Home > Metropolitan Bank > Performance and Condition Ratios
Metropolitan Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8911% | 3,580 |
| Cost of funding earning assets | 0.6222% | 1,321 |
| Net interest margin | 3.2689% | 4,213 |
| Noninterest income to average assets | 0.3467% | 4,071 |
| Noninterest expense to average assets | 4.2866% | 382 |
| Loan and lease loss provision to assets | 0.0517% | 2,951 |
| Net operating income to assets | -0.6461% | 5,698 |
| Return on assets (ROA) | -0.6319% | 5,694 |
| Pretax return on assets | -1.0137% | 5,713 |
| Return on Equity (ROE) | -7.0198% | 5,698 |
| Retained earnings to average equity (ytd only) | -7.0198% | 5,588 |
| Net charge-offs to loans | 0.0404% | 2,393 |
| Credit loss provision to net charge-offs | 159.6859% | 1,468 |
| Earnings coverage of net charge-offs (x) | -30.3822% | 3,498 |
| Efficiency ratio | 129.8018% | 49 |
| Assets per employee ($millions) | 8.6920% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 4,869 |
| Loan loss allowance to noncurrent loans | 1,016.0494% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 4,053 |
| Noncurrent loans to loans | 0.0819% | 4,806 |
| Net loans and leases to total assets | 80.6456% | 861 |
| Net loans and leases to deposits | 104.0328% | 495 |
| Net loans and leases to core deposits | 160.6580% | 89 |
| Total domestic deposits to total assets | 77.5194% | 4,888 |
| Equity capital to assets | 8.5272% | 5,284 |
| Core capital (leverage) ratio | 8.3822% | 5,295 |
| Tier 1 risk-based capital ratio | 9.6074% | 5,696 |
| Total risk-based capital ratio | 10.4056% | 5,728 |
| Memoranda: | ||
| Average total assets | $1,179,249,330 | 635 |
| Average earning assets | $1,066,281,330 | 638 |
| Average equity | $106,156,670 | 775 |
| Average total loans | $946,388,670 | 570 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8311% | 3,651 |
| Cost of funding earning assets | 0.5721% | 1,562 |
| Net interest margin | 3.2590% | 4,140 |
| Noninterest income to average assets | 0.5029% | 2,963 |
| Noninterest expense to average assets | 2.4408% | 3,994 |
| Loan and lease loss provision to assets | 0.0448% | 2,902 |
| Net operating income to assets | 0.6745% | 3,812 |
| Return on assets (ROA) | 0.6887% | 3,791 |
| Pretax return on assets | 0.9810% | 3,450 |
| Return on Equity (ROE) | 7.4447% | 3,186 |
| Retained earnings to average equity (ytd only) | 7.4447% | 1,672 |
| Net charge-offs to loans | -0.0013% | 3,974 |
| Credit loss provision to net charge-offs | -4,333.3333% | 4,687 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8242% | 2,774 |
| Assets per employee ($millions) | 7.8703% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8851% | 4,817 |
| Loan loss allowance to noncurrent loans | 599.4913% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 3,779 |
| Noncurrent loans to loans | 0.1476% | 4,594 |
| Net loans and leases to total assets | 79.3042% | 931 |
| Net loans and leases to deposits | 97.7157% | 789 |
| Net loans and leases to core deposits | 123.1861% | 383 |
| Total domestic deposits to total assets | 81.1580% | 4,383 |
| Equity capital to assets | 9.3033% | 4,506 |
| Core capital (leverage) ratio | 8.8547% | 4,897 |
| Tier 1 risk-based capital ratio | 10.4545% | 5,559 |
| Total risk-based capital ratio | 11.2787% | 5,655 |
| Memoranda: | ||
| Average total assets | $1,160,436,000 | 645 |
| Average earning assets | $1,048,067,500 | 651 |
| Average equity | $107,352,000 | 764 |
| Average total loans | $924,789,500 | 585 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7873% | 3,954 |
| Cost of funding earning assets | 0.5445% | 1,753 |
| Net interest margin | 3.2429% | 4,320 |
| Noninterest income to average assets | 0.6317% | 2,496 |
| Noninterest expense to average assets | 2.5117% | 3,968 |
| Loan and lease loss provision to assets | 0.1191% | 2,079 |
| Net operating income to assets | 0.6443% | 4,022 |
| Return on assets (ROA) | 0.6725% | 4,014 |
| Pretax return on assets | 0.9748% | 3,561 |
| Return on Equity (ROE) | 7.6952% | 3,117 |
| Retained earnings to average equity (ytd only) | 7.6952% | 965 |
| Net charge-offs to loans | 0.1106% | 2,162 |
| Credit loss provision to net charge-offs | 140.7809% | 1,946 |
| Earnings coverage of net charge-offs (x) | 12.4425% | 2,447 |
| Efficiency ratio | 70.3651% | 2,846 |
| Assets per employee ($millions) | 7.5560% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8845% | 4,845 |
| Loan loss allowance to noncurrent loans | 651.3644% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.3482% | 3,890 |
| Noncurrent loans to loans | 0.1358% | 4,690 |
| Net loans and leases to total assets | 78.6697% | 1,096 |
| Net loans and leases to deposits | 102.3784% | 512 |
| Net loans and leases to core deposits | 157.4373% | 90 |
| Total domestic deposits to total assets | 76.8422% | 5,137 |
| Equity capital to assets | 9.1983% | 4,583 |
| Core capital (leverage) ratio | 8.9457% | 4,800 |
| Tier 1 risk-based capital ratio | 10.2835% | 5,662 |
| Total risk-based capital ratio | 11.0969% | 5,746 |
| Memoranda: | ||
| Average total assets | $1,089,462,800 | 660 |
| Average earning assets | $985,360,200 | 673 |
| Average equity | $95,215,400 | 842 |
| Average total loans | $833,428,800 | 606 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7380% | 4,120 |
| Cost of funding earning assets | 0.5410% | 1,780 |
| Net interest margin | 3.1970% | 4,498 |
| Noninterest income to average assets | 0.6497% | 2,422 |
| Noninterest expense to average assets | 2.4992% | 3,985 |
| Loan and lease loss provision to assets | 0.1315% | 1,784 |
| Net operating income to assets | 0.6161% | 4,224 |
| Return on assets (ROA) | 0.6538% | 4,184 |
| Pretax return on assets | 0.9653% | 3,758 |
| Return on Equity (ROE) | 7.5886% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.5886% | 1,362 |
| Net charge-offs to loans | 0.1425% | 1,563 |
| Credit loss provision to net charge-offs | 121.8894% | 2,068 |
| Earnings coverage of net charge-offs (x) | 9.6533% | 2,665 |
| Efficiency ratio | 70.4577% | 2,828 |
| Assets per employee ($millions) | 7.0759% | 865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8993% | 4,874 |
| Loan loss allowance to noncurrent loans | 789.8406% | 721 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 4,052 |
| Noncurrent loans to loans | 0.1139% | 4,883 |
| Net loans and leases to total assets | 78.1662% | 1,165 |
| Net loans and leases to deposits | 99.2722% | 754 |
| Net loans and leases to core deposits | 155.0131% | 107 |
| Total domestic deposits to total assets | 78.7393% | 4,783 |
| Equity capital to assets | 9.4362% | 4,735 |
| Core capital (leverage) ratio | 9.1708% | 4,637 |
| Tier 1 risk-based capital ratio | 10.5051% | 5,617 |
| Total risk-based capital ratio | 11.3341% | 5,717 |
| Memoranda: | ||
| Average total assets | $1,072,813,000 | 668 |
| Average earning assets | $970,050,000 | 685 |
| Average equity | $92,434,750 | 869 |
| Average total loans | $812,389,250 | 622 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6946% | 4,314 |
| Cost of funding earning assets | 0.5416% | 1,768 |
| Net interest margin | 3.1530% | 4,685 |
| Noninterest income to average assets | 0.6058% | 2,591 |
| Noninterest expense to average assets | 2.4962% | 4,040 |
| Loan and lease loss provision to assets | 0.1040% | 2,113 |
| Net operating income to assets | 0.5730% | 4,383 |
| Return on assets (ROA) | 0.6051% | 4,374 |
| Pretax return on assets | 0.9012% | 3,950 |
| Return on Equity (ROE) | 7.2660% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.2660% | 1,483 |
| Net charge-offs to loans | 0.0801% | 2,052 |
| Credit loss provision to net charge-offs | 174.0506% | 1,439 |
| Earnings coverage of net charge-offs (x) | 16.0222% | 1,954 |
| Efficiency ratio | 72.0777% | 2,639 |
| Assets per employee ($millions) | 7.1238% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 4,709 |
| Loan loss allowance to noncurrent loans | 595.5190% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.3492% | 4,095 |
| Noncurrent loans to loans | 0.1617% | 4,794 |
| Net loans and leases to total assets | 75.2262% | 1,612 |
| Net loans and leases to deposits | 92.7411% | 1,429 |
| Net loans and leases to core deposits | 151.5914% | 117 |
| Total domestic deposits to total assets | 81.1141% | 4,241 |
| Equity capital to assets | 8.5783% | 5,551 |
| Core capital (leverage) ratio | 8.1504% | 5,631 |
| Tier 1 risk-based capital ratio | 9.5785% | 5,936 |
| Total risk-based capital ratio | 10.4485% | 5,978 |
| Memoranda: | ||
| Average total assets | $1,057,755,000 | 679 |
| Average earning assets | $955,341,670 | 693 |
| Average equity | $88,081,330 | 910 |
| Average total loans | $789,246,330 | 632 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6441% | 4,494 |
| Cost of funding earning assets | 0.5308% | 1,862 |
| Net interest margin | 3.1133% | 4,824 |
| Noninterest income to average assets | 0.6159% | 2,438 |
| Noninterest expense to average assets | 2.4688% | 4,168 |
| Loan and lease loss provision to assets | 0.0864% | 2,238 |
| Net operating income to assets | 0.5948% | 4,199 |
| Return on assets (ROA) | 0.5948% | 4,312 |
| Pretax return on assets | 0.8851% | 3,910 |
| Return on Equity (ROE) | 7.2576% | 3,313 |
| Retained earnings to average equity (ytd only) | 7.2576% | 1,769 |
| Net charge-offs to loans | 0.0312% | 2,327 |
| Credit loss provision to net charge-offs | 375.0000% | 738 |
| Earnings coverage of net charge-offs (x) | 42.1667% | 984 |
| Efficiency ratio | 71.3472% | 2,895 |
| Assets per employee ($millions) | 7.0517% | 873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 4,648 |
| Loan loss allowance to noncurrent loans | 494.3715% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 0.3741% | 4,085 |
| Noncurrent loans to loans | 0.2007% | 4,700 |
| Net loans and leases to total assets | 72.1703% | 2,010 |
| Net loans and leases to deposits | 85.8454% | 2,075 |
| Net loans and leases to core deposits | 141.7427% | 157 |
| Total domestic deposits to total assets | 84.0700% | 3,491 |
| Equity capital to assets | 7.9059% | 5,855 |
| Core capital (leverage) ratio | 7.9667% | 5,789 |
| Tier 1 risk-based capital ratio | 9.2547% | 6,038 |
| Total risk-based capital ratio | 10.1448% | 6,058 |
| Memoranda: | ||
| Average total assets | $1,041,658,500 | 695 |
| Average earning assets | $944,982,000 | 700 |
| Average equity | $85,372,500 | 930 |
| Average total loans | $769,919,500 | 650 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5691% | 4,754 |
| Cost of funding earning assets | 0.4924% | 2,230 |
| Net interest margin | 3.0767% | 4,957 |
| Noninterest income to average assets | 0.7343% | 2,048 |
| Noninterest expense to average assets | 2.5232% | 4,152 |
| Loan and lease loss provision to assets | 0.1200% | 1,997 |
| Net operating income to assets | 0.5915% | 4,316 |
| Return on assets (ROA) | 0.6508% | 4,130 |
| Pretax return on assets | 1.0151% | 3,399 |
| Return on Equity (ROE) | 7.8114% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.8114% | 978 |
| Net charge-offs to loans | 0.0544% | 3,121 |
| Credit loss provision to net charge-offs | 309.0186% | 959 |
| Earnings coverage of net charge-offs (x) | 26.8488% | 1,567 |
| Efficiency ratio | 70.1074% | 3,203 |
| Assets per employee ($millions) | 7.0736% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,375 |
| Loan loss allowance to noncurrent loans | 393.8931% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.5248% | 3,538 |
| Noncurrent loans to loans | 0.2644% | 4,500 |
| Net loans and leases to total assets | 74.2564% | 1,685 |
| Net loans and leases to deposits | 91.0555% | 1,500 |
| Net loans and leases to core deposits | 147.7891% | 118 |
| Total domestic deposits to total assets | 81.5507% | 4,321 |
| Equity capital to assets | 8.5158% | 5,554 |
| Core capital (leverage) ratio | 8.3340% | 5,577 |
| Tier 1 risk-based capital ratio | 9.8149% | 5,990 |
| Total risk-based capital ratio | 10.7578% | 6,029 |
| Memoranda: | ||
| Average total assets | $971,066,800 | 715 |
| Average earning assets | $893,589,800 | 708 |
| Average equity | $80,907,600 | 940 |
| Average total loans | $693,350,200 | 669 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5048% | 4,972 |
| Cost of funding earning assets | 0.4859% | 2,357 |
| Net interest margin | 3.0189% | 5,152 |
| Noninterest income to average assets | 0.7134% | 2,171 |
| Noninterest expense to average assets | 2.5087% | 4,169 |
| Loan and lease loss provision to assets | 0.0780% | 2,621 |
| Net operating income to assets | 0.5582% | 4,568 |
| Return on assets (ROA) | 0.6376% | 4,309 |
| Pretax return on assets | 1.0403% | 3,460 |
| Return on Equity (ROE) | 7.6965% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.6965% | 1,376 |
| Net charge-offs to loans | 0.0388% | 3,113 |
| Credit loss provision to net charge-offs | 285.3535% | 1,014 |
| Earnings coverage of net charge-offs (x) | 36.3843% | 1,325 |
| Efficiency ratio | 70.9474% | 3,059 |
| Assets per employee ($millions) | 6.7453% | 968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 4,566 |
| Loan loss allowance to noncurrent loans | 354.0397% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 3,814 |
| Noncurrent loans to loans | 0.2916% | 4,543 |
| Net loans and leases to total assets | 73.7558% | 1,779 |
| Net loans and leases to deposits | 89.0253% | 1,765 |
| Net loans and leases to core deposits | 145.1453% | 135 |
| Total domestic deposits to total assets | 82.8482% | 3,865 |
| Equity capital to assets | 8.6516% | 5,608 |
| Core capital (leverage) ratio | 8.2381% | 5,750 |
| Tier 1 risk-based capital ratio | 10.3253% | 5,941 |
| Total risk-based capital ratio | 11.2845% | 5,986 |
| Memoranda: | ||
| Average total assets | $966,257,750 | 724 |
| Average earning assets | $892,802,750 | 712 |
| Average equity | $80,051,500 | 956 |
| Average total loans | $680,912,000 | 687 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4410% | 5,134 |
| Cost of funding earning assets | 0.4825% | 2,407 |
| Net interest margin | 2.9585% | 5,320 |
| Noninterest income to average assets | 0.7351% | 2,060 |
| Noninterest expense to average assets | 2.4528% | 4,388 |
| Loan and lease loss provision to assets | 0.0916% | 2,287 |
| Net operating income to assets | 0.5565% | 4,533 |
| Return on assets (ROA) | 0.6237% | 4,353 |
| Pretax return on assets | 1.0316% | 3,452 |
| Return on Equity (ROE) | 7.6387% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.6387% | 1,414 |
| Net charge-offs to loans | 0.0387% | 2,906 |
| Credit loss provision to net charge-offs | 342.3077% | 847 |
| Earnings coverage of net charge-offs (x) | 38.0385% | 1,169 |
| Efficiency ratio | 69.9887% | 3,332 |
| Assets per employee ($millions) | 7.3706% | 712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 4,591 |
| Loan loss allowance to noncurrent loans | 548.8671% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 4,250 |
| Noncurrent loans to loans | 0.1919% | 5,009 |
| Net loans and leases to total assets | 69.6484% | 2,371 |
| Net loans and leases to deposits | 81.6382% | 2,608 |
| Net loans and leases to core deposits | 137.1728% | 187 |
| Total domestic deposits to total assets | 85.3136% | 3,007 |
| Equity capital to assets | 8.2084% | 5,875 |
| Core capital (leverage) ratio | 7.8087% | 6,013 |
| Tier 1 risk-based capital ratio | 10.5306% | 5,908 |
| Total risk-based capital ratio | 11.5232% | 5,950 |
| Memoranda: | ||
| Average total assets | $971,312,330 | 720 |
| Average earning assets | $898,234,330 | 708 |
| Average equity | $79,307,000 | 970 |
| Average total loans | $671,614,330 | 694 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 5,196 |
| Cost of funding earning assets | 0.4762% | 2,493 |
| Net interest margin | 2.9259% | 5,393 |
| Noninterest income to average assets | 0.6595% | 2,362 |
| Noninterest expense to average assets | 2.3901% | 4,624 |
| Loan and lease loss provision to assets | 0.1696% | 1,172 |
| Net operating income to assets | 0.4735% | 4,784 |
| Return on assets (ROA) | 0.6086% | 4,340 |
| Pretax return on assets | 1.0157% | 3,433 |
| Return on Equity (ROE) | 7.4739% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.4739% | 1,777 |
| Net charge-offs to loans | 0.0658% | 2,080 |
| Credit loss provision to net charge-offs | 376.1468% | 693 |
| Earnings coverage of net charge-offs (x) | 21.6055% | 1,375 |
| Efficiency ratio | 70.3394% | 3,423 |
| Assets per employee ($millions) | 7.6999% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 4,618 |
| Loan loss allowance to noncurrent loans | 591.5987% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.3950% | 4,449 |
| Noncurrent loans to loans | 0.1824% | 5,126 |
| Net loans and leases to total assets | 66.4341% | 2,703 |
| Net loans and leases to deposits | 77.9663% | 2,806 |
| Net loans and leases to core deposits | 131.2040% | 231 |
| Total domestic deposits to total assets | 85.2087% | 3,305 |
| Equity capital to assets | 7.9060% | 6,065 |
| Core capital (leverage) ratio | 7.9400% | 5,975 |
| Tier 1 risk-based capital ratio | 10.4183% | 6,042 |
| Total risk-based capital ratio | 11.4171% | 6,061 |
| Memoranda: | ||
| Average total assets | $966,826,000 | 718 |
| Average earning assets | $893,801,500 | 710 |
| Average equity | $78,727,500 | 975 |
| Average total loans | $662,411,500 | 707 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6031% | 5,073 |
| Cost of funding earning assets | 0.4856% | 2,826 |
| Net interest margin | 3.1175% | 5,165 |
| Noninterest income to average assets | 0.6161% | 2,762 |
| Noninterest expense to average assets | 2.5317% | 4,449 |
| Loan and lease loss provision to assets | 0.0543% | 3,469 |
| Net operating income to assets | 0.5713% | 4,502 |
| Return on assets (ROA) | 0.5843% | 4,527 |
| Pretax return on assets | 0.9539% | 3,670 |
| Return on Equity (ROE) | 7.0853% | 3,583 |
| Retained earnings to average equity (ytd only) | 7.0853% | 1,363 |
| Net charge-offs to loans | -0.0371% | 5,843 |
| Credit loss provision to net charge-offs | -215.4867% | 5,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2086% | 3,337 |
| Assets per employee ($millions) | 7.2300% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0653% | 4,730 |
| Loan loss allowance to noncurrent loans | 519.5815% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.4356% | 4,367 |
| Noncurrent loans to loans | 0.2050% | 5,082 |
| Net loans and leases to total assets | 69.2233% | 2,354 |
| Net loans and leases to deposits | 82.1457% | 2,450 |
| Net loans and leases to core deposits | 133.6424% | 213 |
| Total domestic deposits to total assets | 84.2689% | 3,602 |
| Equity capital to assets | 8.3971% | 5,827 |
| Core capital (leverage) ratio | 8.0982% | 5,934 |
| Tier 1 risk-based capital ratio | 10.4914% | 6,106 |
| Total risk-based capital ratio | 11.4784% | 6,144 |
| Memoranda: | ||
| Average total assets | $896,830,800 | 741 |
| Average earning assets | $835,291,200 | 732 |
| Average equity | $73,956,200 | 987 |
| Average total loans | $608,887,600 | 720 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5870% | 5,175 |
| Cost of funding earning assets | 0.4879% | 2,882 |
| Net interest margin | 3.0991% | 5,262 |
| Noninterest income to average assets | 0.6220% | 2,737 |
| Noninterest expense to average assets | 2.5309% | 4,426 |
| Loan and lease loss provision to assets | 0.0731% | 2,878 |
| Net operating income to assets | 0.5491% | 4,677 |
| Return on assets (ROA) | 0.5630% | 4,690 |
| Pretax return on assets | 0.9258% | 3,879 |
| Return on Equity (ROE) | 6.8599% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.8599% | 1,901 |
| Net charge-offs to loans | -0.0138% | 5,509 |
| Credit loss provision to net charge-offs | -785.4839% | 5,831 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4108% | 3,282 |
| Assets per employee ($millions) | 6.5610% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0671% | 4,903 |
| Loan loss allowance to noncurrent loans | 533.2286% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.4838% | 4,438 |
| Noncurrent loans to loans | 0.2001% | 5,304 |
| Net loans and leases to total assets | 70.5324% | 2,104 |
| Net loans and leases to deposits | 85.6067% | 1,953 |
| Net loans and leases to core deposits | 143.2970% | 138 |
| Total domestic deposits to total assets | 82.3911% | 4,342 |
| Equity capital to assets | 8.5011% | 5,796 |
| Core capital (leverage) ratio | 7.9077% | 6,129 |
| Tier 1 risk-based capital ratio | 10.6492% | 6,155 |
| Total risk-based capital ratio | 11.6496% | 6,198 |
| Memoranda: | ||
| Average total assets | $887,871,000 | 754 |
| Average earning assets | $826,895,500 | 740 |
| Average equity | $72,866,000 | 1,002 |
| Average total loans | $597,965,250 | 736 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4657% | 5,487 |
| Cost of funding earning assets | 0.4874% | 2,953 |
| Net interest margin | 2.9782% | 5,578 |
| Noninterest income to average assets | 0.6236% | 2,689 |
| Noninterest expense to average assets | 2.5050% | 4,562 |
| Loan and lease loss provision to assets | 0.0896% | 2,533 |
| Net operating income to assets | 0.4894% | 4,849 |
| Return on assets (ROA) | 0.5102% | 4,863 |
| Pretax return on assets | 0.8452% | 4,099 |
| Return on Equity (ROE) | 6.2919% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.2919% | 2,161 |
| Net charge-offs to loans | 0.0366% | 3,488 |
| Credit loss provision to net charge-offs | 371.0280% | 735 |
| Earnings coverage of net charge-offs (x) | 37.3738% | 1,108 |
| Efficiency ratio | 72.7634% | 3,199 |
| Assets per employee ($millions) | 6.9422% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0617% | 5,063 |
| Loan loss allowance to noncurrent loans | 393.0765% | 1,179 |
| Noncurrent assets plus other real estate owned to assets | 0.4741% | 4,578 |
| Noncurrent loans to loans | 0.2701% | 5,204 |
| Net loans and leases to total assets | 64.9211% | 2,920 |
| Net loans and leases to deposits | 76.4298% | 2,996 |
| Net loans and leases to core deposits | 135.5095% | 174 |
| Total domestic deposits to total assets | 84.9421% | 3,537 |
| Equity capital to assets | 7.9001% | 6,208 |
| Core capital (leverage) ratio | 7.6508% | 6,260 |
| Tier 1 risk-based capital ratio | 10.9167% | 6,082 |
| Total risk-based capital ratio | 11.9264% | 6,135 |
| Memoranda: | ||
| Average total assets | $886,396,670 | 758 |
| Average earning assets | $828,473,670 | 740 |
| Average equity | $71,869,670 | 1,010 |
| Average total loans | $585,239,000 | 749 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4372% | 5,568 |
| Cost of funding earning assets | 0.4962% | 2,945 |
| Net interest margin | 2.9410% | 5,667 |
| Noninterest income to average assets | 0.4548% | 3,748 |
| Noninterest expense to average assets | 2.5036% | 4,614 |
| Loan and lease loss provision to assets | 0.0427% | 3,241 |
| Net operating income to assets | 0.3969% | 5,129 |
| Return on assets (ROA) | 0.4311% | 5,069 |
| Pretax return on assets | 0.7238% | 4,406 |
| Return on Equity (ROE) | 5.2440% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.2440% | 2,968 |
| Net charge-offs to loans | 0.0568% | 2,590 |
| Credit loss provision to net charge-offs | 113.5802% | 1,507 |
| Earnings coverage of net charge-offs (x) | 18.9506% | 1,398 |
| Efficiency ratio | 77.0075% | 2,648 |
| Assets per employee ($millions) | 7.0326% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,193 |
| Loan loss allowance to noncurrent loans | 769.7044% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.3882% | 4,987 |
| Noncurrent loans to loans | 0.1407% | 5,677 |
| Net loans and leases to total assets | 61.9433% | 3,246 |
| Net loans and leases to deposits | 72.7936% | 3,235 |
| Net loans and leases to core deposits | 126.5181% | 220 |
| Total domestic deposits to total assets | 85.0944% | 3,826 |
| Equity capital to assets | 7.7842% | 6,187 |
| Core capital (leverage) ratio | 8.0902% | 6,048 |
| Tier 1 risk-based capital ratio | 10.9010% | 6,192 |
| Total risk-based capital ratio | 11.8871% | 6,260 |
| Memoranda: | ||
| Average total assets | $860,999,500 | 789 |
| Average earning assets | $808,567,000 | 769 |
| Average equity | $70,785,000 | 1,024 |
| Average total loans | $570,376,500 | 770 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7088% | 5,105 |
| Cost of funding earning assets | 0.4866% | 3,750 |
| Net interest margin | 3.2222% | 4,922 |
| Noninterest income to average assets | 0.6079% | 3,040 |
| Noninterest expense to average assets | 2.6609% | 4,236 |
| Loan and lease loss provision to assets | 0.1802% | 2,044 |
| Net operating income to assets | 0.4716% | 4,862 |
| Return on assets (ROA) | 0.5207% | 4,775 |
| Pretax return on assets | 0.8847% | 3,825 |
| Return on Equity (ROE) | 6.0165% | 4,072 |
| Retained earnings to average equity (ytd only) | 6.0165% | 1,956 |
| Net charge-offs to loans | 0.1169% | 3,643 |
| Credit loss provision to net charge-offs | 224.0924% | 1,018 |
| Earnings coverage of net charge-offs (x) | 12.2888% | 2,135 |
| Efficiency ratio | 72.0899% | 3,458 |
| Assets per employee ($millions) | 6.7858% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1065% | 5,116 |
| Loan loss allowance to noncurrent loans | 482.5213% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 4,752 |
| Noncurrent loans to loans | 0.2293% | 5,499 |
| Net loans and leases to total assets | 69.6365% | 2,078 |
| Net loans and leases to deposits | 83.8503% | 1,959 |
| Net loans and leases to core deposits | 142.4042% | 127 |
| Total domestic deposits to total assets | 83.0485% | 4,533 |
| Equity capital to assets | 8.7241% | 5,341 |
| Core capital (leverage) ratio | 8.8117% | 5,261 |
| Tier 1 risk-based capital ratio | 11.0554% | 6,146 |
| Total risk-based capital ratio | 12.0698% | 6,205 |
| Memoranda: | ||
| Average total assets | $753,577,200 | 885 |
| Average earning assets | $711,256,600 | 852 |
| Average equity | $65,220,600 | 1,098 |
| Average total loans | $518,354,400 | 821 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6993% | 5,171 |
| Cost of funding earning assets | 0.4793% | 3,969 |
| Net interest margin | 3.2200% | 4,932 |
| Noninterest income to average assets | 0.6357% | 2,949 |
| Noninterest expense to average assets | 2.6629% | 4,153 |
| Loan and lease loss provision to assets | 0.1731% | 2,099 |
| Net operating income to assets | 0.4893% | 4,843 |
| Return on assets (ROA) | 0.5248% | 4,843 |
| Pretax return on assets | 0.8897% | 3,929 |
| Return on Equity (ROE) | 6.0773% | 4,144 |
| Retained earnings to average equity (ytd only) | 6.0773% | 2,358 |
| Net charge-offs to loans | 0.1065% | 3,474 |
| Credit loss provision to net charge-offs | 237.7778% | 1,028 |
| Earnings coverage of net charge-offs (x) | 13.8369% | 1,989 |
| Efficiency ratio | 71.7175% | 3,456 |
| Assets per employee ($millions) | 6.5602% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1195% | 5,256 |
| Loan loss allowance to noncurrent loans | 221.6722% | 1,818 |
| Noncurrent assets plus other real estate owned to assets | 0.5626% | 4,763 |
| Noncurrent loans to loans | 0.5050% | 4,936 |
| Net loans and leases to total assets | 68.9756% | 2,148 |
| Net loans and leases to deposits | 82.9029% | 2,012 |
| Net loans and leases to core deposits | 132.4205% | 161 |
| Total domestic deposits to total assets | 83.2004% | 4,497 |
| Equity capital to assets | 8.2049% | 5,996 |
| Core capital (leverage) ratio | 8.2947% | 5,973 |
| Tier 1 risk-based capital ratio | 10.3820% | 6,487 |
| Total risk-based capital ratio | 11.4067% | 6,522 |
| Memoranda: | ||
| Average total assets | $741,789,750 | 907 |
| Average earning assets | $699,030,250 | 868 |
| Average equity | $64,061,750 | 1,132 |
| Average total loans | $506,983,750 | 835 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6463% | 5,301 |
| Cost of funding earning assets | 0.5010% | 3,887 |
| Net interest margin | 3.1453% | 5,139 |
| Noninterest income to average assets | 0.5953% | 3,224 |
| Noninterest expense to average assets | 2.6445% | 4,235 |
| Loan and lease loss provision to assets | 0.0925% | 3,244 |
| Net operating income to assets | 0.4773% | 4,892 |
| Return on assets (ROA) | 0.4777% | 5,072 |
| Pretax return on assets | 0.8186% | 4,239 |
| Return on Equity (ROE) | 5.4355% | 4,499 |
| Retained earnings to average equity (ytd only) | 5.4355% | 2,782 |
| Net charge-offs to loans | 0.0718% | 3,686 |
| Credit loss provision to net charge-offs | 189.8876% | 1,254 |
| Earnings coverage of net charge-offs (x) | 18.6966% | 1,543 |
| Efficiency ratio | 73.5109% | 3,224 |
| Assets per employee ($millions) | 6.1877% | 1,081 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 5,429 |
| Loan loss allowance to noncurrent loans | 126.3028% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.7732% | 4,290 |
| Noncurrent loans to loans | 0.8735% | 4,178 |
| Net loans and leases to total assets | 71.7627% | 1,617 |
| Net loans and leases to deposits | 80.7498% | 2,216 |
| Net loans and leases to core deposits | 132.1546% | 172 |
| Total domestic deposits to total assets | 88.8705% | 1,699 |
| Equity capital to assets | 9.0814% | 5,134 |
| Core capital (leverage) ratio | 8.4161% | 5,756 |
| Tier 1 risk-based capital ratio | 10.9802% | 6,341 |
| Total risk-based capital ratio | 12.0156% | 6,390 |
| Memoranda: | ||
| Average total assets | $731,016,670 | 916 |
| Average earning assets | $687,877,330 | 884 |
| Average equity | $64,244,000 | 1,134 |
| Average total loans | $495,981,330 | 852 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4892% | 5,729 |
| Cost of funding earning assets | 0.5163% | 3,913 |
| Net interest margin | 2.9729% | 5,643 |
| Noninterest income to average assets | 0.5851% | 3,216 |
| Noninterest expense to average assets | 2.5565% | 4,549 |
| Loan and lease loss provision to assets | 0.0941% | 3,096 |
| Net operating income to assets | 0.4288% | 5,009 |
| Return on assets (ROA) | 0.4291% | 5,168 |
| Pretax return on assets | 0.7373% | 4,421 |
| Return on Equity (ROE) | 4.9615% | 4,592 |
| Retained earnings to average equity (ytd only) | 4.9615% | 3,258 |
| Net charge-offs to loans | 0.0139% | 3,870 |
| Credit loss provision to net charge-offs | 1,029.4118% | 307 |
| Earnings coverage of net charge-offs (x) | 90.8824% | 422 |
| Efficiency ratio | 74.5674% | 3,163 |
| Assets per employee ($millions) | 6.9018% | 807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 5,428 |
| Loan loss allowance to noncurrent loans | 209.3066% | 1,825 |
| Noncurrent assets plus other real estate owned to assets | 0.4777% | 5,185 |
| Noncurrent loans to loans | 0.5472% | 5,072 |
| Net loans and leases to total assets | 63.6037% | 2,787 |
| Net loans and leases to deposits | 71.1165% | 3,310 |
| Net loans and leases to core deposits | 104.9984% | 677 |
| Total domestic deposits to total assets | 89.4359% | 1,396 |
| Equity capital to assets | 8.4477% | 6,064 |
| Core capital (leverage) ratio | 8.4180% | 5,684 |
| Tier 1 risk-based capital ratio | 10.9668% | 6,423 |
| Total risk-based capital ratio | 12.0205% | 6,465 |
| Memoranda: | ||
| Average total assets | $743,826,000 | 908 |
| Average earning assets | $701,127,000 | 881 |
| Average equity | $64,336,000 | 1,143 |
| Average total loans | $488,042,000 | 868 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1320% | 4,831 |
| Cost of funding earning assets | 0.7294% | 3,262 |
| Net interest margin | 3.4026% | 4,874 |
| Noninterest income to average assets | 0.6454% | 3,021 |
| Noninterest expense to average assets | 2.8668% | 3,779 |
| Loan and lease loss provision to assets | 0.3465% | 1,934 |
| Net operating income to assets | 0.3824% | 5,169 |
| Return on assets (ROA) | 0.4762% | 5,027 |
| Pretax return on assets | 0.7785% | 4,374 |
| Return on Equity (ROE) | 4.9469% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.9469% | 2,737 |
| Net charge-offs to loans | 0.4343% | 2,500 |
| Credit loss provision to net charge-offs | 114.5269% | 2,537 |
| Earnings coverage of net charge-offs (x) | 3.2338% | 3,814 |
| Efficiency ratio | 73.6365% | 3,128 |
| Assets per employee ($millions) | 6.6810% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1356% | 5,410 |
| Loan loss allowance to noncurrent loans | 202.7716% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5085% | 5,200 |
| Noncurrent loans to loans | 0.5601% | 5,131 |
| Net loans and leases to total assets | 66.2023% | 2,495 |
| Net loans and leases to deposits | 74.5564% | 3,010 |
| Net loans and leases to core deposits | 105.4742% | 717 |
| Total domestic deposits to total assets | 88.7950% | 1,704 |
| Equity capital to assets | 8.8634% | 5,671 |
| Core capital (leverage) ratio | 8.3767% | 5,788 |
| Tier 1 risk-based capital ratio | 11.0333% | 6,338 |
| Total risk-based capital ratio | 12.0813% | 6,387 |
| Memoranda: | ||
| Average total assets | $646,122,800 | 1,018 |
| Average earning assets | $607,629,000 | 986 |
| Average equity | $62,200,400 | 1,147 |
| Average total loans | $450,178,000 | 918 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 4,744 |
| Cost of funding earning assets | 0.7804% | 3,106 |
| Net interest margin | 3.4405% | 4,875 |
| Noninterest income to average assets | 0.5631% | 3,523 |
| Noninterest expense to average assets | 2.9001% | 3,595 |
| Loan and lease loss provision to assets | 0.2527% | 2,547 |
| Net operating income to assets | 0.3794% | 5,327 |
| Return on assets (ROA) | 0.4255% | 5,379 |
| Pretax return on assets | 0.7123% | 4,820 |
| Return on Equity (ROE) | 4.3219% | 5,140 |
| Retained earnings to average equity (ytd only) | 4.3219% | 3,849 |
| Net charge-offs to loans | 0.3252% | 2,826 |
| Credit loss provision to net charge-offs | 110.2968% | 2,661 |
| Earnings coverage of net charge-offs (x) | 3.8970% | 3,470 |
| Efficiency ratio | 75.5001% | 2,745 |
| Assets per employee ($millions) | 5.8946% | 1,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1513% | 5,513 |
| Loan loss allowance to noncurrent loans | 352.6211% | 1,061 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 5,638 |
| Noncurrent loans to loans | 0.3265% | 5,822 |
| Net loans and leases to total assets | 72.3409% | 1,493 |
| Net loans and leases to deposits | 82.7702% | 2,020 |
| Net loans and leases to core deposits | 127.9784% | 208 |
| Total domestic deposits to total assets | 87.3997% | 2,424 |
| Equity capital to assets | 10.0336% | 4,442 |
| Core capital (leverage) ratio | 8.5452% | 5,692 |
| Tier 1 risk-based capital ratio | 11.4525% | 6,250 |
| Total risk-based capital ratio | 12.5289% | 6,331 |
| Memoranda: | ||
| Average total assets | $627,266,000 | 1,060 |
| Average earning assets | $588,899,500 | 1,028 |
| Average equity | $61,762,000 | 1,162 |
| Average total loans | $441,930,000 | 947 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2015% | 4,948 |
| Cost of funding earning assets | 0.8099% | 3,112 |
| Net interest margin | 3.3916% | 5,116 |
| Noninterest income to average assets | 0.4980% | 3,934 |
| Noninterest expense to average assets | 2.8378% | 3,875 |
| Loan and lease loss provision to assets | 0.2520% | 2,562 |
| Net operating income to assets | 0.3301% | 5,499 |
| Return on assets (ROA) | 0.3632% | 5,590 |
| Pretax return on assets | 0.6408% | 4,992 |
| Return on Equity (ROE) | 3.7124% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.7124% | 4,129 |
| Net charge-offs to loans | 0.3229% | 2,742 |
| Credit loss provision to net charge-offs | 112.2333% | 2,432 |
| Earnings coverage of net charge-offs (x) | 3.7454% | 3,284 |
| Efficiency ratio | 76.1483% | 2,717 |
| Assets per employee ($millions) | 6.8429% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1709% | 5,477 |
| Loan loss allowance to noncurrent loans | 227.1907% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5016% | 5,505 |
| Noncurrent loans to loans | 0.5154% | 5,497 |
| Net loans and leases to total assets | 65.8936% | 2,690 |
| Net loans and leases to deposits | 74.5832% | 3,192 |
| Net loans and leases to core deposits | 113.7512% | 460 |
| Total domestic deposits to total assets | 88.3491% | 1,932 |
| Equity capital to assets | 9.1735% | 5,492 |
| Core capital (leverage) ratio | 8.2583% | 5,982 |
| Tier 1 risk-based capital ratio | 11.2923% | 6,338 |
| Total risk-based capital ratio | 12.3679% | 6,417 |
| Memoranda: | ||
| Average total assets | $626,113,670 | 1,059 |
| Average earning assets | $587,218,330 | 1,026 |
| Average equity | $61,254,670 | 1,166 |
| Average total loans | $435,378,330 | 959 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3645% | 4,459 |
| Cost of funding earning assets | 0.8481% | 3,082 |
| Net interest margin | 3.5163% | 4,610 |
| Noninterest income to average assets | 0.4663% | 4,177 |
| Noninterest expense to average assets | 2.8685% | 3,753 |
| Loan and lease loss provision to assets | 0.2511% | 2,446 |
| Net operating income to assets | 0.3597% | 5,430 |
| Return on assets (ROA) | 0.3597% | 5,616 |
| Pretax return on assets | 0.6389% | 4,976 |
| Return on Equity (ROE) | 3.5521% | 5,486 |
| Retained earnings to average equity (ytd only) | 3.5521% | 4,453 |
| Net charge-offs to loans | 0.4344% | 2,009 |
| Credit loss provision to net charge-offs | 81.2500% | 2,702 |
| Earnings coverage of net charge-offs (x) | 2.8793% | 3,026 |
| Efficiency ratio | 75.3102% | 2,890 |
| Assets per employee ($millions) | 6.6767% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 5,696 |
| Loan loss allowance to noncurrent loans | 207.1255% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5713% | 5,463 |
| Noncurrent loans to loans | 0.5573% | 5,544 |
| Net loans and leases to total assets | 71.3161% | 1,519 |
| Net loans and leases to deposits | 81.6115% | 1,983 |
| Net loans and leases to core deposits | 124.5520% | 246 |
| Total domestic deposits to total assets | 87.3849% | 2,730 |
| Equity capital to assets | 9.9742% | 4,152 |
| Core capital (leverage) ratio | 9.2653% | 4,416 |
| Tier 1 risk-based capital ratio | 11.2071% | 6,442 |
| Total risk-based capital ratio | 12.2551% | 6,522 |
| Memoranda: | ||
| Average total assets | $600,445,500 | 1,108 |
| Average earning assets | $562,178,500 | 1,089 |
| Average equity | $60,809,000 | 1,169 |
| Average total loans | $427,225,000 | 980 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2319% | 5,968 |
| Cost of funding earning assets | 1.0446% | 3,067 |
| Net interest margin | 3.1873% | 6,131 |
| Noninterest income to average assets | 0.4918% | 3,907 |
| Noninterest expense to average assets | 2.8099% | 4,312 |
| Loan and lease loss provision to assets | 0.3218% | 3,108 |
| Net operating income to assets | 0.5019% | 4,419 |
| Return on assets (ROA) | 0.5898% | 4,233 |
| Pretax return on assets | 0.4590% | 5,105 |
| Return on Equity (ROE) | 5.4960% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.4960% | 2,302 |
| Net charge-offs to loans | 0.2668% | 4,100 |
| Credit loss provision to net charge-offs | 174.6000% | 1,510 |
| Earnings coverage of net charge-offs (x) | 3.7590% | 3,398 |
| Efficiency ratio | 79.0202% | 2,443 |
| Assets per employee ($millions) | 6.6663% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 5,098 |
| Loan loss allowance to noncurrent loans | 164.5478% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 5,322 |
| Noncurrent loans to loans | 0.7688% | 5,156 |
| Net loans and leases to total assets | 69.2198% | 2,178 |
| Net loans and leases to deposits | 81.4619% | 2,279 |
| Net loans and leases to core deposits | 127.0253% | 269 |
| Total domestic deposits to total assets | 84.9719% | 3,864 |
| Equity capital to assets | 10.2876% | 3,797 |
| Core capital (leverage) ratio | 9.9633% | 3,387 |
| Tier 1 risk-based capital ratio | 12.2574% | 5,641 |
| Total risk-based capital ratio | 13.4397% | 5,669 |
| Memoranda: | ||
| Average total assets | $542,542,600 | 1,217 |
| Average earning assets | $512,533,200 | 1,174 |
| Average equity | $58,224,400 | 1,169 |
| Average total loans | $374,779,600 | 1,134 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0727% | 6,468 |
| Cost of funding earning assets | 1.0879% | 3,061 |
| Net interest margin | 2.9848% | 6,613 |
| Noninterest income to average assets | 0.5687% | 3,379 |
| Noninterest expense to average assets | 2.7709% | 4,461 |
| Loan and lease loss provision to assets | 0.2295% | 3,719 |
| Net operating income to assets | 0.3961% | 5,018 |
| Return on assets (ROA) | 0.5160% | 4,662 |
| Pretax return on assets | 0.5160% | 5,112 |
| Return on Equity (ROE) | 4.7538% | 4,640 |
| Retained earnings to average equity (ytd only) | 4.7538% | 3,348 |
| Net charge-offs to loans | 0.1185% | 4,840 |
| Credit loss provision to net charge-offs | 281.5385% | 1,019 |
| Earnings coverage of net charge-offs (x) | 7.6739% | 2,315 |
| Efficiency ratio | 80.3176% | 2,212 |
| Assets per employee ($millions) | 7.1261% | 692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 5,016 |
| Loan loss allowance to noncurrent loans | 169.5331% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 5,491 |
| Noncurrent loans to loans | 0.7667% | 5,336 |
| Net loans and leases to total assets | 68.0758% | 2,481 |
| Net loans and leases to deposits | 79.3679% | 2,752 |
| Net loans and leases to core deposits | 128.2868% | 264 |
| Total domestic deposits to total assets | 85.7725% | 3,342 |
| Equity capital to assets | 10.7139% | 3,456 |
| Core capital (leverage) ratio | 9.3269% | 4,415 |
| Tier 1 risk-based capital ratio | 12.2605% | 5,693 |
| Total risk-based capital ratio | 13.4355% | 5,737 |
| Memoranda: | ||
| Average total assets | $531,519,250 | 1,258 |
| Average earning assets | $503,565,000 | 1,202 |
| Average equity | $57,692,750 | 1,179 |
| Average total loans | $365,656,750 | 1,170 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0432% | 6,588 |
| Cost of funding earning assets | 1.1277% | 3,049 |
| Net interest margin | 2.9154% | 6,759 |
| Noninterest income to average assets | 0.5727% | 3,315 |
| Noninterest expense to average assets | 2.7722% | 4,538 |
| Loan and lease loss provision to assets | 0.1670% | 4,263 |
| Net operating income to assets | 0.3992% | 4,948 |
| Return on assets (ROA) | 0.4468% | 4,875 |
| Pretax return on assets | 0.4468% | 5,240 |
| Return on Equity (ROE) | 4.0972% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.0972% | 3,590 |
| Net charge-offs to loans | 0.1642% | 4,188 |
| Credit loss provision to net charge-offs | 147.9592% | 2,065 |
| Earnings coverage of net charge-offs (x) | 5.0170% | 2,713 |
| Efficiency ratio | 81.7293% | 2,140 |
| Assets per employee ($millions) | 6.9281% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 5,364 |
| Loan loss allowance to noncurrent loans | 161.2767% | 1,847 |
| Noncurrent assets plus other real estate owned to assets | 0.6552% | 5,592 |
| Noncurrent loans to loans | 0.7686% | 5,375 |
| Net loans and leases to total assets | 66.9322% | 2,833 |
| Net loans and leases to deposits | 77.9025% | 3,134 |
| Net loans and leases to core deposits | 121.1927% | 390 |
| Total domestic deposits to total assets | 85.9180% | 3,369 |
| Equity capital to assets | 10.7496% | 3,228 |
| Core capital (leverage) ratio | 10.1256% | 3,109 |
| Tier 1 risk-based capital ratio | 12.5126% | 5,334 |
| Total risk-based capital ratio | 13.6285% | 5,431 |
| Memoranda: | ||
| Average total assets | $521,039,330 | 1,292 |
| Average earning assets | $494,265,000 | 1,234 |
| Average equity | $56,818,670 | 1,179 |
| Average total loans | $358,113,670 | 1,212 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 6,629 |
| Cost of funding earning assets | 1.1652% | 3,053 |
| Net interest margin | 2.8658% | 6,807 |
| Noninterest income to average assets | 0.6064% | 3,121 |
| Noninterest expense to average assets | 2.7698% | 4,565 |
| Loan and lease loss provision to assets | 0.1614% | 4,013 |
| Net operating income to assets | 0.3946% | 4,975 |
| Return on assets (ROA) | 0.3946% | 5,068 |
| Pretax return on assets | 0.3946% | 5,359 |
| Return on Equity (ROE) | 3.5907% | 5,100 |
| Retained earnings to average equity (ytd only) | 3.5907% | 4,029 |
| Net charge-offs to loans | 0.2104% | 3,252 |
| Credit loss provision to net charge-offs | 110.8108% | 2,416 |
| Earnings coverage of net charge-offs (x) | 3.8162% | 2,624 |
| Efficiency ratio | 81.9323% | 2,239 |
| Assets per employee ($millions) | 6.7002% | 846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 5,337 |
| Loan loss allowance to noncurrent loans | 137.3734% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.7843% | 5,342 |
| Noncurrent loans to loans | 0.9177% | 5,202 |
| Net loans and leases to total assets | 68.8574% | 2,362 |
| Net loans and leases to deposits | 81.7486% | 2,406 |
| Net loans and leases to core deposits | 125.9695% | 314 |
| Total domestic deposits to total assets | 84.2308% | 4,398 |
| Equity capital to assets | 11.0060% | 2,681 |
| Core capital (leverage) ratio | 10.5415% | 2,570 |
| Tier 1 risk-based capital ratio | 12.8587% | 4,937 |
| Total risk-based capital ratio | 13.9947% | 4,998 |
| Memoranda: | ||
| Average total assets | $507,898,500 | 1,327 |
| Average earning assets | $481,967,500 | 1,281 |
| Average equity | $55,810,500 | 1,183 |
| Average total loans | $351,704,500 | 1,245 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 6,943 |
| Cost of funding earning assets | 1.3534% | 3,546 |
| Net interest margin | 2.8342% | 6,988 |
| Noninterest income to average assets | 0.6870% | 2,921 |
| Noninterest expense to average assets | 2.8493% | 4,410 |
| Loan and lease loss provision to assets | 0.3715% | 3,895 |
| Net operating income to assets | 0.1370% | 5,479 |
| Return on assets (ROA) | 0.3257% | 5,005 |
| Pretax return on assets | 0.3257% | 5,162 |
| Return on Equity (ROE) | 2.9586% | 4,976 |
| Retained earnings to average equity (ytd only) | 2.9586% | 3,788 |
| Net charge-offs to loans | 0.0535% | 6,258 |
| Credit loss provision to net charge-offs | 959.6491% | 231 |
| Earnings coverage of net charge-offs (x) | 13.1345% | 1,440 |
| Efficiency ratio | 83.3210% | 2,013 |
| Assets per employee ($millions) | 6.8457% | 799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2799% | 5,106 |
| Loan loss allowance to noncurrent loans | 131.1948% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 0.7517% | 5,502 |
| Noncurrent loans to loans | 0.9756% | 5,101 |
| Net loans and leases to total assets | 67.8748% | 3,012 |
| Net loans and leases to deposits | 81.0058% | 2,989 |
| Net loans and leases to core deposits | 126.6079% | 382 |
| Total domestic deposits to total assets | 83.7901% | 4,458 |
| Equity capital to assets | 10.9709% | 2,713 |
| Core capital (leverage) ratio | 10.9361% | 2,209 |
| Tier 1 risk-based capital ratio | 13.2904% | 4,381 |
| Total risk-based capital ratio | 14.4753% | 4,384 |
| Memoranda: | ||
| Average total assets | $441,761,800 | 1,513 |
| Average earning assets | $416,276,400 | 1,458 |
| Average equity | $48,637,400 | 1,372 |
| Average total loans | $319,922,200 | 1,402 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 7,036 |
| Cost of funding earning assets | 1.3974% | 3,601 |
| Net interest margin | 2.8475% | 7,082 |
| Noninterest income to average assets | 0.6592% | 3,076 |
| Noninterest expense to average assets | 2.8348% | 4,331 |
| Loan and lease loss provision to assets | 0.2638% | 4,468 |
| Net operating income to assets | 0.2394% | 5,392 |
| Return on assets (ROA) | 0.2657% | 5,456 |
| Pretax return on assets | 0.2657% | 5,574 |
| Return on Equity (ROE) | 2.4106% | 5,460 |
| Retained earnings to average equity (ytd only) | 2.4106% | 4,733 |
| Net charge-offs to loans | 0.0605% | 5,907 |
| Credit loss provision to net charge-offs | 592.9577% | 493 |
| Earnings coverage of net charge-offs (x) | 11.3098% | 1,807 |
| Efficiency ratio | 83.3208% | 1,914 |
| Assets per employee ($millions) | 6.4436% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0677% | 6,084 |
| Loan loss allowance to noncurrent loans | 122.2075% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 5,628 |
| Noncurrent loans to loans | 0.8737% | 5,474 |
| Net loans and leases to total assets | 73.6349% | 1,880 |
| Net loans and leases to deposits | 87.5979% | 2,064 |
| Net loans and leases to core deposits | 137.0109% | 291 |
| Total domestic deposits to total assets | 84.0601% | 4,098 |
| Equity capital to assets | 12.0884% | 2,098 |
| Core capital (leverage) ratio | 11.3804% | 2,024 |
| Tier 1 risk-based capital ratio | 13.3404% | 4,320 |
| Total risk-based capital ratio | 14.3387% | 4,481 |
| Memoranda: | ||
| Average total assets | $425,556,250 | 1,591 |
| Average earning assets | $400,345,750 | 1,537 |
| Average equity | $46,902,500 | 1,438 |
| Average total loans | $312,827,500 | 1,449 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2192% | 7,148 |
| Cost of funding earning assets | 1.4309% | 3,664 |
| Net interest margin | 2.7883% | 7,158 |
| Noninterest income to average assets | 0.5446% | 3,752 |
| Noninterest expense to average assets | 2.7546% | 4,688 |
| Loan and lease loss provision to assets | 0.2723% | 4,211 |
| Net operating income to assets | 0.1473% | 5,731 |
| Return on assets (ROA) | 0.1880% | 5,726 |
| Pretax return on assets | 0.1880% | 5,795 |
| Return on Equity (ROE) | 1.7700% | 5,702 |
| Retained earnings to average equity (ytd only) | 1.7700% | 4,980 |
| Net charge-offs to loans | 0.0768% | 5,374 |
| Credit loss provision to net charge-offs | 484.4828% | 767 |
| Earnings coverage of net charge-offs (x) | 7.4655% | 2,294 |
| Efficiency ratio | 85.0405% | 1,816 |
| Assets per employee ($millions) | 6.2339% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 6,109 |
| Loan loss allowance to noncurrent loans | 484.8870% | 667 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 6,760 |
| Noncurrent loans to loans | 0.2196% | 6,804 |
| Net loans and leases to total assets | 73.1037% | 2,141 |
| Net loans and leases to deposits | 85.2277% | 2,652 |
| Net loans and leases to core deposits | 135.0773% | 343 |
| Total domestic deposits to total assets | 85.7745% | 3,219 |
| Equity capital to assets | 10.5431% | 3,354 |
| Core capital (leverage) ratio | 9.6491% | 3,610 |
| Tier 1 risk-based capital ratio | 11.4671% | 5,803 |
| Total risk-based capital ratio | 12.4747% | 6,002 |
| Memoranda: | ||
| Average total assets | $412,761,000 | 1,648 |
| Average earning assets | $389,263,670 | 1,589 |
| Average equity | $43,842,330 | 1,516 |
| Average total loans | $302,000,000 | 1,518 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1917% | 7,274 |
| Cost of funding earning assets | 1.4803% | 3,692 |
| Net interest margin | 2.7113% | 7,284 |
| Noninterest income to average assets | 0.4749% | 4,248 |
| Noninterest expense to average assets | 2.6577% | 5,111 |
| Loan and lease loss provision to assets | 0.2514% | 4,029 |
| Net operating income to assets | 0.1367% | 5,898 |
| Return on assets (ROA) | 0.1367% | 6,024 |
| Pretax return on assets | 0.1367% | 6,043 |
| Return on Equity (ROE) | 1.2816% | 6,037 |
| Retained earnings to average equity (ytd only) | 1.2816% | 5,300 |
| Net charge-offs to loans | 0.0027% | 5,584 |
| Credit loss provision to net charge-offs | 12,600.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 194.5000% | 175 |
| Efficiency ratio | 85.3914% | 1,865 |
| Assets per employee ($millions) | 6.5713% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0828% | 6,093 |
| Loan loss allowance to noncurrent loans | 237.9133% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 6,412 |
| Noncurrent loans to loans | 0.4551% | 6,388 |
| Net loans and leases to total assets | 70.3343% | 2,850 |
| Net loans and leases to deposits | 80.9196% | 3,473 |
| Net loans and leases to core deposits | 125.1682% | 607 |
| Total domestic deposits to total assets | 86.9187% | 2,673 |
| Equity capital to assets | 10.2722% | 3,504 |
| Core capital (leverage) ratio | 9.5313% | 3,719 |
| Tier 1 risk-based capital ratio | 11.7238% | 5,472 |
| Total risk-based capital ratio | 12.7488% | 5,657 |
| Memoranda: | ||
| Average total assets | $400,955,500 | 1,722 |
| Average earning assets | $380,183,000 | 1,664 |
| Average equity | $42,760,000 | 1,562 |
| Average total loans | $291,781,500 | 1,614 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1050% | 7,650 |
| Cost of funding earning assets | 1.5739% | 5,160 |
| Net interest margin | 2.5311% | 7,392 |
| Noninterest income to average assets | 0.7010% | 2,969 |
| Noninterest expense to average assets | 3.2243% | 3,300 |
| Loan and lease loss provision to assets | 0.4813% | 3,958 |
| Net operating income to assets | -0.6122% | 6,284 |
| Return on assets (ROA) | -0.3989% | 6,066 |
| Pretax return on assets | -0.3989% | 5,915 |
| Return on Equity (ROE) | -2.9154% | 5,972 |
| Retained earnings to average equity (ytd only) | -2.9154% | 5,683 |
| Net charge-offs to loans | 0.1242% | 5,947 |
| Credit loss provision to net charge-offs | 536.2989% | 562 |
| Earnings coverage of net charge-offs (x) | -1.4591% | 6,954 |
| Efficiency ratio | 101.8790% | 1,015 |
| Assets per employee ($millions) | 6.4635% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0498% | 6,125 |
| Loan loss allowance to noncurrent loans | 227.3212% | 1,315 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 6,325 |
| Noncurrent loans to loans | 0.4618% | 6,338 |
| Net loans and leases to total assets | 73.8271% | 2,310 |
| Net loans and leases to deposits | 86.7571% | 2,780 |
| Net loans and leases to core deposits | 143.7188% | 683 |
| Total domestic deposits to total assets | 85.0963% | 3,506 |
| Equity capital to assets | 11.0972% | 2,623 |
| Core capital (leverage) ratio | 10.3505% | 2,740 |
| Tier 1 risk-based capital ratio | 12.3111% | 4,672 |
| Total risk-based capital ratio | 13.3115% | 4,854 |
| Memoranda: | ||
| Average total assets | $313,123,600 | 2,145 |
| Average earning assets | $295,953,400 | 2,099 |
| Average equity | $42,841,400 | 1,557 |
| Average total loans | $226,196,400 | 2,051 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0024% | 7,803 |
| Cost of funding earning assets | 1.5623% | 5,580 |
| Net interest margin | 2.4400% | 7,525 |
| Noninterest income to average assets | 0.7286% | 2,833 |
| Noninterest expense to average assets | 3.2983% | 2,930 |
| Loan and lease loss provision to assets | 0.4873% | 3,465 |
| Net operating income to assets | -0.7507% | 6,647 |
| Return on assets (ROA) | -0.5971% | 6,520 |
| Pretax return on assets | -0.5971% | 6,386 |
| Return on Equity (ROE) | -4.1142% | 6,352 |
| Retained earnings to average equity (ytd only) | -4.1142% | 6,126 |
| Net charge-offs to loans | 0.1405% | 5,299 |
| Credit loss provision to net charge-offs | 485.2018% | 814 |
| Earnings coverage of net charge-offs (x) | -2.6233% | 6,783 |
| Efficiency ratio | 106.3214% | 848 |
| Assets per employee ($millions) | 6.2201% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0547% | 5,986 |
| Loan loss allowance to noncurrent loans | 594.1043% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.2443% | 6,910 |
| Noncurrent loans to loans | 0.1775% | 7,051 |
| Net loans and leases to total assets | 70.5641% | 3,374 |
| Net loans and leases to deposits | 84.5290% | 3,561 |
| Net loans and leases to core deposits | 131.3232% | 1,356 |
| Total domestic deposits to total assets | 83.4791% | 3,973 |
| Equity capital to assets | 12.3713% | 2,018 |
| Core capital (leverage) ratio | 11.6349% | 2,002 |
| Tier 1 risk-based capital ratio | 14.0022% | 3,554 |
| Total risk-based capital ratio | 15.0076% | 3,633 |
| Memoranda: | ||
| Average total assets | $296,067,500 | 2,256 |
| Average earning assets | $279,828,000 | 2,197 |
| Average equity | $42,972,000 | 1,573 |
| Average total loans | $211,614,250 | 2,204 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9975% | 7,908 |
| Cost of funding earning assets | 1.5569% | 5,900 |
| Net interest margin | 2.4405% | 7,538 |
| Noninterest income to average assets | 0.7429% | 2,739 |
| Noninterest expense to average assets | 3.3655% | 2,738 |
| Loan and lease loss provision to assets | 0.5527% | 2,805 |
| Net operating income to assets | -0.8757% | 6,887 |
| Return on assets (ROA) | -0.8233% | 6,848 |
| Pretax return on assets | -0.8233% | 6,694 |
| Return on Equity (ROE) | -5.3433% | 6,645 |
| Retained earnings to average equity (ytd only) | -5.3433% | 6,351 |
| Net charge-offs to loans | 0.2217% | 4,113 |
| Credit loss provision to net charge-offs | 348.4163% | 1,331 |
| Earnings coverage of net charge-offs (x) | -2.0362% | 6,357 |
| Efficiency ratio | 108.4690% | 893 |
| Assets per employee ($millions) | 5.4459% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 5,975 |
| Loan loss allowance to noncurrent loans | 522.6244% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 6,801 |
| Noncurrent loans to loans | 0.1987% | 7,019 |
| Net loans and leases to total assets | 69.6871% | 3,772 |
| Net loans and leases to deposits | 89.2563% | 2,941 |
| Net loans and leases to core deposits | 119.9373% | 2,379 |
| Total domestic deposits to total assets | 78.0752% | 6,054 |
| Equity capital to assets | 13.4894% | 1,497 |
| Core capital (leverage) ratio | 12.9877% | 1,434 |
| Tier 1 risk-based capital ratio | 15.4510% | 2,832 |
| Total risk-based capital ratio | 16.4286% | 2,883 |
| Memoranda: | ||
| Average total assets | $278,649,000 | 2,389 |
| Average earning assets | $262,566,330 | 2,325 |
| Average equity | $42,932,000 | 1,588 |
| Average total loans | $199,348,670 | 2,361 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0222% | 7,985 |
| Cost of funding earning assets | 1.5296% | 6,312 |
| Net interest margin | 2.4926% | 7,512 |
| Noninterest income to average assets | 0.9014% | 1,847 |
| Noninterest expense to average assets | 3.5087% | 2,080 |
| Loan and lease loss provision to assets | 0.6076% | 2,072 |
| Net operating income to assets | -0.8737% | 7,171 |
| Return on assets (ROA) | -0.8737% | 7,200 |
| Pretax return on assets | -0.8737% | 7,080 |
| Return on Equity (ROE) | -5.2722% | 6,997 |
| Retained earnings to average equity (ytd only) | -5.2722% | 6,589 |
| Net charge-offs to loans | 0.2215% | 3,312 |
| Credit loss provision to net charge-offs | 379.8077% | 1,358 |
| Earnings coverage of net charge-offs (x) | -1.6635% | 5,446 |
| Efficiency ratio | 107.1157% | 894 |
| Assets per employee ($millions) | 4.7772% | 2,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,806 |
| Loan loss allowance to noncurrent loans | 4,560.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 7,367 |
| Noncurrent loans to loans | 0.0231% | 7,487 |
| Net loans and leases to total assets | 69.7161% | 3,742 |
| Net loans and leases to deposits | 88.9032% | 3,123 |
| Net loans and leases to core deposits | 111.3033% | 3,283 |
| Total domestic deposits to total assets | 78.4180% | 5,882 |
| Equity capital to assets | 15.5050% | 964 |
| Core capital (leverage) ratio | 15.4414% | 877 |
| Tier 1 risk-based capital ratio | 18.1016% | 2,023 |
| Total risk-based capital ratio | 19.1069% | 2,036 |
| Memoranda: | ||
| Average total assets | $260,042,500 | 2,550 |
| Average earning assets | $244,244,000 | 2,501 |
| Average equity | $43,094,000 | 1,585 |
| Average total loans | $187,810,500 | 2,497 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 7,793 |
| Cost of funding earning assets | 2.1319% | 5,919 |
| Net interest margin | 2.9354% | 7,064 |
| Noninterest income to average assets | 0.7687% | 2,675 |
| Noninterest expense to average assets | 4.5864% | 821 |
| Loan and lease loss provision to assets | 0.9292% | 1,597 |
| Net operating income to assets | -2.0220% | 7,607 |
| Return on assets (ROA) | -1.6301% | 7,464 |
| Pretax return on assets | -1.6301% | 7,309 |
| Return on Equity (ROE) | -7.2132% | 7,063 |
| Retained earnings to average equity (ytd only) | -14.4236% | 7,423 |
| Net charge-offs to loans | 0.0854% | 5,535 |
| Credit loss provision to net charge-offs | 1,609.8901% | 271 |
| Earnings coverage of net charge-offs (x) | -18.9341% | 6,942 |
| Efficiency ratio | 127.8322% | 485 |
| Assets per employee ($millions) | 4.2633% | 3,010 |
| Cash dividends to net income (ytd only)* | -99.9611% | 8,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9762% | 6,234 |
| Loan loss allowance to noncurrent loans | 701.5936% | 653 |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 7,129 |
| Noncurrent loans to loans | 0.1391% | 6,994 |
| Net loans and leases to total assets | 73.5123% | 3,225 |
| Net loans and leases to deposits | 102.2178% | 1,571 |
| Net loans and leases to core deposits | 124.8367% | 2,263 |
| Total domestic deposits to total assets | 71.9173% | 7,012 |
| Equity capital to assets | 17.7884% | 676 |
| Core capital (leverage) ratio | 17.6664% | 637 |
| Tier 1 risk-based capital ratio | 20.5125% | 1,534 |
| Total risk-based capital ratio | 21.4774% | 1,548 |
| Memoranda: | ||
| Average total assets | $157,663,200 | 3,764 |
| Average earning assets | $146,351,200 | 3,719 |
| Average equity | $35,629,200 | 1,890 |
| Average total loans | $106,564,600 | 3,775 |