Home > Triumph Community Bank > Performance and Condition Ratios
Triumph Community Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6310% | 215 |
| Cost of funding earning assets | 0.3399% | 3,860 |
| Net interest margin | 5.2911% | 168 |
| Noninterest income to average assets | 0.8879% | 1,486 |
| Noninterest expense to average assets | 3.1937% | 1,982 |
| Loan and lease loss provision to assets | 0.2815% | 556 |
| Net operating income to assets | 1.3561% | 1,211 |
| Return on assets (ROA) | 1.3782% | 1,214 |
| Pretax return on assets | 2.1863% | 431 |
| Return on Equity (ROE) | 10.2425% | 2,001 |
| Retained earnings to average equity (ytd only) | 10.2425% | 595 |
| Net charge-offs to loans | 0.0552% | 2,813 |
| Credit loss provision to net charge-offs | 696.3333% | 490 |
| Earnings coverage of net charge-offs (x) | 60.1900% | 922 |
| Efficiency ratio | 51.8296% | 5,664 |
| Assets per employee ($millions) | 3.6882% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9191% | 5,127 |
| Loan loss allowance to noncurrent loans | 94.9242% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.1821% | 1,999 |
| Noncurrent loans to loans | 0.9683% | 2,567 |
| Net loans and leases to total assets | 72.9485% | 1,915 |
| Net loans and leases to deposits | 87.2429% | 2,001 |
| Net loans and leases to core deposits | 98.3298% | 1,664 |
| Total domestic deposits to total assets | 83.6155% | 3,566 |
| Equity capital to assets | 14.1234% | 976 |
| Core capital (leverage) ratio | 13.2027% | 1,133 |
| Tier 1 risk-based capital ratio | 15.6931% | 2,956 |
| Total risk-based capital ratio | 16.5121% | 3,097 |
| Memoranda: | ||
| Average total assets | $989,456,000 | 701 |
| Average earning assets | $886,218,000 | 720 |
| Average equity | $133,141,750 | 574 |
| Average total loans | $724,465,000 | 647 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5359% | 248 |
| Cost of funding earning assets | 0.3263% | 4,092 |
| Net interest margin | 5.2096% | 181 |
| Noninterest income to average assets | 0.9141% | 1,406 |
| Noninterest expense to average assets | 3.1921% | 2,001 |
| Loan and lease loss provision to assets | 0.3866% | 319 |
| Net operating income to assets | 1.2828% | 1,370 |
| Return on assets (ROA) | 1.3140% | 1,331 |
| Pretax return on assets | 2.0638% | 527 |
| Return on Equity (ROE) | 9.9272% | 2,108 |
| Retained earnings to average equity (ytd only) | 9.9272% | 681 |
| Net charge-offs to loans | 0.0739% | 2,335 |
| Credit loss provision to net charge-offs | 715.6716% | 474 |
| Earnings coverage of net charge-offs (x) | 44.4590% | 1,044 |
| Efficiency ratio | 52.0503% | 5,712 |
| Assets per employee ($millions) | 3.6899% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 5,469 |
| Loan loss allowance to noncurrent loans | 73.5960% | 4,385 |
| Noncurrent assets plus other real estate owned to assets | 1.3525% | 1,850 |
| Noncurrent loans to loans | 1.1546% | 2,335 |
| Net loans and leases to total assets | 75.8485% | 1,384 |
| Net loans and leases to deposits | 90.0643% | 1,589 |
| Net loans and leases to core deposits | 101.3407% | 1,373 |
| Total domestic deposits to total assets | 84.2160% | 3,480 |
| Equity capital to assets | 13.4830% | 1,175 |
| Core capital (leverage) ratio | 12.5930% | 1,335 |
| Tier 1 risk-based capital ratio | 14.5497% | 3,608 |
| Total risk-based capital ratio | 15.3190% | 3,820 |
| Memoranda: | ||
| Average total assets | $992,254,670 | 702 |
| Average earning assets | $891,313,330 | 715 |
| Average equity | $131,336,000 | 582 |
| Average total loans | $725,184,000 | 648 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1425% | 448 |
| Cost of funding earning assets | 0.3062% | 4,371 |
| Net interest margin | 4.8363% | 326 |
| Noninterest income to average assets | 0.9765% | 1,174 |
| Noninterest expense to average assets | 3.1935% | 2,001 |
| Loan and lease loss provision to assets | 0.3266% | 419 |
| Net operating income to assets | 1.1485% | 1,709 |
| Return on assets (ROA) | 1.1485% | 1,814 |
| Pretax return on assets | 1.7964% | 870 |
| Return on Equity (ROE) | 8.7599% | 2,568 |
| Retained earnings to average equity (ytd only) | 8.7599% | 1,285 |
| Net charge-offs to loans | 0.1095% | 1,648 |
| Credit loss provision to net charge-offs | 418.1347% | 631 |
| Earnings coverage of net charge-offs (x) | 27.1813% | 1,217 |
| Efficiency ratio | 54.6929% | 5,618 |
| Assets per employee ($millions) | 3.6443% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7631% | 5,776 |
| Loan loss allowance to noncurrent loans | 63.3214% | 4,630 |
| Noncurrent assets plus other real estate owned to assets | 1.3337% | 1,995 |
| Noncurrent loans to loans | 1.2051% | 2,364 |
| Net loans and leases to total assets | 71.1633% | 1,954 |
| Net loans and leases to deposits | 83.7815% | 2,112 |
| Net loans and leases to core deposits | 93.6685% | 1,796 |
| Total domestic deposits to total assets | 84.9392% | 3,437 |
| Equity capital to assets | 13.1569% | 1,322 |
| Core capital (leverage) ratio | 12.5748% | 1,328 |
| Tier 1 risk-based capital ratio | 14.8297% | 3,526 |
| Total risk-based capital ratio | 15.5130% | 3,774 |
| Memoranda: | ||
| Average total assets | $988,398,000 | 703 |
| Average earning assets | $886,960,500 | 718 |
| Average equity | $129,591,000 | 592 |
| Average total loans | $705,295,500 | 655 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 290 |
| Cost of funding earning assets | 0.2079% | 5,680 |
| Net interest margin | 5.3512% | 165 |
| Noninterest income to average assets | 2.3082% | 262 |
| Noninterest expense to average assets | 3.2977% | 1,934 |
| Loan and lease loss provision to assets | 0.4604% | 357 |
| Net operating income to assets | 2.0962% | 277 |
| Return on assets (ROA) | 2.1022% | 280 |
| Pretax return on assets | 3.2865% | 90 |
| Return on Equity (ROE) | 16.8150% | 510 |
| Retained earnings to average equity (ytd only) | 16.8150% | 108 |
| Net charge-offs to loans | 0.0242% | 4,352 |
| Credit loss provision to net charge-offs | 2,694.9686% | 114 |
| Earnings coverage of net charge-offs (x) | 218.7736% | 246 |
| Efficiency ratio | 42.4142% | 6,360 |
| Assets per employee ($millions) | 3.6366% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 5,996 |
| Loan loss allowance to noncurrent loans | 56.5400% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 1.3286% | 2,114 |
| Noncurrent loans to loans | 1.2351% | 2,386 |
| Net loans and leases to total assets | 70.5012% | 2,154 |
| Net loans and leases to deposits | 82.5362% | 2,403 |
| Net loans and leases to core deposits | 92.3632% | 2,053 |
| Total domestic deposits to total assets | 85.4186% | 3,116 |
| Equity capital to assets | 13.0645% | 1,339 |
| Core capital (leverage) ratio | 11.8788% | 1,707 |
| Tier 1 risk-based capital ratio | 14.3622% | 3,855 |
| Total risk-based capital ratio | 14.9972% | 4,204 |
| Memoranda: | ||
| Average total assets | $930,730,600 | 718 |
| Average earning assets | $822,157,600 | 744 |
| Average equity | $116,360,400 | 623 |
| Average total loans | $657,654,800 | 661 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4633% | 336 |
| Cost of funding earning assets | 0.1815% | 5,983 |
| Net interest margin | 5.2818% | 181 |
| Noninterest income to average assets | 2.7046% | 219 |
| Noninterest expense to average assets | 3.3226% | 1,857 |
| Loan and lease loss provision to assets | 0.4484% | 349 |
| Net operating income to assets | 2.2775% | 198 |
| Return on assets (ROA) | 2.2799% | 204 |
| Pretax return on assets | 3.5900% | 82 |
| Return on Equity (ROE) | 18.4572% | 401 |
| Retained earnings to average equity (ytd only) | 18.4572% | 99 |
| Net charge-offs to loans | 0.0130% | 4,292 |
| Credit loss provision to net charge-offs | 4,904.7619% | 78 |
| Earnings coverage of net charge-offs (x) | 441.3382% | 169 |
| Efficiency ratio | 41.0272% | 6,435 |
| Assets per employee ($millions) | 3.5364% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5470% | 6,288 |
| Loan loss allowance to noncurrent loans | 41.1971% | 5,417 |
| Noncurrent assets plus other real estate owned to assets | 1.5984% | 1,904 |
| Noncurrent loans to loans | 1.3278% | 2,429 |
| Net loans and leases to total assets | 73.8846% | 1,544 |
| Net loans and leases to deposits | 88.1204% | 1,651 |
| Net loans and leases to core deposits | 99.1204% | 1,441 |
| Total domestic deposits to total assets | 83.8451% | 3,817 |
| Equity capital to assets | 13.3715% | 1,249 |
| Core capital (leverage) ratio | 11.8679% | 1,776 |
| Tier 1 risk-based capital ratio | 13.9732% | 4,236 |
| Total risk-based capital ratio | 14.4757% | 4,650 |
| Memoranda: | ||
| Average total assets | $918,850,500 | 730 |
| Average earning assets | $809,402,750 | 757 |
| Average equity | $113,499,500 | 642 |
| Average total loans | $648,436,250 | 668 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4135% | 362 |
| Cost of funding earning assets | 0.1633% | 6,169 |
| Net interest margin | 5.2503% | 181 |
| Noninterest income to average assets | 0.8183% | 1,770 |
| Noninterest expense to average assets | 3.2012% | 2,189 |
| Loan and lease loss provision to assets | 0.4000% | 417 |
| Net operating income to assets | 1.1921% | 1,616 |
| Return on assets (ROA) | 1.1944% | 1,676 |
| Pretax return on assets | 1.8266% | 803 |
| Return on Equity (ROE) | 9.9444% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.9444% | 726 |
| Net charge-offs to loans | -0.0390% | 5,775 |
| Credit loss provision to net charge-offs | -1,479.8387% | 5,777 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1889% | 5,981 |
| Assets per employee ($millions) | 3.4719% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3807% | 6,496 |
| Loan loss allowance to noncurrent loans | 37.5823% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 1.3962% | 2,343 |
| Noncurrent loans to loans | 1.0131% | 3,208 |
| Net loans and leases to total assets | 71.4481% | 1,833 |
| Net loans and leases to deposits | 87.2567% | 1,675 |
| Net loans and leases to core deposits | 94.6359% | 1,724 |
| Total domestic deposits to total assets | 81.8826% | 4,684 |
| Equity capital to assets | 11.5250% | 2,400 |
| Core capital (leverage) ratio | 10.1060% | 3,462 |
| Tier 1 risk-based capital ratio | 11.6626% | 5,712 |
| Total risk-based capital ratio | 12.0103% | 6,100 |
| Memoranda: | ||
| Average total assets | $917,463,330 | 734 |
| Average earning assets | $804,874,330 | 761 |
| Average equity | $110,192,330 | 659 |
| Average total loans | $636,010,000 | 674 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3386% | 388 |
| Cost of funding earning assets | 0.1567% | 6,316 |
| Net interest margin | 5.1819% | 189 |
| Noninterest income to average assets | 0.8462% | 1,577 |
| Noninterest expense to average assets | 3.2871% | 1,973 |
| Loan and lease loss provision to assets | 0.2712% | 765 |
| Net operating income to assets | 1.2003% | 1,485 |
| Return on assets (ROA) | 1.2051% | 1,537 |
| Pretax return on assets | 1.8397% | 750 |
| Return on Equity (ROE) | 9.8132% | 2,107 |
| Retained earnings to average equity (ytd only) | 9.8132% | 1,013 |
| Net charge-offs to loans | -0.0784% | 6,021 |
| Credit loss provision to net charge-offs | -508.4746% | 5,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8885% | 5,934 |
| Assets per employee ($millions) | 3.3728% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2390% | 6,628 |
| Loan loss allowance to noncurrent loans | 41.9186% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 1.2649% | 2,748 |
| Noncurrent loans to loans | 0.5702% | 4,451 |
| Net loans and leases to total assets | 67.5971% | 2,284 |
| Net loans and leases to deposits | 79.4338% | 2,375 |
| Net loans and leases to core deposits | 87.6431% | 2,136 |
| Total domestic deposits to total assets | 85.0986% | 3,823 |
| Equity capital to assets | 12.3698% | 1,646 |
| Core capital (leverage) ratio | 10.8735% | 2,523 |
| Tier 1 risk-based capital ratio | 13.3050% | 4,825 |
| Total risk-based capital ratio | 13.5223% | 5,395 |
| Memoranda: | ||
| Average total assets | $884,923,500 | 765 |
| Average earning assets | $776,085,500 | 797 |
| Average equity | $108,669,500 | 669 |
| Average total loans | $601,669,500 | 722 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2409% | 6,764 |
| Cost of funding earning assets | 0.0332% | 6,762 |
| Net interest margin | 1.2078% | 6,750 |
| Noninterest income to average assets | 0.2233% | 5,738 |
| Noninterest expense to average assets | 0.6669% | 6,779 |
| Loan and lease loss provision to assets | 0.0824% | 3,470 |
| Net operating income to assets | 0.3434% | 5,363 |
| Return on assets (ROA) | 0.3434% | 5,473 |
| Pretax return on assets | 0.5365% | 5,085 |
| Return on Equity (ROE) | 2.8919% | 5,547 |
| Retained earnings to average equity (ytd only) | 2.8919% | 4,187 |
| Net charge-offs to loans | 0.0046% | 5,390 |
| Credit loss provision to net charge-offs | 2,781.4815% | 83 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 215 |
| Efficiency ratio | 46.5797% | 6,533 |
| Assets per employee ($millions) | 3.1296% | 5,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1207% | 6,728 |
| Loan loss allowance to noncurrent loans | 22.1407% | 6,129 |
| Noncurrent assets plus other real estate owned to assets | 1.2944% | 2,835 |
| Noncurrent loans to loans | 0.5450% | 4,627 |
| Net loans and leases to total assets | 68.1438% | 2,334 |
| Net loans and leases to deposits | 79.0781% | 2,577 |
| Net loans and leases to core deposits | 87.1609% | 2,331 |
| Total domestic deposits to total assets | 86.1728% | 3,167 |
| Equity capital to assets | 12.1893% | 1,692 |
| Core capital (leverage) ratio | 10.1277% | 3,391 |
| Tier 1 risk-based capital ratio | 12.9113% | 5,041 |
| Total risk-based capital ratio | 13.0230% | 5,690 |
| Memoranda: | ||
| Average total assets | $911,857,400 | 722 |
| Average earning assets | $802,146,800 | 749 |
| Average equity | $108,269,200 | 652 |
| Average total loans | $589,228,600 | 706 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0830% | 3,834 |
| Cost of funding earning assets | 0.5363% | 3,405 |
| Net interest margin | 3.5466% | 3,675 |
| Noninterest income to average assets | 1.1426% | 1,123 |
| Noninterest expense to average assets | 3.3112% | 2,051 |
| Loan and lease loss provision to assets | 0.1449% | 2,469 |
| Net operating income to assets | 0.5300% | 4,668 |
| Return on assets (ROA) | 0.5344% | 4,798 |
| Pretax return on assets | 0.8157% | 4,232 |
| Return on Equity (ROE) | 4.5292% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.5292% | 3,454 |
| Net charge-offs to loans | 0.3271% | 1,907 |
| Credit loss provision to net charge-offs | 69.4927% | 3,082 |
| Earnings coverage of net charge-offs (x) | 4.5740% | 3,409 |
| Efficiency ratio | 75.2081% | 2,870 |
| Assets per employee ($millions) | 3.0928% | 5,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6417% | 2,834 |
| Loan loss allowance to noncurrent loans | 217.1879% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 1.6228% | 2,524 |
| Noncurrent loans to loans | 0.7559% | 4,336 |
| Net loans and leases to total assets | 64.7120% | 2,868 |
| Net loans and leases to deposits | 76.4023% | 2,893 |
| Net loans and leases to core deposits | 86.0660% | 2,401 |
| Total domestic deposits to total assets | 84.6990% | 3,885 |
| Equity capital to assets | 12.0219% | 1,903 |
| Core capital (leverage) ratio | 11.4895% | 2,053 |
| Tier 1 risk-based capital ratio | 14.0680% | 4,376 |
| Total risk-based capital ratio | 15.3193% | 4,326 |
| Memoranda: | ||
| Average total assets | $919,967,250 | 720 |
| Average earning assets | $809,949,000 | 746 |
| Average equity | $108,537,750 | 658 |
| Average total loans | $586,537,500 | 713 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0611% | 3,872 |
| Cost of funding earning assets | 0.5630% | 3,281 |
| Net interest margin | 3.4981% | 3,788 |
| Noninterest income to average assets | 1.1763% | 1,096 |
| Noninterest expense to average assets | 3.4005% | 1,818 |
| Loan and lease loss provision to assets | 0.1508% | 2,438 |
| Net operating income to assets | 0.5003% | 4,800 |
| Return on assets (ROA) | 0.5003% | 4,969 |
| Pretax return on assets | 0.7105% | 4,649 |
| Return on Equity (ROE) | 4.2663% | 5,106 |
| Retained earnings to average equity (ytd only) | 4.2663% | 3,581 |
| Net charge-offs to loans | 0.1816% | 2,668 |
| Credit loss provision to net charge-offs | 131.5789% | 1,727 |
| Earnings coverage of net charge-offs (x) | 7.5169% | 2,538 |
| Efficiency ratio | 77.3864% | 2,563 |
| Assets per employee ($millions) | 3.0974% | 5,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7529% | 2,585 |
| Loan loss allowance to noncurrent loans | 99.7473% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 2.2196% | 1,943 |
| Noncurrent loans to loans | 1.7573% | 2,689 |
| Net loans and leases to total assets | 62.9434% | 3,112 |
| Net loans and leases to deposits | 73.4708% | 3,227 |
| Net loans and leases to core deposits | 80.7197% | 2,949 |
| Total domestic deposits to total assets | 85.6713% | 3,546 |
| Equity capital to assets | 11.6075% | 2,212 |
| Core capital (leverage) ratio | 10.5925% | 2,777 |
| Tier 1 risk-based capital ratio | 13.8301% | 4,540 |
| Total risk-based capital ratio | 15.0826% | 4,508 |
| Memoranda: | ||
| Average total assets | $928,686,000 | 715 |
| Average earning assets | $819,133,330 | 736 |
| Average equity | $108,899,330 | 660 |
| Average total loans | $586,031,000 | 710 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0290% | 4,000 |
| Cost of funding earning assets | 0.5664% | 3,412 |
| Net interest margin | 3.4626% | 3,850 |
| Noninterest income to average assets | 1.1882% | 1,063 |
| Noninterest expense to average assets | 3.3665% | 1,911 |
| Loan and lease loss provision to assets | 0.1709% | 2,153 |
| Net operating income to assets | 0.4973% | 4,682 |
| Return on assets (ROA) | 0.4973% | 4,836 |
| Pretax return on assets | 0.7071% | 4,549 |
| Return on Equity (ROE) | 4.2205% | 4,987 |
| Retained earnings to average equity (ytd only) | -0.3118% | 5,837 |
| Net charge-offs to loans | 0.3029% | 1,755 |
| Credit loss provision to net charge-offs | 90.0901% | 2,022 |
| Earnings coverage of net charge-offs (x) | 4.6284% | 2,513 |
| Efficiency ratio | 76.9177% | 2,777 |
| Assets per employee ($millions) | 3.1861% | 5,659 |
| Cash dividends to net income (ytd only)* | 107.3883% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7580% | 2,775 |
| Loan loss allowance to noncurrent loans | 82.7623% | 3,868 |
| Noncurrent assets plus other real estate owned to assets | 2.4996% | 1,847 |
| Noncurrent loans to loans | 2.1242% | 2,469 |
| Net loans and leases to total assets | 60.1555% | 3,402 |
| Net loans and leases to deposits | 70.8377% | 3,350 |
| Net loans and leases to core deposits | 77.7603% | 3,107 |
| Total domestic deposits to total assets | 84.9203% | 4,083 |
| Equity capital to assets | 11.8118% | 2,166 |
| Core capital (leverage) ratio | 11.1444% | 2,141 |
| Tier 1 risk-based capital ratio | 14.6930% | 4,045 |
| Total risk-based capital ratio | 15.9454% | 4,009 |
| Memoranda: | ||
| Average total assets | $936,167,500 | 717 |
| Average earning assets | $826,317,500 | 734 |
| Average equity | $110,319,000 | 662 |
| Average total loans | $586,352,000 | 709 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2072% | 4,570 |
| Cost of funding earning assets | 0.7420% | 3,143 |
| Net interest margin | 3.4653% | 4,647 |
| Noninterest income to average assets | 1.0782% | 1,337 |
| Noninterest expense to average assets | 3.1989% | 2,618 |
| Loan and lease loss provision to assets | 0.2227% | 2,902 |
| Net operating income to assets | 0.6704% | 3,879 |
| Return on assets (ROA) | 0.6793% | 4,103 |
| Pretax return on assets | 0.7374% | 4,529 |
| Return on Equity (ROE) | 6.4088% | 3,958 |
| Retained earnings to average equity (ytd only) | 6.4088% | 1,865 |
| Net charge-offs to loans | 0.7098% | 1,659 |
| Credit loss provision to net charge-offs | 52.6129% | 4,629 |
| Earnings coverage of net charge-offs (x) | 2.2454% | 4,297 |
| Efficiency ratio | 74.7111% | 2,947 |
| Assets per employee ($millions) | 3.2941% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6791% | 3,006 |
| Loan loss allowance to noncurrent loans | 66.9786% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 2.9254% | 1,622 |
| Noncurrent loans to loans | 2.5070% | 2,106 |
| Net loans and leases to total assets | 62.9515% | 3,065 |
| Net loans and leases to deposits | 73.8481% | 3,111 |
| Net loans and leases to core deposits | 80.9506% | 2,889 |
| Total domestic deposits to total assets | 85.2446% | 3,747 |
| Equity capital to assets | 11.7566% | 2,215 |
| Core capital (leverage) ratio | 10.7072% | 2,541 |
| Tier 1 risk-based capital ratio | 14.2096% | 4,236 |
| Total risk-based capital ratio | 15.4617% | 4,193 |
| Memoranda: | ||
| Average total assets | $999,121,200 | 661 |
| Average earning assets | $885,473,400 | 669 |
| Average equity | $105,900,600 | 670 |
| Average total loans | $595,787,800 | 691 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 5,110 |
| Cost of funding earning assets | 0.7836% | 3,082 |
| Net interest margin | 3.3374% | 5,257 |
| Noninterest income to average assets | 1.0154% | 1,463 |
| Noninterest expense to average assets | 3.1488% | 2,723 |
| Loan and lease loss provision to assets | 0.1578% | 3,545 |
| Net operating income to assets | 0.4782% | 4,920 |
| Return on assets (ROA) | 0.4855% | 5,163 |
| Pretax return on assets | 0.6827% | 4,916 |
| Return on Equity (ROE) | 4.6991% | 4,964 |
| Retained earnings to average equity (ytd only) | 4.6991% | 3,592 |
| Net charge-offs to loans | 0.4555% | 2,277 |
| Credit loss provision to net charge-offs | 59.0842% | 4,168 |
| Earnings coverage of net charge-offs (x) | 3.1093% | 3,781 |
| Efficiency ratio | 76.6875% | 2,568 |
| Assets per employee ($millions) | 3.1545% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8207% | 2,730 |
| Loan loss allowance to noncurrent loans | 70.7797% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 3.2453% | 1,577 |
| Noncurrent loans to loans | 2.5723% | 2,222 |
| Net loans and leases to total assets | 63.1436% | 3,182 |
| Net loans and leases to deposits | 72.7326% | 3,491 |
| Net loans and leases to core deposits | 79.4898% | 3,271 |
| Total domestic deposits to total assets | 86.8161% | 2,792 |
| Equity capital to assets | 11.1439% | 3,104 |
| Core capital (leverage) ratio | 10.1830% | 3,305 |
| Tier 1 risk-based capital ratio | 13.3088% | 5,018 |
| Total risk-based capital ratio | 14.5624% | 4,979 |
| Memoranda: | ||
| Average total assets | $1,014,199,000 | 660 |
| Average earning assets | $900,589,750 | 665 |
| Average equity | $104,782,750 | 680 |
| Average total loans | $594,462,750 | 691 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0420% | 5,508 |
| Cost of funding earning assets | 0.8386% | 2,879 |
| Net interest margin | 3.2034% | 5,734 |
| Noninterest income to average assets | 0.9564% | 1,592 |
| Noninterest expense to average assets | 3.1288% | 2,819 |
| Loan and lease loss provision to assets | 0.2327% | 2,745 |
| Net operating income to assets | 0.3376% | 5,472 |
| Return on assets (ROA) | 0.3490% | 5,658 |
| Pretax return on assets | 0.4630% | 5,539 |
| Return on Equity (ROE) | 3.4625% | 5,502 |
| Retained earnings to average equity (ytd only) | 3.4625% | 4,294 |
| Net charge-offs to loans | 0.5399% | 1,975 |
| Credit loss provision to net charge-offs | 75.8054% | 3,437 |
| Earnings coverage of net charge-offs (x) | 2.2173% | 3,878 |
| Efficiency ratio | 79.6213% | 2,250 |
| Assets per employee ($millions) | 3.0971% | 5,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0224% | 2,170 |
| Loan loss allowance to noncurrent loans | 68.8492% | 4,256 |
| Noncurrent assets plus other real estate owned to assets | 3.0989% | 1,763 |
| Noncurrent loans to loans | 2.9375% | 2,037 |
| Net loans and leases to total assets | 56.2070% | 4,434 |
| Net loans and leases to deposits | 64.5442% | 4,691 |
| Net loans and leases to core deposits | 70.0885% | 4,526 |
| Total domestic deposits to total assets | 87.0830% | 2,731 |
| Equity capital to assets | 10.3646% | 3,853 |
| Core capital (leverage) ratio | 9.0999% | 4,765 |
| Tier 1 risk-based capital ratio | 13.0670% | 5,139 |
| Total risk-based capital ratio | 14.3218% | 5,115 |
| Memoranda: | ||
| Average total assets | $1,031,561,330 | 644 |
| Average earning assets | $918,703,670 | 655 |
| Average equity | $103,971,330 | 681 |
| Average total loans | $586,357,670 | 702 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 5,708 |
| Cost of funding earning assets | 0.8754% | 2,866 |
| Net interest margin | 3.1405% | 5,932 |
| Noninterest income to average assets | 0.8871% | 1,807 |
| Noninterest expense to average assets | 3.1466% | 2,772 |
| Loan and lease loss provision to assets | 0.3069% | 2,050 |
| Net operating income to assets | 0.2087% | 5,958 |
| Return on assets (ROA) | 0.2087% | 6,101 |
| Pretax return on assets | 0.2360% | 6,120 |
| Return on Equity (ROE) | 2.0997% | 6,046 |
| Retained earnings to average equity (ytd only) | 2.0997% | 5,221 |
| Net charge-offs to loans | 0.2692% | 2,591 |
| Credit loss provision to net charge-offs | 201.5113% | 1,328 |
| Earnings coverage of net charge-offs (x) | 3.5642% | 2,802 |
| Efficiency ratio | 82.7163% | 1,841 |
| Assets per employee ($millions) | 3.3696% | 5,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1526% | 1,984 |
| Loan loss allowance to noncurrent loans | 49.7849% | 5,091 |
| Noncurrent assets plus other real estate owned to assets | 3.3491% | 1,722 |
| Noncurrent loans to loans | 4.3238% | 1,376 |
| Net loans and leases to total assets | 54.7478% | 4,594 |
| Net loans and leases to deposits | 62.0896% | 4,907 |
| Net loans and leases to core deposits | 67.8272% | 4,701 |
| Total domestic deposits to total assets | 88.1755% | 2,199 |
| Equity capital to assets | 9.9674% | 4,162 |
| Core capital (leverage) ratio | 8.9819% | 4,870 |
| Tier 1 risk-based capital ratio | 12.9280% | 5,260 |
| Total risk-based capital ratio | 14.1845% | 5,235 |
| Memoranda: | ||
| Average total assets | $1,042,519,500 | 640 |
| Average earning assets | $930,286,000 | 646 |
| Average equity | $103,634,000 | 682 |
| Average total loans | $589,934,000 | 699 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 5,294 |
| Cost of funding earning assets | 1.0354% | 3,118 |
| Net interest margin | 3.3989% | 5,482 |
| Noninterest income to average assets | 0.9303% | 1,570 |
| Noninterest expense to average assets | 6.7841% | 149 |
| Loan and lease loss provision to assets | 0.8486% | 1,143 |
| Net operating income to assets | -3.5433% | 7,229 |
| Return on assets (ROA) | -3.4062% | 7,224 |
| Pretax return on assets | -3.6219% | 7,243 |
| Return on Equity (ROE) | -28.2961% | 7,079 |
| Retained earnings to average equity (ytd only) | -28.2961% | 7,071 |
| Net charge-offs to loans | 1.9635% | 710 |
| Credit loss provision to net charge-offs | 77.9814% | 4,551 |
| Earnings coverage of net charge-offs (x) | -2.6823% | 6,312 |
| Efficiency ratio | 72.6186% | 3,462 |
| Assets per employee ($millions) | 3.2623% | 5,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0189% | 2,218 |
| Loan loss allowance to noncurrent loans | 43.5457% | 5,399 |
| Noncurrent assets plus other real estate owned to assets | 3.6155% | 1,629 |
| Noncurrent loans to loans | 4.6364% | 1,277 |
| Net loans and leases to total assets | 56.0616% | 4,685 |
| Net loans and leases to deposits | 64.1939% | 4,984 |
| Net loans and leases to core deposits | 70.2536% | 4,747 |
| Total domestic deposits to total assets | 87.3316% | 2,563 |
| Equity capital to assets | 9.9143% | 4,281 |
| Core capital (leverage) ratio | 8.4184% | 5,691 |
| Tier 1 risk-based capital ratio | 12.7620% | 5,266 |
| Total risk-based capital ratio | 14.0175% | 5,241 |
| Memoranda: | ||
| Average total assets | $1,128,037,800 | 581 |
| Average earning assets | $973,983,800 | 606 |
| Average equity | $135,789,000 | 510 |
| Average total loans | $625,210,600 | 664 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4869% | 5,288 |
| Cost of funding earning assets | 1.0479% | 3,331 |
| Net interest margin | 3.4389% | 5,432 |
| Noninterest income to average assets | 0.5950% | 3,202 |
| Noninterest expense to average assets | 2.8464% | 4,161 |
| Loan and lease loss provision to assets | 0.8590% | 1,063 |
| Net operating income to assets | -0.1044% | 6,289 |
| Return on assets (ROA) | 0.0866% | 6,109 |
| Pretax return on assets | 0.0273% | 6,198 |
| Return on Equity (ROE) | 0.6918% | 6,132 |
| Retained earnings to average equity (ytd only) | 0.6918% | 5,742 |
| Net charge-offs to loans | 2.0344% | 617 |
| Credit loss provision to net charge-offs | 76.7507% | 4,251 |
| Earnings coverage of net charge-offs (x) | 0.6212% | 5,163 |
| Efficiency ratio | 77.5384% | 2,603 |
| Assets per employee ($millions) | 3.5958% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0899% | 2,087 |
| Loan loss allowance to noncurrent loans | 48.2482% | 5,126 |
| Noncurrent assets plus other real estate owned to assets | 3.2823% | 1,932 |
| Noncurrent loans to loans | 4.3316% | 1,510 |
| Net loans and leases to total assets | 51.9455% | 5,455 |
| Net loans and leases to deposits | 61.0436% | 5,513 |
| Net loans and leases to core deposits | 66.7037% | 5,341 |
| Total domestic deposits to total assets | 85.0959% | 3,727 |
| Equity capital to assets | 12.6597% | 1,811 |
| Core capital (leverage) ratio | 8.4566% | 5,771 |
| Tier 1 risk-based capital ratio | 12.5917% | 5,410 |
| Total risk-based capital ratio | 13.8480% | 5,386 |
| Memoranda: | ||
| Average total assets | $1,148,247,750 | 574 |
| Average earning assets | $983,883,000 | 606 |
| Average equity | $143,780,750 | 494 |
| Average total loans | $631,720,000 | 660 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5527% | 5,162 |
| Cost of funding earning assets | 1.0770% | 3,414 |
| Net interest margin | 3.4756% | 5,273 |
| Noninterest income to average assets | 0.5592% | 3,409 |
| Noninterest expense to average assets | 2.8477% | 4,240 |
| Loan and lease loss provision to assets | 1.0487% | 804 |
| Net operating income to assets | -0.1630% | 6,434 |
| Return on assets (ROA) | -0.1595% | 6,470 |
| Pretax return on assets | -0.3527% | 6,565 |
| Return on Equity (ROE) | -1.2786% | 6,440 |
| Retained earnings to average equity (ytd only) | -1.2786% | 6,112 |
| Net charge-offs to loans | 1.4324% | 1,051 |
| Credit loss provision to net charge-offs | 131.5355% | 2,324 |
| Earnings coverage of net charge-offs (x) | 0.8662% | 4,643 |
| Efficiency ratio | 77.6634% | 2,767 |
| Assets per employee ($millions) | 3.5424% | 4,829 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6113% | 1,299 |
| Loan loss allowance to noncurrent loans | 42.4260% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 4.3613% | 1,453 |
| Noncurrent loans to loans | 6.1549% | 950 |
| Net loans and leases to total assets | 52.3201% | 5,529 |
| Net loans and leases to deposits | 61.1272% | 5,604 |
| Net loans and leases to core deposits | 66.6446% | 5,426 |
| Total domestic deposits to total assets | 85.5923% | 3,567 |
| Equity capital to assets | 12.4056% | 1,839 |
| Core capital (leverage) ratio | 8.1277% | 6,122 |
| Tier 1 risk-based capital ratio | 11.8196% | 5,925 |
| Total risk-based capital ratio | 13.0808% | 5,895 |
| Memoranda: | ||
| Average total assets | $1,153,442,000 | 576 |
| Average earning assets | $988,654,670 | 609 |
| Average equity | $143,910,330 | 496 |
| Average total loans | $641,984,000 | 663 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 4,776 |
| Cost of funding earning assets | 1.1015% | 3,508 |
| Net interest margin | 3.5405% | 4,851 |
| Noninterest income to average assets | 0.6662% | 2,749 |
| Noninterest expense to average assets | 2.9036% | 4,046 |
| Loan and lease loss provision to assets | 1.0895% | 669 |
| Net operating income to assets | -0.1125% | 6,474 |
| Return on assets (ROA) | -0.1056% | 6,482 |
| Pretax return on assets | -0.2822% | 6,607 |
| Return on Equity (ROE) | -0.8444% | 6,466 |
| Retained earnings to average equity (ytd only) | -0.8444% | 5,951 |
| Net charge-offs to loans | 0.5879% | 2,022 |
| Credit loss provision to net charge-offs | 327.2443% | 994 |
| Earnings coverage of net charge-offs (x) | 2.3925% | 3,124 |
| Efficiency ratio | 75.7772% | 3,189 |
| Assets per employee ($millions) | 3.4421% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6500% | 1,258 |
| Loan loss allowance to noncurrent loans | 41.2825% | 5,550 |
| Noncurrent assets plus other real estate owned to assets | 4.8902% | 1,294 |
| Noncurrent loans to loans | 6.4191% | 947 |
| Net loans and leases to total assets | 55.4097% | 5,093 |
| Net loans and leases to deposits | 65.3060% | 5,075 |
| Net loans and leases to core deposits | 71.6270% | 4,836 |
| Total domestic deposits to total assets | 84.8462% | 4,111 |
| Equity capital to assets | 12.7648% | 1,490 |
| Core capital (leverage) ratio | 8.2723% | 5,860 |
| Tier 1 risk-based capital ratio | 11.7153% | 5,930 |
| Total risk-based capital ratio | 12.9770% | 5,918 |
| Memoranda: | ||
| Average total assets | $1,150,983,500 | 584 |
| Average earning assets | $986,313,000 | 614 |
| Average equity | $144,015,000 | 490 |
| Average total loans | $651,823,500 | 657 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 4,855 |
| Cost of funding earning assets | 1.4476% | 2,971 |
| Net interest margin | 3.4881% | 5,291 |
| Noninterest income to average assets | 0.7144% | 2,762 |
| Noninterest expense to average assets | 2.7496% | 4,781 |
| Loan and lease loss provision to assets | 1.6445% | 872 |
| Net operating income to assets | -0.3013% | 6,218 |
| Return on assets (ROA) | -0.3165% | 6,270 |
| Pretax return on assets | -0.6691% | 6,439 |
| Return on Equity (ROE) | -2.5759% | 6,236 |
| Retained earnings to average equity (ytd only) | -2.5759% | 6,053 |
| Net charge-offs to loans | 3.0206% | 547 |
| Credit loss provision to net charge-offs | 90.7521% | 5,096 |
| Earnings coverage of net charge-offs (x) | 0.5514% | 5,557 |
| Efficiency ratio | 70.6736% | 4,041 |
| Assets per employee ($millions) | 3.5976% | 4,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2323% | 1,814 |
| Loan loss allowance to noncurrent loans | 36.0764% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 4.7448% | 1,383 |
| Noncurrent loans to loans | 6.1876% | 992 |
| Net loans and leases to total assets | 55.1001% | 5,472 |
| Net loans and leases to deposits | 64.5772% | 5,559 |
| Net loans and leases to core deposits | 71.0073% | 5,330 |
| Total domestic deposits to total assets | 85.3243% | 3,708 |
| Equity capital to assets | 12.2708% | 1,758 |
| Core capital (leverage) ratio | 7.8610% | 6,368 |
| Tier 1 risk-based capital ratio | 11.3357% | 6,053 |
| Total risk-based capital ratio | 12.5933% | 6,042 |
| Memoranda: | ||
| Average total assets | $1,211,408,000 | 556 |
| Average earning assets | $1,053,842,800 | 572 |
| Average equity | $148,841,600 | 459 |
| Average total loans | $726,717,800 | 600 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9908% | 4,864 |
| Cost of funding earning assets | 1.5032% | 2,958 |
| Net interest margin | 3.4876% | 5,346 |
| Noninterest income to average assets | 0.7567% | 2,471 |
| Noninterest expense to average assets | 2.6289% | 5,202 |
| Loan and lease loss provision to assets | 0.8057% | 1,885 |
| Net operating income to assets | 0.2924% | 5,198 |
| Return on assets (ROA) | 0.3182% | 5,262 |
| Pretax return on assets | 0.3980% | 5,223 |
| Return on Equity (ROE) | 2.5890% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.5890% | 4,605 |
| Net charge-offs to loans | 1.1785% | 1,731 |
| Credit loss provision to net charge-offs | 112.3248% | 3,759 |
| Earnings coverage of net charge-offs (x) | 1.6332% | 4,488 |
| Efficiency ratio | 66.5593% | 4,739 |
| Assets per employee ($millions) | 3.7788% | 4,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4851% | 1,351 |
| Loan loss allowance to noncurrent loans | 26.8372% | 6,526 |
| Noncurrent assets plus other real estate owned to assets | 6.0787% | 977 |
| Noncurrent loans to loans | 9.2599% | 501 |
| Net loans and leases to total assets | 57.5991% | 5,319 |
| Net loans and leases to deposits | 68.0437% | 5,415 |
| Net loans and leases to core deposits | 75.3876% | 5,135 |
| Total domestic deposits to total assets | 84.6502% | 3,802 |
| Equity capital to assets | 12.6287% | 1,791 |
| Core capital (leverage) ratio | 8.6317% | 5,294 |
| Tier 1 risk-based capital ratio | 11.8819% | 5,570 |
| Total risk-based capital ratio | 13.1427% | 5,534 |
| Memoranda: | ||
| Average total assets | $1,220,158,250 | 546 |
| Average earning assets | $1,064,819,500 | 563 |
| Average equity | $149,963,500 | 454 |
| Average total loans | $742,647,000 | 589 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 4,649 |
| Cost of funding earning assets | 1.5492% | 2,966 |
| Net interest margin | 3.5136% | 5,201 |
| Noninterest income to average assets | 0.7174% | 2,597 |
| Noninterest expense to average assets | 2.6287% | 5,212 |
| Loan and lease loss provision to assets | 0.7621% | 1,885 |
| Net operating income to assets | 0.3051% | 5,158 |
| Return on assets (ROA) | 0.3537% | 5,120 |
| Pretax return on assets | 0.4536% | 5,054 |
| Return on Equity (ROE) | 2.9043% | 5,275 |
| Retained earnings to average equity (ytd only) | 2.9043% | 4,289 |
| Net charge-offs to loans | 1.5056% | 1,272 |
| Credit loss provision to net charge-offs | 82.3726% | 4,645 |
| Earnings coverage of net charge-offs (x) | 1.2466% | 4,573 |
| Efficiency ratio | 66.8866% | 4,792 |
| Assets per employee ($millions) | 3.8104% | 4,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1725% | 1,821 |
| Loan loss allowance to noncurrent loans | 35.2122% | 6,014 |
| Noncurrent assets plus other real estate owned to assets | 4.2853% | 1,559 |
| Noncurrent loans to loans | 6.1697% | 1,021 |
| Net loans and leases to total assets | 58.2778% | 5,370 |
| Net loans and leases to deposits | 67.9985% | 5,564 |
| Net loans and leases to core deposits | 75.0653% | 5,313 |
| Total domestic deposits to total assets | 85.7045% | 3,259 |
| Equity capital to assets | 12.3470% | 1,898 |
| Core capital (leverage) ratio | 8.5040% | 5,399 |
| Tier 1 risk-based capital ratio | 11.3924% | 5,873 |
| Total risk-based capital ratio | 12.6498% | 5,844 |
| Memoranda: | ||
| Average total assets | $1,226,321,670 | 545 |
| Average earning assets | $1,069,611,330 | 563 |
| Average equity | $149,366,330 | 453 |
| Average total loans | $753,599,670 | 576 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1981% | 4,028 |
| Cost of funding earning assets | 1.5997% | 2,962 |
| Net interest margin | 3.5985% | 4,737 |
| Noninterest income to average assets | 0.6626% | 2,867 |
| Noninterest expense to average assets | 2.6116% | 5,308 |
| Loan and lease loss provision to assets | 1.0336% | 1,196 |
| Net operating income to assets | 0.1418% | 5,884 |
| Return on assets (ROA) | 0.2352% | 5,673 |
| Pretax return on assets | 0.2593% | 5,720 |
| Return on Equity (ROE) | 1.9443% | 5,787 |
| Retained earnings to average equity (ytd only) | 1.9443% | 4,965 |
| Net charge-offs to loans | 2.2833% | 745 |
| Credit loss provision to net charge-offs | 72.5589% | 4,042 |
| Earnings coverage of net charge-offs (x) | 0.8356% | 4,301 |
| Efficiency ratio | 66.0955% | 5,097 |
| Assets per employee ($millions) | 3.7793% | 4,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1171% | 1,919 |
| Loan loss allowance to noncurrent loans | 35.5939% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 4.2797% | 1,591 |
| Noncurrent loans to loans | 5.9480% | 1,112 |
| Net loans and leases to total assets | 60.3181% | 5,067 |
| Net loans and leases to deposits | 71.1943% | 5,166 |
| Net loans and leases to core deposits | 79.3604% | 4,846 |
| Total domestic deposits to total assets | 84.7232% | 3,795 |
| Equity capital to assets | 12.4361% | 1,788 |
| Core capital (leverage) ratio | 8.0935% | 6,092 |
| Tier 1 risk-based capital ratio | 10.7926% | 6,352 |
| Total risk-based capital ratio | 12.0493% | 6,325 |
| Memoranda: | ||
| Average total assets | $1,227,907,000 | 561 |
| Average earning assets | $1,071,231,000 | 577 |
| Average equity | $148,538,000 | 460 |
| Average total loans | $766,071,500 | 589 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4601% | 4,390 |
| Cost of funding earning assets | 1.9305% | 3,300 |
| Net interest margin | 3.5296% | 4,819 |
| Noninterest income to average assets | 0.7073% | 2,916 |
| Noninterest expense to average assets | 2.6373% | 5,635 |
| Loan and lease loss provision to assets | 2.7668% | 665 |
| Net operating income to assets | -0.9050% | 6,513 |
| Return on assets (ROA) | -0.9882% | 6,574 |
| Pretax return on assets | -1.7058% | 6,822 |
| Return on Equity (ROE) | -8.2150% | 6,486 |
| Retained earnings to average equity (ytd only) | -8.2150% | 6,365 |
| Net charge-offs to loans | 3.5788% | 535 |
| Credit loss provision to net charge-offs | 119.8763% | 4,471 |
| Earnings coverage of net charge-offs (x) | 0.5161% | 5,597 |
| Efficiency ratio | 66.3130% | 5,332 |
| Assets per employee ($millions) | 3.9678% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1200% | 1,792 |
| Loan loss allowance to noncurrent loans | 42.6865% | 5,568 |
| Noncurrent assets plus other real estate owned to assets | 3.7398% | 1,784 |
| Noncurrent loans to loans | 4.9664% | 1,365 |
| Net loans and leases to total assets | 61.7797% | 5,034 |
| Net loans and leases to deposits | 72.9685% | 5,196 |
| Net loans and leases to core deposits | 82.6164% | 5,859 |
| Total domestic deposits to total assets | 84.6662% | 3,723 |
| Equity capital to assets | 11.7737% | 2,153 |
| Core capital (leverage) ratio | 7.5776% | 6,710 |
| Tier 1 risk-based capital ratio | 10.0788% | 6,802 |
| Total risk-based capital ratio | 11.3359% | 6,759 |
| Memoranda: | ||
| Average total assets | $1,267,985,200 | 532 |
| Average earning assets | $1,121,268,000 | 536 |
| Average equity | $152,525,600 | 446 |
| Average total loans | $817,767,800 | 566 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5635% | 4,074 |
| Cost of funding earning assets | 1.9734% | 3,499 |
| Net interest margin | 3.5900% | 4,512 |
| Noninterest income to average assets | 0.7501% | 2,711 |
| Noninterest expense to average assets | 2.7216% | 5,240 |
| Loan and lease loss provision to assets | 1.1176% | 1,749 |
| Net operating income to assets | 0.1088% | 5,440 |
| Return on assets (ROA) | 0.1853% | 5,277 |
| Pretax return on assets | 0.1713% | 5,360 |
| Return on Equity (ROE) | 1.5326% | 5,322 |
| Retained earnings to average equity (ytd only) | 1.5326% | 4,457 |
| Net charge-offs to loans | 0.9854% | 1,997 |
| Credit loss provision to net charge-offs | 174.9343% | 2,648 |
| Earnings coverage of net charge-offs (x) | 1.8977% | 4,388 |
| Efficiency ratio | 66.6800% | 5,251 |
| Assets per employee ($millions) | 3.9288% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9081% | 2,010 |
| Loan loss allowance to noncurrent loans | 58.7116% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 2.3180% | 2,957 |
| Noncurrent loans to loans | 3.2500% | 2,332 |
| Net loans and leases to total assets | 62.5138% | 5,158 |
| Net loans and leases to deposits | 75.5770% | 5,116 |
| Net loans and leases to core deposits | 87.3998% | 5,706 |
| Total domestic deposits to total assets | 82.7154% | 4,354 |
| Equity capital to assets | 12.5885% | 1,888 |
| Core capital (leverage) ratio | 8.6494% | 5,224 |
| Tier 1 risk-based capital ratio | 11.4608% | 5,470 |
| Total risk-based capital ratio | 12.7157% | 5,410 |
| Memoranda: | ||
| Average total assets | $1,270,537,000 | 543 |
| Average earning assets | $1,126,802,250 | 551 |
| Average equity | $153,635,250 | 453 |
| Average total loans | $823,739,500 | 578 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6076% | 4,040 |
| Cost of funding earning assets | 1.9656% | 3,939 |
| Net interest margin | 3.6420% | 4,207 |
| Noninterest income to average assets | 0.7500% | 2,706 |
| Noninterest expense to average assets | 2.7385% | 5,225 |
| Loan and lease loss provision to assets | 1.3890% | 1,248 |
| Net operating income to assets | -0.0153% | 5,875 |
| Return on assets (ROA) | 0.0024% | 5,907 |
| Pretax return on assets | -0.1223% | 6,023 |
| Return on Equity (ROE) | 0.0199% | 5,913 |
| Retained earnings to average equity (ytd only) | 0.0199% | 5,194 |
| Net charge-offs to loans | 1.0452% | 1,713 |
| Credit loss provision to net charge-offs | 203.7981% | 2,231 |
| Earnings coverage of net charge-offs (x) | 1.8180% | 4,203 |
| Efficiency ratio | 66.3690% | 5,486 |
| Assets per employee ($millions) | 3.6920% | 4,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8639% | 1,876 |
| Loan loss allowance to noncurrent loans | 62.7851% | 4,315 |
| Noncurrent assets plus other real estate owned to assets | 2.0636% | 3,110 |
| Noncurrent loans to loans | 2.9687% | 2,432 |
| Net loans and leases to total assets | 61.8996% | 5,375 |
| Net loans and leases to deposits | 74.4334% | 5,390 |
| Net loans and leases to core deposits | 86.6119% | 5,843 |
| Total domestic deposits to total assets | 83.1611% | 4,163 |
| Equity capital to assets | 11.9200% | 2,249 |
| Core capital (leverage) ratio | 8.5986% | 5,264 |
| Tier 1 risk-based capital ratio | 11.1782% | 5,694 |
| Total risk-based capital ratio | 12.4330% | 5,614 |
| Memoranda: | ||
| Average total assets | $1,267,120,670 | 556 |
| Average earning assets | $1,122,909,330 | 564 |
| Average equity | $151,103,000 | 463 |
| Average total loans | $826,238,330 | 596 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7872% | 3,368 |
| Cost of funding earning assets | 1.9996% | 4,130 |
| Net interest margin | 3.7876% | 3,503 |
| Noninterest income to average assets | 0.7203% | 2,765 |
| Noninterest expense to average assets | 2.7737% | 4,684 |
| Loan and lease loss provision to assets | 0.8698% | 1,508 |
| Net operating income to assets | 0.3453% | 5,086 |
| Return on assets (ROA) | 0.3453% | 5,273 |
| Pretax return on assets | 0.4227% | 5,331 |
| Return on Equity (ROE) | 2.8954% | 5,411 |
| Retained earnings to average equity (ytd only) | 2.8954% | 4,261 |
| Net charge-offs to loans | 1.0951% | 1,244 |
| Credit loss provision to net charge-offs | 119.7339% | 3,288 |
| Earnings coverage of net charge-offs (x) | 1.7792% | 3,842 |
| Efficiency ratio | 65.7424% | 5,377 |
| Assets per employee ($millions) | 3.7722% | 4,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3844% | 3,587 |
| Loan loss allowance to noncurrent loans | 61.8516% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.7858% | 3,244 |
| Noncurrent loans to loans | 2.2382% | 2,942 |
| Net loans and leases to total assets | 65.1716% | 4,778 |
| Net loans and leases to deposits | 79.2449% | 4,733 |
| Net loans and leases to core deposits | 95.7531% | 4,998 |
| Total domestic deposits to total assets | 82.2407% | 4,455 |
| Equity capital to assets | 11.8091% | 2,375 |
| Core capital (leverage) ratio | 8.3486% | 5,818 |
| Tier 1 risk-based capital ratio | 10.4523% | 6,441 |
| Total risk-based capital ratio | 11.6771% | 6,378 |
| Memoranda: | ||
| Average total assets | $1,241,654,500 | 568 |
| Average earning assets | $1,096,833,500 | 580 |
| Average equity | $148,098,500 | 475 |
| Average total loans | $823,674,500 | 598 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5530% | 2,704 |
| Cost of funding earning assets | 2.5972% | 3,702 |
| Net interest margin | 3.9558% | 3,333 |
| Noninterest income to average assets | 0.7663% | 2,690 |
| Noninterest expense to average assets | 2.7646% | 4,990 |
| Loan and lease loss provision to assets | 1.0285% | 1,426 |
| Net operating income to assets | 0.3926% | 5,183 |
| Return on assets (ROA) | 0.4031% | 4,952 |
| Pretax return on assets | 0.4215% | 5,200 |
| Return on Equity (ROE) | 3.0637% | 5,212 |
| Retained earnings to average equity (ytd only) | -0.9789% | 5,584 |
| Net charge-offs to loans | 1.4395% | 810 |
| Credit loss provision to net charge-offs | 111.4907% | 4,837 |
| Earnings coverage of net charge-offs (x) | 1.5600% | 5,317 |
| Efficiency ratio | 63.1349% | 5,753 |
| Assets per employee ($millions) | 3.5992% | 4,415 |
| Cash dividends to net income (ytd only)* | 131.9525% | 578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3436% | 3,514 |
| Loan loss allowance to noncurrent loans | 64.2457% | 4,801 |
| Noncurrent assets plus other real estate owned to assets | 1.7078% | 2,852 |
| Noncurrent loans to loans | 2.0913% | 2,644 |
| Net loans and leases to total assets | 65.6969% | 4,912 |
| Net loans and leases to deposits | 84.6650% | 4,315 |
| Net loans and leases to core deposits | 100.2755% | 4,801 |
| Total domestic deposits to total assets | 77.5963% | 5,841 |
| Equity capital to assets | 12.0480% | 2,263 |
| Core capital (leverage) ratio | 9.3716% | 4,205 |
| Tier 1 risk-based capital ratio | 10.4803% | 6,226 |
| Total risk-based capital ratio | 11.6668% | 6,174 |
| Memoranda: | ||
| Average total assets | $1,066,028,600 | 622 |
| Average earning assets | $926,315,400 | 647 |
| Average equity | $140,256,000 | 497 |
| Average total loans | $683,167,200 | 698 |