-based capital ratio | 9.5250% | 7,355 |
| Total risk-based capital ratio | 10.7729% | 7,323 |
| Memoranda: | ||
| Average total assets | $2,127,386,250 | 345 |
| Average earning assets | $1,942,436,000 | 339 |
| Average equity | $132,709,000 | 514 |
| Average total loans | $1,227,760,000 | 417 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4357% | 4,963 |
| Cost of funding earning assets | 0.9332% | 7,654 |
| Net interest margin | 4.5026% | 1,164 |
| Noninterest income to average assets | 1.6506% | 542 |
| Noninterest expense to average assets | 4.0033% | 1,314 |
| Loan and lease loss provision to assets | 1.2192% | 1,411 |
| Net operating income to assets | 0.3133% | 4,832 |
| Return on assets (ROA) | 0.5497% | 4,001 |
| Pretax return on assets | 0.8920% | 3,370 |
| Return on Equity (ROE) | 8.9895% | 2,363 |
| Retained earnings to average equity (ytd only) | 8.9895% | 945 |
| Net charge-offs to loans | 1.7720% | 1,072 |
| Credit loss provision to net charge-offs | 119.5292% | 3,890 |
| Earnings coverage of net charge-offs (x) | 1.7076% | 4,276 |
| Efficiency ratio | 69.6818% | 4,848 |
| Assets per employee ($millions) | 3.6090% | 4,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4953% | 3,229 |
| Loan loss allowance to noncurrent loans | 81.3585% | 3,469 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 4,727 |
| Noncurrent loans to loans | 1.8380% | 3,752 |
| Net loans and leases to total assets | 56.8732% | 6,103 |
| Net loans and leases to deposits | 88.7774% | 3,039 |
| Net loans and leases to core deposits | 105.0039% | 3,959 |
| Total domestic deposits to total assets | 64.0351% | 7,826 |
| Equity capital to assets | 6.3654% | 7,847 |
| Core capital (leverage) ratio | 7.0593% | 7,494 |
| Tier 1 risk-based capital ratio | 9.6546% | 7,268 |
| Total risk-based capital ratio | 10.8822% | 7,242 |
| Memoranda: | ||
| Average total assets | $2,132,497,000 | 349 |
| Average earning assets | $1,939,210,330 | 346 |
| Average equity | $130,396,670 | 530 |
| Average total loans | $1,227,535,000 | 431 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4329% | 5,257 |
| Cost of funding earning assets | 0.9601% | 7,735 |
| Net interest margin | 4.4728% | 1,187 |
| Noninterest income to average assets | 1.4313% | 687 |
| Noninterest expense to average assets | 3.7400% | 1,579 |
| Loan and lease loss provision to assets | 1.1543% | 1,133 |
| Net operating income to assets | 0.3534% | 5,052 |
| Return on assets (ROA) | 0.7186% | 3,664 |
| Pretax return on assets | 1.1777% | 2,693 |
| Return on Equity (ROE) | 11.9927% | 1,661 |
| Retained earnings to average equity (ytd only) | 11.9927% | 783 |
| Net charge-offs to loans | 1.6363% | 885 |
| Credit loss provision to net charge-offs | 122.7237% | 3,220 |
| Earnings coverage of net charge-offs (x) | 1.8727% | 3,791 |
| Efficiency ratio | 67.9831% | 4,971 |
| Assets per employee ($millions) | 3.7717% | 4,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4006% | 3,496 |
| Loan loss allowance to noncurrent loans | 101.1854% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.8749% | 5,000 |
| Noncurrent loans to loans | 1.3842% | 4,234 |
| Net loans and leases to total assets | 57.4939% | 6,025 |
| Net loans and leases to deposits | 85.1744% | 3,781 |
| Net loans and leases to core deposits | 99.5560% | 4,581 |
| Total domestic deposits to total assets | 67.4738% | 7,632 |
| Equity capital to assets | 6.1885% | 7,959 |
| Core capital (leverage) ratio | 6.8755% | 7,712 |
| Tier 1 risk-based capital ratio | 9.7596% | 7,188 |
| Total risk-based capital ratio | 10.9416% | 7,176 |
| Memoranda: | ||
| Average total assets | $2,148,540,000 | 349 |
| Average earning assets | $1,955,126,500 | 346 |
| Average equity | $128,745,500 | 536 |
| Average total loans | $1,234,950,000 | 433 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1116% | 4,981 |
| Cost of funding earning assets | 1.5994% | 7,452 |
| Net interest margin | 4.5122% | 1,392 |
| Noninterest income to average assets | 1.6447% | 511 |
| Noninterest expense to average assets | 3.8419% | 1,675 |
| Loan and lease loss provision to assets | 0.3966% | 3,311 |
| Net operating income to assets | 0.9811% | 2,630 |
| Return on assets (ROA) | 0.9297% | 2,731 |
| Pretax return on assets | 1.4716% | 1,759 |
| Return on Equity (ROE) | 15.2152% | 893 |
| Retained earnings to average equity (ytd only) | 5.4314% | 1,797 |
| Net charge-offs to loans | 0.6101% | 2,010 |
| Credit loss provision to net charge-offs | 112.5000% | 4,790 |
| Earnings coverage of net charge-offs (x) | 5.5265% | 3,618 |
| Efficiency ratio | 66.3496% | 5,051 |
| Assets per employee ($millions) | 3.9149% | 3,693 |
| Cash dividends to net income (ytd only)* | 64.3026% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2861% | 3,885 |
| Loan loss allowance to noncurrent loans | 196.1049% | 1,975 |
| Noncurrent assets plus other real estate owned to assets | 0.4420% | 5,889 |
| Noncurrent loans to loans | 0.6558% | 5,396 |
| Net loans and leases to total assets | 55.9537% | 6,442 |
| Net loans and leases to deposits | 84.5491% | 4,329 |
| Net loans and leases to core deposits | 99.0218% | 4,928 |
| Total domestic deposits to total assets | 66.1526% | 7,650 |
| Equity capital to assets | 5.8045% | 8,094 |
| Core capital (leverage) ratio | 6.6159% | 7,893 |
| Tier 1 risk-based capital ratio | 9.6415% | 7,156 |
| Total risk-based capital ratio | 10.7673% | 7,210 |
| Memoranda: | ||
| Average total assets | $2,098,844,200 | 344 |
| Average earning assets | $1,928,367,000 | 340 |
| Average equity | $128,253,600 | 534 |
| Average total loans | $1,212,893,400 | 423 |