Home > The National Republic Bank of Chicago > Performance and Condition Ratios
The National Republic Bank of Chicago, Performance and Condition Ratios
| 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 | 3.2688% | 5,811 |
| Cost of funding earning assets | 1.5380% | 21 |
| Net interest margin | 1.7308% | 6,489 |
| Noninterest income to average assets | -0.1253% | 6,536 |
| Noninterest expense to average assets | 2.6858% | 3,873 |
| Loan and lease loss provision to assets | 2.9760% | 16 |
| Net operating income to assets | -4.1027% | 6,571 |
| Return on assets (ROA) | -3.9024% | 6,569 |
| Pretax return on assets | -3.9024% | 6,569 |
| Return on Equity (ROE) | -207.4823% | 6,588 |
| Retained earnings to average equity (ytd only) | -207.4823% | 6,588 |
| Net charge-offs to loans | 2.1485% | 92 |
| Credit loss provision to net charge-offs | 187.1552% | 1,341 |
| Earnings coverage of net charge-offs (x) | -0.7086% | 4,516 |
| Efficiency ratio | 172.2670% | 34 |
| Assets per employee ($millions) | 13.3828% | 106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7106% | 11 |
| Loan loss allowance to noncurrent loans | 17.3811% | 5,965 |
| Noncurrent assets plus other real estate owned to assets | 43.9961% | 1 |
| Noncurrent loans to loans | 55.8689% | 1 |
| Net loans and leases to total assets | 68.7899% | 2,416 |
| Net loans and leases to deposits | 71.6345% | 3,722 |
| Net loans and leases to core deposits | 123.5240% | 318 |
| Total domestic deposits to total assets | 96.0290% | 14 |
| Equity capital to assets | 0.6062% | 6,587 |
| Core capital (leverage) ratio | 0.3784% | 6,587 |
| Tier 1 risk-based capital ratio | 0.5605% | 6,587 |
| Total risk-based capital ratio | 1.1209% | 6,587 |
| Memoranda: | ||
| Average total assets | $954,373,000 | 704 |
| Average earning assets | $928,793,500 | 661 |
| Average equity | $17,950,000 | 3,425 |
| Average total loans | $706,342,250 | 615 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5373% | 5,320 |
| Cost of funding earning assets | 1.5073% | 29 |
| Net interest margin | 2.0299% | 6,513 |
| Noninterest income to average assets | -0.1545% | 6,615 |
| Noninterest expense to average assets | 2.3801% | 4,936 |
| Loan and lease loss provision to assets | 4.2971% | 6 |
| Net operating income to assets | -4.8549% | 6,646 |
| Return on assets (ROA) | -4.8549% | 6,646 |
| Pretax return on assets | -4.8549% | 6,646 |
| Return on Equity (ROE) | -216.5304% | 6,655 |
| Retained earnings to average equity (ytd only) | -216.5304% | 6,655 |
| Net charge-offs to loans | 3.2627% | 44 |
| Credit loss provision to net charge-offs | 179.4457% | 1,271 |
| Earnings coverage of net charge-offs (x) | -0.2329% | 4,157 |
| Efficiency ratio | 130.6066% | 98 |
| Assets per employee ($millions) | 13.4421% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2122% | 9 |
| Loan loss allowance to noncurrent loans | 19.1306% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 34.9310% | 1 |
| Noncurrent loans to loans | 48.1542% | 1 |
| Net loans and leases to total assets | 63.9064% | 3,084 |
| Net loans and leases to deposits | 66.6359% | 4,202 |
| Net loans and leases to core deposits | 118.8248% | 404 |
| Total domestic deposits to total assets | 95.9039% | 20 |
| Equity capital to assets | 1.1012% | 6,654 |
| Core capital (leverage) ratio | 0.7400% | 6,656 |
| Tier 1 risk-based capital ratio | 1.1123% | 6,656 |
| Total risk-based capital ratio | 2.2245% | 6,656 |
| Memoranda: | ||
| Average total assets | $991,458,000 | 676 |
| Average earning assets | $965,551,670 | 626 |
| Average equity | $22,229,670 | 2,920 |
| Average total loans | $727,670,670 | 595 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7314% | 4,739 |
| Cost of funding earning assets | 1.5029% | 32 |
| Net interest margin | 2.2285% | 6,514 |
| Noninterest income to average assets | -0.1592% | 6,675 |
| Noninterest expense to average assets | 2.1505% | 5,575 |
| Loan and lease loss provision to assets | 2.1184% | 36 |
| Net operating income to assets | -2.2582% | 6,669 |
| Return on assets (ROA) | -2.2582% | 6,669 |
| Pretax return on assets | -2.2582% | 6,658 |
| Return on Equity (ROE) | -81.1976% | 6,713 |
| Retained earnings to average equity (ytd only) | -81.1976% | 6,706 |
| Net charge-offs to loans | 0.5246% | 706 |
| Credit loss provision to net charge-offs | 539.7578% | 509 |
| Earnings coverage of net charge-offs (x) | -0.3562% | 3,463 |
| Efficiency ratio | 106.9529% | 317 |
| Assets per employee ($millions) | 14.4813% | 81 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5695% | 22 |
| Loan loss allowance to noncurrent loans | 17.2472% | 6,114 |
| Noncurrent assets plus other real estate owned to assets | 34.4789% | 2 |
| Noncurrent loans to loans | 43.8881% | 2 |
| Net loans and leases to total assets | 70.4528% | 1,810 |
| Net loans and leases to deposits | 74.5176% | 3,003 |
| Net loans and leases to core deposits | 136.5205% | 147 |
| Total domestic deposits to total assets | 94.5452% | 49 |
| Equity capital to assets | 2.6324% | 6,700 |
| Core capital (leverage) ratio | 2.5409% | 6,706 |
| Tier 1 risk-based capital ratio | 3.4550% | 6,712 |
| Total risk-based capital ratio | 6.5116% | 6,695 |
| Memoranda: | ||
| Average total assets | $1,009,991,000 | 668 |
| Average earning assets | $983,437,000 | 617 |
| Average equity | $28,089,500 | 2,399 |
| Average total loans | $755,603,000 | 578 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 1,937 |
| Cost of funding earning assets | 1.7282% | 25 |
| Net interest margin | 2.8505% | 5,899 |
| Noninterest income to average assets | -0.1644% | 6,746 |
| Noninterest expense to average assets | 1.8581% | 6,247 |
| Loan and lease loss provision to assets | 4.8162% | 7 |
| Net operating income to assets | -4.0705% | 6,788 |
| Return on assets (ROA) | -4.0498% | 6,786 |
| Pretax return on assets | -4.0498% | 6,785 |
| Return on Equity (ROE) | -62.6252% | 6,786 |
| Retained earnings to average equity (ytd only) | -72.4018% | 6,792 |
| Net charge-offs to loans | 5.8845% | 16 |
| Credit loss provision to net charge-offs | 101.4459% | 2,381 |
| Earnings coverage of net charge-offs (x) | 0.1571% | 5,030 |
| Efficiency ratio | 71.3612% | 3,595 |
| Assets per employee ($millions) | 14.1816% | 88 |
| Cash dividends to net income (ytd only)* | -15.6114% | 6,776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.8966% | 25 |
| Loan loss allowance to noncurrent loans | 16.5056% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 31.9159% | 4 |
| Noncurrent loans to loans | 41.7833% | 3 |
| Net loans and leases to total assets | 68.4050% | 2,279 |
| Net loans and leases to deposits | 72.4962% | 3,456 |
| Net loans and leases to core deposits | 138.5064% | 134 |
| Total domestic deposits to total assets | 94.3567% | 67 |
| Equity capital to assets | 2.9227% | 6,765 |
| Core capital (leverage) ratio | 2.8501% | 6,777 |
| Tier 1 risk-based capital ratio | 4.1212% | 6,783 |
| Total risk-based capital ratio | 7.4150% | 6,751 |
| Memoranda: | ||
| Average total assets | $1,107,178,400 | 594 |
| Average earning assets | $1,075,179,000 | 552 |
| Average equity | $71,599,000 | 993 |
| Average total loans | $893,263,800 | 469 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2582% | 570 |
| Cost of funding earning assets | 1.7774% | 22 |
| Net interest margin | 3.4808% | 3,964 |
| Noninterest income to average assets | 0.0235% | 6,690 |
| Noninterest expense to average assets | 1.8374% | 6,289 |
| Loan and lease loss provision to assets | 0.9480% | 181 |
| Net operating income to assets | 0.6139% | 4,285 |
| Return on assets (ROA) | 0.6401% | 4,288 |
| Pretax return on assets | 0.6425% | 4,876 |
| Return on Equity (ROE) | 8.7905% | 2,745 |
| Retained earnings to average equity (ytd only) | -2.6004% | 6,320 |
| Net charge-offs to loans | 0.5453% | 1,169 |
| Credit loss provision to net charge-offs | 211.1375% | 1,145 |
| Earnings coverage of net charge-offs (x) | 3.4840% | 3,682 |
| Efficiency ratio | 54.0147% | 6,102 |
| Assets per employee ($millions) | 15.7166% | 79 |
| Cash dividends to net income (ytd only)* | 129.5816% | 193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6101% | 34 |
| Loan loss allowance to noncurrent loans | 22.1271% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 23.9798% | 10 |
| Noncurrent loans to loans | 29.8734% | 5 |
| Net loans and leases to total assets | 70.7860% | 1,820 |
| Net loans and leases to deposits | 78.6044% | 2,572 |
| Net loans and leases to core deposits | 155.0354% | 80 |
| Total domestic deposits to total assets | 90.0535% | 961 |
| Equity capital to assets | 7.3942% | 6,427 |
| Core capital (leverage) ratio | 7.2931% | 6,515 |
| Tier 1 risk-based capital ratio | 9.7502% | 6,647 |
| Total risk-based capital ratio | 12.8592% | 5,968 |
| Memoranda: | ||
| Average total assets | $1,125,158,750 | 588 |
| Average earning assets | $1,092,005,000 | 547 |
| Average equity | $81,934,500 | 871 |
| Average total loans | $926,423,500 | 458 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4378% | 417 |
| Cost of funding earning assets | 1.8225% | 24 |
| Net interest margin | 3.6153% | 3,302 |
| Noninterest income to average assets | 0.0386% | 6,701 |
| Noninterest expense to average assets | 1.8710% | 6,270 |
| Loan and lease loss provision to assets | 1.1522% | 143 |
| Net operating income to assets | 0.5247% | 4,695 |
| Return on assets (ROA) | 0.5635% | 4,652 |
| Pretax return on assets | 0.5671% | 5,136 |
| Return on Equity (ROE) | 7.7781% | 3,206 |
| Retained earnings to average equity (ytd only) | -9.3489% | 6,647 |
| Net charge-offs to loans | 0.7752% | 820 |
| Credit loss provision to net charge-offs | 175.9134% | 1,349 |
| Earnings coverage of net charge-offs (x) | 2.5651% | 3,665 |
| Efficiency ratio | 52.6881% | 6,243 |
| Assets per employee ($millions) | 16.7790% | 64 |
| Cash dividends to net income (ytd only)* | 220.1950% | 76 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9808% | 63 |
| Loan loss allowance to noncurrent loans | 21.9136% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 23.2812% | 12 |
| Noncurrent loans to loans | 27.2927% | 5 |
| Net loans and leases to total assets | 76.2124% | 963 |
| Net loans and leases to deposits | 84.3557% | 1,752 |
| Net loans and leases to core deposits | 190.9312% | 45 |
| Total domestic deposits to total assets | 90.3465% | 831 |
| Equity capital to assets | 7.1552% | 6,561 |
| Core capital (leverage) ratio | 7.0449% | 6,602 |
| Tier 1 risk-based capital ratio | 8.8611% | 6,766 |
| Total risk-based capital ratio | 11.8446% | 6,451 |
| Memoranda: | ||
| Average total assets | $1,128,252,670 | 587 |
| Average earning assets | $1,096,170,000 | 544 |
| Average equity | $81,742,670 | 880 |
| Average total loans | $953,300,330 | 442 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1483% | 135 |
| Cost of funding earning assets | 1.8084% | 24 |
| Net interest margin | 4.3399% | 893 |
| Noninterest income to average assets | 0.0400% | 6,761 |
| Noninterest expense to average assets | 1.6307% | 6,642 |
| Loan and lease loss provision to assets | 1.9464% | 62 |
| Net operating income to assets | 0.6689% | 3,854 |
| Return on assets (ROA) | 0.7464% | 3,588 |
| Pretax return on assets | 0.7534% | 4,360 |
| Return on Equity (ROE) | 10.2385% | 1,976 |
| Retained earnings to average equity (ytd only) | -23.7442% | 6,867 |
| Net charge-offs to loans | 0.3539% | 1,583 |
| Credit loss provision to net charge-offs | 638.0510% | 430 |
| Earnings coverage of net charge-offs (x) | 8.5940% | 1,930 |
| Efficiency ratio | 38.3489% | 6,897 |
| Assets per employee ($millions) | 16.9815% | 70 |
| Cash dividends to net income (ytd only)* | 331.9109% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9067% | 79 |
| Loan loss allowance to noncurrent loans | 23.1359% | 6,257 |
| Noncurrent assets plus other real estate owned to assets | 23.1214% | 14 |
| Noncurrent loans to loans | 25.5304% | 7 |
| Net loans and leases to total assets | 81.3024% | 323 |
| Net loans and leases to deposits | 90.0947% | 959 |
| Net loans and leases to core deposits | 225.6499% | 41 |
| Total domestic deposits to total assets | 90.2411% | 914 |
| Equity capital to assets | 7.2328% | 6,668 |
| Core capital (leverage) ratio | 6.9745% | 6,651 |
| Tier 1 risk-based capital ratio | 8.3806% | 6,846 |
| Total risk-based capital ratio | 11.2943% | 6,673 |
| Memoranda: | ||
| Average total assets | $1,130,281,000 | 589 |
| Average earning assets | $1,097,075,000 | 546 |
| Average equity | $82,395,000 | 885 |
| Average total loans | $974,311,000 | 436 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1762% | 203 |
| Cost of funding earning assets | 1.9897% | 32 |
| Net interest margin | 4.1865% | 1,694 |
| Noninterest income to average assets | 0.2468% | 5,694 |
| Noninterest expense to average assets | 1.5111% | 6,865 |
| Loan and lease loss provision to assets | 6.0447% | 6 |
| Net operating income to assets | -3.2345% | 7,020 |
| Return on assets (ROA) | -3.1355% | 7,018 |
| Pretax return on assets | -3.1355% | 7,021 |
| Return on Equity (ROE) | -30.9704% | 6,960 |
| Retained earnings to average equity (ytd only) | -42.5925% | 6,996 |
| Net charge-offs to loans | 3.7898% | 86 |
| Credit loss provision to net charge-offs | 188.3094% | 1,388 |
| Earnings coverage of net charge-offs (x) | 0.8755% | 5,034 |
| Efficiency ratio | 34.9683% | 6,997 |
| Assets per employee ($millions) | 18.6575% | 59 |
| Cash dividends to net income (ytd only)* | -37.5268% | 7,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1963% | 115 |
| Loan loss allowance to noncurrent loans | 33.1946% | 5,928 |
| Noncurrent assets plus other real estate owned to assets | 14.4636% | 91 |
| Noncurrent loans to loans | 15.6542% | 70 |
| Net loans and leases to total assets | 81.5357% | 359 |
| Net loans and leases to deposits | 92.5537% | 868 |
| Net loans and leases to core deposits | 228.6033% | 46 |
| Total domestic deposits to total assets | 88.0956% | 2,172 |
| Equity capital to assets | 7.3441% | 6,683 |
| Core capital (leverage) ratio | 6.6833% | 6,763 |
| Tier 1 risk-based capital ratio | 8.3304% | 6,897 |
| Total risk-based capital ratio | 11.1304% | 6,697 |
| Memoranda: | ||
| Average total assets | $1,266,293,200 | 522 |
| Average earning assets | $1,232,427,800 | 487 |
| Average equity | $128,203,200 | 560 |
| Average total loans | $1,072,554,400 | 398 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1566% | 230 |
| Cost of funding earning assets | 2.0205% | 27 |
| Net interest margin | 4.1361% | 1,950 |
| Noninterest income to average assets | 0.2980% | 5,391 |
| Noninterest expense to average assets | 1.4373% | 6,974 |
| Loan and lease loss provision to assets | 2.3601% | 72 |
| Net operating income to assets | 0.5187% | 4,770 |
| Return on assets (ROA) | 0.6429% | 4,437 |
| Pretax return on assets | 0.6568% | 4,988 |
| Return on Equity (ROE) | 5.9829% | 4,337 |
| Retained earnings to average equity (ytd only) | -0.5870% | 6,199 |
| Net charge-offs to loans | 1.5592% | 545 |
| Credit loss provision to net charge-offs | 179.3265% | 1,555 |
| Earnings coverage of net charge-offs (x) | 2.1960% | 4,161 |
| Efficiency ratio | 33.2135% | 7,103 |
| Assets per employee ($millions) | 20.7304% | 59 |
| Cash dividends to net income (ytd only)* | 109.8108% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3974% | 1,368 |
| Loan loss allowance to noncurrent loans | 45.8226% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 5.2570% | 828 |
| Noncurrent loans to loans | 5.2319% | 841 |
| Net loans and leases to total assets | 83.4844% | 252 |
| Net loans and leases to deposits | 97.9845% | 542 |
| Net loans and leases to core deposits | 251.3471% | 46 |
| Total domestic deposits to total assets | 85.2016% | 3,661 |
| Equity capital to assets | 10.9700% | 3,309 |
| Core capital (leverage) ratio | 10.8027% | 2,597 |
| Tier 1 risk-based capital ratio | 12.4107% | 5,697 |
| Total risk-based capital ratio | 15.0309% | 4,655 |
| Memoranda: | ||
| Average total assets | $1,293,675,500 | 519 |
| Average earning assets | $1,260,354,500 | 483 |
| Average equity | $139,015,500 | 522 |
| Average total loans | $1,091,974,750 | 395 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2129% | 211 |
| Cost of funding earning assets | 2.0746% | 26 |
| Net interest margin | 4.1383% | 1,944 |
| Noninterest income to average assets | 0.4254% | 4,465 |
| Noninterest expense to average assets | 1.2655% | 7,121 |
| Loan and lease loss provision to assets | 2.3170% | 100 |
| Net operating income to assets | 0.8615% | 3,077 |
| Return on assets (ROA) | 1.0448% | 2,500 |
| Pretax return on assets | 1.0586% | 3,469 |
| Return on Equity (ROE) | 9.7891% | 2,451 |
| Retained earnings to average equity (ytd only) | -0.0589% | 6,045 |
| Net charge-offs to loans | 1.3304% | 793 |
| Credit loss provision to net charge-offs | 207.2183% | 1,365 |
| Earnings coverage of net charge-offs (x) | 2.8533% | 3,603 |
| Efficiency ratio | 28.3997% | 7,185 |
| Assets per employee ($millions) | 20.6514% | 56 |
| Cash dividends to net income (ytd only)* | 100.6021% | 417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1683% | 1,848 |
| Loan loss allowance to noncurrent loans | 42.8924% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 5.3574% | 852 |
| Noncurrent loans to loans | 5.0553% | 965 |
| Net loans and leases to total assets | 83.2109% | 252 |
| Net loans and leases to deposits | 95.7035% | 649 |
| Net loans and leases to core deposits | 251.5547% | 43 |
| Total domestic deposits to total assets | 86.9466% | 2,804 |
| Equity capital to assets | 10.8345% | 3,307 |
| Core capital (leverage) ratio | 10.6235% | 2,693 |
| Tier 1 risk-based capital ratio | 12.2917% | 5,732 |
| Total risk-based capital ratio | 14.8904% | 4,681 |
| Memoranda: | ||
| Average total assets | $1,303,381,670 | 517 |
| Average earning assets | $1,269,451,670 | 481 |
| Average equity | $139,113,330 | 516 |
| Average total loans | $1,095,420,000 | 395 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1754% | 238 |
| Cost of funding earning assets | 2.1109% | 28 |
| Net interest margin | 4.0645% | 2,235 |
| Noninterest income to average assets | 0.7931% | 2,194 |
| Noninterest expense to average assets | 1.1788% | 7,215 |
| Loan and lease loss provision to assets | 1.2473% | 296 |
| Net operating income to assets | 2.3147% | 239 |
| Return on assets (ROA) | 2.3147% | 285 |
| Pretax return on assets | 2.3284% | 436 |
| Return on Equity (ROE) | 21.8479% | 279 |
| Retained earnings to average equity (ytd only) | 3.9021% | 4,250 |
| Net charge-offs to loans | 0.4777% | 1,894 |
| Credit loss provision to net charge-offs | 312.5000% | 947 |
| Earnings coverage of net charge-offs (x) | 8.9588% | 1,896 |
| Efficiency ratio | 24.7937% | 7,253 |
| Assets per employee ($millions) | 21.4937% | 59 |
| Cash dividends to net income (ytd only)* | 82.1396% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6869% | 3,399 |
| Loan loss allowance to noncurrent loans | 29.9576% | 6,179 |
| Noncurrent assets plus other real estate owned to assets | 5.4761% | 899 |
| Noncurrent loans to loans | 5.6308% | 934 |
| Net loans and leases to total assets | 81.2985% | 320 |
| Net loans and leases to deposits | 93.5003% | 699 |
| Net loans and leases to core deposits | 264.4185% | 41 |
| Total domestic deposits to total assets | 86.9500% | 2,981 |
| Equity capital to assets | 10.5516% | 3,426 |
| Core capital (leverage) ratio | 10.6147% | 2,632 |
| Tier 1 risk-based capital ratio | 12.1053% | 5,894 |
| Total risk-based capital ratio | 14.6644% | 4,878 |
| Memoranda: | ||
| Average total assets | $1,314,879,000 | 509 |
| Average earning assets | $1,281,545,000 | 472 |
| Average equity | $139,308,500 | 510 |
| Average total loans | $1,098,612,000 | 393 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9766% | 96 |
| Cost of funding earning assets | 2.4805% | 26 |
| Net interest margin | 4.4962% | 1,143 |
| Noninterest income to average assets | -0.1057% | 7,102 |
| Noninterest expense to average assets | 1.3228% | 7,235 |
| Loan and lease loss provision to assets | 0.8553% | 1,135 |
| Net operating income to assets | 2.0710% | 271 |
| Return on assets (ROA) | 2.4389% | 154 |
| Pretax return on assets | 2.4521% | 222 |
| Return on Equity (ROE) | 24.5833% | 117 |
| Retained earnings to average equity (ytd only) | 11.9801% | 305 |
| Net charge-offs to loans | 0.8094% | 2,129 |
| Credit loss provision to net charge-offs | 125.6712% | 2,488 |
| Earnings coverage of net charge-offs (x) | 4.3136% | 3,168 |
| Efficiency ratio | 31.0614% | 7,289 |
| Assets per employee ($millions) | 20.5896% | 64 |
| Cash dividends to net income (ytd only)* | 51.2673% | 1,986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4427% | 4,278 |
| Loan loss allowance to noncurrent loans | 32.8852% | 6,017 |
| Noncurrent assets plus other real estate owned to assets | 4.5498% | 1,203 |
| Noncurrent loans to loans | 4.3871% | 1,373 |
| Net loans and leases to total assets | 83.2165% | 258 |
| Net loans and leases to deposits | 95.0138% | 744 |
| Net loans and leases to core deposits | 260.8710% | 48 |
| Total domestic deposits to total assets | 87.5837% | 2,423 |
| Equity capital to assets | 10.6391% | 3,378 |
| Core capital (leverage) ratio | 10.5726% | 2,637 |
| Tier 1 risk-based capital ratio | 12.0295% | 5,818 |
| Total risk-based capital ratio | 14.5903% | 4,788 |
| Memoranda: | ||
| Average total assets | $1,286,102,000 | 506 |
| Average earning assets | $1,248,352,600 | 477 |
| Average equity | $127,594,600 | 543 |
| Average total loans | $1,081,474,200 | 388 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1916% | 81 |
| Cost of funding earning assets | 2.5452% | 27 |
| Net interest margin | 4.6465% | 853 |
| Noninterest income to average assets | -0.1077% | 7,213 |
| Noninterest expense to average assets | 1.3696% | 7,289 |
| Loan and lease loss provision to assets | 0.7584% | 1,254 |
| Net operating income to assets | 2.2544% | 232 |
| Return on assets (ROA) | 2.5277% | 155 |
| Pretax return on assets | 2.5456% | 226 |
| Return on Equity (ROE) | 25.9530% | 112 |
| Retained earnings to average equity (ytd only) | 8.8590% | 1,197 |
| Net charge-offs to loans | 0.5208% | 2,670 |
| Credit loss provision to net charge-offs | 173.3555% | 1,722 |
| Earnings coverage of net charge-offs (x) | 6.9212% | 2,453 |
| Efficiency ratio | 31.1449% | 7,357 |
| Assets per employee ($millions) | 21.5415% | 63 |
| Cash dividends to net income (ytd only)* | 65.8652% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5290% | 3,965 |
| Loan loss allowance to noncurrent loans | 51.9883% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 3.5270% | 1,784 |
| Noncurrent loans to loans | 2.9410% | 2,369 |
| Net loans and leases to total assets | 82.9302% | 296 |
| Net loans and leases to deposits | 95.2966% | 742 |
| Net loans and leases to core deposits | 251.9243% | 48 |
| Total domestic deposits to total assets | 87.0233% | 2,645 |
| Equity capital to assets | 10.3239% | 3,927 |
| Core capital (leverage) ratio | 10.2876% | 3,097 |
| Tier 1 risk-based capital ratio | 11.4338% | 6,281 |
| Total risk-based capital ratio | 13.9970% | 5,274 |
| Memoranda: | ||
| Average total assets | $1,283,341,000 | 511 |
| Average earning assets | $1,244,356,750 | 483 |
| Average equity | $124,992,000 | 560 |
| Average total loans | $1,078,032,500 | 396 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2470% | 85 |
| Cost of funding earning assets | 2.6075% | 26 |
| Net interest margin | 4.6396% | 840 |
| Noninterest income to average assets | 0.3290% | 5,260 |
| Noninterest expense to average assets | 1.4456% | 7,340 |
| Loan and lease loss provision to assets | 0.8123% | 1,132 |
| Net operating income to assets | 2.5500% | 155 |
| Return on assets (ROA) | 2.6831% | 137 |
| Pretax return on assets | 2.7020% | 190 |
| Return on Equity (ROE) | 28.1165% | 88 |
| Retained earnings to average equity (ytd only) | 1.9251% | 5,018 |
| Net charge-offs to loans | 0.1375% | 4,370 |
| Credit loss provision to net charge-offs | 703.6536% | 454 |
| Earnings coverage of net charge-offs (x) | 29.2774% | 940 |
| Efficiency ratio | 29.9579% | 7,440 |
| Assets per employee ($millions) | 21.5878% | 62 |
| Cash dividends to net income (ytd only)* | 93.1532% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6967% | 3,333 |
| Loan loss allowance to noncurrent loans | 56.6866% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 3.5027% | 1,881 |
| Noncurrent loans to loans | 2.9931% | 2,427 |
| Net loans and leases to total assets | 83.3599% | 280 |
| Net loans and leases to deposits | 95.1172% | 793 |
| Net loans and leases to core deposits | 253.7280% | 57 |
| Total domestic deposits to total assets | 87.6391% | 2,376 |
| Equity capital to assets | 9.8468% | 4,336 |
| Core capital (leverage) ratio | 9.6277% | 3,770 |
| Tier 1 risk-based capital ratio | 11.0093% | 6,526 |
| Total risk-based capital ratio | 13.5984% | 5,456 |
| Memoranda: | ||
| Average total assets | $1,280,291,330 | 516 |
| Average earning assets | $1,240,808,670 | 495 |
| Average equity | $122,177,330 | 574 |
| Average total loans | $1,074,540,670 | 408 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2091% | 93 |
| Cost of funding earning assets | 2.6313% | 29 |
| Net interest margin | 4.5778% | 901 |
| Noninterest income to average assets | 0.3409% | 5,184 |
| Noninterest expense to average assets | 1.5003% | 7,360 |
| Loan and lease loss provision to assets | 0.4326% | 2,029 |
| Net operating income to assets | 2.8234% | 126 |
| Return on assets (ROA) | 2.7426% | 144 |
| Pretax return on assets | 2.7618% | 189 |
| Return on Equity (ROE) | 29.1892% | 92 |
| Retained earnings to average equity (ytd only) | 9.4556% | 1,245 |
| Net charge-offs to loans | 0.1092% | 3,873 |
| Credit loss provision to net charge-offs | 474.5763% | 747 |
| Earnings coverage of net charge-offs (x) | 35.9356% | 731 |
| Efficiency ratio | 31.4117% | 7,490 |
| Assets per employee ($millions) | 22.5819% | 61 |
| Cash dividends to net income (ytd only)* | 67.6056% | 1,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 4,905 |
| Loan loss allowance to noncurrent loans | 80.1389% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 2.6715% | 2,566 |
| Noncurrent loans to loans | 1.6835% | 3,957 |
| Net loans and leases to total assets | 81.8414% | 356 |
| Net loans and leases to deposits | 92.6704% | 961 |
| Net loans and leases to core deposits | 243.2655% | 57 |
| Total domestic deposits to total assets | 88.3145% | 2,184 |
| Equity capital to assets | 9.3700% | 4,620 |
| Core capital (leverage) ratio | 9.7295% | 3,485 |
| Tier 1 risk-based capital ratio | 10.8727% | 6,593 |
| Total risk-based capital ratio | 13.4233% | 5,525 |
| Memoranda: | ||
| Average total assets | $1,294,390,500 | 519 |
| Average earning assets | $1,254,133,000 | 498 |
| Average equity | $121,620,500 | 573 |
| Average total loans | $1,080,932,000 | 408 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1426% | 123 |
| Cost of funding earning assets | 2.9490% | 30 |
| Net interest margin | 4.1936% | 2,211 |
| Noninterest income to average assets | 0.0294% | 7,197 |
| Noninterest expense to average assets | 1.0728% | 7,570 |
| Loan and lease loss provision to assets | 0.6929% | 2,372 |
| Net operating income to assets | 2.3299% | 149 |
| Return on assets (ROA) | 2.4593% | 125 |
| Pretax return on assets | 2.4735% | 190 |
| Return on Equity (ROE) | 26.8910% | 69 |
| Retained earnings to average equity (ytd only) | 14.0078% | 163 |
| Net charge-offs to loans | 0.6457% | 3,082 |
| Credit loss provision to net charge-offs | 130.6246% | 3,035 |
| Earnings coverage of net charge-offs (x) | 5.7229% | 2,549 |
| Efficiency ratio | 26.1108% | 7,600 |
| Assets per employee ($millions) | 22.0522% | 58 |
| Cash dividends to net income (ytd only)* | 47.9088% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 5,202 |
| Loan loss allowance to noncurrent loans | 61.0898% | 4,359 |
| Noncurrent assets plus other real estate owned to assets | 2.3049% | 2,965 |
| Noncurrent loans to loans | 2.0634% | 3,469 |
| Net loans and leases to total assets | 83.0108% | 386 |
| Net loans and leases to deposits | 94.1699% | 1,046 |
| Net loans and leases to core deposits | 258.2733% | 60 |
| Total domestic deposits to total assets | 88.1500% | 2,150 |
| Equity capital to assets | 9.4225% | 4,512 |
| Core capital (leverage) ratio | 9.5792% | 3,591 |
| Tier 1 risk-based capital ratio | 10.8538% | 6,446 |
| Total risk-based capital ratio | 13.3829% | 5,333 |
| Memoranda: | ||
| Average total assets | $1,273,626,800 | 531 |
| Average earning assets | $1,238,876,800 | 491 |
| Average equity | $116,477,800 | 581 |
| Average total loans | $1,046,333,800 | 428 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1678% | 119 |
| Cost of funding earning assets | 2.9926% | 32 |
| Net interest margin | 4.1752% | 2,317 |
| Noninterest income to average assets | -0.0397% | 7,491 |
| Noninterest expense to average assets | 0.9940% | 7,696 |
| Loan and lease loss provision to assets | 0.5816% | 2,605 |
| Net operating income to assets | 2.4312% | 158 |
| Return on assets (ROA) | 2.6039% | 130 |
| Pretax return on assets | 2.6198% | 193 |
| Return on Equity (ROE) | 28.6906% | 62 |
| Retained earnings to average equity (ytd only) | 18.8758% | 97 |
| Net charge-offs to loans | 0.2393% | 4,508 |
| Credit loss provision to net charge-offs | 297.5871% | 1,075 |
| Earnings coverage of net charge-offs (x) | 15.4880% | 1,435 |
| Efficiency ratio | 24.7198% | 7,710 |
| Assets per employee ($millions) | 21.9054% | 62 |
| Cash dividends to net income (ytd only)* | 34.2094% | 2,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4329% | 4,298 |
| Loan loss allowance to noncurrent loans | 62.8782% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 2.5089% | 2,862 |
| Noncurrent loans to loans | 2.2788% | 3,352 |
| Net loans and leases to total assets | 80.7422% | 642 |
| Net loans and leases to deposits | 92.2270% | 1,419 |
| Net loans and leases to core deposits | 234.4173% | 65 |
| Total domestic deposits to total assets | 87.5472% | 2,235 |
| Equity capital to assets | 9.6831% | 4,566 |
| Core capital (leverage) ratio | 9.6140% | 3,747 |
| Tier 1 risk-based capital ratio | 10.7938% | 6,552 |
| Total risk-based capital ratio | 13.5770% | 5,125 |
| Memoranda: | ||
| Average total assets | $1,272,276,000 | 525 |
| Average earning assets | $1,237,396,500 | 485 |
| Average equity | $115,468,000 | 579 |
| Average total loans | $1,039,095,500 | 429 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3355% | 105 |
| Cost of funding earning assets | 3.0232% | 36 |
| Net interest margin | 4.3124% | 1,727 |
| Noninterest income to average assets | 0.0394% | 7,388 |
| Noninterest expense to average assets | 0.9101% | 7,784 |
| Loan and lease loss provision to assets | 0.6637% | 2,175 |
| Net operating income to assets | 2.6423% | 116 |
| Return on assets (ROA) | 2.6932% | 114 |
| Pretax return on assets | 2.7095% | 171 |
| Return on Equity (ROE) | 30.3665% | 54 |
| Retained earnings to average equity (ytd only) | 20.5663% | 81 |
| Net charge-offs to loans | 0.1464% | 4,769 |
| Credit loss provision to net charge-offs | 555.5556% | 664 |
| Earnings coverage of net charge-offs (x) | 27.8042% | 966 |
| Efficiency ratio | 21.5057% | 7,790 |
| Assets per employee ($millions) | 21.5756% | 61 |
| Cash dividends to net income (ytd only)* | 32.2732% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4393% | 4,239 |
| Loan loss allowance to noncurrent loans | 69.3823% | 3,875 |
| Noncurrent assets plus other real estate owned to assets | 2.3071% | 3,125 |
| Noncurrent loans to loans | 2.0744% | 3,627 |
| Net loans and leases to total assets | 80.3111% | 756 |
| Net loans and leases to deposits | 91.5378% | 1,607 |
| Net loans and leases to core deposits | 241.0712% | 65 |
| Total domestic deposits to total assets | 87.7354% | 2,145 |
| Equity capital to assets | 9.4567% | 4,771 |
| Core capital (leverage) ratio | 9.3059% | 4,109 |
| Tier 1 risk-based capital ratio | 10.6041% | 6,601 |
| Total risk-based capital ratio | 13.4220% | 5,129 |
| Memoranda: | ||
| Average total assets | $1,265,562,670 | 529 |
| Average earning assets | $1,230,419,330 | 485 |
| Average equity | $112,242,000 | 585 |
| Average total loans | $1,032,562,330 | 435 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1727% | 130 |
| Cost of funding earning assets | 3.0421% | 41 |
| Net interest margin | 4.1305% | 2,318 |
| Noninterest income to average assets | 0.3129% | 5,649 |
| Noninterest expense to average assets | 0.8197% | 7,891 |
| Loan and lease loss provision to assets | 0.6657% | 1,904 |
| Net operating income to assets | 2.8292% | 105 |
| Return on assets (ROA) | 2.8282% | 110 |
| Pretax return on assets | 2.8421% | 155 |
| Return on Equity (ROE) | 32.9916% | 64 |
| Retained earnings to average equity (ytd only) | 32.9916% | 47 |
| Net charge-offs to loans | -0.0314% | 7,211 |
| Credit loss provision to net charge-offs | -2,592.5926% | 6,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.9381% | 7,903 |
| Assets per employee ($millions) | 22.1696% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,839 |
| Loan loss allowance to noncurrent loans | 62.3819% | 4,253 |
| Noncurrent assets plus other real estate owned to assets | 2.3055% | 3,145 |
| Noncurrent loans to loans | 2.1104% | 3,641 |
| Net loans and leases to total assets | 81.0649% | 707 |
| Net loans and leases to deposits | 92.1769% | 1,588 |
| Net loans and leases to core deposits | 252.8246% | 71 |
| Total domestic deposits to total assets | 87.9449% | 2,098 |
| Equity capital to assets | 9.0943% | 5,146 |
| Core capital (leverage) ratio | 9.0786% | 4,418 |
| Tier 1 risk-based capital ratio | 10.1558% | 6,928 |
| Total risk-based capital ratio | 12.8958% | 5,498 |
| Memoranda: | ||
| Average total assets | $1,261,862,500 | 545 |
| Average earning assets | $1,226,770,500 | 504 |
| Average equity | $108,173,000 | 610 |
| Average total loans | $1,030,214,000 | 458 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4843% | 136 |
| Cost of funding earning assets | 3.5184% | 40 |
| Net interest margin | 3.9659% | 2,999 |
| Noninterest income to average assets | 0.3610% | 5,505 |
| Noninterest expense to average assets | 1.0173% | 7,942 |
| Loan and lease loss provision to assets | 0.7870% | 2,773 |
| Net operating income to assets | 2.4114% | 102 |
| Return on assets (ROA) | 3.1421% | 55 |
| Pretax return on assets | 3.1549% | 84 |
| Return on Equity (ROE) | 37.6566% | 23 |
| Retained earnings to average equity (ytd only) | 25.2120% | 23 |
| Net charge-offs to loans | 0.5139% | 3,723 |
| Credit loss provision to net charge-offs | 192.4686% | 2,066 |
| Earnings coverage of net charge-offs (x) | 7.8527% | 2,053 |
| Efficiency ratio | 24.0577% | 7,969 |
| Assets per employee ($millions) | 22.1062% | 68 |
| Cash dividends to net income (ytd only)* | 33.0475% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1234% | 5,789 |
| Loan loss allowance to noncurrent loans | 59.4585% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 2.1719% | 3,167 |
| Noncurrent loans to loans | 1.8893% | 3,817 |
| Net loans and leases to total assets | 80.2254% | 953 |
| Net loans and leases to deposits | 92.5202% | 1,814 |
| Net loans and leases to core deposits | 110.5719% | 2,835 |
| Total domestic deposits to total assets | 86.7112% | 2,650 |
| Equity capital to assets | 8.0492% | 6,528 |
| Core capital (leverage) ratio | 8.5528% | 5,187 |
| Tier 1 risk-based capital ratio | 9.4011% | 7,280 |
| Total risk-based capital ratio | 11.9574% | 6,177 |
| Memoranda: | ||
| Average total assets | $1,168,925,600 | 573 |
| Average earning assets | $1,139,892,200 | 531 |
| Average equity | $97,536,800 | 677 |
| Average total loans | $930,098,600 | 514 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5357% | 142 |
| Cost of funding earning assets | 3.5927% | 48 |
| Net interest margin | 3.9430% | 3,071 |
| Noninterest income to average assets | 0.0694% | 7,567 |
| Noninterest expense to average assets | 0.9098% | 8,046 |
| Loan and lease loss provision to assets | 0.6747% | 2,713 |
| Net operating income to assets | 2.3218% | 147 |
| Return on assets (ROA) | 3.7047% | 41 |
| Pretax return on assets | 3.7313% | 60 |
| Return on Equity (ROE) | 43.9720% | 22 |
| Retained earnings to average equity (ytd only) | 34.0129% | 17 |
| Net charge-offs to loans | 0.3531% | 3,879 |
| Credit loss provision to net charge-offs | 241.4654% | 1,806 |
| Earnings coverage of net charge-offs (x) | 10.7689% | 1,925 |
| Efficiency ratio | 23.2160% | 8,044 |
| Assets per employee ($millions) | 20.9814% | 76 |
| Cash dividends to net income (ytd only)* | 22.6489% | 3,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0732% | 5,877 |
| Loan loss allowance to noncurrent loans | 47.1264% | 5,168 |
| Noncurrent assets plus other real estate owned to assets | 2.4751% | 2,782 |
| Noncurrent loans to loans | 2.2772% | 3,290 |
| Net loans and leases to total assets | 80.6488% | 1,052 |
| Net loans and leases to deposits | 93.1929% | 2,027 |
| Net loans and leases to core deposits | 101.1157% | 4,255 |
| Total domestic deposits to total assets | 86.5397% | 2,410 |
| Equity capital to assets | 8.8060% | 5,781 |
| Core capital (leverage) ratio | 8.8082% | 4,961 |
| Tier 1 risk-based capital ratio | 9.7092% | 7,231 |
| Total risk-based capital ratio | 12.4741% | 5,673 |
| Memoranda: | ||
| Average total assets | $1,146,143,000 | 590 |
| Average earning assets | $1,118,951,250 | 554 |
| Average equity | $96,565,000 | 685 |
| Average total loans | $907,030,750 | 540 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4818% | 160 |
| Cost of funding earning assets | 3.6332% | 71 |
| Net interest margin | 3.8486% | 3,346 |
| Noninterest income to average assets | 0.0421% | 7,777 |
| Noninterest expense to average assets | 0.8320% | 8,145 |
| Loan and lease loss provision to assets | 0.6551% | 2,464 |
| Net operating income to assets | 2.2992% | 160 |
| Return on assets (ROA) | 3.8099% | 40 |
| Pretax return on assets | 3.8385% | 56 |
| Return on Equity (ROE) | 45.9526% | 21 |
| Retained earnings to average equity (ytd only) | 33.3096% | 29 |
| Net charge-offs to loans | 0.2467% | 3,966 |
| Credit loss provision to net charge-offs | 339.1384% | 1,371 |
| Earnings coverage of net charge-offs (x) | 15.3630% | 1,602 |
| Efficiency ratio | 21.8966% | 8,136 |
| Assets per employee ($millions) | 21.5167% | 72 |
| Cash dividends to net income (ytd only)* | 27.5131% | 2,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0414% | 5,959 |
| Loan loss allowance to noncurrent loans | 86.3210% | 3,286 |
| Noncurrent assets plus other real estate owned to assets | 1.8610% | 3,388 |
| Noncurrent loans to loans | 1.2064% | 4,801 |
| Net loans and leases to total assets | 77.6774% | 1,823 |
| Net loans and leases to deposits | 92.8905% | 2,292 |
| Net loans and leases to core deposits | 100.0916% | 4,499 |
| Total domestic deposits to total assets | 83.6226% | 3,954 |
| Equity capital to assets | 8.1916% | 6,505 |
| Core capital (leverage) ratio | 8.2816% | 5,838 |
| Tier 1 risk-based capital ratio | 8.9136% | 7,738 |
| Total risk-based capital ratio | 11.6155% | 6,450 |
| Memoranda: | ||
| Average total assets | $1,129,544,670 | 609 |
| Average earning assets | $1,102,834,330 | 573 |
| Average equity | $93,648,670 | 711 |
| Average total loans | $884,383,330 | 566 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4288% | 182 |
| Cost of funding earning assets | 3.7181% | 84 |
| Net interest margin | 3.7107% | 3,846 |
| Noninterest income to average assets | 0.0192% | 7,980 |
| Noninterest expense to average assets | 0.7669% | 8,198 |
| Loan and lease loss provision to assets | 0.5804% | 2,171 |
| Net operating income to assets | 2.2906% | 196 |
| Return on assets (ROA) | 3.7319% | 44 |
| Pretax return on assets | 3.7598% | 65 |
| Return on Equity (ROE) | 44.7249% | 33 |
| Retained earnings to average equity (ytd only) | 27.4862% | 65 |
| Net charge-offs to loans | 0.0937% | 4,243 |
| Credit loss provision to net charge-offs | 792.0792% | 755 |
| Earnings coverage of net charge-offs (x) | 39.3614% | 866 |
| Efficiency ratio | 21.0035% | 8,186 |
| Assets per employee ($millions) | 20.4646% | 79 |
| Cash dividends to net income (ytd only)* | 38.5438% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 6,457 |
| Loan loss allowance to noncurrent loans | 49.5898% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 1.8679% | 3,116 |
| Noncurrent loans to loans | 1.9270% | 3,372 |
| Net loans and leases to total assets | 76.5379% | 2,152 |
| Net loans and leases to deposits | 90.9737% | 2,779 |
| Net loans and leases to core deposits | 97.8008% | 4,763 |
| Total domestic deposits to total assets | 84.1320% | 3,641 |
| Equity capital to assets | 8.0807% | 6,699 |
| Core capital (leverage) ratio | 7.9870% | 6,473 |
| Tier 1 risk-based capital ratio | 8.2360% | 7,985 |
| Total risk-based capital ratio | 10.8824% | 7,241 |
| Memoranda: | ||
| Average total assets | $1,102,607,000 | 625 |
| Average earning assets | $1,079,259,500 | 589 |
| Average equity | $92,002,500 | 718 |
| Average total loans | $862,113,000 | 578 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9838% | 197 |
| Cost of funding earning assets | 4.4253% | 17 |
| Net interest margin | 3.5585% | 5,060 |
| Noninterest income to average assets | 0.2143% | 6,902 |
| Noninterest expense to average assets | 1.0685% | 8,193 |
| Loan and lease loss provision to assets | 0.6507% | 2,236 |
| Net operating income to assets | 1.9509% | 394 |
| Return on assets (ROA) | 1.9509% | 379 |
| Pretax return on assets | 1.9562% | 687 |
| Return on Equity (ROE) | 22.3938% | 238 |
| Retained earnings to average equity (ytd only) | 5.6194% | 1,702 |
| Net charge-offs to loans | 0.6657% | 1,856 |
| Credit loss provision to net charge-offs | 114.6919% | 4,710 |
| Earnings coverage of net charge-offs (x) | 4.5951% | 3,927 |
| Efficiency ratio | 29.0718% | 8,237 |
| Assets per employee ($millions) | 18.9142% | 82 |
| Cash dividends to net income (ytd only)* | 74.9063% | 1,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 6,932 |
| Loan loss allowance to noncurrent loans | 87.0503% | 3,873 |
| Noncurrent assets plus other real estate owned to assets | 1.1811% | 3,897 |
| Noncurrent loans to loans | 0.9678% | 4,661 |
| Net loans and leases to total assets | 78.5086% | 1,999 |
| Net loans and leases to deposits | 96.9312% | 2,299 |
| Net loans and leases to core deposits | 105.5447% | 4,241 |
| Total domestic deposits to total assets | 80.9941% | 4,642 |
| Equity capital to assets | 8.6291% | 5,890 |
| Core capital (leverage) ratio | 8.0557% | 6,394 |
| Tier 1 risk-based capital ratio | 8.0249% | 8,083 |
| Total risk-based capital ratio | 11.4521% | 6,380 |
| Memoranda: | ||
| Average total assets | $929,820,800 | 718 |
| Average earning assets | $904,341,000 | 661 |
| Average equity | $81,004,600 | 824 |
| Average total loans | $792,391,400 | 602 |