Home > The Lorain National Bank > Performance and Condition Ratios
The Lorain National Bank, Performance and Condition Ratios
| 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 | 3.5846% | 4,763 |
| Cost of funding earning assets | 0.4161% | 3,083 |
| Net interest margin | 3.1685% | 4,757 |
| Noninterest income to average assets | 0.9574% | 1,286 |
| Noninterest expense to average assets | 2.8530% | 3,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7177% | 3,807 |
| Return on assets (ROA) | 0.7397% | 3,799 |
| Pretax return on assets | 1.0389% | 3,421 |
| Return on Equity (ROE) | 7.0733% | 3,567 |
| Retained earnings to average equity (ytd only) | 3.9953% | 3,474 |
| Net charge-offs to loans | 0.3186% | 825 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.2118% | 3,075 |
| Efficiency ratio | 73.6098% | 2,732 |
| Assets per employee ($millions) | 4.7953% | 2,549 |
| Cash dividends to net income (ytd only)* | 43.5161% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6984% | 1,605 |
| Loan loss allowance to noncurrent loans | 101.5751% | 3,683 |
| Noncurrent assets plus other real estate owned to assets | 1.3316% | 1,886 |
| Noncurrent loans to loans | 1.6721% | 1,558 |
| Net loans and leases to total assets | 74.5204% | 1,582 |
| Net loans and leases to deposits | 87.5021% | 1,890 |
| Net loans and leases to core deposits | 96.0958% | 1,790 |
| Total domestic deposits to total assets | 85.1641% | 3,053 |
| Equity capital to assets | 10.5601% | 3,380 |
| Core capital (leverage) ratio | 8.9295% | 5,049 |
| Tier 1 risk-based capital ratio | 10.8417% | 5,786 |
| Total risk-based capital ratio | 12.0956% | 5,711 |
| Memoranda: | ||
| Average total assets | $1,242,701,330 | 571 |
| Average earning assets | $1,138,754,670 | 563 |
| Average equity | $129,954,000 | 588 |
| Average total loans | $933,538,000 | 506 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5552% | 4,813 |
| Cost of funding earning assets | 0.4074% | 3,226 |
| Net interest margin | 3.1478% | 4,793 |
| Noninterest income to average assets | 0.9009% | 1,382 |
| Noninterest expense to average assets | 2.8883% | 2,945 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6316% | 4,137 |
| Return on assets (ROA) | 0.6748% | 4,041 |
| Pretax return on assets | 0.9603% | 3,647 |
| Return on Equity (ROE) | 6.4842% | 3,775 |
| Retained earnings to average equity (ytd only) | 1.8548% | 4,727 |
| Net charge-offs to loans | 0.2658% | 899 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.5202% | 2,481 |
| Efficiency ratio | 75.9817% | 2,513 |
| Assets per employee ($millions) | 4.7189% | 2,739 |
| Cash dividends to net income (ytd only)* | 71.3946% | 1,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8080% | 1,483 |
| Loan loss allowance to noncurrent loans | 98.8757% | 3,709 |
| Noncurrent assets plus other real estate owned to assets | 1.4149% | 1,876 |
| Noncurrent loans to loans | 1.8285% | 1,474 |
| Net loans and leases to total assets | 72.6763% | 1,704 |
| Net loans and leases to deposits | 85.1474% | 1,935 |
| Net loans and leases to core deposits | 94.2218% | 1,748 |
| Total domestic deposits to total assets | 85.3535% | 3,244 |
| Equity capital to assets | 10.3745% | 3,686 |
| Core capital (leverage) ratio | 8.8828% | 5,096 |
| Tier 1 risk-based capital ratio | 10.5090% | 6,008 |
| Total risk-based capital ratio | 11.7637% | 5,949 |
| Memoranda: | ||
| Average total assets | $1,245,457,000 | 563 |
| Average earning assets | $1,141,885,500 | 562 |
| Average equity | $129,606,500 | 591 |
| Average total loans | $931,363,000 | 504 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7150% | 4,735 |
| Cost of funding earning assets | 0.4236% | 3,444 |
| Net interest margin | 3.2914% | 4,609 |
| Noninterest income to average assets | 1.0489% | 1,110 |
| Noninterest expense to average assets | 2.8314% | 3,375 |
| Loan and lease loss provision to assets | 0.2512% | 904 |
| Net operating income to assets | 0.6963% | 3,909 |
| Return on assets (ROA) | 0.6960% | 4,029 |
| Pretax return on assets | 0.9687% | 3,616 |
| Return on Equity (ROE) | 6.8735% | 3,703 |
| Retained earnings to average equity (ytd only) | 2.6503% | 4,358 |
| Net charge-offs to loans | 0.3491% | 1,259 |
| Credit loss provision to net charge-offs | 97.2205% | 2,497 |
| Earnings coverage of net charge-offs (x) | 4.7230% | 3,579 |
| Efficiency ratio | 69.6095% | 3,602 |
| Assets per employee ($millions) | 4.5429% | 2,965 |
| Cash dividends to net income (ytd only)* | 61.4422% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8653% | 1,391 |
| Loan loss allowance to noncurrent loans | 105.0612% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.4040% | 1,980 |
| Noncurrent loans to loans | 1.7755% | 1,621 |
| Net loans and leases to total assets | 74.1499% | 1,560 |
| Net loans and leases to deposits | 88.3771% | 1,695 |
| Net loans and leases to core deposits | 96.1201% | 1,710 |
| Total domestic deposits to total assets | 83.9017% | 3,762 |
| Equity capital to assets | 10.4387% | 3,561 |
| Core capital (leverage) ratio | 8.8832% | 5,145 |
| Tier 1 risk-based capital ratio | 11.0038% | 5,907 |
| Total risk-based capital ratio | 12.2602% | 5,841 |
| Memoranda: | ||
| Average total assets | $1,239,304,600 | 545 |
| Average earning assets | $1,130,628,000 | 547 |
| Average equity | $125,497,200 | 582 |
| Average total loans | $917,337,000 | 486 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7053% | 4,841 |
| Cost of funding earning assets | 0.4257% | 3,516 |
| Net interest margin | 3.2796% | 4,684 |
| Noninterest income to average assets | 1.0308% | 1,158 |
| Noninterest expense to average assets | 2.7993% | 3,460 |
| Loan and lease loss provision to assets | 0.2702% | 778 |
| Net operating income to assets | 0.6911% | 3,987 |
| Return on assets (ROA) | 0.6907% | 4,079 |
| Pretax return on assets | 0.9443% | 3,811 |
| Return on Equity (ROE) | 6.8738% | 3,775 |
| Retained earnings to average equity (ytd only) | 3.2363% | 4,328 |
| Net charge-offs to loans | 0.3775% | 1,056 |
| Credit loss provision to net charge-offs | 97.1771% | 2,303 |
| Earnings coverage of net charge-offs (x) | 4.3705% | 3,480 |
| Efficiency ratio | 69.4598% | 3,595 |
| Assets per employee ($millions) | 4.6984% | 2,676 |
| Cash dividends to net income (ytd only)* | 52.9183% | 1,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8866% | 1,480 |
| Loan loss allowance to noncurrent loans | 95.8118% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 1.5269% | 2,014 |
| Noncurrent loans to loans | 1.9690% | 1,618 |
| Net loans and leases to total assets | 73.0890% | 1,666 |
| Net loans and leases to deposits | 85.5521% | 1,958 |
| Net loans and leases to core deposits | 93.5771% | 1,910 |
| Total domestic deposits to total assets | 85.4322% | 3,142 |
| Equity capital to assets | 10.2976% | 3,792 |
| Core capital (leverage) ratio | 8.8821% | 5,216 |
| Tier 1 risk-based capital ratio | 10.9348% | 6,026 |
| Total risk-based capital ratio | 12.1914% | 5,971 |
| Memoranda: | ||
| Average total assets | $1,240,211,000 | 543 |
| Average earning assets | $1,128,274,500 | 545 |
| Average equity | $124,624,250 | 585 |
| Average total loans | $913,253,500 | 483 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7273% | 4,776 |
| Cost of funding earning assets | 0.4291% | 3,562 |
| Net interest margin | 3.2982% | 4,595 |
| Noninterest income to average assets | 1.0012% | 1,194 |
| Noninterest expense to average assets | 2.7911% | 3,542 |
| Loan and lease loss provision to assets | 0.2892% | 687 |
| Net operating income to assets | 0.6689% | 3,998 |
| Return on assets (ROA) | 0.6683% | 4,101 |
| Pretax return on assets | 0.9176% | 3,817 |
| Return on Equity (ROE) | 6.7061% | 3,777 |
| Retained earnings to average equity (ytd only) | 2.9841% | 4,301 |
| Net charge-offs to loans | 0.4107% | 990 |
| Credit loss provision to net charge-offs | 95.9850% | 2,080 |
| Earnings coverage of net charge-offs (x) | 4.0086% | 3,189 |
| Efficiency ratio | 69.5261% | 3,732 |
| Assets per employee ($millions) | 4.6643% | 2,675 |
| Cash dividends to net income (ytd only)* | 55.5019% | 1,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9149% | 1,547 |
| Loan loss allowance to noncurrent loans | 87.5571% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6927% | 1,925 |
| Noncurrent loans to loans | 2.1871% | 1,497 |
| Net loans and leases to total assets | 72.2297% | 1,698 |
| Net loans and leases to deposits | 84.9593% | 1,935 |
| Net loans and leases to core deposits | 94.7629% | 1,706 |
| Total domestic deposits to total assets | 85.0169% | 3,499 |
| Equity capital to assets | 10.1993% | 3,828 |
| Core capital (leverage) ratio | 8.7228% | 5,370 |
| Tier 1 risk-based capital ratio | 11.1085% | 6,007 |
| Total risk-based capital ratio | 12.3643% | 5,941 |
| Memoranda: | ||
| Average total assets | $1,240,156,000 | 544 |
| Average earning assets | $1,127,103,000 | 545 |
| Average equity | $123,589,330 | 585 |
| Average total loans | $909,667,670 | 482 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6752% | 4,928 |
| Cost of funding earning assets | 0.4374% | 3,568 |
| Net interest margin | 3.2378% | 4,785 |
| Noninterest income to average assets | 0.9441% | 1,274 |
| Noninterest expense to average assets | 2.7789% | 3,646 |
| Loan and lease loss provision to assets | 0.2898% | 680 |
| Net operating income to assets | 0.6086% | 4,156 |
| Return on assets (ROA) | 0.6086% | 4,238 |
| Pretax return on assets | 0.8237% | 4,008 |
| Return on Equity (ROE) | 6.1790% | 3,924 |
| Retained earnings to average equity (ytd only) | 2.9097% | 4,356 |
| Net charge-offs to loans | 0.3994% | 915 |
| Credit loss provision to net charge-offs | 99.1189% | 1,713 |
| Earnings coverage of net charge-offs (x) | 3.8084% | 2,627 |
| Efficiency ratio | 71.1118% | 3,642 |
| Assets per employee ($millions) | 4.7347% | 2,620 |
| Cash dividends to net income (ytd only)* | 52.9101% | 1,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9185% | 1,699 |
| Loan loss allowance to noncurrent loans | 83.6457% | 4,068 |
| Noncurrent assets plus other real estate owned to assets | 1.7452% | 2,020 |
| Noncurrent loans to loans | 2.2936% | 1,558 |
| Net loans and leases to total assets | 71.2923% | 1,684 |
| Net loans and leases to deposits | 82.9533% | 1,950 |
| Net loans and leases to core deposits | 92.7549% | 1,661 |
| Total domestic deposits to total assets | 85.9427% | 3,395 |
| Equity capital to assets | 9.8614% | 4,015 |
| Core capital (leverage) ratio | 8.6412% | 5,472 |
| Tier 1 risk-based capital ratio | 10.9435% | 6,175 |
| Total risk-based capital ratio | 12.2006% | 6,127 |
| Memoranda: | ||
| Average total assets | $1,242,213,000 | 544 |
| Average earning assets | $1,131,135,000 | 548 |
| Average equity | $122,350,000 | 592 |
| Average total loans | $909,391,500 | 482 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,950 |
| Cost of funding earning assets | 0.4929% | 3,675 |
| Net interest margin | 3.2643% | 4,791 |
| Noninterest income to average assets | 0.9922% | 1,414 |
| Noninterest expense to average assets | 2.8394% | 3,573 |
| Loan and lease loss provision to assets | 0.3606% | 868 |
| Net operating income to assets | 0.5795% | 4,358 |
| Return on assets (ROA) | 0.5901% | 4,419 |
| Pretax return on assets | 0.7912% | 4,175 |
| Return on Equity (ROE) | 5.8299% | 4,189 |
| Retained earnings to average equity (ytd only) | 2.6743% | 4,338 |
| Net charge-offs to loans | 0.5038% | 1,315 |
| Credit loss provision to net charge-offs | 97.0712% | 2,567 |
| Earnings coverage of net charge-offs (x) | 3.0623% | 3,970 |
| Efficiency ratio | 71.1103% | 3,649 |
| Assets per employee ($millions) | 4.6057% | 2,710 |
| Cash dividends to net income (ytd only)* | 54.1277% | 2,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9305% | 1,708 |
| Loan loss allowance to noncurrent loans | 79.6188% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 1.8350% | 1,997 |
| Noncurrent loans to loans | 2.4246% | 1,576 |
| Net loans and leases to total assets | 72.3151% | 1,634 |
| Net loans and leases to deposits | 84.2989% | 1,892 |
| Net loans and leases to core deposits | 92.2856% | 1,771 |
| Total domestic deposits to total assets | 85.7842% | 3,367 |
| Equity capital to assets | 9.8371% | 3,978 |
| Core capital (leverage) ratio | 8.6643% | 5,457 |
| Tier 1 risk-based capital ratio | 10.9297% | 6,202 |
| Total risk-based capital ratio | 12.1870% | 6,152 |
| Memoranda: | ||
| Average total assets | $1,213,160,800 | 540 |
| Average earning assets | $1,109,332,800 | 535 |
| Average equity | $122,797,400 | 573 |
| Average total loans | $894,574,800 | 468 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7543% | 5,018 |
| Cost of funding earning assets | 0.5007% | 3,760 |
| Net interest margin | 3.2536% | 4,812 |
| Noninterest income to average assets | 0.9660% | 1,556 |
| Noninterest expense to average assets | 2.8216% | 3,590 |
| Loan and lease loss provision to assets | 0.3694% | 851 |
| Net operating income to assets | 0.5638% | 4,510 |
| Return on assets (ROA) | 0.5780% | 4,571 |
| Pretax return on assets | 0.7714% | 4,412 |
| Return on Equity (ROE) | 5.6694% | 4,371 |
| Retained earnings to average equity (ytd only) | 4.1820% | 3,709 |
| Net charge-offs to loans | 0.4780% | 1,342 |
| Credit loss provision to net charge-offs | 104.8185% | 2,232 |
| Earnings coverage of net charge-offs (x) | 3.1834% | 3,777 |
| Efficiency ratio | 71.2640% | 3,558 |
| Assets per employee ($millions) | 4.5317% | 2,834 |
| Cash dividends to net income (ytd only)* | 26.2355% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9914% | 1,741 |
| Loan loss allowance to noncurrent loans | 71.2295% | 4,365 |
| Noncurrent assets plus other real estate owned to assets | 2.1429% | 1,864 |
| Noncurrent loans to loans | 2.7957% | 1,493 |
| Net loans and leases to total assets | 72.3674% | 1,549 |
| Net loans and leases to deposits | 84.6666% | 1,782 |
| Net loans and leases to core deposits | 92.9902% | 1,672 |
| Total domestic deposits to total assets | 85.4734% | 3,507 |
| Equity capital to assets | 10.0684% | 3,807 |
| Core capital (leverage) ratio | 8.7596% | 5,462 |
| Tier 1 risk-based capital ratio | 11.1480% | 6,220 |
| Total risk-based capital ratio | 12.4060% | 6,182 |
| Memoranda: | ||
| Average total assets | $1,209,019,500 | 545 |
| Average earning assets | $1,106,427,500 | 537 |
| Average equity | $123,254,500 | 577 |
| Average total loans | $891,523,000 | 469 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7754% | 4,910 |
| Cost of funding earning assets | 0.5065% | 3,839 |
| Net interest margin | 3.2690% | 4,691 |
| Noninterest income to average assets | 1.0380% | 1,416 |
| Noninterest expense to average assets | 2.8740% | 3,425 |
| Loan and lease loss provision to assets | 0.3971% | 786 |
| Net operating income to assets | 0.5644% | 4,482 |
| Return on assets (ROA) | 0.5856% | 4,548 |
| Pretax return on assets | 0.7823% | 4,379 |
| Return on Equity (ROE) | 5.7205% | 4,332 |
| Retained earnings to average equity (ytd only) | 4.2253% | 3,604 |
| Net charge-offs to loans | 0.4988% | 1,310 |
| Credit loss provision to net charge-offs | 108.0108% | 2,053 |
| Earnings coverage of net charge-offs (x) | 3.1310% | 3,487 |
| Efficiency ratio | 71.1214% | 3,622 |
| Assets per employee ($millions) | 4.5607% | 2,717 |
| Cash dividends to net income (ytd only)* | 26.1373% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0100% | 1,828 |
| Loan loss allowance to noncurrent loans | 66.9636% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 2.2791% | 1,901 |
| Noncurrent loans to loans | 3.0016% | 1,480 |
| Net loans and leases to total assets | 71.3227% | 1,672 |
| Net loans and leases to deposits | 83.4152% | 1,878 |
| Net loans and leases to core deposits | 91.1065% | 1,796 |
| Total domestic deposits to total assets | 85.5033% | 3,642 |
| Equity capital to assets | 10.0923% | 3,801 |
| Core capital (leverage) ratio | 8.5479% | 5,611 |
| Tier 1 risk-based capital ratio | 11.1282% | 6,279 |
| Total risk-based capital ratio | 12.3864% | 6,253 |
| Memoranda: | ||
| Average total assets | $1,208,704,670 | 545 |
| Average earning assets | $1,104,509,000 | 535 |
| Average equity | $123,731,330 | 580 |
| Average total loans | $890,894,000 | 469 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7303% | 5,055 |
| Cost of funding earning assets | 0.5101% | 3,969 |
| Net interest margin | 3.2201% | 4,847 |
| Noninterest income to average assets | 1.1018% | 1,217 |
| Noninterest expense to average assets | 3.0526% | 2,826 |
| Loan and lease loss provision to assets | 0.4484% | 635 |
| Net operating income to assets | 0.4212% | 5,044 |
| Return on assets (ROA) | 0.4667% | 5,005 |
| Pretax return on assets | 0.6059% | 4,924 |
| Return on Equity (ROE) | 4.5268% | 4,830 |
| Retained earnings to average equity (ytd only) | 2.9158% | 4,534 |
| Net charge-offs to loans | 0.5289% | 1,138 |
| Credit loss provision to net charge-offs | 114.3099% | 1,651 |
| Earnings coverage of net charge-offs (x) | 2.5368% | 3,011 |
| Efficiency ratio | 75.1354% | 3,075 |
| Assets per employee ($millions) | 4.6092% | 2,790 |
| Cash dividends to net income (ytd only)* | 35.5872% | 1,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9869% | 2,080 |
| Loan loss allowance to noncurrent loans | 62.4465% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 2.4157% | 1,924 |
| Noncurrent loans to loans | 3.1817% | 1,551 |
| Net loans and leases to total assets | 71.3745% | 1,457 |
| Net loans and leases to deposits | 83.5660% | 1,643 |
| Net loans and leases to core deposits | 91.6498% | 1,537 |
| Total domestic deposits to total assets | 85.4109% | 3,840 |
| Equity capital to assets | 10.0910% | 4,027 |
| Core capital (leverage) ratio | 8.6867% | 5,346 |
| Tier 1 risk-based capital ratio | 10.8154% | 6,482 |
| Total risk-based capital ratio | 12.0733% | 6,448 |
| Memoranda: | ||
| Average total assets | $1,204,202,000 | 551 |
| Average earning assets | $1,101,693,000 | 544 |
| Average equity | $124,149,500 | 590 |
| Average total loans | $893,181,500 | 468 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2175% | 4,521 |
| Cost of funding earning assets | 0.6251% | 4,136 |
| Net interest margin | 3.5925% | 4,119 |
| Noninterest income to average assets | 0.9767% | 1,608 |
| Noninterest expense to average assets | 2.8748% | 3,739 |
| Loan and lease loss provision to assets | 0.6078% | 901 |
| Net operating income to assets | 0.5800% | 4,333 |
| Return on assets (ROA) | 0.5918% | 4,537 |
| Pretax return on assets | 0.7949% | 4,311 |
| Return on Equity (ROE) | 5.5123% | 4,421 |
| Retained earnings to average equity (ytd only) | -0.4683% | 5,935 |
| Net charge-offs to loans | 0.7645% | 1,534 |
| Credit loss provision to net charge-offs | 108.6083% | 2,707 |
| Earnings coverage of net charge-offs (x) | 2.4781% | 4,173 |
| Efficiency ratio | 67.1873% | 4,296 |
| Assets per employee ($millions) | 4.4952% | 2,972 |
| Cash dividends to net income (ytd only)* | 108.4952% | 397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9813% | 2,068 |
| Loan loss allowance to noncurrent loans | 63.0321% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 2.4918% | 1,964 |
| Noncurrent loans to loans | 3.1433% | 1,639 |
| Net loans and leases to total assets | 74.0859% | 1,184 |
| Net loans and leases to deposits | 87.1156% | 1,373 |
| Net loans and leases to core deposits | 93.5802% | 1,504 |
| Total domestic deposits to total assets | 85.0432% | 3,845 |
| Equity capital to assets | 10.5382% | 3,483 |
| Core capital (leverage) ratio | 8.6046% | 5,456 |
| Tier 1 risk-based capital ratio | 10.9682% | 6,360 |
| Total risk-based capital ratio | 12.2264% | 6,317 |
| Memoranda: | ||
| Average total assets | $1,191,477,400 | 552 |
| Average earning assets | $1,089,476,400 | 542 |
| Average equity | $127,914,800 | 561 |
| Average total loans | $872,232,200 | 468 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2804% | 4,526 |
| Cost of funding earning assets | 0.6418% | 4,269 |
| Net interest margin | 3.6387% | 4,063 |
| Noninterest income to average assets | 0.9357% | 1,718 |
| Noninterest expense to average assets | 2.8671% | 3,725 |
| Loan and lease loss provision to assets | 0.6072% | 901 |
| Net operating income to assets | 0.5825% | 4,466 |
| Return on assets (ROA) | 0.5863% | 4,728 |
| Pretax return on assets | 0.7892% | 4,531 |
| Return on Equity (ROE) | 5.4360% | 4,628 |
| Retained earnings to average equity (ytd only) | 5.4360% | 3,074 |
| Net charge-offs to loans | 0.7557% | 1,465 |
| Credit loss provision to net charge-offs | 110.6547% | 2,650 |
| Earnings coverage of net charge-offs (x) | 2.5354% | 4,027 |
| Efficiency ratio | 67.0580% | 4,237 |
| Assets per employee ($millions) | 4.5000% | 2,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9781% | 2,229 |
| Loan loss allowance to noncurrent loans | 53.9777% | 4,936 |
| Noncurrent assets plus other real estate owned to assets | 2.8387% | 1,852 |
| Noncurrent loans to loans | 3.6646% | 1,464 |
| Net loans and leases to total assets | 72.2637% | 1,506 |
| Net loans and leases to deposits | 85.2359% | 1,695 |
| Net loans and leases to core deposits | 91.8290% | 1,794 |
| Total domestic deposits to total assets | 84.7809% | 3,848 |
| Equity capital to assets | 10.8685% | 3,421 |
| Core capital (leverage) ratio | 9.0694% | 4,964 |
| Tier 1 risk-based capital ratio | 11.5849% | 6,178 |
| Total risk-based capital ratio | 12.8429% | 6,151 |
| Memoranda: | ||
| Average total assets | $1,194,910,000 | 550 |
| Average earning assets | $1,091,138,750 | 547 |
| Average equity | $128,865,250 | 560 |
| Average total loans | $867,744,750 | 474 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3428% | 4,404 |
| Cost of funding earning assets | 0.6621% | 4,347 |
| Net interest margin | 3.6807% | 3,924 |
| Noninterest income to average assets | 0.9150% | 1,728 |
| Noninterest expense to average assets | 2.8843% | 3,684 |
| Loan and lease loss provision to assets | 0.5989% | 999 |
| Net operating income to assets | 0.5818% | 4,445 |
| Return on assets (ROA) | 0.5818% | 4,715 |
| Pretax return on assets | 0.7789% | 4,548 |
| Return on Equity (ROE) | 5.4086% | 4,624 |
| Retained earnings to average equity (ytd only) | 5.4086% | 3,038 |
| Net charge-offs to loans | 0.7739% | 1,421 |
| Credit loss provision to net charge-offs | 107.1171% | 2,547 |
| Earnings coverage of net charge-offs (x) | 2.4643% | 3,773 |
| Efficiency ratio | 67.4059% | 4,254 |
| Assets per employee ($millions) | 4.5904% | 2,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 2,256 |
| Loan loss allowance to noncurrent loans | 48.1921% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 3.0982% | 1,764 |
| Noncurrent loans to loans | 4.1325% | 1,326 |
| Net loans and leases to total assets | 70.5192% | 1,821 |
| Net loans and leases to deposits | 83.0618% | 1,969 |
| Net loans and leases to core deposits | 87.9330% | 2,214 |
| Total domestic deposits to total assets | 84.8996% | 3,899 |
| Equity capital to assets | 10.7650% | 3,378 |
| Core capital (leverage) ratio | 8.9536% | 4,979 |
| Tier 1 risk-based capital ratio | 11.6896% | 6,115 |
| Total risk-based capital ratio | 12.9218% | 6,105 |
| Memoranda: | ||
| Average total assets | $1,191,210,000 | 558 |
| Average earning assets | $1,083,210,330 | 556 |
| Average equity | $128,128,670 | 563 |
| Average total loans | $860,628,000 | 478 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3447% | 4,537 |
| Cost of funding earning assets | 0.6875% | 4,388 |
| Net interest margin | 3.6572% | 4,024 |
| Noninterest income to average assets | 0.9774% | 1,490 |
| Noninterest expense to average assets | 2.8341% | 3,884 |
| Loan and lease loss provision to assets | 0.6423% | 856 |
| Net operating income to assets | 0.5916% | 4,384 |
| Return on assets (ROA) | 0.5916% | 4,600 |
| Pretax return on assets | 0.8242% | 4,326 |
| Return on Equity (ROE) | 5.5027% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.5027% | 3,258 |
| Net charge-offs to loans | 0.8629% | 1,186 |
| Credit loss provision to net charge-offs | 102.8139% | 2,241 |
| Earnings coverage of net charge-offs (x) | 2.3474% | 3,237 |
| Efficiency ratio | 65.6316% | 4,626 |
| Assets per employee ($millions) | 4.5919% | 2,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 2,436 |
| Loan loss allowance to noncurrent loans | 46.4186% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 3.2304% | 1,788 |
| Noncurrent loans to loans | 4.2543% | 1,409 |
| Net loans and leases to total assets | 70.8867% | 1,594 |
| Net loans and leases to deposits | 83.4312% | 1,736 |
| Net loans and leases to core deposits | 89.1738% | 1,931 |
| Total domestic deposits to total assets | 84.9643% | 4,062 |
| Equity capital to assets | 10.6710% | 3,299 |
| Core capital (leverage) ratio | 9.0380% | 4,777 |
| Tier 1 risk-based capital ratio | 11.5863% | 6,231 |
| Total risk-based capital ratio | 12.8444% | 6,205 |
| Memoranda: | ||
| Average total assets | $1,183,173,500 | 560 |
| Average earning assets | $1,075,153,500 | 560 |
| Average equity | $127,211,000 | 562 |
| Average total loans | $856,609,000 | 479 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 4,576 |
| Cost of funding earning assets | 0.8977% | 4,131 |
| Net interest margin | 3.7256% | 4,174 |
| Noninterest income to average assets | 0.9125% | 1,631 |
| Noninterest expense to average assets | 2.9074% | 3,934 |
| Loan and lease loss provision to assets | 0.8893% | 1,085 |
| Net operating income to assets | 0.4213% | 4,768 |
| Return on assets (ROA) | 0.4778% | 4,722 |
| Pretax return on assets | 0.6031% | 4,685 |
| Return on Equity (ROE) | 4.4973% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.4973% | 2,973 |
| Net charge-offs to loans | 1.1348% | 1,498 |
| Credit loss provision to net charge-offs | 109.8345% | 3,053 |
| Earnings coverage of net charge-offs (x) | 1.7549% | 4,465 |
| Efficiency ratio | 66.9002% | 4,593 |
| Assets per employee ($millions) | 4.4918% | 2,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0156% | 2,229 |
| Loan loss allowance to noncurrent loans | 49.4996% | 5,053 |
| Noncurrent assets plus other real estate owned to assets | 3.0961% | 1,934 |
| Noncurrent loans to loans | 4.0720% | 1,529 |
| Net loans and leases to total assets | 71.0249% | 1,817 |
| Net loans and leases to deposits | 83.4674% | 1,992 |
| Net loans and leases to core deposits | 89.7761% | 2,157 |
| Total domestic deposits to total assets | 85.0930% | 3,791 |
| Equity capital to assets | 10.8345% | 3,155 |
| Core capital (leverage) ratio | 8.9392% | 4,879 |
| Tier 1 risk-based capital ratio | 11.5770% | 6,116 |
| Total risk-based capital ratio | 12.8355% | 6,093 |
| Memoranda: | ||
| Average total assets | $1,164,203,800 | 559 |
| Average earning assets | $1,067,396,800 | 548 |
| Average equity | $123,674,400 | 556 |
| Average total loans | $830,657,600 | 498 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6581% | 4,646 |
| Cost of funding earning assets | 0.9294% | 4,202 |
| Net interest margin | 3.7287% | 4,208 |
| Noninterest income to average assets | 0.9090% | 1,614 |
| Noninterest expense to average assets | 2.9592% | 3,707 |
| Loan and lease loss provision to assets | 0.8648% | 1,053 |
| Net operating income to assets | 0.4036% | 4,981 |
| Return on assets (ROA) | 0.4496% | 4,971 |
| Pretax return on assets | 0.5691% | 4,910 |
| Return on Equity (ROE) | 4.2539% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.2539% | 3,699 |
| Net charge-offs to loans | 0.9412% | 1,711 |
| Credit loss provision to net charge-offs | 129.2838% | 2,459 |
| Earnings coverage of net charge-offs (x) | 2.0565% | 4,116 |
| Efficiency ratio | 67.9966% | 4,312 |
| Assets per employee ($millions) | 4.5689% | 2,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1205% | 2,020 |
| Loan loss allowance to noncurrent loans | 48.0816% | 5,133 |
| Noncurrent assets plus other real estate owned to assets | 3.3540% | 1,896 |
| Noncurrent loans to loans | 4.4101% | 1,472 |
| Net loans and leases to total assets | 70.4244% | 1,996 |
| Net loans and leases to deposits | 83.1715% | 2,149 |
| Net loans and leases to core deposits | 90.3196% | 2,210 |
| Total domestic deposits to total assets | 84.6737% | 3,930 |
| Equity capital to assets | 10.7263% | 3,445 |
| Core capital (leverage) ratio | 8.8086% | 5,251 |
| Tier 1 risk-based capital ratio | 11.4398% | 6,280 |
| Total risk-based capital ratio | 12.9277% | 6,115 |
| Memoranda: | ||
| Average total assets | $1,163,289,250 | 564 |
| Average earning assets | $1,068,793,750 | 556 |
| Average equity | $122,960,000 | 568 |
| Average total loans | $826,688,000 | 509 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6589% | 4,708 |
| Cost of funding earning assets | 0.9597% | 4,252 |
| Net interest margin | 3.6992% | 4,262 |
| Noninterest income to average assets | 0.9249% | 1,559 |
| Noninterest expense to average assets | 3.0204% | 3,561 |
| Loan and lease loss provision to assets | 0.9378% | 940 |
| Net operating income to assets | 0.2937% | 5,391 |
| Return on assets (ROA) | 0.3643% | 5,249 |
| Pretax return on assets | 0.4454% | 5,244 |
| Return on Equity (ROE) | 3.4636% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.4636% | 4,045 |
| Net charge-offs to loans | 1.0295% | 1,531 |
| Credit loss provision to net charge-offs | 128.7234% | 2,372 |
| Earnings coverage of net charge-offs (x) | 1.7804% | 3,977 |
| Efficiency ratio | 69.6852% | 4,172 |
| Assets per employee ($millions) | 4.4489% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0864% | 2,145 |
| Loan loss allowance to noncurrent loans | 45.7159% | 5,275 |
| Noncurrent assets plus other real estate owned to assets | 3.4780% | 1,895 |
| Noncurrent loans to loans | 4.5639% | 1,443 |
| Net loans and leases to total assets | 70.3953% | 2,136 |
| Net loans and leases to deposits | 82.7826% | 2,320 |
| Net loans and leases to core deposits | 87.8397% | 2,664 |
| Total domestic deposits to total assets | 85.0363% | 3,858 |
| Equity capital to assets | 10.7010% | 3,288 |
| Core capital (leverage) ratio | 8.5853% | 5,424 |
| Tier 1 risk-based capital ratio | 11.2617% | 6,343 |
| Total risk-based capital ratio | 12.7496% | 6,153 |
| Memoranda: | ||
| Average total assets | $1,161,170,670 | 573 |
| Average earning assets | $1,064,931,000 | 563 |
| Average equity | $122,126,670 | 575 |
| Average total loans | $821,730,330 | 518 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6178% | 4,870 |
| Cost of funding earning assets | 0.9780% | 4,367 |
| Net interest margin | 3.6398% | 4,374 |
| Noninterest income to average assets | 0.9135% | 1,610 |
| Noninterest expense to average assets | 3.1360% | 3,121 |
| Loan and lease loss provision to assets | 0.7220% | 1,172 |
| Net operating income to assets | 0.3155% | 5,332 |
| Return on assets (ROA) | 0.4274% | 4,905 |
| Pretax return on assets | 0.5395% | 4,898 |
| Return on Equity (ROE) | 4.0989% | 4,846 |
| Retained earnings to average equity (ytd only) | 4.0989% | 3,703 |
| Net charge-offs to loans | 0.4505% | 2,349 |
| Credit loss provision to net charge-offs | 228.2609% | 1,338 |
| Earnings coverage of net charge-offs (x) | 3.5402% | 2,712 |
| Efficiency ratio | 73.4125% | 3,618 |
| Assets per employee ($millions) | 4.4839% | 2,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1223% | 2,135 |
| Loan loss allowance to noncurrent loans | 45.4023% | 5,280 |
| Noncurrent assets plus other real estate owned to assets | 3.5315% | 1,931 |
| Noncurrent loans to loans | 4.6745% | 1,486 |
| Net loans and leases to total assets | 67.9766% | 2,553 |
| Net loans and leases to deposits | 79.5837% | 2,793 |
| Net loans and leases to core deposits | 91.8995% | 2,142 |
| Total domestic deposits to total assets | 85.4152% | 3,828 |
| Equity capital to assets | 10.3700% | 3,325 |
| Core capital (leverage) ratio | 8.6133% | 5,246 |
| Tier 1 risk-based capital ratio | 11.1937% | 6,357 |
| Total risk-based capital ratio | 12.6823% | 6,137 |
| Memoranda: | ||
| Average total assets | $1,163,401,500 | 577 |
| Average earning assets | $1,068,312,000 | 566 |
| Average equity | $121,300,500 | 577 |
| Average total loans | $816,785,500 | 532 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8861% | 5,100 |
| Cost of funding earning assets | 1.1568% | 4,810 |
| Net interest margin | 3.7293% | 4,229 |
| Noninterest income to average assets | 0.9762% | 1,583 |
| Noninterest expense to average assets | 3.0770% | 3,559 |
| Loan and lease loss provision to assets | 0.8864% | 1,846 |
| Net operating income to assets | 0.3758% | 4,655 |
| Return on assets (ROA) | 0.3762% | 4,802 |
| Pretax return on assets | 0.4374% | 4,831 |
| Return on Equity (ROE) | 3.5934% | 4,701 |
| Retained earnings to average equity (ytd only) | 2.7654% | 3,919 |
| Net charge-offs to loans | 1.6027% | 1,355 |
| Credit loss provision to net charge-offs | 79.3805% | 5,582 |
| Earnings coverage of net charge-offs (x) | 1.1852% | 4,920 |
| Efficiency ratio | 69.6564% | 4,252 |
| Assets per employee ($millions) | 4.2354% | 3,317 |
| Cash dividends to net income (ytd only)* | 23.0415% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9734% | 2,371 |
| Loan loss allowance to noncurrent loans | 38.5743% | 5,726 |
| Noncurrent assets plus other real estate owned to assets | 3.9018% | 1,747 |
| Noncurrent loans to loans | 5.1158% | 1,299 |
| Net loans and leases to total assets | 69.5771% | 2,639 |
| Net loans and leases to deposits | 81.8223% | 2,841 |
| Net loans and leases to core deposits | 88.9865% | 2,905 |
| Total domestic deposits to total assets | 85.0344% | 3,834 |
| Equity capital to assets | 10.4839% | 3,172 |
| Core capital (leverage) ratio | 8.5932% | 5,207 |
| Tier 1 risk-based capital ratio | 11.1391% | 6,222 |
| Total risk-based capital ratio | 12.8598% | 5,817 |
| Memoranda: | ||
| Average total assets | $1,153,600,200 | 578 |
| Average earning assets | $1,059,202,800 | 570 |
| Average equity | $120,776,400 | 563 |
| Average total loans | $803,700,000 | 546 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9136% | 5,204 |
| Cost of funding earning assets | 1.1865% | 4,932 |
| Net interest margin | 3.7271% | 4,283 |
| Noninterest income to average assets | 0.9590% | 1,592 |
| Noninterest expense to average assets | 3.0435% | 3,599 |
| Loan and lease loss provision to assets | 0.7272% | 2,098 |
| Net operating income to assets | 0.5049% | 4,292 |
| Return on assets (ROA) | 0.4854% | 4,577 |
| Pretax return on assets | 0.5884% | 4,635 |
| Return on Equity (ROE) | 4.6377% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.6377% | 3,238 |
| Net charge-offs to loans | 1.3145% | 1,550 |
| Credit loss provision to net charge-offs | 79.7820% | 5,142 |
| Earnings coverage of net charge-offs (x) | 1.4695% | 4,628 |
| Efficiency ratio | 69.1710% | 4,230 |
| Assets per employee ($millions) | 4.3626% | 3,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1481% | 1,894 |
| Loan loss allowance to noncurrent loans | 39.4680% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 3.9597% | 1,772 |
| Noncurrent loans to loans | 5.4425% | 1,227 |
| Net loans and leases to total assets | 67.7614% | 3,281 |
| Net loans and leases to deposits | 79.9304% | 3,465 |
| Net loans and leases to core deposits | 86.5655% | 3,576 |
| Total domestic deposits to total assets | 84.7755% | 3,738 |
| Equity capital to assets | 10.6576% | 3,339 |
| Core capital (leverage) ratio | 8.6713% | 5,241 |
| Tier 1 risk-based capital ratio | 11.4821% | 5,955 |
| Total risk-based capital ratio | 13.2150% | 5,462 |
| Memoranda: | ||
| Average total assets | $1,153,993,750 | 574 |
| Average earning assets | $1,060,139,500 | 565 |
| Average equity | $120,776,250 | 558 |
| Average total loans | $800,204,500 | 548 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9590% | 5,140 |
| Cost of funding earning assets | 1.2261% | 4,979 |
| Net interest margin | 3.7329% | 4,219 |
| Noninterest income to average assets | 0.9618% | 1,476 |
| Noninterest expense to average assets | 3.0658% | 3,443 |
| Loan and lease loss provision to assets | 0.7315% | 1,986 |
| Net operating income to assets | 0.4730% | 4,448 |
| Return on assets (ROA) | 0.4922% | 4,525 |
| Pretax return on assets | 0.6170% | 4,520 |
| Return on Equity (ROE) | 4.7314% | 4,421 |
| Retained earnings to average equity (ytd only) | 4.7314% | 3,062 |
| Net charge-offs to loans | 0.8937% | 2,050 |
| Credit loss provision to net charge-offs | 117.9860% | 3,443 |
| Earnings coverage of net charge-offs (x) | 2.1365% | 3,950 |
| Efficiency ratio | 69.1709% | 4,339 |
| Assets per employee ($millions) | 4.2241% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4386% | 1,380 |
| Loan loss allowance to noncurrent loans | 41.8722% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 4.2292% | 1,591 |
| Noncurrent loans to loans | 5.8239% | 1,111 |
| Net loans and leases to total assets | 67.4265% | 3,516 |
| Net loans and leases to deposits | 79.7163% | 3,649 |
| Net loans and leases to core deposits | 87.5156% | 3,616 |
| Total domestic deposits to total assets | 84.5831% | 3,827 |
| Equity capital to assets | 10.5839% | 3,302 |
| Core capital (leverage) ratio | 8.4764% | 5,455 |
| Tier 1 risk-based capital ratio | 11.3595% | 5,898 |
| Total risk-based capital ratio | 13.0976% | 5,418 |
| Memoranda: | ||
| Average total assets | $1,153,292,670 | 575 |
| Average earning assets | $1,059,280,000 | 566 |
| Average equity | $119,964,330 | 556 |
| Average total loans | $800,078,000 | 550 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0216% | 4,918 |
| Cost of funding earning assets | 1.2710% | 4,995 |
| Net interest margin | 3.7506% | 4,005 |
| Noninterest income to average assets | 0.9128% | 1,579 |
| Noninterest expense to average assets | 3.0090% | 3,646 |
| Loan and lease loss provision to assets | 0.7314% | 1,740 |
| Net operating income to assets | 0.4927% | 4,426 |
| Return on assets (ROA) | 0.5032% | 4,520 |
| Pretax return on assets | 0.6284% | 4,496 |
| Return on Equity (ROE) | 4.8806% | 4,427 |
| Retained earnings to average equity (ytd only) | 4.8806% | 3,218 |
| Net charge-offs to loans | 0.8573% | 1,828 |
| Credit loss provision to net charge-offs | 122.7590% | 2,849 |
| Earnings coverage of net charge-offs (x) | 2.2602% | 3,409 |
| Efficiency ratio | 68.8112% | 4,549 |
| Assets per employee ($millions) | 4.3050% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4091% | 1,410 |
| Loan loss allowance to noncurrent loans | 44.7083% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 3.8318% | 1,812 |
| Noncurrent loans to loans | 5.3885% | 1,312 |
| Net loans and leases to total assets | 67.1038% | 3,605 |
| Net loans and leases to deposits | 79.2073% | 3,802 |
| Net loans and leases to core deposits | 87.5579% | 3,672 |
| Total domestic deposits to total assets | 84.7191% | 3,798 |
| Equity capital to assets | 10.3441% | 3,418 |
| Core capital (leverage) ratio | 8.2697% | 5,799 |
| Tier 1 risk-based capital ratio | 10.9434% | 6,212 |
| Total risk-based capital ratio | 12.6683% | 5,721 |
| Memoranda: | ||
| Average total assets | $1,153,353,500 | 592 |
| Average earning assets | $1,058,710,000 | 582 |
| Average equity | $118,921,000 | 565 |
| Average total loans | $801,628,000 | 568 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2992% | 5,178 |
| Cost of funding earning assets | 1.7786% | 4,111 |
| Net interest margin | 3.5205% | 4,869 |
| Noninterest income to average assets | 0.9604% | 1,703 |
| Noninterest expense to average assets | 3.0000% | 4,141 |
| Loan and lease loss provision to assets | 1.6161% | 1,413 |
| Net operating income to assets | -0.1724% | 5,801 |
| Return on assets (ROA) | -0.1349% | 5,725 |
| Pretax return on assets | -0.3428% | 5,873 |
| Return on Equity (ROE) | -1.5120% | 5,778 |
| Retained earnings to average equity (ytd only) | -3.5986% | 5,809 |
| Net charge-offs to loans | 1.4683% | 1,711 |
| Credit loss provision to net charge-offs | 160.1162% | 2,790 |
| Earnings coverage of net charge-offs (x) | 1.2034% | 4,919 |
| Efficiency ratio | 70.9043% | 4,456 |
| Assets per employee ($millions) | 4.2230% | 3,392 |
| Cash dividends to net income (ytd only)* | -137.9962% | 7,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3287% | 1,434 |
| Loan loss allowance to noncurrent loans | 48.3856% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 3.4912% | 1,929 |
| Noncurrent loans to loans | 4.8128% | 1,430 |
| Net loans and leases to total assets | 68.6180% | 3,566 |
| Net loans and leases to deposits | 80.9213% | 3,815 |
| Net loans and leases to core deposits | 99.9575% | 4,002 |
| Total domestic deposits to total assets | 84.7960% | 3,655 |
| Equity capital to assets | 10.2775% | 3,428 |
| Core capital (leverage) ratio | 8.1357% | 5,936 |
| Tier 1 risk-based capital ratio | 10.7477% | 6,154 |
| Total risk-based capital ratio | 12.4612% | 5,658 |
| Memoranda: | ||
| Average total assets | $1,176,732,000 | 567 |
| Average earning assets | $1,087,735,600 | 557 |
| Average equity | $104,957,000 | 620 |
| Average total loans | $808,882,600 | 571 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2795% | 5,529 |
| Cost of funding earning assets | 1.8666% | 4,065 |
| Net interest margin | 3.4129% | 5,204 |
| Noninterest income to average assets | 0.9644% | 1,726 |
| Noninterest expense to average assets | 2.9897% | 4,088 |
| Loan and lease loss provision to assets | 1.7301% | 1,067 |
| Net operating income to assets | -0.2990% | 6,198 |
| Return on assets (ROA) | -0.2504% | 6,149 |
| Pretax return on assets | -0.5195% | 6,318 |
| Return on Equity (ROE) | -2.9149% | 6,233 |
| Retained earnings to average equity (ytd only) | -5.7865% | 6,363 |
| Net charge-offs to loans | 0.7341% | 2,527 |
| Credit loss provision to net charge-offs | 344.7038% | 1,186 |
| Earnings coverage of net charge-offs (x) | 2.2605% | 4,126 |
| Efficiency ratio | 72.2124% | 4,209 |
| Assets per employee ($millions) | 4.3237% | 3,160 |
| Cash dividends to net income (ytd only)* | -98.5155% | 7,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7666% | 819 |
| Loan loss allowance to noncurrent loans | 53.6805% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 3.6505% | 1,798 |
| Noncurrent loans to loans | 5.1538% | 1,253 |
| Net loans and leases to total assets | 67.1608% | 4,145 |
| Net loans and leases to deposits | 81.7374% | 4,077 |
| Net loans and leases to core deposits | 102.9524% | 4,058 |
| Total domestic deposits to total assets | 82.1665% | 4,603 |
| Equity capital to assets | 10.0338% | 4,049 |
| Core capital (leverage) ratio | 7.6214% | 6,836 |
| Tier 1 risk-based capital ratio | 10.6550% | 6,294 |
| Total risk-based capital ratio | 12.3846% | 5,773 |
| Memoranda: | ||
| Average total assets | $1,183,750,000 | 575 |
| Average earning assets | $1,096,008,500 | 565 |
| Average equity | $101,683,000 | 651 |
| Average total loans | $809,358,250 | 584 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2690% | 5,797 |
| Cost of funding earning assets | 1.9216% | 4,152 |
| Net interest margin | 3.3474% | 5,377 |
| Noninterest income to average assets | 0.9306% | 1,840 |
| Noninterest expense to average assets | 3.0066% | 4,060 |
| Loan and lease loss provision to assets | 0.7246% | 2,261 |
| Net operating income to assets | 0.2598% | 5,054 |
| Return on assets (ROA) | 0.3469% | 4,806 |
| Pretax return on assets | 0.3951% | 4,948 |
| Return on Equity (ROE) | 4.2769% | 4,384 |
| Retained earnings to average equity (ytd only) | 2.2539% | 4,083 |
| Net charge-offs to loans | 0.7350% | 2,213 |
| Credit loss provision to net charge-offs | 144.6916% | 3,203 |
| Earnings coverage of net charge-offs (x) | 2.0384% | 4,066 |
| Efficiency ratio | 74.3671% | 3,979 |
| Assets per employee ($millions) | 4.3976% | 2,939 |
| Cash dividends to net income (ytd only)* | 47.2993% | 2,148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6022% | 2,732 |
| Loan loss allowance to noncurrent loans | 39.1682% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 2.7859% | 2,309 |
| Noncurrent loans to loans | 4.0907% | 1,638 |
| Net loans and leases to total assets | 64.7272% | 4,829 |
| Net loans and leases to deposits | 76.5784% | 5,087 |
| Net loans and leases to core deposits | 94.2825% | 5,087 |
| Total domestic deposits to total assets | 84.5240% | 3,490 |
| Equity capital to assets | 7.8483% | 6,914 |
| Core capital (leverage) ratio | 6.1194% | 7,895 |
| Tier 1 risk-based capital ratio | 8.2445% | 7,889 |
| Total risk-based capital ratio | 10.1815% | 7,764 |
| Memoranda: | ||
| Average total assets | $1,184,874,330 | 587 |
| Average earning assets | $1,096,188,330 | 579 |
| Average equity | $96,098,330 | 696 |
| Average total loans | $807,375,330 | 603 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4112% | 5,363 |
| Cost of funding earning assets | 2.0333% | 3,966 |
| Net interest margin | 3.3779% | 5,224 |
| Noninterest income to average assets | 0.8760% | 1,952 |
| Noninterest expense to average assets | 2.8745% | 4,249 |
| Loan and lease loss provision to assets | 0.6229% | 2,029 |
| Net operating income to assets | 0.4064% | 4,832 |
| Return on assets (ROA) | 0.5007% | 4,610 |
| Pretax return on assets | 0.6177% | 4,701 |
| Return on Equity (ROE) | 6.0692% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.0692% | 2,592 |
| Net charge-offs to loans | 0.9359% | 1,415 |
| Credit loss provision to net charge-offs | 95.9173% | 3,875 |
| Earnings coverage of net charge-offs (x) | 1.7312% | 3,865 |
| Efficiency ratio | 71.5922% | 4,252 |
| Assets per employee ($millions) | 4.3036% | 3,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4379% | 3,307 |
| Loan loss allowance to noncurrent loans | 54.2637% | 4,935 |
| Noncurrent assets plus other real estate owned to assets | 1.9194% | 3,028 |
| Noncurrent loans to loans | 2.6498% | 2,476 |
| Net loans and leases to total assets | 66.7985% | 4,388 |
| Net loans and leases to deposits | 79.0569% | 4,765 |
| Net loans and leases to core deposits | 97.7693% | 4,767 |
| Total domestic deposits to total assets | 84.4941% | 3,461 |
| Equity capital to assets | 8.1525% | 6,594 |
| Core capital (leverage) ratio | 6.2950% | 7,947 |
| Tier 1 risk-based capital ratio | 8.4356% | 7,952 |
| Total risk-based capital ratio | 10.3833% | 7,721 |
| Memoranda: | ||
| Average total assets | $1,161,643,500 | 600 |
| Average earning assets | $1,073,914,000 | 591 |
| Average equity | $95,828,000 | 696 |
| Average total loans | $806,069,500 | 611 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8577% | 6,245 |
| Cost of funding earning assets | 2.5511% | 3,951 |
| Net interest margin | 3.3066% | 6,015 |
| Noninterest income to average assets | 1.1011% | 1,296 |
| Noninterest expense to average assets | 3.1368% | 3,559 |
| Loan and lease loss provision to assets | 0.6259% | 2,328 |
| Net operating income to assets | 0.3283% | 5,454 |
| Return on assets (ROA) | 0.3729% | 5,069 |
| Pretax return on assets | 0.4138% | 5,220 |
| Return on Equity (ROE) | 4.3047% | 4,679 |
| Retained earnings to average equity (ytd only) | 0.1666% | 5,132 |
| Net charge-offs to loans | 0.3818% | 2,921 |
| Credit loss provision to net charge-offs | 228.7202% | 2,076 |
| Earnings coverage of net charge-offs (x) | 3.6184% | 4,287 |
| Efficiency ratio | 75.7032% | 3,282 |
| Assets per employee ($millions) | 4.0992% | 3,310 |
| Cash dividends to net income (ytd only)* | 96.1301% | 1,107 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4436% | 2,956 |
| Loan loss allowance to noncurrent loans | 59.4733% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.8230% | 2,705 |
| Noncurrent loans to loans | 2.4274% | 2,258 |
| Net loans and leases to total assets | 70.0563% | 4,004 |
| Net loans and leases to deposits | 83.9481% | 4,426 |
| Net loans and leases to core deposits | 100.1980% | 4,810 |
| Total domestic deposits to total assets | 83.4519% | 3,590 |
| Equity capital to assets | 8.3506% | 6,344 |
| Core capital (leverage) ratio | 6.4370% | 7,955 |
| Tier 1 risk-based capital ratio | 8.3450% | 8,023 |
| Total risk-based capital ratio | 10.3000% | 7,727 |
| Memoranda: | ||
| Average total assets | $1,087,958,600 | 608 |
| Average earning assets | $995,582,600 | 604 |
| Average equity | $94,246,800 | 711 |
| Average total loans | $779,801,000 | 610 |