Home > The Home Savings and Loan Company of Youngstown, Ohio > Performance and Condition Ratios
The Home Savings and Loan Company of Youngstown, Ohio, Performance and Condition Ratios
| 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 | 3.6437% | 4,393 |
| Cost of funding earning assets | 0.4345% | 2,660 |
| Net interest margin | 3.2092% | 4,424 |
| Noninterest income to average assets | 0.9461% | 1,272 |
| Noninterest expense to average assets | 2.3470% | 4,430 |
| Loan and lease loss provision to assets | 0.2566% | 811 |
| Net operating income to assets | 0.9237% | 2,704 |
| Return on assets (ROA) | 0.9440% | 2,721 |
| Pretax return on assets | 1.3501% | 2,105 |
| Return on Equity (ROE) | 8.6268% | 2,601 |
| Retained earnings to average equity (ytd only) | -1.6500% | 5,504 |
| Net charge-offs to loans | 0.2714% | 1,020 |
| Credit loss provision to net charge-offs | 133.6740% | 2,022 |
| Earnings coverage of net charge-offs (x) | 8.2188% | 2,900 |
| Efficiency ratio | 59.7686% | 4,621 |
| Assets per employee ($millions) | 5.1051% | 2,280 |
| Cash dividends to net income (ytd only)* | 119.1261% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2005% | 3,123 |
| Loan loss allowance to noncurrent loans | 151.0659% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 0.6550% | 2,755 |
| Noncurrent loans to loans | 0.7947% | 2,530 |
| Net loans and leases to total assets | 71.6357% | 2,215 |
| Net loans and leases to deposits | 99.8514% | 679 |
| Net loans and leases to core deposits | 109.5459% | 928 |
| Total domestic deposits to total assets | 71.7423% | 5,577 |
| Equity capital to assets | 9.8843% | 3,836 |
| Core capital (leverage) ratio | 10.6502% | 2,720 |
| Tier 1 risk-based capital ratio | 15.2214% | 2,879 |
| Total risk-based capital ratio | 16.4740% | 2,807 |
| Memoranda: | ||
| Average total assets | $2,089,831,400 | 384 |
| Average earning assets | $1,939,816,000 | 377 |
| Average equity | $228,671,200 | 387 |
| Average total loans | $1,478,481,200 | 377 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6299% | 4,469 |
| Cost of funding earning assets | 0.4357% | 2,680 |
| Net interest margin | 3.1942% | 4,507 |
| Noninterest income to average assets | 0.9401% | 1,273 |
| Noninterest expense to average assets | 2.3631% | 4,372 |
| Loan and lease loss provision to assets | 0.2499% | 758 |
| Net operating income to assets | 0.8825% | 2,995 |
| Return on assets (ROA) | 0.9090% | 2,993 |
| Pretax return on assets | 1.3331% | 2,295 |
| Return on Equity (ROE) | 8.0998% | 2,958 |
| Retained earnings to average equity (ytd only) | 2.3459% | 4,511 |
| Net charge-offs to loans | 0.3098% | 746 |
| Credit loss provision to net charge-offs | 114.7687% | 2,163 |
| Earnings coverage of net charge-offs (x) | 7.0910% | 2,920 |
| Efficiency ratio | 60.4426% | 4,473 |
| Assets per employee ($millions) | 5.0772% | 2,283 |
| Cash dividends to net income (ytd only)* | 71.0379% | 1,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1708% | 3,419 |
| Loan loss allowance to noncurrent loans | 91.8723% | 3,790 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 2,067 |
| Noncurrent loans to loans | 1.2744% | 1,756 |
| Net loans and leases to total assets | 71.2331% | 2,311 |
| Net loans and leases to deposits | 101.9507% | 573 |
| Net loans and leases to core deposits | 108.4743% | 1,018 |
| Total domestic deposits to total assets | 69.8702% | 5,704 |
| Equity capital to assets | 10.8720% | 3,167 |
| Core capital (leverage) ratio | 11.2792% | 2,208 |
| Tier 1 risk-based capital ratio | 15.9742% | 2,636 |
| Total risk-based capital ratio | 17.2109% | 2,580 |
| Memoranda: | ||
| Average total assets | $2,064,765,000 | 387 |
| Average earning assets | $1,917,966,500 | 380 |
| Average equity | $231,720,000 | 385 |
| Average total loans | $1,451,113,000 | 384 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6497% | 4,452 |
| Cost of funding earning assets | 0.4465% | 2,603 |
| Net interest margin | 3.2032% | 4,531 |
| Noninterest income to average assets | 0.9039% | 1,364 |
| Noninterest expense to average assets | 2.3922% | 4,357 |
| Loan and lease loss provision to assets | 0.2495% | 774 |
| Net operating income to assets | 0.8342% | 3,156 |
| Return on assets (ROA) | 0.8600% | 3,174 |
| Pretax return on assets | 1.2709% | 2,521 |
| Return on Equity (ROE) | 7.5793% | 3,218 |
| Retained earnings to average equity (ytd only) | 7.5793% | 1,348 |
| Net charge-offs to loans | 0.4363% | 518 |
| Credit loss provision to net charge-offs | 82.1036% | 2,346 |
| Earnings coverage of net charge-offs (x) | 4.8783% | 2,931 |
| Efficiency ratio | 61.6827% | 4,390 |
| Assets per employee ($millions) | 4.7788% | 2,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1736% | 3,507 |
| Loan loss allowance to noncurrent loans | 83.4095% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 1.0672% | 1,993 |
| Noncurrent loans to loans | 1.4070% | 1,584 |
| Net loans and leases to total assets | 69.5093% | 2,551 |
| Net loans and leases to deposits | 97.1304% | 953 |
| Net loans and leases to core deposits | 101.5067% | 1,510 |
| Total domestic deposits to total assets | 71.5628% | 5,694 |
| Equity capital to assets | 11.5758% | 2,470 |
| Core capital (leverage) ratio | 11.6851% | 1,855 |
| Tier 1 risk-based capital ratio | 17.3109% | 2,129 |
| Total risk-based capital ratio | 18.5637% | 2,089 |
| Memoranda: | ||
| Average total assets | $2,033,744,000 | 393 |
| Average earning assets | $1,886,141,000 | 384 |
| Average equity | $230,760,670 | 382 |
| Average total loans | $1,416,384,670 | 391 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6566% | 4,455 |
| Cost of funding earning assets | 0.4613% | 2,453 |
| Net interest margin | 3.1953% | 4,596 |
| Noninterest income to average assets | 0.8286% | 1,522 |
| Noninterest expense to average assets | 2.3838% | 4,415 |
| Loan and lease loss provision to assets | 0.4286% | 308 |
| Net operating income to assets | 0.6576% | 3,941 |
| Return on assets (ROA) | 0.6780% | 3,952 |
| Pretax return on assets | 1.0046% | 3,466 |
| Return on Equity (ROE) | 6.0384% | 3,969 |
| Retained earnings to average equity (ytd only) | 6.0384% | 2,355 |
| Net charge-offs to loans | 0.8508% | 240 |
| Credit loss provision to net charge-offs | 72.7058% | 1,889 |
| Earnings coverage of net charge-offs (x) | 2.3796% | 2,689 |
| Efficiency ratio | 62.8867% | 4,311 |
| Assets per employee ($millions) | 4.7633% | 2,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 3,509 |
| Loan loss allowance to noncurrent loans | 83.3975% | 4,016 |
| Noncurrent assets plus other real estate owned to assets | 1.0866% | 2,035 |
| Noncurrent loans to loans | 1.4331% | 1,655 |
| Net loans and leases to total assets | 68.7045% | 2,542 |
| Net loans and leases to deposits | 93.0306% | 1,223 |
| Net loans and leases to core deposits | 97.1343% | 1,694 |
| Total domestic deposits to total assets | 73.8515% | 5,618 |
| Equity capital to assets | 11.3460% | 2,579 |
| Core capital (leverage) ratio | 11.5273% | 1,953 |
| Tier 1 risk-based capital ratio | 17.1337% | 2,239 |
| Total risk-based capital ratio | 18.3894% | 2,206 |
| Memoranda: | ||
| Average total assets | $2,011,217,500 | 394 |
| Average earning assets | $1,861,836,000 | 390 |
| Average equity | $225,822,000 | 386 |
| Average total loans | $1,393,519,000 | 393 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7234% | 4,296 |
| Cost of funding earning assets | 0.5170% | 2,016 |
| Net interest margin | 3.2065% | 4,612 |
| Noninterest income to average assets | 1.0216% | 1,132 |
| Noninterest expense to average assets | 2.5531% | 4,063 |
| Loan and lease loss provision to assets | 0.1114% | 2,134 |
| Net operating income to assets | 0.8794% | 2,981 |
| Return on assets (ROA) | 0.8844% | 3,043 |
| Pretax return on assets | 1.3150% | 2,227 |
| Return on Equity (ROE) | 7.5578% | 3,211 |
| Retained earnings to average equity (ytd only) | 7.5578% | 1,079 |
| Net charge-offs to loans | 0.1649% | 1,717 |
| Credit loss provision to net charge-offs | 101.1848% | 2,474 |
| Earnings coverage of net charge-offs (x) | 12.8839% | 2,417 |
| Efficiency ratio | 64.2040% | 4,217 |
| Assets per employee ($millions) | 4.7345% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 2,959 |
| Loan loss allowance to noncurrent loans | 101.6879% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0093% | 2,177 |
| Noncurrent loans to loans | 1.2689% | 1,857 |
| Net loans and leases to total assets | 68.1427% | 2,687 |
| Net loans and leases to deposits | 91.4693% | 1,458 |
| Net loans and leases to core deposits | 95.5955% | 1,887 |
| Total domestic deposits to total assets | 74.4979% | 5,600 |
| Equity capital to assets | 11.1076% | 2,722 |
| Core capital (leverage) ratio | 11.4611% | 1,987 |
| Tier 1 risk-based capital ratio | 17.4563% | 2,137 |
| Total risk-based capital ratio | 18.7169% | 2,085 |
| Memoranda: | ||
| Average total assets | $1,915,744,600 | 391 |
| Average earning assets | $1,762,777,000 | 384 |
| Average equity | $224,179,000 | 379 |
| Average total loans | $1,279,318,200 | 394 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7305% | 4,326 |
| Cost of funding earning assets | 0.5174% | 2,063 |
| Net interest margin | 3.2132% | 4,633 |
| Noninterest income to average assets | 1.0013% | 1,179 |
| Noninterest expense to average assets | 2.5583% | 4,020 |
| Loan and lease loss provision to assets | 0.0873% | 2,408 |
| Net operating income to assets | 0.8742% | 3,070 |
| Return on assets (ROA) | 0.8747% | 3,150 |
| Pretax return on assets | 1.3099% | 2,355 |
| Return on Equity (ROE) | 7.3768% | 3,417 |
| Retained earnings to average equity (ytd only) | 7.3768% | 1,507 |
| Net charge-offs to loans | 0.1536% | 1,604 |
| Credit loss provision to net charge-offs | 85.8328% | 2,524 |
| Earnings coverage of net charge-offs (x) | 13.7346% | 2,299 |
| Efficiency ratio | 64.6169% | 4,137 |
| Assets per employee ($millions) | 4.7055% | 2,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 3,045 |
| Loan loss allowance to noncurrent loans | 112.7289% | 3,429 |
| Noncurrent assets plus other real estate owned to assets | 0.9520% | 2,472 |
| Noncurrent loans to loans | 1.1606% | 2,199 |
| Net loans and leases to total assets | 66.8866% | 2,866 |
| Net loans and leases to deposits | 91.8129% | 1,430 |
| Net loans and leases to core deposits | 94.6643% | 2,017 |
| Total domestic deposits to total assets | 72.8511% | 5,802 |
| Equity capital to assets | 11.8422% | 2,227 |
| Core capital (leverage) ratio | 12.0132% | 1,666 |
| Tier 1 risk-based capital ratio | 18.4074% | 1,924 |
| Total risk-based capital ratio | 19.6701% | 1,877 |
| Memoranda: | ||
| Average total assets | $1,897,557,500 | 398 |
| Average earning assets | $1,744,162,250 | 391 |
| Average equity | $225,005,500 | 383 |
| Average total loans | $1,255,966,500 | 400 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7420% | 4,269 |
| Cost of funding earning assets | 0.5138% | 2,126 |
| Net interest margin | 3.2282% | 4,568 |
| Noninterest income to average assets | 1.0018% | 1,178 |
| Noninterest expense to average assets | 2.6020% | 3,902 |
| Loan and lease loss provision to assets | 0.0608% | 2,892 |
| Net operating income to assets | 0.8696% | 3,046 |
| Return on assets (ROA) | 0.8704% | 3,143 |
| Pretax return on assets | 1.3016% | 2,357 |
| Return on Equity (ROE) | 7.3373% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.3373% | 1,551 |
| Net charge-offs to loans | 0.2237% | 1,147 |
| Credit loss provision to net charge-offs | 41.3818% | 2,794 |
| Earnings coverage of net charge-offs (x) | 9.2705% | 2,471 |
| Efficiency ratio | 65.5808% | 4,090 |
| Assets per employee ($millions) | 4.5600% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 3,138 |
| Loan loss allowance to noncurrent loans | 86.4850% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 2,154 |
| Noncurrent loans to loans | 1.5250% | 1,742 |
| Net loans and leases to total assets | 65.6364% | 3,015 |
| Net loans and leases to deposits | 86.0760% | 2,045 |
| Net loans and leases to core deposits | 88.6429% | 2,494 |
| Total domestic deposits to total assets | 76.2540% | 5,566 |
| Equity capital to assets | 11.6329% | 2,307 |
| Core capital (leverage) ratio | 11.9446% | 1,694 |
| Tier 1 risk-based capital ratio | 18.4236% | 1,940 |
| Total risk-based capital ratio | 19.6898% | 1,904 |
| Memoranda: | ||
| Average total assets | $1,872,878,670 | 403 |
| Average earning assets | $1,718,105,330 | 395 |
| Average equity | $222,180,330 | 387 |
| Average total loans | $1,229,217,000 | 408 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7808% | 4,085 |
| Cost of funding earning assets | 0.5079% | 2,221 |
| Net interest margin | 3.2729% | 4,338 |
| Noninterest income to average assets | 0.8894% | 1,423 |
| Noninterest expense to average assets | 2.6895% | 3,624 |
| Loan and lease loss provision to assets | -0.0398% | 6,141 |
| Net operating income to assets | 0.8334% | 3,094 |
| Return on assets (ROA) | 0.8350% | 3,212 |
| Pretax return on assets | 1.2478% | 2,482 |
| Return on Equity (ROE) | 6.9684% | 3,523 |
| Retained earnings to average equity (ytd only) | 6.9684% | 2,024 |
| Net charge-offs to loans | 0.0937% | 1,787 |
| Credit loss provision to net charge-offs | -65.2482% | 4,426 |
| Earnings coverage of net charge-offs (x) | 19.7411% | 1,438 |
| Efficiency ratio | 68.9720% | 3,668 |
| Assets per employee ($millions) | 4.4942% | 3,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4127% | 2,858 |
| Loan loss allowance to noncurrent loans | 83.3826% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 1.2663% | 2,107 |
| Noncurrent loans to loans | 1.6942% | 1,625 |
| Net loans and leases to total assets | 64.5942% | 3,009 |
| Net loans and leases to deposits | 83.2462% | 2,172 |
| Net loans and leases to core deposits | 84.7254% | 2,689 |
| Total domestic deposits to total assets | 77.5941% | 5,521 |
| Equity capital to assets | 12.1099% | 1,952 |
| Core capital (leverage) ratio | 11.9861% | 1,647 |
| Tier 1 risk-based capital ratio | 19.4521% | 1,748 |
| Total risk-based capital ratio | 20.7201% | 1,701 |
| Memoranda: | ||
| Average total assets | $1,847,154,000 | 405 |
| Average earning assets | $1,696,342,500 | 400 |
| Average equity | $221,343,000 | 386 |
| Average total loans | $1,203,855,500 | 416 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8683% | 4,250 |
| Cost of funding earning assets | 0.7233% | 985 |
| Net interest margin | 3.1450% | 5,083 |
| Noninterest income to average assets | 0.7454% | 2,100 |
| Noninterest expense to average assets | 3.0895% | 2,558 |
| Loan and lease loss provision to assets | -0.0713% | 6,093 |
| Net operating income to assets | 2.7246% | 118 |
| Return on assets (ROA) | 2.7309% | 116 |
| Pretax return on assets | 0.6168% | 4,888 |
| Return on Equity (ROE) | 25.9417% | 92 |
| Retained earnings to average equity (ytd only) | 25.9417% | 34 |
| Net charge-offs to loans | 0.1926% | 2,124 |
| Credit loss provision to net charge-offs | -58.8971% | 5,441 |
| Earnings coverage of net charge-offs (x) | 4.4555% | 3,646 |
| Efficiency ratio | 85.0356% | 1,276 |
| Assets per employee ($millions) | 4.2844% | 3,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4880% | 2,533 |
| Loan loss allowance to noncurrent loans | 84.2760% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.3269% | 2,117 |
| Noncurrent loans to loans | 1.7656% | 1,633 |
| Net loans and leases to total assets | 63.8577% | 3,248 |
| Net loans and leases to deposits | 84.2168% | 2,184 |
| Net loans and leases to core deposits | 85.3509% | 2,746 |
| Total domestic deposits to total assets | 75.8254% | 5,756 |
| Equity capital to assets | 11.8541% | 2,126 |
| Core capital (leverage) ratio | 12.1161% | 1,555 |
| Tier 1 risk-based capital ratio | 19.8713% | 1,621 |
| Total risk-based capital ratio | 21.1256% | 1,592 |
| Memoranda: | ||
| Average total assets | $1,783,224,400 | 405 |
| Average earning assets | $1,634,781,000 | 401 |
| Average equity | $187,721,200 | 427 |
| Average total loans | $1,120,192,000 | 420 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8806% | 4,236 |
| Cost of funding earning assets | 0.7543% | 876 |
| Net interest margin | 3.1263% | 5,179 |
| Noninterest income to average assets | 0.7885% | 1,936 |
| Noninterest expense to average assets | 3.1074% | 2,451 |
| Loan and lease loss provision to assets | -0.1103% | 6,292 |
| Net operating income to assets | 3.4518% | 71 |
| Return on assets (ROA) | 3.4540% | 70 |
| Pretax return on assets | 0.6600% | 4,840 |
| Return on Equity (ROE) | 33.9181% | 44 |
| Retained earnings to average equity (ytd only) | 33.9181% | 23 |
| Net charge-offs to loans | 0.1836% | 1,988 |
| Credit loss provision to net charge-offs | -96.4450% | 5,444 |
| Earnings coverage of net charge-offs (x) | 4.7860% | 3,382 |
| Efficiency ratio | 84.9143% | 1,294 |
| Assets per employee ($millions) | 4.2577% | 3,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5756% | 2,394 |
| Loan loss allowance to noncurrent loans | 85.8238% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 1.4199% | 2,175 |
| Noncurrent loans to loans | 1.8359% | 1,746 |
| Net loans and leases to total assets | 62.8903% | 3,359 |
| Net loans and leases to deposits | 81.7499% | 2,461 |
| Net loans and leases to core deposits | 88.3470% | 2,385 |
| Total domestic deposits to total assets | 76.9301% | 5,687 |
| Equity capital to assets | 11.5546% | 2,426 |
| Core capital (leverage) ratio | 12.0519% | 1,670 |
| Tier 1 risk-based capital ratio | 19.9375% | 1,688 |
| Total risk-based capital ratio | 21.1927% | 1,657 |
| Memoranda: | ||
| Average total assets | $1,770,598,750 | 407 |
| Average earning assets | $1,623,373,750 | 401 |
| Average equity | $180,308,500 | 436 |
| Average total loans | $1,103,074,250 | 424 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 4,131 |
| Cost of funding earning assets | 0.7642% | 859 |
| Net interest margin | 3.1370% | 5,134 |
| Noninterest income to average assets | 0.7528% | 2,032 |
| Noninterest expense to average assets | 3.1001% | 2,500 |
| Loan and lease loss provision to assets | -0.1796% | 6,453 |
| Net operating income to assets | 4.9155% | 51 |
| Return on assets (ROA) | 4.9190% | 51 |
| Pretax return on assets | 0.7147% | 4,593 |
| Return on Equity (ROE) | 50.6288% | 22 |
| Retained earnings to average equity (ytd only) | 50.6288% | 13 |
| Net charge-offs to loans | 0.2338% | 1,640 |
| Credit loss provision to net charge-offs | -124.3902% | 5,297 |
| Earnings coverage of net charge-offs (x) | 3.6814% | 3,243 |
| Efficiency ratio | 85.2535% | 1,348 |
| Assets per employee ($millions) | 3.5957% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 2,345 |
| Loan loss allowance to noncurrent loans | 87.6644% | 3,950 |
| Noncurrent assets plus other real estate owned to assets | 1.4173% | 2,303 |
| Noncurrent loans to loans | 1.8647% | 1,843 |
| Net loans and leases to total assets | 61.3753% | 3,509 |
| Net loans and leases to deposits | 77.4560% | 2,874 |
| Net loans and leases to core deposits | 78.4403% | 3,384 |
| Total domestic deposits to total assets | 79.2389% | 5,405 |
| Equity capital to assets | 11.4808% | 2,444 |
| Core capital (leverage) ratio | 12.0514% | 1,625 |
| Tier 1 risk-based capital ratio | 20.0012% | 1,685 |
| Total risk-based capital ratio | 21.2572% | 1,653 |
| Memoranda: | ||
| Average total assets | $1,760,464,330 | 403 |
| Average earning assets | $1,615,621,330 | 399 |
| Average equity | $171,045,000 | 450 |
| Average total loans | $1,087,170,000 | 427 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9011% | 4,084 |
| Cost of funding earning assets | 0.7708% | 874 |
| Net interest margin | 3.1303% | 5,144 |
| Noninterest income to average assets | 0.7380% | 2,000 |
| Noninterest expense to average assets | 3.0648% | 2,639 |
| Loan and lease loss provision to assets | 0.0076% | 3,719 |
| Net operating income to assets | 0.5177% | 4,597 |
| Return on assets (ROA) | 0.5177% | 4,671 |
| Pretax return on assets | 0.5535% | 4,999 |
| Return on Equity (ROE) | 5.8761% | 4,087 |
| Retained earnings to average equity (ytd only) | 5.8761% | 2,609 |
| Net charge-offs to loans | 0.2220% | 1,435 |
| Credit loss provision to net charge-offs | 5.5462% | 2,647 |
| Earnings coverage of net charge-offs (x) | 4.1143% | 2,571 |
| Efficiency ratio | 84.4068% | 1,624 |
| Assets per employee ($millions) | 3.6028% | 4,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8897% | 1,786 |
| Loan loss allowance to noncurrent loans | 87.7963% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 1.6055% | 2,191 |
| Noncurrent loans to loans | 2.1524% | 1,700 |
| Net loans and leases to total assets | 60.9458% | 3,408 |
| Net loans and leases to deposits | 74.0662% | 3,054 |
| Net loans and leases to core deposits | 74.7789% | 3,559 |
| Total domestic deposits to total assets | 82.2855% | 4,859 |
| Equity capital to assets | 9.2107% | 4,865 |
| Core capital (leverage) ratio | 10.7053% | 2,698 |
| Tier 1 risk-based capital ratio | 18.4204% | 2,144 |
| Total risk-based capital ratio | 19.6795% | 2,105 |
| Memoranda: | ||
| Average total assets | $1,745,359,000 | 405 |
| Average earning assets | $1,610,214,500 | 398 |
| Average equity | $153,775,500 | 489 |
| Average total loans | $1,072,107,000 | 428 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 4,351 |
| Cost of funding earning assets | 0.8134% | 1,137 |
| Net interest margin | 3.1168% | 5,265 |
| Noninterest income to average assets | 0.9578% | 1,503 |
| Noninterest expense to average assets | 3.1239% | 2,662 |
| Loan and lease loss provision to assets | 0.2305% | 1,571 |
| Net operating income to assets | 0.4734% | 4,851 |
| Return on assets (ROA) | 0.6149% | 4,311 |
| Pretax return on assets | 0.6261% | 4,785 |
| Return on Equity (ROE) | 6.8177% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.8177% | 1,521 |
| Net charge-offs to loans | 0.3899% | 1,727 |
| Credit loss provision to net charge-offs | 99.6610% | 2,489 |
| Earnings coverage of net charge-offs (x) | 3.0794% | 3,959 |
| Efficiency ratio | 81.3072% | 1,976 |
| Assets per employee ($millions) | 3.6321% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9986% | 1,556 |
| Loan loss allowance to noncurrent loans | 88.1523% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 1.7400% | 2,127 |
| Noncurrent loans to loans | 2.2672% | 1,704 |
| Net loans and leases to total assets | 59.5145% | 3,793 |
| Net loans and leases to deposits | 71.7960% | 3,549 |
| Net loans and leases to core deposits | 78.0154% | 3,363 |
| Total domestic deposits to total assets | 82.8939% | 4,580 |
| Equity capital to assets | 8.4078% | 5,682 |
| Core capital (leverage) ratio | 10.5027% | 2,918 |
| Tier 1 risk-based capital ratio | 18.5039% | 2,079 |
| Total risk-based capital ratio | 19.7641% | 2,045 |
| Memoranda: | ||
| Average total assets | $1,785,581,800 | 388 |
| Average earning assets | $1,648,930,200 | 380 |
| Average equity | $161,037,000 | 467 |
| Average total loans | $1,059,219,600 | 412 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8932% | 4,532 |
| Cost of funding earning assets | 0.8168% | 1,224 |
| Net interest margin | 3.0763% | 5,385 |
| Noninterest income to average assets | 0.9630% | 1,570 |
| Noninterest expense to average assets | 3.0521% | 2,816 |
| Loan and lease loss provision to assets | 0.2845% | 1,215 |
| Net operating income to assets | 0.4440% | 5,047 |
| Return on assets (ROA) | 0.6238% | 4,372 |
| Pretax return on assets | 0.6609% | 4,818 |
| Return on Equity (ROE) | 6.8054% | 3,763 |
| Retained earnings to average equity (ytd only) | 6.8054% | 1,971 |
| Net charge-offs to loans | 0.4946% | 1,299 |
| Credit loss provision to net charge-offs | 97.5076% | 2,451 |
| Earnings coverage of net charge-offs (x) | 2.5849% | 3,976 |
| Efficiency ratio | 80.0608% | 2,092 |
| Assets per employee ($millions) | 3.6695% | 4,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0341% | 1,643 |
| Loan loss allowance to noncurrent loans | 75.0339% | 4,231 |
| Noncurrent assets plus other real estate owned to assets | 2.1224% | 1,879 |
| Noncurrent loans to loans | 2.7109% | 1,557 |
| Net loans and leases to total assets | 57.6302% | 4,072 |
| Net loans and leases to deposits | 69.7020% | 3,826 |
| Net loans and leases to core deposits | 70.4166% | 4,276 |
| Total domestic deposits to total assets | 82.6808% | 4,693 |
| Equity capital to assets | 8.7625% | 5,452 |
| Core capital (leverage) ratio | 10.2638% | 3,297 |
| Tier 1 risk-based capital ratio | 18.5221% | 2,135 |
| Total risk-based capital ratio | 19.7827% | 2,100 |
| Memoranda: | ||
| Average total assets | $1,797,035,000 | 384 |
| Average earning assets | $1,660,851,250 | 379 |
| Average equity | $164,727,250 | 458 |
| Average total loans | $1,059,892,000 | 410 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8759% | 4,562 |
| Cost of funding earning assets | 0.8199% | 1,306 |
| Net interest margin | 3.0560% | 5,409 |
| Noninterest income to average assets | 1.0436% | 1,400 |
| Noninterest expense to average assets | 3.0795% | 2,728 |
| Loan and lease loss provision to assets | 0.3510% | 945 |
| Net operating income to assets | 0.4313% | 5,103 |
| Return on assets (ROA) | 0.7104% | 3,926 |
| Pretax return on assets | 0.7270% | 4,588 |
| Return on Equity (ROE) | 7.6413% | 3,268 |
| Retained earnings to average equity (ytd only) | 7.6413% | 1,614 |
| Net charge-offs to loans | 0.9864% | 618 |
| Credit loss provision to net charge-offs | 60.2846% | 3,012 |
| Earnings coverage of net charge-offs (x) | 1.3622% | 4,087 |
| Efficiency ratio | 79.3872% | 2,241 |
| Assets per employee ($millions) | 3.7188% | 4,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8340% | 2,321 |
| Loan loss allowance to noncurrent loans | 63.8783% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.2924% | 1,889 |
| Noncurrent loans to loans | 2.8710% | 1,570 |
| Net loans and leases to total assets | 56.9669% | 4,140 |
| Net loans and leases to deposits | 68.9659% | 3,863 |
| Net loans and leases to core deposits | 69.6780% | 4,301 |
| Total domestic deposits to total assets | 82.6016% | 4,853 |
| Equity capital to assets | 8.6150% | 5,652 |
| Core capital (leverage) ratio | 10.0337% | 3,463 |
| Tier 1 risk-based capital ratio | 18.1662% | 2,266 |
| Total risk-based capital ratio | 19.4241% | 2,221 |
| Memoranda: | ||
| Average total assets | $1,810,150,000 | 380 |
| Average earning assets | $1,675,783,670 | 373 |
| Average equity | $168,297,000 | 449 |
| Average total loans | $1,068,525,330 | 405 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 4,439 |
| Cost of funding earning assets | 0.8348% | 1,341 |
| Net interest margin | 3.0736% | 5,355 |
| Noninterest income to average assets | 1.0837% | 1,257 |
| Noninterest expense to average assets | 3.0118% | 2,952 |
| Loan and lease loss provision to assets | 0.4534% | 626 |
| Net operating income to assets | 0.4646% | 4,855 |
| Return on assets (ROA) | 0.6230% | 4,262 |
| Pretax return on assets | 0.6230% | 4,865 |
| Return on Equity (ROE) | 6.4677% | 3,782 |
| Retained earnings to average equity (ytd only) | 6.4677% | 2,422 |
| Net charge-offs to loans | 0.5045% | 1,195 |
| Credit loss provision to net charge-offs | 150.9876% | 1,358 |
| Earnings coverage of net charge-offs (x) | 3.0571% | 2,854 |
| Efficiency ratio | 76.5107% | 2,842 |
| Assets per employee ($millions) | 3.8276% | 4,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0470% | 1,924 |
| Loan loss allowance to noncurrent loans | 48.0295% | 5,242 |
| Noncurrent assets plus other real estate owned to assets | 3.3159% | 1,320 |
| Noncurrent loans to loans | 4.2620% | 1,016 |
| Net loans and leases to total assets | 56.9677% | 3,932 |
| Net loans and leases to deposits | 69.6367% | 3,551 |
| Net loans and leases to core deposits | 70.2960% | 4,041 |
| Total domestic deposits to total assets | 81.8070% | 5,266 |
| Equity capital to assets | 10.0014% | 4,151 |
| Core capital (leverage) ratio | 9.8410% | 3,612 |
| Tier 1 risk-based capital ratio | 17.0162% | 2,743 |
| Total risk-based capital ratio | 18.2762% | 2,711 |
| Memoranda: | ||
| Average total assets | $1,820,855,500 | 384 |
| Average earning assets | $1,686,114,000 | 377 |
| Average equity | $175,395,500 | 435 |
| Average total loans | $1,083,774,500 | 403 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4067% | 3,787 |
| Cost of funding earning assets | 1.0115% | 1,292 |
| Net interest margin | 3.3951% | 4,900 |
| Noninterest income to average assets | 0.8523% | 2,029 |
| Noninterest expense to average assets | 3.3484% | 2,193 |
| Loan and lease loss provision to assets | 2.0422% | 96 |
| Net operating income to assets | -1.3415% | 6,829 |
| Return on assets (ROA) | -1.0262% | 6,771 |
| Pretax return on assets | -1.0711% | 6,749 |
| Return on Equity (ROE) | -10.9946% | 6,749 |
| Retained earnings to average equity (ytd only) | -10.9946% | 6,673 |
| Net charge-offs to loans | 4.7693% | 39 |
| Credit loss provision to net charge-offs | 65.0365% | 4,319 |
| Earnings coverage of net charge-offs (x) | 0.2046% | 5,374 |
| Efficiency ratio | 83.7567% | 1,659 |
| Assets per employee ($millions) | 3.8231% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9187% | 2,237 |
| Loan loss allowance to noncurrent loans | 44.2198% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 3.6420% | 1,221 |
| Noncurrent loans to loans | 4.3390% | 1,010 |
| Net loans and leases to total assets | 59.7323% | 3,650 |
| Net loans and leases to deposits | 72.5692% | 3,314 |
| Net loans and leases to core deposits | 73.3026% | 3,878 |
| Total domestic deposits to total assets | 82.3109% | 4,992 |
| Equity capital to assets | 9.2586% | 5,200 |
| Core capital (leverage) ratio | 8.6960% | 5,333 |
| Tier 1 risk-based capital ratio | 14.9466% | 3,745 |
| Total risk-based capital ratio | 16.2054% | 3,697 |
| Memoranda: | ||
| Average total assets | $1,925,595,000 | 367 |
| Average earning assets | $1,780,171,600 | 348 |
| Average equity | $179,723,800 | 417 |
| Average total loans | $1,267,817,200 | 345 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4728% | 3,740 |
| Cost of funding earning assets | 1.0487% | 1,288 |
| Net interest margin | 3.4241% | 4,949 |
| Noninterest income to average assets | 0.7247% | 2,599 |
| Noninterest expense to average assets | 3.4331% | 1,923 |
| Loan and lease loss provision to assets | 2.5387% | 61 |
| Net operating income to assets | -1.8495% | 7,025 |
| Return on assets (ROA) | -1.5362% | 6,985 |
| Pretax return on assets | -1.7286% | 6,987 |
| Return on Equity (ROE) | -16.4286% | 6,949 |
| Retained earnings to average equity (ytd only) | -16.4286% | 6,928 |
| Net charge-offs to loans | 6.0529% | 24 |
| Credit loss provision to net charge-offs | 62.6165% | 4,081 |
| Earnings coverage of net charge-offs (x) | 0.1130% | 5,283 |
| Efficiency ratio | 88.0815% | 1,186 |
| Assets per employee ($millions) | 3.5279% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7736% | 2,880 |
| Loan loss allowance to noncurrent loans | 43.0621% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 3.6204% | 1,378 |
| Noncurrent loans to loans | 4.1187% | 1,223 |
| Net loans and leases to total assets | 60.6402% | 3,647 |
| Net loans and leases to deposits | 73.6377% | 3,355 |
| Net loans and leases to core deposits | 74.4525% | 3,919 |
| Total domestic deposits to total assets | 82.3495% | 4,898 |
| Equity capital to assets | 9.1831% | 5,614 |
| Core capital (leverage) ratio | 8.2688% | 6,062 |
| Tier 1 risk-based capital ratio | 14.5907% | 4,125 |
| Total risk-based capital ratio | 15.8482% | 4,090 |
| Memoranda: | ||
| Average total assets | $1,954,917,500 | 362 |
| Average earning assets | $1,807,880,250 | 344 |
| Average equity | $182,798,750 | 404 |
| Average total loans | $1,309,453,250 | 336 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6029% | 3,346 |
| Cost of funding earning assets | 1.1010% | 1,217 |
| Net interest margin | 3.5018% | 4,656 |
| Noninterest income to average assets | 0.8080% | 2,149 |
| Noninterest expense to average assets | 3.3363% | 2,198 |
| Loan and lease loss provision to assets | 0.6957% | 792 |
| Net operating income to assets | 0.0122% | 6,304 |
| Return on assets (ROA) | 0.4099% | 5,413 |
| Pretax return on assets | 0.4099% | 5,688 |
| Return on Equity (ROE) | 4.3594% | 5,108 |
| Retained earnings to average equity (ytd only) | 4.3594% | 3,712 |
| Net charge-offs to loans | 2.6706% | 249 |
| Credit loss provision to net charge-offs | 37.9827% | 4,309 |
| Earnings coverage of net charge-offs (x) | 0.3865% | 4,887 |
| Efficiency ratio | 82.3540% | 1,838 |
| Assets per employee ($millions) | 3.5368% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3951% | 1,423 |
| Loan loss allowance to noncurrent loans | 27.0091% | 6,279 |
| Noncurrent assets plus other real estate owned to assets | 7.2703% | 513 |
| Noncurrent loans to loans | 8.8678% | 353 |
| Net loans and leases to total assets | 66.0030% | 2,667 |
| Net loans and leases to deposits | 80.6753% | 2,281 |
| Net loans and leases to core deposits | 81.5891% | 3,008 |
| Total domestic deposits to total assets | 81.8131% | 5,198 |
| Equity capital to assets | 10.0498% | 4,259 |
| Core capital (leverage) ratio | 9.3236% | 4,420 |
| Tier 1 risk-based capital ratio | 15.1596% | 3,659 |
| Total risk-based capital ratio | 16.4256% | 3,617 |
| Memoranda: | ||
| Average total assets | $1,996,231,000 | 359 |
| Average earning assets | $1,844,801,670 | 343 |
| Average equity | $187,685,000 | 391 |
| Average total loans | $1,369,152,000 | 326 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5768% | 3,611 |
| Cost of funding earning assets | 1.2060% | 956 |
| Net interest margin | 3.3708% | 5,236 |
| Noninterest income to average assets | 0.9167% | 1,679 |
| Noninterest expense to average assets | 3.1944% | 2,616 |
| Loan and lease loss provision to assets | 0.1334% | 3,689 |
| Net operating income to assets | 0.7037% | 3,869 |
| Return on assets (ROA) | 0.7849% | 3,687 |
| Pretax return on assets | 0.7849% | 4,475 |
| Return on Equity (ROE) | 8.6269% | 2,985 |
| Retained earnings to average equity (ytd only) | 8.6269% | 1,723 |
| Net charge-offs to loans | 2.3944% | 352 |
| Credit loss provision to net charge-offs | 8.0683% | 3,927 |
| Earnings coverage of net charge-offs (x) | 0.5064% | 4,086 |
| Efficiency ratio | 79.0951% | 2,332 |
| Assets per employee ($millions) | 3.8951% | 4,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5027% | 1,349 |
| Loan loss allowance to noncurrent loans | 31.4111% | 6,100 |
| Noncurrent assets plus other real estate owned to assets | 6.7691% | 644 |
| Noncurrent loans to loans | 7.9676% | 490 |
| Net loans and leases to total assets | 65.7670% | 2,506 |
| Net loans and leases to deposits | 84.4698% | 1,601 |
| Net loans and leases to core deposits | 85.4540% | 2,352 |
| Total domestic deposits to total assets | 77.8586% | 6,280 |
| Equity capital to assets | 9.1095% | 5,343 |
| Core capital (leverage) ratio | 8.9581% | 4,904 |
| Tier 1 risk-based capital ratio | 13.9402% | 4,511 |
| Total risk-based capital ratio | 15.2071% | 4,469 |
| Memoranda: | ||
| Average total assets | $2,039,416,000 | 346 |
| Average earning assets | $1,884,539,500 | 339 |
| Average equity | $185,558,500 | 393 |
| Average total loans | $1,407,978,500 | 318 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9638% | 3,060 |
| Cost of funding earning assets | 1.6073% | 466 |
| Net interest margin | 3.3565% | 5,622 |
| Noninterest income to average assets | 0.6964% | 2,624 |
| Noninterest expense to average assets | 2.9780% | 3,676 |
| Loan and lease loss provision to assets | 1.1705% | 762 |
| Net operating income to assets | -0.3582% | 6,385 |
| Return on assets (ROA) | 0.0506% | 6,070 |
| Pretax return on assets | 0.0506% | 6,047 |
| Return on Equity (ROE) | 0.5949% | 6,038 |
| Retained earnings to average equity (ytd only) | 0.5949% | 5,565 |
| Net charge-offs to loans | 2.1038% | 638 |
| Credit loss provision to net charge-offs | 74.1170% | 4,698 |
| Earnings coverage of net charge-offs (x) | 0.5144% | 5,445 |
| Efficiency ratio | 78.3942% | 2,540 |
| Assets per employee ($millions) | 3.7388% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9426% | 859 |
| Loan loss allowance to noncurrent loans | 34.3401% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 7.6721% | 556 |
| Noncurrent loans to loans | 8.5689% | 435 |
| Net loans and leases to total assets | 68.5517% | 2,304 |
| Net loans and leases to deposits | 86.1816% | 1,645 |
| Net loans and leases to core deposits | 87.1457% | 2,484 |
| Total domestic deposits to total assets | 79.5432% | 5,860 |
| Equity capital to assets | 9.0876% | 5,430 |
| Core capital (leverage) ratio | 8.6073% | 5,385 |
| Tier 1 risk-based capital ratio | 13.2975% | 4,834 |
| Total risk-based capital ratio | 14.5708% | 4,803 |
| Memoranda: | ||
| Average total assets | $2,106,621,200 | 327 |
| Average earning assets | $1,941,873,400 | 317 |
| Average equity | $179,016,600 | 394 |
| Average total loans | $1,581,357,600 | 289 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0322% | 2,927 |
| Cost of funding earning assets | 1.6051% | 563 |
| Net interest margin | 3.4271% | 5,475 |
| Noninterest income to average assets | 0.4874% | 3,975 |
| Noninterest expense to average assets | 2.9119% | 3,877 |
| Loan and lease loss provision to assets | 1.3976% | 522 |
| Net operating income to assets | -0.6631% | 6,736 |
| Return on assets (ROA) | -0.4450% | 6,653 |
| Pretax return on assets | -0.4450% | 6,590 |
| Return on Equity (ROE) | -5.3246% | 6,689 |
| Retained earnings to average equity (ytd only) | -5.3246% | 6,611 |
| Net charge-offs to loans | 2.3897% | 472 |
| Credit loss provision to net charge-offs | 76.8212% | 4,248 |
| Earnings coverage of net charge-offs (x) | 0.4037% | 5,316 |
| Efficiency ratio | 79.6744% | 2,300 |
| Assets per employee ($millions) | 3.8132% | 4,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9007% | 932 |
| Loan loss allowance to noncurrent loans | 32.9366% | 6,086 |
| Noncurrent assets plus other real estate owned to assets | 8.2809% | 521 |
| Noncurrent loans to loans | 8.8071% | 460 |
| Net loans and leases to total assets | 71.2631% | 1,853 |
| Net loans and leases to deposits | 86.6903% | 1,588 |
| Net loans and leases to core deposits | 87.6505% | 2,537 |
| Total domestic deposits to total assets | 82.2042% | 5,007 |
| Equity capital to assets | 8.7091% | 6,075 |
| Core capital (leverage) ratio | 8.1334% | 6,244 |
| Tier 1 risk-based capital ratio | 11.9794% | 5,908 |
| Total risk-based capital ratio | 13.2521% | 5,881 |
| Memoranda: | ||
| Average total assets | $2,124,803,000 | 329 |
| Average earning assets | $1,958,528,000 | 316 |
| Average equity | $177,562,500 | 404 |
| Average total loans | $1,617,562,250 | 279 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 2,541 |
| Cost of funding earning assets | 1.6108% | 666 |
| Net interest margin | 3.5208% | 5,068 |
| Noninterest income to average assets | 0.7264% | 2,397 |
| Noninterest expense to average assets | 2.9725% | 3,745 |
| Loan and lease loss provision to assets | 0.9746% | 905 |
| Net operating income to assets | 0.0213% | 6,186 |
| Return on assets (ROA) | 0.1631% | 5,944 |
| Pretax return on assets | 0.1631% | 5,996 |
| Return on Equity (ROE) | 1.9793% | 5,793 |
| Retained earnings to average equity (ytd only) | 1.9793% | 4,989 |
| Net charge-offs to loans | 1.8305% | 753 |
| Credit loss provision to net charge-offs | 69.1355% | 4,079 |
| Earnings coverage of net charge-offs (x) | 0.7065% | 4,766 |
| Efficiency ratio | 74.7329% | 3,236 |
| Assets per employee ($millions) | 3.8298% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9570% | 931 |
| Loan loss allowance to noncurrent loans | 33.2324% | 6,082 |
| Noncurrent assets plus other real estate owned to assets | 8.6450% | 497 |
| Noncurrent loans to loans | 8.8978% | 471 |
| Net loans and leases to total assets | 72.0175% | 1,781 |
| Net loans and leases to deposits | 88.2914% | 1,460 |
| Net loans and leases to core deposits | 89.3849% | 2,452 |
| Total domestic deposits to total assets | 81.5679% | 5,329 |
| Equity capital to assets | 8.5962% | 6,061 |
| Core capital (leverage) ratio | 8.3985% | 5,713 |
| Tier 1 risk-based capital ratio | 12.1970% | 5,615 |
| Total risk-based capital ratio | 13.4703% | 5,574 |
| Memoranda: | ||
| Average total assets | $2,141,606,330 | 331 |
| Average earning assets | $1,972,069,670 | 320 |
| Average equity | $176,530,000 | 408 |
| Average total loans | $1,649,270,000 | 280 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1772% | 2,316 |
| Cost of funding earning assets | 1.6250% | 745 |
| Net interest margin | 3.5523% | 4,802 |
| Noninterest income to average assets | 0.4968% | 3,919 |
| Noninterest expense to average assets | 2.9816% | 3,722 |
| Loan and lease loss provision to assets | 0.4061% | 2,159 |
| Net operating income to assets | 0.3801% | 5,029 |
| Return on assets (ROA) | 0.6191% | 3,999 |
| Pretax return on assets | 0.6191% | 4,607 |
| Return on Equity (ROE) | 7.6713% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.6713% | 1,852 |
| Net charge-offs to loans | 1.5742% | 861 |
| Credit loss provision to net charge-offs | 32.9129% | 4,070 |
| Earnings coverage of net charge-offs (x) | 0.6372% | 4,147 |
| Efficiency ratio | 78.9518% | 2,699 |
| Assets per employee ($millions) | 3.8382% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7769% | 1,135 |
| Loan loss allowance to noncurrent loans | 31.8225% | 6,186 |
| Noncurrent assets plus other real estate owned to assets | 8.8848% | 493 |
| Noncurrent loans to loans | 8.7263% | 528 |
| Net loans and leases to total assets | 76.7002% | 923 |
| Net loans and leases to deposits | 93.9035% | 837 |
| Net loans and leases to core deposits | 95.0727% | 1,761 |
| Total domestic deposits to total assets | 81.6798% | 5,431 |
| Equity capital to assets | 8.2652% | 6,204 |
| Core capital (leverage) ratio | 8.4432% | 5,555 |
| Tier 1 risk-based capital ratio | 11.7441% | 5,900 |
| Total risk-based capital ratio | 13.0157% | 5,893 |
| Memoranda: | ||
| Average total assets | $2,159,215,000 | 328 |
| Average earning assets | $1,988,242,000 | 318 |
| Average equity | $174,260,500 | 411 |
| Average total loans | $1,692,309,500 | 275 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2154% | 3,534 |
| Cost of funding earning assets | 1.8708% | 938 |
| Net interest margin | 3.3446% | 5,812 |
| Noninterest income to average assets | 0.5719% | 3,657 |
| Noninterest expense to average assets | 2.8968% | 4,237 |
| Loan and lease loss provision to assets | 2.7245% | 383 |
| Net operating income to assets | -1.9358% | 7,043 |
| Return on assets (ROA) | -1.5665% | 6,951 |
| Pretax return on assets | -1.5765% | 6,885 |
| Return on Equity (ROE) | -18.4021% | 7,009 |
| Retained earnings to average equity (ytd only) | -18.4021% | 6,982 |
| Net charge-offs to loans | 2.9474% | 569 |
| Credit loss provision to net charge-offs | 115.9685% | 3,713 |
| Earnings coverage of net charge-offs (x) | 0.3298% | 5,776 |
| Efficiency ratio | 78.6851% | 2,582 |
| Assets per employee ($millions) | 3.9493% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9701% | 895 |
| Loan loss allowance to noncurrent loans | 36.4672% | 5,882 |
| Noncurrent assets plus other real estate owned to assets | 8.1576% | 600 |
| Noncurrent loans to loans | 8.1446% | 626 |
| Net loans and leases to total assets | 75.5672% | 1,357 |
| Net loans and leases to deposits | 96.9444% | 788 |
| Net loans and leases to core deposits | 98.0556% | 1,795 |
| Total domestic deposits to total assets | 77.9490% | 6,324 |
| Equity capital to assets | 7.8831% | 6,607 |
| Core capital (leverage) ratio | 7.8353% | 6,396 |
| Tier 1 risk-based capital ratio | 11.2628% | 6,120 |
| Total risk-based capital ratio | 12.5372% | 6,083 |
| Memoranda: | ||
| Average total assets | $2,291,287,400 | 310 |
| Average earning assets | $2,123,593,800 | 301 |
| Average equity | $195,048,600 | 355 |
| Average total loans | $1,826,369,200 | 260 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3007% | 3,354 |
| Cost of funding earning assets | 1.9341% | 920 |
| Net interest margin | 3.3667% | 5,788 |
| Noninterest income to average assets | 0.4683% | 4,428 |
| Noninterest expense to average assets | 2.7868% | 4,547 |
| Loan and lease loss provision to assets | 2.2974% | 483 |
| Net operating income to assets | -1.4969% | 7,106 |
| Return on assets (ROA) | -1.0913% | 6,977 |
| Pretax return on assets | -1.0913% | 6,897 |
| Return on Equity (ROE) | -12.5981% | 7,034 |
| Retained earnings to average equity (ytd only) | -12.5981% | 6,995 |
| Net charge-offs to loans | 2.9675% | 529 |
| Credit loss provision to net charge-offs | 96.6012% | 4,489 |
| Earnings coverage of net charge-offs (x) | 0.3366% | 5,690 |
| Efficiency ratio | 77.4653% | 2,698 |
| Assets per employee ($millions) | 4.2100% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2902% | 1,643 |
| Loan loss allowance to noncurrent loans | 28.6477% | 6,409 |
| Noncurrent assets plus other real estate owned to assets | 7.8750% | 645 |
| Noncurrent loans to loans | 7.9945% | 649 |
| Net loans and leases to total assets | 75.1931% | 1,551 |
| Net loans and leases to deposits | 102.0171% | 534 |
| Net loans and leases to core deposits | 103.2962% | 1,545 |
| Total domestic deposits to total assets | 73.7064% | 6,956 |
| Equity capital to assets | 8.3976% | 6,400 |
| Core capital (leverage) ratio | 8.2317% | 5,991 |
| Tier 1 risk-based capital ratio | 11.8541% | 5,588 |
| Total risk-based capital ratio | 13.1199% | 5,549 |
| Memoranda: | ||
| Average total assets | $2,314,174,000 | 306 |
| Average earning assets | $2,143,898,750 | 294 |
| Average equity | $200,459,000 | 348 |
| Average total loans | $1,854,670,000 | 257 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3251% | 3,349 |
| Cost of funding earning assets | 2.0223% | 850 |
| Net interest margin | 3.3028% | 6,006 |
| Noninterest income to average assets | 0.4112% | 4,822 |
| Noninterest expense to average assets | 2.8673% | 4,198 |
| Loan and lease loss provision to assets | 1.9686% | 625 |
| Net operating income to assets | -1.3673% | 7,110 |
| Return on assets (ROA) | -0.8259% | 6,886 |
| Pretax return on assets | -0.8259% | 6,798 |
| Return on Equity (ROE) | -9.4383% | 6,949 |
| Retained earnings to average equity (ytd only) | -9.4383% | 6,892 |
| Net charge-offs to loans | 2.5901% | 647 |
| Credit loss provision to net charge-offs | 93.5894% | 4,310 |
| Earnings coverage of net charge-offs (x) | 0.2859% | 5,443 |
| Efficiency ratio | 82.4327% | 2,106 |
| Assets per employee ($millions) | 4.1709% | 3,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2203% | 1,721 |
| Loan loss allowance to noncurrent loans | 26.2526% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 8.4933% | 548 |
| Noncurrent loans to loans | 8.4573% | 593 |
| Net loans and leases to total assets | 77.4841% | 1,199 |
| Net loans and leases to deposits | 104.0900% | 478 |
| Net loans and leases to core deposits | 105.5607% | 1,490 |
| Total domestic deposits to total assets | 74.4395% | 6,921 |
| Equity capital to assets | 8.8852% | 5,622 |
| Core capital (leverage) ratio | 8.7101% | 5,058 |
| Tier 1 risk-based capital ratio | 11.8992% | 5,405 |
| Total risk-based capital ratio | 13.1636% | 5,360 |
| Memoranda: | ||
| Average total assets | $2,312,333,000 | 303 |
| Average earning assets | $2,140,522,330 | 294 |
| Average equity | $202,345,670 | 344 |
| Average total loans | $1,877,847,670 | 257 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3550% | 3,272 |
| Cost of funding earning assets | 2.0915% | 836 |
| Net interest margin | 3.2634% | 6,082 |
| Noninterest income to average assets | 0.6399% | 2,995 |
| Noninterest expense to average assets | 2.8338% | 4,351 |
| Loan and lease loss provision to assets | 2.1548% | 502 |
| Net operating income to assets | -1.3104% | 7,253 |
| Return on assets (ROA) | -0.8623% | 7,072 |
| Pretax return on assets | -0.8623% | 6,986 |
| Return on Equity (ROE) | -9.9303% | 7,137 |
| Retained earnings to average equity (ytd only) | -9.9303% | 6,961 |
| Net charge-offs to loans | 1.4675% | 1,177 |
| Credit loss provision to net charge-offs | 178.6483% | 2,044 |
| Earnings coverage of net charge-offs (x) | 0.7001% | 4,402 |
| Efficiency ratio | 76.8163% | 3,093 |
| Assets per employee ($millions) | 4.1354% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5430% | 1,240 |
| Loan loss allowance to noncurrent loans | 32.4579% | 6,246 |
| Noncurrent assets plus other real estate owned to assets | 7.9629% | 623 |
| Noncurrent loans to loans | 7.8349% | 698 |
| Net loans and leases to total assets | 80.1933% | 816 |
| Net loans and leases to deposits | 104.4906% | 500 |
| Net loans and leases to core deposits | 105.9777% | 1,577 |
| Total domestic deposits to total assets | 76.7470% | 6,614 |
| Equity capital to assets | 8.6794% | 5,762 |
| Core capital (leverage) ratio | 8.4744% | 5,414 |
| Tier 1 risk-based capital ratio | 11.4652% | 5,708 |
| Total risk-based capital ratio | 12.7346% | 5,676 |
| Memoranda: | ||
| Average total assets | $2,311,069,000 | 317 |
| Average earning assets | $2,151,712,500 | 305 |
| Average equity | $200,679,000 | 349 |
| Average total loans | $1,899,582,500 | 265 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6429% | 3,381 |
| Cost of funding earning assets | 2.4278% | 1,219 |
| Net interest margin | 3.2151% | 6,038 |
| Noninterest income to average assets | 0.5109% | 4,325 |
| Noninterest expense to average assets | 2.4637% | 6,258 |
| Loan and lease loss provision to assets | 1.9675% | 1,109 |
| Net operating income to assets | -0.8889% | 6,504 |
| Return on assets (ROA) | -0.8167% | 6,448 |
| Pretax return on assets | -0.8343% | 6,295 |
| Return on Equity (ROE) | -9.3906% | 6,572 |
| Retained earnings to average equity (ytd only) | -9.3906% | 6,466 |
| Net charge-offs to loans | 2.0408% | 1,200 |
| Credit loss provision to net charge-offs | 114.7957% | 4,764 |
| Earnings coverage of net charge-offs (x) | 0.6182% | 5,483 |
| Efficiency ratio | 69.6743% | 4,698 |
| Assets per employee ($millions) | 4.1478% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2016% | 1,653 |
| Loan loss allowance to noncurrent loans | 36.4895% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 6.2507% | 886 |
| Noncurrent loans to loans | 6.0334% | 1,039 |
| Net loans and leases to total assets | 80.2986% | 940 |
| Net loans and leases to deposits | 104.4183% | 630 |
| Net loans and leases to core deposits | 119.5363% | 1,985 |
| Total domestic deposits to total assets | 76.9009% | 6,505 |
| Equity capital to assets | 8.6872% | 5,607 |
| Core capital (leverage) ratio | 8.2191% | 5,780 |
| Tier 1 risk-based capital ratio | 11.5318% | 5,364 |
| Total risk-based capital ratio | 12.7966% | 5,310 |
| Memoranda: | ||
| Average total assets | $2,494,252,800 | 297 |
| Average earning assets | $2,336,884,400 | 288 |
| Average equity | $216,928,600 | 333 |
| Average total loans | $2,094,683,000 | 250 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6449% | 3,599 |
| Cost of funding earning assets | 2.4880% | 1,342 |
| Net interest margin | 3.1569% | 6,154 |
| Noninterest income to average assets | 0.4127% | 5,193 |
| Noninterest expense to average assets | 2.4845% | 6,125 |
| Loan and lease loss provision to assets | 1.3862% | 1,386 |
| Net operating income to assets | -0.2868% | 6,181 |
| Return on assets (ROA) | -0.2249% | 6,113 |
| Pretax return on assets | -0.4005% | 6,199 |
| Return on Equity (ROE) | -2.5855% | 6,176 |
| Retained earnings to average equity (ytd only) | -2.5855% | 5,838 |
| Net charge-offs to loans | 1.4623% | 1,407 |
| Credit loss provision to net charge-offs | 112.2937% | 4,522 |
| Earnings coverage of net charge-offs (x) | 0.7201% | 5,318 |
| Efficiency ratio | 73.3804% | 3,983 |
| Assets per employee ($millions) | 4.4101% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9088% | 2,009 |
| Loan loss allowance to noncurrent loans | 34.7476% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 5.6260% | 1,000 |
| Noncurrent loans to loans | 5.4932% | 1,136 |
| Net loans and leases to total assets | 80.9750% | 983 |
| Net loans and leases to deposits | 112.3274% | 377 |
| Net loans and leases to core deposits | 128.8653% | 1,509 |
| Total domestic deposits to total assets | 72.0884% | 7,199 |
| Equity capital to assets | 8.8958% | 5,640 |
| Core capital (leverage) ratio | 8.6807% | 5,162 |
| Tier 1 risk-based capital ratio | 11.7670% | 5,179 |
| Total risk-based capital ratio | 13.0280% | 5,117 |
| Memoranda: | ||
| Average total assets | $2,532,969,250 | 303 |
| Average earning assets | $2,375,618,750 | 293 |
| Average equity | $220,353,750 | 336 |
| Average total loans | $2,138,158,000 | 258 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6573% | 3,783 |
| Cost of funding earning assets | 2.5667% | 1,382 |
| Net interest margin | 3.0906% | 6,278 |
| Noninterest income to average assets | 0.5978% | 3,715 |
| Noninterest expense to average assets | 2.5297% | 6,017 |
| Loan and lease loss provision to assets | 1.6243% | 1,035 |
| Net operating income to assets | -0.3787% | 6,424 |
| Return on assets (ROA) | -0.3108% | 6,352 |
| Pretax return on assets | -0.5504% | 6,474 |
| Return on Equity (ROE) | -3.5985% | 6,435 |
| Retained earnings to average equity (ytd only) | -3.5985% | 6,067 |
| Net charge-offs to loans | 1.5544% | 1,218 |
| Credit loss provision to net charge-offs | 122.9198% | 3,784 |
| Earnings coverage of net charge-offs (x) | 0.7324% | 4,988 |
| Efficiency ratio | 72.0676% | 4,400 |
| Assets per employee ($millions) | 4.4195% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9062% | 1,780 |
| Loan loss allowance to noncurrent loans | 40.0285% | 5,715 |
| Noncurrent assets plus other real estate owned to assets | 5.2617% | 969 |
| Noncurrent loans to loans | 4.7622% | 1,319 |
| Net loans and leases to total assets | 82.3788% | 888 |
| Net loans and leases to deposits | 110.7956% | 525 |
| Net loans and leases to core deposits | 126.7674% | 1,799 |
| Total domestic deposits to total assets | 74.3520% | 6,900 |
| Equity capital to assets | 8.7448% | 5,693 |
| Core capital (leverage) ratio | 8.4953% | 5,458 |
| Tier 1 risk-based capital ratio | 11.5026% | 5,377 |
| Total risk-based capital ratio | 12.7635% | 5,291 |
| Memoranda: | ||
| Average total assets | $2,555,537,670 | 308 |
| Average earning assets | $2,397,702,000 | 299 |
| Average equity | $220,703,000 | 342 |
| Average total loans | $2,172,513,000 | 264 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6604% | 3,991 |
| Cost of funding earning assets | 2.6074% | 1,544 |
| Net interest margin | 3.0530% | 6,328 |
| Noninterest income to average assets | 0.4357% | 4,912 |
| Noninterest expense to average assets | 2.4179% | 6,134 |
| Loan and lease loss provision to assets | 1.3045% | 985 |
| Net operating income to assets | -0.1927% | 6,545 |
| Return on assets (ROA) | -0.1953% | 6,633 |
| Pretax return on assets | -0.4221% | 6,759 |
| Return on Equity (ROE) | -2.2748% | 6,692 |
| Retained earnings to average equity (ytd only) | -2.2748% | 6,152 |
| Net charge-offs to loans | 1.1834% | 1,169 |
| Credit loss provision to net charge-offs | 128.9160% | 3,108 |
| Earnings coverage of net charge-offs (x) | 0.8760% | 4,325 |
| Efficiency ratio | 72.8926% | 4,024 |
| Assets per employee ($millions) | 4.4730% | 2,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7449% | 1,996 |
| Loan loss allowance to noncurrent loans | 37.0491% | 6,083 |
| Noncurrent assets plus other real estate owned to assets | 5.1182% | 875 |
| Noncurrent loans to loans | 4.7098% | 1,187 |
| Net loans and leases to total assets | 83.1683% | 827 |
| Net loans and leases to deposits | 114.6277% | 422 |
| Net loans and leases to core deposits | 131.5128% | 1,568 |
| Total domestic deposits to total assets | 72.5552% | 7,124 |
| Equity capital to assets | 8.6709% | 5,809 |
| Core capital (leverage) ratio | 8.3291% | 5,851 |
| Tier 1 risk-based capital ratio | 11.2167% | 5,686 |
| Total risk-based capital ratio | 12.4755% | 5,588 |
| Memoranda: | ||
| Average total assets | $2,589,221,500 | 302 |
| Average earning assets | $2,432,893,500 | 296 |
| Average equity | $222,262,000 | 335 |
| Average total loans | $2,213,991,000 | 259 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0172% | 5,465 |
| Cost of funding earning assets | 3.1528% | 1,342 |
| Net interest margin | 2.8643% | 7,225 |
| Noninterest income to average assets | 0.3649% | 5,798 |
| Noninterest expense to average assets | 3.4028% | 2,675 |
| Loan and lease loss provision to assets | 0.9352% | 1,586 |
| Net operating income to assets | -1.2324% | 7,359 |
| Return on assets (ROA) | -1.3363% | 7,348 |
| Pretax return on assets | -1.4077% | 7,217 |
| Return on Equity (ROE) | -15.7158% | 7,613 |
| Retained earnings to average equity (ytd only) | -15.7158% | 7,498 |
| Net charge-offs to loans | 0.9350% | 1,322 |
| Credit loss provision to net charge-offs | 118.5093% | 4,546 |
| Earnings coverage of net charge-offs (x) | -0.4603% | 6,470 |
| Efficiency ratio | 70.7982% | 4,180 |
| Assets per employee ($millions) | 4.5885% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 2,281 |
| Loan loss allowance to noncurrent loans | 34.2871% | 6,444 |
| Noncurrent assets plus other real estate owned to assets | 5.0593% | 679 |
| Noncurrent loans to loans | 4.6440% | 1,016 |
| Net loans and leases to total assets | 84.9783% | 743 |
| Net loans and leases to deposits | 116.2623% | 512 |
| Net loans and leases to core deposits | 132.9336% | 1,660 |
| Total domestic deposits to total assets | 73.0919% | 6,814 |
| Equity capital to assets | 8.4991% | 6,083 |
| Core capital (leverage) ratio | 8.1986% | 6,168 |
| Tier 1 risk-based capital ratio | 10.8030% | 5,910 |
| Total risk-based capital ratio | 12.0596% | 5,808 |
| Memoranda: | ||
| Average total assets | $2,708,508,000 | 280 |
| Average earning assets | $2,529,212,000 | 272 |
| Average equity | $230,303,200 | 329 |
| Average total loans | $2,285,780,600 | 245 |