Home > Keystone Bank > Performance and Condition Ratios
Keystone Bank, Performance and Condition Ratios
| 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 | 4.4845% | 1,641 |
| Cost of funding earning assets | 0.6047% | 1,379 |
| Net interest margin | 3.8798% | 2,095 |
| Noninterest income to average assets | 0.8393% | 1,657 |
| Noninterest expense to average assets | 2.7551% | 3,358 |
| Loan and lease loss provision to assets | 0.1187% | 1,919 |
| Net operating income to assets | 1.0620% | 2,162 |
| Return on assets (ROA) | 1.0777% | 2,186 |
| Pretax return on assets | 1.5455% | 1,555 |
| Return on Equity (ROE) | 9.7124% | 2,211 |
| Retained earnings to average equity (ytd only) | 8.2735% | 1,132 |
| Net charge-offs to loans | 0.0512% | 2,877 |
| Credit loss provision to net charge-offs | 332.8358% | 886 |
| Earnings coverage of net charge-offs (x) | 46.0453% | 1,118 |
| Efficiency ratio | 62.6604% | 4,465 |
| Assets per employee ($millions) | 6.3795% | 1,133 |
| Cash dividends to net income (ytd only)* | 14.8148% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 2,574 |
| Loan loss allowance to noncurrent loans | 181.1470% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 0.9307% | 2,534 |
| Noncurrent loans to loans | 0.7755% | 3,029 |
| Net loans and leases to total assets | 69.5039% | 2,461 |
| Net loans and leases to deposits | 81.2959% | 2,726 |
| Net loans and leases to core deposits | 86.2323% | 2,827 |
| Total domestic deposits to total assets | 85.4949% | 2,783 |
| Equity capital to assets | 11.2658% | 2,736 |
| Core capital (leverage) ratio | 11.0931% | 2,394 |
| Tier 1 risk-based capital ratio | 14.1617% | 3,757 |
| Total risk-based capital ratio | 15.4116% | 3,688 |
| Memoranda: | ||
| Average total assets | $250,533,500 | 2,526 |
| Average earning assets | $229,733,000 | 2,531 |
| Average equity | $27,798,750 | 2,484 |
| Average total loans | $174,387,000 | 2,317 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4775% | 1,611 |
| Cost of funding earning assets | 0.6063% | 1,369 |
| Net interest margin | 3.8711% | 2,074 |
| Noninterest income to average assets | 0.8177% | 1,709 |
| Noninterest expense to average assets | 2.9126% | 2,854 |
| Loan and lease loss provision to assets | 0.0980% | 2,186 |
| Net operating income to assets | 0.9515% | 2,625 |
| Return on assets (ROA) | 0.9752% | 2,621 |
| Pretax return on assets | 1.3896% | 2,019 |
| Return on Equity (ROE) | 8.8348% | 2,637 |
| Retained earnings to average equity (ytd only) | 6.6515% | 1,875 |
| Net charge-offs to loans | 0.0649% | 2,452 |
| Credit loss provision to net charge-offs | 217.8571% | 1,143 |
| Earnings coverage of net charge-offs (x) | 32.3214% | 1,299 |
| Efficiency ratio | 66.7035% | 3,882 |
| Assets per employee ($millions) | 5.8080% | 1,491 |
| Cash dividends to net income (ytd only)* | 24.7117% | 3,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3593% | 2,938 |
| Loan loss allowance to noncurrent loans | 300.7407% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.7419% | 3,158 |
| Noncurrent loans to loans | 0.4520% | 4,114 |
| Net loans and leases to total assets | 69.1717% | 2,458 |
| Net loans and leases to deposits | 80.4413% | 2,728 |
| Net loans and leases to core deposits | 83.3148% | 3,046 |
| Total domestic deposits to total assets | 85.9903% | 2,696 |
| Equity capital to assets | 10.8745% | 3,018 |
| Core capital (leverage) ratio | 10.9367% | 2,494 |
| Tier 1 risk-based capital ratio | 13.8699% | 3,992 |
| Total risk-based capital ratio | 15.0859% | 3,946 |
| Memoranda: | ||
| Average total assets | $248,984,670 | 2,558 |
| Average earning assets | $228,253,330 | 2,556 |
| Average equity | $27,482,330 | 2,521 |
| Average total loans | $172,553,670 | 2,339 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4807% | 1,519 |
| Cost of funding earning assets | 0.6078% | 1,379 |
| Net interest margin | 3.8730% | 1,986 |
| Noninterest income to average assets | 0.7668% | 1,838 |
| Noninterest expense to average assets | 2.5771% | 4,011 |
| Loan and lease loss provision to assets | 0.1579% | 1,288 |
| Net operating income to assets | 1.0965% | 1,885 |
| Return on assets (ROA) | 1.1249% | 1,880 |
| Pretax return on assets | 1.6101% | 1,247 |
| Return on Equity (ROE) | 10.1140% | 1,953 |
| Retained earnings to average equity (ytd only) | 10.1140% | 898 |
| Net charge-offs to loans | 0.0189% | 2,779 |
| Credit loss provision to net charge-offs | 1,212.5000% | 289 |
| Earnings coverage of net charge-offs (x) | 132.6250% | 396 |
| Efficiency ratio | 59.8714% | 5,105 |
| Assets per employee ($millions) | 5.7347% | 1,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4198% | 2,832 |
| Loan loss allowance to noncurrent loans | 785.9425% | 670 |
| Noncurrent assets plus other real estate owned to assets | 0.5814% | 3,740 |
| Noncurrent loans to loans | 0.1806% | 5,132 |
| Net loans and leases to total assets | 67.6917% | 2,499 |
| Net loans and leases to deposits | 78.8894% | 2,697 |
| Net loans and leases to core deposits | 83.4698% | 2,825 |
| Total domestic deposits to total assets | 85.8058% | 3,037 |
| Equity capital to assets | 10.9952% | 2,974 |
| Core capital (leverage) ratio | 11.0746% | 2,342 |
| Tier 1 risk-based capital ratio | 13.9883% | 4,029 |
| Total risk-based capital ratio | 15.2382% | 3,946 |
| Memoranda: | ||
| Average total assets | $245,701,500 | 2,593 |
| Average earning assets | $224,427,000 | 2,601 |
| Average equity | $27,328,500 | 2,551 |
| Average total loans | $169,228,000 | 2,375 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5786% | 1,616 |
| Cost of funding earning assets | 0.6483% | 1,416 |
| Net interest margin | 3.9303% | 2,119 |
| Noninterest income to average assets | 0.6274% | 2,698 |
| Noninterest expense to average assets | 2.5953% | 4,238 |
| Loan and lease loss provision to assets | 0.1776% | 1,451 |
| Net operating income to assets | 1.0390% | 2,217 |
| Return on assets (ROA) | 1.0859% | 2,083 |
| Pretax return on assets | 1.5190% | 1,477 |
| Return on Equity (ROE) | 10.1753% | 2,037 |
| Retained earnings to average equity (ytd only) | 8.4990% | 832 |
| Net charge-offs to loans | 0.2486% | 1,724 |
| Credit loss provision to net charge-offs | 106.2500% | 2,254 |
| Earnings coverage of net charge-offs (x) | 9.7525% | 2,704 |
| Efficiency ratio | 61.4144% | 5,006 |
| Assets per employee ($millions) | 5.5599% | 1,717 |
| Cash dividends to net income (ytd only)* | 16.4742% | 3,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4347% | 2,778 |
| Loan loss allowance to noncurrent loans | 322.0109% | 1,533 |
| Noncurrent assets plus other real estate owned to assets | 0.8403% | 3,109 |
| Noncurrent loans to loans | 0.4455% | 4,307 |
| Net loans and leases to total assets | 68.1046% | 2,540 |
| Net loans and leases to deposits | 79.5883% | 2,776 |
| Net loans and leases to core deposits | 84.4350% | 2,851 |
| Total domestic deposits to total assets | 85.5711% | 3,046 |
| Equity capital to assets | 11.2571% | 2,644 |
| Core capital (leverage) ratio | 11.1774% | 2,236 |
| Tier 1 risk-based capital ratio | 14.8657% | 3,558 |
| Total risk-based capital ratio | 16.1165% | 3,496 |
| Memoranda: | ||
| Average total assets | $239,242,600 | 2,621 |
| Average earning assets | $219,042,800 | 2,633 |
| Average equity | $25,532,400 | 2,609 |
| Average total loans | $160,917,400 | 2,412 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5601% | 1,672 |
| Cost of funding earning assets | 0.6601% | 1,390 |
| Net interest margin | 3.9000% | 2,248 |
| Noninterest income to average assets | 0.6246% | 2,718 |
| Noninterest expense to average assets | 2.5537% | 4,346 |
| Loan and lease loss provision to assets | 0.0836% | 2,682 |
| Net operating income to assets | 1.0946% | 2,056 |
| Return on assets (ROA) | 1.1328% | 1,987 |
| Pretax return on assets | 1.6137% | 1,286 |
| Return on Equity (ROE) | 10.7618% | 1,886 |
| Retained earnings to average equity (ytd only) | 8.4962% | 1,149 |
| Net charge-offs to loans | 0.1535% | 2,260 |
| Credit loss provision to net charge-offs | 81.5217% | 2,565 |
| Earnings coverage of net charge-offs (x) | 16.0216% | 2,011 |
| Efficiency ratio | 60.8551% | 5,066 |
| Assets per employee ($millions) | 5.4343% | 1,784 |
| Cash dividends to net income (ytd only)* | 21.0525% | 3,175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4237% | 3,060 |
| Loan loss allowance to noncurrent loans | 286.0149% | 1,590 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 3,871 |
| Noncurrent loans to loans | 0.4978% | 4,431 |
| Net loans and leases to total assets | 66.9191% | 2,698 |
| Net loans and leases to deposits | 78.0751% | 2,943 |
| Net loans and leases to core deposits | 83.0260% | 2,993 |
| Total domestic deposits to total assets | 85.7112% | 3,008 |
| Equity capital to assets | 11.0580% | 2,893 |
| Core capital (leverage) ratio | 10.8835% | 2,594 |
| Tier 1 risk-based capital ratio | 15.0993% | 3,535 |
| Total risk-based capital ratio | 15.1607% | 4,222 |
| Memoranda: | ||
| Average total assets | $239,284,500 | 2,635 |
| Average earning assets | $219,142,500 | 2,647 |
| Average equity | $25,187,250 | 2,654 |
| Average total loans | $159,849,000 | 2,447 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5001% | 1,834 |
| Cost of funding earning assets | 0.6623% | 1,420 |
| Net interest margin | 3.8378% | 2,423 |
| Noninterest income to average assets | 0.5114% | 3,396 |
| Noninterest expense to average assets | 2.4659% | 4,680 |
| Loan and lease loss provision to assets | 0.0585% | 3,113 |
| Net operating income to assets | 1.0561% | 2,101 |
| Return on assets (ROA) | 1.1105% | 1,969 |
| Pretax return on assets | 1.5802% | 1,308 |
| Return on Equity (ROE) | 10.7310% | 1,832 |
| Retained earnings to average equity (ytd only) | 7.2751% | 1,630 |
| Net charge-offs to loans | 0.0516% | 3,233 |
| Credit loss provision to net charge-offs | 170.7317% | 1,333 |
| Earnings coverage of net charge-offs (x) | 45.5610% | 966 |
| Efficiency ratio | 61.2368% | 5,110 |
| Assets per employee ($millions) | 5.5236% | 1,676 |
| Cash dividends to net income (ytd only)* | 32.2047% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4372% | 3,157 |
| Loan loss allowance to noncurrent loans | 163.3173% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.7682% | 3,669 |
| Noncurrent loans to loans | 0.8800% | 3,500 |
| Net loans and leases to total assets | 66.9593% | 2,591 |
| Net loans and leases to deposits | 77.4880% | 2,871 |
| Net loans and leases to core deposits | 80.8355% | 3,112 |
| Total domestic deposits to total assets | 86.4125% | 2,813 |
| Equity capital to assets | 10.4464% | 3,505 |
| Core capital (leverage) ratio | 10.5006% | 2,950 |
| Tier 1 risk-based capital ratio | 14.2091% | 4,123 |
| Total risk-based capital ratio | 15.4601% | 4,054 |
| Memoranda: | ||
| Average total assets | $239,342,330 | 2,643 |
| Average earning assets | $219,238,330 | 2,645 |
| Average equity | $24,769,330 | 2,684 |
| Average total loans | $159,024,670 | 2,461 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5084% | 1,788 |
| Cost of funding earning assets | 0.6612% | 1,503 |
| Net interest margin | 3.8472% | 2,282 |
| Noninterest income to average assets | 0.4244% | 3,994 |
| Noninterest expense to average assets | 2.4338% | 4,834 |
| Loan and lease loss provision to assets | 0.0758% | 2,624 |
| Net operating income to assets | 1.0080% | 2,182 |
| Return on assets (ROA) | 1.0729% | 1,989 |
| Pretax return on assets | 1.5259% | 1,350 |
| Return on Equity (ROE) | 10.4172% | 1,903 |
| Retained earnings to average equity (ytd only) | 10.4172% | 873 |
| Net charge-offs to loans | -0.0051% | 4,826 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7258% | 5,169 |
| Assets per employee ($millions) | 5.4559% | 1,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 2,977 |
| Loan loss allowance to noncurrent loans | 191.5132% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 0.7873% | 3,775 |
| Noncurrent loans to loans | 0.8035% | 3,866 |
| Net loans and leases to total assets | 63.7530% | 2,944 |
| Net loans and leases to deposits | 73.7749% | 3,101 |
| Net loans and leases to core deposits | 76.8986% | 3,317 |
| Total domestic deposits to total assets | 86.4155% | 3,153 |
| Equity capital to assets | 10.3644% | 3,381 |
| Core capital (leverage) ratio | 10.5860% | 2,826 |
| Tier 1 risk-based capital ratio | 14.2515% | 4,163 |
| Total risk-based capital ratio | 15.5023% | 4,107 |
| Memoranda: | ||
| Average total assets | $237,493,500 | 2,662 |
| Average earning assets | $217,195,500 | 2,672 |
| Average equity | $24,459,500 | 2,700 |
| Average total loans | $155,981,500 | 2,510 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7286% | 1,496 |
| Cost of funding earning assets | 0.8109% | 1,157 |
| Net interest margin | 3.9178% | 2,227 |
| Noninterest income to average assets | 0.5888% | 3,160 |
| Noninterest expense to average assets | 2.5082% | 4,743 |
| Loan and lease loss provision to assets | 0.1644% | 2,220 |
| Net operating income to assets | 1.0618% | 2,072 |
| Return on assets (ROA) | 1.1732% | 1,730 |
| Pretax return on assets | 1.6642% | 1,025 |
| Return on Equity (ROE) | 11.4045% | 1,631 |
| Retained earnings to average equity (ytd only) | 7.6156% | 1,186 |
| Net charge-offs to loans | 0.2653% | 2,371 |
| Credit loss provision to net charge-offs | 92.0097% | 2,703 |
| Earnings coverage of net charge-offs (x) | 9.3438% | 2,520 |
| Efficiency ratio | 60.0393% | 5,467 |
| Assets per employee ($millions) | 5.2206% | 1,940 |
| Cash dividends to net income (ytd only)* | 33.2227% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4982% | 3,204 |
| Loan loss allowance to noncurrent loans | 175.7871% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 3,789 |
| Noncurrent loans to loans | 0.8523% | 3,847 |
| Net loans and leases to total assets | 65.6292% | 2,746 |
| Net loans and leases to deposits | 76.0264% | 2,964 |
| Net loans and leases to core deposits | 81.7242% | 2,929 |
| Total domestic deposits to total assets | 86.3242% | 3,099 |
| Equity capital to assets | 10.2322% | 3,466 |
| Core capital (leverage) ratio | 10.3587% | 3,077 |
| Tier 1 risk-based capital ratio | 13.8769% | 4,377 |
| Total risk-based capital ratio | 15.1278% | 4,321 |
| Memoranda: | ||
| Average total assets | $231,159,400 | 2,711 |
| Average earning assets | $211,752,400 | 2,704 |
| Average equity | $23,780,000 | 2,748 |
| Average total loans | $155,662,400 | 2,483 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7592% | 1,453 |
| Cost of funding earning assets | 0.8327% | 1,140 |
| Net interest margin | 3.9265% | 2,180 |
| Noninterest income to average assets | 0.6313% | 2,983 |
| Noninterest expense to average assets | 2.5315% | 4,618 |
| Loan and lease loss provision to assets | 0.1911% | 1,915 |
| Net operating income to assets | 1.0510% | 2,177 |
| Return on assets (ROA) | 1.1508% | 1,886 |
| Pretax return on assets | 1.6477% | 1,225 |
| Return on Equity (ROE) | 11.1710% | 1,765 |
| Retained earnings to average equity (ytd only) | 10.4064% | 712 |
| Net charge-offs to loans | 0.1990% | 2,643 |
| Credit loss provision to net charge-offs | 142.2414% | 1,654 |
| Earnings coverage of net charge-offs (x) | 12.6248% | 2,114 |
| Efficiency ratio | 59.8767% | 5,456 |
| Assets per employee ($millions) | 5.4654% | 1,665 |
| Cash dividends to net income (ytd only)* | 6.8445% | 3,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6167% | 2,930 |
| Loan loss allowance to noncurrent loans | 200.5673% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 0.8629% | 3,956 |
| Noncurrent loans to loans | 0.8061% | 4,223 |
| Net loans and leases to total assets | 64.0884% | 2,989 |
| Net loans and leases to deposits | 74.1334% | 3,213 |
| Net loans and leases to core deposits | 79.6708% | 3,158 |
| Total domestic deposits to total assets | 86.4501% | 2,989 |
| Equity capital to assets | 10.3067% | 3,499 |
| Core capital (leverage) ratio | 10.4698% | 3,036 |
| Tier 1 risk-based capital ratio | 14.1589% | 4,315 |
| Total risk-based capital ratio | 15.4112% | 4,259 |
| Memoranda: | ||
| Average total assets | $230,217,750 | 2,733 |
| Average earning assets | $210,868,750 | 2,730 |
| Average equity | $23,715,500 | 2,785 |
| Average total loans | $155,446,750 | 2,497 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7654% | 1,409 |
| Cost of funding earning assets | 0.8386% | 1,210 |
| Net interest margin | 3.9268% | 2,122 |
| Noninterest income to average assets | 0.6421% | 2,955 |
| Noninterest expense to average assets | 2.4950% | 4,753 |
| Loan and lease loss provision to assets | 0.2275% | 1,658 |
| Net operating income to assets | 1.0622% | 2,069 |
| Return on assets (ROA) | 1.2177% | 1,647 |
| Pretax return on assets | 1.7426% | 1,030 |
| Return on Equity (ROE) | 11.8233% | 1,547 |
| Retained earnings to average equity (ytd only) | 10.6682% | 708 |
| Net charge-offs to loans | 0.2407% | 2,277 |
| Credit loss provision to net charge-offs | 138.2979% | 1,643 |
| Earnings coverage of net charge-offs (x) | 10.6277% | 2,139 |
| Efficiency ratio | 58.8041% | 5,625 |
| Assets per employee ($millions) | 5.5408% | 1,544 |
| Cash dividends to net income (ytd only)* | 9.7701% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5470% | 3,378 |
| Loan loss allowance to noncurrent loans | 209.4953% | 1,920 |
| Noncurrent assets plus other real estate owned to assets | 0.9712% | 3,830 |
| Noncurrent loans to loans | 0.7384% | 4,449 |
| Net loans and leases to total assets | 66.9742% | 2,416 |
| Net loans and leases to deposits | 77.3204% | 2,671 |
| Net loans and leases to core deposits | 82.6630% | 2,733 |
| Total domestic deposits to total assets | 86.6191% | 3,043 |
| Equity capital to assets | 10.0807% | 3,817 |
| Core capital (leverage) ratio | 10.2714% | 3,137 |
| Tier 1 risk-based capital ratio | 13.6254% | 4,692 |
| Total risk-based capital ratio | 14.8776% | 4,651 |
| Memoranda: | ||
| Average total assets | $228,619,330 | 2,760 |
| Average earning assets | $209,634,000 | 2,747 |
| Average equity | $23,546,670 | 2,813 |
| Average total loans | $156,232,000 | 2,490 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7768% | 1,335 |
| Cost of funding earning assets | 0.8498% | 1,255 |
| Net interest margin | 3.9269% | 2,023 |
| Noninterest income to average assets | 0.6285% | 2,990 |
| Noninterest expense to average assets | 2.5246% | 4,676 |
| Loan and lease loss provision to assets | 0.2295% | 1,595 |
| Net operating income to assets | 1.0344% | 2,090 |
| Return on assets (ROA) | 1.3470% | 1,253 |
| Pretax return on assets | 1.9349% | 685 |
| Return on Equity (ROE) | 12.9374% | 1,185 |
| Retained earnings to average equity (ytd only) | 12.9374% | 569 |
| Net charge-offs to loans | 0.3067% | 1,734 |
| Credit loss provision to net charge-offs | 109.2437% | 1,703 |
| Earnings coverage of net charge-offs (x) | 8.1765% | 1,968 |
| Efficiency ratio | 59.5089% | 5,657 |
| Assets per employee ($millions) | 6.2968% | 1,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 3,562 |
| Loan loss allowance to noncurrent loans | 159.5858% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.1937% | 3,582 |
| Noncurrent loans to loans | 0.9791% | 4,173 |
| Net loans and leases to total assets | 64.6023% | 2,599 |
| Net loans and leases to deposits | 74.7250% | 2,812 |
| Net loans and leases to core deposits | 79.8636% | 2,825 |
| Total domestic deposits to total assets | 86.4534% | 3,272 |
| Equity capital to assets | 10.2614% | 3,844 |
| Core capital (leverage) ratio | 10.5170% | 2,755 |
| Tier 1 risk-based capital ratio | 13.6024% | 4,795 |
| Total risk-based capital ratio | 14.8543% | 4,759 |
| Memoranda: | ||
| Average total assets | $226,573,000 | 2,809 |
| Average earning assets | $208,509,500 | 2,795 |
| Average equity | $23,590,500 | 2,848 |
| Average total loans | $155,195,000 | 2,520 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 1,249 |
| Cost of funding earning assets | 1.0277% | 1,215 |
| Net interest margin | 4.1009% | 1,998 |
| Noninterest income to average assets | 0.8298% | 2,134 |
| Noninterest expense to average assets | 2.7133% | 4,352 |
| Loan and lease loss provision to assets | 0.2711% | 2,481 |
| Net operating income to assets | 1.1250% | 1,858 |
| Return on assets (ROA) | 1.1922% | 1,792 |
| Pretax return on assets | 1.6958% | 1,145 |
| Return on Equity (ROE) | 11.5042% | 1,651 |
| Retained earnings to average equity (ytd only) | 10.0645% | 586 |
| Net charge-offs to loans | 0.3640% | 2,810 |
| Credit loss provision to net charge-offs | 107.0632% | 2,768 |
| Earnings coverage of net charge-offs (x) | 7.3885% | 2,615 |
| Efficiency ratio | 59.1889% | 5,668 |
| Assets per employee ($millions) | 5.9504% | 1,317 |
| Cash dividends to net income (ytd only)* | 12.5148% | 4,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 3,706 |
| Loan loss allowance to noncurrent loans | 474.6507% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 4,890 |
| Noncurrent loans to loans | 0.3181% | 5,689 |
| Net loans and leases to total assets | 70.4526% | 1,748 |
| Net loans and leases to deposits | 81.7963% | 2,026 |
| Net loans and leases to core deposits | 88.0633% | 2,080 |
| Total domestic deposits to total assets | 86.1318% | 3,285 |
| Equity capital to assets | 10.5712% | 3,440 |
| Core capital (leverage) ratio | 10.3729% | 2,923 |
| Tier 1 risk-based capital ratio | 13.2244% | 4,946 |
| Total risk-based capital ratio | 14.4761% | 4,886 |
| Memoranda: | ||
| Average total assets | $212,471,600 | 2,902 |
| Average earning assets | $194,519,000 | 2,903 |
| Average equity | $22,018,000 | 2,971 |
| Average total loans | $147,814,400 | 2,605 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 1,301 |
| Cost of funding earning assets | 1.0477% | 1,293 |
| Net interest margin | 4.1014% | 2,082 |
| Noninterest income to average assets | 0.8036% | 2,222 |
| Noninterest expense to average assets | 2.7502% | 4,172 |
| Loan and lease loss provision to assets | 0.2153% | 2,913 |
| Net operating income to assets | 1.1127% | 2,044 |
| Return on assets (ROA) | 1.1911% | 1,951 |
| Pretax return on assets | 1.6958% | 1,280 |
| Return on Equity (ROE) | 11.5552% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.4494% | 797 |
| Net charge-offs to loans | 0.3466% | 2,719 |
| Credit loss provision to net charge-offs | 89.9471% | 3,299 |
| Earnings coverage of net charge-offs (x) | 7.5158% | 2,596 |
| Efficiency ratio | 60.4538% | 5,425 |
| Assets per employee ($millions) | 6.7923% | 815 |
| Cash dividends to net income (ytd only)* | 9.5692% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 3,825 |
| Loan loss allowance to noncurrent loans | 314.3443% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.8102% | 4,678 |
| Noncurrent loans to loans | 0.4861% | 5,479 |
| Net loans and leases to total assets | 68.2188% | 2,262 |
| Net loans and leases to deposits | 79.2010% | 2,510 |
| Net loans and leases to core deposits | 85.3108% | 2,546 |
| Total domestic deposits to total assets | 86.1337% | 3,178 |
| Equity capital to assets | 10.4736% | 3,875 |
| Core capital (leverage) ratio | 10.2071% | 3,276 |
| Tier 1 risk-based capital ratio | 13.6682% | 4,770 |
| Total risk-based capital ratio | 14.9201% | 4,724 |
| Memoranda: | ||
| Average total assets | $210,548,250 | 2,951 |
| Average earning assets | $192,288,500 | 2,961 |
| Average equity | $21,704,000 | 3,034 |
| Average total loans | $145,395,500 | 2,668 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 1,366 |
| Cost of funding earning assets | 1.0674% | 1,368 |
| Net interest margin | 4.0856% | 2,149 |
| Noninterest income to average assets | 0.8873% | 1,829 |
| Noninterest expense to average assets | 2.6964% | 4,445 |
| Loan and lease loss provision to assets | 0.2977% | 2,198 |
| Net operating income to assets | 1.1335% | 1,937 |
| Return on assets (ROA) | 1.2061% | 1,889 |
| Pretax return on assets | 1.7275% | 1,191 |
| Return on Equity (ROE) | 11.7656% | 1,746 |
| Retained earnings to average equity (ytd only) | 10.0795% | 955 |
| Net charge-offs to loans | 0.4872% | 2,129 |
| Credit loss provision to net charge-offs | 88.5714% | 3,089 |
| Earnings coverage of net charge-offs (x) | 5.7171% | 2,772 |
| Efficiency ratio | 58.3905% | 5,815 |
| Assets per employee ($millions) | 6.8955% | 764 |
| Cash dividends to net income (ytd only)* | 14.3312% | 3,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,851 |
| Loan loss allowance to noncurrent loans | 421.0623% | 858 |
| Noncurrent assets plus other real estate owned to assets | 0.8051% | 4,790 |
| Noncurrent loans to loans | 0.3644% | 5,816 |
| Net loans and leases to total assets | 69.0238% | 2,095 |
| Net loans and leases to deposits | 79.9811% | 2,386 |
| Net loans and leases to core deposits | 85.7880% | 2,457 |
| Total domestic deposits to total assets | 86.3001% | 3,196 |
| Equity capital to assets | 10.2909% | 3,946 |
| Core capital (leverage) ratio | 10.1270% | 3,231 |
| Tier 1 risk-based capital ratio | 12.9948% | 5,193 |
| Total risk-based capital ratio | 14.2463% | 5,167 |
| Memoranda: | ||
| Average total assets | $208,279,330 | 2,992 |
| Average earning assets | $190,180,670 | 2,995 |
| Average equity | $21,350,330 | 3,065 |
| Average total loans | $143,668,000 | 2,711 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1461% | 1,442 |
| Cost of funding earning assets | 1.0799% | 1,500 |
| Net interest margin | 4.0662% | 2,227 |
| Noninterest income to average assets | 0.9984% | 1,427 |
| Noninterest expense to average assets | 2.6817% | 4,495 |
| Loan and lease loss provision to assets | 0.2919% | 2,130 |
| Net operating income to assets | 1.2024% | 1,725 |
| Return on assets (ROA) | 1.3058% | 1,613 |
| Pretax return on assets | 1.8897% | 897 |
| Return on Equity (ROE) | 12.7648% | 1,473 |
| Retained earnings to average equity (ytd only) | 12.7648% | 720 |
| Net charge-offs to loans | 0.8764% | 1,169 |
| Credit loss provision to net charge-offs | 48.7013% | 3,309 |
| Earnings coverage of net charge-offs (x) | 3.3896% | 2,857 |
| Efficiency ratio | 56.8951% | 6,040 |
| Assets per employee ($millions) | 7.0875% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 3,895 |
| Loan loss allowance to noncurrent loans | 410.1504% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.8263% | 4,883 |
| Noncurrent loans to loans | 0.3802% | 5,911 |
| Net loans and leases to total assets | 64.7879% | 2,695 |
| Net loans and leases to deposits | 75.0240% | 2,972 |
| Net loans and leases to core deposits | 80.3059% | 3,039 |
| Total domestic deposits to total assets | 86.3563% | 3,330 |
| Equity capital to assets | 10.1074% | 3,987 |
| Core capital (leverage) ratio | 10.3551% | 2,924 |
| Tier 1 risk-based capital ratio | 13.2444% | 5,036 |
| Total risk-based capital ratio | 14.4938% | 5,014 |
| Memoranda: | ||
| Average total assets | $205,538,500 | 3,043 |
| Average earning assets | $187,791,500 | 3,041 |
| Average equity | $21,026,500 | 3,104 |
| Average total loans | $140,579,500 | 2,777 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4216% | 1,361 |
| Cost of funding earning assets | 1.4011% | 1,038 |
| Net interest margin | 4.0205% | 2,787 |
| Noninterest income to average assets | 0.6122% | 3,102 |
| Noninterest expense to average assets | 2.5806% | 5,170 |
| Loan and lease loss provision to assets | 0.4039% | 2,579 |
| Net operating income to assets | 0.8949% | 2,623 |
| Return on assets (ROA) | 1.0446% | 2,176 |
| Pretax return on assets | 1.5039% | 1,455 |
| Return on Equity (ROE) | 10.6633% | 1,815 |
| Retained earnings to average equity (ytd only) | 10.1902% | 522 |
| Net charge-offs to loans | 0.2960% | 3,927 |
| Credit loss provision to net charge-offs | 198.2500% | 1,279 |
| Earnings coverage of net charge-offs (x) | 8.3000% | 2,171 |
| Efficiency ratio | 60.4149% | 5,682 |
| Assets per employee ($millions) | 6.6150% | 895 |
| Cash dividends to net income (ytd only)* | 4.4369% | 3,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6570% | 3,350 |
| Loan loss allowance to noncurrent loans | 457.0313% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.9231% | 4,763 |
| Noncurrent loans to loans | 0.3626% | 5,997 |
| Net loans and leases to total assets | 69.9825% | 2,032 |
| Net loans and leases to deposits | 81.3025% | 2,307 |
| Net loans and leases to core deposits | 87.7982% | 2,397 |
| Total domestic deposits to total assets | 86.0767% | 3,274 |
| Equity capital to assets | 10.3612% | 3,695 |
| Core capital (leverage) ratio | 10.2540% | 3,021 |
| Tier 1 risk-based capital ratio | 13.0720% | 5,006 |
| Total risk-based capital ratio | 14.3233% | 4,980 |
| Memoranda: | ||
| Average total assets | $196,350,200 | 3,096 |
| Average earning assets | $178,710,600 | 3,107 |
| Average equity | $19,234,200 | 3,249 |
| Average total loans | $135,133,400 | 2,896 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4424% | 1,403 |
| Cost of funding earning assets | 1.4886% | 903 |
| Net interest margin | 3.9538% | 3,137 |
| Noninterest income to average assets | 0.5951% | 3,201 |
| Noninterest expense to average assets | 2.5689% | 5,206 |
| Loan and lease loss provision to assets | 0.3152% | 3,013 |
| Net operating income to assets | 0.8862% | 2,793 |
| Return on assets (ROA) | 1.0519% | 2,279 |
| Pretax return on assets | 1.5462% | 1,529 |
| Return on Equity (ROE) | 10.8979% | 1,899 |
| Retained earnings to average equity (ytd only) | 10.2560% | 777 |
| Net charge-offs to loans | 0.2225% | 4,041 |
| Credit loss provision to net charge-offs | 207.6233% | 1,411 |
| Earnings coverage of net charge-offs (x) | 10.6546% | 1,894 |
| Efficiency ratio | 61.3596% | 5,508 |
| Assets per employee ($millions) | 7.0038% | 737 |
| Cash dividends to net income (ytd only)* | 5.8899% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5991% | 3,673 |
| Loan loss allowance to noncurrent loans | 202.0333% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 4,294 |
| Noncurrent loans to loans | 0.7915% | 5,293 |
| Net loans and leases to total assets | 66.2259% | 2,851 |
| Net loans and leases to deposits | 76.5682% | 3,237 |
| Net loans and leases to core deposits | 82.7323% | 3,221 |
| Total domestic deposits to total assets | 86.4926% | 2,940 |
| Equity capital to assets | 9.9084% | 4,471 |
| Core capital (leverage) ratio | 9.8807% | 3,603 |
| Tier 1 risk-based capital ratio | 13.2183% | 4,935 |
| Total risk-based capital ratio | 14.4707% | 4,906 |
| Memoranda: | ||
| Average total assets | $195,825,000 | 3,120 |
| Average earning assets | $177,884,000 | 3,141 |
| Average equity | $18,902,250 | 3,301 |
| Average total loans | $133,611,500 | 2,946 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4651% | 1,377 |
| Cost of funding earning assets | 1.5024% | 996 |
| Net interest margin | 3.9627% | 3,023 |
| Noninterest income to average assets | 0.5284% | 3,640 |
| Noninterest expense to average assets | 2.5543% | 5,340 |
| Loan and lease loss provision to assets | 0.3082% | 2,949 |
| Net operating income to assets | 0.8767% | 2,744 |
| Return on assets (ROA) | 0.8945% | 2,767 |
| Pretax return on assets | 1.2979% | 2,143 |
| Return on Equity (ROE) | 9.3540% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.3540% | 998 |
| Net charge-offs to loans | 0.1720% | 4,146 |
| Credit loss provision to net charge-offs | 261.4035% | 1,165 |
| Earnings coverage of net charge-offs (x) | 13.4035% | 1,550 |
| Efficiency ratio | 61.7809% | 5,619 |
| Assets per employee ($millions) | 6.6074% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5847% | 3,756 |
| Loan loss allowance to noncurrent loans | 181.7406% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 1.1008% | 4,688 |
| Noncurrent loans to loans | 0.8720% | 5,213 |
| Net loans and leases to total assets | 66.7331% | 2,873 |
| Net loans and leases to deposits | 76.9565% | 3,297 |
| Net loans and leases to core deposits | 83.1274% | 3,347 |
| Total domestic deposits to total assets | 86.7153% | 2,911 |
| Equity capital to assets | 9.7855% | 4,404 |
| Core capital (leverage) ratio | 9.9243% | 3,358 |
| Tier 1 risk-based capital ratio | 13.1828% | 4,777 |
| Total risk-based capital ratio | 14.4352% | 4,758 |
| Memoranda: | ||
| Average total assets | $193,396,330 | 3,179 |
| Average earning assets | $175,990,670 | 3,186 |
| Average equity | $18,494,670 | 3,336 |
| Average total loans | $132,582,670 | 2,993 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4726% | 1,373 |
| Cost of funding earning assets | 1.5254% | 1,070 |
| Net interest margin | 3.9472% | 2,926 |
| Noninterest income to average assets | 0.5299% | 3,656 |
| Noninterest expense to average assets | 2.5615% | 5,353 |
| Loan and lease loss provision to assets | 0.2262% | 3,396 |
| Net operating income to assets | 0.9132% | 2,500 |
| Return on assets (ROA) | 0.9132% | 2,558 |
| Pretax return on assets | 1.3300% | 1,941 |
| Return on Equity (ROE) | 9.6655% | 2,228 |
| Retained earnings to average equity (ytd only) | 9.6655% | 1,197 |
| Net charge-offs to loans | 0.0516% | 4,420 |
| Credit loss provision to net charge-offs | 635.2941% | 591 |
| Earnings coverage of net charge-offs (x) | 43.7059% | 638 |
| Efficiency ratio | 62.2075% | 5,650 |
| Assets per employee ($millions) | 6.4699% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 3,872 |
| Loan loss allowance to noncurrent loans | 231.0658% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 1.0830% | 4,758 |
| Noncurrent loans to loans | 0.6793% | 5,664 |
| Net loans and leases to total assets | 65.8487% | 3,055 |
| Net loans and leases to deposits | 75.8252% | 3,445 |
| Net loans and leases to core deposits | 81.7316% | 3,489 |
| Total domestic deposits to total assets | 86.8427% | 3,026 |
| Equity capital to assets | 9.4555% | 4,495 |
| Core capital (leverage) ratio | 9.9309% | 3,228 |
| Tier 1 risk-based capital ratio | 13.0682% | 4,778 |
| Total risk-based capital ratio | 14.3202% | 4,755 |
| Memoranda: | ||
| Average total assets | $190,984,000 | 3,235 |
| Average earning assets | $173,592,500 | 3,241 |
| Average equity | $18,043,500 | 3,393 |
| Average total loans | $131,669,500 | 3,040 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5317% | 2,155 |
| Cost of funding earning assets | 2.0066% | 594 |
| Net interest margin | 3.5251% | 5,137 |
| Noninterest income to average assets | 0.6655% | 3,047 |
| Noninterest expense to average assets | 2.5313% | 5,677 |
| Loan and lease loss provision to assets | 0.3462% | 4,057 |
| Net operating income to assets | 0.6926% | 3,259 |
| Return on assets (ROA) | 0.7194% | 3,277 |
| Pretax return on assets | 1.0871% | 2,627 |
| Return on Equity (ROE) | 7.4512% | 2,915 |
| Retained earnings to average equity (ytd only) | 7.4512% | 1,159 |
| Net charge-offs to loans | 0.4841% | 3,682 |
| Credit loss provision to net charge-offs | 96.7742% | 4,799 |
| Earnings coverage of net charge-offs (x) | 3.8925% | 3,141 |
| Efficiency ratio | 64.5098% | 5,261 |
| Assets per employee ($millions) | 6.2623% | 1,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 4,232 |
| Loan loss allowance to noncurrent loans | 233.7335% | 1,314 |
| Noncurrent assets plus other real estate owned to assets | 1.0768% | 4,854 |
| Noncurrent loans to loans | 0.6240% | 5,804 |
| Net loans and leases to total assets | 70.0181% | 2,533 |
| Net loans and leases to deposits | 80.9057% | 3,010 |
| Net loans and leases to core deposits | 87.9627% | 3,056 |
| Total domestic deposits to total assets | 86.5428% | 3,059 |
| Equity capital to assets | 9.4395% | 4,486 |
| Core capital (leverage) ratio | 9.7337% | 3,391 |
| Tier 1 risk-based capital ratio | 12.8129% | 4,765 |
| Total risk-based capital ratio | 14.0380% | 4,746 |
| Memoranda: | ||
| Average total assets | $181,959,200 | 3,345 |
| Average earning assets | $168,192,800 | 3,311 |
| Average equity | $17,567,600 | 3,495 |
| Average total loans | $134,482,200 | 3,042 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4870% | 2,482 |
| Cost of funding earning assets | 2.1111% | 518 |
| Net interest margin | 3.3760% | 5,763 |
| Noninterest income to average assets | 0.6265% | 3,277 |
| Noninterest expense to average assets | 2.4113% | 5,998 |
| Loan and lease loss provision to assets | 0.2844% | 4,303 |
| Net operating income to assets | 0.6870% | 3,484 |
| Return on assets (ROA) | 0.7225% | 3,466 |
| Pretax return on assets | 1.1126% | 2,787 |
| Return on Equity (ROE) | 7.4402% | 3,131 |
| Retained earnings to average equity (ytd only) | 7.4402% | 1,621 |
| Net charge-offs to loans | 0.3464% | 3,925 |
| Credit loss provision to net charge-offs | 110.0000% | 3,858 |
| Earnings coverage of net charge-offs (x) | 5.1914% | 2,820 |
| Efficiency ratio | 64.2393% | 5,202 |
| Assets per employee ($millions) | 6.4668% | 984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4601% | 4,153 |
| Loan loss allowance to noncurrent loans | 222.0621% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 5,217 |
| Noncurrent loans to loans | 0.6575% | 5,889 |
| Net loans and leases to total assets | 72.0835% | 2,234 |
| Net loans and leases to deposits | 83.3204% | 2,833 |
| Net loans and leases to core deposits | 91.4821% | 2,877 |
| Total domestic deposits to total assets | 86.5137% | 2,797 |
| Equity capital to assets | 9.7772% | 4,447 |
| Core capital (leverage) ratio | 9.6082% | 3,755 |
| Tier 1 risk-based capital ratio | 13.1234% | 4,481 |
| Total risk-based capital ratio | 14.3759% | 4,457 |
| Memoranda: | ||
| Average total assets | $180,481,500 | 3,416 |
| Average earning assets | $167,177,750 | 3,374 |
| Average equity | $17,526,000 | 3,550 |
| Average total loans | $134,730,250 | 3,082 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3933% | 3,004 |
| Cost of funding earning assets | 2.1597% | 532 |
| Net interest margin | 3.2336% | 6,211 |
| Noninterest income to average assets | 0.5591% | 3,636 |
| Noninterest expense to average assets | 2.2557% | 6,494 |
| Loan and lease loss provision to assets | 0.3424% | 3,680 |
| Net operating income to assets | 0.6241% | 3,760 |
| Return on assets (ROA) | 0.6557% | 3,758 |
| Pretax return on assets | 1.0195% | 3,047 |
| Return on Equity (ROE) | 6.7687% | 3,413 |
| Retained earnings to average equity (ytd only) | 6.7687% | 1,941 |
| Net charge-offs to loans | 0.4227% | 3,308 |
| Credit loss provision to net charge-offs | 107.7739% | 3,779 |
| Earnings coverage of net charge-offs (x) | 4.1307% | 3,044 |
| Efficiency ratio | 63.2159% | 5,483 |
| Assets per employee ($millions) | 5.9747% | 1,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4453% | 4,202 |
| Loan loss allowance to noncurrent loans | 241.7983% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.4719% | 6,264 |
| Noncurrent loans to loans | 0.5977% | 6,045 |
| Net loans and leases to total assets | 73.2635% | 2,091 |
| Net loans and leases to deposits | 84.6818% | 2,754 |
| Net loans and leases to core deposits | 93.5899% | 2,784 |
| Total domestic deposits to total assets | 86.5162% | 2,810 |
| Equity capital to assets | 9.5187% | 4,675 |
| Core capital (leverage) ratio | 9.5316% | 3,777 |
| Tier 1 risk-based capital ratio | 12.7659% | 4,635 |
| Total risk-based capital ratio | 13.9949% | 4,617 |
| Memoranda: | ||
| Average total assets | $178,129,330 | 3,467 |
| Average earning assets | $165,760,000 | 3,414 |
| Average equity | $17,256,000 | 3,594 |
| Average total loans | $133,911,330 | 3,127 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3121% | 3,480 |
| Cost of funding earning assets | 2.1360% | 725 |
| Net interest margin | 3.1761% | 6,362 |
| Noninterest income to average assets | 0.3780% | 5,113 |
| Noninterest expense to average assets | 2.1903% | 6,707 |
| Loan and lease loss provision to assets | 0.2177% | 4,326 |
| Net operating income to assets | 0.6190% | 3,809 |
| Return on assets (ROA) | 0.6278% | 3,895 |
| Pretax return on assets | 0.9852% | 3,146 |
| Return on Equity (ROE) | 6.4210% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.4210% | 2,398 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8136% | 5,339 |
| Assets per employee ($millions) | 6.5651% | 965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5227% | 3,794 |
| Loan loss allowance to noncurrent loans | 223.9957% | 1,292 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 6,182 |
| Noncurrent loans to loans | 0.6798% | 5,973 |
| Net loans and leases to total assets | 72.5792% | 2,303 |
| Net loans and leases to deposits | 83.5602% | 3,015 |
| Net loans and leases to core deposits | 92.9392% | 2,986 |
| Total domestic deposits to total assets | 86.8586% | 2,704 |
| Equity capital to assets | 9.3236% | 4,797 |
| Core capital (leverage) ratio | 9.4814% | 3,800 |
| Tier 1 risk-based capital ratio | 12.3196% | 4,885 |
| Total risk-based capital ratio | 13.5358% | 4,876 |
| Memoranda: | ||
| Average total assets | $174,586,500 | 3,580 |
| Average earning assets | $164,982,500 | 3,479 |
| Average equity | $17,069,000 | 3,639 |
| Average total loans | $132,024,500 | 3,220 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7370% | 2,923 |
| Cost of funding earning assets | 2.5590% | 877 |
| Net interest margin | 3.1780% | 6,164 |
| Noninterest income to average assets | 0.7259% | 2,811 |
| Noninterest expense to average assets | 2.7027% | 5,375 |
| Loan and lease loss provision to assets | 1.1826% | 1,949 |
| Net operating income to assets | 0.3551% | 4,306 |
| Return on assets (ROA) | 0.7742% | 2,717 |
| Pretax return on assets | 0.2465% | 4,897 |
| Return on Equity (ROE) | 6.6627% | 2,925 |
| Retained earnings to average equity (ytd only) | 6.6627% | 1,091 |
| Net charge-offs to loans | 0.6426% | 3,267 |
| Credit loss provision to net charge-offs | 238.5387% | 1,510 |
| Earnings coverage of net charge-offs (x) | 2.0372% | 4,200 |
| Efficiency ratio | 72.7951% | 4,135 |
| Assets per employee ($millions) | 5.7017% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 3,568 |
| Loan loss allowance to noncurrent loans | 145.1327% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.9785% | 5,156 |
| Noncurrent loans to loans | 1.0547% | 5,212 |
| Net loans and leases to total assets | 76.5653% | 1,686 |
| Net loans and leases to deposits | 89.5598% | 2,289 |
| Net loans and leases to core deposits | 131.0125% | 1,228 |
| Total domestic deposits to total assets | 85.4907% | 3,300 |
| Equity capital to assets | 10.2807% | 3,422 |
| Core capital (leverage) ratio | 10.4849% | 2,627 |
| Tier 1 risk-based capital ratio | 12.8367% | 4,256 |
| Total risk-based capital ratio | 14.0968% | 4,202 |
| Memoranda: | ||
| Average total assets | $140,787,200 | 4,108 |
| Average earning assets | $132,316,400 | 4,042 |
| Average equity | $16,359,800 | 3,814 |
| Average total loans | $108,623,000 | 3,726 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7223% | 3,229 |
| Cost of funding earning assets | 2.6779% | 840 |
| Net interest margin | 3.0444% | 6,478 |
| Noninterest income to average assets | 0.4129% | 5,187 |
| Noninterest expense to average assets | 2.6310% | 5,595 |
| Loan and lease loss provision to assets | 0.4733% | 3,540 |
| Net operating income to assets | 0.1713% | 5,246 |
| Return on assets (ROA) | 0.5902% | 3,699 |
| Pretax return on assets | 0.5902% | 4,210 |
| Return on Equity (ROE) | 4.9052% | 4,006 |
| Retained earnings to average equity (ytd only) | 4.9052% | 2,552 |
| Net charge-offs to loans | 0.1570% | 5,137 |
| Credit loss provision to net charge-offs | 391.8033% | 1,026 |
| Earnings coverage of net charge-offs (x) | 5.3362% | 2,855 |
| Efficiency ratio | 80.3204% | 2,795 |
| Assets per employee ($millions) | 5.1856% | 1,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1105% | 5,664 |
| Loan loss allowance to noncurrent loans | 869.2308% | 407 |
| Noncurrent assets plus other real estate owned to assets | 0.3748% | 6,537 |
| Noncurrent loans to loans | 0.1278% | 7,158 |
| Net loans and leases to total assets | 77.6169% | 1,651 |
| Net loans and leases to deposits | 91.8605% | 2,254 |
| Net loans and leases to core deposits | 133.4973% | 1,236 |
| Total domestic deposits to total assets | 84.4942% | 3,479 |
| Equity capital to assets | 10.8518% | 3,164 |
| Core capital (leverage) ratio | 11.1474% | 2,304 |
| Tier 1 risk-based capital ratio | 12.8149% | 4,315 |
| Total risk-based capital ratio | 13.8636% | 4,412 |
| Memoranda: | ||
| Average total assets | $134,646,750 | 4,263 |
| Average earning assets | $126,612,750 | 4,191 |
| Average equity | $16,200,000 | 3,871 |
| Average total loans | $103,636,750 | 3,890 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6886% | 3,609 |
| Cost of funding earning assets | 2.7380% | 941 |
| Net interest margin | 2.9506% | 6,679 |
| Noninterest income to average assets | 0.3666% | 5,579 |
| Noninterest expense to average assets | 2.6427% | 5,585 |
| Loan and lease loss provision to assets | 0.4747% | 3,148 |
| Net operating income to assets | 0.0313% | 5,752 |
| Return on assets (ROA) | 0.3321% | 4,868 |
| Pretax return on assets | 0.3321% | 5,121 |
| Return on Equity (ROE) | 2.6545% | 5,034 |
| Retained earnings to average equity (ytd only) | 2.6545% | 3,851 |
| Net charge-offs to loans | 0.0041% | 6,556 |
| Credit loss provision to net charge-offs | 15,150.0000% | 27 |
| Earnings coverage of net charge-offs (x) | 161.5000% | 254 |
| Efficiency ratio | 83.9303% | 2,480 |
| Assets per employee ($millions) | 4.7043% | 2,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1572% | 5,220 |
| Loan loss allowance to noncurrent loans | 180.2213% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 0.5123% | 6,150 |
| Noncurrent loans to loans | 0.6421% | 5,966 |
| Net loans and leases to total assets | 78.8635% | 1,558 |
| Net loans and leases to deposits | 94.4894% | 2,016 |
| Net loans and leases to core deposits | 135.4196% | 1,244 |
| Total domestic deposits to total assets | 83.4628% | 4,030 |
| Equity capital to assets | 11.4497% | 2,571 |
| Core capital (leverage) ratio | 11.9306% | 1,864 |
| Tier 1 risk-based capital ratio | 13.6886% | 3,696 |
| Total risk-based capital ratio | 14.7917% | 3,725 |
| Memoranda: | ||
| Average total assets | $127,673,000 | 4,440 |
| Average earning assets | $120,382,000 | 4,357 |
| Average equity | $15,972,670 | 3,926 |
| Average total loans | $97,481,330 | 4,082 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5659% | 4,541 |
| Cost of funding earning assets | 2.8216% | 931 |
| Net interest margin | 2.7443% | 7,106 |
| Noninterest income to average assets | 0.2646% | 6,333 |
| Noninterest expense to average assets | 2.5565% | 5,623 |
| Loan and lease loss provision to assets | 0.3142% | 3,453 |
| Net operating income to assets | -0.0232% | 6,295 |
| Return on assets (ROA) | 0.1918% | 5,855 |
| Pretax return on assets | 0.1918% | 5,958 |
| Return on Equity (ROE) | 1.4610% | 5,985 |
| Retained earnings to average equity (ytd only) | 1.4610% | 5,035 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7793% | 1,735 |
| Assets per employee ($millions) | 4.9349% | 2,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,103 |
| Loan loss allowance to noncurrent loans | 312.8571% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2728% | 6,688 |
| Noncurrent loans to loans | 0.3686% | 6,501 |
| Net loans and leases to total assets | 73.1605% | 2,972 |
| Net loans and leases to deposits | 89.0075% | 3,105 |
| Net loans and leases to core deposits | 124.5208% | 2,037 |
| Total domestic deposits to total assets | 82.1958% | 4,470 |
| Equity capital to assets | 12.3360% | 2,060 |
| Core capital (leverage) ratio | 12.6166% | 1,640 |
| Tier 1 risk-based capital ratio | 15.1482% | 2,992 |
| Total risk-based capital ratio | 16.1850% | 3,031 |
| Memoranda: | ||
| Average total assets | $120,944,500 | 4,622 |
| Average earning assets | $113,836,000 | 4,537 |
| Average equity | $15,879,500 | 3,968 |
| Average total loans | $89,920,500 | 4,309 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9326% | 5,890 |
| Cost of funding earning assets | 3.0126% | 1,830 |
| Net interest margin | 2.9200% | 7,111 |
| Noninterest income to average assets | 0.2386% | 6,741 |
| Noninterest expense to average assets | 3.1715% | 3,443 |
| Loan and lease loss provision to assets | 0.6876% | 2,124 |
| Net operating income to assets | -0.9213% | 7,201 |
| Return on assets (ROA) | -1.3006% | 7,332 |
| Pretax return on assets | -1.3006% | 7,166 |
| Return on Equity (ROE) | -7.2854% | 7,069 |
| Retained earnings to average equity (ytd only) | -7.2854% | 6,810 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9550% | 760 |
| Assets per employee ($millions) | 4.9383% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1782% | 4,720 |
| Loan loss allowance to noncurrent loans | 6,666.6667% | 106 |
| Noncurrent assets plus other real estate owned to assets | 0.0132% | 7,561 |
| Noncurrent loans to loans | 0.0177% | 7,459 |
| Net loans and leases to total assets | 73.8462% | 3,144 |
| Net loans and leases to deposits | 92.4091% | 3,068 |
| Net loans and leases to core deposits | 125.0779% | 2,245 |
| Total domestic deposits to total assets | 79.9123% | 5,053 |
| Equity capital to assets | 14.0260% | 1,416 |
| Core capital (leverage) ratio | 14.8033% | 1,074 |
| Tier 1 risk-based capital ratio | 17.4257% | 2,199 |
| Total risk-based capital ratio | 18.5198% | 2,190 |
| Memoranda: | ||
| Average total assets | $81,728,400 | 5,635 |
| Average earning assets | $75,548,800 | 5,609 |
| Average equity | $14,590,800 | 4,222 |
| Average total loans | $59,097,600 | 5,308 |