Home > Bank of Houston > Performance and Condition Ratios
Bank of Houston, Performance and Condition Ratios
| 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 | 4.6078% | 1,485 |
| Cost of funding earning assets | 0.2889% | 5,180 |
| Net interest margin | 4.3189% | 965 |
| Noninterest income to average assets | 0.2165% | 5,620 |
| Noninterest expense to average assets | 2.2633% | 5,294 |
| Loan and lease loss provision to assets | 0.0742% | 2,652 |
| Net operating income to assets | 1.1386% | 1,669 |
| Return on assets (ROA) | 1.1386% | 1,740 |
| Pretax return on assets | 1.6938% | 988 |
| Return on Equity (ROE) | 12.6731% | 1,243 |
| Retained earnings to average equity (ytd only) | 12.6731% | 530 |
| Net charge-offs to loans | 0.0949% | 2,215 |
| Credit loss provision to net charge-offs | 100.5525% | 1,645 |
| Earnings coverage of net charge-offs (x) | 23.9613% | 1,205 |
| Efficiency ratio | 56.1432% | 5,824 |
| Assets per employee ($millions) | 9.2840% | 312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6963% | 6,288 |
| Loan loss allowance to noncurrent loans | 940.0344% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1063% | 5,933 |
| Noncurrent loans to loans | 0.0741% | 5,919 |
| Net loans and leases to total assets | 75.0411% | 1,120 |
| Net loans and leases to deposits | 95.4551% | 689 |
| Net loans and leases to core deposits | 106.9061% | 720 |
| Total domestic deposits to total assets | 78.6140% | 5,737 |
| Equity capital to assets | 8.6428% | 5,504 |
| Core capital (leverage) ratio | 9.1480% | 4,797 |
| Tier 1 risk-based capital ratio | 10.7026% | 6,274 |
| Total risk-based capital ratio | 11.3579% | 6,415 |
| Memoranda: | ||
| Average total assets | $981,205,000 | 686 |
| Average earning assets | $866,696,500 | 709 |
| Average equity | $88,155,500 | 831 |
| Average total loans | $762,862,500 | 573 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 1,866 |
| Cost of funding earning assets | 0.2986% | 5,609 |
| Net interest margin | 4.3054% | 1,095 |
| Noninterest income to average assets | 0.2366% | 5,658 |
| Noninterest expense to average assets | 2.4168% | 5,028 |
| Loan and lease loss provision to assets | -0.0393% | 6,352 |
| Net operating income to assets | 1.2154% | 1,507 |
| Return on assets (ROA) | 1.2189% | 1,567 |
| Pretax return on assets | 1.7794% | 792 |
| Return on Equity (ROE) | 13.6601% | 1,029 |
| Retained earnings to average equity (ytd only) | 13.6601% | 213 |
| Net charge-offs to loans | 0.0456% | 4,581 |
| Credit loss provision to net charge-offs | -115.1125% | 5,897 |
| Earnings coverage of net charge-offs (x) | 50.8650% | 784 |
| Efficiency ratio | 58.2094% | 5,712 |
| Assets per employee ($millions) | 8.2375% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7392% | 6,295 |
| Loan loss allowance to noncurrent loans | 917.7852% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1213% | 5,963 |
| Noncurrent loans to loans | 0.0805% | 5,975 |
| Net loans and leases to total assets | 79.6119% | 636 |
| Net loans and leases to deposits | 90.1876% | 1,224 |
| Net loans and leases to core deposits | 100.5797% | 1,112 |
| Total domestic deposits to total assets | 88.2737% | 2,020 |
| Equity capital to assets | 9.3694% | 4,587 |
| Core capital (leverage) ratio | 9.1901% | 4,736 |
| Tier 1 risk-based capital ratio | 11.1146% | 6,113 |
| Total risk-based capital ratio | 11.8177% | 6,305 |
| Memoranda: | ||
| Average total assets | $911,700,400 | 723 |
| Average earning assets | $829,098,200 | 720 |
| Average equity | $81,353,600 | 879 |
| Average total loans | $682,110,400 | 615 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5869% | 1,947 |
| Cost of funding earning assets | 0.3017% | 5,720 |
| Net interest margin | 4.2852% | 1,126 |
| Noninterest income to average assets | 0.2460% | 5,676 |
| Noninterest expense to average assets | 2.3469% | 5,191 |
| Loan and lease loss provision to assets | 0.0147% | 4,714 |
| Net operating income to assets | 1.2132% | 1,588 |
| Return on assets (ROA) | 1.2178% | 1,648 |
| Pretax return on assets | 1.7772% | 949 |
| Return on Equity (ROE) | 13.8222% | 1,030 |
| Retained earnings to average equity (ytd only) | 13.8222% | 263 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7960% | 5,823 |
| Assets per employee ($millions) | 8.2277% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 6,091 |
| Loan loss allowance to noncurrent loans | 1,242.8287% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 6,073 |
| Noncurrent loans to loans | 0.0712% | 6,123 |
| Net loans and leases to total assets | 75.7891% | 1,032 |
| Net loans and leases to deposits | 92.4695% | 950 |
| Net loans and leases to core deposits | 105.2601% | 802 |
| Total domestic deposits to total assets | 81.9612% | 4,944 |
| Equity capital to assets | 9.0718% | 5,098 |
| Core capital (leverage) ratio | 9.3261% | 4,659 |
| Tier 1 risk-based capital ratio | 11.1755% | 6,204 |
| Total risk-based capital ratio | 12.0097% | 6,344 |
| Memoranda: | ||
| Average total assets | $908,975,000 | 728 |
| Average earning assets | $824,328,750 | 732 |
| Average equity | $80,081,500 | 901 |
| Average total loans | $667,645,250 | 628 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 2,073 |
| Cost of funding earning assets | 0.3117% | 5,742 |
| Net interest margin | 4.2224% | 1,217 |
| Noninterest income to average assets | 0.2655% | 5,555 |
| Noninterest expense to average assets | 2.3610% | 5,175 |
| Loan and lease loss provision to assets | 0.0221% | 4,460 |
| Net operating income to assets | 1.1874% | 1,623 |
| Return on assets (ROA) | 1.1943% | 1,717 |
| Pretax return on assets | 1.7401% | 1,038 |
| Return on Equity (ROE) | 13.6941% | 1,071 |
| Retained earnings to average equity (ytd only) | 13.6941% | 322 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4000% | 5,812 |
| Assets per employee ($millions) | 8.4959% | 379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9168% | 6,087 |
| Loan loss allowance to noncurrent loans | 3,135.1759% | 201 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 6,248 |
| Noncurrent loans to loans | 0.0292% | 6,323 |
| Net loans and leases to total assets | 72.1481% | 1,556 |
| Net loans and leases to deposits | 87.9114% | 1,346 |
| Net loans and leases to core deposits | 100.1731% | 1,066 |
| Total domestic deposits to total assets | 82.0691% | 5,037 |
| Equity capital to assets | 8.6299% | 5,637 |
| Core capital (leverage) ratio | 9.0584% | 4,898 |
| Tier 1 risk-based capital ratio | 10.9501% | 6,357 |
| Total risk-based capital ratio | 11.7977% | 6,465 |
| Memoranda: | ||
| Average total assets | $904,797,670 | 732 |
| Average earning assets | $824,504,000 | 726 |
| Average equity | $78,909,670 | 923 |
| Average total loans | $655,313,330 | 643 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4156% | 2,466 |
| Cost of funding earning assets | 0.3265% | 5,750 |
| Net interest margin | 4.0892% | 1,490 |
| Noninterest income to average assets | 0.2553% | 5,628 |
| Noninterest expense to average assets | 2.3953% | 5,139 |
| Loan and lease loss provision to assets | 0.0449% | 3,858 |
| Net operating income to assets | 1.1327% | 1,734 |
| Return on assets (ROA) | 1.1466% | 1,799 |
| Pretax return on assets | 1.6694% | 1,155 |
| Return on Equity (ROE) | 13.0755% | 1,151 |
| Retained earnings to average equity (ytd only) | 13.0755% | 551 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5733% | 5,771 |
| Assets per employee ($millions) | 7.7466% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 6,131 |
| Loan loss allowance to noncurrent loans | 2,748.4581% | 207 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 6,147 |
| Noncurrent loans to loans | 0.0346% | 6,388 |
| Net loans and leases to total assets | 73.5876% | 1,136 |
| Net loans and leases to deposits | 89.1230% | 1,040 |
| Net loans and leases to core deposits | 101.2648% | 874 |
| Total domestic deposits to total assets | 82.5686% | 5,000 |
| Equity capital to assets | 8.9763% | 5,512 |
| Core capital (leverage) ratio | 9.0989% | 4,717 |
| Tier 1 risk-based capital ratio | 11.2079% | 6,309 |
| Total risk-based capital ratio | 12.1080% | 6,432 |
| Memoranda: | ||
| Average total assets | $889,921,500 | 743 |
| Average earning assets | $834,401,500 | 724 |
| Average equity | $78,039,000 | 943 |
| Average total loans | $642,720,500 | 650 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4347% | 3,684 |
| Cost of funding earning assets | 0.4128% | 5,830 |
| Net interest margin | 4.0219% | 2,309 |
| Noninterest income to average assets | 0.1427% | 6,326 |
| Noninterest expense to average assets | 2.4928% | 5,122 |
| Loan and lease loss provision to assets | 0.0305% | 5,515 |
| Net operating income to assets | 0.9935% | 2,370 |
| Return on assets (ROA) | 1.0299% | 2,416 |
| Pretax return on assets | 1.4905% | 1,704 |
| Return on Equity (ROE) | 11.6351% | 1,611 |
| Retained earnings to average equity (ytd only) | 11.6351% | 359 |
| Net charge-offs to loans | 0.0095% | 5,807 |
| Credit loss provision to net charge-offs | 471.6981% | 514 |
| Earnings coverage of net charge-offs (x) | 226.8113% | 185 |
| Efficiency ratio | 62.9336% | 5,089 |
| Assets per employee ($millions) | 8.0787% | 481 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9755% | 6,046 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1154% | 6,287 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 69.4972% | 1,943 |
| Net loans and leases to deposits | 81.0894% | 2,134 |
| Net loans and leases to core deposits | 90.5432% | 1,774 |
| Total domestic deposits to total assets | 85.7044% | 3,510 |
| Equity capital to assets | 8.5653% | 5,994 |
| Core capital (leverage) ratio | 8.5681% | 5,511 |
| Tier 1 risk-based capital ratio | 11.3000% | 6,213 |
| Total risk-based capital ratio | 12.2255% | 6,318 |
| Memoranda: | ||
| Average total assets | $818,743,600 | 806 |
| Average earning assets | $777,316,800 | 769 |
| Average equity | $72,470,200 | 971 |
| Average total loans | $557,848,400 | 747 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4524% | 3,821 |
| Cost of funding earning assets | 0.4292% | 5,938 |
| Net interest margin | 4.0232% | 2,404 |
| Noninterest income to average assets | 0.1581% | 6,358 |
| Noninterest expense to average assets | 2.5231% | 5,007 |
| Loan and lease loss provision to assets | 0.0083% | 5,704 |
| Net operating income to assets | 1.0001% | 2,499 |
| Return on assets (ROA) | 1.0214% | 2,632 |
| Pretax return on assets | 1.4775% | 1,968 |
| Return on Equity (ROE) | 11.4362% | 1,807 |
| Retained earnings to average equity (ytd only) | 11.4362% | 624 |
| Net charge-offs to loans | 0.0141% | 5,499 |
| Credit loss provision to net charge-offs | 87.7193% | 3,369 |
| Earnings coverage of net charge-offs (x) | 153.0137% | 286 |
| Efficiency ratio | 63.4252% | 4,899 |
| Assets per employee ($millions) | 7.5194% | 590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0474% | 5,902 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 6,232 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 67.1762% | 2,426 |
| Net loans and leases to deposits | 79.9746% | 2,395 |
| Net loans and leases to core deposits | 87.5444% | 2,270 |
| Total domestic deposits to total assets | 83.9969% | 4,222 |
| Equity capital to assets | 8.9835% | 5,841 |
| Core capital (leverage) ratio | 8.8690% | 5,239 |
| Tier 1 risk-based capital ratio | 11.7285% | 6,094 |
| Total risk-based capital ratio | 12.6870% | 6,233 |
| Memoranda: | ||
| Average total assets | $799,245,500 | 833 |
| Average earning assets | $758,880,000 | 790 |
| Average equity | $71,385,750 | 994 |
| Average total loans | $539,974,250 | 773 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4362% | 4,038 |
| Cost of funding earning assets | 0.4483% | 5,985 |
| Net interest margin | 3.9879% | 2,557 |
| Noninterest income to average assets | 0.1369% | 6,506 |
| Noninterest expense to average assets | 2.5013% | 5,132 |
| Loan and lease loss provision to assets | 0.0127% | 5,506 |
| Net operating income to assets | 0.9695% | 2,587 |
| Return on assets (ROA) | 0.9695% | 2,831 |
| Pretax return on assets | 1.4071% | 2,171 |
| Return on Equity (ROE) | 10.8766% | 2,028 |
| Retained earnings to average equity (ytd only) | 10.8766% | 764 |
| Net charge-offs to loans | -0.0049% | 6,161 |
| Credit loss provision to net charge-offs | -384.6154% | 6,246 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7906% | 4,931 |
| Assets per employee ($millions) | 7.5738% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0944% | 5,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1958% | 6,293 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 66.9687% | 2,467 |
| Net loans and leases to deposits | 79.6707% | 2,428 |
| Net loans and leases to core deposits | 87.3310% | 2,275 |
| Total domestic deposits to total assets | 84.0569% | 4,299 |
| Equity capital to assets | 8.9157% | 5,785 |
| Core capital (leverage) ratio | 8.5754% | 5,551 |
| Tier 1 risk-based capital ratio | 11.9346% | 5,970 |
| Total risk-based capital ratio | 12.9545% | 6,089 |
| Memoranda: | ||
| Average total assets | $787,443,670 | 843 |
| Average earning assets | $747,216,000 | 804 |
| Average equity | $70,187,330 | 1,001 |
| Average total loans | $531,091,670 | 781 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4148% | 4,267 |
| Cost of funding earning assets | 0.4558% | 6,115 |
| Net interest margin | 3.9591% | 2,671 |
| Noninterest income to average assets | 0.0959% | 6,765 |
| Noninterest expense to average assets | 2.4903% | 5,178 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9418% | 2,734 |
| Return on assets (ROA) | 0.9418% | 2,943 |
| Pretax return on assets | 1.3671% | 2,301 |
| Return on Equity (ROE) | 10.5676% | 2,203 |
| Retained earnings to average equity (ytd only) | 10.5676% | 1,151 |
| Net charge-offs to loans | 0.0666% | 3,823 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 30.4828% | 910 |
| Efficiency ratio | 64.5597% | 4,824 |
| Assets per employee ($millions) | 7.9606% | 491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1071% | 5,882 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1974% | 6,394 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 65.0512% | 2,639 |
| Net loans and leases to deposits | 77.1706% | 2,650 |
| Net loans and leases to core deposits | 84.9941% | 2,407 |
| Total domestic deposits to total assets | 84.2953% | 4,367 |
| Equity capital to assets | 8.7177% | 5,851 |
| Core capital (leverage) ratio | 9.0621% | 4,747 |
| Tier 1 risk-based capital ratio | 11.9241% | 6,007 |
| Total risk-based capital ratio | 12.9477% | 6,140 |
| Memoranda: | ||
| Average total assets | $775,969,500 | 855 |
| Average earning assets | $737,242,500 | 819 |
| Average equity | $69,155,000 | 1,013 |
| Average total loans | $522,280,500 | 797 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9428% | 3,141 |
| Cost of funding earning assets | 0.6066% | 6,062 |
| Net interest margin | 4.3362% | 1,584 |
| Noninterest income to average assets | 0.0943% | 6,665 |
| Noninterest expense to average assets | 2.6906% | 4,777 |
| Loan and lease loss provision to assets | 0.1615% | 4,613 |
| Net operating income to assets | 0.9495% | 2,411 |
| Return on assets (ROA) | 0.9561% | 2,514 |
| Pretax return on assets | 1.3417% | 1,976 |
| Return on Equity (ROE) | 11.0970% | 1,667 |
| Retained earnings to average equity (ytd only) | 11.0970% | 389 |
| Net charge-offs to loans | 0.1179% | 5,205 |
| Credit loss provision to net charge-offs | 187.9433% | 1,363 |
| Earnings coverage of net charge-offs (x) | 17.3865% | 1,273 |
| Efficiency ratio | 64.2990% | 5,071 |
| Assets per employee ($millions) | 7.1915% | 659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1523% | 5,618 |
| Loan loss allowance to noncurrent loans | 953.7721% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.3091% | 6,205 |
| Noncurrent loans to loans | 0.1208% | 6,508 |
| Net loans and leases to total assets | 68.1543% | 2,370 |
| Net loans and leases to deposits | 81.8046% | 2,227 |
| Net loans and leases to core deposits | 91.5846% | 1,933 |
| Total domestic deposits to total assets | 83.3136% | 4,619 |
| Equity capital to assets | 9.1210% | 5,388 |
| Core capital (leverage) ratio | 9.5291% | 3,979 |
| Tier 1 risk-based capital ratio | 12.0553% | 5,798 |
| Total risk-based capital ratio | 13.1351% | 5,892 |
| Memoranda: | ||
| Average total assets | $656,402,600 | 987 |
| Average earning assets | $619,158,400 | 953 |
| Average equity | $56,555,600 | 1,200 |
| Average total loans | $478,468,600 | 873 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 2,843 |
| Cost of funding earning assets | 0.6415% | 6,082 |
| Net interest margin | 4.4075% | 1,386 |
| Noninterest income to average assets | 0.1324% | 6,592 |
| Noninterest expense to average assets | 2.7907% | 4,378 |
| Loan and lease loss provision to assets | 0.1736% | 4,298 |
| Net operating income to assets | 0.9632% | 2,468 |
| Return on assets (ROA) | 0.9725% | 2,595 |
| Pretax return on assets | 1.3324% | 2,178 |
| Return on Equity (ROE) | 11.4862% | 1,696 |
| Retained earnings to average equity (ytd only) | 11.4862% | 557 |
| Net charge-offs to loans | 0.1606% | 4,495 |
| Credit loss provision to net charge-offs | 146.0177% | 2,163 |
| Earnings coverage of net charge-offs (x) | 12.5576% | 1,693 |
| Efficiency ratio | 65.1437% | 4,867 |
| Assets per employee ($millions) | 7.2416% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 5,683 |
| Loan loss allowance to noncurrent loans | 488.5274% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 5,373 |
| Noncurrent loans to loans | 0.2353% | 6,403 |
| Net loans and leases to total assets | 71.3325% | 1,844 |
| Net loans and leases to deposits | 87.0453% | 1,551 |
| Net loans and leases to core deposits | 99.3176% | 1,310 |
| Total domestic deposits to total assets | 81.9487% | 5,111 |
| Equity capital to assets | 9.6924% | 4,788 |
| Core capital (leverage) ratio | 9.6906% | 3,865 |
| Tier 1 risk-based capital ratio | 12.3193% | 5,646 |
| Total risk-based capital ratio | 13.4064% | 5,769 |
| Memoranda: | ||
| Average total assets | $633,523,250 | 1,029 |
| Average earning assets | $596,721,500 | 992 |
| Average equity | $53,640,000 | 1,270 |
| Average total loans | $469,165,250 | 904 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1151% | 2,608 |
| Cost of funding earning assets | 0.6776% | 6,084 |
| Net interest margin | 4.4375% | 1,275 |
| Noninterest income to average assets | 0.1164% | 6,750 |
| Noninterest expense to average assets | 2.8922% | 4,051 |
| Loan and lease loss provision to assets | 0.2275% | 3,640 |
| Net operating income to assets | 0.8960% | 2,654 |
| Return on assets (ROA) | 0.8960% | 2,763 |
| Pretax return on assets | 1.1707% | 2,594 |
| Return on Equity (ROE) | 11.1860% | 1,731 |
| Retained earnings to average equity (ytd only) | 11.1860% | 634 |
| Net charge-offs to loans | 0.2282% | 3,757 |
| Credit loss provision to net charge-offs | 133.3333% | 2,288 |
| Earnings coverage of net charge-offs (x) | 8.1943% | 2,100 |
| Efficiency ratio | 67.4116% | 4,625 |
| Assets per employee ($millions) | 6.9507% | 746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 5,705 |
| Loan loss allowance to noncurrent loans | 638.0250% | 547 |
| Noncurrent assets plus other real estate owned to assets | 1.0640% | 4,760 |
| Noncurrent loans to loans | 0.1823% | 6,540 |
| Net loans and leases to total assets | 75.5213% | 1,151 |
| Net loans and leases to deposits | 91.1150% | 1,147 |
| Net loans and leases to core deposits | 109.8850% | 724 |
| Total domestic deposits to total assets | 82.8857% | 4,810 |
| Equity capital to assets | 8.1143% | 6,593 |
| Core capital (leverage) ratio | 7.8578% | 6,452 |
| Tier 1 risk-based capital ratio | 9.7606% | 7,044 |
| Total risk-based capital ratio | 10.8516% | 7,087 |
| Memoranda: | ||
| Average total assets | $615,381,330 | 1,074 |
| Average earning assets | $578,833,330 | 1,034 |
| Average equity | $49,293,670 | 1,373 |
| Average total loans | $460,074,670 | 941 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 2,917 |
| Cost of funding earning assets | 0.6893% | 6,199 |
| Net interest margin | 4.3487% | 1,427 |
| Noninterest income to average assets | 0.1378% | 6,722 |
| Noninterest expense to average assets | 3.0441% | 3,469 |
| Loan and lease loss provision to assets | 0.3461% | 2,490 |
| Net operating income to assets | 0.7376% | 3,333 |
| Return on assets (ROA) | 0.7376% | 3,399 |
| Pretax return on assets | 0.8484% | 3,710 |
| Return on Equity (ROE) | 9.2712% | 2,355 |
| Retained earnings to average equity (ytd only) | 9.2712% | 1,297 |
| Net charge-offs to loans | 0.1044% | 3,911 |
| Credit loss provision to net charge-offs | 448.7179% | 785 |
| Earnings coverage of net charge-offs (x) | 15.4872% | 1,315 |
| Efficiency ratio | 71.8196% | 3,909 |
| Assets per employee ($millions) | 7.2159% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2702% | 5,293 |
| Loan loss allowance to noncurrent loans | 182.9947% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 1.4404% | 4,109 |
| Noncurrent loans to loans | 0.6941% | 5,635 |
| Net loans and leases to total assets | 74.1880% | 1,317 |
| Net loans and leases to deposits | 85.4153% | 1,814 |
| Net loans and leases to core deposits | 102.6458% | 1,154 |
| Total domestic deposits to total assets | 86.8556% | 3,019 |
| Equity capital to assets | 7.9892% | 6,509 |
| Core capital (leverage) ratio | 7.9155% | 6,345 |
| Tier 1 risk-based capital ratio | 9.8396% | 7,057 |
| Total risk-based capital ratio | 11.0249% | 7,076 |
| Memoranda: | ||
| Average total assets | $606,815,500 | 1,099 |
| Average earning assets | $572,214,000 | 1,063 |
| Average equity | $48,278,500 | 1,385 |
| Average total loans | $448,460,500 | 973 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0994% | 4,100 |
| Cost of funding earning assets | 0.8590% | 6,339 |
| Net interest margin | 4.2404% | 2,028 |
| Noninterest income to average assets | 0.1284% | 6,755 |
| Noninterest expense to average assets | 2.8275% | 4,486 |
| Loan and lease loss provision to assets | 0.4523% | 3,411 |
| Net operating income to assets | 0.6237% | 3,568 |
| Return on assets (ROA) | 0.6484% | 3,597 |
| Pretax return on assets | 0.9083% | 3,250 |
| Return on Equity (ROE) | 7.9385% | 2,717 |
| Retained earnings to average equity (ytd only) | 7.9385% | 993 |
| Net charge-offs to loans | 0.2855% | 4,592 |
| Credit loss provision to net charge-offs | 209.5436% | 1,464 |
| Earnings coverage of net charge-offs (x) | 6.1427% | 2,432 |
| Efficiency ratio | 68.0783% | 4,549 |
| Assets per employee ($millions) | 7.1462% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2488% | 5,273 |
| Loan loss allowance to noncurrent loans | 85.1846% | 3,348 |
| Noncurrent assets plus other real estate owned to assets | 1.6782% | 3,782 |
| Noncurrent loans to loans | 1.4659% | 4,285 |
| Net loans and leases to total assets | 71.7314% | 2,158 |
| Net loans and leases to deposits | 82.6332% | 2,691 |
| Net loans and leases to core deposits | 103.0946% | 1,381 |
| Total domestic deposits to total assets | 86.8070% | 2,926 |
| Equity capital to assets | 7.9221% | 6,560 |
| Core capital (leverage) ratio | 7.8364% | 6,392 |
| Tier 1 risk-based capital ratio | 9.7865% | 7,058 |
| Total risk-based capital ratio | 10.9102% | 7,094 |
| Memoranda: | ||
| Average total assets | $558,298,200 | 1,203 |
| Average earning assets | $529,924,000 | 1,154 |
| Average equity | $45,600,600 | 1,470 |
| Average total loans | $422,117,200 | 1,058 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1216% | 4,210 |
| Cost of funding earning assets | 0.8890% | 6,443 |
| Net interest margin | 4.2326% | 2,100 |
| Noninterest income to average assets | 0.1144% | 6,975 |
| Noninterest expense to average assets | 2.8847% | 4,154 |
| Loan and lease loss provision to assets | 0.5172% | 2,871 |
| Net operating income to assets | 0.4924% | 4,348 |
| Return on assets (ROA) | 0.5240% | 4,383 |
| Pretax return on assets | 0.7810% | 3,977 |
| Return on Equity (ROE) | 6.3633% | 3,643 |
| Retained earnings to average equity (ytd only) | 6.3633% | 2,167 |
| Net charge-offs to loans | 0.1567% | 5,063 |
| Credit loss provision to net charge-offs | 431.9106% | 702 |
| Earnings coverage of net charge-offs (x) | 10.4472% | 1,880 |
| Efficiency ratio | 69.7505% | 4,121 |
| Assets per employee ($millions) | 7.5757% | 606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2898% | 5,025 |
| Loan loss allowance to noncurrent loans | 149.3257% | 1,894 |
| Noncurrent assets plus other real estate owned to assets | 1.2694% | 4,604 |
| Noncurrent loans to loans | 0.8637% | 5,498 |
| Net loans and leases to total assets | 72.7116% | 2,071 |
| Net loans and leases to deposits | 84.4405% | 2,634 |
| Net loans and leases to core deposits | 104.1733% | 1,467 |
| Total domestic deposits to total assets | 86.1099% | 3,021 |
| Equity capital to assets | 7.6960% | 6,999 |
| Core capital (leverage) ratio | 7.7737% | 6,600 |
| Tier 1 risk-based capital ratio | 9.5892% | 7,232 |
| Total risk-based capital ratio | 10.7919% | 7,242 |
| Memoranda: | ||
| Average total assets | $547,802,500 | 1,234 |
| Average earning assets | $520,451,000 | 1,187 |
| Average equity | $45,112,000 | 1,488 |
| Average total loans | $418,637,750 | 1,076 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 4,181 |
| Cost of funding earning assets | 0.9276% | 6,473 |
| Net interest margin | 4.2255% | 2,068 |
| Noninterest income to average assets | 0.1287% | 6,949 |
| Noninterest expense to average assets | 2.9335% | 3,946 |
| Loan and lease loss provision to assets | 0.6340% | 2,260 |
| Net operating income to assets | 0.3982% | 4,764 |
| Return on assets (ROA) | 0.4482% | 4,712 |
| Pretax return on assets | 0.6575% | 4,376 |
| Return on Equity (ROE) | 5.3092% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.3092% | 2,722 |
| Net charge-offs to loans | 0.1285% | 4,913 |
| Credit loss provision to net charge-offs | 636.8821% | 575 |
| Earnings coverage of net charge-offs (x) | 12.2357% | 1,693 |
| Efficiency ratio | 70.6601% | 4,047 |
| Assets per employee ($millions) | 6.4034% | 1,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 5,057 |
| Loan loss allowance to noncurrent loans | 78.8777% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 1.5541% | 4,130 |
| Noncurrent loans to loans | 1.6174% | 4,281 |
| Net loans and leases to total assets | 79.6765% | 851 |
| Net loans and leases to deposits | 92.9104% | 1,401 |
| Net loans and leases to core deposits | 118.6686% | 742 |
| Total domestic deposits to total assets | 85.7562% | 3,228 |
| Equity capital to assets | 8.4340% | 6,247 |
| Core capital (leverage) ratio | 8.3234% | 5,715 |
| Tier 1 risk-based capital ratio | 9.9651% | 7,044 |
| Total risk-based capital ratio | 11.1943% | 7,032 |
| Memoranda: | ||
| Average total assets | $528,384,330 | 1,289 |
| Average earning assets | $503,045,330 | 1,243 |
| Average equity | $44,602,000 | 1,491 |
| Average total loans | $409,373,000 | 1,120 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 4,979 |
| Cost of funding earning assets | 0.9328% | 6,647 |
| Net interest margin | 4.0765% | 2,543 |
| Noninterest income to average assets | 0.1406% | 6,973 |
| Noninterest expense to average assets | 2.9593% | 3,818 |
| Loan and lease loss provision to assets | 0.7448% | 1,710 |
| Net operating income to assets | 0.2194% | 5,619 |
| Return on assets (ROA) | 0.3231% | 5,330 |
| Pretax return on assets | 0.4637% | 5,072 |
| Return on Equity (ROE) | 3.8263% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.8263% | 3,842 |
| Net charge-offs to loans | 0.2287% | 3,552 |
| Credit loss provision to net charge-offs | 429.5154% | 964 |
| Earnings coverage of net charge-offs (x) | 6.1145% | 2,280 |
| Efficiency ratio | 73.6222% | 3,631 |
| Assets per employee ($millions) | 6.5034% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 5,605 |
| Loan loss allowance to noncurrent loans | 72.3682% | 3,745 |
| Noncurrent assets plus other real estate owned to assets | 1.4511% | 4,329 |
| Noncurrent loans to loans | 1.6307% | 4,303 |
| Net loans and leases to total assets | 75.6140% | 1,618 |
| Net loans and leases to deposits | 88.5056% | 2,132 |
| Net loans and leases to core deposits | 112.7561% | 1,117 |
| Total domestic deposits to total assets | 85.4341% | 3,446 |
| Equity capital to assets | 8.2395% | 6,381 |
| Core capital (leverage) ratio | 8.8316% | 4,818 |
| Tier 1 risk-based capital ratio | 10.0360% | 7,005 |
| Total risk-based capital ratio | 11.1457% | 7,089 |
| Memoranda: | ||
| Average total assets | $523,634,500 | 1,330 |
| Average earning assets | $498,270,000 | 1,288 |
| Average equity | $44,220,500 | 1,518 |
| Average total loans | $397,007,000 | 1,188 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3154% | 5,101 |
| Cost of funding earning assets | 1.1660% | 6,779 |
| Net interest margin | 4.1495% | 2,250 |
| Noninterest income to average assets | 0.1615% | 6,916 |
| Noninterest expense to average assets | 3.0034% | 4,125 |
| Loan and lease loss provision to assets | 0.5322% | 3,711 |
| Net operating income to assets | 0.3623% | 4,281 |
| Return on assets (ROA) | 0.5390% | 3,658 |
| Pretax return on assets | 0.8208% | 3,184 |
| Return on Equity (ROE) | 5.8185% | 3,289 |
| Retained earnings to average equity (ytd only) | -1.0061% | 5,257 |
| Net charge-offs to loans | 0.3636% | 4,406 |
| Credit loss provision to net charge-offs | 186.0283% | 2,184 |
| Earnings coverage of net charge-offs (x) | 3.7936% | 3,196 |
| Efficiency ratio | 73.4553% | 4,005 |
| Assets per employee ($millions) | 6.2653% | 1,101 |
| Cash dividends to net income (ytd only)* | 117.2917% | 431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0827% | 5,980 |
| Loan loss allowance to noncurrent loans | 92.9263% | 3,006 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 4,993 |
| Noncurrent loans to loans | 1.1651% | 4,997 |
| Net loans and leases to total assets | 74.2609% | 2,214 |
| Net loans and leases to deposits | 87.3896% | 2,664 |
| Net loans and leases to core deposits | 139.9730% | 816 |
| Total domestic deposits to total assets | 84.9768% | 3,557 |
| Equity capital to assets | 8.6634% | 5,637 |
| Core capital (leverage) ratio | 8.8652% | 4,653 |
| Tier 1 risk-based capital ratio | 10.6829% | 6,225 |
| Total risk-based capital ratio | 11.6933% | 6,424 |
| Memoranda: | ||
| Average total assets | $445,295,000 | 1,559 |
| Average earning assets | $421,452,600 | 1,498 |
| Average equity | $41,247,600 | 1,622 |
| Average total loans | $350,385,000 | 1,375 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3546% | 5,152 |
| Cost of funding earning assets | 1.1943% | 6,907 |
| Net interest margin | 4.1603% | 2,173 |
| Noninterest income to average assets | 0.1415% | 7,169 |
| Noninterest expense to average assets | 3.1075% | 3,623 |
| Loan and lease loss provision to assets | 0.5724% | 3,094 |
| Net operating income to assets | 0.2594% | 4,952 |
| Return on assets (ROA) | 0.4998% | 4,076 |
| Pretax return on assets | 0.7642% | 3,648 |
| Return on Equity (ROE) | 5.2947% | 3,840 |
| Retained earnings to average equity (ytd only) | -3.9570% | 6,106 |
| Net charge-offs to loans | 0.4446% | 3,456 |
| Credit loss provision to net charge-offs | 161.4173% | 2,933 |
| Earnings coverage of net charge-offs (x) | 2.7262% | 3,865 |
| Efficiency ratio | 76.2717% | 3,454 |
| Assets per employee ($millions) | 6.0488% | 1,191 |
| Cash dividends to net income (ytd only)* | 174.7359% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 6,129 |
| Loan loss allowance to noncurrent loans | 83.9748% | 3,248 |
| Noncurrent assets plus other real estate owned to assets | 1.2552% | 4,551 |
| Noncurrent loans to loans | 1.2214% | 4,904 |
| Net loans and leases to total assets | 73.4819% | 2,666 |
| Net loans and leases to deposits | 86.6560% | 3,197 |
| Net loans and leases to core deposits | 141.9040% | 838 |
| Total domestic deposits to total assets | 84.7972% | 3,324 |
| Equity capital to assets | 8.7690% | 5,853 |
| Core capital (leverage) ratio | 9.1872% | 4,355 |
| Tier 1 risk-based capital ratio | 10.7509% | 6,208 |
| Total risk-based capital ratio | 11.6885% | 6,488 |
| Memoranda: | ||
| Average total assets | $429,746,500 | 1,625 |
| Average earning assets | $406,241,750 | 1,574 |
| Average equity | $40,568,000 | 1,665 |
| Average total loans | $342,733,500 | 1,426 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4344% | 4,975 |
| Cost of funding earning assets | 1.1855% | 7,148 |
| Net interest margin | 4.2489% | 1,822 |
| Noninterest income to average assets | 0.0962% | 7,500 |
| Noninterest expense to average assets | 3.2430% | 3,177 |
| Loan and lease loss provision to assets | 0.4711% | 3,169 |
| Net operating income to assets | 0.2562% | 5,062 |
| Return on assets (ROA) | 0.4672% | 4,342 |
| Pretax return on assets | 0.7152% | 3,949 |
| Return on Equity (ROE) | 4.8128% | 4,164 |
| Retained earnings to average equity (ytd only) | -9.3439% | 6,804 |
| Net charge-offs to loans | 0.5558% | 2,665 |
| Credit loss provision to net charge-offs | 103.4298% | 4,437 |
| Earnings coverage of net charge-offs (x) | 1.8917% | 4,163 |
| Efficiency ratio | 79.0081% | 3,192 |
| Assets per employee ($millions) | 5.3594% | 1,710 |
| Cash dividends to net income (ytd only)* | 294.1484% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 6,801 |
| Loan loss allowance to noncurrent loans | 47.9637% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 1.8189% | 3,450 |
| Noncurrent loans to loans | 1.8650% | 3,707 |
| Net loans and leases to total assets | 76.2632% | 2,123 |
| Net loans and leases to deposits | 91.4646% | 2,575 |
| Net loans and leases to core deposits | 143.2015% | 876 |
| Total domestic deposits to total assets | 83.3800% | 4,076 |
| Equity capital to assets | 9.4728% | 4,646 |
| Core capital (leverage) ratio | 10.3426% | 2,955 |
| Tier 1 risk-based capital ratio | 11.5557% | 5,327 |
| Total risk-based capital ratio | 12.3966% | 5,643 |
| Memoranda: | ||
| Average total assets | $409,676,670 | 1,714 |
| Average earning assets | $386,503,670 | 1,677 |
| Average equity | $39,769,330 | 1,713 |
| Average total loans | $335,724,670 | 1,485 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6781% | 3,907 |
| Cost of funding earning assets | 1.2202% | 7,248 |
| Net interest margin | 4.4579% | 1,214 |
| Noninterest income to average assets | 0.1081% | 7,491 |
| Noninterest expense to average assets | 3.2512% | 2,793 |
| Loan and lease loss provision to assets | 0.4948% | 2,499 |
| Net operating income to assets | 0.3724% | 4,967 |
| Return on assets (ROA) | 0.5407% | 4,441 |
| Pretax return on assets | 0.8212% | 4,003 |
| Return on Equity (ROE) | 5.4944% | 4,251 |
| Retained earnings to average equity (ytd only) | -23.6880% | 7,737 |
| Net charge-offs to loans | 0.3153% | 2,843 |
| Credit loss provision to net charge-offs | 185.1145% | 2,362 |
| Earnings coverage of net charge-offs (x) | 3.9695% | 3,013 |
| Efficiency ratio | 75.3963% | 3,587 |
| Assets per employee ($millions) | 5.5857% | 1,489 |
| Cash dividends to net income (ytd only)* | 531.1321% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 6,287 |
| Loan loss allowance to noncurrent loans | 1,668.2051% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.4729% | 6,067 |
| Noncurrent loans to loans | 0.0590% | 7,367 |
| Net loans and leases to total assets | 81.4227% | 1,114 |
| Net loans and leases to deposits | 99.5286% | 1,471 |
| Net loans and leases to core deposits | 144.6150% | 911 |
| Total domestic deposits to total assets | 81.8083% | 4,631 |
| Equity capital to assets | 10.4551% | 3,505 |
| Core capital (leverage) ratio | 10.9341% | 2,552 |
| Tier 1 risk-based capital ratio | 11.9301% | 5,018 |
| Total risk-based capital ratio | 12.8628% | 5,200 |
| Memoranda: | ||
| Average total assets | $392,099,000 | 1,793 |
| Average earning assets | $369,774,500 | 1,750 |
| Average equity | $38,585,000 | 1,760 |
| Average total loans | $332,434,500 | 1,512 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6798% | 2,105 |
| Cost of funding earning assets | 1.9798% | 6,472 |
| Net interest margin | 4.7000% | 974 |
| Noninterest income to average assets | 0.0984% | 7,638 |
| Noninterest expense to average assets | 3.3239% | 2,883 |
| Loan and lease loss provision to assets | 0.3893% | 3,353 |
| Net operating income to assets | 0.4763% | 4,844 |
| Return on assets (ROA) | 0.6027% | 4,155 |
| Pretax return on assets | 0.9359% | 3,596 |
| Return on Equity (ROE) | 6.4848% | 3,758 |
| Retained earnings to average equity (ytd only) | 6.4848% | 1,338 |
| Net charge-offs to loans | 0.1982% | 4,212 |
| Credit loss provision to net charge-offs | 236.6788% | 1,997 |
| Earnings coverage of net charge-offs (x) | 6.8558% | 3,253 |
| Efficiency ratio | 74.6679% | 3,467 |
| Assets per employee ($millions) | 5.1626% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 6,636 |
| Loan loss allowance to noncurrent loans | 129.9314% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.6164% | 5,355 |
| Noncurrent loans to loans | 0.6979% | 5,288 |
| Net loans and leases to total assets | 86.6764% | 513 |
| Net loans and leases to deposits | 117.7493% | 450 |
| Net loans and leases to core deposits | 158.8908% | 597 |
| Total domestic deposits to total assets | 73.6110% | 6,715 |
| Equity capital to assets | 9.1938% | 5,090 |
| Core capital (leverage) ratio | 9.3020% | 4,298 |
| Tier 1 risk-based capital ratio | 10.1427% | 6,582 |
| Total risk-based capital ratio | 11.0244% | 6,875 |
| Memoranda: | ||
| Average total assets | $333,164,400 | 2,007 |
| Average earning assets | $308,573,800 | 1,974 |
| Average equity | $30,964,600 | 2,173 |
| Average total loans | $276,469,000 | 1,736 |