Home > The Brand Banking Company > Performance and Condition Ratios
The Brand Banking Company, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7085% | 232 |
| Cost of funding earning assets | 0.7929% | 1,154 |
| Net interest margin | 4.9155% | 290 |
| Noninterest income to average assets | 0.1720% | 4,964 |
| Noninterest expense to average assets | 4.6192% | 267 |
| Loan and lease loss provision to assets | 0.5940% | 174 |
| Net operating income to assets | -0.3607% | 5,426 |
| Return on assets (ROA) | -0.3607% | 5,419 |
| Pretax return on assets | -0.4753% | 5,433 |
| Return on Equity (ROE) | -3.6726% | 5,421 |
| Retained earnings to average equity (ytd only) | -3.6726% | 5,239 |
| Net charge-offs to loans | 0.9920% | 134 |
| Credit loss provision to net charge-offs | 73.6222% | 2,316 |
| Earnings coverage of net charge-offs (x) | 0.1471% | 3,139 |
| Efficiency ratio | 97.4944% | 198 |
| Assets per employee ($millions) | 4.7823% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8774% | 4,436 |
| Loan loss allowance to noncurrent loans | 281.4630% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5459% | 2,592 |
| Noncurrent loans to loans | 0.3117% | 3,586 |
| Net loans and leases to total assets | 79.4601% | 1,100 |
| Net loans and leases to deposits | 98.6351% | 917 |
| Net loans and leases to core deposits | 114.4183% | 776 |
| Total domestic deposits to total assets | 80.5596% | 4,113 |
| Equity capital to assets | 10.0447% | 3,580 |
| Core capital (leverage) ratio | 9.6212% | 3,974 |
| Tier 1 risk-based capital ratio | 11.9339% | 4,535 |
| Total risk-based capital ratio | 12.7675% | 4,675 |
| Memoranda: | ||
| Average total assets | $2,356,970,330 | 374 |
| Average earning assets | $2,189,342,670 | 365 |
| Average equity | $231,496,000 | 404 |
| Average total loans | $1,917,012,330 | 335 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2834% | 414 |
| Cost of funding earning assets | 0.7419% | 1,224 |
| Net interest margin | 4.5415% | 563 |
| Noninterest income to average assets | 1.3717% | 494 |
| Noninterest expense to average assets | 4.0596% | 493 |
| Loan and lease loss provision to assets | 0.0828% | 2,138 |
| Net operating income to assets | 1.1112% | 2,377 |
| Return on assets (ROA) | 1.1112% | 2,392 |
| Pretax return on assets | 1.4628% | 1,796 |
| Return on Equity (ROE) | 11.4340% | 1,796 |
| Retained earnings to average equity (ytd only) | 11.4340% | 801 |
| Net charge-offs to loans | 0.1289% | 1,028 |
| Credit loss provision to net charge-offs | 78.4929% | 1,759 |
| Earnings coverage of net charge-offs (x) | 14.6436% | 1,699 |
| Efficiency ratio | 72.4252% | 2,132 |
| Assets per employee ($millions) | 5.1302% | 2,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9205% | 4,352 |
| Loan loss allowance to noncurrent loans | 44.9929% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 2.2878% | 443 |
| Noncurrent loans to loans | 2.0458% | 770 |
| Net loans and leases to total assets | 80.4976% | 872 |
| Net loans and leases to deposits | 101.4156% | 619 |
| Net loans and leases to core deposits | 118.3760% | 639 |
| Total domestic deposits to total assets | 79.3740% | 4,515 |
| Equity capital to assets | 9.7583% | 3,832 |
| Core capital (leverage) ratio | 10.0467% | 3,477 |
| Tier 1 risk-based capital ratio | 11.5364% | 4,839 |
| Total risk-based capital ratio | 12.4162% | 4,943 |
| Memoranda: | ||
| Average total assets | $2,414,015,000 | 367 |
| Average earning assets | $2,250,375,000 | 361 |
| Average equity | $234,599,000 | 402 |
| Average total loans | $1,976,533,000 | 331 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,273 |
| Cost of funding earning assets | 0.6539% | 1,276 |
| Net interest margin | 4.0114% | 1,714 |
| Noninterest income to average assets | 2.0337% | 294 |
| Noninterest expense to average assets | 4.1520% | 447 |
| Loan and lease loss provision to assets | 0.0852% | 2,498 |
| Net operating income to assets | 0.6876% | 3,651 |
| Return on assets (ROA) | 0.6878% | 3,703 |
| Pretax return on assets | 1.5403% | 1,487 |
| Return on Equity (ROE) | 7.0772% | 3,234 |
| Retained earnings to average equity (ytd only) | 5.7621% | 1,678 |
| Net charge-offs to loans | 0.1973% | 1,297 |
| Credit loss provision to net charge-offs | 53.9374% | 3,283 |
| Earnings coverage of net charge-offs (x) | 10.2883% | 2,695 |
| Efficiency ratio | 71.8692% | 2,246 |
| Assets per employee ($millions) | 4.9926% | 2,484 |
| Cash dividends to net income (ytd only)* | 18.5816% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9227% | 4,359 |
| Loan loss allowance to noncurrent loans | 35.1021% | 4,772 |
| Noncurrent assets plus other real estate owned to assets | 2.5018% | 377 |
| Noncurrent loans to loans | 2.6286% | 492 |
| Net loans and leases to total assets | 81.7547% | 714 |
| Net loans and leases to deposits | 102.1858% | 591 |
| Net loans and leases to core deposits | 116.1792% | 713 |
| Total domestic deposits to total assets | 80.0059% | 4,336 |
| Equity capital to assets | 9.6777% | 4,060 |
| Core capital (leverage) ratio | 10.0231% | 3,427 |
| Tier 1 risk-based capital ratio | 11.2870% | 4,992 |
| Total risk-based capital ratio | 12.1793% | 5,070 |
| Memoranda: | ||
| Average total assets | $2,347,396,600 | 364 |
| Average earning assets | $2,190,563,000 | 353 |
| Average equity | $228,127,400 | 397 |
| Average total loans | $1,879,434,400 | 327 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5963% | 1,378 |
| Cost of funding earning assets | 0.6467% | 1,260 |
| Net interest margin | 3.9496% | 1,861 |
| Noninterest income to average assets | 2.1444% | 285 |
| Noninterest expense to average assets | 4.2474% | 389 |
| Loan and lease loss provision to assets | 0.0856% | 2,382 |
| Net operating income to assets | 0.9628% | 2,715 |
| Return on assets (ROA) | 0.9628% | 2,773 |
| Pretax return on assets | 1.4944% | 1,786 |
| Return on Equity (ROE) | 9.8968% | 2,179 |
| Retained earnings to average equity (ytd only) | 8.7224% | 936 |
| Net charge-offs to loans | 0.1446% | 1,381 |
| Credit loss provision to net charge-offs | 74.4903% | 2,651 |
| Earnings coverage of net charge-offs (x) | 13.7523% | 2,339 |
| Efficiency ratio | 72.8873% | 2,058 |
| Assets per employee ($millions) | 4.7611% | 2,743 |
| Cash dividends to net income (ytd only)* | 11.8666% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0185% | 3,965 |
| Loan loss allowance to noncurrent loans | 40.2085% | 4,757 |
| Noncurrent assets plus other real estate owned to assets | 2.4705% | 439 |
| Noncurrent loans to loans | 2.5330% | 595 |
| Net loans and leases to total assets | 81.1464% | 817 |
| Net loans and leases to deposits | 101.7634% | 632 |
| Net loans and leases to core deposits | 114.0610% | 836 |
| Total domestic deposits to total assets | 79.7402% | 4,382 |
| Equity capital to assets | 10.0630% | 3,840 |
| Core capital (leverage) ratio | 10.2580% | 3,247 |
| Tier 1 risk-based capital ratio | 11.5692% | 4,912 |
| Total risk-based capital ratio | 12.5426% | 4,974 |
| Memoranda: | ||
| Average total assets | $2,333,883,000 | 363 |
| Average earning assets | $2,176,270,000 | 355 |
| Average equity | $227,058,000 | 402 |
| Average total loans | $1,853,897,500 | 330 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5357% | 1,423 |
| Cost of funding earning assets | 0.6455% | 1,170 |
| Net interest margin | 3.8902% | 1,966 |
| Noninterest income to average assets | 2.2042% | 277 |
| Noninterest expense to average assets | 4.3535% | 351 |
| Loan and lease loss provision to assets | 0.0855% | 2,277 |
| Net operating income to assets | 0.9015% | 2,906 |
| Return on assets (ROA) | 0.9015% | 2,959 |
| Pretax return on assets | 1.3965% | 2,036 |
| Return on Equity (ROE) | 9.3733% | 2,322 |
| Retained earnings to average equity (ytd only) | 9.3733% | 737 |
| Net charge-offs to loans | 0.1257% | 1,406 |
| Credit loss provision to net charge-offs | 86.5568% | 2,184 |
| Earnings coverage of net charge-offs (x) | 15.0009% | 2,043 |
| Efficiency ratio | 74.6043% | 1,910 |
| Assets per employee ($millions) | 4.7547% | 2,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 3,814 |
| Loan loss allowance to noncurrent loans | 39.3412% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.5697% | 407 |
| Noncurrent loans to loans | 2.6869% | 524 |
| Net loans and leases to total assets | 80.3529% | 895 |
| Net loans and leases to deposits | 98.1287% | 885 |
| Net loans and leases to core deposits | 111.8970% | 909 |
| Total domestic deposits to total assets | 81.8852% | 3,919 |
| Equity capital to assets | 9.9762% | 3,939 |
| Core capital (leverage) ratio | 9.9106% | 3,644 |
| Tier 1 risk-based capital ratio | 11.4612% | 4,982 |
| Total risk-based capital ratio | 12.4726% | 5,020 |
| Memoranda: | ||
| Average total assets | $2,334,198,000 | 363 |
| Average earning assets | $2,178,832,670 | 355 |
| Average equity | $224,489,330 | 405 |
| Average total loans | $1,834,338,670 | 337 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3857% | 1,690 |
| Cost of funding earning assets | 0.6408% | 1,128 |
| Net interest margin | 3.7449% | 2,328 |
| Noninterest income to average assets | 1.9619% | 322 |
| Noninterest expense to average assets | 4.3011% | 383 |
| Loan and lease loss provision to assets | 0.0853% | 2,111 |
| Net operating income to assets | 0.7068% | 3,675 |
| Return on assets (ROA) | 0.7068% | 3,715 |
| Pretax return on assets | 1.0889% | 3,030 |
| Return on Equity (ROE) | 7.4864% | 3,173 |
| Retained earnings to average equity (ytd only) | 7.4864% | 1,660 |
| Net charge-offs to loans | 0.1191% | 1,216 |
| Credit loss provision to net charge-offs | 92.5926% | 1,679 |
| Earnings coverage of net charge-offs (x) | 12.7519% | 1,828 |
| Efficiency ratio | 78.5556% | 1,556 |
| Assets per employee ($millions) | 5.0032% | 2,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0901% | 3,767 |
| Loan loss allowance to noncurrent loans | 39.1792% | 4,877 |
| Noncurrent assets plus other real estate owned to assets | 2.6958% | 400 |
| Noncurrent loans to loans | 2.7824% | 523 |
| Net loans and leases to total assets | 78.8305% | 1,010 |
| Net loans and leases to deposits | 90.7606% | 1,455 |
| Net loans and leases to core deposits | 103.2700% | 1,274 |
| Total domestic deposits to total assets | 86.8555% | 2,284 |
| Equity capital to assets | 9.7346% | 4,031 |
| Core capital (leverage) ratio | 9.2388% | 4,421 |
| Tier 1 risk-based capital ratio | 11.2490% | 5,171 |
| Total risk-based capital ratio | 12.2943% | 5,190 |
| Memoranda: | ||
| Average total assets | $2,345,905,500 | 365 |
| Average earning assets | $2,200,866,500 | 358 |
| Average equity | $221,469,500 | 410 |
| Average total loans | $1,813,199,500 | 340 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3743% | 1,900 |
| Cost of funding earning assets | 0.6632% | 989 |
| Net interest margin | 3.7112% | 2,648 |
| Noninterest income to average assets | 1.9963% | 343 |
| Noninterest expense to average assets | 4.4107% | 411 |
| Loan and lease loss provision to assets | 0.8571% | 132 |
| Net operating income to assets | 0.1493% | 5,497 |
| Return on assets (ROA) | 0.1540% | 5,531 |
| Pretax return on assets | 0.2022% | 5,494 |
| Return on Equity (ROE) | 1.6087% | 5,471 |
| Retained earnings to average equity (ytd only) | 1.6087% | 4,614 |
| Net charge-offs to loans | 1.1531% | 153 |
| Credit loss provision to net charge-offs | 90.1754% | 2,792 |
| Earnings coverage of net charge-offs (x) | 1.1080% | 4,040 |
| Efficiency ratio | 80.7248% | 1,337 |
| Assets per employee ($millions) | 4.5451% | 3,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1130% | 3,633 |
| Loan loss allowance to noncurrent loans | 34.7868% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.9652% | 347 |
| Noncurrent loans to loans | 3.1996% | 398 |
| Net loans and leases to total assets | 74.1530% | 1,828 |
| Net loans and leases to deposits | 84.6149% | 2,348 |
| Net loans and leases to core deposits | 96.7534% | 1,858 |
| Total domestic deposits to total assets | 87.6359% | 1,818 |
| Equity capital to assets | 9.1673% | 4,621 |
| Core capital (leverage) ratio | 8.6676% | 5,108 |
| Tier 1 risk-based capital ratio | 11.0766% | 5,299 |
| Total risk-based capital ratio | 12.1382% | 5,290 |
| Memoranda: | ||
| Average total assets | $2,333,327,000 | 356 |
| Average earning assets | $2,180,153,400 | 349 |
| Average equity | $223,406,200 | 397 |
| Average total loans | $1,923,373,200 | 314 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4174% | 1,806 |
| Cost of funding earning assets | 0.6504% | 1,055 |
| Net interest margin | 3.7670% | 2,463 |
| Noninterest income to average assets | 2.3623% | 281 |
| Noninterest expense to average assets | 4.4943% | 384 |
| Loan and lease loss provision to assets | 0.1726% | 1,308 |
| Net operating income to assets | 0.7718% | 3,500 |
| Return on assets (ROA) | 0.7739% | 3,633 |
| Pretax return on assets | 1.2147% | 2,779 |
| Return on Equity (ROE) | 7.9952% | 3,008 |
| Retained earnings to average equity (ytd only) | 7.9952% | 1,175 |
| Net charge-offs to loans | 0.4055% | 529 |
| Credit loss provision to net charge-offs | 50.4456% | 3,027 |
| Earnings coverage of net charge-offs (x) | 4.0457% | 3,322 |
| Efficiency ratio | 76.4556% | 1,910 |
| Assets per employee ($millions) | 4.6980% | 2,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9498% | 4,666 |
| Loan loss allowance to noncurrent loans | 27.3095% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 3.9167% | 220 |
| Noncurrent loans to loans | 3.4778% | 376 |
| Net loans and leases to total assets | 83.5132% | 457 |
| Net loans and leases to deposits | 97.9115% | 860 |
| Net loans and leases to core deposits | 112.5398% | 780 |
| Total domestic deposits to total assets | 85.2946% | 2,677 |
| Equity capital to assets | 9.6405% | 4,525 |
| Core capital (leverage) ratio | 9.4513% | 4,249 |
| Tier 1 risk-based capital ratio | 10.5687% | 5,589 |
| Total risk-based capital ratio | 11.4716% | 5,667 |
| Memoranda: | ||
| Average total assets | $2,317,844,500 | 359 |
| Average earning assets | $2,163,434,000 | 350 |
| Average equity | $224,362,500 | 394 |
| Average total loans | $1,955,179,750 | 308 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3648% | 1,928 |
| Cost of funding earning assets | 0.6341% | 1,121 |
| Net interest margin | 3.7307% | 2,579 |
| Noninterest income to average assets | 2.4123% | 266 |
| Noninterest expense to average assets | 4.4139% | 413 |
| Loan and lease loss provision to assets | 0.1747% | 1,260 |
| Net operating income to assets | 0.8318% | 3,166 |
| Return on assets (ROA) | 0.8350% | 3,289 |
| Pretax return on assets | 1.3109% | 2,362 |
| Return on Equity (ROE) | 8.6142% | 2,687 |
| Retained earnings to average equity (ytd only) | 8.6142% | 968 |
| Net charge-offs to loans | 0.5370% | 394 |
| Credit loss provision to net charge-offs | 38.5505% | 2,785 |
| Earnings coverage of net charge-offs (x) | 3.2679% | 3,137 |
| Efficiency ratio | 74.8826% | 2,234 |
| Assets per employee ($millions) | 4.6286% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 4,820 |
| Loan loss allowance to noncurrent loans | 30.0070% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 3.8059% | 258 |
| Noncurrent loans to loans | 3.1149% | 462 |
| Net loans and leases to total assets | 84.5680% | 378 |
| Net loans and leases to deposits | 103.0508% | 510 |
| Net loans and leases to core deposits | 118.8794% | 542 |
| Total domestic deposits to total assets | 82.0643% | 3,980 |
| Equity capital to assets | 9.5553% | 4,709 |
| Core capital (leverage) ratio | 9.6324% | 4,023 |
| Tier 1 risk-based capital ratio | 10.4972% | 5,674 |
| Total risk-based capital ratio | 11.4068% | 5,745 |
| Memoranda: | ||
| Average total assets | $2,290,240,000 | 360 |
| Average earning assets | $2,137,681,000 | 353 |
| Average equity | $222,004,670 | 400 |
| Average total loans | $1,932,209,670 | 309 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3498% | 1,964 |
| Cost of funding earning assets | 0.6328% | 1,138 |
| Net interest margin | 3.7169% | 2,604 |
| Noninterest income to average assets | 2.0937% | 320 |
| Noninterest expense to average assets | 4.1618% | 517 |
| Loan and lease loss provision to assets | 0.1779% | 1,141 |
| Net operating income to assets | 0.7750% | 3,375 |
| Return on assets (ROA) | 0.7814% | 3,448 |
| Pretax return on assets | 1.2359% | 2,555 |
| Return on Equity (ROE) | 8.0112% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.0112% | 1,450 |
| Net charge-offs to loans | 0.2361% | 866 |
| Credit loss provision to net charge-offs | 89.8473% | 1,765 |
| Earnings coverage of net charge-offs (x) | 7.0898% | 2,173 |
| Efficiency ratio | 74.7787% | 2,357 |
| Assets per employee ($millions) | 4.5106% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 3,720 |
| Loan loss allowance to noncurrent loans | 28.2610% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 4.0999% | 240 |
| Noncurrent loans to loans | 4.1000% | 289 |
| Net loans and leases to total assets | 83.0988% | 448 |
| Net loans and leases to deposits | 99.6379% | 648 |
| Net loans and leases to core deposits | 115.4322% | 614 |
| Total domestic deposits to total assets | 83.4008% | 3,752 |
| Equity capital to assets | 9.7977% | 4,345 |
| Core capital (leverage) ratio | 9.6299% | 4,000 |
| Tier 1 risk-based capital ratio | 10.8770% | 5,566 |
| Total risk-based capital ratio | 12.0091% | 5,539 |
| Memoranda: | ||
| Average total assets | $2,248,650,000 | 362 |
| Average earning assets | $2,100,348,000 | 356 |
| Average equity | $219,342,500 | 401 |
| Average total loans | $1,885,683,000 | 310 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 1,641 |
| Cost of funding earning assets | 0.6187% | 1,244 |
| Net interest margin | 3.8674% | 2,138 |
| Noninterest income to average assets | 2.5069% | 266 |
| Noninterest expense to average assets | 4.8713% | 311 |
| Loan and lease loss provision to assets | 0.2176% | 952 |
| Net operating income to assets | 0.6379% | 4,100 |
| Return on assets (ROA) | 0.6380% | 4,181 |
| Pretax return on assets | 1.0172% | 3,393 |
| Return on Equity (ROE) | 6.2495% | 3,928 |
| Retained earnings to average equity (ytd only) | 6.2495% | 1,676 |
| Net charge-offs to loans | 0.2267% | 1,309 |
| Credit loss provision to net charge-offs | 114.2712% | 2,227 |
| Earnings coverage of net charge-offs (x) | 6.4845% | 3,216 |
| Efficiency ratio | 79.7786% | 1,706 |
| Assets per employee ($millions) | 4.3869% | 3,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1871% | 3,555 |
| Loan loss allowance to noncurrent loans | 28.8948% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 4.1003% | 254 |
| Noncurrent loans to loans | 4.1083% | 289 |
| Net loans and leases to total assets | 82.6481% | 528 |
| Net loans and leases to deposits | 98.9552% | 751 |
| Net loans and leases to core deposits | 112.8876% | 729 |
| Total domestic deposits to total assets | 83.5207% | 3,659 |
| Equity capital to assets | 9.7105% | 4,286 |
| Core capital (leverage) ratio | 9.3993% | 4,322 |
| Tier 1 risk-based capital ratio | 10.8538% | 5,597 |
| Total risk-based capital ratio | 12.0210% | 5,553 |
| Memoranda: | ||
| Average total assets | $2,068,147,400 | 373 |
| Average earning assets | $1,924,701,200 | 365 |
| Average equity | $211,119,600 | 397 |
| Average total loans | $1,736,746,800 | 313 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4510% | 1,751 |
| Cost of funding earning assets | 0.6123% | 1,331 |
| Net interest margin | 3.8388% | 2,239 |
| Noninterest income to average assets | 2.7271% | 239 |
| Noninterest expense to average assets | 4.9526% | 288 |
| Loan and lease loss provision to assets | 0.1809% | 1,150 |
| Net operating income to assets | 0.7418% | 3,721 |
| Return on assets (ROA) | 0.7418% | 3,815 |
| Pretax return on assets | 1.1605% | 2,971 |
| Return on Equity (ROE) | 7.1704% | 3,533 |
| Retained earnings to average equity (ytd only) | 7.1704% | 1,614 |
| Net charge-offs to loans | 0.2411% | 1,082 |
| Credit loss provision to net charge-offs | 89.2278% | 2,481 |
| Earnings coverage of net charge-offs (x) | 6.6171% | 3,025 |
| Efficiency ratio | 78.6865% | 1,859 |
| Assets per employee ($millions) | 4.3834% | 3,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1650% | 3,843 |
| Loan loss allowance to noncurrent loans | 29.8511% | 5,438 |
| Noncurrent assets plus other real estate owned to assets | 3.7789% | 322 |
| Noncurrent loans to loans | 3.9025% | 343 |
| Net loans and leases to total assets | 81.7094% | 613 |
| Net loans and leases to deposits | 97.8151% | 829 |
| Net loans and leases to core deposits | 111.4027% | 794 |
| Total domestic deposits to total assets | 83.5345% | 3,598 |
| Equity capital to assets | 9.7621% | 4,430 |
| Core capital (leverage) ratio | 9.7762% | 3,928 |
| Tier 1 risk-based capital ratio | 10.8567% | 5,729 |
| Total risk-based capital ratio | 11.9988% | 5,717 |
| Memoranda: | ||
| Average total assets | $2,026,945,000 | 382 |
| Average earning assets | $1,883,476,250 | 372 |
| Average equity | $209,691,500 | 402 |
| Average total loans | $1,704,016,750 | 321 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4145% | 1,809 |
| Cost of funding earning assets | 0.6021% | 1,397 |
| Net interest margin | 3.8124% | 2,262 |
| Noninterest income to average assets | 2.6830% | 248 |
| Noninterest expense to average assets | 4.9249% | 301 |
| Loan and lease loss provision to assets | 0.2034% | 959 |
| Net operating income to assets | 0.7015% | 3,883 |
| Return on assets (ROA) | 0.7015% | 4,003 |
| Pretax return on assets | 1.0878% | 3,229 |
| Return on Equity (ROE) | 6.6404% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.6404% | 1,879 |
| Net charge-offs to loans | 0.3648% | 712 |
| Credit loss provision to net charge-offs | 65.9196% | 2,525 |
| Earnings coverage of net charge-offs (x) | 4.1839% | 3,080 |
| Efficiency ratio | 79.2276% | 1,878 |
| Assets per employee ($millions) | 4.1726% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1647% | 4,002 |
| Loan loss allowance to noncurrent loans | 30.2387% | 5,496 |
| Noncurrent assets plus other real estate owned to assets | 3.8812% | 348 |
| Noncurrent loans to loans | 3.8517% | 418 |
| Net loans and leases to total assets | 84.1911% | 361 |
| Net loans and leases to deposits | 100.9764% | 594 |
| Net loans and leases to core deposits | 115.3915% | 612 |
| Total domestic deposits to total assets | 83.3771% | 3,805 |
| Equity capital to assets | 10.1657% | 3,842 |
| Core capital (leverage) ratio | 9.7787% | 3,894 |
| Tier 1 risk-based capital ratio | 10.8676% | 5,775 |
| Total risk-based capital ratio | 12.0218% | 5,755 |
| Memoranda: | ||
| Average total assets | $1,966,183,670 | 387 |
| Average earning assets | $1,822,164,000 | 384 |
| Average equity | $207,699,330 | 407 |
| Average total loans | $1,663,214,330 | 331 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4045% | 1,754 |
| Cost of funding earning assets | 0.5851% | 1,541 |
| Net interest margin | 3.8194% | 2,167 |
| Noninterest income to average assets | 2.4922% | 276 |
| Noninterest expense to average assets | 4.7995% | 346 |
| Loan and lease loss provision to assets | 0.2092% | 858 |
| Net operating income to assets | 0.6541% | 4,029 |
| Return on assets (ROA) | 0.6541% | 4,149 |
| Pretax return on assets | 1.0142% | 3,439 |
| Return on Equity (ROE) | 6.0677% | 3,996 |
| Retained earnings to average equity (ytd only) | 6.0677% | 2,451 |
| Net charge-offs to loans | 0.3420% | 716 |
| Credit loss provision to net charge-offs | 72.5689% | 1,894 |
| Earnings coverage of net charge-offs (x) | 4.2446% | 2,517 |
| Efficiency ratio | 79.6874% | 1,934 |
| Assets per employee ($millions) | 3.9503% | 4,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2888% | 3,462 |
| Loan loss allowance to noncurrent loans | 29.1679% | 5,561 |
| Noncurrent assets plus other real estate owned to assets | 4.1982% | 347 |
| Noncurrent loans to loans | 4.4186% | 360 |
| Net loans and leases to total assets | 82.9920% | 375 |
| Net loans and leases to deposits | 98.9416% | 626 |
| Net loans and leases to core deposits | 113.4795% | 594 |
| Total domestic deposits to total assets | 83.8798% | 3,857 |
| Equity capital to assets | 10.6100% | 3,413 |
| Core capital (leverage) ratio | 10.1592% | 3,388 |
| Tier 1 risk-based capital ratio | 11.0823% | 5,766 |
| Total risk-based capital ratio | 12.3323% | 5,685 |
| Memoranda: | ||
| Average total assets | $1,912,378,500 | 398 |
| Average earning assets | $1,767,826,000 | 391 |
| Average equity | $206,141,500 | 409 |
| Average total loans | $1,611,558,500 | 335 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5850% | 1,605 |
| Cost of funding earning assets | 0.5701% | 2,044 |
| Net interest margin | 4.0149% | 1,858 |
| Noninterest income to average assets | 2.1018% | 316 |
| Noninterest expense to average assets | 4.6310% | 413 |
| Loan and lease loss provision to assets | 0.3628% | 516 |
| Net operating income to assets | 0.5170% | 4,745 |
| Return on assets (ROA) | 0.5169% | 4,829 |
| Pretax return on assets | 0.8031% | 4,247 |
| Return on Equity (ROE) | 4.8681% | 4,727 |
| Retained earnings to average equity (ytd only) | 4.8681% | 2,701 |
| Net charge-offs to loans | 0.4243% | 999 |
| Credit loss provision to net charge-offs | 103.1419% | 2,318 |
| Earnings coverage of net charge-offs (x) | 3.3151% | 3,918 |
| Efficiency ratio | 79.8862% | 1,949 |
| Assets per employee ($millions) | 3.8945% | 4,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 3,080 |
| Loan loss allowance to noncurrent loans | 26.2172% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 4.8172% | 298 |
| Noncurrent loans to loans | 5.2306% | 267 |
| Net loans and leases to total assets | 83.3134% | 398 |
| Net loans and leases to deposits | 100.4467% | 600 |
| Net loans and leases to core deposits | 115.9851% | 529 |
| Total domestic deposits to total assets | 82.9429% | 4,101 |
| Equity capital to assets | 10.9877% | 2,909 |
| Core capital (leverage) ratio | 9.5480% | 4,175 |
| Tier 1 risk-based capital ratio | 10.8457% | 5,969 |
| Total risk-based capital ratio | 12.0971% | 5,898 |
| Memoranda: | ||
| Average total assets | $1,791,763,200 | 404 |
| Average earning assets | $1,649,084,000 | 393 |
| Average equity | $190,258,200 | 420 |
| Average total loans | $1,485,284,200 | 335 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5936% | 1,579 |
| Cost of funding earning assets | 0.5654% | 2,144 |
| Net interest margin | 4.0283% | 1,794 |
| Noninterest income to average assets | 2.1680% | 303 |
| Noninterest expense to average assets | 4.7176% | 380 |
| Loan and lease loss provision to assets | 0.4135% | 401 |
| Net operating income to assets | 0.4772% | 4,958 |
| Return on assets (ROA) | 0.4771% | 5,039 |
| Pretax return on assets | 0.7428% | 4,550 |
| Return on Equity (ROE) | 4.5348% | 4,947 |
| Retained earnings to average equity (ytd only) | 4.5348% | 3,418 |
| Net charge-offs to loans | 0.4479% | 881 |
| Credit loss provision to net charge-offs | 111.9251% | 2,019 |
| Earnings coverage of net charge-offs (x) | 3.1300% | 3,731 |
| Efficiency ratio | 80.3128% | 1,868 |
| Assets per employee ($millions) | 3.8425% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4439% | 2,973 |
| Loan loss allowance to noncurrent loans | 26.2256% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 5.0063% | 343 |
| Noncurrent loans to loans | 5.5058% | 287 |
| Net loans and leases to total assets | 82.0874% | 497 |
| Net loans and leases to deposits | 99.0657% | 665 |
| Net loans and leases to core deposits | 112.4305% | 641 |
| Total domestic deposits to total assets | 82.8616% | 4,191 |
| Equity capital to assets | 11.0201% | 2,938 |
| Core capital (leverage) ratio | 9.3423% | 4,580 |
| Tier 1 risk-based capital ratio | 10.9049% | 6,041 |
| Total risk-based capital ratio | 12.1573% | 5,988 |
| Memoranda: | ||
| Average total assets | $1,773,340,500 | 406 |
| Average earning assets | $1,631,499,000 | 397 |
| Average equity | $186,580,250 | 423 |
| Average total loans | $1,462,659,750 | 335 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6314% | 1,445 |
| Cost of funding earning assets | 0.5629% | 2,233 |
| Net interest margin | 4.0685% | 1,611 |
| Noninterest income to average assets | 2.3079% | 275 |
| Noninterest expense to average assets | 4.9717% | 320 |
| Loan and lease loss provision to assets | 0.4559% | 349 |
| Net operating income to assets | 0.3954% | 5,240 |
| Return on assets (ROA) | 0.3954% | 5,309 |
| Pretax return on assets | 0.6192% | 4,896 |
| Return on Equity (ROE) | 3.8208% | 5,222 |
| Retained earnings to average equity (ytd only) | 3.8208% | 3,749 |
| Net charge-offs to loans | 0.4511% | 900 |
| Credit loss provision to net charge-offs | 122.9634% | 1,690 |
| Earnings coverage of net charge-offs (x) | 2.8998% | 3,439 |
| Efficiency ratio | 82.2200% | 1,715 |
| Assets per employee ($millions) | 3.6446% | 4,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4905% | 2,948 |
| Loan loss allowance to noncurrent loans | 24.8854% | 5,905 |
| Noncurrent assets plus other real estate owned to assets | 5.2277% | 330 |
| Noncurrent loans to loans | 5.9896% | 260 |
| Net loans and leases to total assets | 80.3618% | 646 |
| Net loans and leases to deposits | 94.5176% | 922 |
| Net loans and leases to core deposits | 108.2982% | 756 |
| Total domestic deposits to total assets | 85.0231% | 3,489 |
| Equity capital to assets | 10.9095% | 2,969 |
| Core capital (leverage) ratio | 9.0402% | 4,960 |
| Tier 1 risk-based capital ratio | 10.8410% | 6,115 |
| Total risk-based capital ratio | 12.0938% | 6,062 |
| Memoranda: | ||
| Average total assets | $1,754,769,670 | 405 |
| Average earning assets | $1,612,634,000 | 401 |
| Average equity | $181,586,000 | 432 |
| Average total loans | $1,442,406,670 | 331 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5227% | 1,733 |
| Cost of funding earning assets | 0.5518% | 2,406 |
| Net interest margin | 3.9709% | 1,853 |
| Noninterest income to average assets | 1.8926% | 369 |
| Noninterest expense to average assets | 4.8311% | 348 |
| Loan and lease loss provision to assets | 0.4648% | 333 |
| Net operating income to assets | 0.1508% | 5,924 |
| Return on assets (ROA) | 0.1508% | 5,958 |
| Pretax return on assets | 0.2443% | 5,845 |
| Return on Equity (ROE) | 1.5008% | 5,927 |
| Retained earnings to average equity (ytd only) | 1.5008% | 5,009 |
| Net charge-offs to loans | 0.4650% | 778 |
| Credit loss provision to net charge-offs | 121.1387% | 1,448 |
| Earnings coverage of net charge-offs (x) | 1.8480% | 3,008 |
| Efficiency ratio | 87.2006% | 1,320 |
| Assets per employee ($millions) | 3.4592% | 5,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4971% | 3,155 |
| Loan loss allowance to noncurrent loans | 22.2796% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 5.8476% | 299 |
| Noncurrent loans to loans | 6.7195% | 241 |
| Net loans and leases to total assets | 81.6364% | 382 |
| Net loans and leases to deposits | 93.9859% | 794 |
| Net loans and leases to core deposits | 107.5362% | 692 |
| Total domestic deposits to total assets | 86.8603% | 2,905 |
| Equity capital to assets | 9.8956% | 3,965 |
| Core capital (leverage) ratio | 8.1248% | 6,015 |
| Tier 1 risk-based capital ratio | 9.4241% | 6,559 |
| Total risk-based capital ratio | 10.6773% | 6,547 |
| Memoranda: | ||
| Average total assets | $1,721,016,500 | 411 |
| Average earning assets | $1,580,906,500 | 405 |
| Average equity | $172,978,000 | 447 |
| Average total loans | $1,420,324,500 | 333 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2198% | 3,270 |
| Cost of funding earning assets | 0.5845% | 2,792 |
| Net interest margin | 3.6353% | 3,307 |
| Noninterest income to average assets | 2.5606% | 269 |
| Noninterest expense to average assets | 5.7774% | 222 |
| Loan and lease loss provision to assets | 0.3764% | 820 |
| Net operating income to assets | -0.1699% | 6,349 |
| Return on assets (ROA) | -0.1699% | 6,361 |
| Pretax return on assets | -0.2800% | 6,403 |
| Return on Equity (ROE) | -1.6428% | 6,362 |
| Retained earnings to average equity (ytd only) | -1.6428% | 6,141 |
| Net charge-offs to loans | 0.8273% | 747 |
| Credit loss provision to net charge-offs | 57.2628% | 3,646 |
| Earnings coverage of net charge-offs (x) | 0.1466% | 5,034 |
| Efficiency ratio | 98.3595% | 533 |
| Assets per employee ($millions) | 3.3364% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5435% | 2,989 |
| Loan loss allowance to noncurrent loans | 20.1869% | 6,171 |
| Noncurrent assets plus other real estate owned to assets | 6.5841% | 272 |
| Noncurrent loans to loans | 7.6462% | 208 |
| Net loans and leases to total assets | 80.8975% | 503 |
| Net loans and leases to deposits | 97.0239% | 666 |
| Net loans and leases to core deposits | 112.1370% | 535 |
| Total domestic deposits to total assets | 83.3789% | 4,403 |
| Equity capital to assets | 10.2123% | 3,492 |
| Core capital (leverage) ratio | 8.1300% | 6,032 |
| Tier 1 risk-based capital ratio | 9.6690% | 6,580 |
| Total risk-based capital ratio | 10.9226% | 6,561 |
| Memoranda: | ||
| Average total assets | $1,594,030,000 | 436 |
| Average earning assets | $1,452,803,200 | 427 |
| Average equity | $164,842,000 | 454 |
| Average total loans | $1,266,539,200 | 353 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1310% | 3,635 |
| Cost of funding earning assets | 0.5907% | 2,890 |
| Net interest margin | 3.5403% | 3,712 |
| Noninterest income to average assets | 2.6190% | 278 |
| Noninterest expense to average assets | 5.9956% | 204 |
| Loan and lease loss provision to assets | 0.3990% | 759 |
| Net operating income to assets | -0.3348% | 6,543 |
| Return on assets (ROA) | -0.3349% | 6,555 |
| Pretax return on assets | -0.5534% | 6,617 |
| Return on Equity (ROE) | -3.2279% | 6,532 |
| Retained earnings to average equity (ytd only) | -3.2279% | 6,374 |
| Net charge-offs to loans | 0.4154% | 1,548 |
| Credit loss provision to net charge-offs | 122.0145% | 1,930 |
| Earnings coverage of net charge-offs (x) | -0.4712% | 4,948 |
| Efficiency ratio | 102.6379% | 386 |
| Assets per employee ($millions) | 3.3315% | 5,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0238% | 1,668 |
| Loan loss allowance to noncurrent loans | 23.1055% | 6,183 |
| Noncurrent assets plus other real estate owned to assets | 7.1516% | 275 |
| Noncurrent loans to loans | 8.7588% | 189 |
| Net loans and leases to total assets | 76.0344% | 999 |
| Net loans and leases to deposits | 87.8777% | 1,375 |
| Net loans and leases to core deposits | 99.2227% | 1,165 |
| Total domestic deposits to total assets | 86.5230% | 2,954 |
| Equity capital to assets | 10.1075% | 3,760 |
| Core capital (leverage) ratio | 8.0929% | 6,157 |
| Tier 1 risk-based capital ratio | 9.8848% | 6,621 |
| Total risk-based capital ratio | 11.1445% | 6,586 |
| Memoranda: | ||
| Average total assets | $1,570,479,500 | 440 |
| Average earning assets | $1,429,496,500 | 435 |
| Average equity | $162,950,750 | 464 |
| Average total loans | $1,236,386,750 | 361 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 3,941 |
| Cost of funding earning assets | 0.6159% | 2,797 |
| Net interest margin | 3.4290% | 4,078 |
| Noninterest income to average assets | 2.5587% | 310 |
| Noninterest expense to average assets | 6.3501% | 180 |
| Loan and lease loss provision to assets | 0.4455% | 655 |
| Net operating income to assets | -0.6810% | 6,688 |
| Return on assets (ROA) | -0.6810% | 6,701 |
| Pretax return on assets | -1.1220% | 6,756 |
| Return on Equity (ROE) | -6.5011% | 6,674 |
| Retained earnings to average equity (ytd only) | -6.5011% | 6,544 |
| Net charge-offs to loans | 0.4307% | 1,503 |
| Credit loss provision to net charge-offs | 130.6687% | 1,736 |
| Earnings coverage of net charge-offs (x) | -1.9846% | 4,766 |
| Efficiency ratio | 111.9253% | 255 |
| Assets per employee ($millions) | 3.2921% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0357% | 1,777 |
| Loan loss allowance to noncurrent loans | 20.3212% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 8.5097% | 218 |
| Noncurrent loans to loans | 10.0177% | 157 |
| Net loans and leases to total assets | 79.2879% | 606 |
| Net loans and leases to deposits | 94.1915% | 798 |
| Net loans and leases to core deposits | 107.0786% | 685 |
| Total domestic deposits to total assets | 84.1773% | 4,250 |
| Equity capital to assets | 10.5589% | 3,229 |
| Core capital (leverage) ratio | 8.3219% | 5,859 |
| Tier 1 risk-based capital ratio | 9.7131% | 6,691 |
| Total risk-based capital ratio | 10.9733% | 6,671 |
| Memoranda: | ||
| Average total assets | $1,526,503,670 | 451 |
| Average earning assets | $1,386,629,670 | 443 |
| Average equity | $159,911,000 | 472 |
| Average total loans | $1,208,131,670 | 365 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 4,101 |
| Cost of funding earning assets | 0.6370% | 2,768 |
| Net interest margin | 3.3678% | 4,243 |
| Noninterest income to average assets | 1.0339% | 1,385 |
| Noninterest expense to average assets | 6.4348% | 179 |
| Loan and lease loss provision to assets | 0.5676% | 459 |
| Net operating income to assets | -1.7718% | 6,908 |
| Return on assets (ROA) | -1.7718% | 6,910 |
| Pretax return on assets | -2.9121% | 6,960 |
| Return on Equity (ROE) | -16.9869% | 6,881 |
| Retained earnings to average equity (ytd only) | -16.9869% | 6,788 |
| Net charge-offs to loans | 0.5927% | 1,028 |
| Credit loss provision to net charge-offs | 122.5204% | 1,579 |
| Earnings coverage of net charge-offs (x) | -5.0607% | 4,070 |
| Efficiency ratio | 157.3184% | 77 |
| Assets per employee ($millions) | 3.3432% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2120% | 1,561 |
| Loan loss allowance to noncurrent loans | 18.0976% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 10.0954% | 186 |
| Noncurrent loans to loans | 12.2226% | 130 |
| Net loans and leases to total assets | 76.0258% | 835 |
| Net loans and leases to deposits | 88.1529% | 1,134 |
| Net loans and leases to core deposits | 100.6083% | 915 |
| Total domestic deposits to total assets | 86.2432% | 3,392 |
| Equity capital to assets | 10.7037% | 3,315 |
| Core capital (leverage) ratio | 7.7431% | 6,329 |
| Tier 1 risk-based capital ratio | 9.5260% | 6,759 |
| Total risk-based capital ratio | 10.7848% | 6,747 |
| Memoranda: | ||
| Average total assets | $1,479,891,500 | 461 |
| Average earning assets | $1,343,074,000 | 458 |
| Average equity | $154,354,000 | 489 |
| Average total loans | $1,156,730,000 | 383 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8509% | 5,706 |
| Cost of funding earning assets | 0.7019% | 3,478 |
| Net interest margin | 3.1490% | 5,696 |
| Noninterest income to average assets | 3.8753% | 190 |
| Noninterest expense to average assets | 6.9746% | 148 |
| Loan and lease loss provision to assets | 1.8652% | 126 |
| Net operating income to assets | -1.2895% | 6,820 |
| Return on assets (ROA) | -1.2488% | 6,821 |
| Pretax return on assets | -2.0667% | 6,936 |
| Return on Equity (ROE) | -11.9250% | 6,762 |
| Retained earnings to average equity (ytd only) | -11.9250% | 6,696 |
| Net charge-offs to loans | 4.9563% | 35 |
| Credit loss provision to net charge-offs | 48.5589% | 4,731 |
| Earnings coverage of net charge-offs (x) | -0.0690% | 5,521 |
| Efficiency ratio | 103.9493% | 444 |
| Assets per employee ($millions) | 2.9708% | 6,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3000% | 1,369 |
| Loan loss allowance to noncurrent loans | 15.9734% | 6,472 |
| Noncurrent assets plus other real estate owned to assets | 12.1207% | 138 |
| Noncurrent loans to loans | 14.3988% | 88 |
| Net loans and leases to total assets | 76.8007% | 820 |
| Net loans and leases to deposits | 89.8994% | 1,083 |
| Net loans and leases to core deposits | 102.6975% | 847 |
| Total domestic deposits to total assets | 85.4297% | 3,644 |
| Equity capital to assets | 10.1381% | 3,985 |
| Core capital (leverage) ratio | 7.3339% | 6,570 |
| Tier 1 risk-based capital ratio | 8.8750% | 6,862 |
| Total risk-based capital ratio | 10.1390% | 6,862 |
| Memoranda: | ||
| Average total assets | $1,328,764,800 | 499 |
| Average earning assets | $1,195,969,000 | 502 |
| Average equity | $139,153,200 | 522 |
| Average total loans | $1,029,782,400 | 416 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8427% | 5,920 |
| Cost of funding earning assets | 0.7196% | 3,598 |
| Net interest margin | 3.1231% | 5,889 |
| Noninterest income to average assets | 3.7544% | 192 |
| Noninterest expense to average assets | 6.7730% | 156 |
| Loan and lease loss provision to assets | 2.4338% | 65 |
| Net operating income to assets | -1.6017% | 6,987 |
| Return on assets (ROA) | -1.5465% | 6,987 |
| Pretax return on assets | -2.5587% | 7,084 |
| Return on Equity (ROE) | -14.6388% | 6,929 |
| Retained earnings to average equity (ytd only) | -14.6388% | 6,900 |
| Net charge-offs to loans | 4.1391% | 76 |
| Credit loss provision to net charge-offs | 76.1697% | 3,732 |
| Earnings coverage of net charge-offs (x) | -0.0661% | 5,361 |
| Efficiency ratio | 103.2203% | 439 |
| Assets per employee ($millions) | 2.9346% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1835% | 266 |
| Loan loss allowance to noncurrent loans | 24.5378% | 6,364 |
| Noncurrent assets plus other real estate owned to assets | 14.0481% | 105 |
| Noncurrent loans to loans | 17.0491% | 71 |
| Net loans and leases to total assets | 74.3884% | 1,189 |
| Net loans and leases to deposits | 87.9642% | 1,357 |
| Net loans and leases to core deposits | 102.5603% | 955 |
| Total domestic deposits to total assets | 84.5667% | 3,945 |
| Equity capital to assets | 10.2253% | 4,172 |
| Core capital (leverage) ratio | 7.2074% | 6,746 |
| Tier 1 risk-based capital ratio | 9.1713% | 6,928 |
| Total risk-based capital ratio | 10.4592% | 6,926 |
| Memoranda: | ||
| Average total assets | $1,302,974,750 | 513 |
| Average earning assets | $1,171,240,750 | 511 |
| Average equity | $137,649,000 | 527 |
| Average total loans | $1,005,823,500 | 422 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 6,190 |
| Cost of funding earning assets | 0.7438% | 3,658 |
| Net interest margin | 3.0371% | 6,155 |
| Noninterest income to average assets | 3.4728% | 209 |
| Noninterest expense to average assets | 6.4376% | 180 |
| Loan and lease loss provision to assets | 2.7820% | 73 |
| Net operating income to assets | -1.8930% | 7,061 |
| Return on assets (ROA) | -1.8470% | 7,067 |
| Pretax return on assets | -2.9473% | 7,148 |
| Return on Equity (ROE) | -17.2844% | 7,003 |
| Retained earnings to average equity (ytd only) | -17.2844% | 6,973 |
| Net charge-offs to loans | 5.3440% | 52 |
| Credit loss provision to net charge-offs | 67.5761% | 3,622 |
| Earnings coverage of net charge-offs (x) | -0.0576% | 5,112 |
| Efficiency ratio | 103.8273% | 440 |
| Assets per employee ($millions) | 2.9864% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1448% | 316 |
| Loan loss allowance to noncurrent loans | 21.8550% | 6,464 |
| Noncurrent assets plus other real estate owned to assets | 15.7364% | 85 |
| Noncurrent loans to loans | 18.9648% | 55 |
| Net loans and leases to total assets | 74.5525% | 1,164 |
| Net loans and leases to deposits | 94.0644% | 762 |
| Net loans and leases to core deposits | 111.4397% | 523 |
| Total domestic deposits to total assets | 79.2569% | 5,911 |
| Equity capital to assets | 10.6319% | 3,538 |
| Core capital (leverage) ratio | 8.0958% | 6,165 |
| Tier 1 risk-based capital ratio | 9.8356% | 6,865 |
| Total risk-based capital ratio | 11.1234% | 6,845 |
| Memoranda: | ||
| Average total assets | $1,278,520,000 | 525 |
| Average earning assets | $1,148,210,000 | 522 |
| Average equity | $136,620,330 | 528 |
| Average total loans | $984,918,670 | 428 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 6,192 |
| Cost of funding earning assets | 0.7912% | 3,539 |
| Net interest margin | 3.0366% | 6,219 |
| Noninterest income to average assets | 3.2397% | 215 |
| Noninterest expense to average assets | 6.1323% | 190 |
| Loan and lease loss provision to assets | 0.2526% | 2,430 |
| Net operating income to assets | -0.2456% | 6,672 |
| Return on assets (ROA) | -0.2204% | 6,702 |
| Pretax return on assets | -0.3667% | 6,764 |
| Return on Equity (ROE) | -2.0569% | 6,691 |
| Retained earnings to average equity (ytd only) | -2.0569% | 6,287 |
| Net charge-offs to loans | 0.6274% | 1,541 |
| Credit loss provision to net charge-offs | 52.5469% | 3,241 |
| Earnings coverage of net charge-offs (x) | -0.3190% | 4,473 |
| Efficiency ratio | 102.5653% | 483 |
| Assets per employee ($millions) | 2.7912% | 6,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1592% | 154 |
| Loan loss allowance to noncurrent loans | 22.4891% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 18.6908% | 62 |
| Noncurrent loans to loans | 22.9411% | 30 |
| Net loans and leases to total assets | 73.9633% | 1,074 |
| Net loans and leases to deposits | 91.6423% | 824 |
| Net loans and leases to core deposits | 109.2474% | 561 |
| Total domestic deposits to total assets | 80.7087% | 5,677 |
| Equity capital to assets | 10.8689% | 3,064 |
| Core capital (leverage) ratio | 8.4262% | 5,705 |
| Tier 1 risk-based capital ratio | 10.6123% | 6,708 |
| Total risk-based capital ratio | 11.9028% | 6,676 |
| Memoranda: | ||
| Average total assets | $1,241,353,500 | 537 |
| Average earning assets | $1,119,818,000 | 539 |
| Average equity | $133,013,500 | 540 |
| Average total loans | $951,279,500 | 437 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6061% | 6,930 |
| Cost of funding earning assets | 1.0672% | 2,902 |
| Net interest margin | 2.5388% | 7,035 |
| Noninterest income to average assets | 1.7969% | 445 |
| Noninterest expense to average assets | 4.8593% | 430 |
| Loan and lease loss provision to assets | 2.9335% | 131 |
| Net operating income to assets | -0.9632% | 6,726 |
| Return on assets (ROA) | -0.9648% | 6,753 |
| Pretax return on assets | -3.6810% | 7,251 |
| Return on Equity (ROE) | -11.2394% | 6,769 |
| Retained earnings to average equity (ytd only) | -11.2394% | 6,738 |
| Net charge-offs to loans | 2.3958% | 502 |
| Credit loss provision to net charge-offs | 173.0510% | 1,529 |
| Earnings coverage of net charge-offs (x) | -0.4395% | 6,055 |
| Efficiency ratio | 118.1067% | 324 |
| Assets per employee ($millions) | 2.8606% | 6,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7580% | 109 |
| Loan loss allowance to noncurrent loans | 25.5736% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 17.7863% | 77 |
| Noncurrent loans to loans | 22.5155% | 33 |
| Net loans and leases to total assets | 70.8651% | 1,852 |
| Net loans and leases to deposits | 85.5800% | 1,722 |
| Net loans and leases to core deposits | 101.9270% | 1,034 |
| Total domestic deposits to total assets | 82.8057% | 4,830 |
| Equity capital to assets | 10.5520% | 3,470 |
| Core capital (leverage) ratio | 7.8288% | 6,417 |
| Tier 1 risk-based capital ratio | 10.3741% | 6,742 |
| Total risk-based capital ratio | 11.6827% | 6,695 |
| Memoranda: | ||
| Average total assets | $1,217,511,600 | 537 |
| Average earning assets | $1,111,292,400 | 530 |
| Average equity | $104,507,800 | 658 |
| Average total loans | $861,474,800 | 488 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5696% | 7,052 |
| Cost of funding earning assets | 1.1353% | 2,733 |
| Net interest margin | 2.4343% | 7,165 |
| Noninterest income to average assets | 1.8347% | 432 |
| Noninterest expense to average assets | 4.5503% | 555 |
| Loan and lease loss provision to assets | 1.8020% | 332 |
| Net operating income to assets | 0.2128% | 5,665 |
| Return on assets (ROA) | 0.2267% | 5,762 |
| Pretax return on assets | -2.2689% | 7,175 |
| Return on Equity (ROE) | 2.7997% | 5,500 |
| Retained earnings to average equity (ytd only) | 2.7997% | 4,679 |
| Net charge-offs to loans | 0.9135% | 1,755 |
| Credit loss provision to net charge-offs | 283.1646% | 1,012 |
| Earnings coverage of net charge-offs (x) | -0.7680% | 5,895 |
| Efficiency ratio | 112.0331% | 395 |
| Assets per employee ($millions) | 3.0456% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4246% | 139 |
| Loan loss allowance to noncurrent loans | 29.9007% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 14.1467% | 154 |
| Noncurrent loans to loans | 18.1420% | 77 |
| Net loans and leases to total assets | 67.9817% | 2,492 |
| Net loans and leases to deposits | 82.6626% | 2,229 |
| Net loans and leases to core deposits | 98.1222% | 1,416 |
| Total domestic deposits to total assets | 82.2399% | 4,993 |
| Equity capital to assets | 11.4966% | 2,686 |
| Core capital (leverage) ratio | 9.6433% | 3,926 |
| Tier 1 risk-based capital ratio | 13.8655% | 4,440 |
| Total risk-based capital ratio | 15.1696% | 4,371 |
| Memoranda: | ||
| Average total assets | $1,220,807,750 | 544 |
| Average earning assets | $1,116,774,250 | 531 |
| Average equity | $98,864,500 | 698 |
| Average total loans | $850,445,750 | 495 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5227% | 7,148 |
| Cost of funding earning assets | 1.2150% | 2,477 |
| Net interest margin | 2.3077% | 7,277 |
| Noninterest income to average assets | 1.5200% | 554 |
| Noninterest expense to average assets | 4.5079% | 590 |
| Loan and lease loss provision to assets | 2.7057% | 183 |
| Net operating income to assets | 0.2160% | 5,680 |
| Return on assets (ROA) | 0.2370% | 5,724 |
| Pretax return on assets | -3.5463% | 7,366 |
| Return on Equity (ROE) | 3.4040% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.4040% | 4,093 |
| Net charge-offs to loans | 1.1564% | 1,348 |
| Credit loss provision to net charge-offs | 339.5062% | 900 |
| Earnings coverage of net charge-offs (x) | -1.0959% | 5,648 |
| Efficiency ratio | 124.0300% | 304 |
| Assets per employee ($millions) | 3.3825% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7348% | 116 |
| Loan loss allowance to noncurrent loans | 34.3568% | 6,021 |
| Noncurrent assets plus other real estate owned to assets | 11.9979% | 262 |
| Noncurrent loans to loans | 16.6918% | 105 |
| Net loans and leases to total assets | 62.6173% | 3,762 |
| Net loans and leases to deposits | 75.5244% | 3,556 |
| Net loans and leases to core deposits | 91.3317% | 2,216 |
| Total domestic deposits to total assets | 82.9100% | 4,789 |
| Equity capital to assets | 10.9852% | 2,974 |
| Core capital (leverage) ratio | 9.3800% | 4,142 |
| Tier 1 risk-based capital ratio | 14.2593% | 3,973 |
| Total risk-based capital ratio | 15.5673% | 3,903 |
| Memoranda: | ||
| Average total assets | $1,219,628,670 | 548 |
| Average earning assets | $1,117,544,000 | 534 |
| Average equity | $84,900,000 | 794 |
| Average total loans | $840,571,000 | 510 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5589% | 7,171 |
| Cost of funding earning assets | 1.3008% | 2,167 |
| Net interest margin | 2.2581% | 7,332 |
| Noninterest income to average assets | 1.7695% | 435 |
| Noninterest expense to average assets | 3.9309% | 1,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.0931% | 6,451 |
| Return on assets (ROA) | -0.0306% | 6,412 |
| Pretax return on assets | -0.0306% | 6,389 |
| Return on Equity (ROE) | -0.6372% | 6,444 |
| Retained earnings to average equity (ytd only) | -0.6372% | 5,916 |
| Net charge-offs to loans | 0.2200% | 3,206 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -0.6022% | 4,825 |
| Efficiency ratio | 102.4258% | 657 |
| Assets per employee ($millions) | 3.2641% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3848% | 317 |
| Loan loss allowance to noncurrent loans | 26.9841% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 12.5757% | 235 |
| Noncurrent loans to loans | 16.2496% | 117 |
| Net loans and leases to total assets | 67.3719% | 2,682 |
| Net loans and leases to deposits | 77.8896% | 3,076 |
| Net loans and leases to core deposits | 97.5185% | 1,560 |
| Total domestic deposits to total assets | 86.4967% | 3,234 |
| Equity capital to assets | 4.8000% | 7,388 |
| Core capital (leverage) ratio | 4.6824% | 7,379 |
| Tier 1 risk-based capital ratio | 7.0499% | 7,363 |
| Total risk-based capital ratio | 8.3423% | 7,365 |
| Memoranda: | ||
| Average total assets | $1,190,147,000 | 563 |
| Average earning assets | $1,090,119,000 | 550 |
| Average equity | $57,122,000 | 1,165 |
| Average total loans | $836,193,000 | 522 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8969% | 7,201 |
| Cost of funding earning assets | 1.5852% | 2,161 |
| Net interest margin | 2.3117% | 7,362 |
| Noninterest income to average assets | 2.5135% | 282 |
| Noninterest expense to average assets | 3.5479% | 2,057 |
| Loan and lease loss provision to assets | 3.4204% | 238 |
| Net operating income to assets | -2.3388% | 7,148 |
| Return on assets (ROA) | -2.2871% | 7,151 |
| Pretax return on assets | -2.2871% | 7,113 |
| Return on Equity (ROE) | -40.9787% | 7,362 |
| Retained earnings to average equity (ytd only) | -40.9787% | 7,355 |
| Net charge-offs to loans | 3.2964% | 464 |
| Credit loss provision to net charge-offs | 149.2378% | 2,435 |
| Earnings coverage of net charge-offs (x) | 0.4719% | 5,638 |
| Efficiency ratio | 76.6367% | 2,942 |
| Assets per employee ($millions) | 3.3579% | 5,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4259% | 284 |
| Loan loss allowance to noncurrent loans | 27.4103% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 12.3918% | 257 |
| Noncurrent loans to loans | 16.1468% | 127 |
| Net loans and leases to total assets | 66.9588% | 3,235 |
| Net loans and leases to deposits | 76.9137% | 3,699 |
| Net loans and leases to core deposits | 101.0335% | 1,533 |
| Total domestic deposits to total assets | 87.0570% | 2,791 |
| Equity capital to assets | 4.7992% | 7,446 |
| Core capital (leverage) ratio | 4.6511% | 7,446 |
| Tier 1 risk-based capital ratio | 7.0425% | 7,417 |
| Total risk-based capital ratio | 8.3341% | 7,419 |
| Memoranda: | ||
| Average total assets | $1,187,770,600 | 565 |
| Average earning assets | $1,087,205,600 | 554 |
| Average equity | $66,293,000 | 1,010 |
| Average total loans | $825,850,600 | 537 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9675% | 7,307 |
| Cost of funding earning assets | 1.6325% | 2,199 |
| Net interest margin | 2.3349% | 7,467 |
| Noninterest income to average assets | 2.4986% | 278 |
| Noninterest expense to average assets | 3.4913% | 2,052 |
| Loan and lease loss provision to assets | 4.5678% | 117 |
| Net operating income to assets | -3.4224% | 7,509 |
| Return on assets (ROA) | -3.3684% | 7,513 |
| Pretax return on assets | -3.3684% | 7,479 |
| Return on Equity (ROE) | -58.2927% | 7,598 |
| Retained earnings to average equity (ytd only) | -58.2927% | 7,596 |
| Net charge-offs to loans | 0.6951% | 2,678 |
| Credit loss provision to net charge-offs | 947.0163% | 306 |
| Earnings coverage of net charge-offs (x) | 2.3748% | 3,989 |
| Efficiency ratio | 75.2958% | 3,081 |
| Assets per employee ($millions) | 3.8427% | 4,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0941% | 57 |
| Loan loss allowance to noncurrent loans | 35.4438% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 15.2846% | 146 |
| Noncurrent loans to loans | 20.0149% | 73 |
| Net loans and leases to total assets | 65.7511% | 3,745 |
| Net loans and leases to deposits | 75.2052% | 4,318 |
| Net loans and leases to core deposits | 104.8788% | 1,408 |
| Total domestic deposits to total assets | 87.4289% | 2,303 |
| Equity capital to assets | 4.6407% | 7,605 |
| Core capital (leverage) ratio | 4.3928% | 7,598 |
| Tier 1 risk-based capital ratio | 6.8137% | 7,562 |
| Total risk-based capital ratio | 8.1426% | 7,561 |
| Memoranda: | ||
| Average total assets | $1,185,859,250 | 558 |
| Average earning assets | $1,085,908,250 | 551 |
| Average equity | $68,523,750 | 974 |
| Average total loans | $822,937,500 | 533 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 7,308 |
| Cost of funding earning assets | 1.6857% | 2,196 |
| Net interest margin | 2.3826% | 7,494 |
| Noninterest income to average assets | 2.6683% | 247 |
| Noninterest expense to average assets | 3.4852% | 2,063 |
| Loan and lease loss provision to assets | 6.7216% | 56 |
| Net operating income to assets | -5.3602% | 7,709 |
| Return on assets (ROA) | -5.3433% | 7,712 |
| Pretax return on assets | -5.3433% | 7,694 |
| Return on Equity (ROE) | -86.7199% | 7,716 |
| Retained earnings to average equity (ytd only) | -86.7199% | 7,714 |
| Net charge-offs to loans | 0.8375% | 2,158 |
| Credit loss provision to net charge-offs | 1,164.3527% | 330 |
| Earnings coverage of net charge-offs (x) | 2.3582% | 3,817 |
| Efficiency ratio | 71.9105% | 3,832 |
| Assets per employee ($millions) | 3.9128% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2738% | 49 |
| Loan loss allowance to noncurrent loans | 93.5016% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 6.4240% | 878 |
| Noncurrent loans to loans | 7.7793% | 673 |
| Net loans and leases to total assets | 62.8549% | 4,499 |
| Net loans and leases to deposits | 71.9713% | 4,999 |
| Net loans and leases to core deposits | 104.9047% | 1,549 |
| Total domestic deposits to total assets | 87.3333% | 2,368 |
| Equity capital to assets | 4.3428% | 7,673 |
| Core capital (leverage) ratio | 4.1623% | 7,671 |
| Tier 1 risk-based capital ratio | 6.5972% | 7,629 |
| Total risk-based capital ratio | 7.9273% | 7,630 |
| Memoranda: | ||
| Average total assets | $1,182,785,330 | 564 |
| Average earning assets | $1,081,325,330 | 558 |
| Average equity | $72,878,330 | 907 |
| Average total loans | $815,323,670 | 540 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2920% | 7,146 |
| Cost of funding earning assets | 1.7482% | 2,134 |
| Net interest margin | 2.5437% | 7,437 |
| Noninterest income to average assets | 1.8296% | 386 |
| Noninterest expense to average assets | 3.3984% | 2,240 |
| Loan and lease loss provision to assets | 0.0412% | 6,262 |
| Net operating income to assets | 0.7171% | 3,360 |
| Return on assets (ROA) | 0.7182% | 3,467 |
| Pretax return on assets | 0.7182% | 4,172 |
| Return on Equity (ROE) | 10.0996% | 2,067 |
| Retained earnings to average equity (ytd only) | 10.0996% | 1,117 |
| Net charge-offs to loans | 0.7871% | 1,950 |
| Credit loss provision to net charge-offs | 7.5235% | 5,077 |
| Earnings coverage of net charge-offs (x) | 1.3856% | 3,915 |
| Efficiency ratio | 81.7566% | 2,302 |
| Assets per employee ($millions) | 3.9751% | 3,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7743% | 1,014 |
| Loan loss allowance to noncurrent loans | 58.2179% | 4,463 |
| Noncurrent assets plus other real estate owned to assets | 4.2840% | 1,588 |
| Noncurrent loans to loans | 4.7654% | 1,545 |
| Net loans and leases to total assets | 64.3461% | 4,252 |
| Net loans and leases to deposits | 74.7784% | 4,629 |
| Net loans and leases to core deposits | 105.8290% | 1,590 |
| Total domestic deposits to total assets | 86.0491% | 3,134 |
| Equity capital to assets | 7.0619% | 7,341 |
| Core capital (leverage) ratio | 6.9996% | 7,251 |
| Tier 1 risk-based capital ratio | 10.5068% | 6,627 |
| Total risk-based capital ratio | 11.7752% | 6,600 |
| Memoranda: | ||
| Average total assets | $1,165,731,000 | 585 |
| Average earning assets | $1,066,458,000 | 580 |
| Average equity | $82,894,000 | 800 |
| Average total loans | $810,546,500 | 562 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8540% | 6,827 |
| Cost of funding earning assets | 2.0734% | 2,604 |
| Net interest margin | 2.7806% | 7,092 |
| Noninterest income to average assets | 1.8801% | 418 |
| Noninterest expense to average assets | 3.2512% | 3,188 |
| Loan and lease loss provision to assets | 2.6286% | 741 |
| Net operating income to assets | -1.4107% | 6,818 |
| Return on assets (ROA) | -1.2575% | 6,745 |
| Pretax return on assets | -1.2575% | 6,578 |
| Return on Equity (ROE) | -16.0928% | 6,994 |
| Retained earnings to average equity (ytd only) | -16.8088% | 6,979 |
| Net charge-offs to loans | 1.8698% | 1,334 |
| Credit loss provision to net charge-offs | 184.7379% | 2,211 |
| Earnings coverage of net charge-offs (x) | 0.8559% | 5,255 |
| Efficiency ratio | 72.7486% | 4,141 |
| Assets per employee ($millions) | 4.7788% | 2,507 |
| Cash dividends to net income (ytd only)* | -4.4494% | 7,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8857% | 851 |
| Loan loss allowance to noncurrent loans | 73.3573% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 3.9936% | 1,653 |
| Noncurrent loans to loans | 3.9338% | 1,889 |
| Net loans and leases to total assets | 71.0244% | 2,994 |
| Net loans and leases to deposits | 81.1524% | 3,772 |
| Net loans and leases to core deposits | 104.2685% | 3,541 |
| Total domestic deposits to total assets | 87.5197% | 2,207 |
| Equity capital to assets | 7.1637% | 7,287 |
| Core capital (leverage) ratio | 7.2689% | 7,013 |
| Tier 1 risk-based capital ratio | 10.1273% | 6,766 |
| Total risk-based capital ratio | 11.3978% | 6,710 |
| Memoranda: | ||
| Average total assets | $1,099,179,600 | 605 |
| Average earning assets | $1,023,451,400 | 591 |
| Average equity | $85,889,400 | 743 |
| Average total loans | $836,433,600 | 556 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9706% | 6,697 |
| Cost of funding earning assets | 2.1450% | 2,678 |
| Net interest margin | 2.8256% | 7,012 |
| Noninterest income to average assets | 1.5731% | 596 |
| Noninterest expense to average assets | 3.2262% | 3,208 |
| Loan and lease loss provision to assets | 0.8779% | 2,191 |
| Net operating income to assets | 0.1085% | 5,442 |
| Return on assets (ROA) | 0.2869% | 4,943 |
| Pretax return on assets | 0.2869% | 5,097 |
| Return on Equity (ROE) | 3.5942% | 4,541 |
| Retained earnings to average equity (ytd only) | 2.6544% | 3,846 |
| Net charge-offs to loans | 0.7063% | 2,582 |
| Credit loss provision to net charge-offs | 161.7165% | 2,920 |
| Earnings coverage of net charge-offs (x) | 1.8171% | 4,439 |
| Efficiency ratio | 76.5843% | 3,404 |
| Assets per employee ($millions) | 4.7180% | 2,526 |
| Cash dividends to net income (ytd only)* | 26.1480% | 3,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5901% | 3,029 |
| Loan loss allowance to noncurrent loans | 40.8068% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 3.5030% | 1,896 |
| Noncurrent loans to loans | 3.8967% | 1,891 |
| Net loans and leases to total assets | 71.0754% | 3,253 |
| Net loans and leases to deposits | 81.9731% | 4,027 |
| Net loans and leases to core deposits | 104.4850% | 3,878 |
| Total domestic deposits to total assets | 86.7058% | 2,325 |
| Equity capital to assets | 8.1037% | 6,735 |
| Core capital (leverage) ratio | 8.4073% | 5,658 |
| Tier 1 risk-based capital ratio | 11.2007% | 5,754 |
| Total risk-based capital ratio | 12.4546% | 5,698 |
| Memoranda: | ||
| Average total assets | $1,093,217,750 | 623 |
| Average earning assets | $1,021,255,750 | 600 |
| Average equity | $87,249,250 | 746 |
| Average total loans | $840,211,000 | 570 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0707% | 6,544 |
| Cost of funding earning assets | 2.2141% | 2,726 |
| Net interest margin | 2.8566% | 6,892 |
| Noninterest income to average assets | 1.6154% | 571 |
| Noninterest expense to average assets | 3.2435% | 3,176 |
| Loan and lease loss provision to assets | 0.8614% | 1,952 |
| Net operating income to assets | 0.1767% | 5,338 |
| Return on assets (ROA) | 0.4179% | 4,543 |
| Pretax return on assets | 0.4179% | 4,885 |
| Return on Equity (ROE) | 5.2654% | 3,969 |
| Retained earnings to average equity (ytd only) | 3.8223% | 3,165 |
| Net charge-offs to loans | 0.6431% | 2,426 |
| Credit loss provision to net charge-offs | 170.6013% | 2,696 |
| Earnings coverage of net charge-offs (x) | 2.0561% | 4,056 |
| Efficiency ratio | 75.7547% | 3,737 |
| Assets per employee ($millions) | 4.7143% | 2,446 |
| Cash dividends to net income (ytd only)* | 27.4064% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4801% | 3,310 |
| Loan loss allowance to noncurrent loans | 56.6972% | 4,627 |
| Noncurrent assets plus other real estate owned to assets | 2.6451% | 2,427 |
| Noncurrent loans to loans | 2.6105% | 2,770 |
| Net loans and leases to total assets | 76.5445% | 2,048 |
| Net loans and leases to deposits | 87.5576% | 3,246 |
| Net loans and leases to core deposits | 111.4901% | 3,202 |
| Total domestic deposits to total assets | 87.4219% | 2,048 |
| Equity capital to assets | 7.8217% | 6,953 |
| Core capital (leverage) ratio | 8.1885% | 6,001 |
| Tier 1 risk-based capital ratio | 10.0518% | 6,870 |
| Total risk-based capital ratio | 11.3040% | 6,790 |
| Memoranda: | ||
| Average total assets | $1,073,891,000 | 648 |
| Average earning assets | $1,002,309,670 | 622 |
| Average equity | $85,235,670 | 770 |
| Average total loans | $843,134,670 | 582 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1014% | 6,640 |
| Cost of funding earning assets | 2.2948% | 2,724 |
| Net interest margin | 2.8065% | 6,981 |
| Noninterest income to average assets | 1.0437% | 1,367 |
| Noninterest expense to average assets | 3.1035% | 3,363 |
| Loan and lease loss provision to assets | 0.9231% | 1,405 |
| Net operating income to assets | -0.3647% | 6,747 |
| Return on assets (ROA) | 0.1349% | 6,039 |
| Pretax return on assets | 0.1349% | 6,091 |
| Return on Equity (ROE) | 1.6868% | 5,883 |
| Retained earnings to average equity (ytd only) | -0.0330% | 5,653 |
| Net charge-offs to loans | 0.6282% | 1,921 |
| Credit loss provision to net charge-offs | 186.1702% | 2,353 |
| Earnings coverage of net charge-offs (x) | 1.1261% | 4,189 |
| Efficiency ratio | 84.7515% | 2,218 |
| Assets per employee ($millions) | 4.5746% | 2,602 |
| Cash dividends to net income (ytd only)* | 101.9553% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4496% | 3,235 |
| Loan loss allowance to noncurrent loans | 81.8447% | 3,610 |
| Noncurrent assets plus other real estate owned to assets | 1.9678% | 2,955 |
| Noncurrent loans to loans | 1.7712% | 3,610 |
| Net loans and leases to total assets | 77.0875% | 2,020 |
| Net loans and leases to deposits | 87.6822% | 3,340 |
| Net loans and leases to core deposits | 111.5786% | 3,253 |
| Total domestic deposits to total assets | 87.9169% | 1,779 |
| Equity capital to assets | 7.8797% | 6,972 |
| Core capital (leverage) ratio | 8.2049% | 6,091 |
| Tier 1 risk-based capital ratio | 9.9565% | 6,977 |
| Total risk-based capital ratio | 11.2080% | 6,876 |
| Memoranda: | ||
| Average total assets | $1,061,623,500 | 657 |
| Average earning assets | $990,402,500 | 633 |
| Average equity | $84,895,500 | 780 |
| Average total loans | $837,994,000 | 590 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1600% | 4,724 |
| Cost of funding earning assets | 3.0844% | 1,557 |
| Net interest margin | 3.0756% | 6,722 |
| Noninterest income to average assets | 0.9814% | 1,642 |
| Noninterest expense to average assets | 2.9802% | 4,154 |
| Loan and lease loss provision to assets | 0.4222% | 3,167 |
| Net operating income to assets | 0.4435% | 4,978 |
| Return on assets (ROA) | 0.1909% | 5,695 |
| Pretax return on assets | 0.1909% | 5,752 |
| Return on Equity (ROE) | 2.4321% | 5,449 |
| Retained earnings to average equity (ytd only) | 1.5857% | 4,268 |
| Net charge-offs to loans | 0.3892% | 2,874 |
| Credit loss provision to net charge-offs | 135.7706% | 3,926 |
| Earnings coverage of net charge-offs (x) | 2.7840% | 4,698 |
| Efficiency ratio | 77.4905% | 2,995 |
| Assets per employee ($millions) | 4.6994% | 2,328 |
| Cash dividends to net income (ytd only)* | 34.7998% | 3,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 3,715 |
| Loan loss allowance to noncurrent loans | 75.3178% | 4,307 |
| Noncurrent assets plus other real estate owned to assets | 1.7837% | 2,748 |
| Noncurrent loans to loans | 1.7375% | 3,161 |
| Net loans and leases to total assets | 78.6123% | 1,975 |
| Net loans and leases to deposits | 93.8165% | 2,801 |
| Net loans and leases to core deposits | 118.8737% | 2,802 |
| Total domestic deposits to total assets | 83.7936% | 3,433 |
| Equity capital to assets | 8.1148% | 6,677 |
| Core capital (leverage) ratio | 8.1660% | 6,227 |
| Tier 1 risk-based capital ratio | 9.7476% | 7,020 |
| Total risk-based capital ratio | 10.9886% | 6,941 |
| Memoranda: | ||
| Average total assets | $1,059,945,800 | 629 |
| Average earning assets | $987,225,800 | 609 |
| Average equity | $83,178,600 | 804 |
| Average total loans | $846,847,800 | 572 |