Home > Enterprise Bank > Performance and Condition Ratios
Enterprise Bank, Performance and Condition Ratios
| 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 | 4.9873% | 795 |
| Cost of funding earning assets | 0.4272% | 3,416 |
| Net interest margin | 4.5601% | 668 |
| Noninterest income to average assets | 0.2563% | 5,298 |
| Noninterest expense to average assets | 2.7900% | 3,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9309% | 2,720 |
| Return on assets (ROA) | 0.9309% | 2,807 |
| Pretax return on assets | 1.4234% | 1,802 |
| Return on Equity (ROE) | 6.5298% | 3,883 |
| Retained earnings to average equity (ytd only) | 3.6757% | 3,608 |
| Net charge-offs to loans | 0.1030% | 3,030 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 18.5455% | 1,838 |
| Efficiency ratio | 66.2178% | 4,213 |
| Assets per employee ($millions) | 5.1358% | 2,142 |
| Cash dividends to net income (ytd only)* | 43.7081% | 2,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 4,491 |
| Loan loss allowance to noncurrent loans | 209.1870% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.3819% | 4,556 |
| Noncurrent loans to loans | 0.5309% | 4,073 |
| Net loans and leases to total assets | 71.1351% | 2,054 |
| Net loans and leases to deposits | 82.6678% | 2,390 |
| Net loans and leases to core deposits | 87.8476% | 2,516 |
| Total domestic deposits to total assets | 86.0493% | 2,812 |
| Equity capital to assets | 13.7414% | 1,051 |
| Core capital (leverage) ratio | 10.6752% | 2,745 |
| Tier 1 risk-based capital ratio | 13.7283% | 4,281 |
| Total risk-based capital ratio | 14.7856% | 4,327 |
| Memoranda: | ||
| Average total assets | $544,616,200 | 1,227 |
| Average earning assets | $472,599,000 | 1,295 |
| Average equity | $77,644,200 | 945 |
| Average total loans | $405,963,800 | 1,081 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0324% | 725 |
| Cost of funding earning assets | 0.4347% | 3,420 |
| Net interest margin | 4.5977% | 621 |
| Noninterest income to average assets | 0.2123% | 5,659 |
| Noninterest expense to average assets | 2.7013% | 3,818 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9908% | 2,495 |
| Return on assets (ROA) | 0.9908% | 2,556 |
| Pretax return on assets | 1.4877% | 1,684 |
| Return on Equity (ROE) | 6.8841% | 3,768 |
| Retained earnings to average equity (ytd only) | 6.8841% | 1,880 |
| Net charge-offs to loans | -0.0481% | 5,886 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4847% | 4,468 |
| Assets per employee ($millions) | 4.9485% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2560% | 3,901 |
| Loan loss allowance to noncurrent loans | 197.1880% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6706% | 3,828 |
| Noncurrent loans to loans | 0.6369% | 4,021 |
| Net loans and leases to total assets | 70.7205% | 2,072 |
| Net loans and leases to deposits | 82.3605% | 2,379 |
| Net loans and leases to core deposits | 88.2690% | 2,395 |
| Total domestic deposits to total assets | 85.8670% | 2,924 |
| Equity capital to assets | 13.9667% | 1,017 |
| Core capital (leverage) ratio | 11.3205% | 2,198 |
| Tier 1 risk-based capital ratio | 13.9912% | 4,223 |
| Total risk-based capital ratio | 15.1794% | 4,212 |
| Memoranda: | ||
| Average total assets | $538,252,000 | 1,248 |
| Average earning assets | $465,559,000 | 1,327 |
| Average equity | $77,471,250 | 947 |
| Average total loans | $404,935,750 | 1,080 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1277% | 582 |
| Cost of funding earning assets | 0.4386% | 3,454 |
| Net interest margin | 4.6891% | 497 |
| Noninterest income to average assets | 0.2061% | 5,723 |
| Noninterest expense to average assets | 2.7463% | 3,712 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9875% | 2,373 |
| Return on assets (ROA) | 0.9875% | 2,455 |
| Pretax return on assets | 1.4933% | 1,559 |
| Return on Equity (ROE) | 6.7890% | 3,722 |
| Retained earnings to average equity (ytd only) | 6.7890% | 1,879 |
| Net charge-offs to loans | -0.1465% | 6,260 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7784% | 4,569 |
| Assets per employee ($millions) | 4.5902% | 2,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2896% | 3,906 |
| Loan loss allowance to noncurrent loans | 247.9059% | 1,773 |
| Noncurrent assets plus other real estate owned to assets | 0.6133% | 4,133 |
| Noncurrent loans to loans | 0.5202% | 4,443 |
| Net loans and leases to total assets | 75.0849% | 1,295 |
| Net loans and leases to deposits | 88.0453% | 1,592 |
| Net loans and leases to core deposits | 94.9384% | 1,692 |
| Total domestic deposits to total assets | 85.2798% | 3,368 |
| Equity capital to assets | 14.5403% | 810 |
| Core capital (leverage) ratio | 11.4431% | 2,055 |
| Tier 1 risk-based capital ratio | 13.6622% | 4,480 |
| Total risk-based capital ratio | 14.8845% | 4,444 |
| Memoranda: | ||
| Average total assets | $527,975,670 | 1,271 |
| Average earning assets | $454,163,670 | 1,353 |
| Average equity | $76,801,000 | 952 |
| Average total loans | $404,055,670 | 1,084 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1838% | 504 |
| Cost of funding earning assets | 0.4349% | 3,599 |
| Net interest margin | 4.7490% | 421 |
| Noninterest income to average assets | 0.1842% | 5,859 |
| Noninterest expense to average assets | 2.6861% | 3,979 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0316% | 2,078 |
| Return on assets (ROA) | 1.0316% | 2,154 |
| Pretax return on assets | 1.5704% | 1,238 |
| Return on Equity (ROE) | 7.0906% | 3,418 |
| Retained earnings to average equity (ytd only) | 7.0906% | 1,990 |
| Net charge-offs to loans | -0.1782% | 6,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1059% | 4,987 |
| Assets per employee ($millions) | 4.6122% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2760% | 4,246 |
| Loan loss allowance to noncurrent loans | 206.6185% | 2,032 |
| Noncurrent assets plus other real estate owned to assets | 0.8335% | 3,639 |
| Noncurrent loans to loans | 0.6176% | 4,317 |
| Net loans and leases to total assets | 73.8525% | 1,298 |
| Net loans and leases to deposits | 86.5371% | 1,530 |
| Net loans and leases to core deposits | 93.1910% | 1,621 |
| Total domestic deposits to total assets | 85.3420% | 3,700 |
| Equity capital to assets | 14.2381% | 850 |
| Core capital (leverage) ratio | 11.6264% | 1,881 |
| Tier 1 risk-based capital ratio | 14.0527% | 4,302 |
| Total risk-based capital ratio | 15.3027% | 4,234 |
| Memoranda: | ||
| Average total assets | $523,438,000 | 1,285 |
| Average earning assets | $448,856,000 | 1,377 |
| Average equity | $76,157,000 | 957 |
| Average total loans | $401,827,500 | 1,095 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0208% | 884 |
| Cost of funding earning assets | 0.4616% | 4,006 |
| Net interest margin | 4.5592% | 656 |
| Noninterest income to average assets | 0.1810% | 6,002 |
| Noninterest expense to average assets | 2.8041% | 3,706 |
| Loan and lease loss provision to assets | -0.1940% | 6,594 |
| Net operating income to assets | 1.0430% | 2,144 |
| Return on assets (ROA) | 1.0782% | 2,089 |
| Pretax return on assets | 1.6394% | 1,076 |
| Return on Equity (ROE) | 7.6294% | 3,231 |
| Retained earnings to average equity (ytd only) | 7.6294% | 1,180 |
| Net charge-offs to loans | 0.1893% | 2,945 |
| Credit loss provision to net charge-offs | -141.6431% | 5,935 |
| Earnings coverage of net charge-offs (x) | 10.1657% | 2,411 |
| Efficiency ratio | 66.8254% | 4,401 |
| Assets per employee ($millions) | 4.2988% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 4,427 |
| Loan loss allowance to noncurrent loans | 162.9096% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0029% | 3,411 |
| Noncurrent loans to loans | 0.7630% | 4,059 |
| Net loans and leases to total assets | 77.8718% | 840 |
| Net loans and leases to deposits | 91.8068% | 1,078 |
| Net loans and leases to core deposits | 99.3966% | 1,203 |
| Total domestic deposits to total assets | 84.8214% | 3,839 |
| Equity capital to assets | 14.8805% | 692 |
| Core capital (leverage) ratio | 11.4459% | 2,000 |
| Tier 1 risk-based capital ratio | 13.8672% | 4,385 |
| Total risk-based capital ratio | 15.0924% | 4,354 |
| Memoranda: | ||
| Average total assets | $515,565,400 | 1,288 |
| Average earning assets | $454,052,800 | 1,338 |
| Average equity | $72,862,400 | 977 |
| Average total loans | $372,880,400 | 1,143 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 1,153 |
| Cost of funding earning assets | 0.4615% | 4,155 |
| Net interest margin | 4.4250% | 849 |
| Noninterest income to average assets | 0.1824% | 6,101 |
| Noninterest expense to average assets | 2.8165% | 3,602 |
| Loan and lease loss provision to assets | -0.2576% | 6,756 |
| Net operating income to assets | 1.0396% | 2,227 |
| Return on assets (ROA) | 1.0396% | 2,310 |
| Pretax return on assets | 1.5825% | 1,380 |
| Return on Equity (ROE) | 7.4524% | 3,406 |
| Retained earnings to average equity (ytd only) | 7.4524% | 1,669 |
| Net charge-offs to loans | 0.1253% | 3,279 |
| Credit loss provision to net charge-offs | -290.6977% | 5,961 |
| Earnings coverage of net charge-offs (x) | 14.9533% | 1,900 |
| Efficiency ratio | 68.0080% | 4,102 |
| Assets per employee ($millions) | 4.3374% | 3,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4184% | 3,819 |
| Loan loss allowance to noncurrent loans | 184.0580% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 1.0150% | 3,621 |
| Noncurrent loans to loans | 0.7706% | 4,308 |
| Net loans and leases to total assets | 71.8244% | 1,621 |
| Net loans and leases to deposits | 84.4776% | 1,821 |
| Net loans and leases to core deposits | 91.4191% | 1,831 |
| Total domestic deposits to total assets | 85.0218% | 3,739 |
| Equity capital to assets | 14.3650% | 861 |
| Core capital (leverage) ratio | 11.1459% | 2,345 |
| Tier 1 risk-based capital ratio | 14.4438% | 4,109 |
| Total risk-based capital ratio | 15.6958% | 4,073 |
| Memoranda: | ||
| Average total assets | $517,643,500 | 1,291 |
| Average earning assets | $463,140,000 | 1,321 |
| Average equity | $72,207,500 | 995 |
| Average total loans | $366,105,750 | 1,169 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 1,231 |
| Cost of funding earning assets | 0.4656% | 4,256 |
| Net interest margin | 4.3765% | 889 |
| Noninterest income to average assets | 0.1652% | 6,229 |
| Noninterest expense to average assets | 2.7931% | 3,694 |
| Loan and lease loss provision to assets | -0.3860% | 6,858 |
| Net operating income to assets | 1.1229% | 1,847 |
| Return on assets (ROA) | 1.1229% | 1,964 |
| Pretax return on assets | 1.7130% | 1,087 |
| Return on Equity (ROE) | 8.1300% | 3,026 |
| Retained earnings to average equity (ytd only) | 8.1300% | 1,431 |
| Net charge-offs to loans | 0.0921% | 3,444 |
| Credit loss provision to net charge-offs | -598.8024% | 5,940 |
| Earnings coverage of net charge-offs (x) | 20.5868% | 1,453 |
| Efficiency ratio | 67.7909% | 4,220 |
| Assets per employee ($millions) | 4.6469% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5592% | 3,321 |
| Loan loss allowance to noncurrent loans | 154.1107% | 2,461 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 3,215 |
| Noncurrent loans to loans | 1.0118% | 3,911 |
| Net loans and leases to total assets | 68.0679% | 2,217 |
| Net loans and leases to deposits | 79.8343% | 2,341 |
| Net loans and leases to core deposits | 86.7177% | 2,258 |
| Total domestic deposits to total assets | 85.2615% | 3,761 |
| Equity capital to assets | 14.2868% | 882 |
| Core capital (leverage) ratio | 10.9406% | 2,418 |
| Tier 1 risk-based capital ratio | 15.0377% | 3,754 |
| Total risk-based capital ratio | 16.2914% | 3,720 |
| Memoranda: | ||
| Average total assets | $518,143,000 | 1,293 |
| Average earning assets | $468,229,330 | 1,304 |
| Average equity | $71,562,000 | 1,006 |
| Average total loans | $362,790,330 | 1,173 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7967% | 1,297 |
| Cost of funding earning assets | 0.4680% | 4,398 |
| Net interest margin | 4.3287% | 913 |
| Noninterest income to average assets | 0.2155% | 5,935 |
| Noninterest expense to average assets | 2.7467% | 3,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9340% | 2,500 |
| Return on assets (ROA) | 0.9340% | 2,643 |
| Pretax return on assets | 1.4263% | 1,783 |
| Return on Equity (ROE) | 6.8785% | 3,559 |
| Retained earnings to average equity (ytd only) | 6.8785% | 2,216 |
| Net charge-offs to loans | 0.0827% | 3,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 24.4737% | 1,080 |
| Efficiency ratio | 65.8214% | 4,695 |
| Assets per employee ($millions) | 4.7000% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8149% | 2,569 |
| Loan loss allowance to noncurrent loans | 180.4318% | 2,045 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 3,144 |
| Noncurrent loans to loans | 1.0059% | 4,117 |
| Net loans and leases to total assets | 69.0845% | 1,828 |
| Net loans and leases to deposits | 80.6258% | 2,000 |
| Net loans and leases to core deposits | 87.4348% | 1,969 |
| Total domestic deposits to total assets | 85.6854% | 3,686 |
| Equity capital to assets | 13.8146% | 1,085 |
| Core capital (leverage) ratio | 10.3784% | 2,932 |
| Tier 1 risk-based capital ratio | 14.2657% | 4,313 |
| Total risk-based capital ratio | 15.5227% | 4,281 |
| Memoranda: | ||
| Average total assets | $521,636,000 | 1,296 |
| Average earning assets | $476,913,500 | 1,298 |
| Average equity | $70,829,000 | 1,030 |
| Average total loans | $367,463,000 | 1,162 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0219% | 1,499 |
| Cost of funding earning assets | 0.5697% | 4,648 |
| Net interest margin | 4.4521% | 1,040 |
| Noninterest income to average assets | 0.0245% | 6,767 |
| Noninterest expense to average assets | 2.6765% | 4,487 |
| Loan and lease loss provision to assets | 0.1129% | 4,226 |
| Net operating income to assets | 0.8377% | 3,107 |
| Return on assets (ROA) | 0.8377% | 3,360 |
| Pretax return on assets | 1.2718% | 2,514 |
| Return on Equity (ROE) | 6.5698% | 3,876 |
| Retained earnings to average equity (ytd only) | 6.5698% | 1,781 |
| Net charge-offs to loans | 0.3844% | 2,716 |
| Credit loss provision to net charge-offs | 42.1053% | 4,888 |
| Earnings coverage of net charge-offs (x) | 5.1635% | 3,128 |
| Efficiency ratio | 65.9036% | 4,522 |
| Assets per employee ($millions) | 4.7412% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 2,584 |
| Loan loss allowance to noncurrent loans | 205.0353% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 1.3542% | 3,371 |
| Noncurrent loans to loans | 0.8775% | 4,424 |
| Net loans and leases to total assets | 69.2568% | 1,986 |
| Net loans and leases to deposits | 80.2276% | 2,250 |
| Net loans and leases to core deposits | 86.3539% | 2,267 |
| Total domestic deposits to total assets | 86.3254% | 3,186 |
| Equity capital to assets | 13.3461% | 1,288 |
| Core capital (leverage) ratio | 10.1709% | 3,174 |
| Tier 1 risk-based capital ratio | 13.1434% | 5,007 |
| Total risk-based capital ratio | 14.3778% | 4,967 |
| Memoranda: | ||
| Average total assets | $531,362,800 | 1,255 |
| Average earning assets | $481,792,200 | 1,267 |
| Average equity | $67,749,400 | 1,036 |
| Average total loans | $370,709,400 | 1,127 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8929% | 2,038 |
| Cost of funding earning assets | 0.5944% | 4,704 |
| Net interest margin | 4.2985% | 1,466 |
| Noninterest income to average assets | 0.0388% | 6,840 |
| Noninterest expense to average assets | 2.6664% | 4,513 |
| Loan and lease loss provision to assets | 0.1502% | 3,659 |
| Net operating income to assets | 0.7342% | 3,757 |
| Return on assets (ROA) | 0.7342% | 4,008 |
| Pretax return on assets | 1.1124% | 3,304 |
| Return on Equity (ROE) | 5.8256% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.8256% | 2,811 |
| Net charge-offs to loans | 0.3680% | 2,632 |
| Credit loss provision to net charge-offs | 58.6510% | 4,187 |
| Earnings coverage of net charge-offs (x) | 4.9306% | 3,162 |
| Efficiency ratio | 67.8644% | 4,096 |
| Assets per employee ($millions) | 5.0774% | 2,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 2,502 |
| Loan loss allowance to noncurrent loans | 266.5663% | 1,381 |
| Noncurrent assets plus other real estate owned to assets | 1.7995% | 2,911 |
| Noncurrent loans to loans | 0.7099% | 5,017 |
| Net loans and leases to total assets | 70.1842% | 1,878 |
| Net loans and leases to deposits | 81.3394% | 2,207 |
| Net loans and leases to core deposits | 87.8538% | 2,232 |
| Total domestic deposits to total assets | 86.2856% | 3,098 |
| Equity capital to assets | 13.1454% | 1,519 |
| Core capital (leverage) ratio | 9.7981% | 3,820 |
| Tier 1 risk-based capital ratio | 12.4697% | 5,667 |
| Total risk-based capital ratio | 13.6997% | 5,646 |
| Memoranda: | ||
| Average total assets | $532,634,750 | 1,265 |
| Average earning assets | $482,047,500 | 1,280 |
| Average equity | $67,127,500 | 1,050 |
| Average total loans | $370,597,000 | 1,141 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9977% | 1,798 |
| Cost of funding earning assets | 0.6120% | 4,791 |
| Net interest margin | 4.3856% | 1,241 |
| Noninterest income to average assets | -0.0340% | 7,042 |
| Noninterest expense to average assets | 2.7328% | 4,276 |
| Loan and lease loss provision to assets | 0.2239% | 2,843 |
| Net operating income to assets | 0.6457% | 4,134 |
| Return on assets (ROA) | 0.6457% | 4,387 |
| Pretax return on assets | 0.9782% | 3,792 |
| Return on Equity (ROE) | 5.1961% | 4,710 |
| Retained earnings to average equity (ytd only) | 5.1961% | 3,157 |
| Net charge-offs to loans | 0.4645% | 2,209 |
| Credit loss provision to net charge-offs | 69.9301% | 3,565 |
| Earnings coverage of net charge-offs (x) | 3.7541% | 3,280 |
| Efficiency ratio | 69.4489% | 3,860 |
| Assets per employee ($millions) | 5.3623% | 1,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9589% | 2,345 |
| Loan loss allowance to noncurrent loans | 256.0424% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 1.8780% | 2,933 |
| Noncurrent loans to loans | 0.7651% | 4,977 |
| Net loans and leases to total assets | 69.0116% | 2,100 |
| Net loans and leases to deposits | 79.6340% | 2,435 |
| Net loans and leases to core deposits | 92.3325% | 1,752 |
| Total domestic deposits to total assets | 86.6610% | 2,976 |
| Equity capital to assets | 12.8464% | 1,598 |
| Core capital (leverage) ratio | 9.3680% | 4,347 |
| Tier 1 risk-based capital ratio | 12.5096% | 5,560 |
| Total risk-based capital ratio | 13.7674% | 5,537 |
| Memoranda: | ||
| Average total assets | $535,857,000 | 1,264 |
| Average earning assets | $484,947,000 | 1,275 |
| Average equity | $66,588,000 | 1,052 |
| Average total loans | $369,422,330 | 1,142 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8268% | 2,536 |
| Cost of funding earning assets | 0.6166% | 4,995 |
| Net interest margin | 4.2102% | 1,735 |
| Noninterest income to average assets | -0.0481% | 7,136 |
| Noninterest expense to average assets | 2.7222% | 4,344 |
| Loan and lease loss provision to assets | 0.2218% | 2,732 |
| Net operating income to assets | 0.5441% | 4,626 |
| Return on assets (ROA) | 0.5441% | 4,839 |
| Pretax return on assets | 0.8243% | 4,323 |
| Return on Equity (ROE) | 4.4520% | 5,068 |
| Retained earnings to average equity (ytd only) | 4.4520% | 3,923 |
| Net charge-offs to loans | 0.6447% | 1,515 |
| Credit loss provision to net charge-offs | 50.4202% | 3,272 |
| Earnings coverage of net charge-offs (x) | 2.3782% | 3,225 |
| Efficiency ratio | 72.2386% | 3,393 |
| Assets per employee ($millions) | 5.3236% | 1,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9681% | 2,458 |
| Loan loss allowance to noncurrent loans | 101.3783% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 2.7412% | 2,147 |
| Noncurrent loans to loans | 1.9414% | 3,232 |
| Net loans and leases to total assets | 65.4773% | 2,563 |
| Net loans and leases to deposits | 74.7944% | 3,000 |
| Net loans and leases to core deposits | 86.8246% | 2,193 |
| Total domestic deposits to total assets | 87.5431% | 2,630 |
| Equity capital to assets | 12.1230% | 1,956 |
| Core capital (leverage) ratio | 8.9945% | 4,851 |
| Tier 1 risk-based capital ratio | 12.7408% | 5,405 |
| Total risk-based capital ratio | 13.9993% | 5,376 |
| Memoranda: | ||
| Average total assets | $541,034,000 | 1,252 |
| Average earning assets | $490,425,500 | 1,257 |
| Average equity | $66,128,000 | 1,059 |
| Average total loans | $369,181,500 | 1,142 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4251% | 1,353 |
| Cost of funding earning assets | 0.7993% | 4,881 |
| Net interest margin | 4.6258% | 870 |
| Noninterest income to average assets | -0.3407% | 7,222 |
| Noninterest expense to average assets | 2.7398% | 4,589 |
| Loan and lease loss provision to assets | 0.6671% | 1,536 |
| Net operating income to assets | 0.2727% | 5,360 |
| Return on assets (ROA) | 0.2727% | 5,513 |
| Pretax return on assets | 0.4130% | 5,251 |
| Return on Equity (ROE) | 2.2225% | 5,574 |
| Retained earnings to average equity (ytd only) | 2.2225% | 4,631 |
| Net charge-offs to loans | 0.5530% | 2,802 |
| Credit loss provision to net charge-offs | 162.7694% | 1,686 |
| Earnings coverage of net charge-offs (x) | 2.6355% | 3,897 |
| Efficiency ratio | 71.7237% | 3,632 |
| Assets per employee ($millions) | 5.3374% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0163% | 2,227 |
| Loan loss allowance to noncurrent loans | 141.0338% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 2.5082% | 2,421 |
| Noncurrent loans to loans | 1.4296% | 4,018 |
| Net loans and leases to total assets | 68.3145% | 2,332 |
| Net loans and leases to deposits | 78.2865% | 2,788 |
| Net loans and leases to core deposits | 84.3448% | 2,846 |
| Total domestic deposits to total assets | 87.2621% | 2,602 |
| Equity capital to assets | 12.3248% | 1,895 |
| Core capital (leverage) ratio | 8.8450% | 5,026 |
| Tier 1 risk-based capital ratio | 12.3835% | 5,555 |
| Total risk-based capital ratio | 13.6428% | 5,517 |
| Memoranda: | ||
| Average total assets | $532,147,000 | 1,254 |
| Average earning assets | $478,641,800 | 1,279 |
| Average equity | $65,287,200 | 1,034 |
| Average total loans | $394,382,200 | 1,081 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5084% | 1,233 |
| Cost of funding earning assets | 0.8245% | 4,980 |
| Net interest margin | 4.6840% | 791 |
| Noninterest income to average assets | 0.0564% | 6,933 |
| Noninterest expense to average assets | 2.8978% | 3,939 |
| Loan and lease loss provision to assets | 0.8149% | 1,139 |
| Net operating income to assets | 0.3641% | 5,145 |
| Return on assets (ROA) | 0.3641% | 5,335 |
| Pretax return on assets | 0.5516% | 4,967 |
| Return on Equity (ROE) | 2.9709% | 5,433 |
| Retained earnings to average equity (ytd only) | 2.9709% | 4,574 |
| Net charge-offs to loans | 0.6054% | 2,436 |
| Credit loss provision to net charge-offs | 178.9648% | 1,665 |
| Earnings coverage of net charge-offs (x) | 3.0011% | 3,635 |
| Efficiency ratio | 67.9544% | 4,330 |
| Assets per employee ($millions) | 5.2744% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 2,461 |
| Loan loss allowance to noncurrent loans | 123.7815% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 3.0999% | 2,064 |
| Noncurrent loans to loans | 1.5799% | 3,927 |
| Net loans and leases to total assets | 71.9374% | 1,720 |
| Net loans and leases to deposits | 82.4899% | 2,260 |
| Net loans and leases to core deposits | 90.0732% | 2,236 |
| Total domestic deposits to total assets | 87.2075% | 2,527 |
| Equity capital to assets | 12.4800% | 1,923 |
| Core capital (leverage) ratio | 8.9995% | 4,926 |
| Tier 1 risk-based capital ratio | 11.8654% | 5,990 |
| Total risk-based capital ratio | 13.1238% | 5,965 |
| Memoranda: | ||
| Average total assets | $531,749,000 | 1,256 |
| Average earning assets | $477,704,500 | 1,281 |
| Average equity | $65,163,500 | 1,039 |
| Average total loans | $399,946,750 | 1,073 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5400% | 1,209 |
| Cost of funding earning assets | 0.8411% | 5,124 |
| Net interest margin | 4.6989% | 729 |
| Noninterest income to average assets | -0.0214% | 7,227 |
| Noninterest expense to average assets | 2.9660% | 3,770 |
| Loan and lease loss provision to assets | 0.2438% | 3,466 |
| Net operating income to assets | 0.6489% | 3,800 |
| Return on assets (ROA) | 0.6489% | 3,929 |
| Pretax return on assets | 0.9831% | 3,296 |
| Return on Equity (ROE) | 5.3277% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.3277% | 2,791 |
| Net charge-offs to loans | 0.4195% | 2,883 |
| Credit loss provision to net charge-offs | 76.6509% | 3,869 |
| Earnings coverage of net charge-offs (x) | 3.8573% | 3,034 |
| Efficiency ratio | 70.7372% | 3,976 |
| Assets per employee ($millions) | 5.2527% | 1,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5074% | 4,102 |
| Loan loss allowance to noncurrent loans | 113.5425% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 3.1113% | 2,157 |
| Noncurrent loans to loans | 1.3276% | 4,433 |
| Net loans and leases to total assets | 74.5855% | 1,309 |
| Net loans and leases to deposits | 85.7610% | 1,820 |
| Net loans and leases to core deposits | 93.8167% | 1,917 |
| Total domestic deposits to total assets | 86.9690% | 2,756 |
| Equity capital to assets | 12.6619% | 1,702 |
| Core capital (leverage) ratio | 9.1964% | 4,413 |
| Tier 1 risk-based capital ratio | 11.6526% | 6,047 |
| Total risk-based capital ratio | 12.9056% | 6,041 |
| Memoranda: | ||
| Average total assets | $533,184,330 | 1,254 |
| Average earning assets | $478,194,000 | 1,286 |
| Average equity | $64,943,000 | 1,040 |
| Average total loans | $404,263,330 | 1,067 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5119% | 1,264 |
| Cost of funding earning assets | 0.8621% | 5,196 |
| Net interest margin | 4.6498% | 784 |
| Noninterest income to average assets | 0.2231% | 6,136 |
| Noninterest expense to average assets | 3.0087% | 3,605 |
| Loan and lease loss provision to assets | 0.2223% | 3,437 |
| Net operating income to assets | 0.7633% | 3,199 |
| Return on assets (ROA) | 0.7633% | 3,269 |
| Pretax return on assets | 1.1568% | 2,525 |
| Return on Equity (ROE) | 6.3883% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.3883% | 2,424 |
| Net charge-offs to loans | 0.1719% | 3,455 |
| Credit loss provision to net charge-offs | 170.4545% | 1,692 |
| Earnings coverage of net charge-offs (x) | 10.5739% | 1,626 |
| Efficiency ratio | 68.5695% | 4,543 |
| Assets per employee ($millions) | 5.4246% | 1,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,952 |
| Loan loss allowance to noncurrent loans | 128.5010% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 3.9087% | 1,708 |
| Noncurrent loans to loans | 1.2078% | 4,667 |
| Net loans and leases to total assets | 73.9174% | 1,361 |
| Net loans and leases to deposits | 84.4461% | 1,962 |
| Net loans and leases to core deposits | 91.8304% | 2,150 |
| Total domestic deposits to total assets | 87.5320% | 2,647 |
| Equity capital to assets | 12.1032% | 1,856 |
| Core capital (leverage) ratio | 8.6860% | 5,105 |
| Tier 1 risk-based capital ratio | 11.1244% | 6,419 |
| Total risk-based capital ratio | 12.3776% | 6,389 |
| Memoranda: | ||
| Average total assets | $539,769,000 | 1,248 |
| Average earning assets | $483,459,000 | 1,276 |
| Average equity | $64,492,500 | 1,041 |
| Average total loans | $409,499,000 | 1,063 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4106% | 2,623 |
| Cost of funding earning assets | 1.1200% | 5,020 |
| Net interest margin | 4.2906% | 1,851 |
| Noninterest income to average assets | 0.1129% | 6,836 |
| Noninterest expense to average assets | 2.8069% | 4,581 |
| Loan and lease loss provision to assets | 0.9762% | 1,659 |
| Net operating income to assets | 0.1562% | 5,420 |
| Return on assets (ROA) | 0.1562% | 5,578 |
| Pretax return on assets | 0.2381% | 5,386 |
| Return on Equity (ROE) | 1.3327% | 5,610 |
| Retained earnings to average equity (ytd only) | 1.3327% | 4,878 |
| Net charge-offs to loans | 0.9848% | 2,217 |
| Credit loss provision to net charge-offs | 125.0000% | 3,271 |
| Earnings coverage of net charge-offs (x) | 1.5549% | 4,577 |
| Efficiency ratio | 69.8022% | 4,216 |
| Assets per employee ($millions) | 5.4251% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 4,150 |
| Loan loss allowance to noncurrent loans | 117.2401% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 4.0746% | 1,661 |
| Noncurrent loans to loans | 1.2584% | 4,613 |
| Net loans and leases to total assets | 75.5099% | 1,372 |
| Net loans and leases to deposits | 85.9292% | 2,113 |
| Net loans and leases to core deposits | 94.3040% | 2,223 |
| Total domestic deposits to total assets | 87.8746% | 2,325 |
| Equity capital to assets | 11.7947% | 2,045 |
| Core capital (leverage) ratio | 8.4282% | 5,485 |
| Tier 1 risk-based capital ratio | 10.5195% | 6,687 |
| Total risk-based capital ratio | 11.7717% | 6,665 |
| Memoranda: | ||
| Average total assets | $548,048,600 | 1,221 |
| Average earning assets | $499,208,800 | 1,232 |
| Average equity | $64,231,600 | 1,038 |
| Average total loans | $434,625,200 | 1,035 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3515% | 3,113 |
| Cost of funding earning assets | 1.1708% | 5,031 |
| Net interest margin | 4.1807% | 2,289 |
| Noninterest income to average assets | 0.1437% | 6,826 |
| Noninterest expense to average assets | 2.5728% | 5,419 |
| Loan and lease loss provision to assets | 0.8857% | 1,717 |
| Net operating income to assets | 0.3405% | 5,003 |
| Return on assets (ROA) | 0.3405% | 5,182 |
| Pretax return on assets | 0.5081% | 4,897 |
| Return on Equity (ROE) | 2.9095% | 5,259 |
| Retained earnings to average equity (ytd only) | 2.9095% | 4,389 |
| Net charge-offs to loans | 0.9229% | 2,154 |
| Credit loss provision to net charge-offs | 120.0263% | 3,437 |
| Earnings coverage of net charge-offs (x) | 1.8889% | 4,291 |
| Efficiency ratio | 64.8599% | 5,076 |
| Assets per employee ($millions) | 5.5169% | 1,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3179% | 4,861 |
| Loan loss allowance to noncurrent loans | 37.0971% | 5,868 |
| Noncurrent assets plus other real estate owned to assets | 5.0936% | 1,259 |
| Noncurrent loans to loans | 3.5527% | 2,210 |
| Net loans and leases to total assets | 77.7857% | 1,074 |
| Net loans and leases to deposits | 88.4398% | 1,950 |
| Net loans and leases to core deposits | 97.8383% | 2,062 |
| Total domestic deposits to total assets | 87.9533% | 1,990 |
| Equity capital to assets | 11.8358% | 2,262 |
| Core capital (leverage) ratio | 8.6565% | 5,262 |
| Tier 1 risk-based capital ratio | 10.3594% | 6,859 |
| Total risk-based capital ratio | 11.6099% | 6,852 |
| Memoranda: | ||
| Average total assets | $549,434,250 | 1,231 |
| Average earning assets | $502,421,500 | 1,238 |
| Average equity | $64,292,750 | 1,039 |
| Average total loans | $439,336,500 | 1,026 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 3,160 |
| Cost of funding earning assets | 1.2190% | 5,025 |
| Net interest margin | 4.1402% | 2,377 |
| Noninterest income to average assets | 0.1620% | 6,735 |
| Noninterest expense to average assets | 2.4522% | 5,904 |
| Loan and lease loss provision to assets | 0.3633% | 3,531 |
| Net operating income to assets | 0.7582% | 3,155 |
| Return on assets (ROA) | 0.7582% | 3,312 |
| Pretax return on assets | 1.1480% | 2,592 |
| Return on Equity (ROE) | 6.5040% | 3,546 |
| Retained earnings to average equity (ytd only) | 6.5040% | 2,070 |
| Net charge-offs to loans | 0.3685% | 3,513 |
| Credit loss provision to net charge-offs | 122.6994% | 3,294 |
| Earnings coverage of net charge-offs (x) | 5.1043% | 2,748 |
| Efficiency ratio | 61.8698% | 5,709 |
| Assets per employee ($millions) | 5.3742% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 5,532 |
| Loan loss allowance to noncurrent loans | 34.2109% | 6,085 |
| Noncurrent assets plus other real estate owned to assets | 3.8602% | 1,796 |
| Noncurrent loans to loans | 3.4630% | 2,290 |
| Net loans and leases to total assets | 79.8823% | 817 |
| Net loans and leases to deposits | 90.9428% | 1,699 |
| Net loans and leases to core deposits | 100.7366% | 1,941 |
| Total domestic deposits to total assets | 87.8379% | 2,086 |
| Equity capital to assets | 11.9070% | 2,153 |
| Core capital (leverage) ratio | 8.6080% | 5,220 |
| Tier 1 risk-based capital ratio | 10.3129% | 6,828 |
| Total risk-based capital ratio | 11.4888% | 6,863 |
| Memoranda: | ||
| Average total assets | $550,520,670 | 1,233 |
| Average earning assets | $505,481,330 | 1,230 |
| Average equity | $64,175,670 | 1,037 |
| Average total loans | $442,275,330 | 1,029 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3281% | 3,404 |
| Cost of funding earning assets | 1.2369% | 5,191 |
| Net interest margin | 4.0912% | 2,478 |
| Noninterest income to average assets | 0.0022% | 7,651 |
| Noninterest expense to average assets | 2.4702% | 5,839 |
| Loan and lease loss provision to assets | 0.2175% | 4,329 |
| Net operating income to assets | 0.7076% | 3,409 |
| Return on assets (ROA) | 0.7076% | 3,516 |
| Pretax return on assets | 1.0723% | 2,831 |
| Return on Equity (ROE) | 6.1356% | 3,810 |
| Retained earnings to average equity (ytd only) | 6.1356% | 2,559 |
| Net charge-offs to loans | 0.5033% | 2,558 |
| Credit loss provision to net charge-offs | 53.9568% | 4,420 |
| Earnings coverage of net charge-offs (x) | 3.1996% | 2,987 |
| Efficiency ratio | 65.6961% | 5,182 |
| Assets per employee ($millions) | 5.6519% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0838% | 6,088 |
| Loan loss allowance to noncurrent loans | 41.0920% | 5,612 |
| Noncurrent assets plus other real estate owned to assets | 2.7666% | 2,627 |
| Noncurrent loans to loans | 2.6375% | 3,032 |
| Net loans and leases to total assets | 78.4393% | 1,075 |
| Net loans and leases to deposits | 88.8321% | 2,076 |
| Net loans and leases to core deposits | 101.0392% | 2,027 |
| Total domestic deposits to total assets | 88.3006% | 1,903 |
| Equity capital to assets | 11.4569% | 2,395 |
| Core capital (leverage) ratio | 8.5195% | 5,342 |
| Tier 1 risk-based capital ratio | 10.0316% | 7,009 |
| Total risk-based capital ratio | 11.1052% | 7,117 |
| Memoranda: | ||
| Average total assets | $551,699,000 | 1,262 |
| Average earning assets | $506,749,000 | 1,259 |
| Average equity | $63,628,500 | 1,051 |
| Average total loans | $441,845,000 | 1,058 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3907% | 4,741 |
| Cost of funding earning assets | 1.5654% | 5,201 |
| Net interest margin | 3.8253% | 3,597 |
| Noninterest income to average assets | 0.2276% | 6,489 |
| Noninterest expense to average assets | 2.7254% | 5,272 |
| Loan and lease loss provision to assets | 0.8622% | 2,583 |
| Net operating income to assets | 0.1215% | 5,142 |
| Return on assets (ROA) | 0.1215% | 5,199 |
| Pretax return on assets | 0.1185% | 5,177 |
| Return on Equity (ROE) | 1.0041% | 5,229 |
| Retained earnings to average equity (ytd only) | 1.0041% | 4,331 |
| Net charge-offs to loans | 0.4536% | 3,966 |
| Credit loss provision to net charge-offs | 234.6384% | 1,547 |
| Earnings coverage of net charge-offs (x) | 2.6688% | 3,775 |
| Efficiency ratio | 73.5389% | 3,988 |
| Assets per employee ($millions) | 5.4935% | 1,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1512% | 5,638 |
| Loan loss allowance to noncurrent loans | 78.6369% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 2.1647% | 3,183 |
| Noncurrent loans to loans | 1.4639% | 4,471 |
| Net loans and leases to total assets | 79.9689% | 996 |
| Net loans and leases to deposits | 90.7262% | 2,093 |
| Net loans and leases to core deposits | 164.8631% | 286 |
| Total domestic deposits to total assets | 88.1430% | 1,902 |
| Equity capital to assets | 11.6117% | 2,240 |
| Core capital (leverage) ratio | 8.3282% | 5,561 |
| Tier 1 risk-based capital ratio | 9.7808% | 7,036 |
| Total risk-based capital ratio | 10.9078% | 7,097 |
| Memoranda: | ||
| Average total assets | $500,485,000 | 1,372 |
| Average earning assets | $455,099,600 | 1,385 |
| Average equity | $60,549,600 | 1,097 |
| Average total loans | $405,435,400 | 1,186 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3422% | 5,211 |
| Cost of funding earning assets | 1.6329% | 5,238 |
| Net interest margin | 3.7093% | 4,028 |
| Noninterest income to average assets | 0.2426% | 6,499 |
| Noninterest expense to average assets | 2.7347% | 5,174 |
| Loan and lease loss provision to assets | 0.3036% | 4,542 |
| Net operating income to assets | 0.4368% | 4,246 |
| Return on assets (ROA) | 0.4368% | 4,352 |
| Pretax return on assets | 0.5724% | 4,290 |
| Return on Equity (ROE) | 3.5703% | 4,552 |
| Retained earnings to average equity (ytd only) | 3.5703% | 3,296 |
| Net charge-offs to loans | 0.3871% | 3,720 |
| Credit loss provision to net charge-offs | 96.7882% | 5,277 |
| Earnings coverage of net charge-offs (x) | 2.7925% | 3,820 |
| Efficiency ratio | 75.7391% | 3,558 |
| Assets per employee ($millions) | 5.3085% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5868% | 7,600 |
| Loan loss allowance to noncurrent loans | 99.2996% | 2,793 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 5,030 |
| Noncurrent loans to loans | 0.5910% | 6,130 |
| Net loans and leases to total assets | 82.2655% | 767 |
| Net loans and leases to deposits | 94.1406% | 1,859 |
| Net loans and leases to core deposits | 165.0208% | 319 |
| Total domestic deposits to total assets | 87.3857% | 1,953 |
| Equity capital to assets | 12.2092% | 2,118 |
| Core capital (leverage) ratio | 9.0589% | 4,559 |
| Tier 1 risk-based capital ratio | 9.8699% | 7,082 |
| Total risk-based capital ratio | 10.4301% | 7,548 |
| Memoranda: | ||
| Average total assets | $489,641,750 | 1,425 |
| Average earning assets | $444,599,500 | 1,432 |
| Average equity | $59,899,250 | 1,123 |
| Average total loans | $396,798,750 | 1,227 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2265% | 5,971 |
| Cost of funding earning assets | 1.7329% | 5,104 |
| Net interest margin | 3.4936% | 4,826 |
| Noninterest income to average assets | 0.2617% | 6,403 |
| Noninterest expense to average assets | 2.7935% | 4,986 |
| Loan and lease loss provision to assets | 0.1675% | 5,395 |
| Net operating income to assets | 0.3002% | 4,898 |
| Return on assets (ROA) | 0.3002% | 5,013 |
| Pretax return on assets | 0.4551% | 4,770 |
| Return on Equity (ROE) | 2.4522% | 5,123 |
| Retained earnings to average equity (ytd only) | 2.4522% | 3,970 |
| Net charge-offs to loans | 0.5020% | 2,824 |
| Credit loss provision to net charge-offs | 41.4938% | 5,882 |
| Earnings coverage of net charge-offs (x) | 1.5425% | 4,382 |
| Efficiency ratio | 81.7747% | 2,749 |
| Assets per employee ($millions) | 4.8941% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5109% | 7,775 |
| Loan loss allowance to noncurrent loans | 787.9377% | 435 |
| Noncurrent assets plus other real estate owned to assets | 0.7799% | 5,444 |
| Noncurrent loans to loans | 0.0648% | 7,365 |
| Net loans and leases to total assets | 81.3881% | 1,075 |
| Net loans and leases to deposits | 93.3577% | 2,199 |
| Net loans and leases to core deposits | 151.0185% | 628 |
| Total domestic deposits to total assets | 87.1788% | 2,158 |
| Equity capital to assets | 12.4319% | 1,955 |
| Core capital (leverage) ratio | 8.8376% | 4,886 |
| Tier 1 risk-based capital ratio | 9.8364% | 7,094 |
| Total risk-based capital ratio | 10.3214% | 7,671 |
| Memoranda: | ||
| Average total assets | $477,675,670 | 1,490 |
| Average earning assets | $431,298,670 | 1,499 |
| Average equity | $58,477,670 | 1,158 |
| Average total loans | $384,101,670 | 1,289 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 6,564 |
| Cost of funding earning assets | 1.8461% | 4,897 |
| Net interest margin | 3.2841% | 5,549 |
| Noninterest income to average assets | 0.2269% | 6,646 |
| Noninterest expense to average assets | 2.7260% | 4,897 |
| Loan and lease loss provision to assets | 0.3374% | 3,301 |
| Net operating income to assets | 0.0708% | 6,066 |
| Return on assets (ROA) | 0.0708% | 6,226 |
| Pretax return on assets | 0.1088% | 6,146 |
| Return on Equity (ROE) | 0.5833% | 6,255 |
| Retained earnings to average equity (ytd only) | 0.5833% | 5,425 |
| Net charge-offs to loans | 0.3101% | 2,867 |
| Credit loss provision to net charge-offs | 136.5188% | 2,970 |
| Earnings coverage of net charge-offs (x) | 1.8055% | 3,826 |
| Efficiency ratio | 85.9346% | 2,071 |
| Assets per employee ($millions) | 4.8747% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7089% | 7,417 |
| Loan loss allowance to noncurrent loans | 54.7967% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 1.4088% | 3,831 |
| Noncurrent loans to loans | 1.2937% | 4,391 |
| Net loans and leases to total assets | 79.0464% | 1,572 |
| Net loans and leases to deposits | 90.5551% | 2,843 |
| Net loans and leases to core deposits | 149.5211% | 724 |
| Total domestic deposits to total assets | 87.2910% | 2,073 |
| Equity capital to assets | 12.4844% | 1,982 |
| Core capital (leverage) ratio | 8.9427% | 4,806 |
| Tier 1 risk-based capital ratio | 10.2297% | 6,681 |
| Total risk-based capital ratio | 10.9117% | 7,208 |
| Memoranda: | ||
| Average total assets | $474,254,000 | 1,511 |
| Average earning assets | $425,322,500 | 1,532 |
| Average equity | $57,599,000 | 1,177 |
| Average total loans | $377,969,500 | 1,321 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5296% | 2,807 |
| Cost of funding earning assets | 2.5154% | 4,116 |
| Net interest margin | 4.0142% | 3,052 |
| Noninterest income to average assets | 0.2568% | 6,615 |
| Noninterest expense to average assets | 2.9205% | 4,379 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6069% | 4,274 |
| Return on assets (ROA) | 0.6069% | 4,138 |
| Pretax return on assets | 0.9196% | 3,662 |
| Return on Equity (ROE) | 4.8910% | 4,437 |
| Retained earnings to average equity (ytd only) | 4.8910% | 2,091 |
| Net charge-offs to loans | 0.0100% | 6,793 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 113.8571% | 389 |
| Efficiency ratio | 76.0531% | 3,230 |
| Assets per employee ($millions) | 4.7079% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6893% | 7,461 |
| Loan loss allowance to noncurrent loans | 40.7974% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 1.4996% | 3,218 |
| Noncurrent loans to loans | 1.6895% | 3,237 |
| Net loans and leases to total assets | 79.2360% | 1,826 |
| Net loans and leases to deposits | 90.1679% | 3,423 |
| Net loans and leases to core deposits | 155.1632% | 681 |
| Total domestic deposits to total assets | 87.8760% | 1,526 |
| Equity capital to assets | 11.8009% | 2,430 |
| Core capital (leverage) ratio | 8.2297% | 6,107 |
| Tier 1 risk-based capital ratio | 9.3567% | 7,452 |
| Total risk-based capital ratio | 10.0231% | 7,992 |
| Memoranda: | ||
| Average total assets | $433,345,200 | 1,572 |
| Average earning assets | $386,823,000 | 1,602 |
| Average equity | $53,772,200 | 1,253 |
| Average total loans | $350,914,000 | 1,382 |