Home > WashingtonFirst Bank > Performance and Condition Ratios
WashingtonFirst Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3436% | 2,199 |
| Cost of funding earning assets | 0.7131% | 959 |
| Net interest margin | 3.6306% | 3,059 |
| Noninterest income to average assets | 0.9637% | 1,107 |
| Noninterest expense to average assets | 2.7782% | 2,854 |
| Loan and lease loss provision to assets | 0.1385% | 1,652 |
| Net operating income to assets | 0.7696% | 3,305 |
| Return on assets (ROA) | 0.7696% | 3,344 |
| Pretax return on assets | 1.5095% | 1,602 |
| Return on Equity (ROE) | 7.1235% | 3,209 |
| Retained earnings to average equity (ytd only) | 1.4958% | 4,406 |
| Net charge-offs to loans | 0.1076% | 1,996 |
| Credit loss provision to net charge-offs | 160.3827% | 1,667 |
| Earnings coverage of net charge-offs (x) | 19.0872% | 2,040 |
| Efficiency ratio | 62.5814% | 3,847 |
| Assets per employee ($millions) | 10.2410% | 296 |
| Cash dividends to net income (ytd only)* | 79.0025% | 877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8527% | 4,658 |
| Loan loss allowance to noncurrent loans | 65.1131% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0904% | 1,399 |
| Noncurrent loans to loans | 1.3095% | 1,327 |
| Net loans and leases to total assets | 80.7752% | 865 |
| Net loans and leases to deposits | 105.2116% | 436 |
| Net loans and leases to core deposits | 126.7886% | 415 |
| Total domestic deposits to total assets | 76.7741% | 4,885 |
| Equity capital to assets | 10.4920% | 3,175 |
| Core capital (leverage) ratio | 10.4695% | 2,879 |
| Tier 1 risk-based capital ratio | 11.9528% | 4,562 |
| Total risk-based capital ratio | 12.7890% | 4,720 |
| Memoranda: | ||
| Average total assets | $2,058,212,600 | 399 |
| Average earning assets | $1,962,923,600 | 382 |
| Average equity | $222,362,400 | 406 |
| Average total loans | $1,652,122,200 | 364 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3153% | 2,222 |
| Cost of funding earning assets | 0.6976% | 974 |
| Net interest margin | 3.6177% | 3,076 |
| Noninterest income to average assets | 1.0366% | 945 |
| Noninterest expense to average assets | 2.5912% | 3,436 |
| Loan and lease loss provision to assets | 0.1509% | 1,384 |
| Net operating income to assets | 1.1260% | 1,970 |
| Return on assets (ROA) | 1.1260% | 2,034 |
| Pretax return on assets | 1.7480% | 1,011 |
| Return on Equity (ROE) | 10.3458% | 1,966 |
| Retained earnings to average equity (ytd only) | 7.6428% | 1,373 |
| Net charge-offs to loans | 0.1435% | 1,390 |
| Credit loss provision to net charge-offs | 131.5341% | 1,878 |
| Earnings coverage of net charge-offs (x) | 16.5511% | 2,162 |
| Efficiency ratio | 57.5218% | 4,562 |
| Assets per employee ($millions) | 9.4469% | 375 |
| Cash dividends to net income (ytd only)* | 26.1260% | 2,902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8498% | 4,758 |
| Loan loss allowance to noncurrent loans | 62.6807% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.1312% | 1,458 |
| Noncurrent loans to loans | 1.3558% | 1,387 |
| Net loans and leases to total assets | 80.4592% | 919 |
| Net loans and leases to deposits | 97.1761% | 995 |
| Net loans and leases to core deposits | 115.9903% | 749 |
| Total domestic deposits to total assets | 82.7973% | 3,525 |
| Equity capital to assets | 11.3083% | 2,565 |
| Core capital (leverage) ratio | 10.9196% | 2,531 |
| Tier 1 risk-based capital ratio | 12.9673% | 4,034 |
| Total risk-based capital ratio | 13.8078% | 4,189 |
| Memoranda: | ||
| Average total assets | $2,045,353,500 | 399 |
| Average earning assets | $1,952,484,000 | 385 |
| Average equity | $222,616,750 | 409 |
| Average total loans | $1,635,470,500 | 369 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2445% | 2,311 |
| Cost of funding earning assets | 0.6687% | 1,048 |
| Net interest margin | 3.5758% | 3,125 |
| Noninterest income to average assets | 1.0456% | 935 |
| Noninterest expense to average assets | 2.5904% | 3,463 |
| Loan and lease loss provision to assets | 0.1898% | 985 |
| Net operating income to assets | 1.0890% | 2,029 |
| Return on assets (ROA) | 1.0890% | 2,085 |
| Pretax return on assets | 1.6782% | 1,106 |
| Return on Equity (ROE) | 10.1380% | 1,968 |
| Retained earnings to average equity (ytd only) | 7.6967% | 1,283 |
| Net charge-offs to loans | 0.1781% | 1,115 |
| Credit loss provision to net charge-offs | 133.9779% | 1,643 |
| Earnings coverage of net charge-offs (x) | 13.1837% | 2,146 |
| Efficiency ratio | 57.9114% | 4,605 |
| Assets per employee ($millions) | 8.5881% | 487 |
| Cash dividends to net income (ytd only)* | 24.0812% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8342% | 4,857 |
| Loan loss allowance to noncurrent loans | 82.3041% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 2,064 |
| Noncurrent loans to loans | 1.0135% | 1,937 |
| Net loans and leases to total assets | 80.5016% | 878 |
| Net loans and leases to deposits | 95.5772% | 1,114 |
| Net loans and leases to core deposits | 111.5372% | 928 |
| Total domestic deposits to total assets | 84.2267% | 3,114 |
| Equity capital to assets | 10.9302% | 2,892 |
| Core capital (leverage) ratio | 10.8468% | 2,555 |
| Tier 1 risk-based capital ratio | 12.5463% | 4,274 |
| Total risk-based capital ratio | 13.3711% | 4,432 |
| Memoranda: | ||
| Average total assets | $2,043,811,000 | 402 |
| Average earning assets | $1,950,684,670 | 387 |
| Average equity | $219,550,000 | 412 |
| Average total loans | $1,626,115,670 | 372 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1597% | 2,432 |
| Cost of funding earning assets | 0.6432% | 1,107 |
| Net interest margin | 3.5165% | 3,215 |
| Noninterest income to average assets | 0.8959% | 1,258 |
| Noninterest expense to average assets | 2.5276% | 3,727 |
| Loan and lease loss provision to assets | 0.2003% | 823 |
| Net operating income to assets | 0.9812% | 2,384 |
| Return on assets (ROA) | 0.9812% | 2,433 |
| Pretax return on assets | 1.5242% | 1,458 |
| Return on Equity (ROE) | 9.2165% | 2,311 |
| Retained earnings to average equity (ytd only) | 7.6220% | 1,601 |
| Net charge-offs to loans | 0.0231% | 2,304 |
| Credit loss provision to net charge-offs | 1,103.2609% | 286 |
| Earnings coverage of net charge-offs (x) | 94.9674% | 566 |
| Efficiency ratio | 59.3418% | 4,554 |
| Assets per employee ($millions) | 8.3835% | 526 |
| Cash dividends to net income (ytd only)* | 17.3003% | 2,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 4,783 |
| Loan loss allowance to noncurrent loans | 265.9028% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 3,966 |
| Noncurrent loans to loans | 0.3358% | 3,901 |
| Net loans and leases to total assets | 78.3868% | 1,075 |
| Net loans and leases to deposits | 95.5827% | 968 |
| Net loans and leases to core deposits | 112.3383% | 758 |
| Total domestic deposits to total assets | 82.0094% | 4,166 |
| Equity capital to assets | 10.8120% | 2,846 |
| Core capital (leverage) ratio | 10.8412% | 2,556 |
| Tier 1 risk-based capital ratio | 12.6857% | 4,267 |
| Total risk-based capital ratio | 13.5678% | 4,403 |
| Memoranda: | ||
| Average total assets | $2,026,559,000 | 406 |
| Average earning assets | $1,934,174,500 | 390 |
| Average equity | $215,743,000 | 419 |
| Average total loans | $1,595,598,500 | 378 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1574% | 2,636 |
| Cost of funding earning assets | 0.5906% | 1,402 |
| Net interest margin | 3.5668% | 3,199 |
| Noninterest income to average assets | 1.3596% | 620 |
| Noninterest expense to average assets | 2.9254% | 2,586 |
| Loan and lease loss provision to assets | 0.2111% | 1,072 |
| Net operating income to assets | 1.0443% | 2,165 |
| Return on assets (ROA) | 1.0903% | 2,037 |
| Pretax return on assets | 1.7053% | 991 |
| Return on Equity (ROE) | 9.8862% | 2,005 |
| Retained earnings to average equity (ytd only) | 9.1610% | 556 |
| Net charge-offs to loans | 0.1788% | 1,536 |
| Credit loss provision to net charge-offs | 149.9807% | 1,829 |
| Earnings coverage of net charge-offs (x) | 13.1036% | 2,394 |
| Efficiency ratio | 61.2335% | 4,379 |
| Assets per employee ($millions) | 8.0937% | 583 |
| Cash dividends to net income (ytd only)* | 7.3353% | 4,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8669% | 4,908 |
| Loan loss allowance to noncurrent loans | 236.2909% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3590% | 3,846 |
| Noncurrent loans to loans | 0.3669% | 3,807 |
| Net loans and leases to total assets | 77.6865% | 1,252 |
| Net loans and leases to deposits | 101.0662% | 596 |
| Net loans and leases to core deposits | 116.1942% | 612 |
| Total domestic deposits to total assets | 76.8670% | 5,132 |
| Equity capital to assets | 10.4750% | 3,183 |
| Core capital (leverage) ratio | 10.7429% | 2,605 |
| Tier 1 risk-based capital ratio | 12.2943% | 4,510 |
| Total risk-based capital ratio | 13.1456% | 4,685 |
| Memoranda: | ||
| Average total assets | $1,837,954,800 | 425 |
| Average earning assets | $1,757,257,400 | 404 |
| Average equity | $202,707,000 | 431 |
| Average total loans | $1,446,532,600 | 386 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1948% | 2,534 |
| Cost of funding earning assets | 0.5973% | 1,353 |
| Net interest margin | 3.5975% | 3,082 |
| Noninterest income to average assets | 1.4689% | 554 |
| Noninterest expense to average assets | 3.0672% | 2,107 |
| Loan and lease loss provision to assets | 0.1958% | 1,098 |
| Net operating income to assets | 1.0371% | 2,258 |
| Return on assets (ROA) | 1.0981% | 2,107 |
| Pretax return on assets | 1.7415% | 1,019 |
| Return on Equity (ROE) | 9.8198% | 2,133 |
| Retained earnings to average equity (ytd only) | 9.3323% | 725 |
| Net charge-offs to loans | 0.1853% | 1,262 |
| Credit loss provision to net charge-offs | 134.0782% | 1,937 |
| Earnings coverage of net charge-offs (x) | 12.6120% | 2,375 |
| Efficiency ratio | 62.3823% | 4,162 |
| Assets per employee ($millions) | 8.0683% | 577 |
| Cash dividends to net income (ytd only)* | 4.9642% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8673% | 4,977 |
| Loan loss allowance to noncurrent loans | 220.1461% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.4108% | 3,783 |
| Noncurrent loans to loans | 0.3940% | 3,854 |
| Net loans and leases to total assets | 77.4641% | 1,289 |
| Net loans and leases to deposits | 95.7632% | 1,073 |
| Net loans and leases to core deposits | 108.5076% | 1,015 |
| Total domestic deposits to total assets | 80.8913% | 4,271 |
| Equity capital to assets | 10.8933% | 3,144 |
| Core capital (leverage) ratio | 10.9397% | 2,523 |
| Tier 1 risk-based capital ratio | 12.8776% | 4,234 |
| Total risk-based capital ratio | 13.7517% | 4,374 |
| Memoranda: | ||
| Average total assets | $1,797,656,250 | 428 |
| Average earning assets | $1,718,998,000 | 415 |
| Average equity | $201,031,000 | 435 |
| Average total loans | $1,416,503,000 | 393 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2056% | 2,499 |
| Cost of funding earning assets | 0.6096% | 1,251 |
| Net interest margin | 3.5960% | 3,113 |
| Noninterest income to average assets | 1.3113% | 666 |
| Noninterest expense to average assets | 3.0092% | 2,316 |
| Loan and lease loss provision to assets | 0.1824% | 1,195 |
| Net operating income to assets | 0.9840% | 2,453 |
| Return on assets (ROA) | 1.0678% | 2,216 |
| Pretax return on assets | 1.6907% | 1,115 |
| Return on Equity (ROE) | 9.4599% | 2,291 |
| Retained earnings to average equity (ytd only) | 9.4599% | 731 |
| Net charge-offs to loans | 0.1868% | 1,231 |
| Credit loss provision to net charge-offs | 123.5566% | 1,818 |
| Earnings coverage of net charge-offs (x) | 11.7991% | 2,231 |
| Efficiency ratio | 63.2297% | 4,150 |
| Assets per employee ($millions) | 7.6425% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 5,041 |
| Loan loss allowance to noncurrent loans | 168.2924% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.5214% | 3,471 |
| Noncurrent loans to loans | 0.5184% | 3,533 |
| Net loans and leases to total assets | 77.3795% | 1,277 |
| Net loans and leases to deposits | 91.5460% | 1,571 |
| Net loans and leases to core deposits | 104.0391% | 1,316 |
| Total domestic deposits to total assets | 84.5253% | 3,081 |
| Equity capital to assets | 11.0435% | 3,015 |
| Core capital (leverage) ratio | 10.6542% | 2,787 |
| Tier 1 risk-based capital ratio | 12.7223% | 4,372 |
| Total risk-based capital ratio | 13.5632% | 4,559 |
| Memoranda: | ||
| Average total assets | $1,759,479,330 | 440 |
| Average earning assets | $1,683,185,670 | 421 |
| Average equity | $198,607,670 | 437 |
| Average total loans | $1,390,598,000 | 397 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,317 |
| Cost of funding earning assets | 0.6021% | 1,320 |
| Net interest margin | 3.6436% | 2,913 |
| Noninterest income to average assets | 1.0291% | 1,016 |
| Noninterest expense to average assets | 2.7407% | 3,272 |
| Loan and lease loss provision to assets | 0.1458% | 1,448 |
| Net operating income to assets | 1.0287% | 2,163 |
| Return on assets (ROA) | 1.0399% | 2,243 |
| Pretax return on assets | 1.6446% | 1,196 |
| Return on Equity (ROE) | 9.1058% | 2,374 |
| Retained earnings to average equity (ytd only) | 9.1058% | 1,083 |
| Net charge-offs to loans | 0.1718% | 1,109 |
| Credit loss provision to net charge-offs | 106.6553% | 1,548 |
| Earnings coverage of net charge-offs (x) | 12.9676% | 1,760 |
| Efficiency ratio | 60.6068% | 4,663 |
| Assets per employee ($millions) | 7.3760% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8911% | 5,088 |
| Loan loss allowance to noncurrent loans | 139.8639% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 3,266 |
| Noncurrent loans to loans | 0.6372% | 3,260 |
| Net loans and leases to total assets | 78.1078% | 1,088 |
| Net loans and leases to deposits | 96.3174% | 915 |
| Net loans and leases to core deposits | 108.8483% | 923 |
| Total domestic deposits to total assets | 81.0941% | 4,472 |
| Equity capital to assets | 11.3372% | 2,584 |
| Core capital (leverage) ratio | 11.1300% | 2,283 |
| Tier 1 risk-based capital ratio | 12.8228% | 4,381 |
| Total risk-based capital ratio | 13.6752% | 4,533 |
| Memoranda: | ||
| Average total assets | $1,714,473,500 | 456 |
| Average earning assets | $1,639,602,000 | 429 |
| Average equity | $195,787,500 | 437 |
| Average total loans | $1,364,036,500 | 402 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3198% | 2,150 |
| Cost of funding earning assets | 0.5835% | 1,473 |
| Net interest margin | 3.7364% | 2,618 |
| Noninterest income to average assets | 0.6658% | 2,372 |
| Noninterest expense to average assets | 2.5479% | 4,078 |
| Loan and lease loss provision to assets | 0.2347% | 832 |
| Net operating income to assets | 0.9440% | 2,642 |
| Return on assets (ROA) | 0.9444% | 2,715 |
| Pretax return on assets | 1.4466% | 1,734 |
| Return on Equity (ROE) | 9.7358% | 2,110 |
| Retained earnings to average equity (ytd only) | 9.5484% | 527 |
| Net charge-offs to loans | 0.0434% | 3,346 |
| Credit loss provision to net charge-offs | 685.3282% | 489 |
| Earnings coverage of net charge-offs (x) | 49.0695% | 1,018 |
| Efficiency ratio | 60.1195% | 4,893 |
| Assets per employee ($millions) | 7.5043% | 697 |
| Cash dividends to net income (ytd only)* | 1.9254% | 4,230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 5,036 |
| Loan loss allowance to noncurrent loans | 120.1388% | 3,267 |
| Noncurrent assets plus other real estate owned to assets | 0.6112% | 3,234 |
| Noncurrent loans to loans | 0.7608% | 2,897 |
| Net loans and leases to total assets | 79.6125% | 899 |
| Net loans and leases to deposits | 98.7077% | 763 |
| Net loans and leases to core deposits | 112.2963% | 754 |
| Total domestic deposits to total assets | 80.6548% | 4,578 |
| Equity capital to assets | 11.5062% | 2,355 |
| Core capital (leverage) ratio | 11.1948% | 2,221 |
| Tier 1 risk-based capital ratio | 12.8270% | 4,437 |
| Total risk-based capital ratio | 13.6982% | 4,558 |
| Memoranda: | ||
| Average total assets | $1,512,361,800 | 471 |
| Average earning assets | $1,442,065,200 | 448 |
| Average equity | $146,705,600 | 515 |
| Average total loans | $1,193,239,400 | 415 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3141% | 2,183 |
| Cost of funding earning assets | 0.5778% | 1,562 |
| Net interest margin | 3.7363% | 2,623 |
| Noninterest income to average assets | 0.5381% | 3,119 |
| Noninterest expense to average assets | 2.4459% | 4,369 |
| Loan and lease loss provision to assets | 0.2242% | 829 |
| Net operating income to assets | 0.9168% | 2,881 |
| Return on assets (ROA) | 0.9174% | 2,964 |
| Pretax return on assets | 1.4284% | 1,907 |
| Return on Equity (ROE) | 9.9857% | 2,110 |
| Retained earnings to average equity (ytd only) | 9.7146% | 688 |
| Net charge-offs to loans | 0.0183% | 3,580 |
| Credit loss provision to net charge-offs | 1,556.6038% | 228 |
| Earnings coverage of net charge-offs (x) | 114.6944% | 557 |
| Efficiency ratio | 59.5500% | 4,942 |
| Assets per employee ($millions) | 7.4173% | 714 |
| Cash dividends to net income (ytd only)* | 2.7150% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 5,200 |
| Loan loss allowance to noncurrent loans | 136.9100% | 2,994 |
| Noncurrent assets plus other real estate owned to assets | 0.5369% | 3,700 |
| Noncurrent loans to loans | 0.6579% | 3,355 |
| Net loans and leases to total assets | 79.8400% | 844 |
| Net loans and leases to deposits | 96.8198% | 922 |
| Net loans and leases to core deposits | 109.0867% | 926 |
| Total domestic deposits to total assets | 82.4625% | 3,999 |
| Equity capital to assets | 9.6723% | 4,544 |
| Core capital (leverage) ratio | 9.2881% | 4,603 |
| Tier 1 risk-based capital ratio | 10.2983% | 5,949 |
| Total risk-based capital ratio | 11.3364% | 5,965 |
| Memoranda: | ||
| Average total assets | $1,472,085,750 | 490 |
| Average earning assets | $1,402,425,250 | 468 |
| Average equity | $135,243,750 | 558 |
| Average total loans | $1,155,405,000 | 432 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 2,278 |
| Cost of funding earning assets | 0.5712% | 1,636 |
| Net interest margin | 3.7007% | 2,702 |
| Noninterest income to average assets | 0.3636% | 4,344 |
| Noninterest expense to average assets | 2.2578% | 4,954 |
| Loan and lease loss provision to assets | 0.2166% | 877 |
| Net operating income to assets | 0.9073% | 2,833 |
| Return on assets (ROA) | 0.9093% | 2,953 |
| Pretax return on assets | 1.4149% | 1,911 |
| Return on Equity (ROE) | 10.0954% | 2,030 |
| Retained earnings to average equity (ytd only) | 9.6688% | 737 |
| Net charge-offs to loans | 0.0325% | 3,015 |
| Credit loss provision to net charge-offs | 856.3536% | 409 |
| Earnings coverage of net charge-offs (x) | 64.3812% | 802 |
| Efficiency ratio | 57.9432% | 5,226 |
| Assets per employee ($millions) | 8.9093% | 381 |
| Cash dividends to net income (ytd only)* | 4.2262% | 3,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 5,303 |
| Loan loss allowance to noncurrent loans | 176.1313% | 2,460 |
| Noncurrent assets plus other real estate owned to assets | 0.4151% | 4,246 |
| Noncurrent loans to loans | 0.5107% | 3,923 |
| Net loans and leases to total assets | 76.8369% | 1,249 |
| Net loans and leases to deposits | 93.3208% | 1,217 |
| Net loans and leases to core deposits | 107.0513% | 1,024 |
| Total domestic deposits to total assets | 82.3363% | 4,181 |
| Equity capital to assets | 9.0917% | 5,154 |
| Core capital (leverage) ratio | 9.0687% | 4,866 |
| Tier 1 risk-based capital ratio | 10.0434% | 6,078 |
| Total risk-based capital ratio | 11.0704% | 6,091 |
| Memoranda: | ||
| Average total assets | $1,431,207,000 | 502 |
| Average earning assets | $1,362,347,670 | 476 |
| Average equity | $128,909,670 | 591 |
| Average total loans | $1,112,273,670 | 445 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2771% | 2,170 |
| Cost of funding earning assets | 0.5810% | 1,574 |
| Net interest margin | 3.6961% | 2,629 |
| Noninterest income to average assets | 0.3321% | 4,533 |
| Noninterest expense to average assets | 2.2237% | 5,087 |
| Loan and lease loss provision to assets | 0.2022% | 913 |
| Net operating income to assets | 0.9209% | 2,647 |
| Return on assets (ROA) | 0.9239% | 2,759 |
| Pretax return on assets | 1.4307% | 1,774 |
| Return on Equity (ROE) | 10.3103% | 1,865 |
| Retained earnings to average equity (ytd only) | 10.3103% | 848 |
| Net charge-offs to loans | 0.0379% | 2,454 |
| Credit loss provision to net charge-offs | 686.2745% | 432 |
| Earnings coverage of net charge-offs (x) | 55.2745% | 780 |
| Efficiency ratio | 57.5723% | 5,380 |
| Assets per employee ($millions) | 8.5518% | 430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9046% | 5,428 |
| Loan loss allowance to noncurrent loans | 174.5174% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.4244% | 4,336 |
| Noncurrent loans to loans | 0.5183% | 4,023 |
| Net loans and leases to total assets | 75.1452% | 1,329 |
| Net loans and leases to deposits | 90.5423% | 1,334 |
| Net loans and leases to core deposits | 103.9976% | 1,065 |
| Total domestic deposits to total assets | 82.9946% | 4,185 |
| Equity capital to assets | 9.1283% | 5,158 |
| Core capital (leverage) ratio | 8.9297% | 5,040 |
| Tier 1 risk-based capital ratio | 10.1934% | 6,116 |
| Total risk-based capital ratio | 11.2411% | 6,124 |
| Memoranda: | ||
| Average total assets | $1,385,068,000 | 517 |
| Average earning assets | $1,319,012,000 | 495 |
| Average equity | $124,109,000 | 617 |
| Average total loans | $1,077,798,500 | 451 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 2,221 |
| Cost of funding earning assets | 0.5529% | 2,184 |
| Net interest margin | 3.8469% | 2,436 |
| Noninterest income to average assets | 0.3225% | 4,811 |
| Noninterest expense to average assets | 2.4907% | 4,581 |
| Loan and lease loss provision to assets | 0.2326% | 1,041 |
| Net operating income to assets | 0.8539% | 3,100 |
| Return on assets (ROA) | 0.8626% | 3,146 |
| Pretax return on assets | 1.2737% | 2,334 |
| Return on Equity (ROE) | 10.1130% | 2,065 |
| Retained earnings to average equity (ytd only) | 10.1130% | 499 |
| Net charge-offs to loans | 0.2386% | 1,773 |
| Credit loss provision to net charge-offs | 131.7405% | 1,807 |
| Earnings coverage of net charge-offs (x) | 8.4573% | 2,878 |
| Efficiency ratio | 62.3470% | 4,857 |
| Assets per employee ($millions) | 7.6634% | 614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8683% | 5,571 |
| Loan loss allowance to noncurrent loans | 106.4757% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.6791% | 3,538 |
| Noncurrent loans to loans | 0.8155% | 3,280 |
| Net loans and leases to total assets | 79.2594% | 848 |
| Net loans and leases to deposits | 95.2520% | 962 |
| Net loans and leases to core deposits | 109.7036% | 791 |
| Total domestic deposits to total assets | 83.2102% | 4,003 |
| Equity capital to assets | 8.7797% | 5,505 |
| Core capital (leverage) ratio | 8.3261% | 5,752 |
| Tier 1 risk-based capital ratio | 9.8819% | 6,288 |
| Total risk-based capital ratio | 10.9406% | 6,292 |
| Memoranda: | ||
| Average total assets | $1,291,653,000 | 526 |
| Average earning assets | $1,229,468,600 | 505 |
| Average equity | $110,175,200 | 666 |
| Average total loans | $956,120,400 | 472 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3321% | 2,491 |
| Cost of funding earning assets | 0.5410% | 2,366 |
| Net interest margin | 3.7911% | 2,652 |
| Noninterest income to average assets | 0.3057% | 4,995 |
| Noninterest expense to average assets | 2.4710% | 4,613 |
| Loan and lease loss provision to assets | 0.2295% | 971 |
| Net operating income to assets | 0.8372% | 3,247 |
| Return on assets (ROA) | 0.8491% | 3,275 |
| Pretax return on assets | 1.2317% | 2,645 |
| Return on Equity (ROE) | 10.0307% | 2,210 |
| Retained earnings to average equity (ytd only) | 10.0307% | 702 |
| Net charge-offs to loans | 0.2533% | 1,526 |
| Credit loss provision to net charge-offs | 125.0000% | 1,833 |
| Earnings coverage of net charge-offs (x) | 7.8657% | 2,886 |
| Efficiency ratio | 62.9452% | 4,737 |
| Assets per employee ($millions) | 7.9431% | 535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8756% | 5,672 |
| Loan loss allowance to noncurrent loans | 102.9837% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 0.7400% | 3,592 |
| Noncurrent loans to loans | 0.8502% | 3,440 |
| Net loans and leases to total assets | 76.1310% | 1,204 |
| Net loans and leases to deposits | 89.8981% | 1,438 |
| Net loans and leases to core deposits | 103.6066% | 1,121 |
| Total domestic deposits to total assets | 84.6859% | 3,461 |
| Equity capital to assets | 8.4929% | 5,802 |
| Core capital (leverage) ratio | 8.3055% | 5,834 |
| Tier 1 risk-based capital ratio | 9.8292% | 6,378 |
| Total risk-based capital ratio | 10.8872% | 6,390 |
| Memoranda: | ||
| Average total assets | $1,281,208,750 | 528 |
| Average earning assets | $1,219,727,500 | 510 |
| Average equity | $108,451,250 | 674 |
| Average total loans | $928,619,000 | 478 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2515% | 2,765 |
| Cost of funding earning assets | 0.5286% | 2,554 |
| Net interest margin | 3.7229% | 2,865 |
| Noninterest income to average assets | 0.2838% | 5,152 |
| Noninterest expense to average assets | 2.4578% | 4,706 |
| Loan and lease loss provision to assets | 0.2066% | 1,156 |
| Net operating income to assets | 0.7615% | 3,503 |
| Return on assets (ROA) | 0.7763% | 3,545 |
| Pretax return on assets | 1.1875% | 2,716 |
| Return on Equity (ROE) | 9.1814% | 2,513 |
| Retained earnings to average equity (ytd only) | 9.1814% | 926 |
| Net charge-offs to loans | 0.3362% | 1,210 |
| Credit loss provision to net charge-offs | 86.5959% | 2,235 |
| Earnings coverage of net charge-offs (x) | 5.7485% | 2,877 |
| Efficiency ratio | 64.0099% | 4,687 |
| Assets per employee ($millions) | 8.2624% | 445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8742% | 5,799 |
| Loan loss allowance to noncurrent loans | 90.5062% | 3,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7273% | 3,801 |
| Noncurrent loans to loans | 0.9659% | 3,309 |
| Net loans and leases to total assets | 68.0613% | 2,405 |
| Net loans and leases to deposits | 78.5124% | 2,731 |
| Net loans and leases to core deposits | 89.6598% | 2,157 |
| Total domestic deposits to total assets | 86.6886% | 2,641 |
| Equity capital to assets | 7.9551% | 6,179 |
| Core capital (leverage) ratio | 8.2724% | 5,869 |
| Tier 1 risk-based capital ratio | 10.2439% | 6,324 |
| Total risk-based capital ratio | 11.3186% | 6,335 |
| Memoranda: | ||
| Average total assets | $1,263,466,330 | 532 |
| Average earning assets | $1,203,187,670 | 514 |
| Average equity | $106,824,330 | 679 |
| Average total loans | $896,527,330 | 489 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 3,101 |
| Cost of funding earning assets | 0.5262% | 2,642 |
| Net interest margin | 3.6191% | 3,175 |
| Noninterest income to average assets | 0.2997% | 4,961 |
| Noninterest expense to average assets | 2.5812% | 4,338 |
| Loan and lease loss provision to assets | 0.1815% | 1,322 |
| Net operating income to assets | 0.6459% | 3,966 |
| Return on assets (ROA) | 0.6767% | 3,889 |
| Pretax return on assets | 1.0333% | 3,199 |
| Return on Equity (ROE) | 7.7391% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.7391% | 1,705 |
| Net charge-offs to loans | 0.5326% | 691 |
| Credit loss provision to net charge-offs | 47.1453% | 2,233 |
| Earnings coverage of net charge-offs (x) | 3.0329% | 2,743 |
| Efficiency ratio | 68.6595% | 4,071 |
| Assets per employee ($millions) | 7.9236% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8819% | 5,921 |
| Loan loss allowance to noncurrent loans | 44.7223% | 5,401 |
| Noncurrent assets plus other real estate owned to assets | 1.4684% | 2,415 |
| Noncurrent loans to loans | 1.9720% | 1,897 |
| Net loans and leases to total assets | 69.8012% | 1,933 |
| Net loans and leases to deposits | 80.5117% | 2,226 |
| Net loans and leases to core deposits | 93.1703% | 1,624 |
| Total domestic deposits to total assets | 86.6970% | 2,996 |
| Equity capital to assets | 8.3362% | 5,795 |
| Core capital (leverage) ratio | 8.6744% | 5,422 |
| Tier 1 risk-based capital ratio | 10.6165% | 6,300 |
| Total risk-based capital ratio | 11.7200% | 6,305 |
| Memoranda: | ||
| Average total assets | $1,201,156,500 | 564 |
| Average earning assets | $1,144,707,500 | 540 |
| Average equity | $105,024,500 | 694 |
| Average total loans | $868,250,500 | 500 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3249% | 2,865 |
| Cost of funding earning assets | 0.5401% | 3,195 |
| Net interest margin | 3.7848% | 2,707 |
| Noninterest income to average assets | 0.3757% | 4,626 |
| Noninterest expense to average assets | 2.4007% | 5,071 |
| Loan and lease loss provision to assets | 0.4258% | 693 |
| Net operating income to assets | 0.8202% | 3,188 |
| Return on assets (ROA) | 0.7280% | 3,755 |
| Pretax return on assets | 1.0347% | 3,209 |
| Return on Equity (ROE) | 8.1390% | 2,964 |
| Retained earnings to average equity (ytd only) | 8.1390% | 1,011 |
| Net charge-offs to loans | 0.3136% | 2,116 |
| Credit loss provision to net charge-offs | 191.5794% | 1,191 |
| Earnings coverage of net charge-offs (x) | 7.1640% | 2,901 |
| Efficiency ratio | 59.9305% | 5,482 |
| Assets per employee ($millions) | 7.8784% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0182% | 5,471 |
| Loan loss allowance to noncurrent loans | 56.5615% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 1.4691% | 2,534 |
| Noncurrent loans to loans | 1.8002% | 2,235 |
| Net loans and leases to total assets | 73.6357% | 1,413 |
| Net loans and leases to deposits | 86.4437% | 1,632 |
| Net loans and leases to core deposits | 103.0425% | 971 |
| Total domestic deposits to total assets | 85.1835% | 3,653 |
| Equity capital to assets | 9.2050% | 4,797 |
| Core capital (leverage) ratio | 9.4659% | 4,316 |
| Tier 1 risk-based capital ratio | 11.5089% | 5,900 |
| Total risk-based capital ratio | 12.7628% | 5,841 |
| Memoranda: | ||
| Average total assets | $1,116,696,000 | 590 |
| Average earning assets | $1,067,289,200 | 557 |
| Average equity | $99,876,600 | 708 |
| Average total loans | $791,453,600 | 529 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2755% | 3,092 |
| Cost of funding earning assets | 0.5492% | 3,270 |
| Net interest margin | 3.7263% | 2,932 |
| Noninterest income to average assets | 0.3815% | 4,666 |
| Noninterest expense to average assets | 2.3587% | 5,158 |
| Loan and lease loss provision to assets | 0.4637% | 603 |
| Net operating income to assets | 0.7684% | 3,515 |
| Return on assets (ROA) | 0.7668% | 3,654 |
| Pretax return on assets | 1.1199% | 3,018 |
| Return on Equity (ROE) | 8.6371% | 2,813 |
| Retained earnings to average equity (ytd only) | 8.6371% | 1,177 |
| Net charge-offs to loans | 0.4492% | 1,431 |
| Credit loss provision to net charge-offs | 147.5067% | 1,596 |
| Earnings coverage of net charge-offs (x) | 5.0453% | 3,296 |
| Efficiency ratio | 59.5965% | 5,483 |
| Assets per employee ($millions) | 8.3178% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9213% | 5,999 |
| Loan loss allowance to noncurrent loans | 50.6510% | 5,200 |
| Noncurrent assets plus other real estate owned to assets | 1.5228% | 2,647 |
| Noncurrent loans to loans | 1.8190% | 2,469 |
| Net loans and leases to total assets | 71.9038% | 1,609 |
| Net loans and leases to deposits | 83.1847% | 1,979 |
| Net loans and leases to core deposits | 98.2996% | 1,222 |
| Total domestic deposits to total assets | 86.4388% | 2,998 |
| Equity capital to assets | 9.0341% | 5,152 |
| Core capital (leverage) ratio | 9.3619% | 4,590 |
| Tier 1 risk-based capital ratio | 11.2864% | 6,156 |
| Total risk-based capital ratio | 12.4222% | 6,173 |
| Memoranda: | ||
| Average total assets | $1,114,218,000 | 594 |
| Average earning assets | $1,065,457,250 | 555 |
| Average equity | $98,919,750 | 721 |
| Average total loans | $779,787,000 | 534 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2805% | 3,037 |
| Cost of funding earning assets | 0.5618% | 3,289 |
| Net interest margin | 3.7187% | 2,886 |
| Noninterest income to average assets | 0.2509% | 5,652 |
| Noninterest expense to average assets | 2.3734% | 5,126 |
| Loan and lease loss provision to assets | 0.3734% | 872 |
| Net operating income to assets | 0.6700% | 3,961 |
| Return on assets (ROA) | 0.6677% | 4,132 |
| Pretax return on assets | 1.0708% | 3,216 |
| Return on Equity (ROE) | 7.5654% | 3,312 |
| Retained earnings to average equity (ytd only) | 7.5654% | 1,642 |
| Net charge-offs to loans | 0.6242% | 1,058 |
| Credit loss provision to net charge-offs | 86.5665% | 2,508 |
| Earnings coverage of net charge-offs (x) | 3.3563% | 3,416 |
| Efficiency ratio | 61.9084% | 5,185 |
| Assets per employee ($millions) | 8.9954% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7550% | 6,424 |
| Loan loss allowance to noncurrent loans | 43.2106% | 5,483 |
| Noncurrent assets plus other real estate owned to assets | 1.4109% | 2,989 |
| Noncurrent loans to loans | 1.7473% | 2,701 |
| Net loans and leases to total assets | 69.4158% | 1,993 |
| Net loans and leases to deposits | 80.4666% | 2,262 |
| Net loans and leases to core deposits | 99.8002% | 1,090 |
| Total domestic deposits to total assets | 86.2666% | 3,225 |
| Equity capital to assets | 8.8046% | 5,440 |
| Core capital (leverage) ratio | 9.2360% | 4,643 |
| Tier 1 risk-based capital ratio | 11.3389% | 6,179 |
| Total risk-based capital ratio | 12.3284% | 6,278 |
| Memoranda: | ||
| Average total assets | $1,111,324,000 | 597 |
| Average earning assets | $1,066,977,330 | 556 |
| Average equity | $98,078,330 | 730 |
| Average total loans | $768,077,330 | 542 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3547% | 2,675 |
| Cost of funding earning assets | 0.5376% | 3,699 |
| Net interest margin | 3.8171% | 2,387 |
| Noninterest income to average assets | 0.0583% | 6,704 |
| Noninterest expense to average assets | 2.3610% | 5,235 |
| Loan and lease loss provision to assets | 0.3983% | 776 |
| Net operating income to assets | 0.5937% | 4,250 |
| Return on assets (ROA) | 0.5891% | 4,422 |
| Pretax return on assets | 0.9602% | 3,524 |
| Return on Equity (ROE) | 6.6669% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.6669% | 2,333 |
| Net charge-offs to loans | 0.6235% | 976 |
| Credit loss provision to net charge-offs | 92.9839% | 1,972 |
| Earnings coverage of net charge-offs (x) | 3.1885% | 2,822 |
| Efficiency ratio | 63.3537% | 5,103 |
| Assets per employee ($millions) | 7.7593% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8079% | 6,446 |
| Loan loss allowance to noncurrent loans | 47.1055% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 1.4799% | 3,042 |
| Noncurrent loans to loans | 1.7152% | 2,971 |
| Net loans and leases to total assets | 71.3283% | 1,469 |
| Net loans and leases to deposits | 83.8041% | 1,620 |
| Net loans and leases to core deposits | 105.2870% | 667 |
| Total domestic deposits to total assets | 85.1131% | 3,982 |
| Equity capital to assets | 9.2520% | 5,193 |
| Core capital (leverage) ratio | 9.0682% | 4,776 |
| Tier 1 risk-based capital ratio | 11.5456% | 6,157 |
| Total risk-based capital ratio | 12.6051% | 6,231 |
| Memoranda: | ||
| Average total assets | $1,104,775,500 | 606 |
| Average earning assets | $1,061,747,500 | 565 |
| Average equity | $97,617,000 | 742 |
| Average total loans | $758,884,000 | 549 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1469% | 4,784 |
| Cost of funding earning assets | 0.7389% | 3,171 |
| Net interest margin | 3.4080% | 4,853 |
| Noninterest income to average assets | 0.1993% | 5,997 |
| Noninterest expense to average assets | 2.6450% | 4,583 |
| Loan and lease loss provision to assets | 0.4631% | 1,353 |
| Net operating income to assets | 0.2582% | 5,606 |
| Return on assets (ROA) | 0.2582% | 5,813 |
| Pretax return on assets | 0.3821% | 5,617 |
| Return on Equity (ROE) | 3.0070% | 5,552 |
| Retained earnings to average equity (ytd only) | 1.4173% | 5,165 |
| Net charge-offs to loans | 0.3784% | 2,738 |
| Credit loss provision to net charge-offs | 170.0422% | 1,557 |
| Earnings coverage of net charge-offs (x) | 3.1034% | 3,882 |
| Efficiency ratio | 75.7820% | 2,783 |
| Assets per employee ($millions) | 8.5562% | 394 |
| Cash dividends to net income (ytd only)* | 52.8659% | 2,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8309% | 6,427 |
| Loan loss allowance to noncurrent loans | 40.2572% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 1.6528% | 2,920 |
| Noncurrent loans to loans | 2.0641% | 2,619 |
| Net loans and leases to total assets | 65.1616% | 2,683 |
| Net loans and leases to deposits | 75.7867% | 2,831 |
| Net loans and leases to core deposits | 95.6518% | 1,336 |
| Total domestic deposits to total assets | 85.9802% | 3,368 |
| Equity capital to assets | 8.4501% | 6,083 |
| Core capital (leverage) ratio | 14.5338% | 665 |
| Tier 1 risk-based capital ratio | 11.2492% | 6,246 |
| Total risk-based capital ratio | 12.3101% | 6,293 |
| Memoranda: | ||
| Average total assets | $696,102,800 | 945 |
| Average earning assets | $672,210,400 | 895 |
| Average equity | $59,761,000 | 1,190 |
| Average total loans | $501,052,400 | 826 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8204% | 2,315 |
| Cost of funding earning assets | 0.8744% | 2,363 |
| Net interest margin | 3.9460% | 2,721 |
| Noninterest income to average assets | 0.1748% | 6,260 |
| Noninterest expense to average assets | 2.5695% | 4,848 |
| Loan and lease loss provision to assets | 0.5909% | 948 |
| Net operating income to assets | 0.5139% | 4,792 |
| Return on assets (ROA) | 0.5139% | 5,047 |
| Pretax return on assets | 0.8347% | 4,362 |
| Return on Equity (ROE) | 5.9401% | 4,359 |
| Retained earnings to average equity (ytd only) | 5.9401% | 2,737 |
| Net charge-offs to loans | 0.4137% | 2,435 |
| Credit loss provision to net charge-offs | 190.2870% | 1,455 |
| Earnings coverage of net charge-offs (x) | 4.5909% | 3,263 |
| Efficiency ratio | 64.3159% | 4,754 |
| Assets per employee ($millions) | 7.0071% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3329% | 4,662 |
| Loan loss allowance to noncurrent loans | 133.3189% | 2,525 |
| Noncurrent assets plus other real estate owned to assets | 1.0573% | 4,177 |
| Noncurrent loans to loans | 0.9998% | 4,451 |
| Net loans and leases to total assets | 76.5353% | 891 |
| Net loans and leases to deposits | 87.2816% | 1,441 |
| Net loans and leases to core deposits | 104.2537% | 855 |
| Total domestic deposits to total assets | 87.6877% | 2,234 |
| Equity capital to assets | 8.7204% | 6,089 |
| Core capital (leverage) ratio | 8.6475% | 5,557 |
| Tier 1 risk-based capital ratio | 9.8660% | 6,827 |
| Total risk-based capital ratio | 11.5822% | 6,690 |
| Memoranda: | ||
| Average total assets | $583,496,750 | 1,149 |
| Average earning assets | $564,918,250 | 1,077 |
| Average equity | $50,480,500 | 1,417 |
| Average total loans | $437,976,750 | 956 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7821% | 2,575 |
| Cost of funding earning assets | 0.8811% | 2,551 |
| Net interest margin | 3.9010% | 2,902 |
| Noninterest income to average assets | 0.1985% | 6,135 |
| Noninterest expense to average assets | 2.4650% | 5,245 |
| Loan and lease loss provision to assets | 0.7148% | 751 |
| Net operating income to assets | 0.4905% | 4,863 |
| Return on assets (ROA) | 0.4905% | 5,115 |
| Pretax return on assets | 0.7963% | 4,485 |
| Return on Equity (ROE) | 5.6846% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.6846% | 2,884 |
| Net charge-offs to loans | 0.5898% | 1,839 |
| Credit loss provision to net charge-offs | 163.3281% | 1,708 |
| Earnings coverage of net charge-offs (x) | 3.4527% | 3,369 |
| Efficiency ratio | 61.9965% | 5,245 |
| Assets per employee ($millions) | 6.8806% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 4,932 |
| Loan loss allowance to noncurrent loans | 101.5766% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 1.2569% | 3,909 |
| Noncurrent loans to loans | 1.2698% | 4,017 |
| Net loans and leases to total assets | 76.8410% | 860 |
| Net loans and leases to deposits | 97.8040% | 539 |
| Net loans and leases to core deposits | 118.3719% | 339 |
| Total domestic deposits to total assets | 78.5663% | 6,041 |
| Equity capital to assets | 8.9320% | 5,773 |
| Core capital (leverage) ratio | 8.7061% | 5,371 |
| Tier 1 risk-based capital ratio | 9.8975% | 6,850 |
| Total risk-based capital ratio | 11.6183% | 6,722 |
| Memoranda: | ||
| Average total assets | $579,462,330 | 1,157 |
| Average earning assets | $561,135,000 | 1,085 |
| Average equity | $49,994,330 | 1,419 |
| Average total loans | $429,968,330 | 974 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7006% | 3,055 |
| Cost of funding earning assets | 0.8705% | 2,912 |
| Net interest margin | 3.8301% | 3,244 |
| Noninterest income to average assets | 0.2323% | 5,964 |
| Noninterest expense to average assets | 2.2815% | 5,815 |
| Loan and lease loss provision to assets | 0.8368% | 563 |
| Net operating income to assets | 0.5120% | 4,772 |
| Return on assets (ROA) | 0.5120% | 4,987 |
| Pretax return on assets | 0.8320% | 4,292 |
| Return on Equity (ROE) | 6.0380% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.8925% | 3,022 |
| Net charge-offs to loans | 0.3757% | 2,177 |
| Credit loss provision to net charge-offs | 307.5567% | 960 |
| Earnings coverage of net charge-offs (x) | 6.1335% | 2,248 |
| Efficiency ratio | 57.7550% | 5,953 |
| Assets per employee ($millions) | 7.4131% | 619 |
| Cash dividends to net income (ytd only)* | 2.4096% | 2,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3528% | 4,793 |
| Loan loss allowance to noncurrent loans | 80.1086% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 1.2942% | 3,975 |
| Noncurrent loans to loans | 1.6888% | 3,578 |
| Net loans and leases to total assets | 69.0354% | 1,942 |
| Net loans and leases to deposits | 78.8974% | 2,353 |
| Net loans and leases to core deposits | 91.9601% | 1,653 |
| Total domestic deposits to total assets | 87.5001% | 2,652 |
| Equity capital to assets | 8.2078% | 6,353 |
| Core capital (leverage) ratio | 8.4979% | 5,598 |
| Tier 1 risk-based capital ratio | 10.0852% | 6,855 |
| Total risk-based capital ratio | 11.3351% | 6,851 |
| Memoranda: | ||
| Average total assets | $583,647,500 | 1,151 |
| Average earning assets | $566,562,500 | 1,077 |
| Average equity | $49,486,500 | 1,429 |
| Average total loans | $422,669,000 | 989 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 2,409 |
| Cost of funding earning assets | 1.0434% | 3,074 |
| Net interest margin | 4.0683% | 2,578 |
| Noninterest income to average assets | 0.1582% | 6,355 |
| Noninterest expense to average assets | 2.7568% | 4,523 |
| Loan and lease loss provision to assets | 0.4590% | 2,304 |
| Net operating income to assets | 0.5147% | 4,359 |
| Return on assets (ROA) | 0.5163% | 4,562 |
| Pretax return on assets | 0.8720% | 3,703 |
| Return on Equity (ROE) | 5.6836% | 4,034 |
| Retained earnings to average equity (ytd only) | 4.4669% | 2,991 |
| Net charge-offs to loans | 0.2184% | 4,423 |
| Credit loss provision to net charge-offs | 281.9853% | 842 |
| Earnings coverage of net charge-offs (x) | 8.1618% | 2,200 |
| Efficiency ratio | 67.4789% | 4,470 |
| Assets per employee ($millions) | 7.3608% | 612 |
| Cash dividends to net income (ytd only)* | 21.4065% | 3,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 5,511 |
| Loan loss allowance to noncurrent loans | 160.2339% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.6725% | 5,302 |
| Noncurrent loans to loans | 0.7330% | 5,231 |
| Net loans and leases to total assets | 74.1843% | 1,241 |
| Net loans and leases to deposits | 85.8504% | 1,685 |
| Net loans and leases to core deposits | 102.2900% | 1,002 |
| Total domestic deposits to total assets | 86.4112% | 3,069 |
| Equity capital to assets | 8.7733% | 5,824 |
| Core capital (leverage) ratio | 8.2282% | 5,953 |
| Tier 1 risk-based capital ratio | 9.6888% | 6,919 |
| Total risk-based capital ratio | 10.7916% | 6,946 |
| Memoranda: | ||
| Average total assets | $501,277,000 | 1,339 |
| Average earning assets | $483,890,400 | 1,262 |
| Average equity | $45,534,600 | 1,494 |
| Average total loans | $373,561,800 | 1,135 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1111% | 2,552 |
| Cost of funding earning assets | 1.0815% | 3,102 |
| Net interest margin | 4.0296% | 2,784 |
| Noninterest income to average assets | 0.1515% | 6,502 |
| Noninterest expense to average assets | 2.6803% | 4,801 |
| Loan and lease loss provision to assets | 0.4095% | 2,416 |
| Net operating income to assets | 0.5783% | 4,186 |
| Return on assets (ROA) | 0.5804% | 4,355 |
| Pretax return on assets | 0.9483% | 3,593 |
| Return on Equity (ROE) | 6.3278% | 3,858 |
| Retained earnings to average equity (ytd only) | 5.7963% | 2,677 |
| Net charge-offs to loans | 0.0972% | 5,013 |
| Credit loss provision to net charge-offs | 566.2879% | 485 |
| Earnings coverage of net charge-offs (x) | 18.7311% | 1,291 |
| Efficiency ratio | 66.4291% | 4,634 |
| Assets per employee ($millions) | 6.9736% | 744 |
| Cash dividends to net income (ytd only)* | 8.4003% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,526 |
| Loan loss allowance to noncurrent loans | 136.7436% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.8468% | 5,067 |
| Noncurrent loans to loans | 0.8669% | 5,130 |
| Net loans and leases to total assets | 74.5598% | 1,223 |
| Net loans and leases to deposits | 87.1003% | 1,541 |
| Net loans and leases to core deposits | 103.0969% | 1,032 |
| Total domestic deposits to total assets | 85.6022% | 3,444 |
| Equity capital to assets | 9.3618% | 5,285 |
| Core capital (leverage) ratio | 8.2901% | 5,991 |
| Tier 1 risk-based capital ratio | 10.1294% | 6,917 |
| Total risk-based capital ratio | 11.2308% | 6,945 |
| Memoranda: | ||
| Average total assets | $486,740,250 | 1,374 |
| Average earning assets | $469,087,500 | 1,308 |
| Average equity | $44,648,250 | 1,522 |
| Average total loans | $361,968,000 | 1,183 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1013% | 2,678 |
| Cost of funding earning assets | 1.1111% | 3,162 |
| Net interest margin | 3.9902% | 2,884 |
| Noninterest income to average assets | 0.1517% | 6,564 |
| Noninterest expense to average assets | 2.7338% | 4,685 |
| Loan and lease loss provision to assets | 0.3603% | 2,629 |
| Net operating income to assets | 0.5512% | 4,305 |
| Return on assets (ROA) | 0.5537% | 4,422 |
| Pretax return on assets | 0.9005% | 3,612 |
| Return on Equity (ROE) | 6.0820% | 3,924 |
| Retained earnings to average equity (ytd only) | 5.2581% | 2,833 |
| Net charge-offs to loans | 0.0667% | 4,971 |
| Credit loss provision to net charge-offs | 730.7692% | 444 |
| Earnings coverage of net charge-offs (x) | 25.4957% | 1,039 |
| Efficiency ratio | 68.5039% | 4,422 |
| Assets per employee ($millions) | 7.1769% | 667 |
| Cash dividends to net income (ytd only)* | 13.5464% | 3,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1206% | 5,872 |
| Loan loss allowance to noncurrent loans | 165.2844% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.6579% | 5,584 |
| Noncurrent loans to loans | 0.6780% | 5,548 |
| Net loans and leases to total assets | 68.6065% | 2,495 |
| Net loans and leases to deposits | 79.4024% | 2,908 |
| Net loans and leases to core deposits | 94.1915% | 1,876 |
| Total domestic deposits to total assets | 86.4036% | 3,099 |
| Equity capital to assets | 8.2045% | 6,509 |
| Core capital (leverage) ratio | 8.1429% | 6,109 |
| Tier 1 risk-based capital ratio | 9.6562% | 7,074 |
| Total risk-based capital ratio | 10.7089% | 7,113 |
| Memoranda: | ||
| Average total assets | $474,647,330 | 1,416 |
| Average earning assets | $456,668,330 | 1,343 |
| Average equity | $43,209,670 | 1,552 |
| Average total loans | $351,077,330 | 1,231 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2798% | 1,934 |
| Cost of funding earning assets | 1.1621% | 3,076 |
| Net interest margin | 4.1177% | 2,201 |
| Noninterest income to average assets | 0.1599% | 6,579 |
| Noninterest expense to average assets | 2.8543% | 4,248 |
| Loan and lease loss provision to assets | 0.2710% | 2,980 |
| Net operating income to assets | 0.6031% | 4,022 |
| Return on assets (ROA) | 0.6025% | 4,086 |
| Pretax return on assets | 0.9800% | 3,204 |
| Return on Equity (ROE) | 6.2433% | 3,758 |
| Retained earnings to average equity (ytd only) | 4.5772% | 3,434 |
| Net charge-offs to loans | 0.1259% | 3,765 |
| Credit loss provision to net charge-offs | 280.3738% | 1,133 |
| Earnings coverage of net charge-offs (x) | 12.9533% | 1,471 |
| Efficiency ratio | 69.5117% | 4,372 |
| Assets per employee ($millions) | 6.2666% | 1,043 |
| Cash dividends to net income (ytd only)* | 26.6867% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 6,251 |
| Loan loss allowance to noncurrent loans | 315.9722% | 982 |
| Noncurrent assets plus other real estate owned to assets | 1.0235% | 4,860 |
| Noncurrent loans to loans | 0.3291% | 6,334 |
| Net loans and leases to total assets | 76.7651% | 910 |
| Net loans and leases to deposits | 91.8810% | 1,031 |
| Net loans and leases to core deposits | 106.8313% | 901 |
| Total domestic deposits to total assets | 83.5484% | 4,679 |
| Equity capital to assets | 9.5517% | 4,368 |
| Core capital (leverage) ratio | 8.7122% | 5,069 |
| Tier 1 risk-based capital ratio | 10.0102% | 7,001 |
| Total risk-based capital ratio | 10.9715% | 7,098 |
| Memoranda: | ||
| Average total assets | $442,837,000 | 1,512 |
| Average earning assets | $424,407,000 | 1,449 |
| Average equity | $42,733,500 | 1,556 |
| Average total loans | $339,880,000 | 1,286 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1708% | 3,747 |
| Cost of funding earning assets | 1.4173% | 3,151 |
| Net interest margin | 3.7535% | 4,139 |
| Noninterest income to average assets | 0.1897% | 6,402 |
| Noninterest expense to average assets | 2.7564% | 4,758 |
| Loan and lease loss provision to assets | 0.4309% | 3,535 |
| Net operating income to assets | 0.3732% | 4,666 |
| Return on assets (ROA) | 0.3734% | 4,810 |
| Pretax return on assets | 0.6062% | 4,301 |
| Return on Equity (ROE) | 3.6153% | 4,691 |
| Retained earnings to average equity (ytd only) | 2.1993% | 4,349 |
| Net charge-offs to loans | 0.3907% | 4,083 |
| Credit loss provision to net charge-offs | 150.9939% | 2,389 |
| Earnings coverage of net charge-offs (x) | 3.6335% | 3,261 |
| Efficiency ratio | 72.6658% | 3,662 |
| Assets per employee ($millions) | 6.2968% | 1,038 |
| Cash dividends to net income (ytd only)* | 39.1678% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0453% | 6,173 |
| Loan loss allowance to noncurrent loans | 97.7041% | 2,944 |
| Noncurrent assets plus other real estate owned to assets | 1.0065% | 4,989 |
| Noncurrent loans to loans | 1.0699% | 4,945 |
| Net loans and leases to total assets | 75.1044% | 1,455 |
| Net loans and leases to deposits | 91.2437% | 1,363 |
| Net loans and leases to core deposits | 112.7430% | 782 |
| Total domestic deposits to total assets | 82.3119% | 5,087 |
| Equity capital to assets | 9.7519% | 4,050 |
| Core capital (leverage) ratio | 8.7536% | 4,935 |
| Tier 1 risk-based capital ratio | 10.4602% | 6,726 |
| Total risk-based capital ratio | 11.4286% | 6,865 |
| Memoranda: | ||
| Average total assets | $405,455,600 | 1,629 |
| Average earning assets | $389,261,600 | 1,546 |
| Average equity | $41,877,000 | 1,579 |
| Average total loans | $296,149,000 | 1,514 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1505% | 4,077 |
| Cost of funding earning assets | 1.4751% | 3,121 |
| Net interest margin | 3.6754% | 4,521 |
| Noninterest income to average assets | 0.1905% | 6,515 |
| Noninterest expense to average assets | 2.8119% | 4,435 |
| Loan and lease loss provision to assets | 0.3338% | 3,935 |
| Net operating income to assets | 0.3530% | 4,953 |
| Return on assets (ROA) | 0.3532% | 5,128 |
| Pretax return on assets | 0.5732% | 4,680 |
| Return on Equity (ROE) | 3.3689% | 5,068 |
| Retained earnings to average equity (ytd only) | 1.7659% | 5,084 |
| Net charge-offs to loans | 0.1580% | 5,050 |
| Credit loss provision to net charge-offs | 292.3754% | 1,096 |
| Earnings coverage of net charge-offs (x) | 7.9413% | 2,235 |
| Efficiency ratio | 75.6168% | 3,016 |
| Assets per employee ($millions) | 6.4895% | 972 |
| Cash dividends to net income (ytd only)* | 47.5832% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,706 |
| Loan loss allowance to noncurrent loans | 46.4191% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9642% | 3,519 |
| Noncurrent loans to loans | 2.4798% | 3,137 |
| Net loans and leases to total assets | 70.4322% | 2,630 |
| Net loans and leases to deposits | 85.9504% | 2,356 |
| Net loans and leases to core deposits | 107.2388% | 1,215 |
| Total domestic deposits to total assets | 81.9451% | 5,019 |
| Equity capital to assets | 9.9300% | 4,250 |
| Core capital (leverage) ratio | 9.1279% | 4,483 |
| Tier 1 risk-based capital ratio | 11.5365% | 5,895 |
| Total risk-based capital ratio | 12.6268% | 6,019 |
| Memoranda: | ||
| Average total assets | $398,200,000 | 1,681 |
| Average earning assets | $382,242,750 | 1,599 |
| Average equity | $41,753,750 | 1,585 |
| Average total loans | $287,746,500 | 1,570 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1109% | 4,393 |
| Cost of funding earning assets | 1.5194% | 3,136 |
| Net interest margin | 3.5916% | 4,853 |
| Noninterest income to average assets | 0.1865% | 6,567 |
| Noninterest expense to average assets | 2.7725% | 4,605 |
| Loan and lease loss provision to assets | 0.3617% | 3,539 |
| Net operating income to assets | 0.3066% | 5,151 |
| Return on assets (ROA) | 0.3066% | 5,306 |
| Pretax return on assets | 0.4967% | 4,909 |
| Return on Equity (ROE) | 2.8678% | 5,296 |
| Retained earnings to average equity (ytd only) | 2.8678% | 4,316 |
| Net charge-offs to loans | 0.2454% | 4,124 |
| Credit loss provision to net charge-offs | 202.8902% | 1,926 |
| Earnings coverage of net charge-offs (x) | 4.8150% | 2,831 |
| Efficiency ratio | 76.3587% | 3,007 |
| Assets per employee ($millions) | 6.4439% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 6,022 |
| Loan loss allowance to noncurrent loans | 38.3047% | 5,798 |
| Noncurrent assets plus other real estate owned to assets | 2.2043% | 3,251 |
| Noncurrent loans to loans | 2.8287% | 2,828 |
| Net loans and leases to total assets | 70.0290% | 2,891 |
| Net loans and leases to deposits | 85.8057% | 2,539 |
| Net loans and leases to core deposits | 102.1850% | 1,812 |
| Total domestic deposits to total assets | 81.6134% | 5,145 |
| Equity capital to assets | 10.1159% | 3,871 |
| Core capital (leverage) ratio | 9.6994% | 3,539 |
| Tier 1 risk-based capital ratio | 11.8766% | 5,421 |
| Total risk-based capital ratio | 12.9064% | 5,586 |
| Memoranda: | ||
| Average total assets | $388,163,330 | 1,736 |
| Average earning assets | $372,262,670 | 1,658 |
| Average equity | $41,494,670 | 1,588 |
| Average total loans | $281,935,000 | 1,622 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2648% | 3,709 |
| Cost of funding earning assets | 1.6384% | 2,720 |
| Net interest margin | 3.6264% | 4,590 |
| Noninterest income to average assets | 0.1631% | 6,808 |
| Noninterest expense to average assets | 2.7971% | 4,491 |
| Loan and lease loss provision to assets | 0.3938% | 3,007 |
| Net operating income to assets | 0.2757% | 5,396 |
| Return on assets (ROA) | 0.2757% | 5,523 |
| Pretax return on assets | 0.4442% | 5,149 |
| Return on Equity (ROE) | 2.5039% | 5,557 |
| Retained earnings to average equity (ytd only) | 2.5039% | 4,634 |
| Net charge-offs to loans | 0.3000% | 3,216 |
| Credit loss provision to net charge-offs | 178.1553% | 2,052 |
| Earnings coverage of net charge-offs (x) | 3.7913% | 2,784 |
| Efficiency ratio | 76.9481% | 3,066 |
| Assets per employee ($millions) | 6.5069% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0884% | 6,056 |
| Loan loss allowance to noncurrent loans | 103.7470% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 0.9756% | 5,199 |
| Noncurrent loans to loans | 1.0491% | 5,246 |
| Net loans and leases to total assets | 70.2500% | 2,866 |
| Net loans and leases to deposits | 87.3762% | 2,338 |
| Net loans and leases to core deposits | 106.5016% | 1,536 |
| Total domestic deposits to total assets | 80.3995% | 5,655 |
| Equity capital to assets | 10.6134% | 3,133 |
| Core capital (leverage) ratio | 9.8409% | 3,353 |
| Tier 1 risk-based capital ratio | 12.5811% | 4,658 |
| Total risk-based capital ratio | 13.6259% | 4,805 |
| Memoranda: | ||
| Average total assets | $372,817,500 | 1,837 |
| Average earning assets | $356,934,000 | 1,755 |
| Average equity | $41,056,500 | 1,626 |
| Average total loans | $274,636,000 | 1,707 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7837% | 2,728 |
| Cost of funding earning assets | 2.0680% | 2,640 |
| Net interest margin | 3.7156% | 4,063 |
| Noninterest income to average assets | 0.2178% | 6,554 |
| Noninterest expense to average assets | 3.1015% | 3,736 |
| Loan and lease loss provision to assets | 0.4627% | 4,056 |
| Net operating income to assets | 0.0157% | 5,442 |
| Return on assets (ROA) | 0.1820% | 5,028 |
| Pretax return on assets | 0.3497% | 4,643 |
| Return on Equity (ROE) | 1.7722% | 4,990 |
| Retained earnings to average equity (ytd only) | 1.7722% | 3,851 |
| Net charge-offs to loans | 0.3183% | 4,653 |
| Credit loss provision to net charge-offs | 188.4328% | 2,136 |
| Earnings coverage of net charge-offs (x) | 2.2500% | 4,032 |
| Efficiency ratio | 84.8796% | 2,249 |
| Assets per employee ($millions) | 6.0207% | 1,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0504% | 6,122 |
| Loan loss allowance to noncurrent loans | 92.3400% | 3,031 |
| Noncurrent assets plus other real estate owned to assets | 1.1244% | 4,841 |
| Noncurrent loans to loans | 1.1375% | 5,057 |
| Net loans and leases to total assets | 75.7645% | 1,862 |
| Net loans and leases to deposits | 96.5306% | 1,266 |
| Net loans and leases to core deposits | 163.7126% | 303 |
| Total domestic deposits to total assets | 78.4875% | 6,123 |
| Equity capital to assets | 11.4511% | 2,354 |
| Core capital (leverage) ratio | 10.7323% | 2,400 |
| Tier 1 risk-based capital ratio | 12.5983% | 4,446 |
| Total risk-based capital ratio | 13.5978% | 4,602 |
| Memoranda: | ||
| Average total assets | $327,421,400 | 2,069 |
| Average earning assets | $302,800,600 | 2,052 |
| Average equity | $33,630,600 | 1,997 |
| Average total loans | $252,564,000 | 1,876 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8544% | 2,649 |
| Cost of funding earning assets | 2.1677% | 2,566 |
| Net interest margin | 3.6867% | 4,127 |
| Noninterest income to average assets | 0.2284% | 6,589 |
| Noninterest expense to average assets | 3.1403% | 3,497 |
| Loan and lease loss provision to assets | 0.4839% | 3,484 |
| Net operating income to assets | -0.0108% | 5,726 |
| Return on assets (ROA) | 0.1003% | 5,510 |
| Pretax return on assets | 0.1564% | 5,393 |
| Return on Equity (ROE) | 1.0083% | 5,494 |
| Retained earnings to average equity (ytd only) | 1.0083% | 4,749 |
| Net charge-offs to loans | 0.4107% | 3,623 |
| Credit loss provision to net charge-offs | 152.4246% | 3,135 |
| Earnings coverage of net charge-offs (x) | 1.4705% | 4,686 |
| Efficiency ratio | 87.0588% | 1,958 |
| Assets per employee ($millions) | 6.0236% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9579% | 6,497 |
| Loan loss allowance to noncurrent loans | 117.2731% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 1.0435% | 4,992 |
| Noncurrent loans to loans | 0.8168% | 5,666 |
| Net loans and leases to total assets | 78.0380% | 1,560 |
| Net loans and leases to deposits | 96.5547% | 1,506 |
| Net loans and leases to core deposits | 158.4914% | 406 |
| Total domestic deposits to total assets | 80.8225% | 5,147 |
| Equity capital to assets | 9.9848% | 4,107 |
| Core capital (leverage) ratio | 8.8704% | 4,861 |
| Tier 1 risk-based capital ratio | 10.5098% | 6,460 |
| Total risk-based capital ratio | 11.4295% | 6,743 |
| Memoranda: | ||
| Average total assets | $320,471,250 | 2,122 |
| Average earning assets | $293,695,750 | 2,123 |
| Average equity | $31,869,000 | 2,122 |
| Average total loans | $247,707,750 | 1,931 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7873% | 3,114 |
| Cost of funding earning assets | 2.2016% | 2,786 |
| Net interest margin | 3.5857% | 4,427 |
| Noninterest income to average assets | 0.2344% | 6,604 |
| Noninterest expense to average assets | 3.1634% | 3,461 |
| Loan and lease loss provision to assets | 0.5838% | 2,694 |
| Net operating income to assets | -0.1460% | 6,098 |
| Return on assets (ROA) | 0.0235% | 5,856 |
| Pretax return on assets | 0.0368% | 5,801 |
| Return on Equity (ROE) | 0.2367% | 5,851 |
| Retained earnings to average equity (ytd only) | 0.2367% | 5,119 |
| Net charge-offs to loans | 0.5396% | 2,708 |
| Credit loss provision to net charge-offs | 140.9509% | 3,310 |
| Earnings coverage of net charge-offs (x) | 0.8589% | 4,894 |
| Efficiency ratio | 89.8917% | 1,828 |
| Assets per employee ($millions) | 5.7195% | 1,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 6,595 |
| Loan loss allowance to noncurrent loans | 112.1917% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 1.2978% | 4,349 |
| Noncurrent loans to loans | 0.8384% | 5,544 |
| Net loans and leases to total assets | 77.8831% | 1,767 |
| Net loans and leases to deposits | 103.5138% | 945 |
| Net loans and leases to core deposits | 175.2514% | 266 |
| Total domestic deposits to total assets | 75.2393% | 6,713 |
| Equity capital to assets | 10.2151% | 3,702 |
| Core capital (leverage) ratio | 9.1377% | 4,406 |
| Tier 1 risk-based capital ratio | 10.5226% | 6,359 |
| Total risk-based capital ratio | 11.4172% | 6,683 |
| Memoranda: | ||
| Average total assets | $314,854,000 | 2,171 |
| Average earning assets | $288,426,330 | 2,179 |
| Average equity | $31,265,000 | 2,165 |
| Average total loans | $241,681,670 | 1,994 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7779% | 3,412 |
| Cost of funding earning assets | 2.3458% | 2,522 |
| Net interest margin | 3.4322% | 5,002 |
| Noninterest income to average assets | 0.2328% | 6,603 |
| Noninterest expense to average assets | 3.3265% | 2,577 |
| Loan and lease loss provision to assets | 0.5471% | 2,283 |
| Net operating income to assets | -0.3588% | 6,744 |
| Return on assets (ROA) | 0.0026% | 6,396 |
| Pretax return on assets | 0.0039% | 6,365 |
| Return on Equity (ROE) | 0.0264% | 6,401 |
| Retained earnings to average equity (ytd only) | 0.0264% | 5,634 |
| Net charge-offs to loans | 0.1280% | 3,939 |
| Credit loss provision to net charge-offs | 564.0000% | 996 |
| Earnings coverage of net charge-offs (x) | 0.1200% | 4,881 |
| Efficiency ratio | 99.6513% | 1,144 |
| Assets per employee ($millions) | 5.8043% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0331% | 5,910 |
| Loan loss allowance to noncurrent loans | 84.5319% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 1.2054% | 4,260 |
| Noncurrent loans to loans | 1.2222% | 4,528 |
| Net loans and leases to total assets | 74.7770% | 2,561 |
| Net loans and leases to deposits | 96.7990% | 1,823 |
| Net loans and leases to core deposits | 161.8111% | 470 |
| Total domestic deposits to total assets | 77.2497% | 6,214 |
| Equity capital to assets | 10.4825% | 3,478 |
| Core capital (leverage) ratio | 9.3642% | 4,153 |
| Tier 1 risk-based capital ratio | 11.4377% | 5,470 |
| Total risk-based capital ratio | 12.4343% | 5,631 |
| Memoranda: | ||
| Average total assets | $309,276,500 | 2,220 |
| Average earning assets | $279,824,500 | 2,239 |
| Average equity | $30,246,500 | 2,251 |
| Average total loans | $234,364,000 | 2,062 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3357% | 3,758 |
| Cost of funding earning assets | 2.6519% | 3,415 |
| Net interest margin | 3.6838% | 4,532 |
| Noninterest income to average assets | 0.2967% | 6,338 |
| Noninterest expense to average assets | 3.4721% | 2,468 |
| Loan and lease loss provision to assets | 0.2216% | 4,670 |
| Net operating income to assets | 0.0063% | 6,351 |
| Return on assets (ROA) | 0.0722% | 6,025 |
| Pretax return on assets | 0.1194% | 5,906 |
| Return on Equity (ROE) | 0.7532% | 5,993 |
| Retained earnings to average equity (ytd only) | 0.7532% | 4,778 |
| Net charge-offs to loans | 0.2778% | 3,545 |
| Credit loss provision to net charge-offs | 105.2174% | 5,087 |
| Earnings coverage of net charge-offs (x) | 1.1304% | 5,561 |
| Efficiency ratio | 93.5821% | 1,298 |
| Assets per employee ($millions) | 5.4421% | 1,501 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9423% | 6,438 |
| Loan loss allowance to noncurrent loans | 84.6761% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.1616% | 3,942 |
| Noncurrent loans to loans | 1.1129% | 4,322 |
| Net loans and leases to total assets | 75.2971% | 2,806 |
| Net loans and leases to deposits | 97.8692% | 2,143 |
| Net loans and leases to core deposits | 169.5699% | 409 |
| Total domestic deposits to total assets | 76.9365% | 6,015 |
| Equity capital to assets | 9.0302% | 5,335 |
| Core capital (leverage) ratio | 7.6874% | 6,957 |
| Tier 1 risk-based capital ratio | 9.4321% | 7,382 |
| Total risk-based capital ratio | 10.3479% | 7,683 |
| Memoranda: | ||
| Average total assets | $272,975,600 | 2,361 |
| Average earning assets | $252,947,400 | 2,347 |
| Average equity | $26,155,800 | 2,543 |
| Average total loans | $206,950,400 | 2,228 |