Home > Inter-State Federal Savings and Loan Association of Kansas City > Performance and Condition Ratios
Inter-State Federal Savings and Loan Association of Kansas City, Performance and Condition Ratios
| 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 | 1.3994% | 6,086 |
| Cost of funding earning assets | 0.3765% | 3,337 |
| Net interest margin | 1.0229% | 6,092 |
| Noninterest income to average assets | 0.0174% | 6,041 |
| Noninterest expense to average assets | 1.8797% | 5,552 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.5579% | 5,975 |
| Return on assets (ROA) | 0.3490% | 5,236 |
| Pretax return on assets | 0.5552% | 4,943 |
| Return on Equity (ROE) | 1.3352% | 5,639 |
| Retained earnings to average equity (ytd only) | 1.3352% | 4,725 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.6591% | 24 |
| Assets per employee ($millions) | 8.9365% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6625% | 5,663 |
| Loan loss allowance to noncurrent loans | 65.3465% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 4,641 |
| Noncurrent loans to loans | 1.0139% | 2,354 |
| Net loans and leases to total assets | 19.2581% | 6,004 |
| Net loans and leases to deposits | 32.8449% | 5,889 |
| Net loans and leases to core deposits | 33.5398% | 5,901 |
| Total domestic deposits to total assets | 58.6336% | 6,044 |
| Equity capital to assets | 26.4519% | 77 |
| Core capital (leverage) ratio | 25.7335% | 83 |
| Tier 1 risk-based capital ratio | 111.6129% | 40 |
| Total risk-based capital ratio | 112.1537% | 40 |
| Memoranda: | ||
| Average total assets | $207,475,500 | 2,916 |
| Average earning assets | $202,942,500 | 2,792 |
| Average equity | $54,225,000 | 1,425 |
| Average total loans | $40,478,000 | 4,995 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1671% | 6,078 |
| Cost of funding earning assets | 0.3780% | 3,391 |
| Net interest margin | 1.7891% | 6,080 |
| Noninterest income to average assets | 0.0018% | 6,102 |
| Noninterest expense to average assets | 1.4328% | 6,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1940% | 5,588 |
| Return on assets (ROA) | 0.5259% | 4,678 |
| Pretax return on assets | 0.8349% | 4,092 |
| Return on Equity (ROE) | 2.1407% | 5,537 |
| Retained earnings to average equity (ytd only) | 2.1407% | 4,500 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9218% | 1,422 |
| Assets per employee ($millions) | 8.7255% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6422% | 5,735 |
| Loan loss allowance to noncurrent loans | 54.5455% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 4,673 |
| Noncurrent loans to loans | 1.1774% | 2,005 |
| Net loans and leases to total assets | 19.5046% | 6,057 |
| Net loans and leases to deposits | 33.3157% | 5,947 |
| Net loans and leases to core deposits | 34.0075% | 5,964 |
| Total domestic deposits to total assets | 58.5449% | 6,103 |
| Equity capital to assets | 25.8252% | 80 |
| Core capital (leverage) ratio | 25.4471% | 87 |
| Tier 1 risk-based capital ratio | 114.6940% | 38 |
| Total risk-based capital ratio | 115.2517% | 38 |
| Memoranda: | ||
| Average total assets | $220,753,600 | 2,737 |
| Average earning assets | $215,587,400 | 2,632 |
| Average equity | $54,234,400 | 1,378 |
| Average total loans | $42,092,200 | 4,929 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2704% | 6,152 |
| Cost of funding earning assets | 0.3749% | 3,490 |
| Net interest margin | 1.8954% | 6,153 |
| Noninterest income to average assets | -0.0024% | 6,204 |
| Noninterest expense to average assets | 1.3841% | 6,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.2667% | 5,542 |
| Return on assets (ROA) | 0.7037% | 4,000 |
| Pretax return on assets | 1.1473% | 3,030 |
| Return on Equity (ROE) | 2.8989% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.8989% | 4,385 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8710% | 2,428 |
| Assets per employee ($millions) | 9.0283% | 369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6369% | 5,838 |
| Loan loss allowance to noncurrent loans | 59.4595% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 0.2049% | 4,933 |
| Noncurrent loans to loans | 1.0711% | 2,341 |
| Net loans and leases to total assets | 19.0098% | 6,148 |
| Net loans and leases to deposits | 33.4207% | 6,026 |
| Net loans and leases to core deposits | 34.1098% | 6,043 |
| Total domestic deposits to total assets | 56.8803% | 6,198 |
| Equity capital to assets | 25.1235% | 94 |
| Core capital (leverage) ratio | 22.7643% | 121 |
| Tier 1 risk-based capital ratio | 110.2375% | 42 |
| Total risk-based capital ratio | 110.7733% | 42 |
| Memoranda: | ||
| Average total assets | $223,589,000 | 2,742 |
| Average earning assets | $218,342,250 | 2,620 |
| Average equity | $54,272,750 | 1,387 |
| Average total loans | $42,338,000 | 4,979 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3134% | 6,217 |
| Cost of funding earning assets | 0.3709% | 3,589 |
| Net interest margin | 1.9425% | 6,219 |
| Noninterest income to average assets | -0.0106% | 6,276 |
| Noninterest expense to average assets | 1.3210% | 6,214 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3533% | 5,287 |
| Return on assets (ROA) | 0.5171% | 4,801 |
| Pretax return on assets | 0.8207% | 4,247 |
| Return on Equity (ROE) | 2.1543% | 5,644 |
| Retained earnings to average equity (ytd only) | 2.1543% | 4,629 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0469% | 3,316 |
| Assets per employee ($millions) | 9.1714% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6240% | 5,939 |
| Loan loss allowance to noncurrent loans | 46.8085% | 5,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2562% | 4,842 |
| Noncurrent loans to loans | 1.3330% | 2,014 |
| Net loans and leases to total assets | 19.1019% | 6,219 |
| Net loans and leases to deposits | 33.3712% | 6,095 |
| Net loans and leases to core deposits | 34.0431% | 6,108 |
| Total domestic deposits to total assets | 57.2408% | 6,268 |
| Equity capital to assets | 24.4596% | 98 |
| Core capital (leverage) ratio | 23.8407% | 107 |
| Tier 1 risk-based capital ratio | 102.2577% | 44 |
| Total risk-based capital ratio | 102.7602% | 44 |
| Memoranda: | ||
| Average total assets | $225,892,670 | 2,738 |
| Average earning assets | $220,538,670 | 2,619 |
| Average equity | $54,218,000 | 1,392 |
| Average total loans | $42,632,670 | 5,002 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3316% | 6,275 |
| Cost of funding earning assets | 0.3600% | 3,754 |
| Net interest margin | 1.9717% | 6,280 |
| Noninterest income to average assets | -0.0350% | 6,356 |
| Noninterest expense to average assets | 1.3043% | 6,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3666% | 5,197 |
| Return on assets (ROA) | 0.5210% | 4,696 |
| Pretax return on assets | 0.8270% | 4,143 |
| Return on Equity (ROE) | 2.1909% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.1909% | 4,590 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0102% | 3,658 |
| Assets per employee ($millions) | 9.5053% | 303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6240% | 6,027 |
| Loan loss allowance to noncurrent loans | 52.5896% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 0.2201% | 5,064 |
| Noncurrent loans to loans | 1.1865% | 2,399 |
| Net loans and leases to total assets | 18.4306% | 6,286 |
| Net loans and leases to deposits | 32.7836% | 6,139 |
| Net loans and leases to core deposits | 33.4311% | 6,152 |
| Total domestic deposits to total assets | 56.2189% | 6,340 |
| Equity capital to assets | 23.9385% | 112 |
| Core capital (leverage) ratio | 23.0406% | 116 |
| Tier 1 risk-based capital ratio | 99.8244% | 54 |
| Total risk-based capital ratio | 100.3176% | 56 |
| Memoranda: | ||
| Average total assets | $228,782,000 | 2,730 |
| Average earning assets | $223,364,000 | 2,613 |
| Average equity | $54,407,500 | 1,400 |
| Average total loans | $42,794,000 | 5,031 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2954% | 6,381 |
| Cost of funding earning assets | 0.3843% | 3,855 |
| Net interest margin | 1.9111% | 6,389 |
| Noninterest income to average assets | 0.0103% | 6,373 |
| Noninterest expense to average assets | 1.4950% | 6,298 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2346% | 5,693 |
| Return on assets (ROA) | 0.4992% | 4,905 |
| Pretax return on assets | 0.7925% | 4,288 |
| Return on Equity (ROE) | 2.2413% | 5,707 |
| Retained earnings to average equity (ytd only) | 2.2413% | 4,649 |
| Net charge-offs to loans | 0.0227% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 88.4000% | 581 |
| Efficiency ratio | 79.7712% | 1,968 |
| Assets per employee ($millions) | 9.5599% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6100% | 6,128 |
| Loan loss allowance to noncurrent loans | 41.7722% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 4,833 |
| Noncurrent loans to loans | 1.4603% | 2,011 |
| Net loans and leases to total assets | 18.7480% | 6,378 |
| Net loans and leases to deposits | 33.1873% | 6,234 |
| Net loans and leases to core deposits | 33.7682% | 6,244 |
| Total domestic deposits to total assets | 56.4915% | 6,429 |
| Equity capital to assets | 23.6251% | 119 |
| Core capital (leverage) ratio | 23.1583% | 117 |
| Tier 1 risk-based capital ratio | 98.7235% | 45 |
| Total risk-based capital ratio | 99.2141% | 44 |
| Memoranda: | ||
| Average total assets | $233,181,600 | 2,670 |
| Average earning assets | $227,410,200 | 2,545 |
| Average equity | $51,933,600 | 1,403 |
| Average total loans | $43,970,400 | 5,035 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2596% | 6,471 |
| Cost of funding earning assets | 0.3884% | 3,922 |
| Net interest margin | 1.8712% | 6,472 |
| Noninterest income to average assets | 0.0142% | 6,452 |
| Noninterest expense to average assets | 1.5792% | 6,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1584% | 5,931 |
| Return on assets (ROA) | 0.5029% | 4,929 |
| Pretax return on assets | 0.7979% | 4,370 |
| Return on Equity (ROE) | 2.2920% | 5,771 |
| Retained earnings to average equity (ytd only) | 2.2920% | 4,913 |
| Net charge-offs to loans | 0.0302% | 3,884 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 45.6099% | 1,034 |
| Efficiency ratio | 85.8780% | 1,193 |
| Assets per employee ($millions) | 10.0107% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6055% | 6,214 |
| Loan loss allowance to noncurrent loans | 43.9268% | 5,326 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 4,998 |
| Noncurrent loans to loans | 1.3784% | 2,346 |
| Net loans and leases to total assets | 18.8216% | 6,466 |
| Net loans and leases to deposits | 32.4478% | 6,334 |
| Net loans and leases to core deposits | 32.9980% | 6,339 |
| Total domestic deposits to total assets | 58.0058% | 6,501 |
| Equity capital to assets | 22.6071% | 142 |
| Core capital (leverage) ratio | 22.9546% | 124 |
| Tier 1 risk-based capital ratio | 97.5867% | 47 |
| Total risk-based capital ratio | 98.0742% | 47 |
| Memoranda: | ||
| Average total assets | $234,117,500 | 2,679 |
| Average earning assets | $228,297,250 | 2,555 |
| Average equity | $51,365,750 | 1,422 |
| Average total loans | $44,143,250 | 5,085 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1849% | 6,551 |
| Cost of funding earning assets | 0.3912% | 3,985 |
| Net interest margin | 1.7937% | 6,556 |
| Noninterest income to average assets | 0.0136% | 6,528 |
| Noninterest expense to average assets | 1.5819% | 6,374 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1064% | 6,038 |
| Return on assets (ROA) | 0.6202% | 4,347 |
| Pretax return on assets | 0.9838% | 3,541 |
| Return on Equity (ROE) | 2.8551% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.8551% | 4,389 |
| Net charge-offs to loans | 0.0451% | 3,334 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 21.3000% | 1,551 |
| Efficiency ratio | 89.7349% | 938 |
| Assets per employee ($millions) | 9.3588% | 291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6010% | 6,310 |
| Loan loss allowance to noncurrent loans | 41.6404% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 5,066 |
| Noncurrent loans to loans | 1.4433% | 2,390 |
| Net loans and leases to total assets | 18.6614% | 6,529 |
| Net loans and leases to deposits | 32.2260% | 6,381 |
| Net loans and leases to core deposits | 32.7638% | 6,396 |
| Total domestic deposits to total assets | 57.9081% | 6,572 |
| Equity capital to assets | 22.2371% | 140 |
| Core capital (leverage) ratio | 22.5239% | 124 |
| Tier 1 risk-based capital ratio | 95.7502% | 46 |
| Total risk-based capital ratio | 96.2299% | 46 |
| Memoranda: | ||
| Average total assets | $235,408,000 | 2,679 |
| Average earning assets | $229,575,330 | 2,550 |
| Average equity | $51,137,000 | 1,422 |
| Average total loans | $44,324,330 | 5,112 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0291% | 6,644 |
| Cost of funding earning assets | 0.3930% | 4,053 |
| Net interest margin | 1.6362% | 6,644 |
| Noninterest income to average assets | 0.0068% | 6,590 |
| Noninterest expense to average assets | 1.5924% | 6,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.0022% | 6,219 |
| Return on assets (ROA) | 0.4726% | 4,904 |
| Pretax return on assets | 0.7504% | 4,309 |
| Return on Equity (ROE) | 2.2016% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.2016% | 4,725 |
| Net charge-offs to loans | 0.0898% | 2,264 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.5000% | 3,331 |
| Efficiency ratio | 99.4709% | 482 |
| Assets per employee ($millions) | 9.3990% | 295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5993% | 6,411 |
| Loan loss allowance to noncurrent loans | 40.8037% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 0.3005% | 5,258 |
| Noncurrent loans to loans | 1.4687% | 2,587 |
| Net loans and leases to total assets | 18.6360% | 6,599 |
| Net loans and leases to deposits | 31.7976% | 6,441 |
| Net loans and leases to core deposits | 32.4418% | 6,453 |
| Total domestic deposits to total assets | 58.6084% | 6,643 |
| Equity capital to assets | 21.6321% | 157 |
| Core capital (leverage) ratio | 22.2356% | 134 |
| Tier 1 risk-based capital ratio | 107.0393% | 47 |
| Total risk-based capital ratio | 107.5801% | 47 |
| Memoranda: | ||
| Average total assets | $236,127,500 | 2,677 |
| Average earning assets | $230,050,500 | 2,556 |
| Average equity | $50,691,500 | 1,429 |
| Average total loans | $44,523,500 | 5,143 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7991% | 6,728 |
| Cost of funding earning assets | 0.3874% | 4,775 |
| Net interest margin | 1.4117% | 6,729 |
| Noninterest income to average assets | -0.0033% | 6,666 |
| Noninterest expense to average assets | 1.3456% | 6,660 |
| Loan and lease loss provision to assets | 0.0291% | 4,531 |
| Net operating income to assets | -0.0028% | 6,217 |
| Return on assets (ROA) | 0.1497% | 6,008 |
| Pretax return on assets | 0.2071% | 5,922 |
| Return on Equity (ROE) | 0.6955% | 6,133 |
| Retained earnings to average equity (ytd only) | 0.6955% | 5,520 |
| Net charge-offs to loans | -0.0086% | 6,000 |
| Credit loss provision to net charge-offs | -1,750.0000% | 6,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0006% | 543 |
| Assets per employee ($millions) | 9.4912% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6090% | 6,461 |
| Loan loss allowance to noncurrent loans | 52.8958% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 5,543 |
| Noncurrent loans to loans | 1.1513% | 3,236 |
| Net loans and leases to total assets | 18.8465% | 6,682 |
| Net loans and leases to deposits | 32.0861% | 6,532 |
| Net loans and leases to core deposits | 32.7274% | 6,544 |
| Total domestic deposits to total assets | 58.7374% | 6,718 |
| Equity capital to assets | 21.3052% | 160 |
| Core capital (leverage) ratio | 21.9020% | 138 |
| Tier 1 risk-based capital ratio | 116.1994% | 43 |
| Total risk-based capital ratio | 116.8120% | 43 |
| Memoranda: | ||
| Average total assets | $240,407,400 | 2,617 |
| Average earning assets | $234,392,000 | 2,477 |
| Average equity | $51,760,000 | 1,374 |
| Average total loans | $46,507,400 | 5,091 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7684% | 6,813 |
| Cost of funding earning assets | 0.3844% | 4,957 |
| Net interest margin | 1.3840% | 6,818 |
| Noninterest income to average assets | 0.0133% | 6,711 |
| Noninterest expense to average assets | 1.3306% | 6,729 |
| Loan and lease loss provision to assets | 0.0597% | 3,854 |
| Net operating income to assets | -0.0191% | 6,318 |
| Return on assets (ROA) | 0.0757% | 6,235 |
| Pretax return on assets | 0.1205% | 6,191 |
| Return on Equity (ROE) | 0.3509% | 6,296 |
| Retained earnings to average equity (ytd only) | 0.3509% | 5,827 |
| Net charge-offs to loans | 0.0569% | 4,089 |
| Credit loss provision to net charge-offs | 540.0000% | 520 |
| Earnings coverage of net charge-offs (x) | 2.8995% | 3,871 |
| Efficiency ratio | 97.6471% | 539 |
| Assets per employee ($millions) | 9.6713% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6239% | 6,530 |
| Loan loss allowance to noncurrent loans | 59.5041% | 4,842 |
| Noncurrent assets plus other real estate owned to assets | 0.2002% | 5,835 |
| Noncurrent loans to loans | 1.0484% | 3,704 |
| Net loans and leases to total assets | 18.9741% | 6,763 |
| Net loans and leases to deposits | 32.2084% | 6,615 |
| Net loans and leases to core deposits | 32.8371% | 6,633 |
| Total domestic deposits to total assets | 58.9105% | 6,792 |
| Equity capital to assets | 21.0781% | 172 |
| Core capital (leverage) ratio | 21.4019% | 149 |
| Tier 1 risk-based capital ratio | 127.0870% | 40 |
| Total risk-based capital ratio | 127.7943% | 40 |
| Memoranda: | ||
| Average total assets | $241,189,250 | 2,633 |
| Average earning assets | $235,154,250 | 2,481 |
| Average equity | $52,061,750 | 1,373 |
| Average total loans | $46,886,000 | 5,119 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7066% | 6,868 |
| Cost of funding earning assets | 0.3777% | 5,163 |
| Net interest margin | 1.3288% | 6,871 |
| Noninterest income to average assets | 0.0124% | 6,763 |
| Noninterest expense to average assets | 1.3386% | 6,766 |
| Loan and lease loss provision to assets | 0.0315% | 4,297 |
| Net operating income to assets | -0.0406% | 6,345 |
| Return on assets (ROA) | 0.0880% | 6,237 |
| Pretax return on assets | 0.1394% | 6,174 |
| Return on Equity (ROE) | 0.4044% | 6,325 |
| Retained earnings to average equity (ytd only) | 0.4044% | 5,736 |
| Net charge-offs to loans | 0.0849% | 3,517 |
| Credit loss provision to net charge-offs | 190.0000% | 1,252 |
| Earnings coverage of net charge-offs (x) | -1.8000% | 4,759 |
| Efficiency ratio | 102.2828% | 419 |
| Assets per employee ($millions) | 9.8110% | 233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4705% | 6,726 |
| Loan loss allowance to noncurrent loans | 44.8560% | 5,423 |
| Noncurrent assets plus other real estate owned to assets | 0.1981% | 5,899 |
| Noncurrent loans to loans | 1.0490% | 3,833 |
| Net loans and leases to total assets | 18.8005% | 6,813 |
| Net loans and leases to deposits | 32.0138% | 6,653 |
| Net loans and leases to core deposits | 32.6304% | 6,671 |
| Total domestic deposits to total assets | 58.7263% | 6,845 |
| Equity capital to assets | 21.1367% | 159 |
| Core capital (leverage) ratio | 21.0845% | 142 |
| Tier 1 risk-based capital ratio | 136.8339% | 34 |
| Total risk-based capital ratio | 137.4107% | 34 |
| Memoranda: | ||
| Average total assets | $240,991,670 | 2,640 |
| Average earning assets | $235,091,000 | 2,497 |
| Average equity | $52,428,000 | 1,370 |
| Average total loans | $47,126,670 | 5,130 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6561% | 6,951 |
| Cost of funding earning assets | 0.3968% | 5,133 |
| Net interest margin | 1.2593% | 6,962 |
| Noninterest income to average assets | 0.0117% | 6,824 |
| Noninterest expense to average assets | 1.3465% | 6,851 |
| Loan and lease loss provision to assets | 0.0402% | 3,925 |
| Net operating income to assets | -0.0957% | 6,436 |
| Return on assets (ROA) | 0.1122% | 6,217 |
| Pretax return on assets | 0.1775% | 6,118 |
| Return on Equity (ROE) | 0.5083% | 6,329 |
| Retained earnings to average equity (ytd only) | 0.5083% | 5,622 |
| Net charge-offs to loans | 0.1683% | 2,394 |
| Credit loss provision to net charge-offs | 120.0000% | 1,595 |
| Earnings coverage of net charge-offs (x) | -3.2000% | 4,052 |
| Efficiency ratio | 108.6486% | 350 |
| Assets per employee ($millions) | 9.4340% | 273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4350% | 6,835 |
| Loan loss allowance to noncurrent loans | 36.7568% | 5,738 |
| Noncurrent assets plus other real estate owned to assets | 0.2353% | 5,864 |
| Noncurrent loans to loans | 1.1835% | 3,793 |
| Net loans and leases to total assets | 19.7968% | 6,859 |
| Net loans and leases to deposits | 31.7961% | 6,695 |
| Net loans and leases to core deposits | 32.3957% | 6,714 |
| Total domestic deposits to total assets | 62.2618% | 6,894 |
| Equity capital to assets | 22.8246% | 132 |
| Core capital (leverage) ratio | 21.9104% | 136 |
| Tier 1 risk-based capital ratio | 153.0642% | 33 |
| Total risk-based capital ratio | 153.6684% | 33 |
| Memoranda: | ||
| Average total assets | $238,850,000 | 2,686 |
| Average earning assets | $232,836,000 | 2,544 |
| Average equity | $52,720,500 | 1,375 |
| Average total loans | $47,524,500 | 5,151 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9875% | 6,990 |
| Cost of funding earning assets | 0.4975% | 5,236 |
| Net interest margin | 1.4900% | 6,995 |
| Noninterest income to average assets | -0.0134% | 6,855 |
| Noninterest expense to average assets | 1.4370% | 6,898 |
| Loan and lease loss provision to assets | 0.0687% | 4,890 |
| Net operating income to assets | -0.0430% | 6,228 |
| Return on assets (ROA) | 0.0329% | 6,258 |
| Pretax return on assets | 0.0524% | 6,218 |
| Return on Equity (ROE) | 0.1572% | 6,281 |
| Retained earnings to average equity (ytd only) | 0.1572% | 5,761 |
| Net charge-offs to loans | 0.0583% | 5,114 |
| Credit loss provision to net charge-offs | 582.7586% | 421 |
| Earnings coverage of net charge-offs (x) | 0.2069% | 5,372 |
| Efficiency ratio | 99.8307% | 566 |
| Assets per employee ($millions) | 9.6740% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4153% | 6,887 |
| Loan loss allowance to noncurrent loans | 30.2572% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 5,864 |
| Noncurrent loans to loans | 1.3727% | 3,540 |
| Net loans and leases to total assets | 19.8281% | 6,926 |
| Net loans and leases to deposits | 32.2931% | 6,781 |
| Net loans and leases to core deposits | 32.8941% | 6,791 |
| Total domestic deposits to total assets | 61.4003% | 6,964 |
| Equity capital to assets | 21.3393% | 176 |
| Core capital (leverage) ratio | 21.3393% | 151 |
| Tier 1 risk-based capital ratio | 158.7530% | 37 |
| Total risk-based capital ratio | 159.3682% | 37 |
| Memoranda: | ||
| Average total assets | $246,140,000 | 2,565 |
| Average earning assets | $239,998,200 | 2,411 |
| Average equity | $51,538,200 | 1,379 |
| Average total loans | $49,765,800 | 5,117 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9899% | 7,103 |
| Cost of funding earning assets | 0.5221% | 5,293 |
| Net interest margin | 1.4678% | 7,109 |
| Noninterest income to average assets | -0.0097% | 6,960 |
| Noninterest expense to average assets | 1.4686% | 6,955 |
| Loan and lease loss provision to assets | 0.0755% | 4,708 |
| Net operating income to assets | -0.1046% | 6,407 |
| Return on assets (ROA) | -0.0038% | 6,411 |
| Pretax return on assets | 0.0351% | 6,359 |
| Return on Equity (ROE) | -0.0181% | 6,409 |
| Retained earnings to average equity (ytd only) | -0.0181% | 6,078 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.3005% | 435 |
| Assets per employee ($millions) | 9.9648% | 239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4071% | 7,010 |
| Loan loss allowance to noncurrent loans | 35.6506% | 5,861 |
| Noncurrent assets plus other real estate owned to assets | 0.2621% | 6,045 |
| Noncurrent loans to loans | 1.1419% | 4,149 |
| Net loans and leases to total assets | 19.6399% | 7,032 |
| Net loans and leases to deposits | 31.9302% | 6,916 |
| Net loans and leases to core deposits | 32.5049% | 6,925 |
| Total domestic deposits to total assets | 61.5087% | 7,047 |
| Equity capital to assets | 20.6811% | 217 |
| Core capital (leverage) ratio | 20.6811% | 183 |
| Tier 1 risk-based capital ratio | 156.6321% | 40 |
| Total risk-based capital ratio | 157.2401% | 40 |
| Memoranda: | ||
| Average total assets | $247,212,750 | 2,584 |
| Average earning assets | $241,076,750 | 2,434 |
| Average equity | $51,520,500 | 1,385 |
| Average total loans | $50,168,750 | 5,160 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0348% | 7,173 |
| Cost of funding earning assets | 0.5455% | 5,330 |
| Net interest margin | 1.4893% | 7,179 |
| Noninterest income to average assets | 0.0073% | 6,972 |
| Noninterest expense to average assets | 1.4924% | 7,010 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0203% | 6,349 |
| Return on assets (ROA) | -0.0203% | 6,474 |
| Pretax return on assets | -0.0324% | 6,473 |
| Return on Equity (ROE) | -0.0970% | 6,469 |
| Retained earnings to average equity (ytd only) | -0.0970% | 6,060 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2222% | 490 |
| Assets per employee ($millions) | 9.7168% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1205% | 7,165 |
| Loan loss allowance to noncurrent loans | 9.1603% | 6,704 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 5,874 |
| Noncurrent loans to loans | 1.3152% | 3,951 |
| Net loans and leases to total assets | 20.4770% | 7,075 |
| Net loans and leases to deposits | 32.0200% | 6,961 |
| Net loans and leases to core deposits | 32.5869% | 6,981 |
| Total domestic deposits to total assets | 63.9508% | 7,083 |
| Equity capital to assets | 21.2015% | 193 |
| Core capital (leverage) ratio | 21.2015% | 154 |
| Tier 1 risk-based capital ratio | 181.1190% | 31 |
| Total risk-based capital ratio | 181.3300% | 31 |
| Memoranda: | ||
| Average total assets | $246,576,670 | 2,587 |
| Average earning assets | $240,520,670 | 2,431 |
| Average equity | $51,520,330 | 1,381 |
| Average total loans | $50,516,000 | 5,175 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0887% | 7,233 |
| Cost of funding earning assets | 0.5709% | 5,355 |
| Net interest margin | 1.5179% | 7,235 |
| Noninterest income to average assets | 0.0064% | 7,079 |
| Noninterest expense to average assets | 1.4815% | 7,071 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0032% | 6,407 |
| Return on assets (ROA) | 0.0032% | 6,520 |
| Pretax return on assets | 0.0064% | 6,516 |
| Return on Equity (ROE) | 0.0155% | 6,525 |
| Retained earnings to average equity (ytd only) | 0.0155% | 5,971 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5671% | 566 |
| Assets per employee ($millions) | 9.1131% | 314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1190% | 7,221 |
| Loan loss allowance to noncurrent loans | 11.4286% | 6,739 |
| Noncurrent assets plus other real estate owned to assets | 0.3052% | 6,130 |
| Noncurrent loans to loans | 1.0409% | 4,607 |
| Net loans and leases to total assets | 20.4745% | 7,136 |
| Net loans and leases to deposits | 32.2083% | 7,007 |
| Net loans and leases to core deposits | 32.7734% | 7,018 |
| Total domestic deposits to total assets | 63.5688% | 7,149 |
| Equity capital to assets | 20.9426% | 187 |
| Core capital (leverage) ratio | 20.9426% | 164 |
| Tier 1 risk-based capital ratio | 178.3909% | 29 |
| Total risk-based capital ratio | 178.5986% | 29 |
| Memoranda: | ||
| Average total assets | $248,404,500 | 2,576 |
| Average earning assets | $242,444,500 | 2,429 |
| Average equity | $51,529,000 | 1,374 |
| Average total loans | $50,872,500 | 5,192 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3992% | 7,268 |
| Cost of funding earning assets | 0.6696% | 5,713 |
| Net interest margin | 1.7296% | 7,270 |
| Noninterest income to average assets | -0.0104% | 7,015 |
| Noninterest expense to average assets | 1.5787% | 7,131 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0612% | 5,940 |
| Return on assets (ROA) | 0.0612% | 6,054 |
| Pretax return on assets | 0.0971% | 5,972 |
| Return on Equity (ROE) | 0.2857% | 6,101 |
| Retained earnings to average equity (ytd only) | 0.2857% | 5,700 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6117% | 946 |
| Assets per employee ($millions) | 8.9556% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1169% | 7,278 |
| Loan loss allowance to noncurrent loans | 10.4167% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 0.3198% | 6,177 |
| Noncurrent loans to loans | 1.1227% | 4,477 |
| Net loans and leases to total assets | 20.4370% | 7,200 |
| Net loans and leases to deposits | 32.4022% | 7,085 |
| Net loans and leases to core deposits | 33.0164% | 7,095 |
| Total domestic deposits to total assets | 63.0729% | 7,189 |
| Equity capital to assets | 20.5491% | 206 |
| Core capital (leverage) ratio | 20.5491% | 179 |
| Tier 1 risk-based capital ratio | 174.5647% | 29 |
| Total risk-based capital ratio | 174.7679% | 29 |
| Memoranda: | ||
| Average total assets | $240,073,400 | 2,635 |
| Average earning assets | $234,036,600 | 2,457 |
| Average equity | $51,457,600 | 1,329 |
| Average total loans | $51,864,400 | 5,196 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4629% | 7,347 |
| Cost of funding earning assets | 0.6979% | 5,780 |
| Net interest margin | 1.7651% | 7,339 |
| Noninterest income to average assets | -0.0022% | 7,121 |
| Noninterest expense to average assets | 1.6191% | 7,162 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0623% | 6,042 |
| Return on assets (ROA) | 0.0623% | 6,151 |
| Pretax return on assets | 0.0988% | 6,096 |
| Return on Equity (ROE) | 0.2877% | 6,203 |
| Retained earnings to average equity (ytd only) | 0.2877% | 5,868 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6581% | 938 |
| Assets per employee ($millions) | 9.0245% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1094% | 7,353 |
| Loan loss allowance to noncurrent loans | 9.0909% | 6,905 |
| Noncurrent assets plus other real estate owned to assets | 0.2696% | 6,390 |
| Noncurrent loans to loans | 1.2039% | 4,531 |
| Net loans and leases to total assets | 20.9755% | 7,273 |
| Net loans and leases to deposits | 32.3850% | 7,167 |
| Net loans and leases to core deposits | 32.9985% | 7,184 |
| Total domestic deposits to total assets | 64.7691% | 7,236 |
| Equity capital to assets | 21.1326% | 202 |
| Core capital (leverage) ratio | 21.1326% | 171 |
| Tier 1 risk-based capital ratio | 177.0275% | 34 |
| Total risk-based capital ratio | 177.2201% | 34 |
| Memoranda: | ||
| Average total assets | $237,402,750 | 2,673 |
| Average earning assets | $231,369,750 | 2,494 |
| Average equity | $51,440,000 | 1,328 |
| Average total loans | $52,003,750 | 5,228 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5030% | 7,417 |
| Cost of funding earning assets | 0.7069% | 5,915 |
| Net interest margin | 1.7961% | 7,408 |
| Noninterest income to average assets | 0.0119% | 7,162 |
| Noninterest expense to average assets | 1.6386% | 7,231 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0773% | 6,062 |
| Return on assets (ROA) | 0.0773% | 6,148 |
| Pretax return on assets | 0.1224% | 6,065 |
| Return on Equity (ROE) | 0.3539% | 6,229 |
| Retained earnings to average equity (ytd only) | 0.3539% | 5,703 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4710% | 1,065 |
| Assets per employee ($millions) | 9.1042% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1078% | 7,422 |
| Loan loss allowance to noncurrent loans | 16.4706% | 6,826 |
| Noncurrent assets plus other real estate owned to assets | 0.1871% | 6,633 |
| Noncurrent loans to loans | 0.6546% | 5,611 |
| Net loans and leases to total assets | 21.1074% | 7,356 |
| Net loans and leases to deposits | 32.7929% | 7,256 |
| Net loans and leases to core deposits | 33.2287% | 7,271 |
| Total domestic deposits to total assets | 64.3657% | 7,305 |
| Equity capital to assets | 20.9394% | 214 |
| Core capital (leverage) ratio | 20.9394% | 187 |
| Tier 1 risk-based capital ratio | 175.4269% | 35 |
| Total risk-based capital ratio | 175.6177% | 35 |
| Memoranda: | ||
| Average total assets | $235,316,670 | 2,700 |
| Average earning assets | $229,165,670 | 2,536 |
| Average equity | $51,422,670 | 1,307 |
| Average total loans | $52,283,330 | 5,272 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4432% | 7,485 |
| Cost of funding earning assets | 0.7287% | 5,985 |
| Net interest margin | 1.7145% | 7,472 |
| Noninterest income to average assets | 0.0122% | 7,266 |
| Noninterest expense to average assets | 1.5874% | 7,313 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0591% | 6,214 |
| Return on assets (ROA) | 0.0591% | 6,256 |
| Pretax return on assets | 0.0939% | 6,181 |
| Return on Equity (ROE) | 0.2646% | 6,318 |
| Retained earnings to average equity (ytd only) | 0.2646% | 5,701 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7952% | 1,046 |
| Assets per employee ($millions) | 9.1209% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1073% | 7,474 |
| Loan loss allowance to noncurrent loans | 136.5854% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.0938% | 6,931 |
| Noncurrent loans to loans | 0.0786% | 6,842 |
| Net loans and leases to total assets | 21.1640% | 7,413 |
| Net loans and leases to deposits | 32.8367% | 7,296 |
| Net loans and leases to core deposits | 33.2699% | 7,321 |
| Total domestic deposits to total assets | 64.4522% | 7,363 |
| Equity capital to assets | 20.8781% | 212 |
| Core capital (leverage) ratio | 20.8781% | 189 |
| Tier 1 risk-based capital ratio | 175.4060% | 35 |
| Total risk-based capital ratio | 175.5970% | 36 |
| Memoranda: | ||
| Average total assets | $230,068,000 | 2,772 |
| Average earning assets | $223,968,000 | 2,617 |
| Average equity | $51,398,000 | 1,298 |
| Average total loans | $52,454,500 | 5,314 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8442% | 7,512 |
| Cost of funding earning assets | 0.9987% | 5,701 |
| Net interest margin | 1.8455% | 7,495 |
| Noninterest income to average assets | 0.0164% | 7,223 |
| Noninterest expense to average assets | 1.6496% | 7,374 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1007% | 5,586 |
| Return on assets (ROA) | 0.1007% | 5,727 |
| Pretax return on assets | 0.1598% | 5,572 |
| Return on Equity (ROE) | 0.4190% | 5,846 |
| Retained earnings to average equity (ytd only) | 0.4190% | 5,368 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0311% | 1,323 |
| Assets per employee ($millions) | 7.9212% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1062% | 7,555 |
| Loan loss allowance to noncurrent loans | 52.3364% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 0.0500% | 7,110 |
| Noncurrent loans to loans | 0.2029% | 6,658 |
| Net loans and leases to total assets | 24.6305% | 7,460 |
| Net loans and leases to deposits | 32.6258% | 7,419 |
| Net loans and leases to core deposits | 33.0493% | 7,436 |
| Total domestic deposits to total assets | 75.4939% | 6,698 |
| Equity capital to assets | 24.0241% | 135 |
| Core capital (leverage) ratio | 24.0241% | 135 |
| Tier 1 risk-based capital ratio | 174.2201% | 38 |
| Total risk-based capital ratio | 174.4100% | 38 |
| Memoranda: | ||
| Average total assets | $213,449,600 | 2,943 |
| Average earning assets | $207,366,200 | 2,781 |
| Average equity | $51,316,200 | 1,301 |
| Average total loans | $53,166,000 | 5,348 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9361% | 7,631 |
| Cost of funding earning assets | 1.0559% | 5,671 |
| Net interest margin | 1.8802% | 7,607 |
| Noninterest income to average assets | 0.0175% | 7,395 |
| Noninterest expense to average assets | 1.6068% | 7,498 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1494% | 5,642 |
| Return on assets (ROA) | 0.1494% | 5,800 |
| Pretax return on assets | 0.2369% | 5,647 |
| Return on Equity (ROE) | 0.6212% | 5,985 |
| Retained earnings to average equity (ytd only) | 0.6212% | 5,550 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0339% | 1,627 |
| Assets per employee ($millions) | 7.6909% | 569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1057% | 7,667 |
| Loan loss allowance to noncurrent loans | 40.8759% | 5,564 |
| Noncurrent assets plus other real estate owned to assets | 0.0636% | 7,185 |
| Noncurrent loans to loans | 0.2587% | 6,665 |
| Net loans and leases to total assets | 24.5702% | 7,559 |
| Net loans and leases to deposits | 32.5232% | 7,536 |
| Net loans and leases to core deposits | 32.8889% | 7,547 |
| Total domestic deposits to total assets | 75.5468% | 6,731 |
| Equity capital to assets | 23.8709% | 147 |
| Core capital (leverage) ratio | 23.8709% | 140 |
| Tier 1 risk-based capital ratio | 166.4778% | 43 |
| Total risk-based capital ratio | 166.6591% | 43 |
| Memoranda: | ||
| Average total assets | $213,343,750 | 2,999 |
| Average earning assets | $207,209,500 | 2,821 |
| Average equity | $51,300,000 | 1,307 |
| Average total loans | $53,274,000 | 5,420 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0520% | 7,708 |
| Cost of funding earning assets | 1.1267% | 5,543 |
| Net interest margin | 1.9253% | 7,661 |
| Noninterest income to average assets | 0.0188% | 7,467 |
| Noninterest expense to average assets | 1.6034% | 7,563 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1806% | 5,630 |
| Return on assets (ROA) | 0.1806% | 5,752 |
| Pretax return on assets | 0.2859% | 5,539 |
| Return on Equity (ROE) | 0.7490% | 6,018 |
| Retained earnings to average equity (ytd only) | 0.7490% | 5,466 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7730% | 1,944 |
| Assets per employee ($millions) | 7.5790% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1058% | 7,736 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 24.9124% | 7,626 |
| Net loans and leases to deposits | 33.0986% | 7,595 |
| Net loans and leases to core deposits | 33.4760% | 7,615 |
| Total domestic deposits to total assets | 75.2672% | 6,816 |
| Equity capital to assets | 24.2013% | 147 |
| Core capital (leverage) ratio | 24.2013% | 135 |
| Tier 1 risk-based capital ratio | 173.5068% | 40 |
| Total risk-based capital ratio | 173.6959% | 40 |
| Memoranda: | ||
| Average total assets | $212,676,330 | 3,024 |
| Average earning assets | $206,619,000 | 2,851 |
| Average equity | $51,265,000 | 1,301 |
| Average total loans | $53,376,330 | 5,452 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1197% | 7,788 |
| Cost of funding earning assets | 1.1624% | 5,589 |
| Net interest margin | 1.9573% | 7,734 |
| Noninterest income to average assets | 0.0207% | 7,593 |
| Noninterest expense to average assets | 1.6101% | 7,651 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1973% | 5,698 |
| Return on assets (ROA) | 0.1973% | 5,817 |
| Pretax return on assets | 0.3119% | 5,565 |
| Return on Equity (ROE) | 0.8200% | 6,169 |
| Retained earnings to average equity (ytd only) | 0.8200% | 5,489 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6979% | 2,177 |
| Assets per employee ($millions) | 7.6229% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1047% | 7,842 |
| Loan loss allowance to noncurrent loans | 32.1839% | 6,268 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 7,286 |
| Noncurrent loans to loans | 0.3255% | 6,648 |
| Net loans and leases to total assets | 25.0218% | 7,717 |
| Net loans and leases to deposits | 33.1910% | 7,679 |
| Net loans and leases to core deposits | 33.5650% | 7,691 |
| Total domestic deposits to total assets | 75.3872% | 6,849 |
| Equity capital to assets | 24.0210% | 163 |
| Core capital (leverage) ratio | 24.0210% | 148 |
| Tier 1 risk-based capital ratio | 168.3721% | 37 |
| Total risk-based capital ratio | 168.5560% | 37 |
| Memoranda: | ||
| Average total assets | $212,908,500 | 3,070 |
| Average earning assets | $206,817,500 | 2,913 |
| Average equity | $51,218,500 | 1,307 |
| Average total loans | $53,603,000 | 5,510 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7927% | 7,762 |
| Cost of funding earning assets | 1.5736% | 5,163 |
| Net interest margin | 2.2191% | 7,639 |
| Noninterest income to average assets | 0.0203% | 7,624 |
| Noninterest expense to average assets | 1.6299% | 7,752 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3446% | 4,349 |
| Return on assets (ROA) | 0.3446% | 4,443 |
| Pretax return on assets | 0.5472% | 4,057 |
| Return on Equity (ROE) | 1.4028% | 5,118 |
| Retained earnings to average equity (ytd only) | 1.4028% | 4,082 |
| Net charge-offs to loans | 0.0483% | 6,615 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 41.9259% | 591 |
| Efficiency ratio | 73.7345% | 3,952 |
| Assets per employee ($millions) | 7.5848% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1042% | 7,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 25.2793% | 7,791 |
| Net loans and leases to deposits | 33.5456% | 7,769 |
| Net loans and leases to core deposits | 36.6862% | 7,803 |
| Total domestic deposits to total assets | 75.3582% | 6,799 |
| Equity capital to assets | 24.0923% | 182 |
| Core capital (leverage) ratio | 24.0923% | 171 |
| Tier 1 risk-based capital ratio | 165.7252% | 41 |
| Total risk-based capital ratio | 165.9066% | 41 |
| Memoranda: | ||
| Average total assets | $206,879,400 | 3,096 |
| Average earning assets | $201,068,200 | 2,953 |
| Average equity | $50,827,400 | 1,314 |
| Average total loans | $55,849,200 | 5,427 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 7,831 |
| Cost of funding earning assets | 1.6425% | 5,197 |
| Net interest margin | 2.2752% | 7,671 |
| Noninterest income to average assets | 0.0201% | 7,770 |
| Noninterest expense to average assets | 1.6551% | 7,796 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3633% | 4,536 |
| Return on assets (ROA) | 0.3633% | 4,641 |
| Pretax return on assets | 0.5768% | 4,274 |
| Return on Equity (ROE) | 1.4714% | 5,344 |
| Retained earnings to average equity (ytd only) | 1.4714% | 4,490 |
| Net charge-offs to loans | 0.0639% | 6,057 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 32.9250% | 873 |
| Efficiency ratio | 73.0233% | 4,050 |
| Assets per employee ($millions) | 7.5611% | 615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1022% | 8,005 |
| Loan loss allowance to noncurrent loans | 15.7746% | 7,293 |
| Noncurrent assets plus other real estate owned to assets | 0.2277% | 6,950 |
| Noncurrent loans to loans | 0.6477% | 6,001 |
| Net loans and leases to total assets | 25.8620% | 7,875 |
| Net loans and leases to deposits | 34.3645% | 7,856 |
| Net loans and leases to core deposits | 37.5108% | 7,883 |
| Total domestic deposits to total assets | 75.2579% | 6,730 |
| Equity capital to assets | 24.0955% | 195 |
| Core capital (leverage) ratio | 24.0955% | 186 |
| Tier 1 risk-based capital ratio | 163.3095% | 44 |
| Total risk-based capital ratio | 163.4888% | 44 |
| Memoranda: | ||
| Average total assets | $205,505,500 | 3,138 |
| Average earning assets | $199,776,250 | 2,988 |
| Average equity | $50,742,750 | 1,338 |
| Average total loans | $56,375,750 | 5,446 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0646% | 7,884 |
| Cost of funding earning assets | 1.7199% | 5,177 |
| Net interest margin | 2.3447% | 7,636 |
| Noninterest income to average assets | 0.0236% | 7,857 |
| Noninterest expense to average assets | 1.7037% | 7,826 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3775% | 4,591 |
| Return on assets (ROA) | 0.3775% | 4,694 |
| Pretax return on assets | 0.5997% | 4,323 |
| Return on Equity (ROE) | 1.5162% | 5,450 |
| Retained earnings to average equity (ytd only) | 1.5162% | 4,481 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9407% | 4,212 |
| Assets per employee ($millions) | 7.4440% | 630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1476% | 8,085 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 7,314 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 26.9358% | 7,947 |
| Net loans and leases to deposits | 35.9113% | 7,902 |
| Net loans and leases to core deposits | 38.8743% | 7,943 |
| Total domestic deposits to total assets | 75.0064% | 6,761 |
| Equity capital to assets | 24.3901% | 218 |
| Core capital (leverage) ratio | 24.3901% | 222 |
| Tier 1 risk-based capital ratio | 160.4602% | 44 |
| Total risk-based capital ratio | 160.7222% | 44 |
| Memoranda: | ||
| Average total assets | $203,436,670 | 3,185 |
| Average earning assets | $197,805,000 | 3,028 |
| Average equity | $50,652,670 | 1,353 |
| Average total loans | $56,898,000 | 5,474 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1811% | 7,915 |
| Cost of funding earning assets | 1.8203% | 5,025 |
| Net interest margin | 2.3608% | 7,661 |
| Noninterest income to average assets | 0.0219% | 7,966 |
| Noninterest expense to average assets | 1.6383% | 7,877 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4280% | 4,754 |
| Return on assets (ROA) | 0.4280% | 4,927 |
| Pretax return on assets | 0.6788% | 4,500 |
| Return on Equity (ROE) | 1.7009% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.7009% | 4,897 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6735% | 4,648 |
| Assets per employee ($millions) | 7.3196% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1474% | 8,139 |
| Loan loss allowance to noncurrent loans | 73.6842% | 3,934 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 7,284 |
| Noncurrent loans to loans | 0.2001% | 6,959 |
| Net loans and leases to total assets | 27.7622% | 7,967 |
| Net loans and leases to deposits | 37.1860% | 7,917 |
| Net loans and leases to core deposits | 40.2342% | 7,976 |
| Total domestic deposits to total assets | 74.6575% | 6,777 |
| Equity capital to assets | 24.7224% | 226 |
| Core capital (leverage) ratio | 24.7224% | 235 |
| Tier 1 risk-based capital ratio | 156.9641% | 51 |
| Total risk-based capital ratio | 157.2243% | 51 |
| Memoranda: | ||
| Average total assets | $200,938,500 | 3,230 |
| Average earning assets | $195,356,500 | 3,078 |
| Average equity | $50,560,500 | 1,356 |
| Average total loans | $57,234,000 | 5,487 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 7,928 |
| Cost of funding earning assets | 2.2720% | 5,278 |
| Net interest margin | 2.5754% | 7,667 |
| Noninterest income to average assets | 0.0224% | 8,027 |
| Noninterest expense to average assets | 1.6257% | 7,939 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.5696% | 4,440 |
| Return on assets (ROA) | 0.5696% | 4,303 |
| Pretax return on assets | 0.8990% | 3,725 |
| Return on Equity (ROE) | 2.2386% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.2386% | 3,821 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9871% | 5,562 |
| Assets per employee ($millions) | 7.0332% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1444% | 8,195 |
| Loan loss allowance to noncurrent loans | 25.7764% | 6,951 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 6,914 |
| Noncurrent loans to loans | 0.5601% | 5,685 |
| Net loans and leases to total assets | 29.1491% | 8,013 |
| Net loans and leases to deposits | 39.4799% | 7,949 |
| Net loans and leases to core deposits | 42.6015% | 8,015 |
| Total domestic deposits to total assets | 73.8327% | 6,681 |
| Equity capital to assets | 25.6199% | 255 |
| Core capital (leverage) ratio | 25.5757% | 254 |
| Tier 1 risk-based capital ratio | 159.8323% | 50 |
| Total risk-based capital ratio | 160.0959% | 51 |
| Memoranda: | ||
| Average total assets | $196,097,000 | 3,189 |
| Average earning assets | $190,533,800 | 3,032 |
| Average equity | $49,897,800 | 1,358 |
| Average total loans | $59,461,600 | 5,293 |