Home > The Commerce Bank of Washington > Performance and Condition Ratios
The Commerce Bank of Washington, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1225% | 5,680 |
| Cost of funding earning assets | 0.0172% | 6,230 |
| Net interest margin | 3.1053% | 4,951 |
| Noninterest income to average assets | 0.3075% | 4,737 |
| Noninterest expense to average assets | 1.4253% | 6,083 |
| Loan and lease loss provision to assets | -0.2353% | 6,123 |
| Net operating income to assets | 1.3685% | 1,184 |
| Return on assets (ROA) | 1.3685% | 1,234 |
| Pretax return on assets | 2.0908% | 508 |
| Return on Equity (ROE) | 12.6475% | 1,211 |
| Retained earnings to average equity (ytd only) | 11.6499% | 397 |
| Net charge-offs to loans | -0.0353% | 5,419 |
| Credit loss provision to net charge-offs | 956.3830% | 384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4417% | 6,053 |
| Assets per employee ($millions) | 14.2204% | 94 |
| Cash dividends to net income (ytd only)* | 7.8879% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 3,534 |
| Loan loss allowance to noncurrent loans | 350.2469% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 4,647 |
| Noncurrent loans to loans | 0.3490% | 4,363 |
| Net loans and leases to total assets | 63.6310% | 3,361 |
| Net loans and leases to deposits | 75.4063% | 3,383 |
| Net loans and leases to core deposits | 75.9204% | 3,813 |
| Total domestic deposits to total assets | 84.3842% | 3,269 |
| Equity capital to assets | 10.7233% | 3,334 |
| Core capital (leverage) ratio | 11.1477% | 2,355 |
| Tier 1 risk-based capital ratio | 14.0550% | 3,816 |
| Total risk-based capital ratio | 15.1846% | 3,825 |
| Memoranda: | ||
| Average total assets | $1,019,018,000 | 679 |
| Average earning assets | $975,730,000 | 659 |
| Average equity | $110,258,500 | 696 |
| Average total loans | $710,848,750 | 654 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2068% | 5,611 |
| Cost of funding earning assets | 0.0167% | 6,309 |
| Net interest margin | 3.1901% | 4,691 |
| Noninterest income to average assets | 0.3195% | 4,676 |
| Noninterest expense to average assets | 1.1814% | 6,251 |
| Loan and lease loss provision to assets | -0.1276% | 6,113 |
| Net operating income to assets | 1.5132% | 878 |
| Return on assets (ROA) | 1.5132% | 920 |
| Pretax return on assets | 2.3224% | 327 |
| Return on Equity (ROE) | 13.9398% | 919 |
| Retained earnings to average equity (ytd only) | 13.8069% | 246 |
| Net charge-offs to loans | -0.0900% | 5,748 |
| Credit loss provision to net charge-offs | 197.8261% | 1,250 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.9926% | 6,267 |
| Assets per employee ($millions) | 13.7153% | 100 |
| Cash dividends to net income (ytd only)* | 0.9531% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3768% | 2,862 |
| Loan loss allowance to noncurrent loans | 334.1056% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 4,393 |
| Noncurrent loans to loans | 0.4121% | 4,244 |
| Net loans and leases to total assets | 68.2862% | 2,604 |
| Net loans and leases to deposits | 79.5974% | 2,844 |
| Net loans and leases to core deposits | 80.3127% | 3,358 |
| Total domestic deposits to total assets | 85.7895% | 2,800 |
| Equity capital to assets | 11.0378% | 2,847 |
| Core capital (leverage) ratio | 11.6905% | 1,846 |
| Tier 1 risk-based capital ratio | 13.5155% | 4,208 |
| Total risk-based capital ratio | 14.7657% | 4,146 |
| Memoranda: | ||
| Average total assets | $998,439,670 | 697 |
| Average earning assets | $956,717,330 | 671 |
| Average equity | $108,380,670 | 713 |
| Average total loans | $715,730,000 | 656 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1145% | 5,762 |
| Cost of funding earning assets | 0.0065% | 6,387 |
| Net interest margin | 3.1081% | 4,929 |
| Noninterest income to average assets | 0.2631% | 5,071 |
| Noninterest expense to average assets | 2.9092% | 2,877 |
| Loan and lease loss provision to assets | 0.0455% | 3,013 |
| Net operating income to assets | 0.1919% | 5,697 |
| Return on assets (ROA) | 0.1919% | 5,783 |
| Pretax return on assets | 0.2834% | 5,683 |
| Return on Equity (ROE) | 1.8827% | 5,715 |
| Retained earnings to average equity (ytd only) | 1.7222% | 4,784 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8416% | 858 |
| Assets per employee ($millions) | 14.5656% | 84 |
| Cash dividends to net income (ytd only)* | 8.5253% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 2,973 |
| Loan loss allowance to noncurrent loans | 311.5168% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.4461% | 4,253 |
| Noncurrent loans to loans | 0.4453% | 4,249 |
| Net loans and leases to total assets | 72.7189% | 1,697 |
| Net loans and leases to deposits | 83.9593% | 2,082 |
| Net loans and leases to core deposits | 84.6864% | 2,695 |
| Total domestic deposits to total assets | 86.6121% | 2,595 |
| Equity capital to assets | 10.0714% | 4,058 |
| Core capital (leverage) ratio | 10.5313% | 2,921 |
| Tier 1 risk-based capital ratio | 12.0089% | 5,227 |
| Total risk-based capital ratio | 13.2599% | 5,126 |
| Memoranda: | ||
| Average total assets | $904,716,500 | 781 |
| Average earning assets | $866,005,000 | 741 |
| Average equity | $92,209,500 | 836 |
| Average total loans | $668,963,000 | 695 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3844% | 5,563 |
| Cost of funding earning assets | 0.0070% | 6,478 |
| Net interest margin | 3.3774% | 4,290 |
| Noninterest income to average assets | 0.3722% | 4,407 |
| Noninterest expense to average assets | 3.2614% | 2,034 |
| Loan and lease loss provision to assets | -0.0707% | 6,092 |
| Net operating income to assets | 0.2787% | 5,574 |
| Return on assets (ROA) | 0.1284% | 5,958 |
| Pretax return on assets | 0.1887% | 5,889 |
| Return on Equity (ROE) | 1.2337% | 5,941 |
| Retained earnings to average equity (ytd only) | -0.0950% | 5,783 |
| Net charge-offs to loans | -0.1099% | 6,132 |
| Credit loss provision to net charge-offs | 88.7029% | 2,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5845% | 808 |
| Assets per employee ($millions) | 14.3838% | 83 |
| Cash dividends to net income (ytd only)* | 107.6990% | 279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4039% | 2,932 |
| Loan loss allowance to noncurrent loans | 182.8802% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7214% | 3,405 |
| Noncurrent loans to loans | 0.7676% | 3,396 |
| Net loans and leases to total assets | 73.1066% | 1,736 |
| Net loans and leases to deposits | 86.6880% | 1,894 |
| Net loans and leases to core deposits | 87.3589% | 2,573 |
| Total domestic deposits to total assets | 84.3330% | 3,580 |
| Equity capital to assets | 10.3162% | 3,703 |
| Core capital (leverage) ratio | 10.3074% | 3,161 |
| Tier 1 risk-based capital ratio | 11.7881% | 5,494 |
| Total risk-based capital ratio | 13.0386% | 5,408 |
| Memoranda: | ||
| Average total assets | $900,024,800 | 738 |
| Average earning assets | $860,250,600 | 712 |
| Average equity | $93,700,600 | 785 |
| Average total loans | $652,694,200 | 666 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4323% | 5,535 |
| Cost of funding earning assets | 0.0070% | 6,562 |
| Net interest margin | 3.4254% | 4,125 |
| Noninterest income to average assets | 0.3657% | 4,501 |
| Noninterest expense to average assets | 2.0672% | 5,645 |
| Loan and lease loss provision to assets | -0.0501% | 6,190 |
| Net operating income to assets | 1.0582% | 2,206 |
| Return on assets (ROA) | 0.8672% | 3,175 |
| Pretax return on assets | 1.3274% | 2,279 |
| Return on Equity (ROE) | 8.3107% | 3,033 |
| Retained earnings to average equity (ytd only) | 8.1577% | 1,287 |
| Net charge-offs to loans | -0.1131% | 6,177 |
| Credit loss provision to net charge-offs | 61.4130% | 2,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8144% | 5,575 |
| Assets per employee ($millions) | 14.3950% | 85 |
| Cash dividends to net income (ytd only)* | 1.8409% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 2,980 |
| Loan loss allowance to noncurrent loans | 180.7102% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7393% | 3,596 |
| Noncurrent loans to loans | 0.7983% | 3,588 |
| Net loans and leases to total assets | 70.9240% | 2,039 |
| Net loans and leases to deposits | 82.5956% | 2,348 |
| Net loans and leases to core deposits | 83.1858% | 2,973 |
| Total domestic deposits to total assets | 85.8689% | 2,923 |
| Equity capital to assets | 10.8396% | 3,141 |
| Core capital (leverage) ratio | 11.1723% | 2,337 |
| Tier 1 risk-based capital ratio | 12.6607% | 5,061 |
| Total risk-based capital ratio | 13.9116% | 4,976 |
| Memoranda: | ||
| Average total assets | $902,081,500 | 743 |
| Average earning assets | $861,897,000 | 715 |
| Average equity | $94,125,750 | 783 |
| Average total loans | $650,556,250 | 663 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3558% | 5,702 |
| Cost of funding earning assets | 0.0070% | 6,625 |
| Net interest margin | 3.3489% | 4,413 |
| Noninterest income to average assets | 0.3849% | 4,367 |
| Noninterest expense to average assets | 2.0893% | 5,646 |
| Loan and lease loss provision to assets | 0.0562% | 3,171 |
| Net operating income to assets | 0.9359% | 2,621 |
| Return on assets (ROA) | 0.6488% | 4,207 |
| Pretax return on assets | 0.9932% | 3,506 |
| Return on Equity (ROE) | 6.2998% | 3,995 |
| Retained earnings to average equity (ytd only) | 6.1445% | 2,237 |
| Net charge-offs to loans | 0.2394% | 1,609 |
| Credit loss provision to net charge-offs | 32.5193% | 3,022 |
| Earnings coverage of net charge-offs (x) | 8.6298% | 2,466 |
| Efficiency ratio | 58.3525% | 5,509 |
| Assets per employee ($millions) | 14.5078% | 83 |
| Cash dividends to net income (ytd only)* | 2.4649% | 3,610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3005% | 3,848 |
| Loan loss allowance to noncurrent loans | 324.3738% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.4909% | 4,539 |
| Noncurrent loans to loans | 0.4009% | 4,786 |
| Net loans and leases to total assets | 74.4146% | 1,384 |
| Net loans and leases to deposits | 90.5011% | 1,322 |
| Net loans and leases to core deposits | 91.1620% | 2,013 |
| Total domestic deposits to total assets | 82.2251% | 4,576 |
| Equity capital to assets | 10.7901% | 3,102 |
| Core capital (leverage) ratio | 11.1219% | 2,313 |
| Tier 1 risk-based capital ratio | 12.3596% | 5,331 |
| Total risk-based capital ratio | 13.6096% | 5,246 |
| Memoranda: | ||
| Average total assets | $900,479,330 | 744 |
| Average earning assets | $859,277,000 | 709 |
| Average equity | $92,733,330 | 788 |
| Average total loans | $649,869,670 | 659 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2627% | 5,915 |
| Cost of funding earning assets | 0.0074% | 6,696 |
| Net interest margin | 3.2553% | 4,723 |
| Noninterest income to average assets | 0.3739% | 4,396 |
| Noninterest expense to average assets | 1.9607% | 5,960 |
| Loan and lease loss provision to assets | 0.2946% | 663 |
| Net operating income to assets | 0.8217% | 3,046 |
| Return on assets (ROA) | 0.2347% | 5,751 |
| Pretax return on assets | 0.3497% | 5,596 |
| Return on Equity (ROE) | 2.3338% | 5,695 |
| Retained earnings to average equity (ytd only) | 2.1717% | 4,735 |
| Net charge-offs to loans | 0.2115% | 1,485 |
| Credit loss provision to net charge-offs | 197.3451% | 1,061 |
| Earnings coverage of net charge-offs (x) | 10.1829% | 1,880 |
| Efficiency ratio | 56.3259% | 5,809 |
| Assets per employee ($millions) | 13.6430% | 96 |
| Cash dividends to net income (ytd only)* | 6.9418% | 2,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 3,331 |
| Loan loss allowance to noncurrent loans | 327.8982% | 1,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 4,484 |
| Noncurrent loans to loans | 0.4453% | 4,810 |
| Net loans and leases to total assets | 73.6735% | 1,318 |
| Net loans and leases to deposits | 86.8730% | 1,484 |
| Net loans and leases to core deposits | 87.4998% | 2,147 |
| Total domestic deposits to total assets | 84.8059% | 3,953 |
| Equity capital to assets | 10.6118% | 3,129 |
| Core capital (leverage) ratio | 10.7580% | 2,645 |
| Tier 1 risk-based capital ratio | 12.1342% | 5,551 |
| Total risk-based capital ratio | 13.3857% | 5,480 |
| Memoranda: | ||
| Average total assets | $908,231,500 | 745 |
| Average earning assets | $866,890,500 | 708 |
| Average equity | $91,355,000 | 801 |
| Average total loans | $641,190,500 | 668 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2136% | 6,120 |
| Cost of funding earning assets | 0.0086% | 6,780 |
| Net interest margin | 3.2050% | 4,982 |
| Noninterest income to average assets | 0.3850% | 4,553 |
| Noninterest expense to average assets | 2.0526% | 5,917 |
| Loan and lease loss provision to assets | -0.2015% | 6,600 |
| Net operating income to assets | 1.0493% | 2,122 |
| Return on assets (ROA) | 0.8538% | 3,091 |
| Pretax return on assets | 1.3029% | 2,134 |
| Return on Equity (ROE) | 8.7450% | 2,676 |
| Retained earnings to average equity (ytd only) | 4.7840% | 2,742 |
| Net charge-offs to loans | 0.1221% | 3,590 |
| Credit loss provision to net charge-offs | -244.6549% | 6,018 |
| Earnings coverage of net charge-offs (x) | 16.9702% | 1,751 |
| Efficiency ratio | 59.4916% | 5,542 |
| Assets per employee ($millions) | 14.9732% | 74 |
| Cash dividends to net income (ytd only)* | 45.2943% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4616% | 3,370 |
| Loan loss allowance to noncurrent loans | 272.4904% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 0.5685% | 4,531 |
| Noncurrent loans to loans | 0.5364% | 4,652 |
| Net loans and leases to total assets | 65.7647% | 2,729 |
| Net loans and leases to deposits | 78.2310% | 2,696 |
| Net loans and leases to core deposits | 79.0040% | 3,236 |
| Total domestic deposits to total assets | 84.0648% | 4,141 |
| Equity capital to assets | 9.5465% | 4,352 |
| Core capital (leverage) ratio | 10.2313% | 3,248 |
| Tier 1 risk-based capital ratio | 12.0411% | 5,591 |
| Total risk-based capital ratio | 13.2923% | 5,528 |
| Memoranda: | ||
| Average total assets | $897,289,600 | 734 |
| Average earning assets | $858,154,800 | 696 |
| Average equity | $87,604,800 | 802 |
| Average total loans | $605,411,200 | 690 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2225% | 6,166 |
| Cost of funding earning assets | 0.0091% | 6,860 |
| Net interest margin | 3.2134% | 4,953 |
| Noninterest income to average assets | 0.3740% | 4,719 |
| Noninterest expense to average assets | 1.9920% | 6,021 |
| Loan and lease loss provision to assets | -0.1659% | 6,690 |
| Net operating income to assets | 1.0653% | 2,134 |
| Return on assets (ROA) | 0.8012% | 3,470 |
| Pretax return on assets | 1.2215% | 2,613 |
| Return on Equity (ROE) | 8.1583% | 3,046 |
| Retained earnings to average equity (ytd only) | 2.8967% | 4,593 |
| Net charge-offs to loans | 0.1183% | 3,363 |
| Credit loss provision to net charge-offs | -207.1429% | 5,906 |
| Earnings coverage of net charge-offs (x) | 18.1785% | 1,699 |
| Efficiency ratio | 57.7778% | 5,716 |
| Assets per employee ($millions) | 14.3930% | 91 |
| Cash dividends to net income (ytd only)* | 64.4937% | 1,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6067% | 2,973 |
| Loan loss allowance to noncurrent loans | 156.1680% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 0.7458% | 4,243 |
| Noncurrent loans to loans | 1.0288% | 3,742 |
| Net loans and leases to total assets | 69.4163% | 2,064 |
| Net loans and leases to deposits | 82.4684% | 2,080 |
| Net loans and leases to core deposits | 83.2624% | 2,732 |
| Total domestic deposits to total assets | 84.1733% | 4,125 |
| Equity capital to assets | 9.9723% | 3,939 |
| Core capital (leverage) ratio | 10.3109% | 3,228 |
| Tier 1 risk-based capital ratio | 12.7694% | 5,281 |
| Total risk-based capital ratio | 14.0235% | 5,215 |
| Memoranda: | ||
| Average total assets | $885,783,500 | 751 |
| Average earning assets | $847,268,250 | 704 |
| Average equity | $86,992,750 | 815 |
| Average total loans | $599,371,500 | 698 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1711% | 6,265 |
| Cost of funding earning assets | 0.0095% | 6,909 |
| Net interest margin | 3.1616% | 5,077 |
| Noninterest income to average assets | 0.3567% | 4,834 |
| Noninterest expense to average assets | 1.9115% | 6,199 |
| Loan and lease loss provision to assets | -0.1750% | 6,771 |
| Net operating income to assets | 1.0761% | 2,011 |
| Return on assets (ROA) | 1.0761% | 2,123 |
| Pretax return on assets | 1.6435% | 1,243 |
| Return on Equity (ROE) | 11.0139% | 1,806 |
| Retained earnings to average equity (ytd only) | 5.9819% | 2,455 |
| Net charge-offs to loans | 0.2257% | 2,381 |
| Credit loss provision to net charge-offs | -116.2406% | 5,641 |
| Earnings coverage of net charge-offs (x) | 9.7564% | 2,243 |
| Efficiency ratio | 56.5526% | 5,896 |
| Assets per employee ($millions) | 14.3710% | 90 |
| Cash dividends to net income (ytd only)* | 45.6878% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 2,898 |
| Loan loss allowance to noncurrent loans | 141.9075% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.8831% | 4,031 |
| Noncurrent loans to loans | 1.1768% | 3,591 |
| Net loans and leases to total assets | 71.6021% | 1,638 |
| Net loans and leases to deposits | 84.2997% | 1,762 |
| Net loans and leases to core deposits | 85.5666% | 2,377 |
| Total domestic deposits to total assets | 84.9376% | 3,915 |
| Equity capital to assets | 10.4015% | 3,429 |
| Core capital (leverage) ratio | 10.9219% | 2,432 |
| Tier 1 risk-based capital ratio | 12.5654% | 5,460 |
| Total risk-based capital ratio | 13.8199% | 5,396 |
| Memoranda: | ||
| Average total assets | $883,589,670 | 749 |
| Average earning assets | $844,947,670 | 709 |
| Average equity | $86,327,330 | 822 |
| Average total loans | $589,308,000 | 707 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0356% | 6,471 |
| Cost of funding earning assets | 0.0097% | 6,985 |
| Net interest margin | 3.0258% | 5,505 |
| Noninterest income to average assets | 0.2951% | 5,347 |
| Noninterest expense to average assets | 2.0412% | 6,026 |
| Loan and lease loss provision to assets | -0.3843% | 6,934 |
| Net operating income to assets | 1.0095% | 2,185 |
| Return on assets (ROA) | 1.0095% | 2,300 |
| Pretax return on assets | 1.5331% | 1,477 |
| Return on Equity (ROE) | 10.6564% | 1,809 |
| Retained earnings to average equity (ytd only) | 5.9208% | 2,722 |
| Net charge-offs to loans | 0.1245% | 2,678 |
| Credit loss provision to net charge-offs | -483.7989% | 5,461 |
| Earnings coverage of net charge-offs (x) | 14.4637% | 1,452 |
| Efficiency ratio | 63.9866% | 5,012 |
| Assets per employee ($millions) | 14.7779% | 91 |
| Cash dividends to net income (ytd only)* | 44.4396% | 1,720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8468% | 2,454 |
| Loan loss allowance to noncurrent loans | 134.0178% | 2,627 |
| Noncurrent assets plus other real estate owned to assets | 0.9753% | 3,976 |
| Noncurrent loans to loans | 1.3781% | 3,497 |
| Net loans and leases to total assets | 67.5353% | 2,103 |
| Net loans and leases to deposits | 80.7229% | 1,987 |
| Net loans and leases to core deposits | 82.4196% | 2,520 |
| Total domestic deposits to total assets | 83.6632% | 4,607 |
| Equity capital to assets | 10.2364% | 3,872 |
| Core capital (leverage) ratio | 10.1860% | 3,162 |
| Tier 1 risk-based capital ratio | 12.8952% | 5,303 |
| Total risk-based capital ratio | 14.1535% | 5,245 |
| Memoranda: | ||
| Average total assets | $901,440,500 | 738 |
| Average earning assets | $862,444,000 | 699 |
| Average equity | $85,394,500 | 844 |
| Average total loans | $575,253,500 | 727 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3139% | 6,568 |
| Cost of funding earning assets | 0.0527% | 7,031 |
| Net interest margin | 3.2612% | 5,389 |
| Noninterest income to average assets | 0.3893% | 4,689 |
| Noninterest expense to average assets | 2.0989% | 6,131 |
| Loan and lease loss provision to assets | 0.0473% | 5,237 |
| Net operating income to assets | 0.8861% | 2,885 |
| Return on assets (ROA) | 0.8861% | 3,126 |
| Pretax return on assets | 1.3398% | 2,255 |
| Return on Equity (ROE) | 9.1384% | 2,571 |
| Retained earnings to average equity (ytd only) | 6.9083% | 1,608 |
| Net charge-offs to loans | 0.4739% | 2,342 |
| Credit loss provision to net charge-offs | 15.9322% | 5,330 |
| Earnings coverage of net charge-offs (x) | 4.6682% | 3,292 |
| Efficiency ratio | 60.2080% | 5,508 |
| Assets per employee ($millions) | 16.0090% | 81 |
| Cash dividends to net income (ytd only)* | 24.4032% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0579% | 1,866 |
| Loan loss allowance to noncurrent loans | 123.8432% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 3,786 |
| Noncurrent loans to loans | 1.6617% | 3,136 |
| Net loans and leases to total assets | 58.2148% | 3,939 |
| Net loans and leases to deposits | 70.6962% | 3,604 |
| Net loans and leases to core deposits | 72.5210% | 3,978 |
| Total domestic deposits to total assets | 82.3450% | 4,982 |
| Equity capital to assets | 8.8037% | 5,745 |
| Core capital (leverage) ratio | 9.3880% | 4,271 |
| Tier 1 risk-based capital ratio | 11.3702% | 6,177 |
| Total risk-based capital ratio | 12.6284% | 6,147 |
| Memoranda: | ||
| Average total assets | $893,459,400 | 734 |
| Average earning assets | $848,436,800 | 705 |
| Average equity | $86,634,600 | 796 |
| Average total loans | $560,214,000 | 741 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4339% | 6,584 |
| Cost of funding earning assets | 0.0546% | 7,141 |
| Net interest margin | 3.3793% | 5,098 |
| Noninterest income to average assets | 0.4018% | 4,623 |
| Noninterest expense to average assets | 2.1175% | 6,129 |
| Loan and lease loss provision to assets | 0.1153% | 4,124 |
| Net operating income to assets | 0.9072% | 2,951 |
| Return on assets (ROA) | 0.9072% | 3,182 |
| Pretax return on assets | 1.3718% | 2,337 |
| Return on Equity (ROE) | 9.1255% | 2,740 |
| Retained earnings to average equity (ytd only) | 7.3081% | 1,937 |
| Net charge-offs to loans | 0.5950% | 1,845 |
| Credit loss provision to net charge-offs | 30.4662% | 4,796 |
| Earnings coverage of net charge-offs (x) | 3.9301% | 3,452 |
| Efficiency ratio | 58.7444% | 5,691 |
| Assets per employee ($millions) | 14.2103% | 100 |
| Cash dividends to net income (ytd only)* | 19.9162% | 3,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1896% | 1,726 |
| Loan loss allowance to noncurrent loans | 136.8980% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 1.1922% | 3,904 |
| Noncurrent loans to loans | 1.5994% | 3,390 |
| Net loans and leases to total assets | 63.1342% | 3,186 |
| Net loans and leases to deposits | 75.0190% | 3,143 |
| Net loans and leases to core deposits | 77.2450% | 3,578 |
| Total domestic deposits to total assets | 84.1577% | 4,145 |
| Equity capital to assets | 9.6049% | 5,056 |
| Core capital (leverage) ratio | 9.9897% | 3,562 |
| Tier 1 risk-based capital ratio | 12.4797% | 5,660 |
| Total risk-based capital ratio | 13.7406% | 5,615 |
| Memoranda: | ||
| Average total assets | $876,689,750 | 757 |
| Average earning assets | $830,878,500 | 723 |
| Average equity | $87,152,500 | 798 |
| Average total loans | $557,536,500 | 746 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4521% | 6,667 |
| Cost of funding earning assets | 0.0550% | 7,205 |
| Net interest margin | 3.3971% | 5,101 |
| Noninterest income to average assets | 0.3921% | 4,713 |
| Noninterest expense to average assets | 2.0382% | 6,356 |
| Loan and lease loss provision to assets | 0.3325% | 1,978 |
| Net operating income to assets | 0.8209% | 3,298 |
| Return on assets (ROA) | 0.8209% | 3,554 |
| Pretax return on assets | 1.2373% | 2,776 |
| Return on Equity (ROE) | 8.1673% | 3,183 |
| Retained earnings to average equity (ytd only) | 6.8377% | 2,195 |
| Net charge-offs to loans | 0.5455% | 1,953 |
| Credit loss provision to net charge-offs | 96.3134% | 2,871 |
| Earnings coverage of net charge-offs (x) | 4.5471% | 3,046 |
| Efficiency ratio | 56.4913% | 6,063 |
| Assets per employee ($millions) | 13.7422% | 103 |
| Cash dividends to net income (ytd only)* | 16.2791% | 3,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5048% | 1,276 |
| Loan loss allowance to noncurrent loans | 142.4552% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 1.3582% | 3,720 |
| Noncurrent loans to loans | 1.7583% | 3,261 |
| Net loans and leases to total assets | 62.6050% | 3,308 |
| Net loans and leases to deposits | 74.7017% | 3,168 |
| Net loans and leases to core deposits | 77.8856% | 3,534 |
| Total domestic deposits to total assets | 83.8067% | 4,396 |
| Equity capital to assets | 9.5921% | 4,923 |
| Core capital (leverage) ratio | 9.8653% | 3,629 |
| Tier 1 risk-based capital ratio | 12.3072% | 5,714 |
| Total risk-based capital ratio | 13.5700% | 5,683 |
| Memoranda: | ||
| Average total assets | $879,976,000 | 756 |
| Average earning assets | $833,060,000 | 724 |
| Average equity | $88,450,670 | 784 |
| Average total loans | $556,876,000 | 752 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4664% | 6,738 |
| Cost of funding earning assets | 0.0577% | 7,268 |
| Net interest margin | 3.4087% | 5,086 |
| Noninterest income to average assets | 0.3783% | 4,835 |
| Noninterest expense to average assets | 2.1170% | 6,239 |
| Loan and lease loss provision to assets | 0.2886% | 2,154 |
| Net operating income to assets | 0.7968% | 3,391 |
| Return on assets (ROA) | 0.7968% | 3,630 |
| Pretax return on assets | 1.1981% | 2,918 |
| Return on Equity (ROE) | 7.7539% | 3,383 |
| Retained earnings to average equity (ytd only) | 7.7539% | 2,071 |
| Net charge-offs to loans | 1.2495% | 811 |
| Credit loss provision to net charge-offs | 36.7605% | 3,501 |
| Earnings coverage of net charge-offs (x) | 1.8937% | 3,390 |
| Efficiency ratio | 58.7462% | 5,810 |
| Assets per employee ($millions) | 15.2652% | 85 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3287% | 1,630 |
| Loan loss allowance to noncurrent loans | 203.7330% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.9222% | 4,677 |
| Noncurrent loans to loans | 1.1430% | 4,430 |
| Net loans and leases to total assets | 59.9822% | 3,672 |
| Net loans and leases to deposits | 73.5684% | 3,187 |
| Net loans and leases to core deposits | 77.3229% | 3,423 |
| Total domestic deposits to total assets | 81.5325% | 5,454 |
| Equity capital to assets | 10.2343% | 3,810 |
| Core capital (leverage) ratio | 10.6572% | 2,595 |
| Tier 1 risk-based capital ratio | 14.0356% | 4,447 |
| Total risk-based capital ratio | 15.2972% | 4,399 |
| Memoranda: | ||
| Average total assets | $887,085,000 | 748 |
| Average earning assets | $839,372,500 | 717 |
| Average equity | $91,154,000 | 765 |
| Average total loans | $557,347,500 | 749 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7011% | 6,849 |
| Cost of funding earning assets | 0.1075% | 7,302 |
| Net interest margin | 3.5936% | 4,759 |
| Noninterest income to average assets | 0.3689% | 4,868 |
| Noninterest expense to average assets | 1.8992% | 6,837 |
| Loan and lease loss provision to assets | 0.8971% | 1,072 |
| Net operating income to assets | 0.6919% | 3,532 |
| Return on assets (ROA) | 0.3047% | 5,387 |
| Pretax return on assets | 0.4341% | 5,190 |
| Return on Equity (ROE) | 3.0478% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.0478% | 4,061 |
| Net charge-offs to loans | 1.5622% | 1,012 |
| Credit loss provision to net charge-offs | 86.7945% | 4,162 |
| Earnings coverage of net charge-offs (x) | 1.8230% | 4,413 |
| Efficiency ratio | 50.1969% | 6,822 |
| Assets per employee ($millions) | 14.8055% | 92 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4895% | 1,330 |
| Loan loss allowance to noncurrent loans | 145.6658% | 2,186 |
| Noncurrent assets plus other real estate owned to assets | 1.3681% | 3,955 |
| Noncurrent loans to loans | 1.7091% | 3,597 |
| Net loans and leases to total assets | 62.6894% | 3,471 |
| Net loans and leases to deposits | 78.9873% | 2,684 |
| Net loans and leases to core deposits | 82.0803% | 3,162 |
| Total domestic deposits to total assets | 79.3665% | 5,901 |
| Equity capital to assets | 10.3183% | 3,755 |
| Core capital (leverage) ratio | 10.0957% | 3,229 |
| Tier 1 risk-based capital ratio | 13.6336% | 4,602 |
| Total risk-based capital ratio | 14.8964% | 4,554 |
| Memoranda: | ||
| Average total assets | $872,579,200 | 748 |
| Average earning assets | $829,113,200 | 715 |
| Average equity | $87,242,400 | 772 |
| Average total loans | $577,321,400 | 732 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7129% | 6,926 |
| Cost of funding earning assets | 0.1184% | 7,377 |
| Net interest margin | 3.5945% | 4,796 |
| Noninterest income to average assets | 0.3599% | 4,989 |
| Noninterest expense to average assets | 1.9269% | 6,824 |
| Loan and lease loss provision to assets | 0.9765% | 894 |
| Net operating income to assets | 0.5953% | 4,102 |
| Return on assets (ROA) | 0.5953% | 4,289 |
| Pretax return on assets | 0.8805% | 3,844 |
| Return on Equity (ROE) | 6.0023% | 4,019 |
| Retained earnings to average equity (ytd only) | 6.0023% | 2,554 |
| Net charge-offs to loans | 1.6600% | 837 |
| Credit loss provision to net charge-offs | 88.2824% | 3,833 |
| Earnings coverage of net charge-offs (x) | 1.6789% | 4,394 |
| Efficiency ratio | 50.9230% | 6,768 |
| Assets per employee ($millions) | 15.9152% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4148% | 1,516 |
| Loan loss allowance to noncurrent loans | 170.6948% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 1.0772% | 4,610 |
| Noncurrent loans to loans | 1.4147% | 4,172 |
| Net loans and leases to total assets | 61.6419% | 3,809 |
| Net loans and leases to deposits | 78.0508% | 2,977 |
| Net loans and leases to core deposits | 81.4329% | 3,420 |
| Total domestic deposits to total assets | 78.4864% | 6,098 |
| Equity capital to assets | 9.4033% | 5,239 |
| Core capital (leverage) ratio | 10.5739% | 2,787 |
| Tier 1 risk-based capital ratio | 12.9254% | 5,151 |
| Total risk-based capital ratio | 14.1867% | 5,122 |
| Memoranda: | ||
| Average total assets | $872,343,000 | 758 |
| Average earning assets | $830,946,000 | 718 |
| Average equity | $86,519,750 | 783 |
| Average total loans | $581,254,750 | 735 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8245% | 6,894 |
| Cost of funding earning assets | 0.1343% | 7,445 |
| Net interest margin | 3.6902% | 4,308 |
| Noninterest income to average assets | 0.3632% | 4,968 |
| Noninterest expense to average assets | 1.9684% | 6,851 |
| Loan and lease loss provision to assets | 1.2005% | 649 |
| Net operating income to assets | 0.4856% | 4,562 |
| Return on assets (ROA) | 0.4856% | 4,710 |
| Pretax return on assets | 0.7095% | 4,353 |
| Return on Equity (ROE) | 4.8041% | 4,542 |
| Retained earnings to average equity (ytd only) | 4.8041% | 3,119 |
| Net charge-offs to loans | 1.6910% | 858 |
| Credit loss provision to net charge-offs | 104.5482% | 2,953 |
| Earnings coverage of net charge-offs (x) | 1.6634% | 4,045 |
| Efficiency ratio | 50.7522% | 6,890 |
| Assets per employee ($millions) | 15.2758% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6584% | 1,230 |
| Loan loss allowance to noncurrent loans | 142.7618% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 1.4640% | 4,019 |
| Noncurrent loans to loans | 1.8621% | 3,660 |
| Net loans and leases to total assets | 63.6212% | 3,547 |
| Net loans and leases to deposits | 80.5557% | 2,696 |
| Net loans and leases to core deposits | 84.9542% | 3,081 |
| Total domestic deposits to total assets | 78.1914% | 6,251 |
| Equity capital to assets | 9.8106% | 4,377 |
| Core capital (leverage) ratio | 10.9053% | 2,338 |
| Tier 1 risk-based capital ratio | 12.9024% | 4,997 |
| Total risk-based capital ratio | 14.1653% | 4,964 |
| Memoranda: | ||
| Average total assets | $850,125,000 | 781 |
| Average earning assets | $809,829,000 | 748 |
| Average equity | $85,927,330 | 784 |
| Average total loans | $577,293,330 | 750 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8887% | 6,835 |
| Cost of funding earning assets | 0.1443% | 7,508 |
| Net interest margin | 3.7444% | 3,870 |
| Noninterest income to average assets | 0.3297% | 5,271 |
| Noninterest expense to average assets | 2.1490% | 6,532 |
| Loan and lease loss provision to assets | 0.8916% | 905 |
| Net operating income to assets | 0.5821% | 4,126 |
| Return on assets (ROA) | 0.5821% | 4,194 |
| Pretax return on assets | 0.8561% | 3,679 |
| Return on Equity (ROE) | 5.6701% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.6701% | 2,814 |
| Net charge-offs to loans | 1.8355% | 707 |
| Credit loss provision to net charge-offs | 70.1323% | 3,350 |
| Earnings coverage of net charge-offs (x) | 1.3747% | 3,660 |
| Efficiency ratio | 55.1499% | 6,594 |
| Assets per employee ($millions) | 13.1284% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4778% | 1,490 |
| Loan loss allowance to noncurrent loans | 105.5560% | 2,730 |
| Noncurrent assets plus other real estate owned to assets | 2.0362% | 3,274 |
| Noncurrent loans to loans | 2.3474% | 3,142 |
| Net loans and leases to total assets | 69.5422% | 2,212 |
| Net loans and leases to deposits | 89.4002% | 1,309 |
| Net loans and leases to core deposits | 94.7832% | 1,795 |
| Total domestic deposits to total assets | 76.6520% | 6,585 |
| Equity capital to assets | 10.6275% | 3,059 |
| Core capital (leverage) ratio | 10.7581% | 2,392 |
| Tier 1 risk-based capital ratio | 12.8142% | 4,967 |
| Total risk-based capital ratio | 14.0761% | 4,934 |
| Memoranda: | ||
| Average total assets | $832,190,000 | 805 |
| Average earning assets | $792,755,000 | 766 |
| Average equity | $85,430,500 | 777 |
| Average total loans | $576,402,500 | 759 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9296% | 7,180 |
| Cost of funding earning assets | 0.1992% | 7,553 |
| Net interest margin | 3.7304% | 4,225 |
| Noninterest income to average assets | 0.3603% | 5,226 |
| Noninterest expense to average assets | 1.8500% | 7,220 |
| Loan and lease loss provision to assets | 2.0833% | 619 |
| Net operating income to assets | -0.0054% | 5,843 |
| Return on assets (ROA) | -0.0583% | 6,019 |
| Pretax return on assets | -0.1250% | 6,018 |
| Return on Equity (ROE) | -0.5772% | 6,024 |
| Retained earnings to average equity (ytd only) | -0.5772% | 5,723 |
| Net charge-offs to loans | 2.7182% | 664 |
| Credit loss provision to net charge-offs | 111.1650% | 3,949 |
| Earnings coverage of net charge-offs (x) | 1.0891% | 5,023 |
| Efficiency ratio | 47.5462% | 7,283 |
| Assets per employee ($millions) | 14.1736% | 108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6507% | 1,225 |
| Loan loss allowance to noncurrent loans | 74.7942% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 2.6068% | 2,673 |
| Noncurrent loans to loans | 3.5440% | 2,128 |
| Net loans and leases to total assets | 65.5212% | 3,561 |
| Net loans and leases to deposits | 84.1568% | 2,426 |
| Net loans and leases to core deposits | 88.8309% | 2,926 |
| Total domestic deposits to total assets | 76.9366% | 6,486 |
| Equity capital to assets | 9.9195% | 3,857 |
| Core capital (leverage) ratio | 10.6233% | 2,439 |
| Tier 1 risk-based capital ratio | 12.9012% | 4,681 |
| Total risk-based capital ratio | 14.1646% | 4,647 |
| Memoranda: | ||
| Average total assets | $836,864,200 | 807 |
| Average earning assets | $792,061,800 | 771 |
| Average equity | $84,538,800 | 790 |
| Average total loans | $576,968,000 | 774 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9446% | 7,314 |
| Cost of funding earning assets | 0.2142% | 7,670 |
| Net interest margin | 3.7303% | 4,263 |
| Noninterest income to average assets | 0.3131% | 5,650 |
| Noninterest expense to average assets | 1.9052% | 7,202 |
| Loan and lease loss provision to assets | 1.8862% | 655 |
| Net operating income to assets | 0.0506% | 5,880 |
| Return on assets (ROA) | 0.0202% | 6,077 |
| Pretax return on assets | -0.0051% | 6,096 |
| Return on Equity (ROE) | 0.1986% | 6,071 |
| Retained earnings to average equity (ytd only) | 0.1986% | 5,699 |
| Net charge-offs to loans | 3.3538% | 422 |
| Credit loss provision to net charge-offs | 81.0824% | 5,099 |
| Earnings coverage of net charge-offs (x) | 0.8290% | 5,227 |
| Efficiency ratio | 49.6954% | 7,175 |
| Assets per employee ($millions) | 13.8338% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8125% | 2,743 |
| Loan loss allowance to noncurrent loans | 53.6936% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 2.7650% | 2,618 |
| Noncurrent loans to loans | 3.3756% | 2,361 |
| Net loans and leases to total assets | 68.4972% | 3,099 |
| Net loans and leases to deposits | 89.5018% | 1,786 |
| Net loans and leases to core deposits | 94.2511% | 2,492 |
| Total domestic deposits to total assets | 76.0932% | 6,636 |
| Equity capital to assets | 10.0377% | 4,113 |
| Core capital (leverage) ratio | 10.7806% | 2,434 |
| Tier 1 risk-based capital ratio | 12.3189% | 5,159 |
| Total risk-based capital ratio | 13.5727% | 5,131 |
| Memoranda: | ||
| Average total assets | $833,475,750 | 809 |
| Average earning assets | $786,647,750 | 778 |
| Average equity | $84,584,250 | 781 |
| Average total loans | $578,116,000 | 780 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9867% | 7,372 |
| Cost of funding earning assets | 0.2329% | 7,737 |
| Net interest margin | 3.7538% | 4,113 |
| Noninterest income to average assets | 0.2771% | 5,934 |
| Noninterest expense to average assets | 2.0556% | 7,008 |
| Loan and lease loss provision to assets | 1.6074% | 812 |
| Net operating income to assets | 0.1236% | 5,796 |
| Return on assets (ROA) | 0.1236% | 5,902 |
| Pretax return on assets | 0.1528% | 5,878 |
| Return on Equity (ROE) | 1.2136% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.2136% | 5,265 |
| Net charge-offs to loans | 3.0662% | 511 |
| Credit loss provision to net charge-offs | 75.7294% | 4,820 |
| Earnings coverage of net charge-offs (x) | 0.8293% | 4,943 |
| Efficiency ratio | 53.8709% | 6,897 |
| Assets per employee ($millions) | 13.8737% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9730% | 2,250 |
| Loan loss allowance to noncurrent loans | 70.9641% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 2.4834% | 2,899 |
| Noncurrent loans to loans | 2.7802% | 2,880 |
| Net loans and leases to total assets | 67.3509% | 3,535 |
| Net loans and leases to deposits | 89.4049% | 1,945 |
| Net loans and leases to core deposits | 95.2512% | 2,545 |
| Total domestic deposits to total assets | 74.3983% | 6,929 |
| Equity capital to assets | 10.1654% | 3,817 |
| Core capital (leverage) ratio | 11.2305% | 2,080 |
| Tier 1 risk-based capital ratio | 12.5852% | 4,780 |
| Total risk-based capital ratio | 13.8410% | 4,751 |
| Memoranda: | ||
| Average total assets | $830,013,670 | 816 |
| Average earning assets | $782,454,000 | 784 |
| Average equity | $84,544,330 | 775 |
| Average total loans | $574,590,670 | 796 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9810% | 7,472 |
| Cost of funding earning assets | 0.2525% | 7,838 |
| Net interest margin | 3.7285% | 4,107 |
| Noninterest income to average assets | 0.3277% | 5,522 |
| Noninterest expense to average assets | 2.0516% | 7,057 |
| Loan and lease loss provision to assets | 1.3948% | 861 |
| Net operating income to assets | 0.2818% | 5,362 |
| Return on assets (ROA) | 0.2818% | 5,497 |
| Pretax return on assets | 0.3953% | 5,307 |
| Return on Equity (ROE) | 2.7643% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.7643% | 4,478 |
| Net charge-offs to loans | 1.8287% | 943 |
| Credit loss provision to net charge-offs | 109.7607% | 3,140 |
| Earnings coverage of net charge-offs (x) | 1.4087% | 3,903 |
| Efficiency ratio | 53.4045% | 7,030 |
| Assets per employee ($millions) | 14.1793% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3844% | 1,437 |
| Loan loss allowance to noncurrent loans | 54.8898% | 4,667 |
| Noncurrent assets plus other real estate owned to assets | 3.4565% | 2,042 |
| Noncurrent loans to loans | 4.3440% | 1,741 |
| Net loans and leases to total assets | 68.0893% | 3,366 |
| Net loans and leases to deposits | 90.6578% | 1,804 |
| Net loans and leases to core deposits | 97.2862% | 2,426 |
| Total domestic deposits to total assets | 73.8383% | 7,067 |
| Equity capital to assets | 10.3157% | 3,453 |
| Core capital (leverage) ratio | 11.0513% | 2,201 |
| Tier 1 risk-based capital ratio | 12.5863% | 4,652 |
| Total risk-based capital ratio | 13.8457% | 4,611 |
| Memoranda: | ||
| Average total assets | $828,810,000 | 834 |
| Average earning assets | $781,112,500 | 801 |
| Average equity | $84,507,000 | 783 |
| Average total loans | $575,922,500 | 810 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4257% | 7,458 |
| Cost of funding earning assets | 0.4102% | 7,870 |
| Net interest margin | 4.0154% | 2,807 |
| Noninterest income to average assets | 1.1594% | 1,146 |
| Noninterest expense to average assets | 1.8911% | 7,518 |
| Loan and lease loss provision to assets | 2.6779% | 708 |
| Net operating income to assets | 0.2830% | 4,598 |
| Return on assets (ROA) | 0.1846% | 5,017 |
| Pretax return on assets | 0.2330% | 4,933 |
| Return on Equity (ROE) | 1.9700% | 4,921 |
| Retained earnings to average equity (ytd only) | -0.5654% | 5,129 |
| Net charge-offs to loans | 2.5865% | 882 |
| Credit loss provision to net charge-offs | 147.4300% | 3,185 |
| Earnings coverage of net charge-offs (x) | 1.6712% | 4,487 |
| Efficiency ratio | 38.3851% | 7,882 |
| Assets per employee ($millions) | 14.6530% | 116 |
| Cash dividends to net income (ytd only)* | 128.7001% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3212% | 1,446 |
| Loan loss allowance to noncurrent loans | 47.3972% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 3.7877% | 1,758 |
| Noncurrent loans to loans | 4.8973% | 1,390 |
| Net loans and leases to total assets | 67.6205% | 3,794 |
| Net loans and leases to deposits | 89.3649% | 2,324 |
| Net loans and leases to core deposits | 101.3960% | 3,859 |
| Total domestic deposits to total assets | 73.2037% | 7,127 |
| Equity capital to assets | 10.0785% | 3,650 |
| Core capital (leverage) ratio | 10.5691% | 2,532 |
| Tier 1 risk-based capital ratio | 12.5989% | 4,444 |
| Total risk-based capital ratio | 13.8575% | 4,381 |
| Memoranda: | ||
| Average total assets | $841,887,400 | 805 |
| Average earning assets | $789,849,400 | 774 |
| Average equity | $78,881,800 | 819 |
| Average total loans | $591,221,000 | 805 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5026% | 7,502 |
| Cost of funding earning assets | 0.4371% | 7,963 |
| Net interest margin | 4.0655% | 2,526 |
| Noninterest income to average assets | 1.3087% | 904 |
| Noninterest expense to average assets | 1.9111% | 7,530 |
| Loan and lease loss provision to assets | 2.9111% | 523 |
| Net operating income to assets | 0.2340% | 5,044 |
| Return on assets (ROA) | 0.2063% | 5,216 |
| Pretax return on assets | 0.2666% | 5,147 |
| Return on Equity (ROE) | 2.2434% | 5,083 |
| Retained earnings to average equity (ytd only) | -1.1948% | 5,533 |
| Net charge-offs to loans | 2.0087% | 978 |
| Credit loss provision to net charge-offs | 205.6498% | 2,161 |
| Earnings coverage of net charge-offs (x) | 2.2703% | 4,122 |
| Efficiency ratio | 37.2903% | 7,961 |
| Assets per employee ($millions) | 14.9381% | 108 |
| Cash dividends to net income (ytd only)* | 153.2564% | 277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6075% | 960 |
| Loan loss allowance to noncurrent loans | 60.5814% | 4,327 |
| Noncurrent assets plus other real estate owned to assets | 3.1695% | 2,145 |
| Noncurrent loans to loans | 4.3041% | 1,664 |
| Net loans and leases to total assets | 68.5629% | 3,834 |
| Net loans and leases to deposits | 90.9771% | 2,395 |
| Net loans and leases to core deposits | 103.7815% | 3,964 |
| Total domestic deposits to total assets | 73.3432% | 7,042 |
| Equity capital to assets | 9.9369% | 4,163 |
| Core capital (leverage) ratio | 11.0557% | 2,368 |
| Tier 1 risk-based capital ratio | 11.7638% | 5,186 |
| Total risk-based capital ratio | 13.0246% | 5,118 |
| Memoranda: | ||
| Average total assets | $843,554,250 | 815 |
| Average earning assets | $791,820,750 | 784 |
| Average equity | $77,557,750 | 844 |
| Average total loans | $594,476,000 | 813 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5653% | 7,569 |
| Cost of funding earning assets | 0.4484% | 8,059 |
| Net interest margin | 4.1169% | 2,265 |
| Noninterest income to average assets | 0.9259% | 1,871 |
| Noninterest expense to average assets | 1.9752% | 7,503 |
| Loan and lease loss provision to assets | 1.7188% | 975 |
| Net operating income to assets | 0.7482% | 3,050 |
| Return on assets (ROA) | 0.7482% | 3,159 |
| Pretax return on assets | 1.0990% | 2,640 |
| Return on Equity (ROE) | 8.3662% | 2,623 |
| Retained earnings to average equity (ytd only) | 3.0476% | 3,623 |
| Net charge-offs to loans | 0.6822% | 2,337 |
| Credit loss provision to net charge-offs | 357.4184% | 1,301 |
| Earnings coverage of net charge-offs (x) | 5.8595% | 2,744 |
| Efficiency ratio | 41.2097% | 7,997 |
| Assets per employee ($millions) | 14.3759% | 112 |
| Cash dividends to net income (ytd only)* | 63.5728% | 1,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 1,782 |
| Loan loss allowance to noncurrent loans | 58.3958% | 4,549 |
| Noncurrent assets plus other real estate owned to assets | 2.5214% | 2,552 |
| Noncurrent loans to loans | 3.2629% | 2,175 |
| Net loans and leases to total assets | 71.4479% | 3,362 |
| Net loans and leases to deposits | 95.6619% | 1,850 |
| Net loans and leases to core deposits | 108.8043% | 3,516 |
| Total domestic deposits to total assets | 72.9399% | 7,117 |
| Equity capital to assets | 8.9942% | 5,329 |
| Core capital (leverage) ratio | 9.5067% | 3,873 |
| Tier 1 risk-based capital ratio | 9.9875% | 6,943 |
| Total risk-based capital ratio | 13.1907% | 4,885 |
| Memoranda: | ||
| Average total assets | $840,915,330 | 838 |
| Average earning assets | $789,919,670 | 806 |
| Average equity | $75,207,000 | 880 |
| Average total loans | $592,827,000 | 841 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5623% | 7,655 |
| Cost of funding earning assets | 0.4566% | 8,115 |
| Net interest margin | 4.1057% | 2,250 |
| Noninterest income to average assets | 0.5904% | 3,622 |
| Noninterest expense to average assets | 2.0384% | 7,258 |
| Loan and lease loss provision to assets | 1.0492% | 1,246 |
| Net operating income to assets | 0.9083% | 2,669 |
| Return on assets (ROA) | 0.9083% | 2,817 |
| Pretax return on assets | 1.3461% | 2,130 |
| Return on Equity (ROE) | 10.1843% | 2,250 |
| Retained earnings to average equity (ytd only) | 10.1843% | 1,146 |
| Net charge-offs to loans | 0.2356% | 3,231 |
| Credit loss provision to net charge-offs | 641.9540% | 898 |
| Earnings coverage of net charge-offs (x) | 14.6552% | 1,652 |
| Efficiency ratio | 45.9746% | 7,843 |
| Assets per employee ($millions) | 12.2859% | 162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3578% | 3,746 |
| Loan loss allowance to noncurrent loans | 66.3755% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 1.4741% | 3,720 |
| Noncurrent loans to loans | 2.0456% | 3,202 |
| Net loans and leases to total assets | 71.0818% | 3,447 |
| Net loans and leases to deposits | 99.8178% | 1,436 |
| Net loans and leases to core deposits | 109.1612% | 3,544 |
| Total domestic deposits to total assets | 71.1140% | 7,318 |
| Equity capital to assets | 9.3893% | 4,820 |
| Core capital (leverage) ratio | 9.2873% | 4,263 |
| Tier 1 risk-based capital ratio | 10.8928% | 5,998 |
| Total risk-based capital ratio | 14.1969% | 4,139 |
| Memoranda: | ||
| Average total assets | $851,658,500 | 827 |
| Average earning assets | $797,230,000 | 800 |
| Average equity | $75,960,000 | 877 |
| Average total loans | $590,822,000 | 842 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4695% | 7,367 |
| Cost of funding earning assets | 1.5061% | 7,600 |
| Net interest margin | 3.9634% | 3,295 |
| Noninterest income to average assets | 0.5251% | 4,424 |
| Noninterest expense to average assets | 1.6425% | 7,922 |
| Loan and lease loss provision to assets | 0.1258% | 5,760 |
| Net operating income to assets | 1.6545% | 740 |
| Return on assets (ROA) | 1.5565% | 885 |
| Pretax return on assets | 2.3364% | 278 |
| Return on Equity (ROE) | 19.9273% | 381 |
| Retained earnings to average equity (ytd only) | 8.5346% | 698 |
| Net charge-offs to loans | -0.0289% | 7,965 |
| Credit loss provision to net charge-offs | -702.4845% | 7,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6362% | 8,149 |
| Assets per employee ($millions) | 13.1368% | 133 |
| Cash dividends to net income (ytd only)* | 57.1714% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 5,645 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.1592% | 4,816 |
| Net loans and leases to deposits | 96.5895% | 2,356 |
| Net loans and leases to core deposits | 104.8446% | 4,316 |
| Total domestic deposits to total assets | 68.2600% | 7,441 |
| Equity capital to assets | 8.4793% | 6,120 |
| Core capital (leverage) ratio | 8.6602% | 5,266 |
| Tier 1 risk-based capital ratio | 10.3328% | 6,384 |
| Total risk-based capital ratio | 13.3219% | 4,645 |
| Memoranda: | ||
| Average total assets | $899,022,600 | 740 |
| Average earning assets | $845,166,800 | 712 |
| Average equity | $70,220,400 | 949 |
| Average total loans | $557,123,600 | 855 |