Home > United Central Bank > Performance and Condition Ratios
United Central Bank, Performance and Condition Ratios
| 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 | 4.6384% | 1,429 |
| Cost of funding earning assets | 1.0360% | 214 |
| Net interest margin | 3.6024% | 3,350 |
| Noninterest income to average assets | 2.4817% | 243 |
| Noninterest expense to average assets | 7.1758% | 133 |
| Loan and lease loss provision to assets | -1.3188% | 6,644 |
| Net operating income to assets | -0.3270% | 6,385 |
| Return on assets (ROA) | -0.1663% | 6,307 |
| Pretax return on assets | -0.1576% | 6,289 |
| Return on Equity (ROE) | -1.6320% | 6,309 |
| Retained earnings to average equity (ytd only) | -1.6320% | 5,939 |
| Net charge-offs to loans | 3.4331% | 37 |
| Credit loss provision to net charge-offs | -97.5290% | 5,247 |
| Earnings coverage of net charge-offs (x) | -1.2107% | 4,215 |
| Efficiency ratio | 128.9901% | 105 |
| Assets per employee ($millions) | 4.4248% | 3,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.5068% | 3 |
| Loan loss allowance to noncurrent loans | 33.6715% | 5,689 |
| Noncurrent assets plus other real estate owned to assets | 13.1369% | 51 |
| Noncurrent loans to loans | 34.1738% | 3 |
| Net loans and leases to total assets | 28.0899% | 6,357 |
| Net loans and leases to deposits | 32.5246% | 6,374 |
| Net loans and leases to core deposits | 35.7001% | 6,338 |
| Total domestic deposits to total assets | 86.3652% | 2,841 |
| Equity capital to assets | 10.7493% | 3,149 |
| Core capital (leverage) ratio | 10.2226% | 3,307 |
| Tier 1 risk-based capital ratio | 31.7666% | 453 |
| Total risk-based capital ratio | 33.1402% | 439 |
| Memoranda: | ||
| Average total assets | $1,352,704,000 | 510 |
| Average earning assets | $1,147,900,330 | 536 |
| Average equity | $137,869,330 | 528 |
| Average total loans | $532,816,000 | 821 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 998 |
| Cost of funding earning assets | 1.0389% | 229 |
| Net interest margin | 3.7864% | 2,524 |
| Noninterest income to average assets | 3.2956% | 169 |
| Noninterest expense to average assets | 6.9273% | 142 |
| Loan and lease loss provision to assets | -1.8896% | 6,719 |
| Net operating income to assets | 0.9913% | 2,238 |
| Return on assets (ROA) | 0.9913% | 2,297 |
| Pretax return on assets | 1.4299% | 1,642 |
| Return on Equity (ROE) | 9.9797% | 2,048 |
| Retained earnings to average equity (ytd only) | 9.9797% | 968 |
| Net charge-offs to loans | 1.1324% | 298 |
| Credit loss provision to net charge-offs | -388.5986% | 5,128 |
| Earnings coverage of net charge-offs (x) | -0.9454% | 3,509 |
| Efficiency ratio | 106.6211% | 321 |
| Assets per employee ($millions) | 4.1681% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.3694% | 8 |
| Loan loss allowance to noncurrent loans | 22.7251% | 6,024 |
| Noncurrent assets plus other real estate owned to assets | 20.7269% | 14 |
| Noncurrent loans to loans | 45.6299% | 1 |
| Net loans and leases to total assets | 36.6256% | 6,034 |
| Net loans and leases to deposits | 42.1801% | 6,071 |
| Net loans and leases to core deposits | 46.2178% | 5,978 |
| Total domestic deposits to total assets | 86.8315% | 2,920 |
| Equity capital to assets | 10.4535% | 3,293 |
| Core capital (leverage) ratio | 9.9578% | 3,626 |
| Tier 1 risk-based capital ratio | 25.7790% | 804 |
| Total risk-based capital ratio | 27.1458% | 781 |
| Memoranda: | ||
| Average total assets | $1,385,246,500 | 498 |
| Average earning assets | $1,160,463,000 | 531 |
| Average equity | $137,599,000 | 532 |
| Average total loans | $594,863,000 | 732 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7800% | 1,369 |
| Cost of funding earning assets | 1.2133% | 164 |
| Net interest margin | 3.5667% | 3,613 |
| Noninterest income to average assets | 1.8006% | 461 |
| Noninterest expense to average assets | 4.8292% | 397 |
| Loan and lease loss provision to assets | 0.0381% | 4,354 |
| Net operating income to assets | -0.2183% | 6,374 |
| Return on assets (ROA) | -0.2183% | 6,386 |
| Pretax return on assets | -0.1012% | 6,289 |
| Return on Equity (ROE) | -2.5627% | 6,404 |
| Retained earnings to average equity (ytd only) | -2.5627% | 6,227 |
| Net charge-offs to loans | 1.6596% | 267 |
| Credit loss provision to net charge-offs | 4.6423% | 4,654 |
| Earnings coverage of net charge-offs (x) | -0.0770% | 5,111 |
| Efficiency ratio | 100.7122% | 458 |
| Assets per employee ($millions) | 4.2766% | 3,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1509% | 8 |
| Loan loss allowance to noncurrent loans | 22.7408% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 22.4455% | 13 |
| Noncurrent loans to loans | 44.6371% | 2 |
| Net loans and leases to total assets | 40.3396% | 5,936 |
| Net loans and leases to deposits | 45.8532% | 6,022 |
| Net loans and leases to core deposits | 50.0967% | 5,931 |
| Total domestic deposits to total assets | 87.9756% | 2,190 |
| Equity capital to assets | 9.4443% | 4,500 |
| Core capital (leverage) ratio | 9.0785% | 4,891 |
| Tier 1 risk-based capital ratio | 23.1592% | 1,071 |
| Total risk-based capital ratio | 24.5330% | 1,031 |
| Memoranda: | ||
| Average total assets | $1,664,514,200 | 414 |
| Average earning assets | $1,383,950,000 | 445 |
| Average equity | $141,766,600 | 515 |
| Average total loans | $822,930,400 | 507 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7753% | 1,405 |
| Cost of funding earning assets | 1.2431% | 163 |
| Net interest margin | 3.5322% | 3,748 |
| Noninterest income to average assets | 1.7932% | 485 |
| Noninterest expense to average assets | 3.9049% | 961 |
| Loan and lease loss provision to assets | 0.2399% | 1,502 |
| Net operating income to assets | 0.3522% | 5,427 |
| Return on assets (ROA) | 0.3522% | 5,557 |
| Pretax return on assets | 0.5879% | 5,062 |
| Return on Equity (ROE) | 4.2308% | 5,116 |
| Retained earnings to average equity (ytd only) | 4.2308% | 3,672 |
| Net charge-offs to loans | 2.0389% | 180 |
| Credit loss provision to net charge-offs | 23.3527% | 4,008 |
| Earnings coverage of net charge-offs (x) | 0.8059% | 4,584 |
| Efficiency ratio | 81.9009% | 1,835 |
| Assets per employee ($millions) | 4.5627% | 2,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.3829% | 13 |
| Loan loss allowance to noncurrent loans | 20.2328% | 6,238 |
| Noncurrent assets plus other real estate owned to assets | 23.9815% | 9 |
| Noncurrent loans to loans | 46.3750% | 2 |
| Net loans and leases to total assets | 41.5634% | 5,929 |
| Net loans and leases to deposits | 47.4963% | 5,996 |
| Net loans and leases to core deposits | 51.4477% | 5,922 |
| Total domestic deposits to total assets | 87.5086% | 2,412 |
| Equity capital to assets | 9.2028% | 4,934 |
| Core capital (leverage) ratio | 8.6966% | 5,543 |
| Tier 1 risk-based capital ratio | 23.6127% | 1,058 |
| Total risk-based capital ratio | 24.9875% | 1,020 |
| Memoranda: | ||
| Average total assets | $1,723,550,500 | 403 |
| Average earning assets | $1,434,399,000 | 432 |
| Average equity | $143,483,500 | 513 |
| Average total loans | $868,339,000 | 481 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8395% | 1,236 |
| Cost of funding earning assets | 1.2524% | 175 |
| Net interest margin | 3.5870% | 3,420 |
| Noninterest income to average assets | 1.8839% | 484 |
| Noninterest expense to average assets | 3.9741% | 894 |
| Loan and lease loss provision to assets | 0.2421% | 1,540 |
| Net operating income to assets | 0.4215% | 5,135 |
| Return on assets (ROA) | 0.4215% | 5,291 |
| Pretax return on assets | 0.6639% | 4,804 |
| Return on Equity (ROE) | 5.2267% | 4,604 |
| Retained earnings to average equity (ytd only) | 5.2267% | 2,908 |
| Net charge-offs to loans | 2.6892% | 129 |
| Credit loss provision to net charge-offs | 17.4079% | 3,783 |
| Earnings coverage of net charge-offs (x) | 0.6514% | 4,306 |
| Efficiency ratio | 80.8484% | 2,042 |
| Assets per employee ($millions) | 4.9659% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1930% | 14 |
| Loan loss allowance to noncurrent loans | 17.7215% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 25.4090% | 6 |
| Noncurrent loans to loans | 46.2322% | 1 |
| Net loans and leases to total assets | 44.9595% | 5,643 |
| Net loans and leases to deposits | 51.0309% | 5,770 |
| Net loans and leases to core deposits | 55.0190% | 5,669 |
| Total domestic deposits to total assets | 88.1024% | 2,171 |
| Equity capital to assets | 8.5057% | 5,758 |
| Core capital (leverage) ratio | 8.1364% | 6,070 |
| Tier 1 risk-based capital ratio | 20.8332% | 1,533 |
| Total risk-based capital ratio | 22.1919% | 1,481 |
| Memoranda: | ||
| Average total assets | $1,771,835,330 | 389 |
| Average earning assets | $1,479,994,670 | 422 |
| Average equity | $142,883,000 | 519 |
| Average total loans | $916,418,330 | 460 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9755% | 940 |
| Cost of funding earning assets | 1.2908% | 163 |
| Net interest margin | 3.6847% | 2,918 |
| Noninterest income to average assets | 0.6915% | 2,638 |
| Noninterest expense to average assets | 3.5206% | 1,579 |
| Loan and lease loss provision to assets | -0.1637% | 6,880 |
| Net operating income to assets | 0.2677% | 5,672 |
| Return on assets (ROA) | 0.2677% | 5,792 |
| Pretax return on assets | 0.4108% | 5,534 |
| Return on Equity (ROE) | 3.4067% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.4067% | 4,212 |
| Net charge-offs to loans | 3.1813% | 104 |
| Credit loss provision to net charge-offs | -9.7053% | 4,965 |
| Earnings coverage of net charge-offs (x) | 0.1466% | 3,769 |
| Efficiency ratio | 92.6842% | 931 |
| Assets per employee ($millions) | 5.3075% | 1,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6516% | 30 |
| Loan loss allowance to noncurrent loans | 17.9290% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 25.4692% | 7 |
| Noncurrent loans to loans | 42.6775% | 1 |
| Net loans and leases to total assets | 47.2002% | 5,313 |
| Net loans and leases to deposits | 52.9669% | 5,524 |
| Net loans and leases to core deposits | 56.9367% | 5,440 |
| Total domestic deposits to total assets | 89.1127% | 1,618 |
| Equity capital to assets | 8.0090% | 6,372 |
| Core capital (leverage) ratio | 7.7010% | 6,353 |
| Tier 1 risk-based capital ratio | 18.6500% | 2,137 |
| Total risk-based capital ratio | 20.0318% | 2,077 |
| Memoranda: | ||
| Average total assets | $1,811,060,500 | 386 |
| Average earning assets | $1,511,966,000 | 415 |
| Average equity | $142,307,000 | 526 |
| Average total loans | $959,987,500 | 442 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3779% | 793 |
| Cost of funding earning assets | 1.3787% | 270 |
| Net interest margin | 3.9991% | 2,390 |
| Noninterest income to average assets | 0.8722% | 1,953 |
| Noninterest expense to average assets | 5.1948% | 334 |
| Loan and lease loss provision to assets | -0.0245% | 6,841 |
| Net operating income to assets | -0.8031% | 6,678 |
| Return on assets (ROA) | -0.8031% | 6,699 |
| Pretax return on assets | -1.0166% | 6,741 |
| Return on Equity (ROE) | -10.6712% | 6,738 |
| Retained earnings to average equity (ytd only) | -10.6712% | 6,659 |
| Net charge-offs to loans | 1.8401% | 430 |
| Credit loss provision to net charge-offs | -2.2325% | 6,200 |
| Earnings coverage of net charge-offs (x) | -0.9473% | 5,752 |
| Efficiency ratio | 124.4105% | 179 |
| Assets per employee ($millions) | 5.3766% | 1,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7462% | 30 |
| Loan loss allowance to noncurrent loans | 19.2742% | 6,407 |
| Noncurrent assets plus other real estate owned to assets | 25.7134% | 10 |
| Noncurrent loans to loans | 40.1894% | 4 |
| Net loans and leases to total assets | 50.5972% | 5,092 |
| Net loans and leases to deposits | 56.6577% | 5,372 |
| Net loans and leases to core deposits | 60.9780% | 5,272 |
| Total domestic deposits to total assets | 89.3033% | 1,370 |
| Equity capital to assets | 7.7109% | 6,546 |
| Core capital (leverage) ratio | 7.2853% | 6,595 |
| Tier 1 risk-based capital ratio | 16.6314% | 2,825 |
| Total risk-based capital ratio | 18.0083% | 2,735 |
| Memoranda: | ||
| Average total assets | $2,074,519,800 | 342 |
| Average earning assets | $1,702,217,200 | 368 |
| Average equity | $156,120,800 | 474 |
| Average total loans | $1,239,078,200 | 356 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 580 |
| Cost of funding earning assets | 1.3894% | 307 |
| Net interest margin | 4.1862% | 1,775 |
| Noninterest income to average assets | 0.6445% | 3,018 |
| Noninterest expense to average assets | 3.9269% | 1,037 |
| Loan and lease loss provision to assets | 0.1472% | 3,699 |
| Net operating income to assets | 0.0017% | 6,278 |
| Return on assets (ROA) | 0.0020% | 6,404 |
| Pretax return on assets | -0.0065% | 6,399 |
| Return on Equity (ROE) | 0.0267% | 6,402 |
| Retained earnings to average equity (ytd only) | 0.0267% | 6,062 |
| Net charge-offs to loans | 1.3188% | 711 |
| Credit loss provision to net charge-offs | 18.3611% | 4,979 |
| Earnings coverage of net charge-offs (x) | 0.1750% | 5,242 |
| Efficiency ratio | 95.8896% | 680 |
| Assets per employee ($millions) | 5.6647% | 1,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8387% | 30 |
| Loan loss allowance to noncurrent loans | 19.2493% | 6,505 |
| Noncurrent assets plus other real estate owned to assets | 28.6573% | 7 |
| Noncurrent loans to loans | 40.7220% | 4 |
| Net loans and leases to total assets | 55.6900% | 4,501 |
| Net loans and leases to deposits | 63.8493% | 4,733 |
| Net loans and leases to core deposits | 68.9171% | 4,621 |
| Total domestic deposits to total assets | 87.2209% | 2,546 |
| Equity capital to assets | 8.2983% | 6,420 |
| Core capital (leverage) ratio | 7.7752% | 6,481 |
| Tier 1 risk-based capital ratio | 16.5092% | 2,994 |
| Total risk-based capital ratio | 17.9087% | 2,883 |
| Memoranda: | ||
| Average total assets | $2,133,452,000 | 337 |
| Average earning assets | $1,744,311,750 | 360 |
| Average equity | $159,704,250 | 465 |
| Average total loans | $1,296,723,750 | 338 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 634 |
| Cost of funding earning assets | 1.3961% | 353 |
| Net interest margin | 4.1605% | 1,867 |
| Noninterest income to average assets | 0.7055% | 2,636 |
| Noninterest expense to average assets | 3.5028% | 1,779 |
| Loan and lease loss provision to assets | 0.0414% | 5,156 |
| Net operating income to assets | 0.2978% | 5,628 |
| Return on assets (ROA) | 0.2983% | 5,826 |
| Pretax return on assets | 0.5450% | 5,323 |
| Return on Equity (ROE) | 4.1146% | 5,214 |
| Retained earnings to average equity (ytd only) | 4.1146% | 3,868 |
| Net charge-offs to loans | 0.8640% | 1,277 |
| Credit loss provision to net charge-offs | 7.8648% | 4,758 |
| Earnings coverage of net charge-offs (x) | 1.1133% | 4,457 |
| Efficiency ratio | 85.0261% | 1,531 |
| Assets per employee ($millions) | 6.1734% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7172% | 38 |
| Loan loss allowance to noncurrent loans | 21.5315% | 6,474 |
| Noncurrent assets plus other real estate owned to assets | 25.5400% | 11 |
| Noncurrent loans to loans | 35.8413% | 5 |
| Net loans and leases to total assets | 56.9178% | 4,339 |
| Net loans and leases to deposits | 66.5878% | 4,431 |
| Net loans and leases to core deposits | 72.2599% | 4,270 |
| Total domestic deposits to total assets | 85.4778% | 3,620 |
| Equity capital to assets | 8.0164% | 6,557 |
| Core capital (leverage) ratio | 7.4104% | 6,660 |
| Tier 1 risk-based capital ratio | 16.3543% | 2,981 |
| Total risk-based capital ratio | 17.7478% | 2,878 |
| Memoranda: | ||
| Average total assets | $2,204,495,000 | 325 |
| Average earning assets | $1,792,530,330 | 354 |
| Average equity | $159,820,670 | 459 |
| Average total loans | $1,342,169,670 | 333 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6228% | 599 |
| Cost of funding earning assets | 1.4225% | 389 |
| Net interest margin | 4.2003% | 1,756 |
| Noninterest income to average assets | 1.0196% | 1,373 |
| Noninterest expense to average assets | 3.4316% | 1,933 |
| Loan and lease loss provision to assets | 0.2861% | 2,175 |
| Net operating income to assets | 0.3110% | 5,625 |
| Return on assets (ROA) | 0.3110% | 5,787 |
| Pretax return on assets | 0.6705% | 4,884 |
| Return on Equity (ROE) | 4.4983% | 5,044 |
| Retained earnings to average equity (ytd only) | 4.4983% | 3,890 |
| Net charge-offs to loans | 0.6831% | 1,451 |
| Credit loss provision to net charge-offs | 69.1789% | 2,935 |
| Earnings coverage of net charge-offs (x) | 2.3133% | 3,244 |
| Efficiency ratio | 77.6098% | 2,550 |
| Assets per employee ($millions) | 6.3112% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3882% | 42 |
| Loan loss allowance to noncurrent loans | 19.6109% | 6,577 |
| Noncurrent assets plus other real estate owned to assets | 25.7385% | 15 |
| Noncurrent loans to loans | 37.6737% | 4 |
| Net loans and leases to total assets | 56.3384% | 4,322 |
| Net loans and leases to deposits | 64.9308% | 4,497 |
| Net loans and leases to core deposits | 74.0441% | 3,896 |
| Total domestic deposits to total assets | 86.7669% | 3,086 |
| Equity capital to assets | 7.1343% | 6,898 |
| Core capital (leverage) ratio | 6.8896% | 6,879 |
| Tier 1 risk-based capital ratio | 14.5816% | 4,037 |
| Total risk-based capital ratio | 15.9538% | 3,912 |
| Memoranda: | ||
| Average total assets | $2,297,385,500 | 306 |
| Average earning assets | $1,842,427,500 | 343 |
| Average equity | $158,816,500 | 461 |
| Average total loans | $1,390,707,500 | 321 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6493% | 868 |
| Cost of funding earning assets | 1.5063% | 694 |
| Net interest margin | 4.1430% | 2,255 |
| Noninterest income to average assets | 2.2063% | 328 |
| Noninterest expense to average assets | 3.1817% | 2,932 |
| Loan and lease loss provision to assets | 3.6810% | 71 |
| Net operating income to assets | -0.8590% | 6,679 |
| Return on assets (ROA) | -0.7852% | 6,680 |
| Pretax return on assets | -1.1391% | 6,789 |
| Return on Equity (ROE) | -10.6046% | 6,755 |
| Retained earnings to average equity (ytd only) | -10.6046% | 6,719 |
| Net charge-offs to loans | 3.1011% | 293 |
| Credit loss provision to net charge-offs | 178.5746% | 1,467 |
| Earnings coverage of net charge-offs (x) | 1.1812% | 4,905 |
| Efficiency ratio | 56.1676% | 6,294 |
| Assets per employee ($millions) | 5.6054% | 1,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1506% | 46 |
| Loan loss allowance to noncurrent loans | 20.6876% | 6,596 |
| Noncurrent assets plus other real estate owned to assets | 23.5262% | 29 |
| Noncurrent loans to loans | 34.5648% | 6 |
| Net loans and leases to total assets | 55.9420% | 4,720 |
| Net loans and leases to deposits | 63.9298% | 5,022 |
| Net loans and leases to core deposits | 74.8397% | 4,126 |
| Total domestic deposits to total assets | 87.5053% | 2,466 |
| Equity capital to assets | 6.7022% | 7,022 |
| Core capital (leverage) ratio | 6.3940% | 6,999 |
| Tier 1 risk-based capital ratio | 13.1824% | 4,928 |
| Total risk-based capital ratio | 14.5445% | 4,823 |
| Memoranda: | ||
| Average total assets | $2,393,286,400 | 292 |
| Average earning assets | $1,970,024,400 | 311 |
| Average equity | $177,196,800 | 398 |
| Average total loans | $1,590,845,800 | 287 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7382% | 790 |
| Cost of funding earning assets | 1.4960% | 877 |
| Net interest margin | 4.2422% | 1,941 |
| Noninterest income to average assets | 0.6244% | 3,030 |
| Noninterest expense to average assets | 2.8939% | 3,958 |
| Loan and lease loss provision to assets | 0.5927% | 1,662 |
| Net operating income to assets | 0.3706% | 5,125 |
| Return on assets (ROA) | 0.4616% | 4,908 |
| Pretax return on assets | 0.8045% | 4,110 |
| Return on Equity (ROE) | 6.0927% | 3,983 |
| Retained earnings to average equity (ytd only) | 6.0927% | 2,504 |
| Net charge-offs to loans | 1.1628% | 1,355 |
| Credit loss provision to net charge-offs | 74.9684% | 4,320 |
| Earnings coverage of net charge-offs (x) | 1.5875% | 4,450 |
| Efficiency ratio | 69.0920% | 4,110 |
| Assets per employee ($millions) | 5.8836% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9387% | 410 |
| Loan loss allowance to noncurrent loans | 12.0051% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 22.7584% | 31 |
| Noncurrent loans to loans | 32.8088% | 11 |
| Net loans and leases to total assets | 58.1875% | 4,479 |
| Net loans and leases to deposits | 66.6929% | 4,801 |
| Net loans and leases to core deposits | 82.3393% | 3,275 |
| Total domestic deposits to total assets | 87.2469% | 2,497 |
| Equity capital to assets | 7.4747% | 6,938 |
| Core capital (leverage) ratio | 7.3765% | 6,823 |
| Tier 1 risk-based capital ratio | 14.6742% | 3,852 |
| Total risk-based capital ratio | 15.9917% | 3,786 |
| Memoranda: | ||
| Average total assets | $2,403,036,000 | 291 |
| Average earning assets | $1,996,615,500 | 310 |
| Average equity | $182,048,500 | 391 |
| Average total loans | $1,633,941,000 | 276 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9281% | 548 |
| Cost of funding earning assets | 1.5269% | 911 |
| Net interest margin | 4.4012% | 1,362 |
| Noninterest income to average assets | 0.9009% | 1,642 |
| Noninterest expense to average assets | 2.9169% | 3,955 |
| Loan and lease loss provision to assets | 0.5014% | 1,955 |
| Net operating income to assets | 0.7048% | 3,521 |
| Return on assets (ROA) | 0.8427% | 2,988 |
| Pretax return on assets | 1.3611% | 1,916 |
| Return on Equity (ROE) | 11.0720% | 1,773 |
| Retained earnings to average equity (ytd only) | 11.0720% | 655 |
| Net charge-offs to loans | 0.7978% | 1,906 |
| Credit loss provision to net charge-offs | 89.0665% | 3,481 |
| Earnings coverage of net charge-offs (x) | 2.9258% | 3,387 |
| Efficiency ratio | 63.2987% | 5,364 |
| Assets per employee ($millions) | 5.6182% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8224% | 465 |
| Loan loss allowance to noncurrent loans | 12.9760% | 6,903 |
| Noncurrent assets plus other real estate owned to assets | 21.8643% | 41 |
| Noncurrent loans to loans | 29.4571% | 14 |
| Net loans and leases to total assets | 64.3562% | 3,390 |
| Net loans and leases to deposits | 74.1463% | 3,788 |
| Net loans and leases to core deposits | 92.2288% | 2,100 |
| Total domestic deposits to total assets | 86.7962% | 2,858 |
| Equity capital to assets | 7.6844% | 6,863 |
| Core capital (leverage) ratio | 7.5771% | 6,693 |
| Tier 1 risk-based capital ratio | 13.8881% | 4,244 |
| Total risk-based capital ratio | 15.1854% | 4,186 |
| Memoranda: | ||
| Average total assets | $2,378,379,330 | 299 |
| Average earning assets | $1,979,598,670 | 317 |
| Average equity | $181,014,670 | 395 |
| Average total loans | $1,678,453,000 | 271 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1113% | 392 |
| Cost of funding earning assets | 1.5348% | 1,036 |
| Net interest margin | 4.5766% | 906 |
| Noninterest income to average assets | 1.0076% | 1,303 |
| Noninterest expense to average assets | 3.1028% | 3,231 |
| Loan and lease loss provision to assets | 0.4048% | 2,167 |
| Net operating income to assets | 0.8401% | 2,826 |
| Return on assets (ROA) | 0.8401% | 2,885 |
| Pretax return on assets | 1.3089% | 2,017 |
| Return on Equity (ROE) | 11.0934% | 1,708 |
| Retained earnings to average equity (ytd only) | 11.0934% | 883 |
| Net charge-offs to loans | 1.2088% | 1,153 |
| Credit loss provision to net charge-offs | 46.2209% | 3,833 |
| Earnings coverage of net charge-offs (x) | 1.9568% | 3,333 |
| Efficiency ratio | 63.8289% | 5,388 |
| Assets per employee ($millions) | 5.6458% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5685% | 573 |
| Loan loss allowance to noncurrent loans | 14.0724% | 6,942 |
| Noncurrent assets plus other real estate owned to assets | 19.9530% | 65 |
| Noncurrent loans to loans | 25.3582% | 32 |
| Net loans and leases to total assets | 67.7671% | 2,604 |
| Net loans and leases to deposits | 80.6315% | 2,587 |
| Net loans and leases to core deposits | 92.3061% | 2,092 |
| Total domestic deposits to total assets | 84.0454% | 4,474 |
| Equity capital to assets | 7.5865% | 6,821 |
| Core capital (leverage) ratio | 7.6067% | 6,649 |
| Tier 1 risk-based capital ratio | 12.8917% | 4,910 |
| Total risk-based capital ratio | 14.1800% | 4,865 |
| Memoranda: | ||
| Average total assets | $2,356,848,000 | 304 |
| Average earning assets | $1,961,470,000 | 322 |
| Average equity | $178,485,000 | 398 |
| Average total loans | $1,707,539,500 | 272 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1988% | 564 |
| Cost of funding earning assets | 1.9945% | 620 |
| Net interest margin | 4.2043% | 2,167 |
| Noninterest income to average assets | 1.2662% | 922 |
| Noninterest expense to average assets | 3.0652% | 3,608 |
| Loan and lease loss provision to assets | 2.2513% | 543 |
| Net operating income to assets | -0.5411% | 6,415 |
| Return on assets (ROA) | -0.5294% | 6,439 |
| Pretax return on assets | -0.6351% | 6,421 |
| Return on Equity (ROE) | -6.6253% | 6,536 |
| Retained earnings to average equity (ytd only) | -6.6253% | 6,437 |
| Net charge-offs to loans | 1.4816% | 1,482 |
| Credit loss provision to net charge-offs | 214.3406% | 1,416 |
| Earnings coverage of net charge-offs (x) | 1.5253% | 4,604 |
| Efficiency ratio | 65.0351% | 5,157 |
| Assets per employee ($millions) | 5.5107% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6081% | 545 |
| Loan loss allowance to noncurrent loans | 12.5641% | 7,050 |
| Noncurrent assets plus other real estate owned to assets | 23.4438% | 44 |
| Noncurrent loans to loans | 28.7176% | 18 |
| Net loans and leases to total assets | 71.9894% | 2,110 |
| Net loans and leases to deposits | 86.1913% | 2,059 |
| Net loans and leases to core deposits | 110.6450% | 886 |
| Total domestic deposits to total assets | 83.5228% | 4,592 |
| Equity capital to assets | 7.5593% | 6,847 |
| Core capital (leverage) ratio | 7.1820% | 6,922 |
| Tier 1 risk-based capital ratio | 12.1914% | 5,301 |
| Total risk-based capital ratio | 13.4784% | 5,240 |
| Memoranda: | ||
| Average total assets | $2,429,856,200 | 295 |
| Average earning assets | $1,965,624,000 | 323 |
| Average equity | $194,166,000 | 360 |
| Average total loans | $1,722,563,800 | 276 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5926% | 290 |
| Cost of funding earning assets | 2.1088% | 522 |
| Net interest margin | 4.4838% | 1,297 |
| Noninterest income to average assets | 0.6548% | 3,097 |
| Noninterest expense to average assets | 2.3403% | 6,200 |
| Loan and lease loss provision to assets | 0.3719% | 3,664 |
| Net operating income to assets | 0.9783% | 2,304 |
| Return on assets (ROA) | 0.9902% | 2,384 |
| Pretax return on assets | 1.5612% | 1,440 |
| Return on Equity (ROE) | 12.2349% | 1,441 |
| Retained earnings to average equity (ytd only) | 12.2349% | 433 |
| Net charge-offs to loans | 0.6363% | 2,842 |
| Credit loss provision to net charge-offs | 83.4959% | 5,023 |
| Earnings coverage of net charge-offs (x) | 4.2985% | 3,116 |
| Efficiency ratio | 55.0042% | 6,684 |
| Assets per employee ($millions) | 5.6428% | 1,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8109% | 2,750 |
| Loan loss allowance to noncurrent loans | 6.8640% | 7,215 |
| Noncurrent assets plus other real estate owned to assets | 21.3856% | 43 |
| Noncurrent loans to loans | 26.3819% | 24 |
| Net loans and leases to total assets | 73.1569% | 1,986 |
| Net loans and leases to deposits | 95.0139% | 1,097 |
| Net loans and leases to core deposits | 115.0210% | 791 |
| Total domestic deposits to total assets | 76.9959% | 6,479 |
| Equity capital to assets | 8.7467% | 5,947 |
| Core capital (leverage) ratio | 8.4451% | 5,619 |
| Tier 1 risk-based capital ratio | 13.5212% | 4,189 |
| Total risk-based capital ratio | 14.7827% | 4,127 |
| Memoranda: | ||
| Average total assets | $2,455,943,250 | 289 |
| Average earning assets | $1,971,834,750 | 320 |
| Average equity | $198,759,750 | 351 |
| Average total loans | $1,719,008,750 | 275 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4572% | 362 |
| Cost of funding earning assets | 2.2307% | 425 |
| Net interest margin | 4.2265% | 2,063 |
| Noninterest income to average assets | 0.7325% | 2,503 |
| Noninterest expense to average assets | 2.3148% | 6,315 |
| Loan and lease loss provision to assets | 0.2902% | 4,063 |
| Net operating income to assets | 0.9283% | 2,443 |
| Return on assets (ROA) | 0.9289% | 2,537 |
| Pretax return on assets | 1.4823% | 1,606 |
| Return on Equity (ROE) | 11.7820% | 1,511 |
| Retained earnings to average equity (ytd only) | 11.7820% | 518 |
| Net charge-offs to loans | 0.6728% | 2,538 |
| Credit loss provision to net charge-offs | 62.9261% | 5,135 |
| Earnings coverage of net charge-offs (x) | 3.8411% | 3,157 |
| Efficiency ratio | 56.6465% | 6,552 |
| Assets per employee ($millions) | 5.5999% | 1,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7677% | 2,826 |
| Loan loss allowance to noncurrent loans | 7.3931% | 7,290 |
| Noncurrent assets plus other real estate owned to assets | 18.7490% | 73 |
| Noncurrent loans to loans | 23.9098% | 37 |
| Net loans and leases to total assets | 70.0965% | 2,873 |
| Net loans and leases to deposits | 87.7169% | 2,220 |
| Net loans and leases to core deposits | 101.4321% | 1,873 |
| Total domestic deposits to total assets | 79.9121% | 5,753 |
| Equity capital to assets | 8.1182% | 6,633 |
| Core capital (leverage) ratio | 7.7576% | 6,547 |
| Tier 1 risk-based capital ratio | 12.9664% | 4,478 |
| Total risk-based capital ratio | 14.2290% | 4,424 |
| Memoranda: | ||
| Average total assets | $2,480,839,670 | 286 |
| Average earning assets | $1,968,614,330 | 318 |
| Average equity | $195,586,330 | 352 |
| Average total loans | $1,700,618,670 | 280 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7404% | 246 |
| Cost of funding earning assets | 2.4105% | 289 |
| Net interest margin | 4.3300% | 1,596 |
| Noninterest income to average assets | 0.9635% | 1,410 |
| Noninterest expense to average assets | 2.1076% | 6,918 |
| Loan and lease loss provision to assets | 0.2905% | 3,694 |
| Net operating income to assets | 1.2526% | 1,399 |
| Return on assets (ROA) | 1.2532% | 1,472 |
| Pretax return on assets | 1.9100% | 722 |
| Return on Equity (ROE) | 16.1366% | 698 |
| Retained earnings to average equity (ytd only) | 16.1366% | 332 |
| Net charge-offs to loans | 0.9821% | 1,667 |
| Credit loss provision to net charge-offs | 44.0636% | 4,573 |
| Earnings coverage of net charge-offs (x) | 3.3359% | 2,939 |
| Efficiency ratio | 48.9319% | 7,378 |
| Assets per employee ($millions) | 5.4914% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8423% | 2,601 |
| Loan loss allowance to noncurrent loans | 7.9856% | 7,361 |
| Noncurrent assets plus other real estate owned to assets | 17.4541% | 94 |
| Noncurrent loans to loans | 23.0704% | 48 |
| Net loans and leases to total assets | 67.1145% | 3,600 |
| Net loans and leases to deposits | 82.7449% | 3,151 |
| Net loans and leases to core deposits | 94.3047% | 2,804 |
| Total domestic deposits to total assets | 81.1102% | 5,419 |
| Equity capital to assets | 7.9287% | 6,728 |
| Core capital (leverage) ratio | 7.6470% | 6,681 |
| Tier 1 risk-based capital ratio | 13.3733% | 4,068 |
| Total risk-based capital ratio | 14.6252% | 4,031 |
| Memoranda: | ||
| Average total assets | $2,478,089,000 | 295 |
| Average earning assets | $1,913,642,000 | 334 |
| Average equity | $192,456,500 | 363 |
| Average total loans | $1,663,828,500 | 296 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7751% | 399 |
| Cost of funding earning assets | 2.9510% | 260 |
| Net interest margin | 3.8240% | 3,604 |
| Noninterest income to average assets | 9.9604% | 70 |
| Noninterest expense to average assets | 3.3601% | 2,807 |
| Loan and lease loss provision to assets | 2.4549% | 812 |
| Net operating income to assets | 4.6710% | 31 |
| Return on assets (ROA) | 4.7048% | 30 |
| Pretax return on assets | 7.3129% | 28 |
| Return on Equity (ROE) | 56.2141% | 11 |
| Retained earnings to average equity (ytd only) | 55.7667% | 5 |
| Net charge-offs to loans | 1.4453% | 1,737 |
| Credit loss provision to net charge-offs | 249.0854% | 1,424 |
| Earnings coverage of net charge-offs (x) | 9.8574% | 1,747 |
| Efficiency ratio | 25.5490% | 7,959 |
| Assets per employee ($millions) | 5.5846% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.7957% | 4,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0488% | 1,919 |
| Loan loss allowance to noncurrent loans | 8.9633% | 7,380 |
| Noncurrent assets plus other real estate owned to assets | 16.3002% | 110 |
| Noncurrent loans to loans | 22.8573% | 47 |
| Net loans and leases to total assets | 64.5601% | 4,481 |
| Net loans and leases to deposits | 79.2566% | 4,125 |
| Net loans and leases to core deposits | 117.6535% | 2,165 |
| Total domestic deposits to total assets | 81.4571% | 5,171 |
| Equity capital to assets | 7.6042% | 6,943 |
| Core capital (leverage) ratio | 7.2410% | 7,037 |
| Tier 1 risk-based capital ratio | 13.2132% | 4,005 |
| Total risk-based capital ratio | 14.4780% | 3,937 |
| Memoranda: | ||
| Average total assets | $1,664,052,400 | 415 |
| Average earning assets | $1,355,292,600 | 457 |
| Average equity | $139,273,000 | 485 |
| Average total loans | $1,134,721,800 | 430 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3178% | 1,095 |
| Cost of funding earning assets | 2.8990% | 459 |
| Net interest margin | 3.4188% | 5,182 |
| Noninterest income to average assets | 14.8150% | 51 |
| Noninterest expense to average assets | 3.0032% | 4,030 |
| Loan and lease loss provision to assets | 2.2736% | 751 |
| Net operating income to assets | 8.2177% | 21 |
| Return on assets (ROA) | 8.1800% | 21 |
| Pretax return on assets | 12.3774% | 18 |
| Return on Equity (ROE) | 94.0835% | 7 |
| Retained earnings to average equity (ytd only) | 93.4292% | 5 |
| Net charge-offs to loans | 2.0436% | 958 |
| Credit loss provision to net charge-offs | 160.8735% | 2,942 |
| Earnings coverage of net charge-offs (x) | 10.4068% | 1,966 |
| Efficiency ratio | 16.8080% | 8,064 |
| Assets per employee ($millions) | 4.3372% | 3,143 |
| Cash dividends to net income (ytd only)* | 0.6954% | 3,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1627% | 5,341 |
| Loan loss allowance to noncurrent loans | 5.0350% | 7,507 |
| Noncurrent assets plus other real estate owned to assets | 15.6633% | 107 |
| Noncurrent loans to loans | 23.0919% | 41 |
| Net loans and leases to total assets | 60.4880% | 5,507 |
| Net loans and leases to deposits | 74.8923% | 5,230 |
| Net loans and leases to core deposits | 107.7149% | 3,504 |
| Total domestic deposits to total assets | 80.7667% | 5,168 |
| Equity capital to assets | 7.7584% | 7,083 |
| Core capital (leverage) ratio | 9.1122% | 4,472 |
| Tier 1 risk-based capital ratio | 14.6255% | 3,211 |
| Total risk-based capital ratio | 15.8783% | 3,162 |
| Memoranda: | ||
| Average total assets | $1,460,172,000 | 483 |
| Average earning assets | $1,237,053,500 | 507 |
| Average equity | $126,953,500 | 535 |
| Average total loans | $1,009,827,500 | 490 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6077% | 4,039 |
| Cost of funding earning assets | 2.8360% | 715 |
| Net interest margin | 2.7717% | 7,068 |
| Noninterest income to average assets | 0.8703% | 2,093 |
| Noninterest expense to average assets | 3.0033% | 4,070 |
| Loan and lease loss provision to assets | 0.5174% | 2,954 |
| Net operating income to assets | -0.0549% | 5,929 |
| Return on assets (ROA) | -0.0482% | 5,985 |
| Pretax return on assets | -0.1207% | 6,021 |
| Return on Equity (ROE) | -0.5108% | 6,001 |
| Retained earnings to average equity (ytd only) | -1.7300% | 5,676 |
| Net charge-offs to loans | 0.4476% | 3,027 |
| Credit loss provision to net charge-offs | 153.0891% | 3,005 |
| Earnings coverage of net charge-offs (x) | 1.1432% | 4,668 |
| Efficiency ratio | 88.6012% | 1,941 |
| Assets per employee ($millions) | 4.5523% | 2,691 |
| Cash dividends to net income (ytd only)* | -238.6973% | 8,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,255 |
| Loan loss allowance to noncurrent loans | 22.1024% | 7,011 |
| Noncurrent assets plus other real estate owned to assets | 4.5741% | 1,212 |
| Noncurrent loans to loans | 5.2141% | 1,149 |
| Net loans and leases to total assets | 75.0967% | 2,418 |
| Net loans and leases to deposits | 102.4484% | 1,037 |
| Net loans and leases to core deposits | 151.5093% | 613 |
| Total domestic deposits to total assets | 73.3020% | 7,065 |
| Equity capital to assets | 9.5615% | 4,537 |
| Core capital (leverage) ratio | 9.6941% | 3,638 |
| Tier 1 risk-based capital ratio | 11.4239% | 5,470 |
| Total risk-based capital ratio | 12.5154% | 5,535 |
| Memoranda: | ||
| Average total assets | $1,082,348,330 | 639 |
| Average earning assets | $983,791,670 | 633 |
| Average equity | $102,196,330 | 660 |
| Average total loans | $817,337,000 | 597 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4769% | 5,032 |
| Cost of funding earning assets | 2.9103% | 748 |
| Net interest margin | 2.5665% | 7,418 |
| Noninterest income to average assets | 0.7345% | 2,686 |
| Noninterest expense to average assets | 3.0127% | 3,710 |
| Loan and lease loss provision to assets | 0.4942% | 2,501 |
| Net operating income to assets | -0.2699% | 6,648 |
| Return on assets (ROA) | -0.2612% | 6,708 |
| Pretax return on assets | -0.4288% | 6,765 |
| Return on Equity (ROE) | -2.7851% | 6,755 |
| Retained earnings to average equity (ytd only) | -2.7851% | 6,241 |
| Net charge-offs to loans | 0.4101% | 2,462 |
| Credit loss provision to net charge-offs | 160.0985% | 2,647 |
| Earnings coverage of net charge-offs (x) | 0.1675% | 4,848 |
| Efficiency ratio | 98.3129% | 1,200 |
| Assets per employee ($millions) | 4.4614% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1767% | 4,955 |
| Loan loss allowance to noncurrent loans | 38.4982% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 2.7639% | 2,050 |
| Noncurrent loans to loans | 3.0564% | 2,132 |
| Net loans and leases to total assets | 73.1569% | 2,973 |
| Net loans and leases to deposits | 108.3167% | 708 |
| Net loans and leases to core deposits | 166.3106% | 403 |
| Total domestic deposits to total assets | 67.5398% | 7,629 |
| Equity capital to assets | 10.0504% | 3,943 |
| Core capital (leverage) ratio | 10.2860% | 3,123 |
| Tier 1 risk-based capital ratio | 12.2344% | 4,762 |
| Total risk-based capital ratio | 13.3480% | 4,775 |
| Memoranda: | ||
| Average total assets | $1,052,212,500 | 664 |
| Average earning assets | $955,217,500 | 658 |
| Average equity | $98,668,500 | 681 |
| Average total loans | $791,968,500 | 625 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0547% | 1,002 |
| Cost of funding earning assets | 3.2768% | 987 |
| Net interest margin | 3.7778% | 4,111 |
| Noninterest income to average assets | 1.1672% | 1,134 |
| Noninterest expense to average assets | 3.3638% | 2,781 |
| Loan and lease loss provision to assets | 0.6217% | 2,346 |
| Net operating income to assets | 0.3436% | 5,382 |
| Return on assets (ROA) | 0.3444% | 5,194 |
| Pretax return on assets | 0.5839% | 4,746 |
| Return on Equity (ROE) | 3.6777% | 4,960 |
| Retained earnings to average equity (ytd only) | 2.4213% | 3,693 |
| Net charge-offs to loans | 0.4184% | 2,729 |
| Credit loss provision to net charge-offs | 190.2896% | 2,593 |
| Earnings coverage of net charge-offs (x) | 3.6865% | 4,252 |
| Efficiency ratio | 73.6355% | 3,638 |
| Assets per employee ($millions) | 4.1281% | 3,258 |
| Cash dividends to net income (ytd only)* | 34.1629% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1659% | 4,808 |
| Loan loss allowance to noncurrent loans | 67.8918% | 4,640 |
| Noncurrent assets plus other real estate owned to assets | 1.7112% | 2,846 |
| Noncurrent loans to loans | 1.7173% | 3,193 |
| Net loans and leases to total assets | 75.7129% | 2,705 |
| Net loans and leases to deposits | 112.9087% | 666 |
| Net loans and leases to core deposits | 177.5265% | 313 |
| Total domestic deposits to total assets | 67.0568% | 7,569 |
| Equity capital to assets | 8.6497% | 5,870 |
| Core capital (leverage) ratio | 8.7626% | 5,095 |
| Tier 1 risk-based capital ratio | 10.1512% | 6,573 |
| Total risk-based capital ratio | 11.2509% | 6,616 |
| Memoranda: | ||
| Average total assets | $898,378,800 | 741 |
| Average earning assets | $808,770,400 | 758 |
| Average equity | $84,129,800 | 795 |
| Average total loans | $701,476,000 | 678 |