Home > Avenue Bank > Performance and Condition Ratios
Avenue Bank, Performance and Condition Ratios
| 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 | 3.8157% | 3,898 |
| Cost of funding earning assets | 0.4758% | 2,309 |
| Net interest margin | 3.3399% | 4,090 |
| Noninterest income to average assets | 0.5316% | 2,997 |
| Noninterest expense to average assets | 2.4703% | 4,118 |
| Loan and lease loss provision to assets | 0.1682% | 1,324 |
| Net operating income to assets | 0.7099% | 3,742 |
| Return on assets (ROA) | 0.7409% | 3,756 |
| Pretax return on assets | 1.0671% | 3,334 |
| Return on Equity (ROE) | 7.5315% | 3,242 |
| Retained earnings to average equity (ytd only) | 6.0045% | 2,116 |
| Net charge-offs to loans | -0.0122% | 4,762 |
| Credit loss provision to net charge-offs | -1,768.4211% | 5,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4813% | 3,455 |
| Assets per employee ($millions) | 10.2015% | 267 |
| Cash dividends to net income (ytd only)* | 20.2748% | 3,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1328% | 3,767 |
| Loan loss allowance to noncurrent loans | 2,587.4419% | 257 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 5,444 |
| Noncurrent loans to loans | 0.0438% | 5,287 |
| Net loans and leases to total assets | 79.3187% | 1,017 |
| Net loans and leases to deposits | 100.3798% | 665 |
| Net loans and leases to core deposits | 140.6685% | 180 |
| Total domestic deposits to total assets | 79.0185% | 4,783 |
| Equity capital to assets | 9.8903% | 4,349 |
| Core capital (leverage) ratio | 9.8912% | 3,696 |
| Tier 1 risk-based capital ratio | 10.5235% | 5,663 |
| Total risk-based capital ratio | 11.5227% | 5,691 |
| Memoranda: | ||
| Average total assets | $1,198,225,670 | 612 |
| Average earning assets | $1,122,624,670 | 598 |
| Average equity | $117,879,000 | 681 |
| Average total loans | $936,497,330 | 537 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8395% | 3,811 |
| Cost of funding earning assets | 0.4664% | 2,414 |
| Net interest margin | 3.3731% | 3,965 |
| Noninterest income to average assets | 0.6351% | 2,345 |
| Noninterest expense to average assets | 2.5527% | 3,899 |
| Loan and lease loss provision to assets | 0.2612% | 659 |
| Net operating income to assets | 0.6330% | 4,046 |
| Return on assets (ROA) | 0.6831% | 3,914 |
| Pretax return on assets | 1.0563% | 3,251 |
| Return on Equity (ROE) | 6.9624% | 3,476 |
| Retained earnings to average equity (ytd only) | 6.4465% | 2,167 |
| Net charge-offs to loans | -0.0236% | 4,949 |
| Credit loss provision to net charge-offs | -1,433.3333% | 4,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2954% | 3,582 |
| Assets per employee ($millions) | 9.3419% | 352 |
| Cash dividends to net income (ytd only)* | 7.4111% | 2,759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 3,875 |
| Loan loss allowance to noncurrent loans | 2,514.7806% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 5,392 |
| Noncurrent loans to loans | 0.0450% | 5,314 |
| Net loans and leases to total assets | 78.9315% | 961 |
| Net loans and leases to deposits | 98.3603% | 734 |
| Net loans and leases to core deposits | 136.2277% | 207 |
| Total domestic deposits to total assets | 80.2473% | 4,693 |
| Equity capital to assets | 9.8195% | 4,315 |
| Core capital (leverage) ratio | 9.7723% | 3,813 |
| Tier 1 risk-based capital ratio | 10.5372% | 5,734 |
| Total risk-based capital ratio | 11.5307% | 5,764 |
| Memoranda: | ||
| Average total assets | $1,185,248,000 | 619 |
| Average earning assets | $1,109,721,000 | 602 |
| Average equity | $116,281,000 | 690 |
| Average total loans | $913,681,000 | 551 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7946% | 4,062 |
| Cost of funding earning assets | 0.3921% | 3,243 |
| Net interest margin | 3.4025% | 3,907 |
| Noninterest income to average assets | 0.6956% | 2,220 |
| Noninterest expense to average assets | 2.6194% | 3,854 |
| Loan and lease loss provision to assets | 0.1886% | 1,183 |
| Net operating income to assets | 0.7333% | 3,658 |
| Return on assets (ROA) | 0.7496% | 3,669 |
| Pretax return on assets | 1.1046% | 3,031 |
| Return on Equity (ROE) | 7.5034% | 3,248 |
| Retained earnings to average equity (ytd only) | 7.5034% | 1,097 |
| Net charge-offs to loans | 0.0613% | 3,004 |
| Credit loss provision to net charge-offs | 417.4897% | 733 |
| Earnings coverage of net charge-offs (x) | 28.1029% | 1,520 |
| Efficiency ratio | 67.3605% | 3,683 |
| Assets per employee ($millions) | 8.0155% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 3,689 |
| Loan loss allowance to noncurrent loans | 1,829.2727% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 5,255 |
| Noncurrent loans to loans | 0.0636% | 5,258 |
| Net loans and leases to total assets | 73.5816% | 1,795 |
| Net loans and leases to deposits | 88.1390% | 1,866 |
| Net loans and leases to core deposits | 124.1010% | 376 |
| Total domestic deposits to total assets | 83.4836% | 3,680 |
| Equity capital to assets | 9.8628% | 4,121 |
| Core capital (leverage) ratio | 10.1140% | 3,369 |
| Tier 1 risk-based capital ratio | 11.3043% | 5,374 |
| Total risk-based capital ratio | 12.3048% | 5,394 |
| Memoranda: | ||
| Average total assets | $1,076,101,200 | 653 |
| Average earning assets | $1,009,860,200 | 637 |
| Average equity | $107,498,400 | 716 |
| Average total loans | $793,279,400 | 588 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7828% | 4,149 |
| Cost of funding earning assets | 0.3886% | 3,345 |
| Net interest margin | 3.3942% | 3,985 |
| Noninterest income to average assets | 0.7055% | 2,204 |
| Noninterest expense to average assets | 2.6477% | 3,729 |
| Loan and lease loss provision to assets | 0.2051% | 968 |
| Net operating income to assets | 0.6963% | 3,916 |
| Return on assets (ROA) | 0.7161% | 3,938 |
| Pretax return on assets | 1.0686% | 3,336 |
| Return on Equity (ROE) | 7.1435% | 3,547 |
| Retained earnings to average equity (ytd only) | 7.1435% | 1,623 |
| Net charge-offs to loans | 0.0874% | 2,296 |
| Credit loss provision to net charge-offs | 319.2913% | 915 |
| Earnings coverage of net charge-offs (x) | 19.3700% | 1,942 |
| Efficiency ratio | 68.0333% | 3,533 |
| Assets per employee ($millions) | 7.8596% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1599% | 3,875 |
| Loan loss allowance to noncurrent loans | 3,028.9308% | 238 |
| Noncurrent assets plus other real estate owned to assets | 0.1182% | 5,275 |
| Noncurrent loans to loans | 0.0383% | 5,465 |
| Net loans and leases to total assets | 74.0674% | 1,722 |
| Net loans and leases to deposits | 91.0618% | 1,519 |
| Net loans and leases to core deposits | 128.1902% | 307 |
| Total domestic deposits to total assets | 81.3374% | 4,380 |
| Equity capital to assets | 10.1909% | 3,945 |
| Core capital (leverage) ratio | 10.2040% | 3,369 |
| Tier 1 risk-based capital ratio | 11.7041% | 5,265 |
| Total risk-based capital ratio | 12.7190% | 5,311 |
| Memoranda: | ||
| Average total assets | $1,054,564,250 | 668 |
| Average earning assets | $989,964,250 | 650 |
| Average equity | $105,715,500 | 737 |
| Average total loans | $775,283,750 | 604 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7425% | 4,268 |
| Cost of funding earning assets | 0.3845% | 3,430 |
| Net interest margin | 3.3579% | 4,064 |
| Noninterest income to average assets | 0.6808% | 2,294 |
| Noninterest expense to average assets | 2.6486% | 3,746 |
| Loan and lease loss provision to assets | 0.1947% | 1,021 |
| Net operating income to assets | 0.6636% | 4,062 |
| Return on assets (ROA) | 0.6914% | 4,043 |
| Pretax return on assets | 1.0329% | 3,445 |
| Return on Equity (ROE) | 6.9384% | 3,646 |
| Retained earnings to average equity (ytd only) | 6.9384% | 1,724 |
| Net charge-offs to loans | 0.0568% | 2,591 |
| Credit loss provision to net charge-offs | 469.3023% | 659 |
| Earnings coverage of net charge-offs (x) | 28.5953% | 1,411 |
| Efficiency ratio | 69.0698% | 3,480 |
| Assets per employee ($millions) | 7.4719% | 678 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1643% | 4,005 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.3239% | 4,585 |
| Noncurrent loans to loans | 0.0970% | 5,353 |
| Net loans and leases to total assets | 73.4692% | 1,746 |
| Net loans and leases to deposits | 92.7788% | 1,274 |
| Net loans and leases to core deposits | 133.8408% | 220 |
| Total domestic deposits to total assets | 79.1875% | 5,054 |
| Equity capital to assets | 10.1479% | 3,870 |
| Core capital (leverage) ratio | 10.4067% | 3,079 |
| Tier 1 risk-based capital ratio | 12.0040% | 5,149 |
| Total risk-based capital ratio | 13.0310% | 5,198 |
| Memoranda: | ||
| Average total assets | $1,036,685,000 | 679 |
| Average earning assets | $973,691,330 | 661 |
| Average equity | $103,308,670 | 757 |
| Average total loans | $756,895,670 | 615 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6935% | 4,385 |
| Cost of funding earning assets | 0.3851% | 3,465 |
| Net interest margin | 3.3084% | 4,181 |
| Noninterest income to average assets | 0.6245% | 2,526 |
| Noninterest expense to average assets | 2.6653% | 3,709 |
| Loan and lease loss provision to assets | 0.0606% | 2,719 |
| Net operating income to assets | 0.6717% | 3,942 |
| Return on assets (ROA) | 0.6717% | 4,063 |
| Pretax return on assets | 1.0108% | 3,454 |
| Return on Equity (ROE) | 6.8068% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.8068% | 2,094 |
| Net charge-offs to loans | 0.0011% | 3,272 |
| Credit loss provision to net charge-offs | 7,700.0000% | 44 |
| Earnings coverage of net charge-offs (x) | 1,362.0000% | 26 |
| Efficiency ratio | 71.3293% | 3,277 |
| Assets per employee ($millions) | 7.8526% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 4,230 |
| Loan loss allowance to noncurrent loans | 1,013.9181% | 530 |
| Noncurrent assets plus other real estate owned to assets | 0.3533% | 4,591 |
| Noncurrent loans to loans | 0.1140% | 5,354 |
| Net loans and leases to total assets | 71.4942% | 1,895 |
| Net loans and leases to deposits | 90.7493% | 1,318 |
| Net loans and leases to core deposits | 131.3115% | 230 |
| Total domestic deposits to total assets | 78.7821% | 5,299 |
| Equity capital to assets | 10.5277% | 3,503 |
| Core capital (leverage) ratio | 10.6434% | 2,799 |
| Tier 1 risk-based capital ratio | 12.6465% | 4,817 |
| Total risk-based capital ratio | 13.6785% | 4,868 |
| Memoranda: | ||
| Average total assets | $1,017,052,500 | 684 |
| Average earning assets | $956,703,500 | 672 |
| Average equity | $100,370,000 | 775 |
| Average total loans | $735,441,500 | 634 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6895% | 4,814 |
| Cost of funding earning assets | 0.4199% | 3,477 |
| Net interest margin | 3.2696% | 4,687 |
| Noninterest income to average assets | 0.5695% | 3,057 |
| Noninterest expense to average assets | 2.6158% | 4,160 |
| Loan and lease loss provision to assets | 0.1727% | 1,504 |
| Net operating income to assets | 0.5900% | 4,423 |
| Return on assets (ROA) | 0.5909% | 4,499 |
| Pretax return on assets | 0.8576% | 4,041 |
| Return on Equity (ROE) | 6.4477% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.4477% | 1,679 |
| Net charge-offs to loans | 0.0501% | 3,828 |
| Credit loss provision to net charge-offs | 499.3921% | 528 |
| Earnings coverage of net charge-offs (x) | 29.7629% | 1,344 |
| Efficiency ratio | 71.7680% | 3,243 |
| Assets per employee ($millions) | 7.5042% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1804% | 4,123 |
| Loan loss allowance to noncurrent loans | 1,223.8506% | 505 |
| Noncurrent assets plus other real estate owned to assets | 0.4080% | 4,461 |
| Noncurrent loans to loans | 0.0964% | 5,507 |
| Net loans and leases to total assets | 71.4510% | 2,005 |
| Net loans and leases to deposits | 86.6886% | 1,893 |
| Net loans and leases to core deposits | 124.9376% | 303 |
| Total domestic deposits to total assets | 82.4227% | 4,274 |
| Equity capital to assets | 9.1795% | 5,095 |
| Core capital (leverage) ratio | 9.2088% | 4,668 |
| Tier 1 risk-based capital ratio | 10.7756% | 6,002 |
| Total risk-based capital ratio | 11.8000% | 6,023 |
| Memoranda: | ||
| Average total assets | $951,605,800 | 704 |
| Average earning assets | $895,061,200 | 687 |
| Average equity | $87,209,600 | 849 |
| Average total loans | $657,155,000 | 662 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6963% | 4,875 |
| Cost of funding earning assets | 0.4265% | 3,505 |
| Net interest margin | 3.2698% | 4,722 |
| Noninterest income to average assets | 0.5947% | 2,909 |
| Noninterest expense to average assets | 2.6139% | 4,152 |
| Loan and lease loss provision to assets | 0.1684% | 1,467 |
| Net operating income to assets | 0.6116% | 4,391 |
| Return on assets (ROA) | 0.6128% | 4,474 |
| Pretax return on assets | 0.8915% | 4,027 |
| Return on Equity (ROE) | 6.6891% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.6891% | 1,987 |
| Net charge-offs to loans | -0.0033% | 5,234 |
| Credit loss provision to net charge-offs | -7,418.7500% | 6,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1836% | 3,310 |
| Assets per employee ($millions) | 7.6643% | 592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2771% | 3,768 |
| Loan loss allowance to noncurrent loans | 946.7342% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.2818% | 5,142 |
| Noncurrent loans to loans | 0.1349% | 5,521 |
| Net loans and leases to total assets | 66.7643% | 2,730 |
| Net loans and leases to deposits | 79.1382% | 2,824 |
| Net loans and leases to core deposits | 107.5814% | 869 |
| Total domestic deposits to total assets | 84.3641% | 3,609 |
| Equity capital to assets | 9.2055% | 5,142 |
| Core capital (leverage) ratio | 9.1564% | 4,841 |
| Tier 1 risk-based capital ratio | 11.3837% | 5,846 |
| Total risk-based capital ratio | 12.4864% | 5,843 |
| Memoranda: | ||
| Average total assets | $939,993,750 | 714 |
| Average earning assets | $884,644,500 | 695 |
| Average equity | $86,108,000 | 862 |
| Average total loans | $641,034,250 | 674 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6748% | 4,933 |
| Cost of funding earning assets | 0.4341% | 3,504 |
| Net interest margin | 3.2407% | 4,805 |
| Noninterest income to average assets | 0.4291% | 4,030 |
| Noninterest expense to average assets | 2.5857% | 4,289 |
| Loan and lease loss provision to assets | 0.3034% | 646 |
| Net operating income to assets | 0.4084% | 5,188 |
| Return on assets (ROA) | 0.4102% | 5,259 |
| Pretax return on assets | 0.5917% | 4,979 |
| Return on Equity (ROE) | 4.4854% | 4,926 |
| Retained earnings to average equity (ytd only) | 4.4854% | 3,321 |
| Net charge-offs to loans | -0.0038% | 5,138 |
| Credit loss provision to net charge-offs | -11,741.6667% | 5,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3407% | 2,915 |
| Assets per employee ($millions) | 7.7024% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 4,096 |
| Loan loss allowance to noncurrent loans | 961.5385% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 5,160 |
| Noncurrent loans to loans | 0.1309% | 5,613 |
| Net loans and leases to total assets | 70.8478% | 1,938 |
| Net loans and leases to deposits | 86.2229% | 1,800 |
| Net loans and leases to core deposits | 118.7662% | 407 |
| Total domestic deposits to total assets | 82.1682% | 4,590 |
| Equity capital to assets | 9.1682% | 5,140 |
| Core capital (leverage) ratio | 8.7835% | 5,287 |
| Tier 1 risk-based capital ratio | 10.6441% | 6,203 |
| Total risk-based capital ratio | 11.7726% | 6,189 |
| Memoranda: | ||
| Average total assets | $928,868,000 | 720 |
| Average earning assets | $873,943,000 | 700 |
| Average equity | $84,942,670 | 866 |
| Average total loans | $635,288,670 | 675 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6353% | 5,051 |
| Cost of funding earning assets | 0.4393% | 3,540 |
| Net interest margin | 3.1961% | 4,932 |
| Noninterest income to average assets | 0.4005% | 4,181 |
| Noninterest expense to average assets | 2.6156% | 4,221 |
| Loan and lease loss provision to assets | 0.3756% | 454 |
| Net operating income to assets | 0.2888% | 5,536 |
| Return on assets (ROA) | 0.2931% | 5,561 |
| Pretax return on assets | 0.4189% | 5,391 |
| Return on Equity (ROE) | 3.2093% | 5,383 |
| Retained earnings to average equity (ytd only) | 3.2093% | 4,194 |
| Net charge-offs to loans | -0.0039% | 4,778 |
| Credit loss provision to net charge-offs | -14,333.3333% | 5,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8382% | 2,666 |
| Assets per employee ($millions) | 7.7845% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,347 |
| Loan loss allowance to noncurrent loans | 1,377.1331% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 4,869 |
| Noncurrent loans to loans | 0.0913% | 5,851 |
| Net loans and leases to total assets | 67.3181% | 2,335 |
| Net loans and leases to deposits | 85.9071% | 1,613 |
| Net loans and leases to core deposits | 110.9300% | 555 |
| Total domestic deposits to total assets | 78.3615% | 5,775 |
| Equity capital to assets | 9.0088% | 5,110 |
| Core capital (leverage) ratio | 8.8086% | 5,254 |
| Tier 1 risk-based capital ratio | 10.7640% | 6,252 |
| Total risk-based capital ratio | 11.8595% | 6,271 |
| Memoranda: | ||
| Average total assets | $915,752,500 | 738 |
| Average earning assets | $860,554,500 | 713 |
| Average equity | $83,631,500 | 878 |
| Average total loans | $610,287,000 | 710 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5932% | 5,419 |
| Cost of funding earning assets | 0.4728% | 3,883 |
| Net interest margin | 3.1204% | 5,255 |
| Noninterest income to average assets | 0.6892% | 2,610 |
| Noninterest expense to average assets | 2.6810% | 4,160 |
| Loan and lease loss provision to assets | 0.1980% | 1,873 |
| Net operating income to assets | 0.4532% | 4,938 |
| Return on assets (ROA) | 0.4947% | 4,896 |
| Pretax return on assets | 0.7956% | 4,161 |
| Return on Equity (ROE) | 4.7492% | 4,747 |
| Retained earnings to average equity (ytd only) | 4.7492% | 2,773 |
| Net charge-offs to loans | 0.2104% | 2,781 |
| Credit loss provision to net charge-offs | 146.9557% | 1,586 |
| Earnings coverage of net charge-offs (x) | 6.8939% | 2,956 |
| Efficiency ratio | 74.2718% | 3,090 |
| Assets per employee ($millions) | 7.5388% | 589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2455% | 4,410 |
| Loan loss allowance to noncurrent loans | 1,221.0169% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 4,878 |
| Noncurrent loans to loans | 0.1020% | 5,907 |
| Net loans and leases to total assets | 64.2116% | 3,010 |
| Net loans and leases to deposits | 80.9306% | 2,330 |
| Net loans and leases to core deposits | 100.0674% | 1,156 |
| Total domestic deposits to total assets | 79.3416% | 5,593 |
| Equity capital to assets | 9.2636% | 4,728 |
| Core capital (leverage) ratio | 9.1155% | 4,835 |
| Tier 1 risk-based capital ratio | 11.4569% | 5,927 |
| Total risk-based capital ratio | 12.5123% | 5,984 |
| Memoranda: | ||
| Average total assets | $804,670,200 | 825 |
| Average earning assets | $753,118,800 | 802 |
| Average equity | $83,824,400 | 850 |
| Average total loans | $515,183,000 | 826 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5806% | 5,496 |
| Cost of funding earning assets | 0.4796% | 3,965 |
| Net interest margin | 3.1010% | 5,315 |
| Noninterest income to average assets | 0.7471% | 2,377 |
| Noninterest expense to average assets | 2.6967% | 4,029 |
| Loan and lease loss provision to assets | 0.1637% | 2,210 |
| Net operating income to assets | 0.5156% | 4,738 |
| Return on assets (ROA) | 0.5742% | 4,588 |
| Pretax return on assets | 0.8759% | 3,985 |
| Return on Equity (ROE) | 5.3440% | 4,539 |
| Retained earnings to average equity (ytd only) | 5.1191% | 2,992 |
| Net charge-offs to loans | 0.2414% | 2,364 |
| Credit loss provision to net charge-offs | 106.4159% | 2,203 |
| Earnings coverage of net charge-offs (x) | 6.1803% | 3,024 |
| Efficiency ratio | 73.9327% | 3,082 |
| Assets per employee ($millions) | 7.3100% | 639 |
| Cash dividends to net income (ytd only)* | 4.2087% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 4,389 |
| Loan loss allowance to noncurrent loans | 1,129.2642% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 4,552 |
| Noncurrent loans to loans | 0.1151% | 5,983 |
| Net loans and leases to total assets | 60.9768% | 3,526 |
| Net loans and leases to deposits | 76.3535% | 2,906 |
| Net loans and leases to core deposits | 99.1927% | 1,167 |
| Total domestic deposits to total assets | 79.8611% | 5,541 |
| Equity capital to assets | 9.9199% | 4,023 |
| Core capital (leverage) ratio | 9.5854% | 4,277 |
| Tier 1 risk-based capital ratio | 12.2325% | 5,618 |
| Total risk-based capital ratio | 13.2947% | 5,693 |
| Memoranda: | ||
| Average total assets | $783,443,500 | 859 |
| Average earning assets | $732,778,250 | 831 |
| Average equity | $84,178,750 | 852 |
| Average total loans | $499,374,750 | 849 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5884% | 5,473 |
| Cost of funding earning assets | 0.4878% | 4,014 |
| Net interest margin | 3.1006% | 5,278 |
| Noninterest income to average assets | 0.7347% | 2,476 |
| Noninterest expense to average assets | 2.6738% | 4,129 |
| Loan and lease loss provision to assets | 0.1936% | 1,963 |
| Net operating income to assets | 0.5141% | 4,743 |
| Return on assets (ROA) | 0.6055% | 4,432 |
| Pretax return on assets | 0.9022% | 3,905 |
| Return on Equity (ROE) | 5.4807% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.2557% | 2,887 |
| Net charge-offs to loans | 0.0999% | 3,366 |
| Credit loss provision to net charge-offs | 300.8130% | 849 |
| Earnings coverage of net charge-offs (x) | 14.9065% | 1,786 |
| Efficiency ratio | 73.5921% | 3,209 |
| Assets per employee ($millions) | 7.7224% | 508 |
| Cash dividends to net income (ytd only)* | 4.1054% | 3,428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4082% | 3,999 |
| Loan loss allowance to noncurrent loans | 254.6582% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.6905% | 4,494 |
| Noncurrent loans to loans | 0.5530% | 4,877 |
| Net loans and leases to total assets | 62.0723% | 3,273 |
| Net loans and leases to deposits | 75.4683% | 2,953 |
| Net loans and leases to core deposits | 98.4984% | 1,173 |
| Total domestic deposits to total assets | 82.2495% | 4,960 |
| Equity capital to assets | 10.1852% | 3,677 |
| Core capital (leverage) ratio | 9.9465% | 3,592 |
| Tier 1 risk-based capital ratio | 12.5722% | 5,451 |
| Total risk-based capital ratio | 13.7536% | 5,436 |
| Memoranda: | ||
| Average total assets | $764,373,670 | 883 |
| Average earning assets | $714,575,670 | 856 |
| Average equity | $84,441,000 | 847 |
| Average total loans | $492,714,330 | 859 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6149% | 5,414 |
| Cost of funding earning assets | 0.5004% | 4,082 |
| Net interest margin | 3.1145% | 5,211 |
| Noninterest income to average assets | 0.7518% | 2,329 |
| Noninterest expense to average assets | 2.7590% | 3,832 |
| Loan and lease loss provision to assets | 0.3314% | 1,012 |
| Net operating income to assets | 0.3996% | 5,132 |
| Return on assets (ROA) | 0.4706% | 4,982 |
| Pretax return on assets | 0.6719% | 4,700 |
| Return on Equity (ROE) | 4.0858% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.8656% | 3,920 |
| Net charge-offs to loans | 0.1877% | 2,283 |
| Credit loss provision to net charge-offs | 270.4846% | 870 |
| Earnings coverage of net charge-offs (x) | 7.3612% | 2,080 |
| Efficiency ratio | 75.3649% | 3,031 |
| Assets per employee ($millions) | 7.0329% | 758 |
| Cash dividends to net income (ytd only)* | 5.3899% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4163% | 4,155 |
| Loan loss allowance to noncurrent loans | 312.6711% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.7128% | 4,593 |
| Noncurrent loans to loans | 0.4530% | 5,288 |
| Net loans and leases to total assets | 64.8994% | 2,555 |
| Net loans and leases to deposits | 83.0878% | 1,694 |
| Net loans and leases to core deposits | 114.1002% | 386 |
| Total domestic deposits to total assets | 78.1095% | 6,101 |
| Equity capital to assets | 11.2766% | 2,654 |
| Core capital (leverage) ratio | 10.5606% | 2,697 |
| Tier 1 risk-based capital ratio | 13.0434% | 5,185 |
| Total risk-based capital ratio | 14.2486% | 5,169 |
| Memoranda: | ||
| Average total assets | $741,133,000 | 912 |
| Average earning assets | $692,250,500 | 886 |
| Average equity | $85,368,000 | 846 |
| Average total loans | $483,819,000 | 879 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 6,109 |
| Cost of funding earning assets | 0.7826% | 2,804 |
| Net interest margin | 2.8831% | 6,257 |
| Noninterest income to average assets | 0.8101% | 2,218 |
| Noninterest expense to average assets | 2.8445% | 3,860 |
| Loan and lease loss provision to assets | 0.2410% | 2,722 |
| Net operating income to assets | 0.2884% | 5,510 |
| Return on assets (ROA) | 0.4053% | 5,332 |
| Pretax return on assets | 0.5572% | 5,113 |
| Return on Equity (ROE) | 3.2714% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.7705% | 4,290 |
| Net charge-offs to loans | 0.3473% | 2,899 |
| Credit loss provision to net charge-offs | 109.8106% | 2,667 |
| Earnings coverage of net charge-offs (x) | 2.9073% | 3,973 |
| Efficiency ratio | 81.6806% | 1,917 |
| Assets per employee ($millions) | 6.6918% | 902 |
| Cash dividends to net income (ytd only)* | 15.3114% | 3,911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 4,007 |
| Loan loss allowance to noncurrent loans | 356.1170% | 1,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6665% | 4,813 |
| Noncurrent loans to loans | 0.4020% | 5,484 |
| Net loans and leases to total assets | 63.7757% | 2,937 |
| Net loans and leases to deposits | 78.0088% | 2,529 |
| Net loans and leases to core deposits | 100.9614% | 962 |
| Total domestic deposits to total assets | 81.7545% | 5,179 |
| Equity capital to assets | 11.7728% | 2,204 |
| Core capital (leverage) ratio | 10.9186% | 2,323 |
| Tier 1 risk-based capital ratio | 13.5773% | 4,693 |
| Total risk-based capital ratio | 14.7938% | 4,668 |
| Memoranda: | ||
| Average total assets | $673,538,200 | 972 |
| Average earning assets | $624,330,400 | 961 |
| Average equity | $83,450,800 | 840 |
| Average total loans | $425,586,600 | 983 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6966% | 6,224 |
| Cost of funding earning assets | 0.8483% | 2,553 |
| Net interest margin | 2.8483% | 6,439 |
| Noninterest income to average assets | 0.8453% | 2,057 |
| Noninterest expense to average assets | 2.7886% | 4,017 |
| Loan and lease loss provision to assets | 0.2162% | 2,900 |
| Net operating income to assets | 0.3644% | 5,392 |
| Return on assets (ROA) | 0.4507% | 5,279 |
| Pretax return on assets | 0.5904% | 5,195 |
| Return on Equity (ROE) | 3.5884% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.9928% | 4,758 |
| Net charge-offs to loans | 0.4748% | 2,196 |
| Credit loss provision to net charge-offs | 72.5304% | 3,837 |
| Earnings coverage of net charge-offs (x) | 2.3254% | 4,112 |
| Efficiency ratio | 80.0950% | 2,083 |
| Assets per employee ($millions) | 6.6032% | 905 |
| Cash dividends to net income (ytd only)* | 16.5994% | 3,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4636% | 4,098 |
| Loan loss allowance to noncurrent loans | 325.5962% | 1,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7339% | 4,847 |
| Noncurrent loans to loans | 0.4495% | 5,548 |
| Net loans and leases to total assets | 60.2332% | 3,731 |
| Net loans and leases to deposits | 75.8973% | 2,995 |
| Net loans and leases to core deposits | 97.5242% | 1,300 |
| Total domestic deposits to total assets | 79.3615% | 5,794 |
| Equity capital to assets | 12.3646% | 1,986 |
| Core capital (leverage) ratio | 10.9726% | 2,418 |
| Tier 1 risk-based capital ratio | 14.5650% | 4,143 |
| Total risk-based capital ratio | 15.7845% | 4,133 |
| Memoranda: | ||
| Average total assets | $661,244,250 | 997 |
| Average earning assets | $612,041,000 | 990 |
| Average equity | $83,042,500 | 848 |
| Average total loans | $415,080,500 | 1,011 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6876% | 6,352 |
| Cost of funding earning assets | 0.8522% | 2,781 |
| Net interest margin | 2.8353% | 6,525 |
| Noninterest income to average assets | 0.8028% | 2,163 |
| Noninterest expense to average assets | 2.7582% | 4,185 |
| Loan and lease loss provision to assets | 0.2831% | 2,310 |
| Net operating income to assets | 0.3036% | 5,607 |
| Return on assets (ROA) | 0.3992% | 5,449 |
| Pretax return on assets | 0.5052% | 5,427 |
| Return on Equity (ROE) | 3.1619% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.9022% | 4,703 |
| Net charge-offs to loans | 0.5548% | 1,925 |
| Credit loss provision to net charge-offs | 80.5580% | 3,306 |
| Earnings coverage of net charge-offs (x) | 1.8989% | 4,026 |
| Efficiency ratio | 80.5188% | 2,098 |
| Assets per employee ($millions) | 6.7133% | 848 |
| Cash dividends to net income (ytd only)* | 8.2118% | 3,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4925% | 4,045 |
| Loan loss allowance to noncurrent loans | 255.9466% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.8361% | 4,716 |
| Noncurrent loans to loans | 0.5831% | 5,343 |
| Net loans and leases to total assets | 62.2043% | 3,390 |
| Net loans and leases to deposits | 80.3031% | 2,341 |
| Net loans and leases to core deposits | 102.4786% | 951 |
| Total domestic deposits to total assets | 77.4618% | 6,253 |
| Equity capital to assets | 12.4279% | 1,862 |
| Core capital (leverage) ratio | 10.9511% | 2,350 |
| Tier 1 risk-based capital ratio | 14.5170% | 4,091 |
| Total risk-based capital ratio | 15.7676% | 4,053 |
| Memoranda: | ||
| Average total assets | $652,746,670 | 1,014 |
| Average earning assets | $603,815,330 | 998 |
| Average equity | $82,419,330 | 844 |
| Average total loans | $413,511,330 | 1,017 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6957% | 6,444 |
| Cost of funding earning assets | 0.8698% | 2,918 |
| Net interest margin | 2.8259% | 6,594 |
| Noninterest income to average assets | 0.6844% | 2,733 |
| Noninterest expense to average assets | 2.7526% | 4,229 |
| Loan and lease loss provision to assets | 0.3836% | 1,637 |
| Net operating income to assets | 0.1409% | 6,142 |
| Return on assets (ROA) | 0.2760% | 5,895 |
| Pretax return on assets | 0.3133% | 5,950 |
| Return on Equity (ROE) | 2.1682% | 6,015 |
| Retained earnings to average equity (ytd only) | 1.8752% | 5,307 |
| Net charge-offs to loans | 0.0225% | 4,366 |
| Credit loss provision to net charge-offs | 2,682.6087% | 114 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 773 |
| Efficiency ratio | 83.5157% | 1,736 |
| Assets per employee ($millions) | 6.9610% | 770 |
| Cash dividends to net income (ytd only)* | 13.5135% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7239% | 3,250 |
| Loan loss allowance to noncurrent loans | 256.7014% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9240% | 4,673 |
| Noncurrent loans to loans | 0.6716% | 5,312 |
| Net loans and leases to total assets | 61.5867% | 3,339 |
| Net loans and leases to deposits | 81.7062% | 1,973 |
| Net loans and leases to core deposits | 105.5284% | 692 |
| Total domestic deposits to total assets | 75.3757% | 6,604 |
| Equity capital to assets | 12.4500% | 1,751 |
| Core capital (leverage) ratio | 11.3666% | 1,991 |
| Tier 1 risk-based capital ratio | 14.4461% | 4,150 |
| Total risk-based capital ratio | 15.7002% | 4,109 |
| Memoranda: | ||
| Average total assets | $643,456,500 | 1,028 |
| Average earning assets | $594,632,500 | 1,012 |
| Average equity | $81,913,000 | 847 |
| Average total loans | $408,306,500 | 1,026 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9882% | 6,474 |
| Cost of funding earning assets | 1.0018% | 3,366 |
| Net interest margin | 2.9865% | 6,551 |
| Noninterest income to average assets | 0.5016% | 3,827 |
| Noninterest expense to average assets | 2.7284% | 4,628 |
| Loan and lease loss provision to assets | 0.1864% | 4,325 |
| Net operating income to assets | 2.2971% | 189 |
| Return on assets (ROA) | 2.3215% | 188 |
| Pretax return on assets | 0.3788% | 5,357 |
| Return on Equity (ROE) | 22.9225% | 160 |
| Retained earnings to average equity (ytd only) | 22.9225% | 31 |
| Net charge-offs to loans | 0.0533% | 5,787 |
| Credit loss provision to net charge-offs | 542.8571% | 421 |
| Earnings coverage of net charge-offs (x) | 15.7488% | 1,373 |
| Efficiency ratio | 83.4550% | 1,825 |
| Assets per employee ($millions) | 6.7271% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6285% | 3,470 |
| Loan loss allowance to noncurrent loans | 249.8093% | 1,324 |
| Noncurrent assets plus other real estate owned to assets | 1.0684% | 4,478 |
| Noncurrent loans to loans | 0.6519% | 5,397 |
| Net loans and leases to total assets | 63.2414% | 3,343 |
| Net loans and leases to deposits | 82.0150% | 2,194 |
| Net loans and leases to core deposits | 107.3601% | 737 |
| Total domestic deposits to total assets | 77.1095% | 6,324 |
| Equity capital to assets | 13.0262% | 1,472 |
| Core capital (leverage) ratio | 11.7586% | 1,732 |
| Tier 1 risk-based capital ratio | 15.0220% | 3,626 |
| Total risk-based capital ratio | 16.2738% | 3,587 |
| Memoranda: | ||
| Average total assets | $591,051,000 | 1,117 |
| Average earning assets | $547,735,200 | 1,087 |
| Average equity | $59,858,200 | 1,125 |
| Average total loans | $381,070,600 | 1,118 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 6,514 |
| Cost of funding earning assets | 1.0304% | 3,463 |
| Net interest margin | 3.0148% | 6,557 |
| Noninterest income to average assets | 0.4972% | 3,889 |
| Noninterest expense to average assets | 2.7487% | 4,537 |
| Loan and lease loss provision to assets | 0.1415% | 4,670 |
| Net operating income to assets | 0.4061% | 4,967 |
| Return on assets (ROA) | 0.4391% | 5,015 |
| Pretax return on assets | 0.4391% | 5,343 |
| Return on Equity (ROE) | 4.6966% | 4,662 |
| Retained earnings to average equity (ytd only) | 4.6966% | 3,378 |
| Net charge-offs to loans | 0.0933% | 5,042 |
| Credit loss provision to net charge-offs | 234.9810% | 1,208 |
| Earnings coverage of net charge-offs (x) | 9.0950% | 2,095 |
| Efficiency ratio | 83.3877% | 1,807 |
| Assets per employee ($millions) | 7.0755% | 715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 3,842 |
| Loan loss allowance to noncurrent loans | 201.8145% | 1,552 |
| Noncurrent assets plus other real estate owned to assets | 1.1928% | 4,404 |
| Noncurrent loans to loans | 0.7736% | 5,325 |
| Net loans and leases to total assets | 62.2339% | 3,660 |
| Net loans and leases to deposits | 80.4403% | 2,598 |
| Net loans and leases to core deposits | 107.2075% | 803 |
| Total domestic deposits to total assets | 77.3666% | 6,317 |
| Equity capital to assets | 11.7772% | 2,430 |
| Core capital (leverage) ratio | 11.4527% | 2,059 |
| Tier 1 risk-based capital ratio | 14.6472% | 3,869 |
| Total risk-based capital ratio | 15.8981% | 3,848 |
| Memoranda: | ||
| Average total assets | $582,408,250 | 1,131 |
| Average earning assets | $540,742,000 | 1,115 |
| Average equity | $54,449,000 | 1,248 |
| Average total loans | $375,787,750 | 1,143 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 6,597 |
| Cost of funding earning assets | 1.0525% | 3,583 |
| Net interest margin | 2.9879% | 6,628 |
| Noninterest income to average assets | 0.4821% | 4,004 |
| Noninterest expense to average assets | 2.8248% | 4,329 |
| Loan and lease loss provision to assets | 0.0617% | 5,530 |
| Net operating income to assets | 0.3727% | 5,072 |
| Return on assets (ROA) | 0.3737% | 5,210 |
| Pretax return on assets | 0.3737% | 5,473 |
| Return on Equity (ROE) | 4.4015% | 4,739 |
| Retained earnings to average equity (ytd only) | 4.4015% | 3,389 |
| Net charge-offs to loans | 0.0805% | 4,839 |
| Credit loss provision to net charge-offs | 118.0000% | 2,604 |
| Earnings coverage of net charge-offs (x) | 8.3067% | 2,083 |
| Efficiency ratio | 86.6724% | 1,535 |
| Assets per employee ($millions) | 6.5739% | 894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 4,032 |
| Loan loss allowance to noncurrent loans | 157.1982% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 1.3934% | 4,137 |
| Noncurrent loans to loans | 0.9672% | 5,052 |
| Net loans and leases to total assets | 64.3068% | 3,395 |
| Net loans and leases to deposits | 79.8863% | 2,819 |
| Net loans and leases to core deposits | 109.8297% | 727 |
| Total domestic deposits to total assets | 80.4980% | 5,679 |
| Equity capital to assets | 8.8228% | 5,793 |
| Core capital (leverage) ratio | 8.5522% | 5,470 |
| Tier 1 risk-based capital ratio | 11.0300% | 6,504 |
| Total risk-based capital ratio | 12.2805% | 6,488 |
| Memoranda: | ||
| Average total assets | $573,714,330 | 1,164 |
| Average earning assets | $533,210,000 | 1,143 |
| Average equity | $48,711,000 | 1,387 |
| Average total loans | $372,819,330 | 1,167 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9811% | 6,726 |
| Cost of funding earning assets | 1.0798% | 3,657 |
| Net interest margin | 2.9014% | 6,760 |
| Noninterest income to average assets | 0.4601% | 4,187 |
| Noninterest expense to average assets | 2.8680% | 4,202 |
| Loan and lease loss provision to assets | -0.0543% | 7,474 |
| Net operating income to assets | 0.3418% | 5,213 |
| Return on assets (ROA) | 0.3418% | 5,294 |
| Pretax return on assets | 0.3418% | 5,533 |
| Return on Equity (ROE) | 4.1057% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.1057% | 3,698 |
| Net charge-offs to loans | -0.1289% | 7,155 |
| Credit loss provision to net charge-offs | 65.0000% | 3,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8890% | 1,250 |
| Assets per employee ($millions) | 6.9213% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5581% | 3,926 |
| Loan loss allowance to noncurrent loans | 132.3030% | 2,219 |
| Noncurrent assets plus other real estate owned to assets | 1.6817% | 3,730 |
| Noncurrent loans to loans | 1.1777% | 4,722 |
| Net loans and leases to total assets | 64.1584% | 3,409 |
| Net loans and leases to deposits | 79.6055% | 2,789 |
| Net loans and leases to core deposits | 106.4122% | 918 |
| Total domestic deposits to total assets | 80.5955% | 5,791 |
| Equity capital to assets | 8.6111% | 5,761 |
| Core capital (leverage) ratio | 8.3441% | 5,721 |
| Tier 1 risk-based capital ratio | 11.0077% | 6,505 |
| Total risk-based capital ratio | 12.2587% | 6,487 |
| Memoranda: | ||
| Average total assets | $574,606,500 | 1,172 |
| Average earning assets | $533,816,500 | 1,147 |
| Average equity | $47,836,500 | 1,397 |
| Average total loans | $372,495,000 | 1,188 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0349% | 7,107 |
| Cost of funding earning assets | 1.2616% | 4,133 |
| Net interest margin | 2.7733% | 7,060 |
| Noninterest income to average assets | 0.3386% | 5,367 |
| Noninterest expense to average assets | 2.7958% | 4,626 |
| Loan and lease loss provision to assets | 0.4187% | 3,596 |
| Net operating income to assets | -0.3364% | 6,250 |
| Return on assets (ROA) | 0.1209% | 5,680 |
| Pretax return on assets | 0.1209% | 5,663 |
| Return on Equity (ROE) | 1.3047% | 5,622 |
| Retained earnings to average equity (ytd only) | 1.3047% | 4,896 |
| Net charge-offs to loans | 0.5143% | 3,561 |
| Credit loss provision to net charge-offs | 121.8938% | 3,440 |
| Earnings coverage of net charge-offs (x) | 0.2397% | 5,870 |
| Efficiency ratio | 97.1386% | 911 |
| Assets per employee ($millions) | 7.1779% | 683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 4,069 |
| Loan loss allowance to noncurrent loans | 114.9278% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 1.6472% | 3,829 |
| Noncurrent loans to loans | 1.2953% | 4,549 |
| Net loans and leases to total assets | 63.5347% | 3,966 |
| Net loans and leases to deposits | 77.8288% | 3,538 |
| Net loans and leases to core deposits | 107.3096% | 1,100 |
| Total domestic deposits to total assets | 81.6339% | 5,313 |
| Equity capital to assets | 8.0526% | 6,440 |
| Core capital (leverage) ratio | 8.1732% | 5,868 |
| Tier 1 risk-based capital ratio | 10.6881% | 6,580 |
| Total risk-based capital ratio | 11.9382% | 6,550 |
| Memoranda: | ||
| Average total assets | $531,836,800 | 1,259 |
| Average earning assets | $486,997,000 | 1,267 |
| Average equity | $49,284,200 | 1,356 |
| Average total loans | $355,264,000 | 1,261 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 7,190 |
| Cost of funding earning assets | 1.2569% | 4,521 |
| Net interest margin | 2.8546% | 7,072 |
| Noninterest income to average assets | 0.3441% | 5,417 |
| Noninterest expense to average assets | 2.8137% | 4,425 |
| Loan and lease loss provision to assets | 0.5190% | 2,858 |
| Net operating income to assets | -0.3871% | 6,509 |
| Return on assets (ROA) | 0.1654% | 5,758 |
| Pretax return on assets | 0.1654% | 5,803 |
| Return on Equity (ROE) | 1.7204% | 5,699 |
| Retained earnings to average equity (ytd only) | 1.7204% | 5,103 |
| Net charge-offs to loans | 0.5384% | 3,148 |
| Credit loss provision to net charge-offs | 142.9078% | 2,751 |
| Earnings coverage of net charge-offs (x) | 0.3631% | 5,665 |
| Efficiency ratio | 95.5229% | 926 |
| Assets per employee ($millions) | 7.5059% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5712% | 3,655 |
| Loan loss allowance to noncurrent loans | 103.0804% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 1.9455% | 3,544 |
| Noncurrent loans to loans | 1.5243% | 4,351 |
| Net loans and leases to total assets | 63.4744% | 4,226 |
| Net loans and leases to deposits | 80.0249% | 3,447 |
| Net loans and leases to core deposits | 120.8806% | 583 |
| Total domestic deposits to total assets | 79.3183% | 5,927 |
| Equity capital to assets | 8.6822% | 6,045 |
| Core capital (leverage) ratio | 8.7809% | 5,048 |
| Tier 1 risk-based capital ratio | 10.9178% | 6,445 |
| Total risk-based capital ratio | 12.1693% | 6,425 |
| Memoranda: | ||
| Average total assets | $517,648,500 | 1,300 |
| Average earning assets | $471,743,500 | 1,315 |
| Average equity | $49,756,000 | 1,350 |
| Average total loans | $349,177,500 | 1,299 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1895% | 7,184 |
| Cost of funding earning assets | 1.2658% | 4,739 |
| Net interest margin | 2.9237% | 6,980 |
| Noninterest income to average assets | 0.4189% | 4,766 |
| Noninterest expense to average assets | 2.9561% | 3,869 |
| Loan and lease loss provision to assets | 0.4012% | 3,316 |
| Net operating income to assets | -0.2524% | 6,416 |
| Return on assets (ROA) | 0.1150% | 5,928 |
| Pretax return on assets | 0.1150% | 5,947 |
| Return on Equity (ROE) | 1.1529% | 5,901 |
| Retained earnings to average equity (ytd only) | 1.1529% | 5,292 |
| Net charge-offs to loans | 0.6422% | 2,615 |
| Credit loss provision to net charge-offs | 91.0584% | 4,388 |
| Earnings coverage of net charge-offs (x) | 0.3376% | 5,387 |
| Efficiency ratio | 95.2097% | 999 |
| Assets per employee ($millions) | 6.5272% | 943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4416% | 4,223 |
| Loan loss allowance to noncurrent loans | 107.9614% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 2.1288% | 3,338 |
| Noncurrent loans to loans | 1.3353% | 4,718 |
| Net loans and leases to total assets | 68.3204% | 3,283 |
| Net loans and leases to deposits | 88.1349% | 2,151 |
| Net loans and leases to core deposits | 134.8862% | 347 |
| Total domestic deposits to total assets | 77.5180% | 6,390 |
| Equity capital to assets | 9.7815% | 4,295 |
| Core capital (leverage) ratio | 9.2434% | 4,225 |
| Tier 1 risk-based capital ratio | 11.2967% | 5,943 |
| Total risk-based capital ratio | 12.5468% | 5,933 |
| Memoranda: | ||
| Average total assets | $497,547,670 | 1,365 |
| Average earning assets | $457,092,000 | 1,357 |
| Average equity | $49,615,000 | 1,349 |
| Average total loans | $341,334,330 | 1,338 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2217% | 7,232 |
| Cost of funding earning assets | 1.3226% | 4,673 |
| Net interest margin | 2.8991% | 7,023 |
| Noninterest income to average assets | 0.4020% | 4,901 |
| Noninterest expense to average assets | 2.9257% | 3,965 |
| Loan and lease loss provision to assets | 0.4323% | 2,794 |
| Net operating income to assets | -0.2817% | 6,646 |
| Return on assets (ROA) | 0.1417% | 6,011 |
| Pretax return on assets | 0.1417% | 6,037 |
| Return on Equity (ROE) | 1.4064% | 5,994 |
| Retained earnings to average equity (ytd only) | 1.4064% | 5,241 |
| Net charge-offs to loans | 0.7129% | 2,071 |
| Credit loss provision to net charge-offs | 88.8889% | 3,683 |
| Earnings coverage of net charge-offs (x) | 0.3098% | 4,765 |
| Efficiency ratio | 95.1025% | 1,072 |
| Assets per employee ($millions) | 6.0019% | 1,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5436% | 3,683 |
| Loan loss allowance to noncurrent loans | 75.2103% | 3,622 |
| Noncurrent assets plus other real estate owned to assets | 2.3582% | 3,079 |
| Noncurrent loans to loans | 2.0524% | 3,716 |
| Net loans and leases to total assets | 67.1975% | 3,579 |
| Net loans and leases to deposits | 86.2093% | 2,545 |
| Net loans and leases to core deposits | 130.1670% | 493 |
| Total domestic deposits to total assets | 77.9469% | 6,326 |
| Equity capital to assets | 10.0427% | 3,809 |
| Core capital (leverage) ratio | 9.4518% | 3,848 |
| Tier 1 risk-based capital ratio | 11.9609% | 5,238 |
| Total risk-based capital ratio | 13.2120% | 5,197 |
| Memoranda: | ||
| Average total assets | $488,497,500 | 1,435 |
| Average earning assets | $450,621,500 | 1,405 |
| Average equity | $49,203,500 | 1,364 |
| Average total loans | $333,278,500 | 1,407 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9298% | 7,722 |
| Cost of funding earning assets | 1.5804% | 5,125 |
| Net interest margin | 2.3494% | 7,545 |
| Noninterest income to average assets | 0.4895% | 4,491 |
| Noninterest expense to average assets | 3.0207% | 4,068 |
| Loan and lease loss provision to assets | 1.1019% | 2,070 |
| Net operating income to assets | -1.4661% | 6,836 |
| Return on assets (ROA) | -1.2430% | 6,736 |
| Pretax return on assets | -1.2430% | 6,568 |
| Return on Equity (ROE) | -10.8087% | 6,681 |
| Retained earnings to average equity (ytd only) | -10.8087% | 6,579 |
| Net charge-offs to loans | 1.2754% | 1,945 |
| Credit loss provision to net charge-offs | 130.4789% | 3,904 |
| Earnings coverage of net charge-offs (x) | -0.4313% | 6,652 |
| Efficiency ratio | 113.7101% | 717 |
| Assets per employee ($millions) | 6.2966% | 1,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5881% | 3,331 |
| Loan loss allowance to noncurrent loans | 181.3817% | 1,618 |
| Noncurrent assets plus other real estate owned to assets | 1.5442% | 4,060 |
| Noncurrent loans to loans | 0.8755% | 5,551 |
| Net loans and leases to total assets | 67.1160% | 3,896 |
| Net loans and leases to deposits | 87.2492% | 2,690 |
| Net loans and leases to core deposits | 133.8391% | 1,061 |
| Total domestic deposits to total assets | 76.9244% | 6,501 |
| Equity capital to assets | 10.1026% | 3,613 |
| Core capital (leverage) ratio | 9.7083% | 3,443 |
| Tier 1 risk-based capital ratio | 12.1696% | 4,800 |
| Total risk-based capital ratio | 13.4211% | 4,763 |
| Memoranda: | ||
| Average total assets | $454,957,400 | 1,522 |
| Average earning assets | $419,635,400 | 1,508 |
| Average equity | $52,318,800 | 1,272 |
| Average total loans | $301,250,000 | 1,592 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8144% | 7,861 |
| Cost of funding earning assets | 1.6587% | 5,114 |
| Net interest margin | 2.1556% | 7,732 |
| Noninterest income to average assets | 0.5149% | 4,367 |
| Noninterest expense to average assets | 3.0454% | 3,857 |
| Loan and lease loss provision to assets | 1.2431% | 1,558 |
| Net operating income to assets | -1.7856% | 7,231 |
| Return on assets (ROA) | -1.6167% | 7,163 |
| Pretax return on assets | -1.6167% | 7,020 |
| Return on Equity (ROE) | -13.6106% | 7,112 |
| Retained earnings to average equity (ytd only) | -13.6106% | 7,050 |
| Net charge-offs to loans | 0.4473% | 3,441 |
| Credit loss provision to net charge-offs | 423.1237% | 940 |
| Earnings coverage of net charge-offs (x) | -1.8469% | 6,728 |
| Efficiency ratio | 121.6786% | 567 |
| Assets per employee ($millions) | 6.3150% | 1,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3529% | 1,230 |
| Loan loss allowance to noncurrent loans | 75.6402% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 2.3534% | 2,928 |
| Noncurrent loans to loans | 3.1107% | 2,427 |
| Net loans and leases to total assets | 62.8297% | 5,103 |
| Net loans and leases to deposits | 86.1729% | 3,281 |
| Net loans and leases to core deposits | 134.4559% | 1,182 |
| Total domestic deposits to total assets | 72.9112% | 7,095 |
| Equity capital to assets | 10.5389% | 3,470 |
| Core capital (leverage) ratio | 9.9901% | 3,295 |
| Tier 1 risk-based capital ratio | 13.2471% | 4,019 |
| Total risk-based capital ratio | 14.5075% | 3,961 |
| Memoranda: | ||
| Average total assets | $447,487,500 | 1,561 |
| Average earning assets | $412,673,000 | 1,548 |
| Average equity | $53,153,250 | 1,259 |
| Average total loans | $293,899,000 | 1,651 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7545% | 7,982 |
| Cost of funding earning assets | 1.7625% | 4,942 |
| Net interest margin | 1.9920% | 7,869 |
| Noninterest income to average assets | 0.5890% | 3,777 |
| Noninterest expense to average assets | 3.0769% | 3,788 |
| Loan and lease loss provision to assets | 0.6389% | 2,513 |
| Net operating income to assets | -1.2902% | 7,157 |
| Return on assets (ROA) | -1.2201% | 7,129 |
| Pretax return on assets | -1.2201% | 6,952 |
| Return on Equity (ROE) | -9.8647% | 7,022 |
| Retained earnings to average equity (ytd only) | -9.8647% | 6,861 |
| Net charge-offs to loans | 0.6417% | 2,432 |
| Credit loss provision to net charge-offs | 150.4854% | 3,059 |
| Earnings coverage of net charge-offs (x) | -1.5340% | 6,316 |
| Efficiency ratio | 126.8505% | 555 |
| Assets per employee ($millions) | 6.2676% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 2,933 |
| Loan loss allowance to noncurrent loans | 129.3883% | 2,271 |
| Noncurrent assets plus other real estate owned to assets | 1.1962% | 4,546 |
| Noncurrent loans to loans | 1.2010% | 4,812 |
| Net loans and leases to total assets | 62.9726% | 5,191 |
| Net loans and leases to deposits | 82.3942% | 4,160 |
| Net loans and leases to core deposits | 133.6928% | 1,331 |
| Total domestic deposits to total assets | 76.4285% | 6,458 |
| Equity capital to assets | 11.4169% | 2,591 |
| Core capital (leverage) ratio | 10.9092% | 2,477 |
| Tier 1 risk-based capital ratio | 14.8129% | 3,098 |
| Total risk-based capital ratio | 16.0644% | 3,032 |
| Memoranda: | ||
| Average total assets | $436,671,000 | 1,620 |
| Average earning assets | $402,613,000 | 1,609 |
| Average equity | $54,011,000 | 1,244 |
| Average total loans | $288,929,000 | 1,708 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6094% | 8,083 |
| Cost of funding earning assets | 1.8786% | 4,745 |
| Net interest margin | 1.7308% | 7,995 |
| Noninterest income to average assets | 0.7461% | 2,625 |
| Noninterest expense to average assets | 3.0114% | 3,714 |
| Loan and lease loss provision to assets | 0.9816% | 1,321 |
| Net operating income to assets | -1.6535% | 7,560 |
| Return on assets (ROA) | -1.3711% | 7,463 |
| Pretax return on assets | -1.3711% | 7,328 |
| Return on Equity (ROE) | -10.6451% | 7,404 |
| Retained earnings to average equity (ytd only) | -10.6451% | 7,168 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.7204% | 511 |
| Assets per employee ($millions) | 6.4781% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7861% | 1,883 |
| Loan loss allowance to noncurrent loans | 2,697.8947% | 179 |
| Noncurrent assets plus other real estate owned to assets | 0.4331% | 6,205 |
| Noncurrent loans to loans | 0.0662% | 7,335 |
| Net loans and leases to total assets | 62.1587% | 5,293 |
| Net loans and leases to deposits | 93.5411% | 2,355 |
| Net loans and leases to core deposits | 111.6604% | 3,243 |
| Total domestic deposits to total assets | 66.4507% | 7,704 |
| Equity capital to assets | 11.9730% | 2,281 |
| Core capital (leverage) ratio | 12.0422% | 1,880 |
| Tier 1 risk-based capital ratio | 15.3885% | 2,898 |
| Total risk-based capital ratio | 16.6423% | 2,830 |
| Memoranda: | ||
| Average total assets | $426,240,500 | 1,673 |
| Average earning assets | $392,416,000 | 1,668 |
| Average equity | $54,898,500 | 1,237 |
| Average total loans | $287,059,500 | 1,729 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9722% | 7,853 |
| Cost of funding earning assets | 2.4405% | 4,525 |
| Net interest margin | 2.5316% | 7,718 |
| Noninterest income to average assets | 0.7590% | 2,730 |
| Noninterest expense to average assets | 4.7191% | 755 |
| Loan and lease loss provision to assets | 2.9020% | 321 |
| Net operating income to assets | -4.5950% | 8,054 |
| Return on assets (ROA) | -4.5660% | 8,041 |
| Pretax return on assets | -4.5660% | 7,972 |
| Return on Equity (ROE) | -20.9177% | 7,781 |
| Retained earnings to average equity (ytd only) | -20.9177% | 7,703 |
| Net charge-offs to loans | 2.7300% | 342 |
| Credit loss provision to net charge-offs | 150.5754% | 3,482 |
| Earnings coverage of net charge-offs (x) | -0.8784% | 6,574 |
| Efficiency ratio | 154.9882% | 329 |
| Assets per employee ($millions) | 4.8074% | 2,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4210% | 3,082 |
| Loan loss allowance to noncurrent loans | 1,478.2609% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.4809% | 5,773 |
| Noncurrent loans to loans | 0.0961% | 7,128 |
| Net loans and leases to total assets | 70.9359% | 3,801 |
| Net loans and leases to deposits | 101.1222% | 1,692 |
| Net loans and leases to core deposits | 125.1147% | 2,241 |
| Total domestic deposits to total assets | 70.1487% | 7,257 |
| Equity capital to assets | 13.9101% | 1,456 |
| Core capital (leverage) ratio | 14.5349% | 1,136 |
| Tier 1 risk-based capital ratio | 16.8207% | 2,376 |
| Total risk-based capital ratio | 18.0719% | 2,313 |
| Memoranda: | ||
| Average total assets | $279,567,600 | 2,316 |
| Average earning assets | $250,354,200 | 2,368 |
| Average equity | $61,024,800 | 1,102 |
| Average total loans | $197,362,800 | 2,324 |