Home > First Star Bank, S.S.B. > Performance and Condition Ratios
First Star Bank, S.S.B., Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2591% | 2,745 |
| Cost of funding earning assets | 0.3009% | 4,787 |
| Net interest margin | 3.9582% | 2,016 |
| Noninterest income to average assets | 0.4992% | 3,520 |
| Noninterest expense to average assets | 2.9483% | 3,006 |
| Loan and lease loss provision to assets | 0.0162% | 4,282 |
| Net operating income to assets | 0.7750% | 3,499 |
| Return on assets (ROA) | 0.7750% | 3,590 |
| Pretax return on assets | 1.1619% | 2,815 |
| Return on Equity (ROE) | 7.3602% | 3,435 |
| Retained earnings to average equity (ytd only) | 5.0493% | 2,569 |
| Net charge-offs to loans | 0.0516% | 3,798 |
| Credit loss provision to net charge-offs | 50.0000% | 3,478 |
| Earnings coverage of net charge-offs (x) | 36.3125% | 1,168 |
| Efficiency ratio | 71.4496% | 3,303 |
| Assets per employee ($millions) | 5.6174% | 1,676 |
| Cash dividends to net income (ytd only)* | 31.3972% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6409% | 6,087 |
| Loan loss allowance to noncurrent loans | 100.9830% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 0.4238% | 4,406 |
| Noncurrent loans to loans | 0.6346% | 3,780 |
| Net loans and leases to total assets | 66.3555% | 2,825 |
| Net loans and leases to deposits | 87.9813% | 1,732 |
| Net loans and leases to core deposits | 98.2883% | 1,528 |
| Total domestic deposits to total assets | 75.4200% | 5,809 |
| Equity capital to assets | 10.2561% | 3,784 |
| Core capital (leverage) ratio | 11.9033% | 1,695 |
| Tier 1 risk-based capital ratio | 14.4895% | 3,782 |
| Total risk-based capital ratio | 15.0780% | 4,154 |
| Memoranda: | ||
| Average total assets | $246,580,600 | 2,556 |
| Average earning assets | $225,960,600 | 2,564 |
| Average equity | $25,964,000 | 2,574 |
| Average total loans | $154,986,800 | 2,494 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 2,547 |
| Cost of funding earning assets | 0.3057% | 4,832 |
| Net interest margin | 4.0139% | 1,842 |
| Noninterest income to average assets | 0.4761% | 3,712 |
| Noninterest expense to average assets | 2.8899% | 3,159 |
| Loan and lease loss provision to assets | 0.0055% | 4,303 |
| Net operating income to assets | 0.8295% | 3,291 |
| Return on assets (ROA) | 0.8295% | 3,379 |
| Pretax return on assets | 1.2594% | 2,535 |
| Return on Equity (ROE) | 7.8226% | 3,301 |
| Retained earnings to average equity (ytd only) | 5.4868% | 2,764 |
| Net charge-offs to loans | 0.0677% | 3,236 |
| Credit loss provision to net charge-offs | 13.1579% | 3,670 |
| Earnings coverage of net charge-offs (x) | 30.2370% | 1,364 |
| Efficiency ratio | 69.5548% | 3,584 |
| Assets per employee ($millions) | 4.7270% | 2,625 |
| Cash dividends to net income (ytd only)* | 29.8609% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7129% | 6,076 |
| Loan loss allowance to noncurrent loans | 104.9430% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 0.4912% | 4,416 |
| Noncurrent loans to loans | 0.6793% | 3,912 |
| Net loans and leases to total assets | 65.0576% | 3,018 |
| Net loans and leases to deposits | 80.0334% | 2,684 |
| Net loans and leases to core deposits | 89.7756% | 2,246 |
| Total domestic deposits to total assets | 81.2881% | 4,735 |
| Equity capital to assets | 11.2586% | 2,696 |
| Core capital (leverage) ratio | 11.8816% | 1,770 |
| Tier 1 risk-based capital ratio | 16.2739% | 2,924 |
| Total risk-based capital ratio | 16.9255% | 3,166 |
| Memoranda: | ||
| Average total assets | $242,221,000 | 2,611 |
| Average earning assets | $221,988,750 | 2,616 |
| Average equity | $25,685,500 | 2,610 |
| Average total loans | $149,653,250 | 2,581 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 2,938 |
| Cost of funding earning assets | 0.3063% | 4,912 |
| Net interest margin | 3.8977% | 2,177 |
| Noninterest income to average assets | 0.5070% | 3,430 |
| Noninterest expense to average assets | 2.8602% | 3,312 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7970% | 3,352 |
| Return on assets (ROA) | 0.7970% | 3,453 |
| Pretax return on assets | 1.2114% | 2,620 |
| Return on Equity (ROE) | 7.6683% | 3,282 |
| Retained earnings to average equity (ytd only) | 5.3039% | 2,758 |
| Net charge-offs to loans | 0.0487% | 3,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 41.0833% | 1,036 |
| Efficiency ratio | 70.2474% | 3,615 |
| Assets per employee ($millions) | 4.8025% | 2,473 |
| Cash dividends to net income (ytd only)* | 30.8325% | 2,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6522% | 6,245 |
| Loan loss allowance to noncurrent loans | 70.7865% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6177% | 4,118 |
| Noncurrent loans to loans | 0.9213% | 3,418 |
| Net loans and leases to total assets | 66.6122% | 2,653 |
| Net loans and leases to deposits | 88.0183% | 1,598 |
| Net loans and leases to core deposits | 98.3277% | 1,418 |
| Total domestic deposits to total assets | 75.6799% | 5,956 |
| Equity capital to assets | 10.0641% | 4,016 |
| Core capital (leverage) ratio | 11.5321% | 1,976 |
| Tier 1 risk-based capital ratio | 14.3425% | 4,032 |
| Total risk-based capital ratio | 14.9407% | 4,406 |
| Memoranda: | ||
| Average total assets | $244,177,330 | 2,600 |
| Average earning assets | $223,309,670 | 2,609 |
| Average equity | $25,377,330 | 2,624 |
| Average total loans | $147,914,670 | 2,613 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2257% | 2,778 |
| Cost of funding earning assets | 0.3152% | 4,915 |
| Net interest margin | 3.9104% | 2,056 |
| Noninterest income to average assets | 0.4784% | 3,574 |
| Noninterest expense to average assets | 3.0448% | 2,712 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6593% | 3,897 |
| Return on assets (ROA) | 0.6593% | 3,992 |
| Pretax return on assets | 0.9992% | 3,320 |
| Return on Equity (ROE) | 6.2360% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.8375% | 3,826 |
| Net charge-offs to loans | -0.0030% | 4,737 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2926% | 2,909 |
| Assets per employee ($millions) | 4.1800% | 3,572 |
| Cash dividends to net income (ytd only)* | 38.4615% | 2,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 5,954 |
| Loan loss allowance to noncurrent loans | 91.2705% | 3,846 |
| Noncurrent assets plus other real estate owned to assets | 0.6122% | 4,300 |
| Noncurrent loans to loans | 0.9499% | 3,513 |
| Net loans and leases to total assets | 57.1983% | 3,971 |
| Net loans and leases to deposits | 66.8472% | 3,990 |
| Net loans and leases to core deposits | 74.4281% | 3,600 |
| Total domestic deposits to total assets | 85.5657% | 3,581 |
| Equity capital to assets | 10.9274% | 2,786 |
| Core capital (leverage) ratio | 11.3975% | 2,052 |
| Tier 1 risk-based capital ratio | 17.4244% | 2,504 |
| Total risk-based capital ratio | 18.1870% | 2,673 |
| Memoranda: | ||
| Average total assets | $236,597,500 | 2,670 |
| Average earning assets | $215,730,000 | 2,684 |
| Average equity | $25,016,000 | 2,644 |
| Average total loans | $134,930,000 | 2,813 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5784% | 1,938 |
| Cost of funding earning assets | 0.3522% | 5,109 |
| Net interest margin | 4.2262% | 1,284 |
| Noninterest income to average assets | 0.7625% | 2,245 |
| Noninterest expense to average assets | 2.8165% | 3,670 |
| Loan and lease loss provision to assets | 0.0187% | 4,757 |
| Net operating income to assets | 1.1941% | 1,591 |
| Return on assets (ROA) | 1.1941% | 1,657 |
| Pretax return on assets | 1.8301% | 701 |
| Return on Equity (ROE) | 13.1138% | 1,145 |
| Retained earnings to average equity (ytd only) | 10.6472% | 474 |
| Net charge-offs to loans | 0.0363% | 4,720 |
| Credit loss provision to net charge-offs | 78.1250% | 3,093 |
| Earnings coverage of net charge-offs (x) | 77.1719% | 562 |
| Efficiency ratio | 60.3707% | 5,419 |
| Assets per employee ($millions) | 4.1950% | 3,449 |
| Cash dividends to net income (ytd only)* | 18.8088% | 3,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8680% | 6,016 |
| Loan loss allowance to noncurrent loans | 82.3364% | 4,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 4,024 |
| Noncurrent loans to loans | 1.0542% | 3,405 |
| Net loans and leases to total assets | 55.8849% | 4,340 |
| Net loans and leases to deposits | 64.7401% | 4,440 |
| Net loans and leases to core deposits | 71.9548% | 4,076 |
| Total domestic deposits to total assets | 86.3219% | 3,100 |
| Equity capital to assets | 10.2265% | 3,474 |
| Core capital (leverage) ratio | 11.8387% | 1,724 |
| Tier 1 risk-based capital ratio | 17.2191% | 2,520 |
| Total risk-based capital ratio | 17.9789% | 2,702 |
| Memoranda: | ||
| Average total assets | $267,144,600 | 2,379 |
| Average earning assets | $246,701,000 | 2,365 |
| Average equity | $24,325,600 | 2,704 |
| Average total loans | $176,305,400 | 2,235 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7224% | 1,540 |
| Cost of funding earning assets | 0.3578% | 5,218 |
| Net interest margin | 4.3646% | 960 |
| Noninterest income to average assets | 0.8360% | 1,992 |
| Noninterest expense to average assets | 2.7220% | 3,935 |
| Loan and lease loss provision to assets | 0.0243% | 4,521 |
| Net operating income to assets | 1.3992% | 1,102 |
| Return on assets (ROA) | 1.3992% | 1,151 |
| Pretax return on assets | 2.1297% | 447 |
| Return on Equity (ROE) | 15.7897% | 669 |
| Retained earnings to average equity (ytd only) | 13.3200% | 307 |
| Net charge-offs to loans | 0.0350% | 4,442 |
| Credit loss provision to net charge-offs | 102.0408% | 2,294 |
| Earnings coverage of net charge-offs (x) | 90.3902% | 535 |
| Efficiency ratio | 55.8249% | 5,924 |
| Assets per employee ($millions) | 4.0686% | 3,698 |
| Cash dividends to net income (ytd only)* | 15.6414% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9843% | 5,791 |
| Loan loss allowance to noncurrent loans | 236.5269% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 5,240 |
| Noncurrent loans to loans | 0.4162% | 5,153 |
| Net loans and leases to total assets | 53.2694% | 4,712 |
| Net loans and leases to deposits | 62.6949% | 4,673 |
| Net loans and leases to core deposits | 70.4118% | 4,277 |
| Total domestic deposits to total assets | 84.9661% | 3,768 |
| Equity capital to assets | 11.0174% | 2,741 |
| Core capital (leverage) ratio | 11.0971% | 2,386 |
| Tier 1 risk-based capital ratio | 23.2500% | 1,106 |
| Total risk-based capital ratio | 24.2955% | 1,124 |
| Memoranda: | ||
| Average total assets | $274,152,500 | 2,322 |
| Average earning assets | $253,761,750 | 2,305 |
| Average equity | $24,293,750 | 2,730 |
| Average total loans | $186,682,250 | 2,134 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6340% | 1,745 |
| Cost of funding earning assets | 0.3422% | 5,472 |
| Net interest margin | 4.2917% | 1,047 |
| Noninterest income to average assets | 0.8242% | 2,092 |
| Noninterest expense to average assets | 2.5448% | 4,581 |
| Loan and lease loss provision to assets | 0.0344% | 4,255 |
| Net operating income to assets | 1.4752% | 943 |
| Return on assets (ROA) | 1.4752% | 1,018 |
| Pretax return on assets | 2.2362% | 392 |
| Return on Equity (ROE) | 17.7549% | 480 |
| Retained earnings to average equity (ytd only) | 15.2728% | 221 |
| Net charge-offs to loans | 0.0268% | 4,319 |
| Credit loss provision to net charge-offs | 178.5714% | 1,336 |
| Earnings coverage of net charge-offs (x) | 117.9643% | 408 |
| Efficiency ratio | 52.8480% | 6,229 |
| Assets per employee ($millions) | 5.6497% | 1,460 |
| Cash dividends to net income (ytd only)* | 13.9795% | 3,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6100% | 6,603 |
| Loan loss allowance to noncurrent loans | 353.6657% | 1,188 |
| Noncurrent assets plus other real estate owned to assets | 0.3551% | 5,423 |
| Noncurrent loans to loans | 0.1725% | 5,886 |
| Net loans and leases to total assets | 69.5628% | 1,957 |
| Net loans and leases to deposits | 100.0453% | 424 |
| Net loans and leases to core deposits | 110.6446% | 537 |
| Total domestic deposits to total assets | 69.5313% | 6,674 |
| Equity capital to assets | 8.4793% | 5,784 |
| Core capital (leverage) ratio | 10.1475% | 3,297 |
| Tier 1 risk-based capital ratio | 18.0062% | 2,315 |
| Total risk-based capital ratio | 18.8488% | 2,444 |
| Memoranda: | ||
| Average total assets | $290,945,330 | 2,216 |
| Average earning assets | $270,567,000 | 2,188 |
| Average equity | $24,173,670 | 2,751 |
| Average total loans | $208,780,330 | 1,945 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6723% | 1,614 |
| Cost of funding earning assets | 0.3454% | 5,586 |
| Net interest margin | 4.3268% | 917 |
| Noninterest income to average assets | 0.6654% | 2,786 |
| Noninterest expense to average assets | 2.5842% | 4,452 |
| Loan and lease loss provision to assets | 0.0678% | 3,506 |
| Net operating income to assets | 1.3551% | 1,142 |
| Return on assets (ROA) | 1.3551% | 1,231 |
| Pretax return on assets | 2.0530% | 542 |
| Return on Equity (ROE) | 16.4718% | 556 |
| Retained earnings to average equity (ytd only) | 14.0010% | 449 |
| Net charge-offs to loans | 0.0877% | 2,964 |
| Credit loss provision to net charge-offs | 106.3830% | 1,738 |
| Earnings coverage of net charge-offs (x) | 33.2979% | 906 |
| Efficiency ratio | 54.9251% | 6,162 |
| Assets per employee ($millions) | 5.4871% | 1,684 |
| Cash dividends to net income (ytd only)* | 15.0000% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6179% | 6,683 |
| Loan loss allowance to noncurrent loans | 85.3957% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 0.7596% | 4,479 |
| Noncurrent loans to loans | 0.7236% | 4,682 |
| Net loans and leases to total assets | 69.5846% | 1,734 |
| Net loans and leases to deposits | 95.2697% | 581 |
| Net loans and leases to core deposits | 104.7805% | 689 |
| Total domestic deposits to total assets | 73.0396% | 6,596 |
| Equity capital to assets | 8.9804% | 5,506 |
| Core capital (leverage) ratio | 9.1695% | 4,614 |
| Tier 1 risk-based capital ratio | 18.4901% | 2,198 |
| Total risk-based capital ratio | 19.3760% | 2,275 |
| Memoranda: | ||
| Average total assets | $295,174,500 | 2,222 |
| Average earning assets | $275,583,000 | 2,182 |
| Average equity | $24,284,000 | 2,778 |
| Average total loans | $214,314,500 | 1,915 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6489% | 2,799 |
| Cost of funding earning assets | 0.4257% | 5,747 |
| Net interest margin | 4.2233% | 1,593 |
| Noninterest income to average assets | 0.7362% | 2,559 |
| Noninterest expense to average assets | 2.4458% | 5,270 |
| Loan and lease loss provision to assets | 0.0805% | 4,694 |
| Net operating income to assets | 1.3978% | 1,106 |
| Return on assets (ROA) | 1.4927% | 1,027 |
| Pretax return on assets | 2.2668% | 355 |
| Return on Equity (ROE) | 18.9848% | 359 |
| Retained earnings to average equity (ytd only) | 17.1642% | 88 |
| Net charge-offs to loans | 0.0694% | 4,990 |
| Credit loss provision to net charge-offs | 164.2336% | 1,632 |
| Earnings coverage of net charge-offs (x) | 44.9416% | 730 |
| Efficiency ratio | 52.6057% | 6,409 |
| Assets per employee ($millions) | 6.3199% | 1,090 |
| Cash dividends to net income (ytd only)* | 9.5900% | 4,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5006% | 6,838 |
| Loan loss allowance to noncurrent loans | 184.1369% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 5,366 |
| Noncurrent loans to loans | 0.2718% | 5,803 |
| Net loans and leases to total assets | 74.4790% | 1,127 |
| Net loans and leases to deposits | 109.2116% | 168 |
| Net loans and leases to core deposits | 118.9700% | 303 |
| Total domestic deposits to total assets | 68.1970% | 6,852 |
| Equity capital to assets | 7.5729% | 6,608 |
| Core capital (leverage) ratio | 8.6399% | 5,409 |
| Tier 1 risk-based capital ratio | 16.1499% | 3,078 |
| Total risk-based capital ratio | 16.9492% | 3,276 |
| Memoranda: | ||
| Average total assets | $279,419,200 | 2,276 |
| Average earning assets | $258,897,600 | 2,252 |
| Average equity | $21,970,200 | 2,974 |
| Average total loans | $197,505,800 | 2,027 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5990% | 3,204 |
| Cost of funding earning assets | 0.4496% | 5,801 |
| Net interest margin | 4.1493% | 1,904 |
| Noninterest income to average assets | 0.7686% | 2,386 |
| Noninterest expense to average assets | 2.3329% | 5,592 |
| Loan and lease loss provision to assets | 0.0740% | 4,735 |
| Net operating income to assets | 1.4475% | 1,129 |
| Return on assets (ROA) | 1.5781% | 995 |
| Pretax return on assets | 2.3926% | 350 |
| Return on Equity (ROE) | 19.8565% | 336 |
| Retained earnings to average equity (ytd only) | 17.9944% | 121 |
| Net charge-offs to loans | 0.0597% | 4,830 |
| Credit loss provision to net charge-offs | 178.5714% | 1,562 |
| Earnings coverage of net charge-offs (x) | 54.7487% | 705 |
| Efficiency ratio | 50.6968% | 6,535 |
| Assets per employee ($millions) | 6.1182% | 1,174 |
| Cash dividends to net income (ytd only)* | 9.3779% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5659% | 6,896 |
| Loan loss allowance to noncurrent loans | 83.0000% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.7804% | 4,756 |
| Noncurrent loans to loans | 0.6818% | 5,079 |
| Net loans and leases to total assets | 71.0077% | 1,722 |
| Net loans and leases to deposits | 100.4640% | 416 |
| Net loans and leases to core deposits | 109.8134% | 579 |
| Total domestic deposits to total assets | 70.6798% | 6,811 |
| Equity capital to assets | 8.0197% | 6,579 |
| Core capital (leverage) ratio | 9.1449% | 4,841 |
| Tier 1 risk-based capital ratio | 16.6993% | 2,894 |
| Total risk-based capital ratio | 17.5410% | 3,084 |
| Memoranda: | ||
| Average total assets | $270,275,250 | 2,361 |
| Average earning assets | $249,673,000 | 2,348 |
| Average equity | $21,480,250 | 3,065 |
| Average total loans | $187,748,750 | 2,132 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6083% | 3,325 |
| Cost of funding earning assets | 0.4706% | 5,827 |
| Net interest margin | 4.1378% | 1,946 |
| Noninterest income to average assets | 0.7879% | 2,243 |
| Noninterest expense to average assets | 2.3719% | 5,559 |
| Loan and lease loss provision to assets | 0.1134% | 4,111 |
| Net operating income to assets | 1.4071% | 1,176 |
| Return on assets (ROA) | 1.4071% | 1,314 |
| Pretax return on assets | 2.1322% | 544 |
| Return on Equity (ROE) | 17.7633% | 533 |
| Retained earnings to average equity (ytd only) | 15.8543% | 232 |
| Net charge-offs to loans | 0.0847% | 4,301 |
| Credit loss provision to net charge-offs | 194.8052% | 1,455 |
| Earnings coverage of net charge-offs (x) | 38.5714% | 900 |
| Efficiency ratio | 51.3673% | 6,551 |
| Assets per employee ($millions) | 5.3354% | 1,787 |
| Cash dividends to net income (ytd only)* | 10.7469% | 3,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6354% | 6,894 |
| Loan loss allowance to noncurrent loans | 109.2523% | 2,972 |
| Noncurrent assets plus other real estate owned to assets | 0.7302% | 4,971 |
| Noncurrent loans to loans | 0.5816% | 5,347 |
| Net loans and leases to total assets | 68.5263% | 2,197 |
| Net loans and leases to deposits | 95.0022% | 696 |
| Net loans and leases to core deposits | 103.3719% | 897 |
| Total domestic deposits to total assets | 72.1313% | 6,793 |
| Equity capital to assets | 8.2041% | 6,445 |
| Core capital (leverage) ratio | 9.3975% | 4,299 |
| Tier 1 risk-based capital ratio | 12.9277% | 5,233 |
| Total risk-based capital ratio | 13.6205% | 5,653 |
| Memoranda: | ||
| Average total assets | $264,515,000 | 2,418 |
| Average earning assets | $244,817,000 | 2,403 |
| Average equity | $20,953,330 | 3,115 |
| Average total loans | $181,882,000 | 2,194 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8109% | 2,587 |
| Cost of funding earning assets | 0.5106% | 5,744 |
| Net interest margin | 4.3003% | 1,463 |
| Noninterest income to average assets | 0.7609% | 2,344 |
| Noninterest expense to average assets | 2.3053% | 5,755 |
| Loan and lease loss provision to assets | 0.1139% | 3,931 |
| Net operating income to assets | 1.5475% | 945 |
| Return on assets (ROA) | 1.5475% | 1,058 |
| Pretax return on assets | 2.3448% | 420 |
| Return on Equity (ROE) | 19.8955% | 395 |
| Retained earnings to average equity (ytd only) | 17.9431% | 259 |
| Net charge-offs to loans | 0.1062% | 3,494 |
| Credit loss provision to net charge-offs | 156.2500% | 1,621 |
| Earnings coverage of net charge-offs (x) | 33.7292% | 841 |
| Efficiency ratio | 48.3902% | 6,771 |
| Assets per employee ($millions) | 5.0187% | 2,231 |
| Cash dividends to net income (ytd only)* | 9.8135% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6540% | 6,931 |
| Loan loss allowance to noncurrent loans | 202.3423% | 1,639 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 5,377 |
| Noncurrent loans to loans | 0.3232% | 6,030 |
| Net loans and leases to total assets | 66.6496% | 2,358 |
| Net loans and leases to deposits | 86.5935% | 1,340 |
| Net loans and leases to core deposits | 94.0553% | 1,463 |
| Total domestic deposits to total assets | 76.9683% | 6,408 |
| Equity capital to assets | 8.1582% | 6,403 |
| Core capital (leverage) ratio | 8.5378% | 5,526 |
| Tier 1 risk-based capital ratio | 15.3690% | 3,517 |
| Total risk-based capital ratio | 16.1880% | 3,759 |
| Memoranda: | ||
| Average total assets | $263,388,000 | 2,444 |
| Average earning assets | $245,191,500 | 2,410 |
| Average equity | $20,487,000 | 3,164 |
| Average total loans | $180,835,000 | 2,225 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7071% | 4,211 |
| Cost of funding earning assets | 0.6821% | 5,649 |
| Net interest margin | 4.0250% | 2,761 |
| Noninterest income to average assets | 0.6863% | 2,683 |
| Noninterest expense to average assets | 2.7845% | 4,404 |
| Loan and lease loss provision to assets | 0.0112% | 6,396 |
| Net operating income to assets | 1.0458% | 2,021 |
| Return on assets (ROA) | 1.4168% | 1,070 |
| Pretax return on assets | 2.1540% | 401 |
| Return on Equity (ROE) | 17.5312% | 422 |
| Retained earnings to average equity (ytd only) | 15.8747% | 99 |
| Net charge-offs to loans | 0.0850% | 5,474 |
| Credit loss provision to net charge-offs | 20.4918% | 5,913 |
| Earnings coverage of net charge-offs (x) | 30.0492% | 843 |
| Efficiency ratio | 62.9921% | 5,301 |
| Assets per employee ($millions) | 5.6422% | 1,489 |
| Cash dividends to net income (ytd only)* | 9.4488% | 3,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5770% | 7,030 |
| Loan loss allowance to noncurrent loans | 285.4167% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5480% | 5,599 |
| Noncurrent loans to loans | 0.2022% | 6,343 |
| Net loans and leases to total assets | 69.7353% | 2,085 |
| Net loans and leases to deposits | 90.0903% | 1,149 |
| Net loans and leases to core deposits | 96.8607% | 1,423 |
| Total domestic deposits to total assets | 77.4060% | 6,282 |
| Equity capital to assets | 7.4192% | 6,847 |
| Core capital (leverage) ratio | 8.3146% | 5,835 |
| Tier 1 risk-based capital ratio | 14.2198% | 4,164 |
| Total risk-based capital ratio | 14.9931% | 4,487 |
| Memoranda: | ||
| Average total assets | $224,095,800 | 2,795 |
| Average earning assets | $207,899,000 | 2,753 |
| Average equity | $18,110,600 | 3,412 |
| Average total loans | $143,521,200 | 2,731 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5787% | 4,955 |
| Cost of funding earning assets | 0.7252% | 5,626 |
| Net interest margin | 3.8535% | 3,595 |
| Noninterest income to average assets | 0.7369% | 2,382 |
| Noninterest expense to average assets | 2.8397% | 4,192 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9350% | 2,595 |
| Return on assets (ROA) | 1.4569% | 1,108 |
| Pretax return on assets | 2.2107% | 418 |
| Return on Equity (ROE) | 17.5679% | 502 |
| Retained earnings to average equity (ytd only) | 16.0541% | 177 |
| Net charge-offs to loans | 0.0606% | 5,361 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 38.9324% | 786 |
| Efficiency ratio | 65.9475% | 4,735 |
| Assets per employee ($millions) | 5.2027% | 1,928 |
| Cash dividends to net income (ytd only)* | 8.6170% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6839% | 6,988 |
| Loan loss allowance to noncurrent loans | 89.9921% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 1.1160% | 4,546 |
| Noncurrent loans to loans | 0.7600% | 5,356 |
| Net loans and leases to total assets | 65.8829% | 2,928 |
| Net loans and leases to deposits | 79.6077% | 2,702 |
| Net loans and leases to core deposits | 85.6428% | 2,823 |
| Total domestic deposits to total assets | 82.7594% | 4,777 |
| Equity capital to assets | 7.7788% | 6,810 |
| Core capital (leverage) ratio | 9.2821% | 4,477 |
| Tier 1 risk-based capital ratio | 16.3629% | 2,932 |
| Total risk-based capital ratio | 17.3185% | 3,045 |
| Memoranda: | ||
| Average total assets | $212,413,750 | 2,926 |
| Average earning assets | $196,734,000 | 2,906 |
| Average equity | $17,615,000 | 3,483 |
| Average total loans | $131,912,500 | 2,975 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6756% | 4,642 |
| Cost of funding earning assets | 0.7966% | 5,391 |
| Net interest margin | 3.8790% | 3,397 |
| Noninterest income to average assets | 0.7541% | 2,245 |
| Noninterest expense to average assets | 3.0584% | 3,394 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8391% | 2,909 |
| Return on assets (ROA) | 0.8391% | 3,010 |
| Pretax return on assets | 1.2752% | 2,225 |
| Return on Equity (ROE) | 9.8640% | 2,166 |
| Retained earnings to average equity (ytd only) | 8.6883% | 1,209 |
| Net charge-offs to loans | 0.0249% | 5,480 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 85.0000% | 409 |
| Efficiency ratio | 70.5747% | 4,014 |
| Assets per employee ($millions) | 4.2929% | 3,178 |
| Cash dividends to net income (ytd only)* | 11.9190% | 3,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9221% | 6,597 |
| Loan loss allowance to noncurrent loans | 96.6366% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.2390% | 4,420 |
| Noncurrent loans to loans | 0.9542% | 5,078 |
| Net loans and leases to total assets | 61.4263% | 4,005 |
| Net loans and leases to deposits | 72.0355% | 4,111 |
| Net loans and leases to core deposits | 78.1612% | 4,035 |
| Total domestic deposits to total assets | 85.2723% | 3,739 |
| Equity capital to assets | 8.6339% | 6,022 |
| Core capital (leverage) ratio | 9.0304% | 4,671 |
| Tier 1 risk-based capital ratio | 17.1336% | 2,466 |
| Total risk-based capital ratio | 18.2537% | 2,493 |
| Memoranda: | ||
| Average total assets | $199,974,670 | 3,102 |
| Average earning assets | $184,533,330 | 3,064 |
| Average equity | $17,011,330 | 3,567 |
| Average total loans | $120,662,330 | 3,214 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 4,478 |
| Cost of funding earning assets | 0.8431% | 5,313 |
| Net interest margin | 3.8659% | 3,317 |
| Noninterest income to average assets | 0.7292% | 2,394 |
| Noninterest expense to average assets | 2.9960% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8450% | 2,799 |
| Return on assets (ROA) | 0.8450% | 2,856 |
| Pretax return on assets | 1.2817% | 2,092 |
| Return on Equity (ROE) | 10.0111% | 2,090 |
| Retained earnings to average equity (ytd only) | 10.0111% | 1,112 |
| Net charge-offs to loans | 0.0273% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 78.8750% | 395 |
| Efficiency ratio | 70.0380% | 4,264 |
| Assets per employee ($millions) | 4.1824% | 3,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 6,010 |
| Loan loss allowance to noncurrent loans | 98.7500% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.2622% | 4,425 |
| Noncurrent loans to loans | 1.1235% | 4,824 |
| Net loans and leases to total assets | 52.6122% | 5,506 |
| Net loans and leases to deposits | 58.6327% | 5,867 |
| Net loans and leases to core deposits | 63.0043% | 5,826 |
| Total domestic deposits to total assets | 89.7317% | 1,338 |
| Equity capital to assets | 8.4486% | 5,981 |
| Core capital (leverage) ratio | 8.9243% | 4,730 |
| Tier 1 risk-based capital ratio | 18.2248% | 2,045 |
| Total risk-based capital ratio | 19.4453% | 2,020 |
| Memoranda: | ||
| Average total assets | $196,932,000 | 3,154 |
| Average earning assets | $180,760,500 | 3,135 |
| Average equity | $16,621,500 | 3,622 |
| Average total loans | $117,117,000 | 3,308 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2757% | 3,235 |
| Cost of funding earning assets | 0.9518% | 5,925 |
| Net interest margin | 4.3239% | 1,737 |
| Noninterest income to average assets | 0.8096% | 2,234 |
| Noninterest expense to average assets | 2.8351% | 4,454 |
| Loan and lease loss provision to assets | 0.1769% | 5,459 |
| Net operating income to assets | 1.1571% | 1,519 |
| Return on assets (ROA) | 1.5727% | 718 |
| Pretax return on assets | 2.3873% | 217 |
| Return on Equity (ROE) | 19.8682% | 259 |
| Retained earnings to average equity (ytd only) | 18.5913% | 68 |
| Net charge-offs to loans | 0.0627% | 6,162 |
| Credit loss provision to net charge-offs | 437.5000% | 531 |
| Earnings coverage of net charge-offs (x) | 47.8500% | 481 |
| Efficiency ratio | 59.4406% | 6,128 |
| Assets per employee ($millions) | 4.0231% | 3,737 |
| Cash dividends to net income (ytd only)* | 6.4267% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 6,621 |
| Loan loss allowance to noncurrent loans | 96.6775% | 2,971 |
| Noncurrent assets plus other real estate owned to assets | 1.3298% | 4,366 |
| Noncurrent loans to loans | 0.9684% | 5,114 |
| Net loans and leases to total assets | 65.3695% | 3,587 |
| Net loans and leases to deposits | 73.6416% | 4,253 |
| Net loans and leases to core deposits | 79.5041% | 4,277 |
| Total domestic deposits to total assets | 88.7670% | 1,788 |
| Equity capital to assets | 8.4315% | 5,949 |
| Core capital (leverage) ratio | 8.4645% | 5,425 |
| Tier 1 risk-based capital ratio | 15.7468% | 2,869 |
| Total risk-based capital ratio | 16.8340% | 2,923 |
| Memoranda: | ||
| Average total assets | $197,877,800 | 3,128 |
| Average earning assets | $181,226,800 | 3,109 |
| Average equity | $15,663,200 | 3,828 |
| Average total loans | $127,603,800 | 3,166 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0732% | 4,461 |
| Cost of funding earning assets | 0.9456% | 6,195 |
| Net interest margin | 4.1276% | 2,499 |
| Noninterest income to average assets | 0.7334% | 2,618 |
| Noninterest expense to average assets | 2.6409% | 5,148 |
| Loan and lease loss provision to assets | 0.1842% | 5,201 |
| Net operating income to assets | 1.1140% | 1,841 |
| Return on assets (ROA) | 1.6590% | 726 |
| Pretax return on assets | 2.5143% | 222 |
| Return on Equity (ROE) | 21.2953% | 237 |
| Retained earnings to average equity (ytd only) | 20.4356% | 75 |
| Net charge-offs to loans | 0.0951% | 5,584 |
| Credit loss provision to net charge-offs | 302.1978% | 1,057 |
| Earnings coverage of net charge-offs (x) | 30.7254% | 869 |
| Efficiency ratio | 58.5102% | 6,186 |
| Assets per employee ($millions) | 4.5462% | 2,846 |
| Cash dividends to net income (ytd only)* | 4.0371% | 3,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7562% | 7,097 |
| Loan loss allowance to noncurrent loans | 105.8317% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 1.3143% | 4,519 |
| Noncurrent loans to loans | 0.7145% | 5,783 |
| Net loans and leases to total assets | 66.5799% | 3,549 |
| Net loans and leases to deposits | 85.7370% | 2,402 |
| Net loans and leases to core deposits | 92.2611% | 2,755 |
| Total domestic deposits to total assets | 77.6559% | 6,326 |
| Equity capital to assets | 7.6272% | 7,045 |
| Core capital (leverage) ratio | 8.7828% | 5,041 |
| Tier 1 risk-based capital ratio | 13.9674% | 3,864 |
| Total risk-based capital ratio | 14.8909% | 4,042 |
| Memoranda: | ||
| Average total assets | $199,069,750 | 3,151 |
| Average earning assets | $182,311,750 | 3,146 |
| Average equity | $15,508,500 | 3,903 |
| Average total loans | $127,647,750 | 3,211 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 4,097 |
| Cost of funding earning assets | 0.9917% | 6,181 |
| Net interest margin | 4.1779% | 2,234 |
| Noninterest income to average assets | 0.7100% | 2,649 |
| Noninterest expense to average assets | 2.7153% | 4,847 |
| Loan and lease loss provision to assets | 0.2076% | 4,797 |
| Net operating income to assets | 1.0602% | 1,980 |
| Return on assets (ROA) | 1.3410% | 1,285 |
| Pretax return on assets | 2.0344% | 566 |
| Return on Equity (ROE) | 17.0787% | 558 |
| Retained earnings to average equity (ytd only) | 17.0787% | 152 |
| Net charge-offs to loans | 0.1269% | 4,928 |
| Credit loss provision to net charge-offs | 259.7403% | 1,464 |
| Earnings coverage of net charge-offs (x) | 22.7273% | 1,124 |
| Efficiency ratio | 59.9175% | 6,062 |
| Assets per employee ($millions) | 4.1293% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8245% | 6,976 |
| Loan loss allowance to noncurrent loans | 132.2377% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 1.3819% | 4,411 |
| Noncurrent loans to loans | 0.6235% | 6,000 |
| Net loans and leases to total assets | 63.4757% | 4,359 |
| Net loans and leases to deposits | 75.6207% | 4,399 |
| Net loans and leases to core deposits | 79.4436% | 4,749 |
| Total domestic deposits to total assets | 83.9396% | 4,132 |
| Equity capital to assets | 8.0294% | 6,726 |
| Core capital (leverage) ratio | 8.1460% | 6,039 |
| Tier 1 risk-based capital ratio | 14.0119% | 3,725 |
| Total risk-based capital ratio | 14.9479% | 3,902 |
| Memoranda: | ||
| Average total assets | $192,686,670 | 3,266 |
| Average earning assets | $176,261,670 | 3,238 |
| Average equity | $15,130,000 | 3,967 |
| Average total loans | $121,398,000 | 3,381 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1415% | 4,338 |
| Cost of funding earning assets | 1.0241% | 6,257 |
| Net interest margin | 4.1173% | 2,364 |
| Noninterest income to average assets | 0.7098% | 2,528 |
| Noninterest expense to average assets | 2.7779% | 4,572 |
| Loan and lease loss provision to assets | 0.2633% | 3,928 |
| Net operating income to assets | 0.9363% | 2,407 |
| Return on assets (ROA) | 1.2658% | 1,445 |
| Pretax return on assets | 1.9186% | 712 |
| Return on Equity (ROE) | 16.3121% | 681 |
| Retained earnings to average equity (ytd only) | 16.3121% | 321 |
| Net charge-offs to loans | 0.0337% | 5,106 |
| Credit loss provision to net charge-offs | 1,250.0000% | 385 |
| Earnings coverage of net charge-offs (x) | 79.9000% | 387 |
| Efficiency ratio | 62.2757% | 5,779 |
| Assets per employee ($millions) | 3.9849% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 6,719 |
| Loan loss allowance to noncurrent loans | 257.5682% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 1.0184% | 5,121 |
| Noncurrent loans to loans | 0.3638% | 6,572 |
| Net loans and leases to total assets | 57.3760% | 5,542 |
| Net loans and leases to deposits | 63.7003% | 6,083 |
| Net loans and leases to core deposits | 66.6853% | 6,236 |
| Total domestic deposits to total assets | 90.0719% | 952 |
| Equity capital to assets | 7.8066% | 6,842 |
| Core capital (leverage) ratio | 7.8091% | 6,491 |
| Tier 1 risk-based capital ratio | 14.1219% | 3,585 |
| Total risk-based capital ratio | 15.1013% | 3,724 |
| Memoranda: | ||
| Average total assets | $189,926,000 | 3,366 |
| Average earning assets | $173,024,000 | 3,352 |
| Average equity | $14,737,500 | 4,071 |
| Average total loans | $118,667,000 | 3,479 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7996% | 2,651 |
| Cost of funding earning assets | 1.3624% | 6,082 |
| Net interest margin | 4.4372% | 1,326 |
| Noninterest income to average assets | 0.6480% | 3,310 |
| Noninterest expense to average assets | 2.9169% | 4,476 |
| Loan and lease loss provision to assets | 0.2635% | 5,298 |
| Net operating income to assets | 0.9820% | 1,903 |
| Return on assets (ROA) | 1.4122% | 884 |
| Pretax return on assets | 2.1495% | 315 |
| Return on Equity (ROE) | 19.4219% | 276 |
| Retained earnings to average equity (ytd only) | 17.9427% | 52 |
| Net charge-offs to loans | 0.3179% | 4,655 |
| Credit loss provision to net charge-offs | 132.0755% | 3,800 |
| Earnings coverage of net charge-offs (x) | 8.8275% | 1,887 |
| Efficiency ratio | 62.3520% | 6,087 |
| Assets per employee ($millions) | 3.9287% | 3,958 |
| Cash dividends to net income (ytd only)* | 7.6161% | 3,926 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7294% | 7,310 |
| Loan loss allowance to noncurrent loans | 274.7024% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.6788% | 5,760 |
| Noncurrent loans to loans | 0.2655% | 6,762 |
| Net loans and leases to total assets | 66.6184% | 4,012 |
| Net loans and leases to deposits | 77.9184% | 4,391 |
| Net loans and leases to core deposits | 96.4736% | 4,404 |
| Total domestic deposits to total assets | 85.4977% | 3,293 |
| Equity capital to assets | 7.7120% | 6,846 |
| Core capital (leverage) ratio | 7.8637% | 6,367 |
| Tier 1 risk-based capital ratio | 12.6869% | 4,377 |
| Total risk-based capital ratio | 13.5019% | 4,683 |
| Memoranda: | ||
| Average total assets | $185,952,200 | 3,339 |
| Average earning assets | $168,891,200 | 3,372 |
| Average equity | $13,520,800 | 4,380 |
| Average total loans | $116,690,600 | 3,554 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8602% | 2,629 |
| Cost of funding earning assets | 1.4458% | 6,054 |
| Net interest margin | 4.4144% | 1,408 |
| Noninterest income to average assets | 0.6332% | 3,473 |
| Noninterest expense to average assets | 2.7998% | 4,903 |
| Loan and lease loss provision to assets | 0.2446% | 5,004 |
| Net operating income to assets | 1.0348% | 1,951 |
| Return on assets (ROA) | 1.5334% | 808 |
| Pretax return on assets | 2.3630% | 252 |
| Return on Equity (ROE) | 21.4188% | 228 |
| Retained earnings to average equity (ytd only) | 20.4137% | 58 |
| Net charge-offs to loans | 0.1984% | 4,827 |
| Credit loss provision to net charge-offs | 200.0000% | 2,230 |
| Earnings coverage of net charge-offs (x) | 15.0471% | 1,555 |
| Efficiency ratio | 60.3349% | 6,363 |
| Assets per employee ($millions) | 3.6159% | 4,645 |
| Cash dividends to net income (ytd only)* | 4.6926% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8682% | 6,893 |
| Loan loss allowance to noncurrent loans | 176.7695% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 0.8524% | 5,393 |
| Noncurrent loans to loans | 0.4911% | 6,333 |
| Net loans and leases to total assets | 61.5159% | 5,323 |
| Net loans and leases to deposits | 68.5062% | 6,086 |
| Net loans and leases to core deposits | 83.7736% | 6,058 |
| Total domestic deposits to total assets | 89.7961% | 846 |
| Equity capital to assets | 7.8316% | 7,008 |
| Core capital (leverage) ratio | 7.6005% | 6,858 |
| Tier 1 risk-based capital ratio | 13.2620% | 4,013 |
| Total risk-based capital ratio | 14.1865% | 4,166 |
| Memoranda: | ||
| Average total assets | $185,296,000 | 3,382 |
| Average earning assets | $168,203,000 | 3,402 |
| Average equity | $13,265,250 | 4,471 |
| Average total loans | $114,225,750 | 3,634 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8590% | 2,765 |
| Cost of funding earning assets | 1.5316% | 6,012 |
| Net interest margin | 4.3275% | 1,583 |
| Noninterest income to average assets | 0.6842% | 3,090 |
| Noninterest expense to average assets | 2.6917% | 5,414 |
| Loan and lease loss provision to assets | 0.2034% | 5,021 |
| Net operating income to assets | 1.1194% | 1,706 |
| Return on assets (ROA) | 1.6274% | 712 |
| Pretax return on assets | 2.4765% | 225 |
| Return on Equity (ROE) | 23.4435% | 179 |
| Retained earnings to average equity (ytd only) | 23.4435% | 52 |
| Net charge-offs to loans | 0.2385% | 4,002 |
| Credit loss provision to net charge-offs | 138.6861% | 3,369 |
| Earnings coverage of net charge-offs (x) | 13.0219% | 1,768 |
| Efficiency ratio | 58.4923% | 6,772 |
| Assets per employee ($millions) | 3.8922% | 3,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7092% | 7,400 |
| Loan loss allowance to noncurrent loans | 171.4000% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6947% | 5,671 |
| Noncurrent loans to loans | 0.4138% | 6,473 |
| Net loans and leases to total assets | 61.6519% | 5,413 |
| Net loans and leases to deposits | 73.4716% | 5,537 |
| Net loans and leases to core deposits | 88.2668% | 5,699 |
| Total domestic deposits to total assets | 83.9126% | 3,818 |
| Equity capital to assets | 6.8536% | 7,685 |
| Core capital (leverage) ratio | 6.9685% | 7,563 |
| Tier 1 risk-based capital ratio | 12.4746% | 4,538 |
| Total risk-based capital ratio | 13.2688% | 4,827 |
| Memoranda: | ||
| Average total assets | $186,796,670 | 3,382 |
| Average earning assets | $169,106,330 | 3,405 |
| Average equity | $12,967,330 | 4,552 |
| Average total loans | $114,904,000 | 3,650 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8814% | 2,889 |
| Cost of funding earning assets | 1.6383% | 5,870 |
| Net interest margin | 4.2432% | 1,766 |
| Noninterest income to average assets | 0.6911% | 2,943 |
| Noninterest expense to average assets | 2.6705% | 5,148 |
| Loan and lease loss provision to assets | 0.1422% | 5,126 |
| Net operating income to assets | 1.1471% | 1,814 |
| Return on assets (ROA) | 2.1849% | 275 |
| Pretax return on assets | 3.3200% | 92 |
| Return on Equity (ROE) | 31.2627% | 91 |
| Retained earnings to average equity (ytd only) | 31.2627% | 49 |
| Net charge-offs to loans | 0.1537% | 3,727 |
| Credit loss provision to net charge-offs | 151.1628% | 2,759 |
| Earnings coverage of net charge-offs (x) | 20.0930% | 1,392 |
| Efficiency ratio | 58.5612% | 6,614 |
| Assets per employee ($millions) | 3.8858% | 3,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7098% | 7,414 |
| Loan loss allowance to noncurrent loans | 193.4426% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.6115% | 5,659 |
| Noncurrent loans to loans | 0.3669% | 6,508 |
| Net loans and leases to total assets | 59.4729% | 5,740 |
| Net loans and leases to deposits | 68.1435% | 6,175 |
| Net loans and leases to core deposits | 81.5894% | 6,259 |
| Total domestic deposits to total assets | 87.2759% | 2,081 |
| Equity capital to assets | 6.7785% | 7,773 |
| Core capital (leverage) ratio | 6.8541% | 7,725 |
| Tier 1 risk-based capital ratio | 11.6676% | 5,239 |
| Total risk-based capital ratio | 12.4124% | 5,666 |
| Memoranda: | ||
| Average total assets | $182,889,000 | 3,464 |
| Average earning assets | $166,762,500 | 3,469 |
| Average equity | $12,782,000 | 4,632 |
| Average total loans | $111,936,500 | 3,742 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9190% | 1,347 |
| Cost of funding earning assets | 2.2935% | 5,180 |
| Net interest margin | 4.6255% | 1,107 |
| Noninterest income to average assets | 0.7196% | 2,993 |
| Noninterest expense to average assets | 3.1342% | 3,565 |
| Loan and lease loss provision to assets | 0.0779% | 6,423 |
| Net operating income to assets | 1.1179% | 2,079 |
| Return on assets (ROA) | 1.2521% | 1,570 |
| Pretax return on assets | 1.9366% | 711 |
| Return on Equity (ROE) | 16.9111% | 649 |
| Retained earnings to average equity (ytd only) | 15.1568% | 89 |
| Net charge-offs to loans | 0.0863% | 5,513 |
| Credit loss provision to net charge-offs | 142.8571% | 3,703 |
| Earnings coverage of net charge-offs (x) | 33.1429% | 1,089 |
| Efficiency ratio | 63.4166% | 5,689 |
| Assets per employee ($millions) | 3.3625% | 5,058 |
| Cash dividends to net income (ytd only)* | 10.3734% | 4,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7479% | 7,295 |
| Loan loss allowance to noncurrent loans | 86.1736% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 5,547 |
| Noncurrent loans to loans | 0.8679% | 4,886 |
| Net loans and leases to total assets | 62.2162% | 5,590 |
| Net loans and leases to deposits | 69.1543% | 6,356 |
| Net loans and leases to core deposits | 84.6849% | 6,233 |
| Total domestic deposits to total assets | 89.9671% | 655 |
| Equity capital to assets | 7.2274% | 7,603 |
| Core capital (leverage) ratio | 7.0770% | 7,636 |
| Tier 1 risk-based capital ratio | 11.6618% | 5,088 |
| Total risk-based capital ratio | 12.4470% | 5,424 |
| Memoranda: | ||
| Average total assets | $153,979,800 | 3,821 |
| Average earning assets | $140,570,000 | 3,835 |
| Average equity | $11,400,800 | 5,004 |
| Average total loans | $97,356,000 | 4,021 |