Home > The Bank of Kentucky, Inc. > Performance and Condition Ratios
The Bank of Kentucky, Inc., Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3651% | 5,296 |
| Cost of funding earning assets | 0.2540% | 4,976 |
| Net interest margin | 3.1111% | 4,913 |
| Noninterest income to average assets | 1.1221% | 896 |
| Noninterest expense to average assets | 2.6426% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9397% | 2,562 |
| Return on assets (ROA) | 0.9397% | 2,697 |
| Pretax return on assets | 1.3065% | 2,259 |
| Return on Equity (ROE) | 8.1412% | 2,890 |
| Retained earnings to average equity (ytd only) | 6.3320% | 2,321 |
| Net charge-offs to loans | 0.4478% | 555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.3994% | 2,500 |
| Efficiency ratio | 66.3670% | 4,086 |
| Assets per employee ($millions) | 6.1711% | 1,275 |
| Cash dividends to net income (ytd only)* | 22.2222% | 2,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 4,851 |
| Loan loss allowance to noncurrent loans | 161.1829% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.7877% | 3,141 |
| Noncurrent loans to loans | 0.6409% | 3,667 |
| Net loans and leases to total assets | 66.6183% | 2,670 |
| Net loans and leases to deposits | 79.0852% | 2,674 |
| Net loans and leases to core deposits | 81.9420% | 2,970 |
| Total domestic deposits to total assets | 84.2361% | 3,717 |
| Equity capital to assets | 11.7578% | 2,235 |
| Core capital (leverage) ratio | 10.4191% | 3,077 |
| Tier 1 risk-based capital ratio | 11.6529% | 5,467 |
| Total risk-based capital ratio | 12.9179% | 5,360 |
| Memoranda: | ||
| Average total assets | $1,915,413,000 | 396 |
| Average earning assets | $1,740,477,500 | 396 |
| Average equity | $221,097,500 | 388 |
| Average total loans | $1,270,299,500 | 396 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5724% | 5,159 |
| Cost of funding earning assets | 0.2475% | 5,355 |
| Net interest margin | 3.3249% | 4,487 |
| Noninterest income to average assets | 1.2248% | 801 |
| Noninterest expense to average assets | 2.6107% | 4,177 |
| Loan and lease loss provision to assets | 0.1179% | 2,208 |
| Net operating income to assets | 1.0746% | 2,073 |
| Return on assets (ROA) | 1.0862% | 2,081 |
| Pretax return on assets | 1.5267% | 1,448 |
| Return on Equity (ROE) | 9.6766% | 2,263 |
| Retained earnings to average equity (ytd only) | 7.5753% | 1,169 |
| Net charge-offs to loans | 0.3049% | 1,449 |
| Credit loss provision to net charge-offs | 56.8916% | 3,345 |
| Earnings coverage of net charge-offs (x) | 7.8549% | 2,965 |
| Efficiency ratio | 60.9712% | 5,076 |
| Assets per employee ($millions) | 5.7961% | 1,529 |
| Cash dividends to net income (ytd only)* | 21.7155% | 3,744 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 4,222 |
| Loan loss allowance to noncurrent loans | 149.1189% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.8542% | 3,070 |
| Noncurrent loans to loans | 0.7784% | 3,367 |
| Net loans and leases to total assets | 64.5828% | 3,128 |
| Net loans and leases to deposits | 76.9617% | 3,095 |
| Net loans and leases to core deposits | 79.8685% | 3,311 |
| Total domestic deposits to total assets | 83.9155% | 3,754 |
| Equity capital to assets | 11.3317% | 2,579 |
| Core capital (leverage) ratio | 10.3409% | 3,122 |
| Tier 1 risk-based capital ratio | 12.1279% | 5,281 |
| Total risk-based capital ratio | 13.8211% | 4,906 |
| Memoranda: | ||
| Average total assets | $1,865,415,000 | 392 |
| Average earning assets | $1,691,077,600 | 386 |
| Average equity | $209,390,800 | 388 |
| Average total loans | $1,268,106,600 | 372 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6020% | 5,136 |
| Cost of funding earning assets | 0.2452% | 5,453 |
| Net interest margin | 3.3568% | 4,403 |
| Noninterest income to average assets | 1.2418% | 788 |
| Noninterest expense to average assets | 2.5918% | 4,221 |
| Loan and lease loss provision to assets | 0.1586% | 1,572 |
| Net operating income to assets | 1.0877% | 2,081 |
| Return on assets (ROA) | 1.1033% | 2,079 |
| Pretax return on assets | 1.5525% | 1,476 |
| Return on Equity (ROE) | 9.8539% | 2,289 |
| Retained earnings to average equity (ytd only) | 7.9865% | 1,368 |
| Net charge-offs to loans | 0.2693% | 1,457 |
| Credit loss provision to net charge-offs | 85.7700% | 2,499 |
| Earnings coverage of net charge-offs (x) | 9.1337% | 2,708 |
| Efficiency ratio | 59.9198% | 5,190 |
| Assets per employee ($millions) | 5.2760% | 1,926 |
| Cash dividends to net income (ytd only)* | 18.9505% | 3,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2436% | 4,000 |
| Loan loss allowance to noncurrent loans | 145.3675% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 3,036 |
| Noncurrent loans to loans | 0.8555% | 3,425 |
| Net loans and leases to total assets | 69.3442% | 2,300 |
| Net loans and leases to deposits | 83.8383% | 2,177 |
| Net loans and leases to core deposits | 87.1056% | 2,529 |
| Total domestic deposits to total assets | 82.7118% | 4,232 |
| Equity capital to assets | 11.7178% | 2,295 |
| Core capital (leverage) ratio | 10.3775% | 3,185 |
| Tier 1 risk-based capital ratio | 11.9942% | 5,485 |
| Total risk-based capital ratio | 13.7841% | 5,085 |
| Memoranda: | ||
| Average total assets | $1,849,240,250 | 392 |
| Average earning assets | $1,674,253,250 | 387 |
| Average equity | $207,060,000 | 389 |
| Average total loans | $1,269,843,250 | 368 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5772% | 5,211 |
| Cost of funding earning assets | 0.2378% | 5,606 |
| Net interest margin | 3.3394% | 4,444 |
| Noninterest income to average assets | 1.2461% | 755 |
| Noninterest expense to average assets | 2.5692% | 4,350 |
| Loan and lease loss provision to assets | 0.2046% | 1,170 |
| Net operating income to assets | 1.0612% | 2,072 |
| Return on assets (ROA) | 1.0846% | 2,056 |
| Pretax return on assets | 1.5241% | 1,466 |
| Return on Equity (ROE) | 9.8360% | 2,229 |
| Retained earnings to average equity (ytd only) | 8.3710% | 1,184 |
| Net charge-offs to loans | 0.2958% | 1,357 |
| Credit loss provision to net charge-offs | 101.4957% | 1,958 |
| Earnings coverage of net charge-offs (x) | 8.4119% | 2,499 |
| Efficiency ratio | 59.6076% | 5,352 |
| Assets per employee ($millions) | 5.3821% | 1,801 |
| Cash dividends to net income (ytd only)* | 14.8943% | 3,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2795% | 3,967 |
| Loan loss allowance to noncurrent loans | 93.8304% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 1.2031% | 2,680 |
| Noncurrent loans to loans | 1.3636% | 2,534 |
| Net loans and leases to total assets | 67.8719% | 2,432 |
| Net loans and leases to deposits | 79.9936% | 2,515 |
| Net loans and leases to core deposits | 82.8623% | 2,871 |
| Total domestic deposits to total assets | 84.8466% | 3,585 |
| Equity capital to assets | 11.3331% | 2,572 |
| Core capital (leverage) ratio | 10.1106% | 3,458 |
| Tier 1 risk-based capital ratio | 11.8036% | 5,637 |
| Total risk-based capital ratio | 13.6283% | 5,236 |
| Memoranda: | ||
| Average total assets | $1,857,156,000 | 387 |
| Average earning assets | $1,678,926,000 | 382 |
| Average equity | $204,777,670 | 390 |
| Average total loans | $1,265,853,000 | 368 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5465% | 5,309 |
| Cost of funding earning assets | 0.2307% | 5,749 |
| Net interest margin | 3.3159% | 4,470 |
| Noninterest income to average assets | 1.2024% | 763 |
| Noninterest expense to average assets | 2.5639% | 4,401 |
| Loan and lease loss provision to assets | 0.1938% | 1,217 |
| Net operating income to assets | 1.0374% | 2,055 |
| Return on assets (ROA) | 1.0374% | 2,128 |
| Pretax return on assets | 1.4507% | 1,586 |
| Return on Equity (ROE) | 9.5410% | 2,232 |
| Retained earnings to average equity (ytd only) | 8.5507% | 1,403 |
| Net charge-offs to loans | 0.2720% | 1,257 |
| Credit loss provision to net charge-offs | 105.0175% | 1,592 |
| Earnings coverage of net charge-offs (x) | 8.9102% | 1,983 |
| Efficiency ratio | 60.2426% | 5,364 |
| Assets per employee ($millions) | 5.3864% | 1,819 |
| Cash dividends to net income (ytd only)* | 10.3799% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 4,179 |
| Loan loss allowance to noncurrent loans | 105.1856% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 1.1355% | 2,980 |
| Noncurrent loans to loans | 1.2257% | 2,999 |
| Net loans and leases to total assets | 67.3609% | 2,327 |
| Net loans and leases to deposits | 78.8955% | 2,435 |
| Net loans and leases to core deposits | 81.9633% | 2,740 |
| Total domestic deposits to total assets | 85.3799% | 3,684 |
| Equity capital to assets | 11.0216% | 2,696 |
| Core capital (leverage) ratio | 9.8237% | 3,828 |
| Tier 1 risk-based capital ratio | 11.5523% | 5,885 |
| Total risk-based capital ratio | 13.3828% | 5,483 |
| Memoranda: | ||
| Average total assets | $1,857,327,000 | 387 |
| Average earning assets | $1,683,781,500 | 385 |
| Average equity | $201,949,000 | 393 |
| Average total loans | $1,260,485,000 | 369 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6426% | 5,296 |
| Cost of funding earning assets | 0.2617% | 5,899 |
| Net interest margin | 3.3809% | 4,358 |
| Noninterest income to average assets | 1.3058% | 815 |
| Noninterest expense to average assets | 2.5369% | 4,654 |
| Loan and lease loss provision to assets | 0.2586% | 1,387 |
| Net operating income to assets | 1.1128% | 1,889 |
| Return on assets (ROA) | 1.1235% | 1,920 |
| Pretax return on assets | 1.5847% | 1,209 |
| Return on Equity (ROE) | 10.6456% | 1,880 |
| Retained earnings to average equity (ytd only) | 8.9776% | 770 |
| Net charge-offs to loans | 0.4090% | 1,645 |
| Credit loss provision to net charge-offs | 94.7199% | 2,638 |
| Earnings coverage of net charge-offs (x) | 6.6973% | 3,004 |
| Efficiency ratio | 57.3431% | 5,808 |
| Assets per employee ($millions) | 5.3808% | 1,764 |
| Cash dividends to net income (ytd only)* | 15.6686% | 3,866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3015% | 4,136 |
| Loan loss allowance to noncurrent loans | 105.6225% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 1.1174% | 3,168 |
| Noncurrent loans to loans | 1.2322% | 3,079 |
| Net loans and leases to total assets | 66.6116% | 2,591 |
| Net loans and leases to deposits | 77.7472% | 2,756 |
| Net loans and leases to core deposits | 80.8205% | 3,034 |
| Total domestic deposits to total assets | 85.6773% | 3,414 |
| Equity capital to assets | 10.7245% | 2,906 |
| Core capital (leverage) ratio | 9.6554% | 4,051 |
| Tier 1 risk-based capital ratio | 11.2795% | 6,037 |
| Total risk-based capital ratio | 13.3719% | 5,480 |
| Memoranda: | ||
| Average total assets | $1,817,791,000 | 381 |
| Average earning assets | $1,644,807,800 | 381 |
| Average equity | $191,844,800 | 401 |
| Average total loans | $1,213,071,600 | 368 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6552% | 5,291 |
| Cost of funding earning assets | 0.2700% | 5,964 |
| Net interest margin | 3.3852% | 4,335 |
| Noninterest income to average assets | 1.2892% | 889 |
| Noninterest expense to average assets | 2.5552% | 4,530 |
| Loan and lease loss provision to assets | 0.3097% | 1,092 |
| Net operating income to assets | 1.0546% | 2,172 |
| Return on assets (ROA) | 1.0690% | 2,207 |
| Pretax return on assets | 1.5026% | 1,600 |
| Return on Equity (ROE) | 10.1712% | 2,113 |
| Retained earnings to average equity (ytd only) | 7.9261% | 1,439 |
| Net charge-offs to loans | 0.4584% | 1,397 |
| Credit loss provision to net charge-offs | 101.5474% | 2,306 |
| Earnings coverage of net charge-offs (x) | 5.8762% | 3,086 |
| Efficiency ratio | 57.9839% | 5,688 |
| Assets per employee ($millions) | 5.1316% | 2,020 |
| Cash dividends to net income (ytd only)* | 22.0735% | 3,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 3,979 |
| Loan loss allowance to noncurrent loans | 101.3899% | 3,449 |
| Noncurrent assets plus other real estate owned to assets | 1.2517% | 3,135 |
| Noncurrent loans to loans | 1.3629% | 3,134 |
| Net loans and leases to total assets | 65.9002% | 2,661 |
| Net loans and leases to deposits | 77.5074% | 2,738 |
| Net loans and leases to core deposits | 80.6964% | 3,047 |
| Total domestic deposits to total assets | 85.0244% | 3,738 |
| Equity capital to assets | 10.7763% | 2,977 |
| Core capital (leverage) ratio | 9.6877% | 4,120 |
| Tier 1 risk-based capital ratio | 11.2795% | 6,161 |
| Total risk-based capital ratio | 13.4693% | 5,560 |
| Memoranda: | ||
| Average total assets | $1,808,148,250 | 382 |
| Average earning assets | $1,633,431,750 | 385 |
| Average equity | $190,034,750 | 402 |
| Average total loans | $1,203,124,750 | 373 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6319% | 5,346 |
| Cost of funding earning assets | 0.2803% | 5,983 |
| Net interest margin | 3.3515% | 4,373 |
| Noninterest income to average assets | 1.2624% | 969 |
| Noninterest expense to average assets | 2.5480% | 4,572 |
| Loan and lease loss provision to assets | 0.3977% | 783 |
| Net operating income to assets | 0.9646% | 2,490 |
| Return on assets (ROA) | 0.9860% | 2,532 |
| Pretax return on assets | 1.3793% | 2,006 |
| Return on Equity (ROE) | 9.4616% | 2,432 |
| Retained earnings to average equity (ytd only) | 6.0696% | 2,392 |
| Net charge-offs to loans | 0.5849% | 1,133 |
| Credit loss provision to net charge-offs | 102.3309% | 2,165 |
| Earnings coverage of net charge-offs (x) | 4.4946% | 3,115 |
| Efficiency ratio | 58.5153% | 5,666 |
| Assets per employee ($millions) | 4.9050% | 2,220 |
| Cash dividends to net income (ytd only)* | 35.8503% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3929% | 4,068 |
| Loan loss allowance to noncurrent loans | 87.8860% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 1.3678% | 3,050 |
| Noncurrent loans to loans | 1.5849% | 2,932 |
| Net loans and leases to total assets | 66.7521% | 2,460 |
| Net loans and leases to deposits | 78.1586% | 2,550 |
| Net loans and leases to core deposits | 81.7623% | 2,827 |
| Total domestic deposits to total assets | 85.4060% | 3,690 |
| Equity capital to assets | 10.6743% | 3,095 |
| Core capital (leverage) ratio | 9.2478% | 4,625 |
| Tier 1 risk-based capital ratio | 11.0554% | 6,305 |
| Total risk-based capital ratio | 13.2785% | 5,726 |
| Memoranda: | ||
| Average total assets | $1,810,463,330 | 379 |
| Average earning assets | $1,637,993,670 | 383 |
| Average equity | $188,678,670 | 405 |
| Average total loans | $1,202,957,000 | 367 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5842% | 5,489 |
| Cost of funding earning assets | 0.2900% | 6,041 |
| Net interest margin | 3.2942% | 4,542 |
| Noninterest income to average assets | 1.2193% | 1,020 |
| Noninterest expense to average assets | 2.5360% | 4,626 |
| Loan and lease loss provision to assets | 0.4365% | 669 |
| Net operating income to assets | 0.8830% | 2,736 |
| Return on assets (ROA) | 0.9260% | 2,681 |
| Pretax return on assets | 1.2887% | 2,265 |
| Return on Equity (ROE) | 8.9906% | 2,495 |
| Retained earnings to average equity (ytd only) | 6.4479% | 2,432 |
| Net charge-offs to loans | 0.6387% | 959 |
| Credit loss provision to net charge-offs | 103.7883% | 1,776 |
| Earnings coverage of net charge-offs (x) | 3.9600% | 2,641 |
| Efficiency ratio | 59.5346% | 5,653 |
| Assets per employee ($millions) | 5.0073% | 2,203 |
| Cash dividends to net income (ytd only)* | 28.2819% | 2,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3847% | 4,314 |
| Loan loss allowance to noncurrent loans | 76.3139% | 4,081 |
| Noncurrent assets plus other real estate owned to assets | 1.4956% | 3,015 |
| Noncurrent loans to loans | 1.8145% | 2,842 |
| Net loans and leases to total assets | 65.0224% | 2,536 |
| Net loans and leases to deposits | 75.7785% | 2,671 |
| Net loans and leases to core deposits | 79.3763% | 2,881 |
| Total domestic deposits to total assets | 85.8059% | 3,629 |
| Equity capital to assets | 10.4235% | 3,642 |
| Core capital (leverage) ratio | 8.9712% | 4,935 |
| Tier 1 risk-based capital ratio | 10.8573% | 6,461 |
| Total risk-based capital ratio | 13.0788% | 5,992 |
| Memoranda: | ||
| Average total assets | $1,832,796,000 | 382 |
| Average earning assets | $1,659,168,500 | 383 |
| Average equity | $188,775,000 | 413 |
| Average total loans | $1,206,756,500 | 367 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9592% | 5,418 |
| Cost of funding earning assets | 0.3789% | 6,059 |
| Net interest margin | 3.5803% | 4,181 |
| Noninterest income to average assets | 1.2680% | 968 |
| Noninterest expense to average assets | 2.6226% | 4,665 |
| Loan and lease loss provision to assets | 0.3995% | 1,628 |
| Net operating income to assets | 1.0564% | 2,092 |
| Return on assets (ROA) | 1.0648% | 2,257 |
| Pretax return on assets | 1.4840% | 1,733 |
| Return on Equity (ROE) | 10.3351% | 2,036 |
| Retained earnings to average equity (ytd only) | 7.2885% | 1,433 |
| Net charge-offs to loans | 0.7481% | 1,570 |
| Credit loss provision to net charge-offs | 80.2752% | 3,827 |
| Earnings coverage of net charge-offs (x) | 3.7617% | 3,617 |
| Efficiency ratio | 57.3788% | 5,910 |
| Assets per employee ($millions) | 5.0630% | 2,148 |
| Cash dividends to net income (ytd only)* | 29.4780% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3673% | 4,322 |
| Loan loss allowance to noncurrent loans | 85.9202% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.3391% | 3,399 |
| Noncurrent loans to loans | 1.5914% | 3,237 |
| Net loans and leases to total assets | 64.8514% | 2,746 |
| Net loans and leases to deposits | 76.0437% | 2,801 |
| Net loans and leases to core deposits | 79.8412% | 3,032 |
| Total domestic deposits to total assets | 85.2816% | 3,720 |
| Equity capital to assets | 10.1775% | 3,916 |
| Core capital (leverage) ratio | 8.9799% | 4,928 |
| Tier 1 risk-based capital ratio | 10.7111% | 6,468 |
| Total risk-based capital ratio | 13.2201% | 5,762 |
| Memoranda: | ||
| Average total assets | $1,752,333,200 | 392 |
| Average earning assets | $1,579,179,800 | 391 |
| Average equity | $180,530,200 | 415 |
| Average total loans | $1,165,554,800 | 375 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0038% | 5,508 |
| Cost of funding earning assets | 0.3990% | 6,125 |
| Net interest margin | 3.6048% | 4,219 |
| Noninterest income to average assets | 1.2808% | 903 |
| Noninterest expense to average assets | 2.6507% | 4,560 |
| Loan and lease loss provision to assets | 0.4394% | 1,435 |
| Net operating income to assets | 1.0307% | 2,364 |
| Return on assets (ROA) | 1.0419% | 2,528 |
| Pretax return on assets | 1.4534% | 2,063 |
| Return on Equity (ROE) | 10.0811% | 2,314 |
| Retained earnings to average equity (ytd only) | 6.7250% | 2,265 |
| Net charge-offs to loans | 0.8553% | 1,286 |
| Credit loss provision to net charge-offs | 76.9958% | 3,705 |
| Earnings coverage of net charge-offs (x) | 3.2895% | 3,711 |
| Efficiency ratio | 57.5495% | 5,848 |
| Assets per employee ($millions) | 4.6635% | 2,654 |
| Cash dividends to net income (ytd only)* | 33.2914% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4074% | 4,344 |
| Loan loss allowance to noncurrent loans | 111.1670% | 2,949 |
| Noncurrent assets plus other real estate owned to assets | 1.2268% | 3,838 |
| Noncurrent loans to loans | 1.2661% | 3,938 |
| Net loans and leases to total assets | 67.5145% | 2,364 |
| Net loans and leases to deposits | 78.9225% | 2,541 |
| Net loans and leases to core deposits | 83.0187% | 2,820 |
| Total domestic deposits to total assets | 85.5453% | 3,485 |
| Equity capital to assets | 10.7218% | 3,586 |
| Core capital (leverage) ratio | 9.0711% | 4,962 |
| Tier 1 risk-based capital ratio | 10.7850% | 6,567 |
| Total risk-based capital ratio | 13.3845% | 5,838 |
| Memoranda: | ||
| Average total assets | $1,729,684,000 | 397 |
| Average earning assets | $1,557,991,250 | 395 |
| Average equity | $178,771,500 | 419 |
| Average total loans | $1,154,010,250 | 378 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0238% | 5,575 |
| Cost of funding earning assets | 0.4205% | 6,164 |
| Net interest margin | 3.6033% | 4,246 |
| Noninterest income to average assets | 1.2416% | 929 |
| Noninterest expense to average assets | 2.6183% | 4,717 |
| Loan and lease loss provision to assets | 0.4040% | 1,623 |
| Net operating income to assets | 1.0446% | 2,270 |
| Return on assets (ROA) | 1.0615% | 2,430 |
| Pretax return on assets | 1.4833% | 1,904 |
| Return on Equity (ROE) | 10.3991% | 2,216 |
| Retained earnings to average equity (ytd only) | 7.5720% | 1,830 |
| Net charge-offs to loans | 0.6008% | 1,813 |
| Credit loss provision to net charge-offs | 101.6851% | 2,673 |
| Earnings coverage of net charge-offs (x) | 4.6912% | 3,016 |
| Efficiency ratio | 57.3963% | 5,942 |
| Assets per employee ($millions) | 4.5406% | 2,829 |
| Cash dividends to net income (ytd only)* | 27.1857% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 3,655 |
| Loan loss allowance to noncurrent loans | 111.4649% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.3161% | 3,799 |
| Noncurrent loans to loans | 1.4217% | 3,780 |
| Net loans and leases to total assets | 66.9141% | 2,483 |
| Net loans and leases to deposits | 78.2351% | 2,635 |
| Net loans and leases to core deposits | 82.1822% | 2,940 |
| Total domestic deposits to total assets | 85.5295% | 3,588 |
| Equity capital to assets | 10.6249% | 3,541 |
| Core capital (leverage) ratio | 8.8013% | 5,210 |
| Tier 1 risk-based capital ratio | 10.6897% | 6,619 |
| Total risk-based capital ratio | 13.3728% | 5,826 |
| Memoranda: | ||
| Average total assets | $1,732,639,000 | 399 |
| Average earning assets | $1,558,245,000 | 393 |
| Average equity | $176,861,000 | 422 |
| Average total loans | $1,145,884,330 | 379 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9881% | 5,801 |
| Cost of funding earning assets | 0.4456% | 6,173 |
| Net interest margin | 3.5425% | 4,518 |
| Noninterest income to average assets | 1.2360% | 932 |
| Noninterest expense to average assets | 2.5670% | 4,933 |
| Loan and lease loss provision to assets | 0.4120% | 1,528 |
| Net operating income to assets | 1.0343% | 2,349 |
| Return on assets (ROA) | 1.0680% | 2,409 |
| Pretax return on assets | 1.4939% | 1,884 |
| Return on Equity (ROE) | 10.6752% | 2,156 |
| Retained earnings to average equity (ytd only) | 4.9555% | 3,582 |
| Net charge-offs to loans | 0.6056% | 1,581 |
| Credit loss provision to net charge-offs | 104.2874% | 2,215 |
| Earnings coverage of net charge-offs (x) | 4.7045% | 2,516 |
| Efficiency ratio | 56.9692% | 6,033 |
| Assets per employee ($millions) | 4.8791% | 2,421 |
| Cash dividends to net income (ytd only)* | 53.5791% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 3,685 |
| Loan loss allowance to noncurrent loans | 105.1721% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 1.3580% | 3,848 |
| Noncurrent loans to loans | 1.5301% | 3,819 |
| Net loans and leases to total assets | 64.0963% | 2,831 |
| Net loans and leases to deposits | 74.5009% | 3,049 |
| Net loans and leases to core deposits | 78.2678% | 3,290 |
| Total domestic deposits to total assets | 86.0341% | 3,508 |
| Equity capital to assets | 10.0409% | 4,077 |
| Core capital (leverage) ratio | 8.4494% | 5,678 |
| Tier 1 risk-based capital ratio | 10.3030% | 6,793 |
| Total risk-based capital ratio | 12.9793% | 6,122 |
| Memoranda: | ||
| Average total assets | $1,747,591,000 | 394 |
| Average earning assets | $1,573,466,500 | 389 |
| Average equity | $174,834,500 | 423 |
| Average total loans | $1,139,968,500 | 380 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 5,673 |
| Cost of funding earning assets | 0.5965% | 6,102 |
| Net interest margin | 3.7298% | 4,157 |
| Noninterest income to average assets | 1.2397% | 848 |
| Noninterest expense to average assets | 2.5231% | 5,392 |
| Loan and lease loss provision to assets | 0.6503% | 1,568 |
| Net operating income to assets | 1.0207% | 2,130 |
| Return on assets (ROA) | 1.0306% | 2,235 |
| Pretax return on assets | 1.4597% | 1,598 |
| Return on Equity (ROE) | 9.5130% | 2,243 |
| Retained earnings to average equity (ytd only) | -1.3759% | 6,071 |
| Net charge-offs to loans | 0.8723% | 1,990 |
| Credit loss provision to net charge-offs | 109.3591% | 3,067 |
| Earnings coverage of net charge-offs (x) | 3.5248% | 3,484 |
| Efficiency ratio | 53.4987% | 6,562 |
| Assets per employee ($millions) | 4.8977% | 2,323 |
| Cash dividends to net income (ytd only)* | 114.4635% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6058% | 3,567 |
| Loan loss allowance to noncurrent loans | 115.2363% | 2,693 |
| Noncurrent assets plus other real estate owned to assets | 1.2454% | 4,147 |
| Noncurrent loans to loans | 1.3935% | 4,054 |
| Net loans and leases to total assets | 64.2687% | 3,127 |
| Net loans and leases to deposits | 74.7424% | 3,382 |
| Net loans and leases to core deposits | 78.5580% | 3,620 |
| Total domestic deposits to total assets | 85.9869% | 3,332 |
| Equity capital to assets | 9.9676% | 4,205 |
| Core capital (leverage) ratio | 8.4331% | 5,663 |
| Tier 1 risk-based capital ratio | 10.2164% | 6,794 |
| Total risk-based capital ratio | 12.9073% | 6,041 |
| Memoranda: | ||
| Average total assets | $1,653,046,600 | 402 |
| Average earning assets | $1,497,787,000 | 396 |
| Average equity | $179,081,600 | 393 |
| Average total loans | $1,126,876,200 | 377 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3865% | 5,653 |
| Cost of funding earning assets | 0.6314% | 6,124 |
| Net interest margin | 3.7551% | 4,087 |
| Noninterest income to average assets | 1.2236% | 879 |
| Noninterest expense to average assets | 2.5662% | 5,213 |
| Loan and lease loss provision to assets | 0.6992% | 1,379 |
| Net operating income to assets | 0.9682% | 2,443 |
| Return on assets (ROA) | 0.9817% | 2,544 |
| Pretax return on assets | 1.3865% | 1,976 |
| Return on Equity (ROE) | 8.8717% | 2,662 |
| Retained earnings to average equity (ytd only) | 7.0241% | 1,957 |
| Net charge-offs to loans | 0.9465% | 1,706 |
| Credit loss provision to net charge-offs | 107.1697% | 3,083 |
| Earnings coverage of net charge-offs (x) | 3.1680% | 3,553 |
| Efficiency ratio | 54.2635% | 6,462 |
| Assets per employee ($millions) | 4.6512% | 2,693 |
| Cash dividends to net income (ytd only)* | 20.8264% | 2,889 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5944% | 3,691 |
| Loan loss allowance to noncurrent loans | 112.0682% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 1.1029% | 4,570 |
| Noncurrent loans to loans | 1.4227% | 4,162 |
| Net loans and leases to total assets | 68.2135% | 2,442 |
| Net loans and leases to deposits | 80.8277% | 2,551 |
| Net loans and leases to core deposits | 85.0543% | 2,905 |
| Total domestic deposits to total assets | 84.3938% | 4,059 |
| Equity capital to assets | 11.4776% | 2,698 |
| Core capital (leverage) ratio | 9.7113% | 3,829 |
| Tier 1 risk-based capital ratio | 11.3799% | 6,310 |
| Total risk-based capital ratio | 14.1068% | 5,177 |
| Memoranda: | ||
| Average total assets | $1,630,409,250 | 408 |
| Average earning assets | $1,480,313,250 | 400 |
| Average equity | $180,403,500 | 397 |
| Average total loans | $1,123,876,750 | 382 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3663% | 5,800 |
| Cost of funding earning assets | 0.6581% | 6,184 |
| Net interest margin | 3.7081% | 4,221 |
| Noninterest income to average assets | 1.1841% | 916 |
| Noninterest expense to average assets | 2.5398% | 5,396 |
| Loan and lease loss provision to assets | 0.7349% | 1,266 |
| Net operating income to assets | 0.9118% | 2,590 |
| Return on assets (ROA) | 0.9319% | 2,612 |
| Pretax return on assets | 1.3104% | 2,106 |
| Return on Equity (ROE) | 8.5276% | 2,707 |
| Retained earnings to average equity (ytd only) | 8.5276% | 1,257 |
| Net charge-offs to loans | 0.9884% | 1,589 |
| Credit loss provision to net charge-offs | 108.0692% | 2,838 |
| Earnings coverage of net charge-offs (x) | 2.9660% | 3,369 |
| Efficiency ratio | 54.5643% | 6,566 |
| Assets per employee ($millions) | 4.5213% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5773% | 3,795 |
| Loan loss allowance to noncurrent loans | 108.4947% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.1449% | 4,598 |
| Noncurrent loans to loans | 1.4538% | 4,242 |
| Net loans and leases to total assets | 69.4639% | 2,331 |
| Net loans and leases to deposits | 82.0054% | 2,456 |
| Net loans and leases to core deposits | 86.2845% | 2,867 |
| Total domestic deposits to total assets | 84.7065% | 4,014 |
| Equity capital to assets | 11.4683% | 2,533 |
| Core capital (leverage) ratio | 9.5313% | 3,906 |
| Tier 1 risk-based capital ratio | 11.2534% | 6,350 |
| Total risk-based capital ratio | 13.9833% | 5,123 |
| Memoranda: | ||
| Average total assets | $1,632,783,670 | 411 |
| Average earning assets | $1,485,112,000 | 407 |
| Average equity | $178,433,330 | 400 |
| Average total loans | $1,123,421,670 | 389 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2548% | 6,135 |
| Cost of funding earning assets | 0.6838% | 6,228 |
| Net interest margin | 3.5710% | 4,713 |
| Noninterest income to average assets | 1.1382% | 1,010 |
| Noninterest expense to average assets | 2.4727% | 5,654 |
| Loan and lease loss provision to assets | 0.7278% | 1,161 |
| Net operating income to assets | 0.8537% | 2,762 |
| Return on assets (ROA) | 0.8934% | 2,655 |
| Pretax return on assets | 1.2510% | 2,195 |
| Return on Equity (ROE) | 8.3765% | 2,748 |
| Retained earnings to average equity (ytd only) | 8.3765% | 1,594 |
| Net charge-offs to loans | 0.9569% | 1,399 |
| Credit loss provision to net charge-offs | 111.9403% | 2,394 |
| Earnings coverage of net charge-offs (x) | 2.9575% | 2,901 |
| Efficiency ratio | 55.0361% | 6,601 |
| Assets per employee ($millions) | 4.6820% | 2,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5802% | 3,816 |
| Loan loss allowance to noncurrent loans | 86.8251% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 1.3130% | 4,339 |
| Noncurrent loans to loans | 1.8200% | 3,801 |
| Net loans and leases to total assets | 67.4211% | 2,672 |
| Net loans and leases to deposits | 79.1448% | 2,865 |
| Net loans and leases to core deposits | 83.0689% | 3,299 |
| Total domestic deposits to total assets | 85.1870% | 3,955 |
| Equity capital to assets | 10.8874% | 2,790 |
| Core capital (leverage) ratio | 9.1730% | 4,330 |
| Tier 1 risk-based capital ratio | 11.0350% | 6,488 |
| Total risk-based capital ratio | 13.7772% | 5,220 |
| Memoranda: | ||
| Average total assets | $1,648,903,000 | 412 |
| Average earning assets | $1,504,006,500 | 403 |
| Average equity | $175,872,000 | 407 |
| Average total loans | $1,120,323,500 | 389 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6656% | 5,908 |
| Cost of funding earning assets | 0.9056% | 6,155 |
| Net interest margin | 3.7600% | 4,107 |
| Noninterest income to average assets | 1.3197% | 849 |
| Noninterest expense to average assets | 2.6696% | 5,127 |
| Loan and lease loss provision to assets | 0.9875% | 1,642 |
| Net operating income to assets | 0.7857% | 2,866 |
| Return on assets (ROA) | 0.7857% | 2,988 |
| Pretax return on assets | 1.0862% | 2,633 |
| Return on Equity (ROE) | 7.5966% | 2,848 |
| Retained earnings to average equity (ytd only) | 5.7487% | 1,964 |
| Net charge-offs to loans | 1.1651% | 1,913 |
| Credit loss provision to net charge-offs | 116.6729% | 3,678 |
| Earnings coverage of net charge-offs (x) | 2.4501% | 3,906 |
| Efficiency ratio | 54.3034% | 6,776 |
| Assets per employee ($millions) | 4.8366% | 2,369 |
| Cash dividends to net income (ytd only)* | 24.3250% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 3,780 |
| Loan loss allowance to noncurrent loans | 82.4574% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.3137% | 4,396 |
| Noncurrent loans to loans | 1.8785% | 3,715 |
| Net loans and leases to total assets | 66.3497% | 3,394 |
| Net loans and leases to deposits | 77.4396% | 3,600 |
| Net loans and leases to core deposits | 81.0080% | 4,057 |
| Total domestic deposits to total assets | 85.6793% | 3,507 |
| Equity capital to assets | 10.4486% | 3,217 |
| Core capital (leverage) ratio | 9.2194% | 4,139 |
| Tier 1 risk-based capital ratio | 10.7698% | 6,513 |
| Total risk-based capital ratio | 13.5186% | 5,205 |
| Memoranda: | ||
| Average total assets | $1,569,615,600 | 439 |
| Average earning assets | $1,429,204,800 | 430 |
| Average equity | $162,349,800 | 425 |
| Average total loans | $1,140,247,400 | 391 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 5,792 |
| Cost of funding earning assets | 0.9532% | 6,158 |
| Net interest margin | 3.8151% | 3,906 |
| Noninterest income to average assets | 1.3084% | 806 |
| Noninterest expense to average assets | 2.6946% | 4,904 |
| Loan and lease loss provision to assets | 1.0780% | 1,357 |
| Net operating income to assets | 0.7338% | 3,263 |
| Return on assets (ROA) | 0.7338% | 3,425 |
| Pretax return on assets | 1.0051% | 3,163 |
| Return on Equity (ROE) | 7.1139% | 3,290 |
| Retained earnings to average equity (ytd only) | 4.6058% | 3,257 |
| Net charge-offs to loans | 1.2215% | 1,679 |
| Credit loss provision to net charge-offs | 119.1611% | 3,468 |
| Earnings coverage of net charge-offs (x) | 2.3027% | 4,010 |
| Efficiency ratio | 54.3853% | 6,755 |
| Assets per employee ($millions) | 4.4122% | 3,061 |
| Cash dividends to net income (ytd only)* | 35.2568% | 2,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5028% | 3,943 |
| Loan loss allowance to noncurrent loans | 90.4458% | 3,035 |
| Noncurrent assets plus other real estate owned to assets | 1.3498% | 4,467 |
| Noncurrent loans to loans | 1.6615% | 4,153 |
| Net loans and leases to total assets | 74.5484% | 1,676 |
| Net loans and leases to deposits | 88.3684% | 1,957 |
| Net loans and leases to core deposits | 93.0178% | 2,658 |
| Total domestic deposits to total assets | 84.3609% | 3,930 |
| Equity capital to assets | 10.7705% | 3,200 |
| Core capital (leverage) ratio | 8.8321% | 4,951 |
| Tier 1 risk-based capital ratio | 9.9019% | 7,116 |
| Total risk-based capital ratio | 12.6691% | 5,990 |
| Memoranda: | ||
| Average total assets | $1,546,072,000 | 441 |
| Average earning assets | $1,405,933,500 | 436 |
| Average equity | $159,476,750 | 421 |
| Average total loans | $1,144,987,250 | 394 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7349% | 6,028 |
| Cost of funding earning assets | 0.9925% | 6,178 |
| Net interest margin | 3.7425% | 4,171 |
| Noninterest income to average assets | 1.2249% | 863 |
| Noninterest expense to average assets | 2.6453% | 5,150 |
| Loan and lease loss provision to assets | 1.1550% | 1,234 |
| Net operating income to assets | 0.6206% | 3,780 |
| Return on assets (ROA) | 0.6206% | 3,914 |
| Pretax return on assets | 0.8315% | 3,774 |
| Return on Equity (ROE) | 6.1037% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.1037% | 2,278 |
| Net charge-offs to loans | 1.3302% | 1,425 |
| Credit loss provision to net charge-offs | 118.0792% | 3,440 |
| Earnings coverage of net charge-offs (x) | 2.0308% | 4,009 |
| Efficiency ratio | 55.0094% | 6,763 |
| Assets per employee ($millions) | 4.3887% | 3,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 4,102 |
| Loan loss allowance to noncurrent loans | 73.8090% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 1.5669% | 4,112 |
| Noncurrent loans to loans | 1.9825% | 3,745 |
| Net loans and leases to total assets | 73.3108% | 2,081 |
| Net loans and leases to deposits | 85.5166% | 2,596 |
| Net loans and leases to core deposits | 89.9903% | 3,264 |
| Total domestic deposits to total assets | 85.7269% | 3,248 |
| Equity capital to assets | 10.6677% | 3,202 |
| Core capital (leverage) ratio | 8.4335% | 5,525 |
| Tier 1 risk-based capital ratio | 9.8027% | 7,133 |
| Total risk-based capital ratio | 12.5656% | 5,913 |
| Memoranda: | ||
| Average total assets | $1,558,441,670 | 437 |
| Average earning assets | $1,418,689,330 | 430 |
| Average equity | $158,461,330 | 427 |
| Average total loans | $1,145,959,330 | 399 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 6,370 |
| Cost of funding earning assets | 1.0451% | 6,150 |
| Net interest margin | 3.6168% | 4,641 |
| Noninterest income to average assets | 1.1667% | 901 |
| Noninterest expense to average assets | 2.6444% | 5,169 |
| Loan and lease loss provision to assets | 1.1404% | 1,076 |
| Net operating income to assets | 0.5210% | 4,282 |
| Return on assets (ROA) | 0.5210% | 4,423 |
| Pretax return on assets | 0.6797% | 4,306 |
| Return on Equity (ROE) | 5.2483% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.2483% | 3,014 |
| Net charge-offs to loans | 1.4024% | 1,230 |
| Credit loss provision to net charge-offs | 111.2210% | 3,109 |
| Earnings coverage of net charge-offs (x) | 1.7751% | 3,669 |
| Efficiency ratio | 57.0528% | 6,623 |
| Assets per employee ($millions) | 4.7169% | 2,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3634% | 4,606 |
| Loan loss allowance to noncurrent loans | 71.5786% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.4639% | 4,308 |
| Noncurrent loans to loans | 1.9048% | 3,917 |
| Net loans and leases to total assets | 70.8182% | 2,735 |
| Net loans and leases to deposits | 81.9648% | 3,289 |
| Net loans and leases to core deposits | 86.2645% | 3,856 |
| Total domestic deposits to total assets | 86.4007% | 2,940 |
| Equity capital to assets | 9.8993% | 3,996 |
| Core capital (leverage) ratio | 8.2395% | 5,849 |
| Tier 1 risk-based capital ratio | 9.3909% | 7,354 |
| Total risk-based capital ratio | 12.0352% | 6,339 |
| Memoranda: | ||
| Average total assets | $1,578,410,000 | 444 |
| Average earning assets | $1,439,156,000 | 439 |
| Average equity | $156,697,000 | 437 |
| Average total loans | $1,154,059,500 | 416 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0234% | 6,359 |
| Cost of funding earning assets | 1.4007% | 5,927 |
| Net interest margin | 3.6227% | 4,462 |
| Noninterest income to average assets | 1.1602% | 1,144 |
| Noninterest expense to average assets | 2.6259% | 5,692 |
| Loan and lease loss provision to assets | 0.9356% | 2,408 |
| Net operating income to assets | 0.6654% | 3,082 |
| Return on assets (ROA) | 0.7047% | 2,980 |
| Pretax return on assets | 0.9523% | 2,752 |
| Return on Equity (ROE) | 6.5378% | 2,973 |
| Retained earnings to average equity (ytd only) | 4.5074% | 2,101 |
| Net charge-offs to loans | 0.7017% | 3,081 |
| Credit loss provision to net charge-offs | 169.1506% | 2,529 |
| Earnings coverage of net charge-offs (x) | 3.3172% | 3,398 |
| Efficiency ratio | 57.0765% | 6,883 |
| Assets per employee ($millions) | 4.9290% | 2,307 |
| Cash dividends to net income (ytd only)* | 31.0559% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3024% | 4,748 |
| Loan loss allowance to noncurrent loans | 59.2794% | 4,431 |
| Noncurrent assets plus other real estate owned to assets | 1.7244% | 3,782 |
| Noncurrent loans to loans | 2.1971% | 3,389 |
| Net loans and leases to total assets | 73.4906% | 2,385 |
| Net loans and leases to deposits | 85.2991% | 3,027 |
| Net loans and leases to core deposits | 96.9034% | 4,363 |
| Total domestic deposits to total assets | 86.1563% | 2,927 |
| Equity capital to assets | 9.9563% | 3,820 |
| Core capital (leverage) ratio | 8.8735% | 4,634 |
| Tier 1 risk-based capital ratio | 9.3243% | 7,315 |
| Total risk-based capital ratio | 11.9250% | 6,207 |
| Memoranda: | ||
| Average total assets | $1,370,765,000 | 498 |
| Average earning assets | $1,248,838,000 | 492 |
| Average equity | $147,755,400 | 456 |
| Average total loans | $1,080,443,200 | 454 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1327% | 6,163 |
| Cost of funding earning assets | 1.4833% | 5,892 |
| Net interest margin | 3.6494% | 4,276 |
| Noninterest income to average assets | 1.1743% | 1,133 |
| Noninterest expense to average assets | 2.7118% | 5,267 |
| Loan and lease loss provision to assets | 0.8391% | 2,283 |
| Net operating income to assets | 0.7000% | 3,210 |
| Return on assets (ROA) | 0.7196% | 3,207 |
| Pretax return on assets | 0.9763% | 2,970 |
| Return on Equity (ROE) | 6.5292% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.5292% | 1,699 |
| Net charge-offs to loans | 0.5609% | 2,999 |
| Credit loss provision to net charge-offs | 186.7429% | 2,440 |
| Earnings coverage of net charge-offs (x) | 3.9812% | 3,313 |
| Efficiency ratio | 58.3791% | 6,667 |
| Assets per employee ($millions) | 4.6044% | 2,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 4,913 |
| Loan loss allowance to noncurrent loans | 54.2526% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.8993% | 3,509 |
| Noncurrent loans to loans | 2.2815% | 3,286 |
| Net loans and leases to total assets | 79.0598% | 1,381 |
| Net loans and leases to deposits | 95.4734% | 1,648 |
| Net loans and leases to core deposits | 110.6825% | 3,160 |
| Total domestic deposits to total assets | 82.8083% | 4,317 |
| Equity capital to assets | 11.2047% | 2,830 |
| Core capital (leverage) ratio | 10.0964% | 3,180 |
| Tier 1 risk-based capital ratio | 10.4137% | 6,554 |
| Total risk-based capital ratio | 13.0543% | 5,092 |
| Memoranda: | ||
| Average total assets | $1,322,833,250 | 526 |
| Average earning assets | $1,205,721,000 | 518 |
| Average equity | $145,802,500 | 469 |
| Average total loans | $1,059,694,500 | 474 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1718% | 6,184 |
| Cost of funding earning assets | 1.5424% | 5,964 |
| Net interest margin | 3.6294% | 4,251 |
| Noninterest income to average assets | 1.2401% | 1,003 |
| Noninterest expense to average assets | 2.7724% | 5,081 |
| Loan and lease loss provision to assets | 0.6652% | 2,438 |
| Net operating income to assets | 0.8044% | 2,838 |
| Return on assets (ROA) | 0.8335% | 2,814 |
| Pretax return on assets | 1.1504% | 2,464 |
| Return on Equity (ROE) | 7.6073% | 2,921 |
| Retained earnings to average equity (ytd only) | 7.6073% | 1,352 |
| Net charge-offs to loans | 0.4644% | 2,968 |
| Credit loss provision to net charge-offs | 178.7929% | 2,558 |
| Earnings coverage of net charge-offs (x) | 4.7710% | 3,007 |
| Efficiency ratio | 59.0056% | 6,695 |
| Assets per employee ($millions) | 4.3847% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 5,526 |
| Loan loss allowance to noncurrent loans | 84.1116% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.1446% | 4,657 |
| Noncurrent loans to loans | 1.3203% | 4,574 |
| Net loans and leases to total assets | 78.9377% | 1,539 |
| Net loans and leases to deposits | 93.7779% | 2,122 |
| Net loans and leases to core deposits | 108.7594% | 3,520 |
| Total domestic deposits to total assets | 84.1751% | 3,662 |
| Equity capital to assets | 11.5032% | 2,539 |
| Core capital (leverage) ratio | 9.9580% | 3,337 |
| Tier 1 risk-based capital ratio | 10.7447% | 6,144 |
| Total risk-based capital ratio | 13.3499% | 4,755 |
| Memoranda: | ||
| Average total assets | $1,300,268,000 | 546 |
| Average earning assets | $1,184,922,670 | 538 |
| Average equity | $142,468,670 | 490 |
| Average total loans | $1,041,883,330 | 492 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1738% | 6,400 |
| Cost of funding earning assets | 1.6116% | 5,980 |
| Net interest margin | 3.5622% | 4,479 |
| Noninterest income to average assets | 1.1957% | 1,014 |
| Noninterest expense to average assets | 2.6946% | 5,034 |
| Loan and lease loss provision to assets | 0.4751% | 2,575 |
| Net operating income to assets | 0.9057% | 2,681 |
| Return on assets (ROA) | 0.9639% | 2,592 |
| Pretax return on assets | 1.3499% | 2,120 |
| Return on Equity (ROE) | 9.0312% | 2,708 |
| Retained earnings to average equity (ytd only) | 9.0312% | 1,473 |
| Net charge-offs to loans | 0.2646% | 3,076 |
| Credit loss provision to net charge-offs | 223.6070% | 2,032 |
| Earnings coverage of net charge-offs (x) | 8.2038% | 2,228 |
| Efficiency ratio | 58.6422% | 6,602 |
| Assets per employee ($millions) | 4.3361% | 3,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0415% | 5,861 |
| Loan loss allowance to noncurrent loans | 124.1973% | 2,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7548% | 5,271 |
| Noncurrent loans to loans | 0.8386% | 5,344 |
| Net loans and leases to total assets | 77.7632% | 1,877 |
| Net loans and leases to deposits | 92.8168% | 2,466 |
| Net loans and leases to core deposits | 106.9819% | 3,798 |
| Total domestic deposits to total assets | 83.7814% | 3,813 |
| Equity capital to assets | 11.4995% | 2,589 |
| Core capital (leverage) ratio | 10.2458% | 3,156 |
| Tier 1 risk-based capital ratio | 10.7198% | 6,168 |
| Total risk-based capital ratio | 13.2832% | 4,824 |
| Memoranda: | ||
| Average total assets | $1,283,923,000 | 551 |
| Average earning assets | $1,168,499,000 | 554 |
| Average equity | $137,036,500 | 508 |
| Average total loans | $1,030,814,000 | 503 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1716% | 4,660 |
| Cost of funding earning assets | 2.3835% | 4,793 |
| Net interest margin | 3.7881% | 4,070 |
| Noninterest income to average assets | 1.2023% | 1,033 |
| Noninterest expense to average assets | 2.7106% | 5,224 |
| Loan and lease loss provision to assets | 0.3949% | 3,324 |
| Net operating income to assets | 1.0689% | 2,261 |
| Return on assets (ROA) | 1.0689% | 2,175 |
| Pretax return on assets | 1.5292% | 1,599 |
| Return on Equity (ROE) | 10.8772% | 1,945 |
| Retained earnings to average equity (ytd only) | -6.5210% | 6,727 |
| Net charge-offs to loans | 0.3494% | 3,082 |
| Credit loss provision to net charge-offs | 140.7837% | 3,768 |
| Earnings coverage of net charge-offs (x) | 6.8598% | 3,252 |
| Efficiency ratio | 56.2417% | 6,972 |
| Assets per employee ($millions) | 4.0714% | 3,366 |
| Cash dividends to net income (ytd only)* | 159.9513% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 6,320 |
| Loan loss allowance to noncurrent loans | 103.6394% | 3,353 |
| Noncurrent assets plus other real estate owned to assets | 0.8193% | 4,800 |
| Noncurrent loans to loans | 0.9291% | 4,756 |
| Net loans and leases to total assets | 81.2820% | 1,364 |
| Net loans and leases to deposits | 95.1514% | 2,588 |
| Net loans and leases to core deposits | 109.2743% | 3,831 |
| Total domestic deposits to total assets | 85.4239% | 2,655 |
| Equity capital to assets | 9.8076% | 4,286 |
| Core capital (leverage) ratio | 8.2917% | 5,967 |
| Tier 1 risk-based capital ratio | 8.4994% | 7,990 |
| Total risk-based capital ratio | 11.0362% | 6,859 |
| Memoranda: | ||
| Average total assets | $1,228,224,000 | 548 |
| Average earning assets | $1,112,868,600 | 553 |
| Average equity | $120,702,000 | 563 |
| Average total loans | $985,920,200 | 500 |