Home > Stonegate Bank > Performance and Condition Ratios
Stonegate Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3420% | 1,993 |
| Cost of funding earning assets | 0.5276% | 1,938 |
| Net interest margin | 3.8143% | 2,234 |
| Noninterest income to average assets | 0.3188% | 4,272 |
| Noninterest expense to average assets | 2.0297% | 4,907 |
| Loan and lease loss provision to assets | 0.0776% | 2,428 |
| Net operating income to assets | 1.0556% | 2,182 |
| Return on assets (ROA) | 1.0556% | 2,223 |
| Pretax return on assets | 1.6174% | 1,292 |
| Return on Equity (ROE) | 8.2762% | 2,879 |
| Retained earnings to average equity (ytd only) | 7.0336% | 1,581 |
| Net charge-offs to loans | 0.0200% | 2,842 |
| Credit loss provision to net charge-offs | 500.0000% | 656 |
| Earnings coverage of net charge-offs (x) | 109.1792% | 614 |
| Efficiency ratio | 52.6893% | 5,122 |
| Assets per employee ($millions) | 9.9808% | 303 |
| Cash dividends to net income (ytd only)* | 15.0141% | 3,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8067% | 4,929 |
| Loan loss allowance to noncurrent loans | 176.4110% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4934% | 3,111 |
| Noncurrent loans to loans | 0.4573% | 3,374 |
| Net loans and leases to total assets | 77.8728% | 1,263 |
| Net loans and leases to deposits | 93.0349% | 1,357 |
| Net loans and leases to core deposits | 112.9317% | 854 |
| Total domestic deposits to total assets | 83.7028% | 3,321 |
| Equity capital to assets | 13.3321% | 1,214 |
| Core capital (leverage) ratio | 10.6849% | 2,716 |
| Tier 1 risk-based capital ratio | 11.5256% | 4,938 |
| Total risk-based capital ratio | 12.5271% | 4,985 |
| Memoranda: | ||
| Average total assets | $3,091,697,330 | 303 |
| Average earning assets | $2,760,687,000 | 307 |
| Average equity | $394,334,000 | 272 |
| Average total loans | $2,405,413,000 | 283 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 2,039 |
| Cost of funding earning assets | 0.5079% | 2,017 |
| Net interest margin | 3.7630% | 2,253 |
| Noninterest income to average assets | 0.2655% | 4,643 |
| Noninterest expense to average assets | 1.9643% | 5,121 |
| Loan and lease loss provision to assets | 0.0782% | 2,252 |
| Net operating income to assets | 1.0414% | 2,111 |
| Return on assets (ROA) | 1.0414% | 2,163 |
| Pretax return on assets | 1.5953% | 1,251 |
| Return on Equity (ROE) | 8.3578% | 2,740 |
| Retained earnings to average equity (ytd only) | 7.0781% | 1,818 |
| Net charge-offs to loans | -0.0084% | 4,354 |
| Credit loss provision to net charge-offs | -1,200.0000% | 4,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3402% | 5,252 |
| Assets per employee ($millions) | 9.7239% | 335 |
| Cash dividends to net income (ytd only)* | 15.3115% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7875% | 5,102 |
| Loan loss allowance to noncurrent loans | 215.0105% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.4110% | 3,542 |
| Noncurrent loans to loans | 0.3663% | 3,777 |
| Net loans and leases to total assets | 76.0150% | 1,417 |
| Net loans and leases to deposits | 90.4177% | 1,489 |
| Net loans and leases to core deposits | 108.1957% | 963 |
| Total domestic deposits to total assets | 84.0709% | 3,450 |
| Equity capital to assets | 12.6639% | 1,432 |
| Core capital (leverage) ratio | 10.0817% | 3,396 |
| Tier 1 risk-based capital ratio | 11.2736% | 5,152 |
| Total risk-based capital ratio | 12.2645% | 5,208 |
| Memoranda: | ||
| Average total assets | $3,070,556,000 | 307 |
| Average earning assets | $2,751,712,500 | 309 |
| Average equity | $382,588,500 | 278 |
| Average total loans | $2,377,937,000 | 287 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 2,114 |
| Cost of funding earning assets | 0.4589% | 2,454 |
| Net interest margin | 3.8490% | 2,142 |
| Noninterest income to average assets | 0.3258% | 4,408 |
| Noninterest expense to average assets | 2.1386% | 4,918 |
| Loan and lease loss provision to assets | 0.0074% | 4,214 |
| Net operating income to assets | 1.1059% | 1,875 |
| Return on assets (ROA) | 1.1059% | 1,969 |
| Pretax return on assets | 1.6534% | 1,123 |
| Return on Equity (ROE) | 9.2134% | 2,307 |
| Retained earnings to average equity (ytd only) | 7.8359% | 908 |
| Net charge-offs to loans | -0.0266% | 5,198 |
| Credit loss provision to net charge-offs | -35.3480% | 4,797 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5594% | 5,194 |
| Assets per employee ($millions) | 9.3346% | 383 |
| Cash dividends to net income (ytd only)* | 14.9508% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8303% | 5,020 |
| Loan loss allowance to noncurrent loans | 220.2939% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.3915% | 3,701 |
| Noncurrent loans to loans | 0.3769% | 3,775 |
| Net loans and leases to total assets | 77.7126% | 1,245 |
| Net loans and leases to deposits | 92.1072% | 1,442 |
| Net loans and leases to core deposits | 112.9592% | 737 |
| Total domestic deposits to total assets | 84.3719% | 3,283 |
| Equity capital to assets | 12.2323% | 1,668 |
| Core capital (leverage) ratio | 9.9821% | 3,499 |
| Tier 1 risk-based capital ratio | 11.0867% | 5,293 |
| Total risk-based capital ratio | 12.1327% | 5,292 |
| Memoranda: | ||
| Average total assets | $2,616,421,200 | 331 |
| Average earning assets | $2,361,270,000 | 332 |
| Average equity | $314,053,600 | 313 |
| Average total loans | $2,055,131,200 | 302 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1747% | 2,593 |
| Cost of funding earning assets | 0.4397% | 2,643 |
| Net interest margin | 3.7350% | 2,575 |
| Noninterest income to average assets | 0.3185% | 4,492 |
| Noninterest expense to average assets | 2.0470% | 5,116 |
| Loan and lease loss provision to assets | 0.0101% | 4,038 |
| Net operating income to assets | 1.0447% | 2,225 |
| Return on assets (ROA) | 1.0447% | 2,349 |
| Pretax return on assets | 1.6272% | 1,312 |
| Return on Equity (ROE) | 8.7510% | 2,631 |
| Retained earnings to average equity (ytd only) | 7.3532% | 1,458 |
| Net charge-offs to loans | -0.0271% | 5,120 |
| Credit loss provision to net charge-offs | -47.4201% | 4,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8111% | 5,253 |
| Assets per employee ($millions) | 9.3540% | 368 |
| Cash dividends to net income (ytd only)* | 15.9737% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8177% | 5,140 |
| Loan loss allowance to noncurrent loans | 197.4618% | 2,263 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 3,491 |
| Noncurrent loans to loans | 0.4141% | 3,789 |
| Net loans and leases to total assets | 77.4269% | 1,293 |
| Net loans and leases to deposits | 91.2581% | 1,601 |
| Net loans and leases to core deposits | 111.8138% | 820 |
| Total domestic deposits to total assets | 84.8439% | 2,875 |
| Equity capital to assets | 11.7839% | 2,273 |
| Core capital (leverage) ratio | 9.9716% | 3,610 |
| Tier 1 risk-based capital ratio | 10.6260% | 5,560 |
| Total risk-based capital ratio | 11.6510% | 5,587 |
| Memoranda: | ||
| Average total assets | $2,544,760,250 | 340 |
| Average earning assets | $2,293,227,000 | 337 |
| Average equity | $303,788,750 | 320 |
| Average total loans | $2,000,180,000 | 304 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3334% | 2,042 |
| Cost of funding earning assets | 0.4498% | 2,569 |
| Net interest margin | 3.8837% | 2,034 |
| Noninterest income to average assets | 0.3324% | 4,404 |
| Noninterest expense to average assets | 2.0977% | 5,063 |
| Loan and lease loss provision to assets | 0.0160% | 3,792 |
| Net operating income to assets | 1.1088% | 1,926 |
| Return on assets (ROA) | 1.1088% | 2,049 |
| Pretax return on assets | 1.7171% | 1,052 |
| Return on Equity (ROE) | 9.2398% | 2,384 |
| Retained earnings to average equity (ytd only) | 7.8238% | 1,232 |
| Net charge-offs to loans | -0.0266% | 5,073 |
| Credit loss provision to net charge-offs | -76.2846% | 4,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9814% | 5,387 |
| Assets per employee ($millions) | 9.1790% | 365 |
| Cash dividends to net income (ytd only)* | 15.3254% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9467% | 4,770 |
| Loan loss allowance to noncurrent loans | 430.6392% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.2050% | 4,669 |
| Noncurrent loans to loans | 0.2198% | 4,555 |
| Net loans and leases to total assets | 80.8982% | 773 |
| Net loans and leases to deposits | 95.6010% | 1,116 |
| Net loans and leases to core deposits | 116.1406% | 636 |
| Total domestic deposits to total assets | 84.6206% | 3,039 |
| Equity capital to assets | 12.3482% | 1,869 |
| Core capital (leverage) ratio | 10.3669% | 3,118 |
| Tier 1 risk-based capital ratio | 11.1252% | 5,348 |
| Total risk-based capital ratio | 11.9635% | 5,496 |
| Memoranda: | ||
| Average total assets | $2,413,964,670 | 346 |
| Average earning assets | $2,174,487,330 | 349 |
| Average equity | $289,681,670 | 328 |
| Average total loans | $1,902,609,670 | 310 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 2,217 |
| Cost of funding earning assets | 0.4456% | 2,632 |
| Net interest margin | 3.8300% | 2,184 |
| Noninterest income to average assets | 0.3759% | 4,026 |
| Noninterest expense to average assets | 2.0714% | 5,170 |
| Loan and lease loss provision to assets | 0.0319% | 3,238 |
| Net operating income to assets | 1.1075% | 1,870 |
| Return on assets (ROA) | 1.1075% | 1,976 |
| Pretax return on assets | 1.6857% | 1,100 |
| Return on Equity (ROE) | 9.3637% | 2,258 |
| Retained earnings to average equity (ytd only) | 7.9331% | 1,485 |
| Net charge-offs to loans | -0.0325% | 5,101 |
| Credit loss provision to net charge-offs | -126.9737% | 4,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8613% | 5,464 |
| Assets per employee ($millions) | 9.3734% | 348 |
| Cash dividends to net income (ytd only)* | 15.2778% | 2,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,711 |
| Loan loss allowance to noncurrent loans | 375.7416% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.2233% | 4,668 |
| Noncurrent loans to loans | 0.2610% | 4,503 |
| Net loans and leases to total assets | 76.0494% | 1,385 |
| Net loans and leases to deposits | 89.3274% | 1,656 |
| Net loans and leases to core deposits | 108.0218% | 969 |
| Total domestic deposits to total assets | 85.1355% | 3,069 |
| Equity capital to assets | 11.7890% | 2,167 |
| Core capital (leverage) ratio | 10.2129% | 3,300 |
| Tier 1 risk-based capital ratio | 11.2862% | 5,352 |
| Total risk-based capital ratio | 12.1585% | 5,458 |
| Memoranda: | ||
| Average total assets | $2,418,499,000 | 347 |
| Average earning assets | $2,155,183,500 | 349 |
| Average equity | $286,042,000 | 327 |
| Average total loans | $1,871,858,500 | 311 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8087% | 912 |
| Cost of funding earning assets | 0.4322% | 2,827 |
| Net interest margin | 4.3765% | 834 |
| Noninterest income to average assets | 0.3302% | 4,539 |
| Noninterest expense to average assets | 2.3508% | 4,648 |
| Loan and lease loss provision to assets | 0.0773% | 2,730 |
| Net operating income to assets | 1.1488% | 1,737 |
| Return on assets (ROA) | 1.1491% | 1,805 |
| Pretax return on assets | 1.8050% | 799 |
| Return on Equity (ROE) | 9.6843% | 2,140 |
| Retained earnings to average equity (ytd only) | 8.6854% | 733 |
| Net charge-offs to loans | 0.0102% | 4,111 |
| Credit loss provision to net charge-offs | 978.6127% | 352 |
| Earnings coverage of net charge-offs (x) | 238.1850% | 295 |
| Efficiency ratio | 53.5937% | 5,546 |
| Assets per employee ($millions) | 9.1936% | 358 |
| Cash dividends to net income (ytd only)* | 10.3144% | 4,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9770% | 4,728 |
| Loan loss allowance to noncurrent loans | 273.5755% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 4,238 |
| Noncurrent loans to loans | 0.3571% | 4,172 |
| Net loans and leases to total assets | 77.2491% | 1,220 |
| Net loans and leases to deposits | 90.8201% | 1,529 |
| Net loans and leases to core deposits | 107.5531% | 996 |
| Total domestic deposits to total assets | 85.0573% | 3,062 |
| Equity capital to assets | 11.8667% | 2,057 |
| Core capital (leverage) ratio | 9.9690% | 3,551 |
| Tier 1 risk-based capital ratio | 10.9802% | 5,531 |
| Total risk-based capital ratio | 11.8402% | 5,657 |
| Memoranda: | ||
| Average total assets | $2,189,529,400 | 358 |
| Average earning assets | $1,952,426,600 | 363 |
| Average equity | $259,792,600 | 333 |
| Average total loans | $1,703,865,800 | 318 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 764 |
| Cost of funding earning assets | 0.4312% | 2,891 |
| Net interest margin | 4.4694% | 699 |
| Noninterest income to average assets | 0.2951% | 4,832 |
| Noninterest expense to average assets | 2.4376% | 4,395 |
| Loan and lease loss provision to assets | 0.0867% | 2,429 |
| Net operating income to assets | 1.1138% | 1,946 |
| Return on assets (ROA) | 1.1141% | 2,024 |
| Pretax return on assets | 1.7560% | 981 |
| Return on Equity (ROE) | 9.3898% | 2,359 |
| Retained earnings to average equity (ytd only) | 8.5634% | 1,040 |
| Net charge-offs to loans | -0.0001% | 4,644 |
| Credit loss provision to net charge-offs | -139,300.0000% | 5,768 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9873% | 5,445 |
| Assets per employee ($millions) | 8.9652% | 374 |
| Cash dividends to net income (ytd only)* | 8.8014% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9805% | 4,835 |
| Loan loss allowance to noncurrent loans | 283.0689% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 4,210 |
| Noncurrent loans to loans | 0.3464% | 4,372 |
| Net loans and leases to total assets | 78.6884% | 997 |
| Net loans and leases to deposits | 93.2132% | 1,282 |
| Net loans and leases to core deposits | 110.1128% | 868 |
| Total domestic deposits to total assets | 84.4176% | 3,253 |
| Equity capital to assets | 11.8526% | 2,216 |
| Core capital (leverage) ratio | 9.9705% | 3,675 |
| Tier 1 risk-based capital ratio | 10.6778% | 5,810 |
| Total risk-based capital ratio | 11.5376% | 5,890 |
| Memoranda: | ||
| Average total assets | $2,141,623,000 | 371 |
| Average earning assets | $1,909,401,750 | 371 |
| Average equity | $254,099,750 | 349 |
| Average total loans | $1,665,439,750 | 331 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9092% | 714 |
| Cost of funding earning assets | 0.4350% | 2,898 |
| Net interest margin | 4.4742% | 666 |
| Noninterest income to average assets | 0.2933% | 4,864 |
| Noninterest expense to average assets | 2.5648% | 4,022 |
| Loan and lease loss provision to assets | 0.0528% | 3,065 |
| Net operating income to assets | 1.0605% | 2,097 |
| Return on assets (ROA) | 1.0610% | 2,204 |
| Pretax return on assets | 1.6709% | 1,141 |
| Return on Equity (ROE) | 8.9388% | 2,582 |
| Retained earnings to average equity (ytd only) | 8.0747% | 1,234 |
| Net charge-offs to loans | -0.0292% | 5,319 |
| Credit loss provision to net charge-offs | -234.0426% | 5,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7950% | 5,241 |
| Assets per employee ($millions) | 8.8799% | 387 |
| Cash dividends to net income (ytd only)* | 9.6672% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9777% | 4,977 |
| Loan loss allowance to noncurrent loans | 374.5752% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.3102% | 4,640 |
| Noncurrent loans to loans | 0.2610% | 4,738 |
| Net loans and leases to total assets | 77.5836% | 1,125 |
| Net loans and leases to deposits | 91.3062% | 1,449 |
| Net loans and leases to core deposits | 107.8150% | 965 |
| Total domestic deposits to total assets | 84.9707% | 3,136 |
| Equity capital to assets | 11.7533% | 2,201 |
| Core capital (leverage) ratio | 9.7296% | 3,967 |
| Tier 1 risk-based capital ratio | 10.6874% | 5,848 |
| Total risk-based capital ratio | 11.5472% | 5,938 |
| Memoranda: | ||
| Average total assets | $2,084,491,670 | 378 |
| Average earning assets | $1,860,986,000 | 376 |
| Average equity | $247,415,330 | 361 |
| Average total loans | $1,607,886,670 | 339 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9635% | 607 |
| Cost of funding earning assets | 0.4773% | 2,480 |
| Net interest margin | 4.4862% | 616 |
| Noninterest income to average assets | 0.2906% | 4,850 |
| Noninterest expense to average assets | 2.7032% | 3,578 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0080% | 2,230 |
| Return on assets (ROA) | 1.0090% | 2,360 |
| Pretax return on assets | 1.5959% | 1,279 |
| Return on Equity (ROE) | 8.4536% | 2,722 |
| Retained earnings to average equity (ytd only) | 7.5493% | 1,743 |
| Net charge-offs to loans | -0.0363% | 5,361 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7689% | 4,992 |
| Assets per employee ($millions) | 8.5802% | 421 |
| Cash dividends to net income (ytd only)* | 10.6972% | 2,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9674% | 5,180 |
| Loan loss allowance to noncurrent loans | 374.2634% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.2275% | 5,025 |
| Noncurrent loans to loans | 0.2585% | 4,859 |
| Net loans and leases to total assets | 76.0650% | 1,197 |
| Net loans and leases to deposits | 90.1380% | 1,372 |
| Net loans and leases to core deposits | 106.2276% | 919 |
| Total domestic deposits to total assets | 84.3873% | 3,657 |
| Equity capital to assets | 12.1399% | 1,930 |
| Core capital (leverage) ratio | 10.6365% | 2,810 |
| Tier 1 risk-based capital ratio | 11.4809% | 5,565 |
| Total risk-based capital ratio | 12.3303% | 5,687 |
| Memoranda: | ||
| Average total assets | $1,990,109,000 | 383 |
| Average earning assets | $1,777,457,500 | 389 |
| Average equity | $237,532,000 | 369 |
| Average total loans | $1,521,286,000 | 347 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4160% | 2,174 |
| Cost of funding earning assets | 0.5133% | 2,542 |
| Net interest margin | 3.9027% | 2,232 |
| Noninterest income to average assets | 0.2939% | 5,016 |
| Noninterest expense to average assets | 2.6165% | 4,157 |
| Loan and lease loss provision to assets | -0.0666% | 6,083 |
| Net operating income to assets | 0.8102% | 3,323 |
| Return on assets (ROA) | 0.8102% | 3,410 |
| Pretax return on assets | 1.2433% | 2,475 |
| Return on Equity (ROE) | 7.0520% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.0838% | 1,869 |
| Net charge-offs to loans | -0.0324% | 5,809 |
| Credit loss provision to net charge-offs | 282.2581% | 899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8655% | 4,081 |
| Assets per employee ($millions) | 9.0244% | 339 |
| Cash dividends to net income (ytd only)* | 13.7302% | 4,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2700% | 3,595 |
| Loan loss allowance to noncurrent loans | 454.7170% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 0.2272% | 5,114 |
| Noncurrent loans to loans | 0.2793% | 4,850 |
| Net loans and leases to total assets | 74.9967% | 1,420 |
| Net loans and leases to deposits | 88.9854% | 1,620 |
| Net loans and leases to core deposits | 108.7323% | 844 |
| Total domestic deposits to total assets | 84.2798% | 3,596 |
| Equity capital to assets | 11.6482% | 2,303 |
| Core capital (leverage) ratio | 10.8834% | 2,515 |
| Tier 1 risk-based capital ratio | 12.9386% | 4,762 |
| Total risk-based capital ratio | 14.1104% | 4,732 |
| Memoranda: | ||
| Average total assets | $1,577,642,600 | 445 |
| Average earning assets | $1,414,592,800 | 448 |
| Average equity | $181,253,000 | 441 |
| Average total loans | $1,149,522,600 | 409 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4429% | 2,072 |
| Cost of funding earning assets | 0.5249% | 2,517 |
| Net interest margin | 3.9180% | 2,165 |
| Noninterest income to average assets | 0.2996% | 5,056 |
| Noninterest expense to average assets | 2.7803% | 3,540 |
| Loan and lease loss provision to assets | 0.0454% | 3,485 |
| Net operating income to assets | 0.6534% | 4,204 |
| Return on assets (ROA) | 0.6534% | 4,299 |
| Pretax return on assets | 0.9865% | 3,646 |
| Return on Equity (ROE) | 5.7097% | 4,388 |
| Retained earnings to average equity (ytd only) | 4.7172% | 3,270 |
| Net charge-offs to loans | -0.0717% | 6,039 |
| Credit loss provision to net charge-offs | -87.9397% | 5,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8022% | 3,368 |
| Assets per employee ($millions) | 8.6400% | 390 |
| Cash dividends to net income (ytd only)* | 17.3838% | 3,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 2,748 |
| Loan loss allowance to noncurrent loans | 371.3278% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2981% | 5,073 |
| Noncurrent loans to loans | 0.4023% | 4,701 |
| Net loans and leases to total assets | 72.4990% | 1,765 |
| Net loans and leases to deposits | 86.1204% | 1,893 |
| Net loans and leases to core deposits | 101.6004% | 1,242 |
| Total domestic deposits to total assets | 84.1832% | 3,693 |
| Equity capital to assets | 11.6309% | 2,373 |
| Core capital (leverage) ratio | 10.7505% | 2,758 |
| Tier 1 risk-based capital ratio | 13.4625% | 4,568 |
| Total risk-based capital ratio | 14.7143% | 4,506 |
| Memoranda: | ||
| Average total assets | $1,541,136,750 | 449 |
| Average earning assets | $1,381,690,750 | 453 |
| Average equity | $176,372,250 | 443 |
| Average total loans | $1,109,572,750 | 421 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 1,787 |
| Cost of funding earning assets | 0.5404% | 2,430 |
| Net interest margin | 3.9747% | 1,889 |
| Noninterest income to average assets | 0.3172% | 4,873 |
| Noninterest expense to average assets | 3.0385% | 2,700 |
| Loan and lease loss provision to assets | 0.0702% | 2,872 |
| Net operating income to assets | 0.5296% | 4,692 |
| Return on assets (ROA) | 0.5296% | 4,782 |
| Pretax return on assets | 0.7745% | 4,365 |
| Return on Equity (ROE) | 4.6563% | 4,836 |
| Retained earnings to average equity (ytd only) | 3.6303% | 3,880 |
| Net charge-offs to loans | -0.0869% | 6,100 |
| Credit loss provision to net charge-offs | -113.1466% | 5,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1438% | 2,606 |
| Assets per employee ($millions) | 8.5004% | 397 |
| Cash dividends to net income (ytd only)* | 22.0343% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5096% | 2,853 |
| Loan loss allowance to noncurrent loans | 243.1039% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 4,530 |
| Noncurrent loans to loans | 0.6210% | 4,162 |
| Net loans and leases to total assets | 72.0117% | 1,742 |
| Net loans and leases to deposits | 84.3732% | 1,998 |
| Net loans and leases to core deposits | 99.9443% | 1,289 |
| Total domestic deposits to total assets | 85.3490% | 3,343 |
| Equity capital to assets | 11.5334% | 2,391 |
| Core capital (leverage) ratio | 10.4312% | 3,041 |
| Tier 1 risk-based capital ratio | 13.5400% | 4,556 |
| Total risk-based capital ratio | 14.7922% | 4,498 |
| Memoranda: | ||
| Average total assets | $1,496,131,670 | 459 |
| Average earning assets | $1,342,275,000 | 466 |
| Average equity | $170,179,000 | 454 |
| Average total loans | $1,068,223,000 | 432 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5928% | 1,526 |
| Cost of funding earning assets | 0.5556% | 2,379 |
| Net interest margin | 4.0373% | 1,638 |
| Noninterest income to average assets | 0.3815% | 4,341 |
| Noninterest expense to average assets | 2.9312% | 3,116 |
| Loan and lease loss provision to assets | 0.1484% | 1,641 |
| Net operating income to assets | 0.5816% | 4,287 |
| Return on assets (ROA) | 0.5816% | 4,356 |
| Pretax return on assets | 0.9247% | 3,607 |
| Return on Equity (ROE) | 5.1553% | 4,463 |
| Retained earnings to average equity (ytd only) | 4.1583% | 3,636 |
| Net charge-offs to loans | -0.0606% | 5,894 |
| Credit loss provision to net charge-offs | -347.6821% | 5,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1977% | 3,627 |
| Assets per employee ($millions) | 8.0321% | 472 |
| Cash dividends to net income (ytd only)* | 19.3392% | 2,535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5231% | 3,050 |
| Loan loss allowance to noncurrent loans | 215.7011% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5727% | 4,429 |
| Noncurrent loans to loans | 0.7061% | 4,105 |
| Net loans and leases to total assets | 67.9628% | 2,228 |
| Net loans and leases to deposits | 78.8848% | 2,436 |
| Net loans and leases to core deposits | 93.0654% | 1,634 |
| Total domestic deposits to total assets | 86.1545% | 3,277 |
| Equity capital to assets | 10.9830% | 2,729 |
| Core capital (leverage) ratio | 10.6703% | 2,738 |
| Tier 1 risk-based capital ratio | 13.6088% | 4,601 |
| Total risk-based capital ratio | 14.8612% | 4,556 |
| Memoranda: | ||
| Average total assets | $1,415,412,000 | 485 |
| Average earning assets | $1,270,067,000 | 490 |
| Average equity | $159,681,500 | 479 |
| Average total loans | $996,364,000 | 453 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 2,193 |
| Cost of funding earning assets | 0.7016% | 1,803 |
| Net interest margin | 3.8006% | 2,654 |
| Noninterest income to average assets | 0.4170% | 4,323 |
| Noninterest expense to average assets | 2.3079% | 5,361 |
| Loan and lease loss provision to assets | 0.2311% | 1,564 |
| Net operating income to assets | 0.8266% | 3,149 |
| Return on assets (ROA) | 0.8812% | 2,959 |
| Pretax return on assets | 1.3815% | 1,860 |
| Return on Equity (ROE) | 7.2573% | 3,431 |
| Retained earnings to average equity (ytd only) | 6.2299% | 1,828 |
| Net charge-offs to loans | 0.1352% | 3,450 |
| Credit loss provision to net charge-offs | 237.9747% | 965 |
| Earnings coverage of net charge-offs (x) | 15.7244% | 1,853 |
| Efficiency ratio | 59.5902% | 5,526 |
| Assets per employee ($millions) | 8.7499% | 363 |
| Cash dividends to net income (ytd only)* | 14.1569% | 3,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1314% | 1,282 |
| Loan loss allowance to noncurrent loans | 261.1983% | 1,667 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 3,938 |
| Noncurrent loans to loans | 0.8160% | 3,934 |
| Net loans and leases to total assets | 70.9566% | 1,849 |
| Net loans and leases to deposits | 84.9357% | 1,817 |
| Net loans and leases to core deposits | 104.1705% | 897 |
| Total domestic deposits to total assets | 83.5416% | 4,345 |
| Equity capital to assets | 11.7378% | 2,000 |
| Core capital (leverage) ratio | 11.9391% | 1,650 |
| Tier 1 risk-based capital ratio | 15.2573% | 3,513 |
| Total risk-based capital ratio | 16.5168% | 3,453 |
| Memoranda: | ||
| Average total assets | $1,057,356,400 | 624 |
| Average earning assets | $950,973,600 | 625 |
| Average equity | $128,381,800 | 555 |
| Average total loans | $759,346,200 | 554 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5010% | 2,224 |
| Cost of funding earning assets | 0.7302% | 1,737 |
| Net interest margin | 3.7708% | 2,746 |
| Noninterest income to average assets | 0.2941% | 5,348 |
| Noninterest expense to average assets | 2.2825% | 5,397 |
| Loan and lease loss provision to assets | 0.1761% | 2,066 |
| Net operating income to assets | 0.7935% | 3,386 |
| Return on assets (ROA) | 0.8674% | 3,117 |
| Pretax return on assets | 1.3562% | 2,088 |
| Return on Equity (ROE) | 7.0807% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.0474% | 2,378 |
| Net charge-offs to loans | 0.0963% | 3,599 |
| Credit loss provision to net charge-offs | 255.2876% | 971 |
| Earnings coverage of net charge-offs (x) | 20.5380% | 1,585 |
| Efficiency ratio | 61.0732% | 5,271 |
| Assets per employee ($millions) | 8.4925% | 383 |
| Cash dividends to net income (ytd only)* | 14.5934% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1439% | 1,422 |
| Loan loss allowance to noncurrent loans | 198.5872% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 1.0472% | 3,556 |
| Noncurrent loans to loans | 1.0796% | 3,642 |
| Net loans and leases to total assets | 70.2349% | 1,923 |
| Net loans and leases to deposits | 85.8177% | 1,636 |
| Net loans and leases to core deposits | 109.4032% | 600 |
| Total domestic deposits to total assets | 81.8419% | 4,981 |
| Equity capital to assets | 11.8619% | 2,005 |
| Core capital (leverage) ratio | 11.8776% | 1,751 |
| Tier 1 risk-based capital ratio | 15.6913% | 3,357 |
| Total risk-based capital ratio | 16.9510% | 3,306 |
| Memoranda: | ||
| Average total assets | $1,041,699,500 | 635 |
| Average earning assets | $940,709,000 | 633 |
| Average equity | $127,611,750 | 563 |
| Average total loans | $746,180,250 | 565 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5231% | 2,105 |
| Cost of funding earning assets | 0.7593% | 1,650 |
| Net interest margin | 3.7638% | 2,700 |
| Noninterest income to average assets | 0.3045% | 5,277 |
| Noninterest expense to average assets | 2.2852% | 5,407 |
| Loan and lease loss provision to assets | 0.1940% | 1,956 |
| Net operating income to assets | 0.7752% | 3,433 |
| Return on assets (ROA) | 0.8880% | 3,013 |
| Pretax return on assets | 1.3900% | 1,973 |
| Return on Equity (ROE) | 7.1685% | 3,504 |
| Retained earnings to average equity (ytd only) | 6.1320% | 2,353 |
| Net charge-offs to loans | 0.0988% | 3,375 |
| Credit loss provision to net charge-offs | 274.3802% | 923 |
| Earnings coverage of net charge-offs (x) | 19.9063% | 1,488 |
| Efficiency ratio | 61.2207% | 5,293 |
| Assets per employee ($millions) | 8.9732% | 310 |
| Cash dividends to net income (ytd only)* | 14.4581% | 3,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2082% | 1,406 |
| Loan loss allowance to noncurrent loans | 240.5795% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 4,026 |
| Noncurrent loans to loans | 0.9179% | 4,092 |
| Net loans and leases to total assets | 66.8405% | 2,442 |
| Net loans and leases to deposits | 81.5791% | 2,104 |
| Net loans and leases to core deposits | 102.5992% | 908 |
| Total domestic deposits to total assets | 81.9333% | 5,080 |
| Equity capital to assets | 11.6146% | 2,203 |
| Core capital (leverage) ratio | 11.7929% | 1,730 |
| Tier 1 risk-based capital ratio | 15.7543% | 3,334 |
| Total risk-based capital ratio | 17.0142% | 3,278 |
| Memoranda: | ||
| Average total assets | $1,026,586,670 | 644 |
| Average earning assets | $924,224,330 | 648 |
| Average equity | $127,168,000 | 567 |
| Average total loans | $734,838,000 | 567 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4864% | 2,215 |
| Cost of funding earning assets | 0.7697% | 1,708 |
| Net interest margin | 3.7167% | 2,788 |
| Noninterest income to average assets | 0.3337% | 5,030 |
| Noninterest expense to average assets | 2.4326% | 5,008 |
| Loan and lease loss provision to assets | 0.1100% | 2,860 |
| Net operating income to assets | 0.7320% | 3,526 |
| Return on assets (ROA) | 0.9241% | 2,691 |
| Pretax return on assets | 1.4444% | 1,725 |
| Return on Equity (ROE) | 7.2120% | 3,373 |
| Retained earnings to average equity (ytd only) | 6.1772% | 2,586 |
| Net charge-offs to loans | 0.0082% | 3,985 |
| Credit loss provision to net charge-offs | 1,820.0000% | 180 |
| Earnings coverage of net charge-offs (x) | 207.4667% | 194 |
| Efficiency ratio | 65.2820% | 4,781 |
| Assets per employee ($millions) | 8.5266% | 394 |
| Cash dividends to net income (ytd only)* | 14.3480% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2289% | 1,529 |
| Loan loss allowance to noncurrent loans | 247.3273% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.9929% | 3,940 |
| Noncurrent loans to loans | 0.9012% | 4,331 |
| Net loans and leases to total assets | 68.0939% | 1,989 |
| Net loans and leases to deposits | 83.6839% | 1,634 |
| Net loans and leases to core deposits | 109.6919% | 504 |
| Total domestic deposits to total assets | 81.3704% | 5,398 |
| Equity capital to assets | 12.2707% | 1,853 |
| Core capital (leverage) ratio | 12.6675% | 1,265 |
| Tier 1 risk-based capital ratio | 16.1538% | 3,180 |
| Total risk-based capital ratio | 17.4141% | 3,127 |
| Memoranda: | ||
| Average total assets | $992,512,500 | 670 |
| Average earning assets | $895,414,500 | 671 |
| Average equity | $127,177,500 | 573 |
| Average total loans | $728,132,500 | 579 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2963% | 932 |
| Cost of funding earning assets | 0.9157% | 1,842 |
| Net interest margin | 4.3806% | 1,201 |
| Noninterest income to average assets | 0.3877% | 4,703 |
| Noninterest expense to average assets | 2.5454% | 4,945 |
| Loan and lease loss provision to assets | 0.4813% | 1,274 |
| Net operating income to assets | 0.7891% | 3,330 |
| Return on assets (ROA) | 0.9984% | 2,566 |
| Pretax return on assets | 1.5993% | 1,391 |
| Return on Equity (ROE) | 7.4210% | 3,391 |
| Retained earnings to average equity (ytd only) | 6.8825% | 1,626 |
| Net charge-offs to loans | 0.4335% | 2,502 |
| Credit loss provision to net charge-offs | 151.4355% | 1,798 |
| Earnings coverage of net charge-offs (x) | 5.5175% | 3,014 |
| Efficiency ratio | 58.4580% | 5,768 |
| Assets per employee ($millions) | 7.8081% | 547 |
| Cash dividends to net income (ytd only)* | 7.2561% | 4,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1714% | 1,600 |
| Loan loss allowance to noncurrent loans | 256.6214% | 1,495 |
| Noncurrent assets plus other real estate owned to assets | 1.0001% | 4,035 |
| Noncurrent loans to loans | 0.8462% | 4,497 |
| Net loans and leases to total assets | 75.7725% | 951 |
| Net loans and leases to deposits | 95.9224% | 618 |
| Net loans and leases to core deposits | 118.0809% | 316 |
| Total domestic deposits to total assets | 78.9936% | 5,893 |
| Equity capital to assets | 13.4115% | 1,262 |
| Core capital (leverage) ratio | 12.8432% | 1,178 |
| Tier 1 risk-based capital ratio | 16.1564% | 3,076 |
| Total risk-based capital ratio | 17.4168% | 3,021 |
| Memoranda: | ||
| Average total assets | $909,649,200 | 725 |
| Average earning assets | $812,173,200 | 732 |
| Average equity | $122,382,800 | 587 |
| Average total loans | $666,831,000 | 618 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1229% | 1,373 |
| Cost of funding earning assets | 0.9285% | 1,988 |
| Net interest margin | 4.1944% | 1,755 |
| Noninterest income to average assets | 0.4240% | 4,450 |
| Noninterest expense to average assets | 2.5669% | 4,856 |
| Loan and lease loss provision to assets | 0.3768% | 1,713 |
| Net operating income to assets | 0.7642% | 3,628 |
| Return on assets (ROA) | 1.0239% | 2,619 |
| Pretax return on assets | 1.6111% | 1,541 |
| Return on Equity (ROE) | 7.6040% | 3,471 |
| Retained earnings to average equity (ytd only) | 7.2424% | 1,985 |
| Net charge-offs to loans | 0.1260% | 4,116 |
| Credit loss provision to net charge-offs | 413.9837% | 649 |
| Earnings coverage of net charge-offs (x) | 17.3837% | 1,628 |
| Efficiency ratio | 61.0487% | 5,304 |
| Assets per employee ($millions) | 7.9179% | 499 |
| Cash dividends to net income (ytd only)* | 4.7558% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3618% | 1,414 |
| Loan loss allowance to noncurrent loans | 266.5470% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 1.3871% | 3,525 |
| Noncurrent loans to loans | 0.8861% | 4,660 |
| Net loans and leases to total assets | 71.6658% | 1,610 |
| Net loans and leases to deposits | 90.3140% | 1,110 |
| Net loans and leases to core deposits | 116.0291% | 384 |
| Total domestic deposits to total assets | 79.3518% | 5,795 |
| Equity capital to assets | 13.2867% | 1,450 |
| Core capital (leverage) ratio | 13.1265% | 1,141 |
| Tier 1 risk-based capital ratio | 16.5122% | 2,993 |
| Total risk-based capital ratio | 17.7742% | 2,955 |
| Memoranda: | ||
| Average total assets | $900,867,000 | 734 |
| Average earning assets | $800,102,750 | 749 |
| Average equity | $121,301,250 | 592 |
| Average total loans | $650,595,750 | 640 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0652% | 1,610 |
| Cost of funding earning assets | 0.9521% | 2,049 |
| Net interest margin | 4.1131% | 2,036 |
| Noninterest income to average assets | 0.4755% | 4,092 |
| Noninterest expense to average assets | 2.5835% | 4,837 |
| Loan and lease loss provision to assets | 0.4279% | 1,526 |
| Net operating income to assets | 0.7094% | 3,822 |
| Return on assets (ROA) | 1.0125% | 2,630 |
| Pretax return on assets | 1.5911% | 1,574 |
| Return on Equity (ROE) | 7.4847% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.9364% | 2,138 |
| Net charge-offs to loans | 0.0314% | 4,940 |
| Credit loss provision to net charge-offs | 1,898.0000% | 163 |
| Earnings coverage of net charge-offs (x) | 68.5400% | 573 |
| Efficiency ratio | 61.6720% | 5,299 |
| Assets per employee ($millions) | 8.1653% | 435 |
| Cash dividends to net income (ytd only)* | 7.3258% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3946% | 1,424 |
| Loan loss allowance to noncurrent loans | 240.1571% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 1.4507% | 3,536 |
| Noncurrent loans to loans | 0.9971% | 4,508 |
| Net loans and leases to total assets | 72.8579% | 1,412 |
| Net loans and leases to deposits | 91.3054% | 1,021 |
| Net loans and leases to core deposits | 117.3484% | 360 |
| Total domestic deposits to total assets | 79.7958% | 5,795 |
| Equity capital to assets | 13.4803% | 1,311 |
| Core capital (leverage) ratio | 13.2944% | 1,055 |
| Tier 1 risk-based capital ratio | 16.3575% | 2,979 |
| Total risk-based capital ratio | 17.6197% | 2,945 |
| Memoranda: | ||
| Average total assets | $887,079,670 | 747 |
| Average earning assets | $787,928,000 | 762 |
| Average equity | $120,004,670 | 596 |
| Average total loans | $636,931,000 | 653 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1133% | 1,540 |
| Cost of funding earning assets | 0.9763% | 2,127 |
| Net interest margin | 4.1370% | 1,974 |
| Noninterest income to average assets | 0.4828% | 4,038 |
| Noninterest expense to average assets | 2.6554% | 4,599 |
| Loan and lease loss provision to assets | 0.4363% | 1,432 |
| Net operating income to assets | 0.6419% | 4,158 |
| Return on assets (ROA) | 1.0221% | 2,582 |
| Pretax return on assets | 1.6224% | 1,497 |
| Return on Equity (ROE) | 7.5414% | 3,477 |
| Retained earnings to average equity (ytd only) | 7.5414% | 2,157 |
| Net charge-offs to loans | 0.1744% | 3,049 |
| Credit loss provision to net charge-offs | 355.7621% | 864 |
| Earnings coverage of net charge-offs (x) | 11.9442% | 1,633 |
| Efficiency ratio | 63.3990% | 5,034 |
| Assets per employee ($millions) | 8.2563% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3816% | 1,538 |
| Loan loss allowance to noncurrent loans | 153.4418% | 2,132 |
| Noncurrent assets plus other real estate owned to assets | 1.6929% | 3,319 |
| Noncurrent loans to loans | 1.5521% | 3,784 |
| Net loans and leases to total assets | 68.7349% | 1,983 |
| Net loans and leases to deposits | 86.8304% | 1,314 |
| Net loans and leases to core deposits | 109.7959% | 543 |
| Total domestic deposits to total assets | 79.1599% | 6,039 |
| Equity capital to assets | 13.3106% | 1,316 |
| Core capital (leverage) ratio | 13.3177% | 1,013 |
| Tier 1 risk-based capital ratio | 16.9600% | 2,698 |
| Total risk-based capital ratio | 18.2219% | 2,650 |
| Memoranda: | ||
| Average total assets | $877,443,500 | 756 |
| Average earning assets | $771,480,000 | 781 |
| Average equity | $118,917,500 | 602 |
| Average total loans | $617,121,500 | 677 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3892% | 1,442 |
| Cost of funding earning assets | 1.1365% | 2,434 |
| Net interest margin | 4.2527% | 1,869 |
| Noninterest income to average assets | 2.7153% | 235 |
| Noninterest expense to average assets | 3.0041% | 3,578 |
| Loan and lease loss provision to assets | 1.5554% | 467 |
| Net operating income to assets | 1.4102% | 1,012 |
| Return on assets (ROA) | 1.4642% | 974 |
| Pretax return on assets | 2.0206% | 509 |
| Return on Equity (ROE) | 10.5927% | 1,844 |
| Retained earnings to average equity (ytd only) | 10.5927% | 461 |
| Net charge-offs to loans | 1.5601% | 1,017 |
| Credit loss provision to net charge-offs | 145.8839% | 1,966 |
| Earnings coverage of net charge-offs (x) | 3.2837% | 3,572 |
| Efficiency ratio | 45.7982% | 7,056 |
| Assets per employee ($millions) | 7.6335% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3982% | 1,463 |
| Loan loss allowance to noncurrent loans | 138.7706% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.9106% | 3,095 |
| Noncurrent loans to loans | 1.7282% | 3,574 |
| Net loans and leases to total assets | 68.5629% | 2,300 |
| Net loans and leases to deposits | 86.9565% | 1,536 |
| Net loans and leases to core deposits | 114.6166% | 479 |
| Total domestic deposits to total assets | 78.8474% | 6,026 |
| Equity capital to assets | 13.8076% | 1,136 |
| Core capital (leverage) ratio | 13.4402% | 988 |
| Tier 1 risk-based capital ratio | 17.4034% | 2,417 |
| Total risk-based capital ratio | 18.6652% | 2,380 |
| Memoranda: | ||
| Average total assets | $788,430,200 | 833 |
| Average earning assets | $702,615,200 | 856 |
| Average equity | $108,980,400 | 635 |
| Average total loans | $538,823,400 | 780 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2547% | 2,008 |
| Cost of funding earning assets | 1.1649% | 2,536 |
| Net interest margin | 4.0898% | 2,514 |
| Noninterest income to average assets | 2.9599% | 222 |
| Noninterest expense to average assets | 2.9767% | 3,650 |
| Loan and lease loss provision to assets | 1.3843% | 531 |
| Net operating income to assets | 1.4580% | 1,031 |
| Return on assets (ROA) | 1.5105% | 995 |
| Pretax return on assets | 2.3461% | 337 |
| Return on Equity (ROE) | 10.9249% | 1,890 |
| Retained earnings to average equity (ytd only) | 10.9249% | 645 |
| Net charge-offs to loans | 1.6811% | 825 |
| Credit loss provision to net charge-offs | 121.4275% | 2,670 |
| Earnings coverage of net charge-offs (x) | 3.2003% | 3,542 |
| Efficiency ratio | 44.6206% | 7,124 |
| Assets per employee ($millions) | 7.3731% | 609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0476% | 2,214 |
| Loan loss allowance to noncurrent loans | 102.7580% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 2.1605% | 2,955 |
| Noncurrent loans to loans | 1.9927% | 3,378 |
| Net loans and leases to total assets | 67.4759% | 2,576 |
| Net loans and leases to deposits | 85.5155% | 1,751 |
| Net loans and leases to core deposits | 115.0464% | 526 |
| Total domestic deposits to total assets | 78.9048% | 6,009 |
| Equity capital to assets | 13.5621% | 1,346 |
| Core capital (leverage) ratio | 13.2045% | 1,149 |
| Tier 1 risk-based capital ratio | 17.4845% | 2,449 |
| Total risk-based capital ratio | 18.7422% | 2,414 |
| Memoranda: | ||
| Average total assets | $771,799,750 | 859 |
| Average earning assets | $691,654,500 | 872 |
| Average equity | $106,713,500 | 652 |
| Average total loans | $523,383,500 | 809 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1601% | 2,417 |
| Cost of funding earning assets | 1.1581% | 2,853 |
| Net interest margin | 4.0021% | 2,824 |
| Noninterest income to average assets | 4.3715% | 158 |
| Noninterest expense to average assets | 3.0993% | 3,259 |
| Loan and lease loss provision to assets | 1.9804% | 313 |
| Net operating income to assets | 1.8632% | 435 |
| Return on assets (ROA) | 1.9249% | 410 |
| Pretax return on assets | 2.9857% | 143 |
| Return on Equity (ROE) | 13.8216% | 1,011 |
| Retained earnings to average equity (ytd only) | 13.8216% | 328 |
| Net charge-offs to loans | 2.6644% | 417 |
| Credit loss provision to net charge-offs | 110.2641% | 2,783 |
| Earnings coverage of net charge-offs (x) | 2.7113% | 3,487 |
| Efficiency ratio | 38.6369% | 7,355 |
| Assets per employee ($millions) | 8.9296% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9521% | 2,502 |
| Loan loss allowance to noncurrent loans | 82.4938% | 3,424 |
| Noncurrent assets plus other real estate owned to assets | 2.6002% | 2,558 |
| Noncurrent loans to loans | 2.3664% | 3,025 |
| Net loans and leases to total assets | 67.2216% | 2,787 |
| Net loans and leases to deposits | 84.2054% | 2,078 |
| Net loans and leases to core deposits | 112.8792% | 622 |
| Total domestic deposits to total assets | 79.8304% | 5,877 |
| Equity capital to assets | 13.3269% | 1,369 |
| Core capital (leverage) ratio | 14.2050% | 824 |
| Tier 1 risk-based capital ratio | 17.2411% | 2,431 |
| Total risk-based capital ratio | 18.4975% | 2,403 |
| Memoranda: | ||
| Average total assets | $746,430,000 | 896 |
| Average earning assets | $670,953,670 | 903 |
| Average equity | $103,953,330 | 665 |
| Average total loans | $503,146,670 | 858 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 2,953 |
| Cost of funding earning assets | 1.2096% | 2,753 |
| Net interest margin | 3.8209% | 3,507 |
| Noninterest income to average assets | 0.5715% | 3,360 |
| Noninterest expense to average assets | 2.5116% | 5,516 |
| Loan and lease loss provision to assets | 0.4063% | 2,157 |
| Net operating income to assets | 0.7031% | 3,507 |
| Return on assets (ROA) | 0.8275% | 2,955 |
| Pretax return on assets | 1.2938% | 2,058 |
| Return on Equity (ROE) | 5.7921% | 4,021 |
| Retained earnings to average equity (ytd only) | 5.7921% | 2,758 |
| Net charge-offs to loans | 0.3846% | 2,536 |
| Credit loss provision to net charge-offs | 158.3519% | 1,815 |
| Earnings coverage of net charge-offs (x) | 5.8686% | 2,196 |
| Efficiency ratio | 62.1053% | 5,664 |
| Assets per employee ($millions) | 8.2809% | 429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1081% | 2,172 |
| Loan loss allowance to noncurrent loans | 127.8297% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 1.9165% | 3,420 |
| Noncurrent loans to loans | 1.6491% | 4,009 |
| Net loans and leases to total assets | 65.8774% | 3,045 |
| Net loans and leases to deposits | 84.9054% | 1,899 |
| Net loans and leases to core deposits | 116.7268% | 509 |
| Total domestic deposits to total assets | 77.5892% | 6,433 |
| Equity capital to assets | 13.6779% | 1,116 |
| Core capital (leverage) ratio | 15.7009% | 550 |
| Tier 1 risk-based capital ratio | 18.8812% | 1,834 |
| Total risk-based capital ratio | 20.1399% | 1,796 |
| Memoranda: | ||
| Average total assets | $699,953,000 | 956 |
| Average earning assets | $631,268,000 | 959 |
| Average equity | $99,998,000 | 681 |
| Average total loans | $466,979,500 | 935 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8139% | 1,246 |
| Cost of funding earning assets | 1.5342% | 2,448 |
| Net interest margin | 4.2798% | 1,889 |
| Noninterest income to average assets | 0.4718% | 4,373 |
| Noninterest expense to average assets | 2.7336% | 4,833 |
| Loan and lease loss provision to assets | 0.8437% | 1,942 |
| Net operating income to assets | 0.4609% | 4,267 |
| Return on assets (ROA) | 0.5966% | 3,847 |
| Pretax return on assets | 0.9267% | 3,167 |
| Return on Equity (ROE) | 3.9763% | 4,538 |
| Retained earnings to average equity (ytd only) | 3.9763% | 3,083 |
| Net charge-offs to loans | 0.6410% | 3,096 |
| Credit loss provision to net charge-offs | 202.9352% | 1,534 |
| Earnings coverage of net charge-offs (x) | 3.7485% | 3,212 |
| Efficiency ratio | 63.2365% | 5,475 |
| Assets per employee ($millions) | 9.2473% | 305 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5034% | 1,406 |
| Loan loss allowance to noncurrent loans | 187.0190% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 1.7436% | 3,687 |
| Noncurrent loans to loans | 1.3386% | 4,482 |
| Net loans and leases to total assets | 64.3702% | 3,792 |
| Net loans and leases to deposits | 86.8820% | 1,959 |
| Net loans and leases to core deposits | 124.7264% | 412 |
| Total domestic deposits to total assets | 74.0893% | 6,886 |
| Equity capital to assets | 15.0129% | 786 |
| Core capital (leverage) ratio | 15.4505% | 593 |
| Tier 1 risk-based capital ratio | 20.8390% | 1,342 |
| Total risk-based capital ratio | 22.1023% | 1,319 |
| Memoranda: | ||
| Average total assets | $590,026,600 | 1,136 |
| Average earning assets | $526,664,400 | 1,168 |
| Average equity | $88,524,800 | 758 |
| Average total loans | $382,684,400 | 1,187 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9170% | 1,096 |
| Cost of funding earning assets | 1.6046% | 2,364 |
| Net interest margin | 4.3124% | 1,809 |
| Noninterest income to average assets | 0.5721% | 3,635 |
| Noninterest expense to average assets | 2.7779% | 4,574 |
| Loan and lease loss provision to assets | 0.7185% | 2,126 |
| Net operating income to assets | 0.5815% | 3,951 |
| Return on assets (ROA) | 0.5984% | 4,038 |
| Pretax return on assets | 0.9319% | 3,443 |
| Return on Equity (ROE) | 3.9888% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.9888% | 3,670 |
| Net charge-offs to loans | 0.5633% | 3,065 |
| Credit loss provision to net charge-offs | 197.6523% | 1,809 |
| Earnings coverage of net charge-offs (x) | 4.4676% | 3,036 |
| Efficiency ratio | 62.6493% | 5,497 |
| Assets per employee ($millions) | 8.6509% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3886% | 1,488 |
| Loan loss allowance to noncurrent loans | 111.7736% | 2,510 |
| Noncurrent assets plus other real estate owned to assets | 2.3737% | 3,003 |
| Noncurrent loans to loans | 2.1370% | 3,531 |
| Net loans and leases to total assets | 65.4495% | 3,811 |
| Net loans and leases to deposits | 87.6874% | 2,049 |
| Net loans and leases to core deposits | 129.0934% | 394 |
| Total domestic deposits to total assets | 74.6396% | 6,835 |
| Equity capital to assets | 15.9728% | 680 |
| Core capital (leverage) ratio | 16.0513% | 556 |
| Tier 1 risk-based capital ratio | 21.5345% | 1,279 |
| Total risk-based capital ratio | 22.7961% | 1,254 |
| Memoranda: | ||
| Average total assets | $578,017,000 | 1,174 |
| Average earning assets | $513,358,250 | 1,205 |
| Average equity | $86,708,000 | 769 |
| Average total loans | $373,038,000 | 1,222 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8014% | 1,424 |
| Cost of funding earning assets | 1.6583% | 2,336 |
| Net interest margin | 4.1431% | 2,362 |
| Noninterest income to average assets | 0.3817% | 5,071 |
| Noninterest expense to average assets | 2.6978% | 4,919 |
| Loan and lease loss provision to assets | 0.4345% | 3,141 |
| Net operating income to assets | 0.5860% | 3,931 |
| Return on assets (ROA) | 0.5912% | 4,055 |
| Pretax return on assets | 0.9141% | 3,436 |
| Return on Equity (ROE) | 4.0320% | 4,763 |
| Retained earnings to average equity (ytd only) | 4.0320% | 3,517 |
| Net charge-offs to loans | 0.2797% | 3,939 |
| Credit loss provision to net charge-offs | 244.0079% | 1,580 |
| Earnings coverage of net charge-offs (x) | 7.5285% | 2,287 |
| Efficiency ratio | 66.2942% | 4,930 |
| Assets per employee ($millions) | 8.3367% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3743% | 1,469 |
| Loan loss allowance to noncurrent loans | 89.6834% | 3,028 |
| Noncurrent assets plus other real estate owned to assets | 2.5286% | 2,854 |
| Noncurrent loans to loans | 2.6474% | 2,991 |
| Net loans and leases to total assets | 62.5751% | 4,564 |
| Net loans and leases to deposits | 83.5795% | 2,954 |
| Net loans and leases to core deposits | 131.7643% | 393 |
| Total domestic deposits to total assets | 74.8690% | 6,870 |
| Equity capital to assets | 16.3458% | 620 |
| Core capital (leverage) ratio | 15.8986% | 580 |
| Tier 1 risk-based capital ratio | 22.6262% | 1,106 |
| Total risk-based capital ratio | 23.8870% | 1,086 |
| Memoranda: | ||
| Average total assets | $571,717,670 | 1,191 |
| Average earning assets | $504,603,000 | 1,238 |
| Average equity | $83,829,330 | 782 |
| Average total loans | $363,971,330 | 1,261 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8317% | 1,370 |
| Cost of funding earning assets | 1.6653% | 2,564 |
| Net interest margin | 4.1664% | 2,166 |
| Noninterest income to average assets | 0.1425% | 6,957 |
| Noninterest expense to average assets | 2.8900% | 4,102 |
| Loan and lease loss provision to assets | 0.1635% | 4,892 |
| Net operating income to assets | 0.5820% | 3,980 |
| Return on assets (ROA) | 0.5825% | 4,122 |
| Pretax return on assets | 0.7699% | 3,991 |
| Return on Equity (ROE) | 4.2169% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.2169% | 3,619 |
| Net charge-offs to loans | -0.0465% | 7,326 |
| Credit loss provision to net charge-offs | -554.7619% | 6,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0321% | 3,398 |
| Assets per employee ($millions) | 9.0573% | 352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2998% | 1,578 |
| Loan loss allowance to noncurrent loans | 75.5969% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 2.5457% | 2,854 |
| Noncurrent loans to loans | 3.0422% | 2,635 |
| Net loans and leases to total assets | 59.8634% | 5,141 |
| Net loans and leases to deposits | 78.7439% | 3,893 |
| Net loans and leases to core deposits | 121.8810% | 713 |
| Total domestic deposits to total assets | 76.0229% | 6,754 |
| Equity capital to assets | 15.7850% | 703 |
| Core capital (leverage) ratio | 16.5781% | 493 |
| Tier 1 risk-based capital ratio | 23.3117% | 1,031 |
| Total risk-based capital ratio | 24.5722% | 1,012 |
| Memoranda: | ||
| Average total assets | $569,961,500 | 1,223 |
| Average earning assets | $503,455,000 | 1,269 |
| Average equity | $78,731,000 | 839 |
| Average total loans | $361,604,500 | 1,306 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4494% | 4,442 |
| Cost of funding earning assets | 1.9592% | 3,161 |
| Net interest margin | 3.4902% | 5,003 |
| Noninterest income to average assets | 3.6596% | 187 |
| Noninterest expense to average assets | 3.3896% | 2,717 |
| Loan and lease loss provision to assets | 2.8891% | 626 |
| Net operating income to assets | 1.5778% | 571 |
| Return on assets (ROA) | 1.6973% | 470 |
| Pretax return on assets | 0.6808% | 3,641 |
| Return on Equity (ROE) | 14.0744% | 769 |
| Retained earnings to average equity (ytd only) | 14.0744% | 118 |
| Net charge-offs to loans | 2.2336% | 1,060 |
| Credit loss provision to net charge-offs | 176.7771% | 2,367 |
| Earnings coverage of net charge-offs (x) | 2.1112% | 4,149 |
| Efficiency ratio | 49.4647% | 7,564 |
| Assets per employee ($millions) | 6.5619% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 1,627 |
| Loan loss allowance to noncurrent loans | 71.3549% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 2.7814% | 2,512 |
| Noncurrent loans to loans | 3.1011% | 2,462 |
| Net loans and leases to total assets | 64.3074% | 4,534 |
| Net loans and leases to deposits | 82.8865% | 3,474 |
| Net loans and leases to core deposits | 135.8754% | 955 |
| Total domestic deposits to total assets | 77.5848% | 6,326 |
| Equity capital to assets | 11.7076% | 2,184 |
| Core capital (leverage) ratio | 11.6716% | 1,832 |
| Tier 1 risk-based capital ratio | 15.8956% | 2,567 |
| Total risk-based capital ratio | 17.1549% | 2,494 |
| Memoranda: | ||
| Average total assets | $419,196,200 | 1,648 |
| Average earning assets | $381,988,600 | 1,643 |
| Average equity | $50,552,600 | 1,324 |
| Average total loans | $306,722,400 | 1,563 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1261% | 6,183 |
| Cost of funding earning assets | 1.9870% | 3,434 |
| Net interest margin | 3.1391% | 6,207 |
| Noninterest income to average assets | 1.9026% | 410 |
| Noninterest expense to average assets | 2.8002% | 4,901 |
| Loan and lease loss provision to assets | 1.6333% | 1,148 |
| Net operating income to assets | 0.2512% | 4,986 |
| Return on assets (ROA) | 0.3394% | 4,738 |
| Pretax return on assets | 0.5158% | 4,470 |
| Return on Equity (ROE) | 2.7852% | 4,884 |
| Retained earnings to average equity (ytd only) | 2.7852% | 3,777 |
| Net charge-offs to loans | 1.3643% | 1,506 |
| Credit loss provision to net charge-offs | 157.9105% | 3,014 |
| Earnings coverage of net charge-offs (x) | 1.9486% | 4,352 |
| Efficiency ratio | 58.1475% | 6,700 |
| Assets per employee ($millions) | 10.1196% | 256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4185% | 3,847 |
| Loan loss allowance to noncurrent loans | 79.4206% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.4584% | 4,194 |
| Noncurrent loans to loans | 1.7860% | 3,931 |
| Net loans and leases to total assets | 67.1243% | 4,158 |
| Net loans and leases to deposits | 86.4689% | 3,234 |
| Net loans and leases to core deposits | 141.9715% | 836 |
| Total domestic deposits to total assets | 77.6282% | 6,185 |
| Equity capital to assets | 12.6571% | 1,854 |
| Core capital (leverage) ratio | 13.5468% | 1,222 |
| Tier 1 risk-based capital ratio | 16.6413% | 2,377 |
| Total risk-based capital ratio | 17.8916% | 2,325 |
| Memoranda: | ||
| Average total assets | $386,195,750 | 1,785 |
| Average earning assets | $358,394,250 | 1,761 |
| Average equity | $47,057,750 | 1,456 |
| Average total loans | $292,782,500 | 1,660 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1383% | 6,289 |
| Cost of funding earning assets | 1.9945% | 3,808 |
| Net interest margin | 3.1438% | 6,112 |
| Noninterest income to average assets | 0.3058% | 6,070 |
| Noninterest expense to average assets | 2.6023% | 5,733 |
| Loan and lease loss provision to assets | 0.5237% | 2,927 |
| Net operating income to assets | 0.0869% | 5,600 |
| Return on assets (ROA) | 0.2040% | 5,327 |
| Pretax return on assets | 0.3147% | 5,180 |
| Return on Equity (ROE) | 1.7029% | 5,401 |
| Retained earnings to average equity (ytd only) | 1.7029% | 4,393 |
| Net charge-offs to loans | 0.4489% | 3,023 |
| Credit loss provision to net charge-offs | 147.4178% | 3,136 |
| Earnings coverage of net charge-offs (x) | 1.8529% | 4,181 |
| Efficiency ratio | 79.8124% | 3,070 |
| Assets per employee ($millions) | 8.3366% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0404% | 5,965 |
| Loan loss allowance to noncurrent loans | 120.2984% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0105% | 4,947 |
| Noncurrent loans to loans | 0.8648% | 5,486 |
| Net loans and leases to total assets | 77.6898% | 1,821 |
| Net loans and leases to deposits | 108.6794% | 619 |
| Net loans and leases to core deposits | 179.0673% | 228 |
| Total domestic deposits to total assets | 71.4852% | 7,309 |
| Equity capital to assets | 11.5275% | 2,524 |
| Core capital (leverage) ratio | 11.8030% | 1,917 |
| Tier 1 risk-based capital ratio | 13.7754% | 3,636 |
| Total risk-based capital ratio | 14.7548% | 3,746 |
| Memoranda: | ||
| Average total assets | $359,760,330 | 1,929 |
| Average earning assets | $338,128,000 | 1,877 |
| Average equity | $43,104,000 | 1,580 |
| Average total loans | $284,723,000 | 1,734 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2217% | 6,214 |
| Cost of funding earning assets | 2.0555% | 3,839 |
| Net interest margin | 3.1662% | 5,965 |
| Noninterest income to average assets | 0.2488% | 6,465 |
| Noninterest expense to average assets | 2.5802% | 5,530 |
| Loan and lease loss provision to assets | 0.4545% | 2,650 |
| Net operating income to assets | 0.1211% | 5,917 |
| Return on assets (ROA) | 0.2636% | 5,589 |
| Pretax return on assets | 0.4067% | 5,378 |
| Return on Equity (ROE) | 2.1565% | 5,721 |
| Retained earnings to average equity (ytd only) | 2.1565% | 4,671 |
| Net charge-offs to loans | 0.4260% | 2,396 |
| Credit loss provision to net charge-offs | 134.2282% | 3,015 |
| Earnings coverage of net charge-offs (x) | 1.8960% | 3,771 |
| Efficiency ratio | 80.0776% | 2,811 |
| Assets per employee ($millions) | 7.9949% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0074% | 6,126 |
| Loan loss allowance to noncurrent loans | 100.6327% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 1.0849% | 4,515 |
| Noncurrent loans to loans | 1.0010% | 4,993 |
| Net loans and leases to total assets | 78.2002% | 1,777 |
| Net loans and leases to deposits | 112.4887% | 499 |
| Net loans and leases to core deposits | 163.5143% | 443 |
| Total domestic deposits to total assets | 69.5183% | 7,470 |
| Equity capital to assets | 11.9877% | 2,268 |
| Core capital (leverage) ratio | 12.2277% | 1,800 |
| Tier 1 risk-based capital ratio | 14.2892% | 3,440 |
| Total risk-based capital ratio | 15.2449% | 3,512 |
| Memoranda: | ||
| Average total assets | $352,067,500 | 1,971 |
| Average earning assets | $330,619,000 | 1,915 |
| Average equity | $43,033,500 | 1,588 |
| Average total loans | $279,827,500 | 1,780 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9381% | 5,862 |
| Cost of funding earning assets | 2.3948% | 4,738 |
| Net interest margin | 3.5434% | 5,129 |
| Noninterest income to average assets | 0.4981% | 4,622 |
| Noninterest expense to average assets | 3.1243% | 3,602 |
| Loan and lease loss provision to assets | 0.6412% | 2,268 |
| Net operating income to assets | 0.0508% | 6,230 |
| Return on assets (ROA) | 0.1926% | 5,689 |
| Pretax return on assets | 0.2620% | 5,599 |
| Return on Equity (ROE) | 1.3707% | 5,806 |
| Retained earnings to average equity (ytd only) | 1.3707% | 4,395 |
| Net charge-offs to loans | 0.6571% | 1,890 |
| Credit loss provision to net charge-offs | 124.0391% | 4,322 |
| Earnings coverage of net charge-offs (x) | 1.3765% | 5,438 |
| Efficiency ratio | 81.4503% | 2,383 |
| Assets per employee ($millions) | 7.4862% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0024% | 6,031 |
| Loan loss allowance to noncurrent loans | 78.8857% | 4,165 |
| Noncurrent assets plus other real estate owned to assets | 1.2867% | 3,652 |
| Noncurrent loans to loans | 1.2706% | 3,969 |
| Net loans and leases to total assets | 79.1863% | 1,840 |
| Net loans and leases to deposits | 115.2341% | 560 |
| Net loans and leases to core deposits | 136.8589% | 1,444 |
| Total domestic deposits to total assets | 68.7178% | 7,404 |
| Equity capital to assets | 12.4690% | 2,032 |
| Core capital (leverage) ratio | 13.1772% | 1,485 |
| Tier 1 risk-based capital ratio | 14.2584% | 3,420 |
| Total risk-based capital ratio | 15.1863% | 3,495 |
| Memoranda: | ||
| Average total assets | $296,958,000 | 2,219 |
| Average earning assets | $279,734,800 | 2,174 |
| Average equity | $41,731,200 | 1,607 |
| Average total loans | $233,594,800 | 2,023 |