Home > Guaranty Bank > Performance and Condition Ratios
Guaranty Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8195% | 3,691 |
| Cost of funding earning assets | 0.0497% | 5,784 |
| Net interest margin | 3.7697% | 2,225 |
| Noninterest income to average assets | 6.7725% | 89 |
| Noninterest expense to average assets | 9.2844% | 80 |
| Loan and lease loss provision to assets | 0.1780% | 981 |
| Net operating income to assets | 0.4433% | 4,802 |
| Return on assets (ROA) | 0.4433% | 4,824 |
| Pretax return on assets | 0.4292% | 5,102 |
| Return on Equity (ROE) | 21.5039% | 168 |
| Retained earnings to average equity (ytd only) | 21.5039% | 85 |
| Net charge-offs to loans | 0.3900% | 472 |
| Credit loss provision to net charge-offs | 63.2312% | 1,881 |
| Earnings coverage of net charge-offs (x) | 2.1574% | 2,633 |
| Efficiency ratio | 93.8615% | 389 |
| Assets per employee ($millions) | 1.1440% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3984% | 2,083 |
| Loan loss allowance to noncurrent loans | 30.8217% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 3.4031% | 256 |
| Noncurrent loans to loans | 4.5372% | 198 |
| Net loans and leases to total assets | 71.0204% | 2,217 |
| Net loans and leases to deposits | 73.1378% | 3,491 |
| Net loans and leases to core deposits | 73.1871% | 3,902 |
| Total domestic deposits to total assets | 97.1050% | 4 |
| Equity capital to assets | 2.0939% | 5,851 |
| Core capital (leverage) ratio | 2.1032% | 5,852 |
| Tier 1 risk-based capital ratio | 3.1184% | 5,852 |
| Total risk-based capital ratio | 4.3732% | 5,852 |
| Memoranda: | ||
| Average total assets | $1,020,418,500 | 738 |
| Average earning assets | $844,302,000 | 830 |
| Average equity | $21,038,000 | 3,082 |
| Average total loans | $736,456,000 | 714 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7705% | 3,992 |
| Cost of funding earning assets | 0.0323% | 5,859 |
| Net interest margin | 3.7382% | 2,546 |
| Noninterest income to average assets | 6.2827% | 93 |
| Noninterest expense to average assets | 9.4107% | 81 |
| Loan and lease loss provision to assets | 0.3532% | 481 |
| Net operating income to assets | -0.4142% | 5,768 |
| Return on assets (ROA) | -0.4142% | 5,776 |
| Pretax return on assets | -0.4057% | 5,765 |
| Return on Equity (ROE) | -18.6631% | 5,875 |
| Retained earnings to average equity (ytd only) | -18.6631% | 5,851 |
| Net charge-offs to loans | 0.6587% | 335 |
| Credit loss provision to net charge-offs | 71.6864% | 3,112 |
| Earnings coverage of net charge-offs (x) | -0.1065% | 4,138 |
| Efficiency ratio | 100.5606% | 215 |
| Assets per employee ($millions) | 1.0884% | 5,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4607% | 1,834 |
| Loan loss allowance to noncurrent loans | 29.1131% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 3.8884% | 200 |
| Noncurrent loans to loans | 5.0173% | 158 |
| Net loans and leases to total assets | 71.2631% | 2,292 |
| Net loans and leases to deposits | 75.6021% | 3,362 |
| Net loans and leases to core deposits | 75.6557% | 3,776 |
| Total domestic deposits to total assets | 94.2608% | 19 |
| Equity capital to assets | 2.0288% | 5,907 |
| Core capital (leverage) ratio | 2.0048% | 5,909 |
| Tier 1 risk-based capital ratio | 3.0133% | 5,909 |
| Total risk-based capital ratio | 4.2687% | 5,909 |
| Memoranda: | ||
| Average total assets | $1,012,201,200 | 713 |
| Average earning assets | $832,758,000 | 792 |
| Average equity | $22,466,800 | 2,945 |
| Average total loans | $757,044,400 | 660 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7546% | 4,063 |
| Cost of funding earning assets | 0.0285% | 5,927 |
| Net interest margin | 3.7260% | 2,613 |
| Noninterest income to average assets | 6.3574% | 94 |
| Noninterest expense to average assets | 9.2605% | 83 |
| Loan and lease loss provision to assets | 0.2770% | 627 |
| Net operating income to assets | -0.1330% | 5,771 |
| Return on assets (ROA) | -0.1330% | 5,788 |
| Pretax return on assets | -0.1236% | 5,778 |
| Return on Equity (ROE) | -5.6103% | 5,870 |
| Retained earnings to average equity (ytd only) | -5.6103% | 5,751 |
| Net charge-offs to loans | 0.6875% | 273 |
| Credit loss provision to net charge-offs | 53.4907% | 2,987 |
| Earnings coverage of net charge-offs (x) | 0.2963% | 3,804 |
| Efficiency ratio | 98.3702% | 252 |
| Assets per employee ($millions) | 1.1035% | 5,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3029% | 2,676 |
| Loan loss allowance to noncurrent loans | 26.9641% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 3.9977% | 213 |
| Noncurrent loans to loans | 4.8321% | 183 |
| Net loans and leases to total assets | 77.5689% | 1,275 |
| Net loans and leases to deposits | 80.1824% | 2,941 |
| Net loans and leases to core deposits | 80.2384% | 3,425 |
| Total domestic deposits to total assets | 96.7405% | 5 |
| Equity capital to assets | 2.3878% | 5,976 |
| Core capital (leverage) ratio | 2.3080% | 5,976 |
| Tier 1 risk-based capital ratio | 3.2339% | 5,978 |
| Total risk-based capital ratio | 4.4881% | 5,978 |
| Memoranda: | ||
| Average total assets | $1,014,147,750 | 710 |
| Average earning assets | $831,926,000 | 792 |
| Average equity | $24,050,500 | 2,816 |
| Average total loans | $763,891,000 | 654 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7039% | 4,290 |
| Cost of funding earning assets | 0.0234% | 6,017 |
| Net interest margin | 3.6805% | 2,782 |
| Noninterest income to average assets | 6.3054% | 93 |
| Noninterest expense to average assets | 9.3453% | 81 |
| Loan and lease loss provision to assets | 0.2037% | 1,050 |
| Net operating income to assets | -0.2355% | 5,859 |
| Return on assets (ROA) | -0.2355% | 5,873 |
| Pretax return on assets | -0.2212% | 5,862 |
| Return on Equity (ROE) | -9.9545% | 5,981 |
| Retained earnings to average equity (ytd only) | -9.9545% | 5,881 |
| Net charge-offs to loans | 0.7119% | 292 |
| Credit loss provision to net charge-offs | 38.5444% | 2,786 |
| Earnings coverage of net charge-offs (x) | -0.0330% | 3,564 |
| Efficiency ratio | 100.1873% | 239 |
| Assets per employee ($millions) | 1.1009% | 6,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3588% | 2,492 |
| Loan loss allowance to noncurrent loans | 25.5057% | 5,350 |
| Noncurrent assets plus other real estate owned to assets | 4.2937% | 191 |
| Noncurrent loans to loans | 5.3275% | 156 |
| Net loans and leases to total assets | 75.8031% | 1,523 |
| Net loans and leases to deposits | 78.3867% | 3,113 |
| Net loans and leases to core deposits | 78.4415% | 3,611 |
| Total domestic deposits to total assets | 96.7040% | 6 |
| Equity capital to assets | 2.3742% | 6,053 |
| Core capital (leverage) ratio | 2.2665% | 6,053 |
| Tier 1 risk-based capital ratio | 3.2805% | 6,054 |
| Total risk-based capital ratio | 4.5360% | 6,054 |
| Memoranda: | ||
| Average total assets | $1,018,933,330 | 706 |
| Average earning assets | $836,736,000 | 787 |
| Average equity | $24,109,670 | 2,824 |
| Average total loans | $756,599,670 | 659 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6385% | 4,510 |
| Cost of funding earning assets | 0.0227% | 6,074 |
| Net interest margin | 3.6158% | 3,020 |
| Noninterest income to average assets | 5.9893% | 95 |
| Noninterest expense to average assets | 9.2792% | 80 |
| Loan and lease loss provision to assets | 0.0268% | 3,312 |
| Net operating income to assets | -0.3411% | 5,930 |
| Return on assets (ROA) | -0.3411% | 5,936 |
| Pretax return on assets | -0.3415% | 5,922 |
| Return on Equity (ROE) | -14.4381% | 6,047 |
| Retained earnings to average equity (ytd only) | -14.4381% | 5,898 |
| Net charge-offs to loans | 0.9148% | 213 |
| Credit loss provision to net charge-offs | 4.0140% | 2,403 |
| Earnings coverage of net charge-offs (x) | -0.4712% | 2,998 |
| Efficiency ratio | 103.5100% | 220 |
| Assets per employee ($millions) | 1.1142% | 6,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 2,599 |
| Loan loss allowance to noncurrent loans | 23.4632% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 4.5885% | 190 |
| Noncurrent loans to loans | 5.8010% | 153 |
| Net loans and leases to total assets | 73.6666% | 1,783 |
| Net loans and leases to deposits | 76.1065% | 3,209 |
| Net loans and leases to core deposits | 76.1583% | 3,668 |
| Total domestic deposits to total assets | 96.7940% | 6 |
| Equity capital to assets | 2.3372% | 6,113 |
| Core capital (leverage) ratio | 2.3148% | 6,113 |
| Tier 1 risk-based capital ratio | 3.3011% | 6,118 |
| Total risk-based capital ratio | 4.5560% | 6,118 |
| Memoranda: | ||
| Average total assets | $1,029,700,500 | 699 |
| Average earning assets | $847,273,000 | 781 |
| Average equity | $24,324,500 | 2,806 |
| Average total loans | $751,662,500 | 665 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3671% | 5,229 |
| Cost of funding earning assets | 0.0273% | 6,132 |
| Net interest margin | 3.3399% | 4,151 |
| Noninterest income to average assets | 6.4789% | 95 |
| Noninterest expense to average assets | 9.6059% | 76 |
| Loan and lease loss provision to assets | -0.3307% | 6,076 |
| Net operating income to assets | -0.0379% | 5,889 |
| Return on assets (ROA) | -0.0379% | 5,911 |
| Pretax return on assets | -0.0465% | 5,906 |
| Return on Equity (ROE) | -1.5494% | 5,962 |
| Retained earnings to average equity (ytd only) | -1.5494% | 5,719 |
| Net charge-offs to loans | 0.9622% | 215 |
| Credit loss provision to net charge-offs | -51.6393% | 5,055 |
| Earnings coverage of net charge-offs (x) | -0.5889% | 4,315 |
| Efficiency ratio | 104.0867% | 214 |
| Assets per employee ($millions) | 1.0730% | 6,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6360% | 1,505 |
| Loan loss allowance to noncurrent loans | 24.2979% | 5,421 |
| Noncurrent assets plus other real estate owned to assets | 5.0856% | 168 |
| Noncurrent loans to loans | 6.7332% | 112 |
| Net loans and leases to total assets | 70.1614% | 2,338 |
| Net loans and leases to deposits | 73.9532% | 3,502 |
| Net loans and leases to core deposits | 74.0039% | 3,942 |
| Total domestic deposits to total assets | 94.8727% | 18 |
| Equity capital to assets | 2.3872% | 6,175 |
| Core capital (leverage) ratio | 2.3865% | 6,176 |
| Tier 1 risk-based capital ratio | 3.5286% | 6,175 |
| Total risk-based capital ratio | 4.7855% | 6,176 |
| Memoranda: | ||
| Average total assets | $1,028,759,800 | 669 |
| Average earning assets | $847,038,000 | 744 |
| Average equity | $25,171,000 | 2,675 |
| Average total loans | $684,678,200 | 683 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3058% | 5,398 |
| Cost of funding earning assets | 0.0288% | 6,215 |
| Net interest margin | 3.2770% | 4,438 |
| Noninterest income to average assets | 6.5210% | 100 |
| Noninterest expense to average assets | 9.5391% | 84 |
| Loan and lease loss provision to assets | -0.5429% | 6,218 |
| Net operating income to assets | 0.2366% | 5,599 |
| Return on assets (ROA) | 0.2366% | 5,676 |
| Pretax return on assets | 0.2231% | 5,760 |
| Return on Equity (ROE) | 9.6106% | 2,257 |
| Retained earnings to average equity (ytd only) | 9.6106% | 708 |
| Net charge-offs to loans | 0.9419% | 204 |
| Credit loss provision to net charge-offs | -88.1931% | 5,036 |
| Earnings coverage of net charge-offs (x) | -0.5195% | 4,026 |
| Efficiency ratio | 103.4685% | 223 |
| Assets per employee ($millions) | 1.0432% | 6,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7915% | 1,285 |
| Loan loss allowance to noncurrent loans | 25.7995% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 5.3781% | 170 |
| Noncurrent loans to loans | 6.9441% | 103 |
| Net loans and leases to total assets | 71.8950% | 2,078 |
| Net loans and leases to deposits | 74.6487% | 3,460 |
| Net loans and leases to core deposits | 74.7207% | 3,937 |
| Total domestic deposits to total assets | 96.3112% | 6 |
| Equity capital to assets | 2.6963% | 6,261 |
| Core capital (leverage) ratio | 2.5886% | 6,259 |
| Tier 1 risk-based capital ratio | 3.9027% | 6,260 |
| Total risk-based capital ratio | 5.1628% | 6,260 |
| Memoranda: | ||
| Average total assets | $1,027,368,750 | 675 |
| Average earning assets | $845,957,750 | 753 |
| Average equity | $25,291,000 | 2,693 |
| Average total loans | $671,406,250 | 699 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1836% | 5,647 |
| Cost of funding earning assets | 0.0307% | 6,290 |
| Net interest margin | 3.1530% | 4,819 |
| Noninterest income to average assets | 6.3497% | 109 |
| Noninterest expense to average assets | 9.2798% | 89 |
| Loan and lease loss provision to assets | -0.0786% | 6,064 |
| Net operating income to assets | -0.2311% | 6,115 |
| Return on assets (ROA) | -0.2311% | 6,133 |
| Pretax return on assets | -0.2512% | 6,131 |
| Return on Equity (ROE) | -9.6842% | 6,255 |
| Retained earnings to average equity (ytd only) | -9.6842% | 6,172 |
| Net charge-offs to loans | 0.8991% | 228 |
| Credit loss provision to net charge-offs | -13.9098% | 4,705 |
| Earnings coverage of net charge-offs (x) | -0.5837% | 3,754 |
| Efficiency ratio | 103.6841% | 255 |
| Assets per employee ($millions) | 1.0633% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6805% | 382 |
| Loan loss allowance to noncurrent loans | 31.4840% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 6.0375% | 157 |
| Noncurrent loans to loans | 8.5140% | 71 |
| Net loans and leases to total assets | 66.3324% | 2,894 |
| Net loans and leases to deposits | 68.6354% | 4,071 |
| Net loans and leases to core deposits | 68.6998% | 4,437 |
| Total domestic deposits to total assets | 96.6446% | 4 |
| Equity capital to assets | 2.3338% | 6,338 |
| Core capital (leverage) ratio | 2.2549% | 6,339 |
| Tier 1 risk-based capital ratio | 3.5926% | 6,338 |
| Total risk-based capital ratio | 4.8633% | 6,338 |
| Memoranda: | ||
| Average total assets | $1,036,014,670 | 680 |
| Average earning assets | $854,430,330 | 755 |
| Average equity | $24,720,670 | 2,747 |
| Average total loans | $650,837,330 | 720 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0635% | 5,828 |
| Cost of funding earning assets | 0.0337% | 6,361 |
| Net interest margin | 3.0298% | 5,127 |
| Noninterest income to average assets | 6.3407% | 112 |
| Noninterest expense to average assets | 8.9561% | 98 |
| Loan and lease loss provision to assets | -0.0638% | 6,180 |
| Net operating income to assets | -0.0661% | 6,071 |
| Return on assets (ROA) | -0.0661% | 6,105 |
| Pretax return on assets | -0.0649% | 6,092 |
| Return on Equity (ROE) | -2.7388% | 6,208 |
| Retained earnings to average equity (ytd only) | -2.7388% | 5,768 |
| Net charge-offs to loans | 0.9245% | 259 |
| Credit loss provision to net charge-offs | -11.4562% | 4,309 |
| Earnings coverage of net charge-offs (x) | -0.2312% | 3,130 |
| Efficiency ratio | 101.4575% | 335 |
| Assets per employee ($millions) | 1.0982% | 6,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1656% | 252 |
| Loan loss allowance to noncurrent loans | 26.5062% | 5,615 |
| Noncurrent assets plus other real estate owned to assets | 7.6075% | 109 |
| Noncurrent loans to loans | 11.9429% | 40 |
| Net loans and leases to total assets | 59.4439% | 3,738 |
| Net loans and leases to deposits | 61.5150% | 4,623 |
| Net loans and leases to core deposits | 61.5712% | 4,870 |
| Total domestic deposits to total assets | 96.6332% | 5 |
| Equity capital to assets | 2.3829% | 6,410 |
| Core capital (leverage) ratio | 2.3412% | 6,410 |
| Tier 1 risk-based capital ratio | 3.9147% | 6,409 |
| Total risk-based capital ratio | 5.1908% | 6,408 |
| Memoranda: | ||
| Average total assets | $1,041,527,000 | 679 |
| Average earning assets | $854,842,500 | 754 |
| Average equity | $25,120,500 | 2,738 |
| Average total loans | $626,942,500 | 743 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7958% | 6,205 |
| Cost of funding earning assets | 0.0789% | 6,372 |
| Net interest margin | 2.7169% | 5,914 |
| Noninterest income to average assets | 9.2913% | 71 |
| Noninterest expense to average assets | 11.0404% | 65 |
| Loan and lease loss provision to assets | 0.6091% | 229 |
| Net operating income to assets | -0.1419% | 6,182 |
| Return on assets (ROA) | 0.0130% | 6,095 |
| Pretax return on assets | 0.0086% | 6,087 |
| Return on Equity (ROE) | 0.4936% | 6,039 |
| Retained earnings to average equity (ytd only) | 0.4936% | 5,552 |
| Net charge-offs to loans | 2.8386% | 41 |
| Credit loss provision to net charge-offs | 41.7209% | 3,642 |
| Earnings coverage of net charge-offs (x) | 0.3170% | 4,662 |
| Efficiency ratio | 95.9775% | 509 |
| Assets per employee ($millions) | 0.9781% | 6,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6281% | 167 |
| Loan loss allowance to noncurrent loans | 27.2245% | 5,717 |
| Noncurrent assets plus other real estate owned to assets | 8.0457% | 117 |
| Noncurrent loans to loans | 13.3265% | 37 |
| Net loans and leases to total assets | 56.8377% | 4,223 |
| Net loans and leases to deposits | 59.3272% | 4,956 |
| Net loans and leases to core deposits | 59.3830% | 5,184 |
| Total domestic deposits to total assets | 95.8038% | 12 |
| Equity capital to assets | 2.4415% | 6,497 |
| Core capital (leverage) ratio | 2.3326% | 6,500 |
| Tier 1 risk-based capital ratio | 3.8975% | 6,497 |
| Total risk-based capital ratio | 5.1765% | 6,497 |
| Memoranda: | ||
| Average total assets | $1,085,123,800 | 619 |
| Average earning assets | $883,394,800 | 694 |
| Average equity | $28,564,000 | 2,370 |
| Average total loans | $558,058,800 | 795 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7549% | 6,306 |
| Cost of funding earning assets | 0.0894% | 6,443 |
| Net interest margin | 2.6655% | 6,047 |
| Noninterest income to average assets | 10.1182% | 67 |
| Noninterest expense to average assets | 11.1928% | 61 |
| Loan and lease loss provision to assets | 0.5724% | 242 |
| Net operating income to assets | 0.5318% | 4,753 |
| Return on assets (ROA) | 0.5321% | 4,824 |
| Pretax return on assets | 0.5249% | 5,252 |
| Return on Equity (ROE) | 19.8778% | 291 |
| Retained earnings to average equity (ytd only) | 19.8778% | 69 |
| Net charge-offs to loans | 3.1592% | 32 |
| Credit loss provision to net charge-offs | 36.4895% | 3,345 |
| Earnings coverage of net charge-offs (x) | 0.6992% | 4,333 |
| Efficiency ratio | 91.0744% | 766 |
| Assets per employee ($millions) | 0.9629% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3038% | 124 |
| Loan loss allowance to noncurrent loans | 28.4118% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 7.8117% | 136 |
| Noncurrent loans to loans | 15.1480% | 33 |
| Net loans and leases to total assets | 48.4105% | 5,162 |
| Net loans and leases to deposits | 50.7117% | 5,603 |
| Net loans and leases to core deposits | 50.7712% | 5,751 |
| Total domestic deposits to total assets | 95.4622% | 22 |
| Equity capital to assets | 2.7775% | 6,568 |
| Core capital (leverage) ratio | 2.7608% | 6,570 |
| Tier 1 risk-based capital ratio | 5.3238% | 6,559 |
| Total risk-based capital ratio | 6.6101% | 6,560 |
| Memoranda: | ||
| Average total assets | $1,098,664,500 | 610 |
| Average earning assets | $895,056,250 | 688 |
| Average equity | $29,412,250 | 2,321 |
| Average total loans | $545,564,750 | 810 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7318% | 6,379 |
| Cost of funding earning assets | 0.0977% | 6,487 |
| Net interest margin | 2.6341% | 6,132 |
| Noninterest income to average assets | 11.0384% | 60 |
| Noninterest expense to average assets | 11.5045% | 63 |
| Loan and lease loss provision to assets | 0.8250% | 143 |
| Net operating income to assets | 0.8457% | 3,094 |
| Return on assets (ROA) | 0.8462% | 3,194 |
| Pretax return on assets | 0.8529% | 4,067 |
| Return on Equity (ROE) | 31.9921% | 47 |
| Retained earnings to average equity (ytd only) | 31.9921% | 26 |
| Net charge-offs to loans | 3.3526% | 40 |
| Credit loss provision to net charge-offs | 49.8532% | 2,797 |
| Earnings coverage of net charge-offs (x) | 1.0136% | 3,909 |
| Efficiency ratio | 87.2751% | 1,155 |
| Assets per employee ($millions) | 0.9822% | 6,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0971% | 84 |
| Loan loss allowance to noncurrent loans | 30.3859% | 5,773 |
| Noncurrent assets plus other real estate owned to assets | 8.1695% | 131 |
| Noncurrent loans to loans | 16.7744% | 24 |
| Net loans and leases to total assets | 45.2799% | 5,431 |
| Net loans and leases to deposits | 47.3779% | 5,803 |
| Net loans and leases to core deposits | 47.4315% | 5,927 |
| Total domestic deposits to total assets | 95.5718% | 23 |
| Equity capital to assets | 2.7155% | 6,634 |
| Core capital (leverage) ratio | 2.6969% | 6,638 |
| Tier 1 risk-based capital ratio | 5.4189% | 6,622 |
| Total risk-based capital ratio | 6.7141% | 6,623 |
| Memoranda: | ||
| Average total assets | $1,111,496,670 | 604 |
| Average earning assets | $904,452,330 | 672 |
| Average equity | $29,401,000 | 2,303 |
| Average total loans | $548,648,000 | 798 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7306% | 6,440 |
| Cost of funding earning assets | 0.1106% | 6,529 |
| Net interest margin | 2.6200% | 6,209 |
| Noninterest income to average assets | 14.3634% | 51 |
| Noninterest expense to average assets | 12.5163% | 58 |
| Loan and lease loss provision to assets | 1.0015% | 111 |
| Net operating income to assets | 2.9681% | 99 |
| Return on assets (ROA) | 2.9681% | 101 |
| Pretax return on assets | 2.9717% | 143 |
| Return on Equity (ROE) | 113.6890% | 7 |
| Retained earnings to average equity (ytd only) | 113.6890% | 5 |
| Net charge-offs to loans | 3.6504% | 44 |
| Credit loss provision to net charge-offs | 54.6857% | 2,160 |
| Earnings coverage of net charge-offs (x) | 2.1695% | 2,936 |
| Efficiency ratio | 75.9048% | 2,821 |
| Assets per employee ($millions) | 1.0358% | 6,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2709% | 81 |
| Loan loss allowance to noncurrent loans | 30.7571% | 5,841 |
| Noncurrent assets plus other real estate owned to assets | 8.3792% | 154 |
| Noncurrent loans to loans | 17.1371% | 29 |
| Net loans and leases to total assets | 45.5715% | 5,377 |
| Net loans and leases to deposits | 47.7077% | 5,747 |
| Net loans and leases to core deposits | 47.7706% | 5,888 |
| Total domestic deposits to total assets | 95.5224% | 28 |
| Equity capital to assets | 2.9198% | 6,694 |
| Core capital (leverage) ratio | 2.9046% | 6,703 |
| Tier 1 risk-based capital ratio | 5.9424% | 6,680 |
| Total risk-based capital ratio | 7.2412% | 6,678 |
| Memoranda: | ||
| Average total assets | $1,118,702,500 | 606 |
| Average earning assets | $907,776,000 | 677 |
| Average equity | $29,206,000 | 2,313 |
| Average total loans | $561,252,500 | 782 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0540% | 6,286 |
| Cost of funding earning assets | 0.1584% | 6,506 |
| Net interest margin | 2.8956% | 5,792 |
| Noninterest income to average assets | 8.7001% | 77 |
| Noninterest expense to average assets | 10.7701% | 72 |
| Loan and lease loss provision to assets | 1.4305% | 101 |
| Net operating income to assets | -1.2052% | 6,636 |
| Return on assets (ROA) | 1.4484% | 960 |
| Pretax return on assets | 1.4932% | 1,463 |
| Return on Equity (ROE) | 61.9133% | 11 |
| Retained earnings to average equity (ytd only) | 61.9133% | 4 |
| Net charge-offs to loans | 4.0182% | 39 |
| Credit loss provision to net charge-offs | 61.3768% | 3,516 |
| Earnings coverage of net charge-offs (x) | 0.1159% | 5,045 |
| Efficiency ratio | 97.5537% | 560 |
| Assets per employee ($millions) | 0.9802% | 6,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4624% | 71 |
| Loan loss allowance to noncurrent loans | 35.6166% | 5,763 |
| Noncurrent assets plus other real estate owned to assets | 8.2250% | 178 |
| Noncurrent loans to loans | 15.3367% | 37 |
| Net loans and leases to total assets | 49.4645% | 5,139 |
| Net loans and leases to deposits | 51.5942% | 5,654 |
| Net loans and leases to core deposits | 51.6776% | 5,816 |
| Total domestic deposits to total assets | 95.8721% | 29 |
| Equity capital to assets | 2.2881% | 6,782 |
| Core capital (leverage) ratio | 2.2728% | 6,788 |
| Tier 1 risk-based capital ratio | 4.1989% | 6,778 |
| Total risk-based capital ratio | 5.4989% | 6,780 |
| Memoranda: | ||
| Average total assets | $1,139,311,200 | 577 |
| Average earning assets | $920,738,400 | 646 |
| Average equity | $26,653,400 | 2,490 |
| Average total loans | $660,841,000 | 638 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0935% | 6,327 |
| Cost of funding earning assets | 0.1658% | 6,573 |
| Net interest margin | 2.9276% | 5,749 |
| Noninterest income to average assets | 8.6421% | 79 |
| Noninterest expense to average assets | 10.5916% | 73 |
| Loan and lease loss provision to assets | 1.4207% | 84 |
| Net operating income to assets | -1.0587% | 6,714 |
| Return on assets (ROA) | 2.3885% | 205 |
| Pretax return on assets | 2.4482% | 257 |
| Return on Equity (ROE) | 101.5681% | 4 |
| Retained earnings to average equity (ytd only) | 101.5681% | 2 |
| Net charge-offs to loans | 3.8183% | 47 |
| Credit loss provision to net charge-offs | 62.6847% | 3,232 |
| Earnings coverage of net charge-offs (x) | 0.1860% | 4,801 |
| Efficiency ratio | 96.1716% | 612 |
| Assets per employee ($millions) | 1.0014% | 6,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5958% | 75 |
| Loan loss allowance to noncurrent loans | 38.8241% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 8.0474% | 221 |
| Noncurrent loans to loans | 14.4133% | 48 |
| Net loans and leases to total assets | 51.5665% | 4,936 |
| Net loans and leases to deposits | 53.9723% | 5,541 |
| Net loans and leases to core deposits | 54.0578% | 5,761 |
| Total domestic deposits to total assets | 95.5426% | 30 |
| Equity capital to assets | 2.6066% | 6,856 |
| Core capital (leverage) ratio | 2.5873% | 6,864 |
| Tier 1 risk-based capital ratio | 4.6893% | 6,853 |
| Total risk-based capital ratio | 5.9923% | 6,854 |
| Memoranda: | ||
| Average total assets | $1,150,422,750 | 572 |
| Average earning assets | $931,743,250 | 642 |
| Average equity | $27,053,750 | 2,476 |
| Average total loans | $682,836,000 | 615 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1499% | 6,291 |
| Cost of funding earning assets | 0.1696% | 6,627 |
| Net interest margin | 2.9803% | 5,612 |
| Noninterest income to average assets | 8.5943% | 82 |
| Noninterest expense to average assets | 10.4407% | 74 |
| Loan and lease loss provision to assets | 1.4425% | 94 |
| Net operating income to assets | -0.9464% | 6,744 |
| Return on assets (ROA) | 4.2000% | 56 |
| Pretax return on assets | 4.2746% | 75 |
| Return on Equity (ROE) | 185.0570% | 3 |
| Retained earnings to average equity (ytd only) | 185.0570% | 2 |
| Net charge-offs to loans | 3.2230% | 89 |
| Credit loss provision to net charge-offs | 73.5155% | 2,755 |
| Earnings coverage of net charge-offs (x) | 0.2908% | 4,449 |
| Efficiency ratio | 94.8174% | 717 |
| Assets per employee ($millions) | 1.0199% | 6,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9964% | 61 |
| Loan loss allowance to noncurrent loans | 41.6798% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 8.0510% | 250 |
| Noncurrent loans to loans | 14.3868% | 57 |
| Net loans and leases to total assets | 52.1391% | 4,844 |
| Net loans and leases to deposits | 54.6299% | 5,465 |
| Net loans and leases to core deposits | 54.7136% | 5,694 |
| Total domestic deposits to total assets | 95.4406% | 33 |
| Equity capital to assets | 2.8439% | 6,903 |
| Core capital (leverage) ratio | 2.8268% | 6,909 |
| Tier 1 risk-based capital ratio | 5.0244% | 6,896 |
| Total risk-based capital ratio | 6.3320% | 6,897 |
| Memoranda: | ||
| Average total assets | $1,160,379,000 | 564 |
| Average earning assets | $941,121,000 | 635 |
| Average equity | $26,335,670 | 2,556 |
| Average total loans | $706,420,670 | 591 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3298% | 6,095 |
| Cost of funding earning assets | 0.1773% | 6,687 |
| Net interest margin | 3.1524% | 5,085 |
| Noninterest income to average assets | 8.4004% | 84 |
| Noninterest expense to average assets | 10.3696% | 79 |
| Loan and lease loss provision to assets | 1.6482% | 80 |
| Net operating income to assets | -1.1973% | 6,848 |
| Return on assets (ROA) | 9.3982% | 23 |
| Pretax return on assets | 9.5319% | 30 |
| Return on Equity (ROE) | 473.9242% | 3 |
| Retained earnings to average equity (ytd only) | 473.9242% | 2 |
| Net charge-offs to loans | 3.3974% | 96 |
| Credit loss provision to net charge-offs | 76.3036% | 2,209 |
| Earnings coverage of net charge-offs (x) | 0.2706% | 3,731 |
| Efficiency ratio | 94.6639% | 797 |
| Assets per employee ($millions) | 1.0906% | 6,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1388% | 69 |
| Loan loss allowance to noncurrent loans | 41.6190% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 8.2084% | 300 |
| Noncurrent loans to loans | 14.7501% | 80 |
| Net loans and leases to total assets | 51.5763% | 4,759 |
| Net loans and leases to deposits | 54.0288% | 5,434 |
| Net loans and leases to core deposits | 54.1094% | 5,657 |
| Total domestic deposits to total assets | 95.4608% | 38 |
| Equity capital to assets | 3.0279% | 6,979 |
| Core capital (leverage) ratio | 3.0035% | 6,970 |
| Tier 1 risk-based capital ratio | 5.5436% | 6,942 |
| Total risk-based capital ratio | 6.8583% | 6,945 |
| Memoranda: | ||
| Average total assets | $1,161,283,000 | 568 |
| Average earning assets | $940,729,000 | 642 |
| Average equity | $23,029,000 | 2,914 |
| Average total loans | $738,330,000 | 571 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8198% | 5,775 |
| Cost of funding earning assets | 0.2355% | 6,729 |
| Net interest margin | 3.5843% | 4,163 |
| Noninterest income to average assets | 13.8376% | 58 |
| Noninterest expense to average assets | 15.9978% | 48 |
| Loan and lease loss provision to assets | 2.9324% | 41 |
| Net operating income to assets | -2.1852% | 6,950 |
| Return on assets (ROA) | -2.3926% | 6,969 |
| Pretax return on assets | -2.4462% | 6,976 |
| Return on Equity (ROE) | -124.0454% | 7,077 |
| Retained earnings to average equity (ytd only) | -124.0454% | 7,077 |
| Net charge-offs to loans | 4.8637% | 37 |
| Credit loss provision to net charge-offs | 84.4814% | 3,680 |
| Earnings coverage of net charge-offs (x) | 0.1986% | 5,377 |
| Efficiency ratio | 95.8699% | 714 |
| Assets per employee ($millions) | 0.7379% | 7,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0419% | 131 |
| Loan loss allowance to noncurrent loans | 42.2695% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 8.7908% | 289 |
| Noncurrent loans to loans | 11.9279% | 155 |
| Net loans and leases to total assets | 68.9479% | 2,045 |
| Net loans and leases to deposits | 71.2528% | 3,528 |
| Net loans and leases to core deposits | 71.3624% | 4,121 |
| Total domestic deposits to total assets | 96.7651% | 19 |
| Equity capital to assets | 0.8897% | 7,077 |
| Core capital (leverage) ratio | 1.0584% | 7,077 |
| Tier 1 risk-based capital ratio | 1.6122% | 7,077 |
| Total risk-based capital ratio | 2.9191% | 7,077 |
| Memoranda: | ||
| Average total assets | $1,173,106,800 | 562 |
| Average earning assets | $932,561,800 | 643 |
| Average equity | $22,627,200 | 2,898 |
| Average total loans | $837,203,200 | 489 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 5,944 |
| Cost of funding earning assets | 0.2435% | 6,837 |
| Net interest margin | 3.5891% | 4,279 |
| Noninterest income to average assets | 13.6241% | 59 |
| Noninterest expense to average assets | 15.8863% | 49 |
| Loan and lease loss provision to assets | 3.1514% | 33 |
| Net operating income to assets | -2.4850% | 7,089 |
| Return on assets (ROA) | -2.6303% | 7,097 |
| Pretax return on assets | -2.7036% | 7,098 |
| Return on Equity (ROE) | -120.7602% | 7,167 |
| Retained earnings to average equity (ytd only) | -120.7602% | 7,167 |
| Net charge-offs to loans | 5.2378% | 33 |
| Credit loss provision to net charge-offs | 84.6599% | 3,473 |
| Earnings coverage of net charge-offs (x) | 0.1578% | 5,253 |
| Efficiency ratio | 96.4352% | 660 |
| Assets per employee ($millions) | 0.7580% | 7,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0038% | 147 |
| Loan loss allowance to noncurrent loans | 44.2773% | 5,443 |
| Noncurrent assets plus other real estate owned to assets | 8.5184% | 343 |
| Noncurrent loans to loans | 11.3011% | 191 |
| Net loans and leases to total assets | 70.4841% | 1,814 |
| Net loans and leases to deposits | 73.1680% | 3,419 |
| Net loans and leases to core deposits | 73.2792% | 4,074 |
| Total domestic deposits to total assets | 96.3318% | 24 |
| Equity capital to assets | 1.2962% | 7,174 |
| Core capital (leverage) ratio | 1.4064% | 7,175 |
| Tier 1 risk-based capital ratio | 2.1065% | 7,174 |
| Total risk-based capital ratio | 3.4141% | 7,174 |
| Memoranda: | ||
| Average total assets | $1,182,649,500 | 563 |
| Average earning assets | $938,936,250 | 638 |
| Average equity | $25,759,500 | 2,613 |
| Average total loans | $840,488,500 | 491 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 6,196 |
| Cost of funding earning assets | 0.2570% | 6,887 |
| Net interest margin | 3.5210% | 4,590 |
| Noninterest income to average assets | 13.5263% | 59 |
| Noninterest expense to average assets | 15.4484% | 53 |
| Loan and lease loss provision to assets | 3.7901% | 32 |
| Net operating income to assets | -2.8089% | 7,144 |
| Return on assets (ROA) | -2.8127% | 7,151 |
| Pretax return on assets | -2.9217% | 7,147 |
| Return on Equity (ROE) | -114.2325% | 7,211 |
| Retained earnings to average equity (ytd only) | -114.2325% | 7,208 |
| Net charge-offs to loans | 5.9132% | 36 |
| Credit loss provision to net charge-offs | 91.4869% | 2,996 |
| Earnings coverage of net charge-offs (x) | 0.2077% | 4,970 |
| Efficiency ratio | 94.7228% | 769 |
| Assets per employee ($millions) | 0.7898% | 7,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4818% | 107 |
| Loan loss allowance to noncurrent loans | 45.2495% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 8.5824% | 374 |
| Noncurrent loans to loans | 12.1145% | 167 |
| Net loans and leases to total assets | 66.5145% | 2,567 |
| Net loans and leases to deposits | 69.2037% | 4,009 |
| Net loans and leases to core deposits | 69.3060% | 4,626 |
| Total domestic deposits to total assets | 96.1141% | 31 |
| Equity capital to assets | 1.7095% | 7,228 |
| Core capital (leverage) ratio | 1.9203% | 7,224 |
| Tier 1 risk-based capital ratio | 2.9541% | 7,216 |
| Total risk-based capital ratio | 4.2655% | 7,216 |
| Memoranda: | ||
| Average total assets | $1,192,577,330 | 557 |
| Average earning assets | $942,506,330 | 637 |
| Average equity | $29,364,670 | 2,299 |
| Average total loans | $835,521,670 | 491 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8518% | 6,137 |
| Cost of funding earning assets | 0.2868% | 6,879 |
| Net interest margin | 3.5651% | 4,420 |
| Noninterest income to average assets | 13.5040% | 57 |
| Noninterest expense to average assets | 15.3272% | 49 |
| Loan and lease loss provision to assets | 3.4784% | 49 |
| Net operating income to assets | -2.2180% | 7,170 |
| Return on assets (ROA) | -1.9179% | 7,149 |
| Pretax return on assets | -2.1353% | 7,146 |
| Return on Equity (ROE) | -67.6321% | 7,250 |
| Retained earnings to average equity (ytd only) | -67.6321% | 7,242 |
| Net charge-offs to loans | 5.3679% | 81 |
| Credit loss provision to net charge-offs | 92.6986% | 2,499 |
| Earnings coverage of net charge-offs (x) | 0.2611% | 4,231 |
| Efficiency ratio | 93.9913% | 824 |
| Assets per employee ($millions) | 0.8376% | 7,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6805% | 98 |
| Loan loss allowance to noncurrent loans | 46.6829% | 5,272 |
| Noncurrent assets plus other real estate owned to assets | 8.3349% | 451 |
| Noncurrent loans to loans | 12.1682% | 197 |
| Net loans and leases to total assets | 63.6200% | 2,919 |
| Net loans and leases to deposits | 66.5677% | 4,294 |
| Net loans and leases to core deposits | 66.6632% | 4,836 |
| Total domestic deposits to total assets | 95.5719% | 46 |
| Equity capital to assets | 2.5378% | 7,255 |
| Core capital (leverage) ratio | 2.7025% | 7,246 |
| Tier 1 risk-based capital ratio | 4.1936% | 7,241 |
| Total risk-based capital ratio | 5.5040% | 7,239 |
| Memoranda: | ||
| Average total assets | $1,195,705,000 | 554 |
| Average earning assets | $940,121,500 | 638 |
| Average equity | $33,907,000 | 2,041 |
| Average total loans | $835,862,500 | 490 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 5,505 |
| Cost of funding earning assets | 0.3866% | 6,925 |
| Net interest margin | 3.9918% | 2,924 |
| Noninterest income to average assets | 11.1997% | 59 |
| Noninterest expense to average assets | 14.3865% | 47 |
| Loan and lease loss provision to assets | 3.0952% | 119 |
| Net operating income to assets | -3.1074% | 7,188 |
| Return on assets (ROA) | -3.1074% | 7,191 |
| Pretax return on assets | -3.1557% | 7,199 |
| Return on Equity (ROE) | -62.0481% | 7,253 |
| Retained earnings to average equity (ytd only) | -62.0481% | 7,253 |
| Net charge-offs to loans | 2.8813% | 352 |
| Credit loss provision to net charge-offs | 150.4761% | 1,875 |
| Earnings coverage of net charge-offs (x) | -0.0294% | 5,847 |
| Efficiency ratio | 99.6094% | 687 |
| Assets per employee ($millions) | 0.8258% | 7,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6749% | 112 |
| Loan loss allowance to noncurrent loans | 146.1543% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 2.9525% | 2,035 |
| Noncurrent loans to loans | 3.8828% | 1,617 |
| Net loans and leases to total assets | 68.3810% | 2,322 |
| Net loans and leases to deposits | 72.1530% | 3,768 |
| Net loans and leases to core deposits | 72.2795% | 4,479 |
| Total domestic deposits to total assets | 94.7723% | 68 |
| Equity capital to assets | 3.1501% | 7,269 |
| Core capital (leverage) ratio | 3.3720% | 7,247 |
| Tier 1 risk-based capital ratio | 4.7973% | 7,250 |
| Total risk-based capital ratio | 6.1086% | 7,250 |
| Memoranda: | ||
| Average total assets | $1,215,220,000 | 538 |
| Average earning assets | $951,715,600 | 621 |
| Average equity | $60,859,200 | 1,109 |
| Average total loans | $867,523,400 | 483 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3363% | 5,829 |
| Cost of funding earning assets | 0.4045% | 7,007 |
| Net interest margin | 3.9318% | 3,223 |
| Noninterest income to average assets | 10.2720% | 63 |
| Noninterest expense to average assets | 14.3399% | 49 |
| Loan and lease loss provision to assets | 0.4349% | 2,303 |
| Net operating income to assets | -1.3515% | 6,999 |
| Return on assets (ROA) | -1.3515% | 7,022 |
| Pretax return on assets | -1.4152% | 6,997 |
| Return on Equity (ROE) | -24.8065% | 7,164 |
| Retained earnings to average equity (ytd only) | -24.8065% | 7,153 |
| Net charge-offs to loans | 0.6934% | 2,181 |
| Credit loss provision to net charge-offs | 88.1796% | 3,841 |
| Earnings coverage of net charge-offs (x) | -1.9877% | 6,021 |
| Efficiency ratio | 106.4773% | 493 |
| Assets per employee ($millions) | 0.8526% | 7,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5066% | 262 |
| Loan loss allowance to noncurrent loans | 124.6251% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 2.7694% | 2,348 |
| Noncurrent loans to loans | 3.6161% | 1,896 |
| Net loans and leases to total assets | 69.5330% | 2,171 |
| Net loans and leases to deposits | 74.7003% | 3,557 |
| Net loans and leases to core deposits | 74.8799% | 4,334 |
| Total domestic deposits to total assets | 93.0826% | 129 |
| Equity capital to assets | 5.1406% | 7,252 |
| Core capital (leverage) ratio | 5.3657% | 7,199 |
| Tier 1 risk-based capital ratio | 7.6257% | 7,213 |
| Total risk-based capital ratio | 8.9212% | 7,214 |
| Memoranda: | ||
| Average total assets | $1,228,148,250 | 541 |
| Average earning assets | $964,462,750 | 621 |
| Average equity | $66,911,000 | 1,008 |
| Average total loans | $873,533,000 | 482 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3046% | 6,009 |
| Cost of funding earning assets | 0.4295% | 7,062 |
| Net interest margin | 3.8751% | 3,411 |
| Noninterest income to average assets | 10.0106% | 67 |
| Noninterest expense to average assets | 14.0891% | 51 |
| Loan and lease loss provision to assets | 0.4903% | 2,008 |
| Net operating income to assets | -1.5274% | 7,103 |
| Return on assets (ROA) | -1.5274% | 7,118 |
| Pretax return on assets | -1.5282% | 7,082 |
| Return on Equity (ROE) | -27.5306% | 7,220 |
| Retained earnings to average equity (ytd only) | -27.5306% | 7,210 |
| Net charge-offs to loans | 0.7167% | 2,080 |
| Credit loss provision to net charge-offs | 96.9280% | 3,250 |
| Earnings coverage of net charge-offs (x) | -2.0522% | 5,716 |
| Efficiency ratio | 107.0851% | 533 |
| Assets per employee ($millions) | 0.8428% | 7,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1393% | 375 |
| Loan loss allowance to noncurrent loans | 103.4553% | 2,781 |
| Noncurrent assets plus other real estate owned to assets | 3.0643% | 2,192 |
| Noncurrent loans to loans | 4.0011% | 1,732 |
| Net loans and leases to total assets | 67.8704% | 2,646 |
| Net loans and leases to deposits | 73.1618% | 3,922 |
| Net loans and leases to core deposits | 73.3186% | 4,663 |
| Total domestic deposits to total assets | 92.7677% | 140 |
| Equity capital to assets | 5.3938% | 7,303 |
| Core capital (leverage) ratio | 5.6090% | 7,247 |
| Tier 1 risk-based capital ratio | 7.9774% | 7,246 |
| Total risk-based capital ratio | 9.2648% | 7,248 |
| Memoranda: | ||
| Average total assets | $1,235,668,670 | 542 |
| Average earning assets | $969,516,670 | 622 |
| Average equity | $68,556,330 | 986 |
| Average total loans | $872,096,670 | 491 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2830% | 6,056 |
| Cost of funding earning assets | 0.4607% | 7,087 |
| Net interest margin | 3.8223% | 3,501 |
| Noninterest income to average assets | 8.7331% | 79 |
| Noninterest expense to average assets | 13.6456% | 53 |
| Loan and lease loss provision to assets | 0.7401% | 1,147 |
| Net operating income to assets | -2.6526% | 7,362 |
| Return on assets (ROA) | -2.6526% | 7,363 |
| Pretax return on assets | -2.6542% | 7,344 |
| Return on Equity (ROE) | -47.1802% | 7,402 |
| Retained earnings to average equity (ytd only) | -47.1802% | 7,389 |
| Net charge-offs to loans | 1.0008% | 1,357 |
| Credit loss provision to net charge-offs | 104.9388% | 2,540 |
| Earnings coverage of net charge-offs (x) | -2.7141% | 4,982 |
| Efficiency ratio | 115.3846% | 405 |
| Assets per employee ($millions) | 0.8659% | 7,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1184% | 179 |
| Loan loss allowance to noncurrent loans | 130.3677% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 3.0618% | 2,253 |
| Noncurrent loans to loans | 3.9261% | 1,867 |
| Net loans and leases to total assets | 64.7691% | 3,291 |
| Net loans and leases to deposits | 69.8234% | 4,368 |
| Net loans and leases to core deposits | 69.9851% | 5,042 |
| Total domestic deposits to total assets | 92.7613% | 155 |
| Equity capital to assets | 5.3710% | 7,349 |
| Core capital (leverage) ratio | 5.5225% | 7,310 |
| Tier 1 risk-based capital ratio | 7.9538% | 7,296 |
| Total risk-based capital ratio | 9.2512% | 7,295 |
| Memoranda: | ||
| Average total assets | $1,251,747,000 | 533 |
| Average earning assets | $981,919,000 | 618 |
| Average equity | $70,377,000 | 957 |
| Average total loans | $882,095,000 | 497 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7055% | 5,784 |
| Cost of funding earning assets | 0.7804% | 6,643 |
| Net interest margin | 3.9251% | 3,372 |
| Noninterest income to average assets | 9.7186% | 66 |
| Noninterest expense to average assets | 13.7755% | 56 |
| Loan and lease loss provision to assets | 0.5679% | 2,857 |
| Net operating income to assets | -1.5403% | 6,919 |
| Return on assets (ROA) | -1.5403% | 6,941 |
| Pretax return on assets | -1.5396% | 6,870 |
| Return on Equity (ROE) | -24.8298% | 7,130 |
| Retained earnings to average equity (ytd only) | -24.8298% | 7,110 |
| Net charge-offs to loans | 0.9545% | 2,274 |
| Credit loss provision to net charge-offs | 79.3952% | 5,581 |
| Earnings coverage of net charge-offs (x) | -1.3586% | 6,659 |
| Efficiency ratio | 106.8051% | 606 |
| Assets per employee ($millions) | 0.8903% | 7,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7331% | 122 |
| Loan loss allowance to noncurrent loans | 144.3241% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 3.2937% | 2,142 |
| Noncurrent loans to loans | 3.9724% | 1,833 |
| Net loans and leases to total assets | 68.4472% | 2,875 |
| Net loans and leases to deposits | 76.7232% | 3,726 |
| Net loans and leases to core deposits | 76.9130% | 4,595 |
| Total domestic deposits to total assets | 89.2132% | 1,532 |
| Equity capital to assets | 5.8662% | 7,359 |
| Core capital (leverage) ratio | 6.0673% | 7,285 |
| Tier 1 risk-based capital ratio | 8.4935% | 7,306 |
| Total risk-based capital ratio | 9.8011% | 7,306 |
| Memoranda: | ||
| Average total assets | $1,312,961,000 | 514 |
| Average earning assets | $1,031,974,800 | 582 |
| Average equity | $81,446,600 | 809 |
| Average total loans | $983,916,400 | 451 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7212% | 5,942 |
| Cost of funding earning assets | 0.8501% | 6,579 |
| Net interest margin | 3.8711% | 3,652 |
| Noninterest income to average assets | 9.4862% | 66 |
| Noninterest expense to average assets | 13.8425% | 54 |
| Loan and lease loss provision to assets | 0.5777% | 2,622 |
| Net operating income to assets | -1.8927% | 7,208 |
| Return on assets (ROA) | -1.8927% | 7,224 |
| Pretax return on assets | -1.8912% | 7,167 |
| Return on Equity (ROE) | -30.1186% | 7,383 |
| Retained earnings to average equity (ytd only) | -30.1186% | 7,375 |
| Net charge-offs to loans | 0.8613% | 2,289 |
| Credit loss provision to net charge-offs | 88.8459% | 4,813 |
| Earnings coverage of net charge-offs (x) | -2.0200% | 6,537 |
| Efficiency ratio | 109.7020% | 531 |
| Assets per employee ($millions) | 0.9412% | 7,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1794% | 154 |
| Loan loss allowance to noncurrent loans | 148.9924% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 3.0925% | 2,342 |
| Noncurrent loans to loans | 3.4763% | 2,285 |
| Net loans and leases to total assets | 69.7480% | 2,801 |
| Net loans and leases to deposits | 78.5772% | 3,716 |
| Net loans and leases to core deposits | 78.8179% | 4,698 |
| Total domestic deposits to total assets | 88.7636% | 1,528 |
| Equity capital to assets | 5.7603% | 7,513 |
| Core capital (leverage) ratio | 5.9817% | 7,438 |
| Tier 1 risk-based capital ratio | 8.4194% | 7,440 |
| Total risk-based capital ratio | 9.7226% | 7,447 |
| Memoranda: | ||
| Average total assets | $1,323,575,500 | 506 |
| Average earning assets | $1,040,355,750 | 571 |
| Average equity | $83,175,750 | 795 |
| Average total loans | $999,267,250 | 447 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8025% | 5,795 |
| Cost of funding earning assets | 0.9564% | 6,357 |
| Net interest margin | 3.8460% | 3,684 |
| Noninterest income to average assets | 9.1015% | 71 |
| Noninterest expense to average assets | 13.8632% | 53 |
| Loan and lease loss provision to assets | 0.6767% | 2,135 |
| Net operating income to assets | -2.4306% | 7,402 |
| Return on assets (ROA) | -2.4306% | 7,411 |
| Pretax return on assets | -2.4306% | 7,348 |
| Return on Equity (ROE) | -37.6372% | 7,515 |
| Retained earnings to average equity (ytd only) | -37.6372% | 7,505 |
| Net charge-offs to loans | 1.0333% | 1,808 |
| Credit loss provision to net charge-offs | 86.0130% | 4,547 |
| Earnings coverage of net charge-offs (x) | -2.2293% | 6,223 |
| Efficiency ratio | 113.6900% | 497 |
| Assets per employee ($millions) | 0.9180% | 7,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4802% | 78 |
| Loan loss allowance to noncurrent loans | 113.9193% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 5.0349% | 1,276 |
| Noncurrent loans to loans | 5.6884% | 1,149 |
| Net loans and leases to total assets | 73.1933% | 2,111 |
| Net loans and leases to deposits | 81.0630% | 3,420 |
| Net loans and leases to core deposits | 81.3252% | 4,514 |
| Total domestic deposits to total assets | 90.2919% | 773 |
| Equity capital to assets | 6.0018% | 7,541 |
| Core capital (leverage) ratio | 6.2224% | 7,445 |
| Tier 1 risk-based capital ratio | 8.2775% | 7,502 |
| Total risk-based capital ratio | 9.5972% | 7,511 |
| Memoranda: | ||
| Average total assets | $1,324,918,330 | 502 |
| Average earning assets | $1,036,136,000 | 574 |
| Average equity | $85,564,330 | 766 |
| Average total loans | $1,008,812,670 | 449 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 5,992 |
| Cost of funding earning assets | 0.9961% | 6,397 |
| Net interest margin | 3.7773% | 3,885 |
| Noninterest income to average assets | 7.9094% | 86 |
| Noninterest expense to average assets | 13.4894% | 55 |
| Loan and lease loss provision to assets | 0.8058% | 1,569 |
| Net operating income to assets | -3.4384% | 7,676 |
| Return on assets (ROA) | -3.4384% | 7,677 |
| Pretax return on assets | -3.4384% | 7,636 |
| Return on Equity (ROE) | -51.4530% | 7,712 |
| Retained earnings to average equity (ytd only) | -51.4530% | 7,702 |
| Net charge-offs to loans | 1.3221% | 1,294 |
| Credit loss provision to net charge-offs | 81.1555% | 3,846 |
| Earnings coverage of net charge-offs (x) | -2.6515% | 5,496 |
| Efficiency ratio | 123.3638% | 407 |
| Assets per employee ($millions) | 0.9585% | 7,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4140% | 81 |
| Loan loss allowance to noncurrent loans | 109.6322% | 2,522 |
| Noncurrent assets plus other real estate owned to assets | 5.0426% | 1,268 |
| Noncurrent loans to loans | 5.8505% | 1,140 |
| Net loans and leases to total assets | 69.8368% | 2,975 |
| Net loans and leases to deposits | 77.6695% | 4,103 |
| Net loans and leases to core deposits | 77.8827% | 5,033 |
| Total domestic deposits to total assets | 89.9153% | 1,033 |
| Equity capital to assets | 6.1962% | 7,592 |
| Core capital (leverage) ratio | 6.4004% | 7,498 |
| Tier 1 risk-based capital ratio | 8.6801% | 7,538 |
| Total risk-based capital ratio | 9.9954% | 7,552 |
| Memoranda: | ||
| Average total assets | $1,331,890,500 | 515 |
| Average earning assets | $1,039,256,000 | 590 |
| Average equity | $89,005,500 | 736 |
| Average total loans | $1,000,202,000 | 474 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7219% | 2,998 |
| Cost of funding earning assets | 1.4893% | 5,554 |
| Net interest margin | 4.2326% | 1,966 |
| Noninterest income to average assets | 8.3628% | 82 |
| Noninterest expense to average assets | 13.6104% | 68 |
| Loan and lease loss provision to assets | 0.9655% | 2,342 |
| Net operating income to assets | -4.1403% | 7,628 |
| Return on assets (ROA) | -3.5651% | 7,530 |
| Pretax return on assets | -2.3957% | 7,108 |
| Return on Equity (ROE) | -50.9856% | 7,691 |
| Retained earnings to average equity (ytd only) | -50.9856% | 7,682 |
| Net charge-offs to loans | 1.1266% | 2,179 |
| Credit loss provision to net charge-offs | 110.0278% | 5,003 |
| Earnings coverage of net charge-offs (x) | -2.2852% | 7,023 |
| Efficiency ratio | 116.3731% | 665 |
| Assets per employee ($millions) | 0.9382% | 7,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3099% | 91 |
| Loan loss allowance to noncurrent loans | 111.9850% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 5.0330% | 1,216 |
| Noncurrent loans to loans | 5.6346% | 1,138 |
| Net loans and leases to total assets | 70.8093% | 3,050 |
| Net loans and leases to deposits | 79.6816% | 4,051 |
| Net loans and leases to core deposits | 81.5572% | 5,950 |
| Total domestic deposits to total assets | 88.8653% | 1,537 |
| Equity capital to assets | 7.1778% | 7,275 |
| Core capital (leverage) ratio | 7.4826% | 6,807 |
| Tier 1 risk-based capital ratio | 9.6762% | 7,115 |
| Total risk-based capital ratio | 10.9874% | 7,052 |
| Memoranda: | ||
| Average total assets | $1,475,015,600 | 461 |
| Average earning assets | $1,129,894,600 | 534 |
| Average equity | $103,139,000 | 635 |
| Average total loans | $1,148,982,000 | 423 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8440% | 2,688 |
| Cost of funding earning assets | 1.5954% | 5,424 |
| Net interest margin | 4.2486% | 1,874 |
| Noninterest income to average assets | 7.9527% | 93 |
| Noninterest expense to average assets | 13.5391% | 69 |
| Loan and lease loss provision to assets | 1.0690% | 1,818 |
| Net operating income to assets | -4.9234% | 7,833 |
| Return on assets (ROA) | -4.1761% | 7,771 |
| Pretax return on assets | -2.6569% | 7,404 |
| Return on Equity (ROE) | -60.0710% | 7,893 |
| Retained earnings to average equity (ytd only) | -60.0710% | 7,889 |
| Net charge-offs to loans | 1.1369% | 1,770 |
| Credit loss provision to net charge-offs | 119.9308% | 4,236 |
| Earnings coverage of net charge-offs (x) | -2.6198% | 6,782 |
| Efficiency ratio | 119.8742% | 590 |
| Assets per employee ($millions) | 0.9694% | 8,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5043% | 104 |
| Loan loss allowance to noncurrent loans | 110.0820% | 2,547 |
| Noncurrent assets plus other real estate owned to assets | 4.5315% | 1,343 |
| Noncurrent loans to loans | 5.0001% | 1,326 |
| Net loans and leases to total assets | 75.4391% | 2,110 |
| Net loans and leases to deposits | 87.6642% | 3,027 |
| Net loans and leases to core deposits | 89.5081% | 5,484 |
| Total domestic deposits to total assets | 86.0547% | 2,682 |
| Equity capital to assets | 7.4881% | 7,302 |
| Core capital (leverage) ratio | 6.5263% | 7,663 |
| Tier 1 risk-based capital ratio | 8.2079% | 7,763 |
| Total risk-based capital ratio | 9.5125% | 7,778 |
| Memoranda: | ||
| Average total assets | $1,513,775,000 | 466 |
| Average earning assets | $1,158,408,250 | 539 |
| Average equity | $105,237,250 | 628 |
| Average total loans | $1,186,823,500 | 427 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0630% | 1,936 |
| Cost of funding earning assets | 1.7242% | 5,156 |
| Net interest margin | 4.3388% | 1,551 |
| Noninterest income to average assets | 7.4100% | 96 |
| Noninterest expense to average assets | 13.5116% | 76 |
| Loan and lease loss provision to assets | 1.1156% | 1,540 |
| Net operating income to assets | -2.2696% | 7,502 |
| Return on assets (ROA) | -1.5793% | 7,288 |
| Pretax return on assets | -2.8399% | 7,522 |
| Return on Equity (ROE) | -23.2243% | 7,596 |
| Retained earnings to average equity (ytd only) | -23.2243% | 7,556 |
| Net charge-offs to loans | 1.1523% | 1,581 |
| Credit loss provision to net charge-offs | 124.1335% | 3,746 |
| Earnings coverage of net charge-offs (x) | -3.1187% | 6,408 |
| Efficiency ratio | 125.1410% | 583 |
| Assets per employee ($millions) | 1.0390% | 8,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1028% | 119 |
| Loan loss allowance to noncurrent loans | 119.1463% | 2,478 |
| Noncurrent assets plus other real estate owned to assets | 3.6888% | 1,671 |
| Noncurrent loans to loans | 4.2828% | 1,535 |
| Net loans and leases to total assets | 69.9778% | 3,710 |
| Net loans and leases to deposits | 81.9488% | 4,232 |
| Net loans and leases to core deposits | 83.6083% | 6,116 |
| Total domestic deposits to total assets | 85.3921% | 3,066 |
| Equity capital to assets | 9.0239% | 5,282 |
| Core capital (leverage) ratio | 6.4670% | 7,811 |
| Tier 1 risk-based capital ratio | 8.6970% | 7,816 |
| Total risk-based capital ratio | 10.0056% | 7,849 |
| Memoranda: | ||
| Average total assets | $1,573,093,330 | 462 |
| Average earning assets | $1,196,005,670 | 533 |
| Average equity | $106,974,000 | 630 |
| Average total loans | $1,226,954,670 | 432 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1724% | 1,681 |
| Cost of funding earning assets | 1.7920% | 5,151 |
| Net interest margin | 4.3804% | 1,392 |
| Noninterest income to average assets | 5.6619% | 122 |
| Noninterest expense to average assets | 13.4196% | 77 |
| Loan and lease loss provision to assets | 1.2472% | 1,033 |
| Net operating income to assets | -3.4602% | 7,915 |
| Return on assets (ROA) | -2.1125% | 7,686 |
| Pretax return on assets | -3.4712% | 7,834 |
| Return on Equity (ROE) | -36.6244% | 7,957 |
| Retained earnings to average equity (ytd only) | -36.6244% | 7,929 |
| Net charge-offs to loans | 1.2272% | 1,139 |
| Credit loss provision to net charge-offs | 127.0865% | 3,138 |
| Earnings coverage of net charge-offs (x) | -4.4117% | 5,555 |
| Efficiency ratio | 146.4420% | 373 |
| Assets per employee ($millions) | 0.9778% | 8,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2325% | 178 |
| Loan loss allowance to noncurrent loans | 104.0847% | 2,945 |
| Noncurrent assets plus other real estate owned to assets | 3.5604% | 1,500 |
| Noncurrent loans to loans | 4.0664% | 1,476 |
| Net loans and leases to total assets | 74.1924% | 2,709 |
| Net loans and leases to deposits | 88.4639% | 3,206 |
| Net loans and leases to core deposits | 90.5837% | 5,501 |
| Total domestic deposits to total assets | 83.8674% | 3,766 |
| Equity capital to assets | 5.5640% | 8,065 |
| Core capital (leverage) ratio | 4.3102% | 8,160 |
| Tier 1 risk-based capital ratio | 5.8187% | 8,146 |
| Total risk-based capital ratio | 10.0168% | 7,954 |
| Memoranda: | ||
| Average total assets | $1,611,552,500 | 454 |
| Average earning assets | $1,261,169,000 | 515 |
| Average equity | $92,954,500 | 713 |
| Average total loans | $1,288,787,500 | 417 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8020% | 1,667 |
| Cost of funding earning assets | 2.2488% | 5,373 |
| Net interest margin | 4.5532% | 1,304 |
| Noninterest income to average assets | 6.3983% | 103 |
| Noninterest expense to average assets | 11.7078% | 112 |
| Loan and lease loss provision to assets | 3.0893% | 294 |
| Net operating income to assets | -2.8481% | 7,784 |
| Return on assets (ROA) | -1.4712% | 7,398 |
| Pretax return on assets | -2.4388% | 7,575 |
| Return on Equity (ROE) | -23.1707% | 7,831 |
| Retained earnings to average equity (ytd only) | -23.1707% | 7,765 |
| Net charge-offs to loans | 1.0982% | 1,109 |
| Credit loss provision to net charge-offs | 340.0964% | 1,333 |
| Earnings coverage of net charge-offs (x) | -1.6523% | 6,684 |
| Efficiency ratio | 113.6748% | 639 |
| Assets per employee ($millions) | 0.9353% | 8,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6355% | 250 |
| Loan loss allowance to noncurrent loans | 117.0279% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 3.0298% | 1,517 |
| Noncurrent loans to loans | 3.1066% | 1,712 |
| Net loans and leases to total assets | 79.4216% | 1,795 |
| Net loans and leases to deposits | 108.6423% | 927 |
| Net loans and leases to core deposits | 111.9190% | 3,571 |
| Total domestic deposits to total assets | 73.1038% | 6,812 |
| Equity capital to assets | 5.9676% | 8,068 |
| Core capital (leverage) ratio | 5.4025% | 8,173 |
| Tier 1 risk-based capital ratio | 6.9193% | 8,176 |
| Total risk-based capital ratio | 10.5062% | 7,503 |
| Memoranda: | ||
| Average total assets | $1,713,530,800 | 414 |
| Average earning assets | $1,433,294,000 | 446 |
| Average equity | $108,796,800 | 622 |
| Average total loans | $1,417,269,600 | 368 |