Home > Bank of the Wichitas > Performance and Condition Ratios
Bank of the Wichitas, Performance and Condition Ratios
| 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 | 4.5929% | 1,242 |
| Cost of funding earning assets | 0.3731% | 3,613 |
| Net interest margin | 4.2198% | 1,021 |
| Noninterest income to average assets | 1.0943% | 944 |
| Noninterest expense to average assets | 4.1463% | 585 |
| Loan and lease loss provision to assets | 0.0802% | 2,357 |
| Net operating income to assets | 0.8601% | 2,963 |
| Return on assets (ROA) | 0.8601% | 3,079 |
| Pretax return on assets | 0.8601% | 4,023 |
| Return on Equity (ROE) | 10.0866% | 1,968 |
| Retained earnings to average equity (ytd only) | 1.6936% | 4,800 |
| Net charge-offs to loans | 0.0928% | 1,796 |
| Credit loss provision to net charge-offs | 138.8889% | 1,313 |
| Earnings coverage of net charge-offs (x) | 16.2778% | 1,577 |
| Efficiency ratio | 81.5142% | 1,679 |
| Assets per employee ($millions) | 2.2914% | 6,196 |
| Cash dividends to net income (ytd only)* | 83.2090% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5288% | 2,332 |
| Loan loss allowance to noncurrent loans | 3,069.2308% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.1705% | 5,268 |
| Noncurrent loans to loans | 0.0498% | 5,583 |
| Net loans and leases to total assets | 62.3096% | 3,318 |
| Net loans and leases to deposits | 68.5090% | 3,912 |
| Net loans and leases to core deposits | 68.5090% | 4,287 |
| Total domestic deposits to total assets | 90.9510% | 386 |
| Equity capital to assets | 8.6021% | 5,659 |
| Core capital (leverage) ratio | 8.0375% | 5,919 |
| Tier 1 risk-based capital ratio | 9.5522% | 6,267 |
| Total risk-based capital ratio | 10.6635% | 6,264 |
| Memoranda: | ||
| Average total assets | $124,642,000 | 4,089 |
| Average earning assets | $117,921,000 | 4,021 |
| Average equity | $10,628,000 | 4,671 |
| Average total loans | $77,613,500 | 3,975 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4633% | 2,017 |
| Cost of funding earning assets | 0.4500% | 3,173 |
| Net interest margin | 4.0133% | 1,861 |
| Noninterest income to average assets | 1.0095% | 1,192 |
| Noninterest expense to average assets | 3.9258% | 830 |
| Loan and lease loss provision to assets | 0.1621% | 1,621 |
| Net operating income to assets | 0.6716% | 4,025 |
| Return on assets (ROA) | 0.6716% | 4,137 |
| Pretax return on assets | 0.6716% | 4,722 |
| Return on Equity (ROE) | 8.0394% | 3,116 |
| Retained earnings to average equity (ytd only) | 2.4451% | 4,490 |
| Net charge-offs to loans | 0.2490% | 1,723 |
| Credit loss provision to net charge-offs | 116.5714% | 2,049 |
| Earnings coverage of net charge-offs (x) | 5.9943% | 3,298 |
| Efficiency ratio | 82.4816% | 1,607 |
| Assets per employee ($millions) | 2.3688% | 6,239 |
| Cash dividends to net income (ytd only)* | 69.5858% | 1,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5469% | 2,268 |
| Loan loss allowance to noncurrent loans | 3,051.2821% | 233 |
| Noncurrent assets plus other real estate owned to assets | 0.1673% | 5,354 |
| Noncurrent loans to loans | 0.0507% | 5,676 |
| Net loans and leases to total assets | 60.3280% | 3,747 |
| Net loans and leases to deposits | 70.6569% | 3,820 |
| Net loans and leases to core deposits | 70.6569% | 4,258 |
| Total domestic deposits to total assets | 85.3816% | 3,132 |
| Equity capital to assets | 8.4526% | 5,791 |
| Core capital (leverage) ratio | 8.3050% | 5,771 |
| Tier 1 risk-based capital ratio | 10.6117% | 6,059 |
| Total risk-based capital ratio | 11.7936% | 6,027 |
| Memoranda: | ||
| Average total assets | $125,810,000 | 4,068 |
| Average earning assets | $117,559,200 | 4,016 |
| Average equity | $10,510,800 | 4,652 |
| Average total loans | $70,292,200 | 4,177 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 2,107 |
| Cost of funding earning assets | 0.4478% | 3,277 |
| Net interest margin | 3.9848% | 1,926 |
| Noninterest income to average assets | 0.9628% | 1,328 |
| Noninterest expense to average assets | 3.8312% | 928 |
| Loan and lease loss provision to assets | 0.1864% | 1,307 |
| Net operating income to assets | 0.6588% | 4,167 |
| Return on assets (ROA) | 0.6588% | 4,272 |
| Pretax return on assets | 0.6588% | 4,843 |
| Return on Equity (ROE) | 7.9091% | 3,259 |
| Retained earnings to average equity (ytd only) | 3.0517% | 4,446 |
| Net charge-offs to loans | 0.2351% | 1,641 |
| Credit loss provision to net charge-offs | 145.4545% | 1,625 |
| Earnings coverage of net charge-offs (x) | 6.5950% | 3,053 |
| Efficiency ratio | 81.9253% | 1,632 |
| Assets per employee ($millions) | 2.3206% | 6,341 |
| Cash dividends to net income (ytd only)* | 61.4149% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 2,010 |
| Loan loss allowance to noncurrent loans | 1,105.4545% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1409% | 5,622 |
| Noncurrent loans to loans | 0.1527% | 5,449 |
| Net loans and leases to total assets | 58.6930% | 3,976 |
| Net loans and leases to deposits | 66.4927% | 4,278 |
| Net loans and leases to core deposits | 66.4927% | 4,663 |
| Total domestic deposits to total assets | 88.2699% | 1,622 |
| Equity capital to assets | 8.7999% | 5,551 |
| Core capital (leverage) ratio | 8.0159% | 6,056 |
| Tier 1 risk-based capital ratio | 10.9369% | 6,024 |
| Total risk-based capital ratio | 12.1134% | 6,008 |
| Memoranda: | ||
| Average total assets | $125,875,750 | 4,094 |
| Average earning assets | $117,309,000 | 4,049 |
| Average equity | $10,485,500 | 4,691 |
| Average total loans | $68,632,750 | 4,252 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3965% | 2,186 |
| Cost of funding earning assets | 0.4655% | 3,157 |
| Net interest margin | 3.9309% | 2,036 |
| Noninterest income to average assets | 0.7648% | 1,986 |
| Noninterest expense to average assets | 3.6878% | 1,160 |
| Loan and lease loss provision to assets | 0.0643% | 2,985 |
| Net operating income to assets | 0.6520% | 4,086 |
| Return on assets (ROA) | 0.6520% | 4,188 |
| Pretax return on assets | 0.6520% | 4,779 |
| Return on Equity (ROE) | 7.9686% | 3,112 |
| Retained earnings to average equity (ytd only) | 2.8158% | 4,410 |
| Net charge-offs to loans | 0.2222% | 1,704 |
| Credit loss provision to net charge-offs | 54.6667% | 2,720 |
| Earnings coverage of net charge-offs (x) | 6.0933% | 2,824 |
| Efficiency ratio | 83.7367% | 1,545 |
| Assets per employee ($millions) | 2.5510% | 6,256 |
| Cash dividends to net income (ytd only)* | 64.6635% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6172% | 2,400 |
| Loan loss allowance to noncurrent loans | 1,252.2222% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.5646% | 4,294 |
| Noncurrent loans to loans | 0.1291% | 5,625 |
| Net loans and leases to total assets | 51.6871% | 4,777 |
| Net loans and leases to deposits | 59.5791% | 4,900 |
| Net loans and leases to core deposits | 59.5791% | 5,154 |
| Total domestic deposits to total assets | 86.7539% | 2,600 |
| Equity capital to assets | 7.8914% | 6,214 |
| Core capital (leverage) ratio | 8.0424% | 6,066 |
| Tier 1 risk-based capital ratio | 10.4844% | 6,255 |
| Total risk-based capital ratio | 11.6504% | 6,238 |
| Memoranda: | ||
| Average total assets | $127,610,330 | 4,082 |
| Average earning assets | $118,140,330 | 4,057 |
| Average equity | $10,441,000 | 4,719 |
| Average total loans | $67,496,330 | 4,313 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4717% | 1,896 |
| Cost of funding earning assets | 0.4858% | 3,054 |
| Net interest margin | 3.9860% | 1,816 |
| Noninterest income to average assets | 0.6555% | 2,429 |
| Noninterest expense to average assets | 3.5238% | 1,443 |
| Loan and lease loss provision to assets | 0.0480% | 3,132 |
| Net operating income to assets | 0.7834% | 3,235 |
| Return on assets (ROA) | 0.7834% | 3,317 |
| Pretax return on assets | 0.7834% | 4,171 |
| Return on Equity (ROE) | 9.3982% | 2,294 |
| Retained earnings to average equity (ytd only) | 5.3321% | 2,900 |
| Net charge-offs to loans | 0.2952% | 1,179 |
| Credit loss provision to net charge-offs | 30.6122% | 2,389 |
| Earnings coverage of net charge-offs (x) | 5.3061% | 2,390 |
| Efficiency ratio | 80.9104% | 2,065 |
| Assets per employee ($millions) | 2.4035% | 6,420 |
| Cash dividends to net income (ytd only)* | 43.2653% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6929% | 2,375 |
| Loan loss allowance to noncurrent loans | 2,623.2558% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.7857% | 3,778 |
| Noncurrent loans to loans | 0.0645% | 5,955 |
| Net loans and leases to total assets | 52.4104% | 4,628 |
| Net loans and leases to deposits | 57.4316% | 4,994 |
| Net loans and leases to core deposits | 57.4316% | 5,243 |
| Total domestic deposits to total assets | 91.2571% | 464 |
| Equity capital to assets | 8.3909% | 5,750 |
| Core capital (leverage) ratio | 8.0621% | 6,075 |
| Tier 1 risk-based capital ratio | 10.7260% | 6,265 |
| Total risk-based capital ratio | 11.8944% | 6,256 |
| Memoranda: | ||
| Average total assets | $125,090,500 | 4,162 |
| Average earning assets | $116,107,000 | 4,136 |
| Average equity | $10,427,500 | 4,745 |
| Average total loans | $66,399,500 | 4,377 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8752% | 1,144 |
| Cost of funding earning assets | 0.5560% | 3,061 |
| Net interest margin | 4.3193% | 1,063 |
| Noninterest income to average assets | 1.0049% | 1,385 |
| Noninterest expense to average assets | 3.6766% | 1,321 |
| Loan and lease loss provision to assets | -0.1710% | 6,570 |
| Net operating income to assets | 1.4598% | 893 |
| Return on assets (ROA) | 1.4598% | 939 |
| Pretax return on assets | 1.4598% | 1,583 |
| Return on Equity (ROE) | 16.7477% | 532 |
| Retained earnings to average equity (ytd only) | -4.6094% | 6,346 |
| Net charge-offs to loans | -0.3175% | 6,681 |
| Credit loss provision to net charge-offs | 102.9557% | 2,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9947% | 3,129 |
| Assets per employee ($millions) | 2.5040% | 6,402 |
| Cash dividends to net income (ytd only)* | 127.5224% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7546% | 2,222 |
| Loan loss allowance to noncurrent loans | 2,764.2857% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.7716% | 3,964 |
| Noncurrent loans to loans | 0.0635% | 6,032 |
| Net loans and leases to total assets | 51.9225% | 4,865 |
| Net loans and leases to deposits | 59.9121% | 4,944 |
| Net loans and leases to core deposits | 59.9121% | 5,228 |
| Total domestic deposits to total assets | 86.6645% | 2,895 |
| Equity capital to assets | 8.2812% | 5,790 |
| Core capital (leverage) ratio | 7.9874% | 6,144 |
| Tier 1 risk-based capital ratio | 10.5252% | 6,357 |
| Total risk-based capital ratio | 11.6918% | 6,339 |
| Memoranda: | ||
| Average total assets | $122,204,600 | 4,233 |
| Average earning assets | $112,055,800 | 4,221 |
| Average equity | $10,652,200 | 4,711 |
| Average total loans | $63,927,600 | 4,486 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9770% | 984 |
| Cost of funding earning assets | 0.5756% | 3,038 |
| Net interest margin | 4.4013% | 891 |
| Noninterest income to average assets | 1.0572% | 1,309 |
| Noninterest expense to average assets | 3.5853% | 1,428 |
| Loan and lease loss provision to assets | -0.2722% | 6,762 |
| Net operating income to assets | 1.7729% | 553 |
| Return on assets (ROA) | 1.7729% | 583 |
| Pretax return on assets | 1.7729% | 955 |
| Return on Equity (ROE) | 20.0805% | 293 |
| Retained earnings to average equity (ytd only) | -2.4867% | 6,311 |
| Net charge-offs to loans | -0.5365% | 6,786 |
| Credit loss provision to net charge-offs | 97.2549% | 2,460 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4295% | 3,683 |
| Assets per employee ($millions) | 2.4809% | 6,497 |
| Cash dividends to net income (ytd only)* | 112.3839% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8984% | 2,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 4,157 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 48.9064% | 5,257 |
| Net loans and leases to deposits | 56.1369% | 5,369 |
| Net loans and leases to core deposits | 56.1369% | 5,612 |
| Total domestic deposits to total assets | 87.1200% | 2,624 |
| Equity capital to assets | 8.6396% | 5,579 |
| Core capital (leverage) ratio | 8.2016% | 6,057 |
| Tier 1 risk-based capital ratio | 11.0802% | 6,243 |
| Total risk-based capital ratio | 12.2348% | 6,253 |
| Memoranda: | ||
| Average total assets | $121,455,750 | 4,287 |
| Average earning assets | $111,175,750 | 4,279 |
| Average equity | $10,723,250 | 4,752 |
| Average total loans | $63,367,500 | 4,545 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0307% | 867 |
| Cost of funding earning assets | 0.5945% | 2,987 |
| Net interest margin | 4.4361% | 794 |
| Noninterest income to average assets | 1.0896% | 1,289 |
| Noninterest expense to average assets | 3.5077% | 1,588 |
| Loan and lease loss provision to assets | 0.0962% | 3,186 |
| Net operating income to assets | 1.5324% | 848 |
| Return on assets (ROA) | 1.5324% | 915 |
| Pretax return on assets | 1.5324% | 1,531 |
| Return on Equity (ROE) | 17.2302% | 537 |
| Retained earnings to average equity (ytd only) | -8.2795% | 6,621 |
| Net charge-offs to loans | 0.1472% | 2,930 |
| Credit loss provision to net charge-offs | 123.4043% | 1,818 |
| Earnings coverage of net charge-offs (x) | 20.8936% | 1,437 |
| Efficiency ratio | 68.1950% | 4,148 |
| Assets per employee ($millions) | 2.4202% | 6,564 |
| Cash dividends to net income (ytd only)* | 148.0519% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8983% | 2,118 |
| Loan loss allowance to noncurrent loans | 261.1973% | 1,586 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 3,684 |
| Noncurrent loans to loans | 0.7268% | 4,473 |
| Net loans and leases to total assets | 50.3074% | 5,074 |
| Net loans and leases to deposits | 55.3456% | 5,404 |
| Net loans and leases to core deposits | 55.3456% | 5,651 |
| Total domestic deposits to total assets | 90.8968% | 581 |
| Equity capital to assets | 8.6702% | 5,591 |
| Core capital (leverage) ratio | 8.1934% | 6,017 |
| Tier 1 risk-based capital ratio | 10.7110% | 6,444 |
| Total risk-based capital ratio | 11.8575% | 6,446 |
| Memoranda: | ||
| Average total assets | $120,592,670 | 4,332 |
| Average earning assets | $110,005,330 | 4,339 |
| Average equity | $10,725,330 | 4,788 |
| Average total loans | $63,876,670 | 4,543 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1818% | 622 |
| Cost of funding earning assets | 0.6195% | 2,926 |
| Net interest margin | 4.5623% | 605 |
| Noninterest income to average assets | 1.0035% | 1,450 |
| Noninterest expense to average assets | 3.5088% | 1,604 |
| Loan and lease loss provision to assets | 0.0665% | 3,528 |
| Net operating income to assets | 1.5883% | 723 |
| Return on assets (ROA) | 1.5883% | 781 |
| Pretax return on assets | 1.5883% | 1,329 |
| Return on Equity (ROE) | 17.6351% | 461 |
| Retained earnings to average equity (ytd only) | -15.1633% | 6,746 |
| Net charge-offs to loans | 0.1667% | 2,403 |
| Credit loss provision to net charge-offs | 74.0741% | 2,241 |
| Earnings coverage of net charge-offs (x) | 18.4444% | 1,265 |
| Efficiency ratio | 67.7606% | 4,356 |
| Assets per employee ($millions) | 2.4098% | 6,653 |
| Cash dividends to net income (ytd only)* | 185.9833% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8205% | 2,548 |
| Loan loss allowance to noncurrent loans | 264.4647% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 1.4134% | 3,153 |
| Noncurrent loans to loans | 0.6884% | 4,749 |
| Net loans and leases to total assets | 51.9632% | 4,710 |
| Net loans and leases to deposits | 57.1863% | 5,117 |
| Net loans and leases to core deposits | 57.1863% | 5,422 |
| Total domestic deposits to total assets | 90.8665% | 582 |
| Equity capital to assets | 8.7658% | 5,739 |
| Core capital (leverage) ratio | 8.2449% | 5,885 |
| Tier 1 risk-based capital ratio | 10.6201% | 6,547 |
| Total risk-based capital ratio | 11.7731% | 6,548 |
| Memoranda: | ||
| Average total assets | $120,383,000 | 4,394 |
| Average earning assets | $109,768,500 | 4,376 |
| Average equity | $10,842,000 | 4,800 |
| Average total loans | $64,787,000 | 4,533 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3686% | 809 |
| Cost of funding earning assets | 0.6735% | 3,705 |
| Net interest margin | 4.6951% | 657 |
| Noninterest income to average assets | 1.4236% | 773 |
| Noninterest expense to average assets | 3.5963% | 1,619 |
| Loan and lease loss provision to assets | 0.2703% | 2,487 |
| Net operating income to assets | 1.8454% | 477 |
| Return on assets (ROA) | 1.8454% | 533 |
| Pretax return on assets | 1.8454% | 843 |
| Return on Equity (ROE) | 21.1800% | 254 |
| Retained earnings to average equity (ytd only) | 3.4886% | 3,763 |
| Net charge-offs to loans | 0.4352% | 2,494 |
| Credit loss provision to net charge-offs | 117.4216% | 2,452 |
| Earnings coverage of net charge-offs (x) | 9.1916% | 2,293 |
| Efficiency ratio | 62.7773% | 5,122 |
| Assets per employee ($millions) | 2.3130% | 6,767 |
| Cash dividends to net income (ytd only)* | 83.5289% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7735% | 2,675 |
| Loan loss allowance to noncurrent loans | 438.7218% | 914 |
| Noncurrent assets plus other real estate owned to assets | 1.2106% | 3,640 |
| Noncurrent loans to loans | 0.4042% | 5,477 |
| Net loans and leases to total assets | 53.7393% | 4,653 |
| Net loans and leases to deposits | 61.6270% | 4,824 |
| Net loans and leases to core deposits | 61.6270% | 5,199 |
| Total domestic deposits to total assets | 87.2010% | 2,703 |
| Equity capital to assets | 9.2471% | 5,212 |
| Core capital (leverage) ratio | 8.6620% | 5,378 |
| Tier 1 risk-based capital ratio | 10.7191% | 6,463 |
| Total risk-based capital ratio | 11.8611% | 6,474 |
| Memoranda: | ||
| Average total assets | $124,685,200 | 4,260 |
| Average earning assets | $113,884,800 | 4,251 |
| Average equity | $10,864,000 | 4,789 |
| Average total loans | $65,946,600 | 4,507 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1468% | 1,307 |
| Cost of funding earning assets | 0.6865% | 3,893 |
| Net interest margin | 4.4602% | 1,073 |
| Noninterest income to average assets | 1.3620% | 802 |
| Noninterest expense to average assets | 3.6802% | 1,396 |
| Loan and lease loss provision to assets | 0.2629% | 2,472 |
| Net operating income to assets | 1.4956% | 1,025 |
| Return on assets (ROA) | 1.4956% | 1,143 |
| Pretax return on assets | 1.4956% | 1,897 |
| Return on Equity (ROE) | 17.4202% | 562 |
| Retained earnings to average equity (ytd only) | -1.8025% | 6,372 |
| Net charge-offs to loans | 0.2708% | 3,103 |
| Credit loss provision to net charge-offs | 185.0746% | 1,498 |
| Earnings coverage of net charge-offs (x) | 12.3807% | 2,006 |
| Efficiency ratio | 67.4722% | 4,183 |
| Assets per employee ($millions) | 2.3561% | 6,821 |
| Cash dividends to net income (ytd only)* | 110.3472% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8713% | 2,575 |
| Loan loss allowance to noncurrent loans | 50.1834% | 5,117 |
| Noncurrent assets plus other real estate owned to assets | 3.1016% | 1,675 |
| Noncurrent loans to loans | 3.7289% | 1,430 |
| Net loans and leases to total assets | 52.6873% | 4,957 |
| Net loans and leases to deposits | 62.2500% | 4,941 |
| Net loans and leases to core deposits | 62.2500% | 5,334 |
| Total domestic deposits to total assets | 84.6383% | 3,918 |
| Equity capital to assets | 8.7040% | 6,098 |
| Core capital (leverage) ratio | 8.0327% | 6,296 |
| Tier 1 risk-based capital ratio | 10.1898% | 6,754 |
| Total risk-based capital ratio | 11.3382% | 6,753 |
| Memoranda: | ||
| Average total assets | $125,787,750 | 4,276 |
| Average earning assets | $114,969,000 | 4,266 |
| Average equity | $10,799,500 | 4,848 |
| Average total loans | $65,982,750 | 4,550 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 1,039 |
| Cost of funding earning assets | 0.7035% | 3,989 |
| Net interest margin | 4.6055% | 821 |
| Noninterest income to average assets | 1.2879% | 855 |
| Noninterest expense to average assets | 3.5830% | 1,614 |
| Loan and lease loss provision to assets | 0.2664% | 2,450 |
| Net operating income to assets | 1.6488% | 757 |
| Return on assets (ROA) | 1.6488% | 844 |
| Pretax return on assets | 1.6488% | 1,404 |
| Return on Equity (ROE) | 19.2906% | 396 |
| Retained earnings to average equity (ytd only) | 0.7192% | 5,772 |
| Net charge-offs to loans | 0.2756% | 2,938 |
| Credit loss provision to net charge-offs | 185.7143% | 1,524 |
| Earnings coverage of net charge-offs (x) | 13.3516% | 1,800 |
| Efficiency ratio | 64.9943% | 4,723 |
| Assets per employee ($millions) | 2.2542% | 6,948 |
| Cash dividends to net income (ytd only)* | 96.2715% | 493 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 2,750 |
| Loan loss allowance to noncurrent loans | 47.4018% | 5,261 |
| Noncurrent assets plus other real estate owned to assets | 2.8311% | 1,944 |
| Noncurrent loans to loans | 3.8664% | 1,442 |
| Net loans and leases to total assets | 51.6265% | 5,145 |
| Net loans and leases to deposits | 59.0242% | 5,337 |
| Net loans and leases to core deposits | 59.0242% | 5,690 |
| Total domestic deposits to total assets | 87.4666% | 2,490 |
| Equity capital to assets | 8.7271% | 5,997 |
| Core capital (leverage) ratio | 7.9638% | 6,312 |
| Tier 1 risk-based capital ratio | 10.6491% | 6,641 |
| Total risk-based capital ratio | 11.8235% | 6,656 |
| Memoranda: | ||
| Average total assets | $126,877,330 | 4,270 |
| Average earning assets | $115,991,670 | 4,274 |
| Average equity | $10,844,670 | 4,848 |
| Average total loans | $66,049,330 | 4,561 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2221% | 1,270 |
| Cost of funding earning assets | 0.6994% | 4,283 |
| Net interest margin | 4.5226% | 971 |
| Noninterest income to average assets | 1.1003% | 1,170 |
| Noninterest expense to average assets | 3.4163% | 1,968 |
| Loan and lease loss provision to assets | 0.2868% | 2,169 |
| Net operating income to assets | 1.5492% | 943 |
| Return on assets (ROA) | 1.5492% | 1,056 |
| Pretax return on assets | 1.5492% | 1,742 |
| Return on Equity (ROE) | 18.3108% | 517 |
| Retained earnings to average equity (ytd only) | -0.4790% | 6,077 |
| Net charge-offs to loans | 0.1685% | 3,077 |
| Credit loss provision to net charge-offs | 328.5714% | 914 |
| Earnings coverage of net charge-offs (x) | 21.0357% | 1,169 |
| Efficiency ratio | 64.8665% | 4,767 |
| Assets per employee ($millions) | 2.3534% | 6,956 |
| Cash dividends to net income (ytd only)* | 102.6157% | 528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7718% | 3,085 |
| Loan loss allowance to noncurrent loans | 42.5586% | 5,473 |
| Noncurrent assets plus other real estate owned to assets | 2.7854% | 2,105 |
| Noncurrent loans to loans | 4.1632% | 1,451 |
| Net loans and leases to total assets | 49.6806% | 5,350 |
| Net loans and leases to deposits | 54.3591% | 5,775 |
| Net loans and leases to core deposits | 59.2808% | 5,599 |
| Total domestic deposits to total assets | 91.3933% | 407 |
| Equity capital to assets | 8.1955% | 6,361 |
| Core capital (leverage) ratio | 7.6925% | 6,496 |
| Tier 1 risk-based capital ratio | 9.7989% | 6,918 |
| Total risk-based capital ratio | 10.9245% | 6,935 |
| Memoranda: | ||
| Average total assets | $128,325,500 | 4,273 |
| Average earning assets | $117,808,000 | 4,255 |
| Average equity | $10,857,000 | 4,850 |
| Average total loans | $66,473,000 | 4,570 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9035% | 515 |
| Cost of funding earning assets | 1.0244% | 3,205 |
| Net interest margin | 4.8791% | 533 |
| Noninterest income to average assets | 1.0510% | 1,216 |
| Noninterest expense to average assets | 3.5261% | 1,922 |
| Loan and lease loss provision to assets | 0.4321% | 2,441 |
| Net operating income to assets | 1.5632% | 727 |
| Return on assets (ROA) | 1.5632% | 782 |
| Pretax return on assets | 1.5632% | 1,298 |
| Return on Equity (ROE) | 17.5723% | 419 |
| Retained earnings to average equity (ytd only) | 0.2092% | 5,741 |
| Net charge-offs to loans | 0.5581% | 2,786 |
| Credit loss provision to net charge-offs | 138.3420% | 2,137 |
| Earnings coverage of net charge-offs (x) | 6.3886% | 2,529 |
| Efficiency ratio | 63.6723% | 5,183 |
| Assets per employee ($millions) | 2.3558% | 6,960 |
| Cash dividends to net income (ytd only)* | 98.8095% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 3,253 |
| Loan loss allowance to noncurrent loans | 45.7038% | 5,267 |
| Noncurrent assets plus other real estate owned to assets | 2.3707% | 2,554 |
| Noncurrent loans to loans | 3.6868% | 1,712 |
| Net loans and leases to total assets | 52.1973% | 5,284 |
| Net loans and leases to deposits | 60.6802% | 5,413 |
| Net loans and leases to core deposits | 60.6802% | 5,787 |
| Total domestic deposits to total assets | 86.0202% | 3,314 |
| Equity capital to assets | 8.7403% | 5,857 |
| Core capital (leverage) ratio | 8.2624% | 5,904 |
| Tier 1 risk-based capital ratio | 10.4057% | 6,729 |
| Total risk-based capital ratio | 11.5584% | 6,742 |
| Memoranda: | ||
| Average total assets | $123,593,000 | 4,300 |
| Average earning assets | $113,237,200 | 4,304 |
| Average equity | $10,994,600 | 4,779 |
| Average total loans | $69,159,800 | 4,526 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0632% | 414 |
| Cost of funding earning assets | 1.1056% | 2,938 |
| Net interest margin | 4.9576% | 453 |
| Noninterest income to average assets | 1.0394% | 1,249 |
| Noninterest expense to average assets | 3.5756% | 1,766 |
| Loan and lease loss provision to assets | 0.4661% | 2,122 |
| Net operating income to assets | 1.5369% | 872 |
| Return on assets (ROA) | 1.5369% | 941 |
| Pretax return on assets | 1.5369% | 1,554 |
| Return on Equity (ROE) | 17.2004% | 547 |
| Retained earnings to average equity (ytd only) | 0.5568% | 5,791 |
| Net charge-offs to loans | 0.6029% | 2,445 |
| Credit loss provision to net charge-offs | 136.3924% | 2,335 |
| Earnings coverage of net charge-offs (x) | 5.8608% | 2,680 |
| Efficiency ratio | 63.9007% | 5,089 |
| Assets per employee ($millions) | 2.2247% | 7,130 |
| Cash dividends to net income (ytd only)* | 96.7629% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 3,449 |
| Loan loss allowance to noncurrent loans | 50.8197% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 2.2616% | 2,828 |
| Noncurrent loans to loans | 3.2462% | 2,135 |
| Net loans and leases to total assets | 53.8436% | 5,186 |
| Net loans and leases to deposits | 59.9735% | 5,634 |
| Net loans and leases to core deposits | 59.9735% | 5,997 |
| Total domestic deposits to total assets | 89.7790% | 990 |
| Equity capital to assets | 9.1472% | 5,588 |
| Core capital (leverage) ratio | 8.2288% | 6,093 |
| Tier 1 risk-based capital ratio | 10.9783% | 6,552 |
| Total risk-based capital ratio | 12.1356% | 6,592 |
| Memoranda: | ||
| Average total assets | $123,276,500 | 4,335 |
| Average earning assets | $112,874,000 | 4,332 |
| Average equity | $11,015,000 | 4,799 |
| Average total loans | $69,877,250 | 4,531 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0889% | 397 |
| Cost of funding earning assets | 1.1757% | 2,736 |
| Net interest margin | 4.9132% | 475 |
| Noninterest income to average assets | 1.0408% | 1,218 |
| Noninterest expense to average assets | 3.6003% | 1,742 |
| Loan and lease loss provision to assets | 0.5244% | 1,871 |
| Net operating income to assets | 1.4269% | 1,031 |
| Return on assets (ROA) | 1.4269% | 1,093 |
| Pretax return on assets | 1.4269% | 1,736 |
| Return on Equity (ROE) | 16.0926% | 661 |
| Retained earnings to average equity (ytd only) | 1.7236% | 5,133 |
| Net charge-offs to loans | 0.7720% | 1,957 |
| Credit loss provision to net charge-offs | 118.5455% | 2,593 |
| Earnings coverage of net charge-offs (x) | 4.4109% | 2,864 |
| Efficiency ratio | 64.6769% | 5,111 |
| Assets per employee ($millions) | 2.3116% | 7,109 |
| Cash dividends to net income (ytd only)* | 89.2897% | 613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4899% | 4,177 |
| Loan loss allowance to noncurrent loans | 53.4872% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 1.9619% | 3,287 |
| Noncurrent loans to loans | 2.7856% | 2,611 |
| Net loans and leases to total assets | 54.0251% | 5,293 |
| Net loans and leases to deposits | 59.4166% | 5,786 |
| Net loans and leases to core deposits | 60.5801% | 6,044 |
| Total domestic deposits to total assets | 90.9260% | 522 |
| Equity capital to assets | 8.8938% | 5,712 |
| Core capital (leverage) ratio | 8.0526% | 6,232 |
| Tier 1 risk-based capital ratio | 11.5566% | 6,124 |
| Total risk-based capital ratio | 12.7182% | 6,180 |
| Memoranda: | ||
| Average total assets | $124,323,670 | 4,337 |
| Average earning assets | $114,142,000 | 4,330 |
| Average equity | $11,023,670 | 4,799 |
| Average total loans | $71,246,330 | 4,529 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2488% | 309 |
| Cost of funding earning assets | 1.2505% | 2,500 |
| Net interest margin | 4.9984% | 384 |
| Noninterest income to average assets | 1.0639% | 1,161 |
| Noninterest expense to average assets | 3.9042% | 1,169 |
| Loan and lease loss provision to assets | 0.7770% | 1,097 |
| Net operating income to assets | 0.9833% | 2,235 |
| Return on assets (ROA) | 0.9833% | 2,290 |
| Pretax return on assets | 0.9833% | 3,186 |
| Return on Equity (ROE) | 11.1066% | 1,705 |
| Retained earnings to average equity (ytd only) | -6.6639% | 6,647 |
| Net charge-offs to loans | 1.0958% | 1,258 |
| Credit loss provision to net charge-offs | 121.1055% | 2,256 |
| Earnings coverage of net charge-offs (x) | 2.7437% | 2,986 |
| Efficiency ratio | 68.7536% | 4,516 |
| Assets per employee ($millions) | 2.3178% | 7,171 |
| Cash dividends to net income (ytd only)* | 160.0000% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 4,609 |
| Loan loss allowance to noncurrent loans | 47.4203% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 1.9327% | 3,394 |
| Noncurrent loans to loans | 2.9746% | 2,525 |
| Net loans and leases to total assets | 56.4568% | 4,919 |
| Net loans and leases to deposits | 62.1186% | 5,483 |
| Net loans and leases to core deposits | 63.3323% | 5,802 |
| Total domestic deposits to total assets | 90.8855% | 684 |
| Equity capital to assets | 8.6447% | 5,724 |
| Core capital (leverage) ratio | 7.8792% | 6,386 |
| Tier 1 risk-based capital ratio | 10.1181% | 6,964 |
| Total risk-based capital ratio | 11.1547% | 7,040 |
| Memoranda: | ||
| Average total assets | $124,071,000 | 4,373 |
| Average earning assets | $114,197,500 | 4,349 |
| Average equity | $10,984,500 | 4,805 |
| Average total loans | $72,640,000 | 4,531 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6042% | 280 |
| Cost of funding earning assets | 1.3619% | 3,502 |
| Net interest margin | 5.2423% | 263 |
| Noninterest income to average assets | 1.3588% | 795 |
| Noninterest expense to average assets | 3.7553% | 1,578 |
| Loan and lease loss provision to assets | 0.2901% | 4,477 |
| Net operating income to assets | 2.1317% | 219 |
| Return on assets (ROA) | 2.1317% | 230 |
| Pretax return on assets | 2.1317% | 368 |
| Return on Equity (ROE) | 22.1192% | 160 |
| Retained earnings to average equity (ytd only) | -3.0267% | 6,100 |
| Net charge-offs to loans | 0.4172% | 3,949 |
| Credit loss provision to net charge-offs | 116.7763% | 3,670 |
| Earnings coverage of net charge-offs (x) | 9.7500% | 1,789 |
| Efficiency ratio | 60.6217% | 5,948 |
| Assets per employee ($millions) | 2.2774% | 7,236 |
| Cash dividends to net income (ytd only)* | 113.6834% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3165% | 4,914 |
| Loan loss allowance to noncurrent loans | 41.0593% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 2.4533% | 2,820 |
| Noncurrent loans to loans | 3.2063% | 2,371 |
| Net loans and leases to total assets | 59.0646% | 4,833 |
| Net loans and leases to deposits | 69.1834% | 4,936 |
| Net loans and leases to core deposits | 70.6806% | 5,378 |
| Total domestic deposits to total assets | 85.3739% | 3,681 |
| Equity capital to assets | 9.0658% | 5,051 |
| Core capital (leverage) ratio | 8.1452% | 5,917 |
| Tier 1 risk-based capital ratio | 10.0615% | 6,952 |
| Total risk-based capital ratio | 11.0319% | 7,056 |
| Memoranda: | ||
| Average total assets | $122,388,600 | 4,438 |
| Average earning assets | $112,489,600 | 4,411 |
| Average equity | $11,795,200 | 4,673 |
| Average total loans | $72,867,800 | 4,575 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6908% | 247 |
| Cost of funding earning assets | 1.3713% | 3,771 |
| Net interest margin | 5.3194% | 232 |
| Noninterest income to average assets | 1.2980% | 819 |
| Noninterest expense to average assets | 3.6190% | 1,747 |
| Loan and lease loss provision to assets | 0.1691% | 5,351 |
| Net operating income to assets | 2.4050% | 166 |
| Return on assets (ROA) | 2.4050% | 170 |
| Pretax return on assets | 2.4050% | 269 |
| Return on Equity (ROE) | 24.5880% | 129 |
| Retained earnings to average equity (ytd only) | -2.2079% | 6,238 |
| Net charge-offs to loans | 0.1779% | 4,887 |
| Credit loss provision to net charge-offs | 159.7938% | 2,371 |
| Earnings coverage of net charge-offs (x) | 24.3299% | 1,033 |
| Efficiency ratio | 58.2600% | 6,229 |
| Assets per employee ($millions) | 2.2947% | 7,310 |
| Cash dividends to net income (ytd only)* | 108.9795% | 285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3278% | 4,809 |
| Loan loss allowance to noncurrent loans | 42.2810% | 5,472 |
| Noncurrent assets plus other real estate owned to assets | 2.3460% | 3,027 |
| Noncurrent loans to loans | 3.1405% | 2,540 |
| Net loans and leases to total assets | 58.4699% | 5,188 |
| Net loans and leases to deposits | 69.1748% | 5,251 |
| Net loans and leases to core deposits | 71.2181% | 5,610 |
| Total domestic deposits to total assets | 84.5249% | 3,859 |
| Equity capital to assets | 9.3903% | 5,001 |
| Core capital (leverage) ratio | 8.1997% | 6,040 |
| Tier 1 risk-based capital ratio | 10.3202% | 6,886 |
| Total risk-based capital ratio | 11.3065% | 7,018 |
| Memoranda: | ||
| Average total assets | $122,241,000 | 4,501 |
| Average earning assets | $112,490,500 | 4,473 |
| Average equity | $11,956,750 | 4,689 |
| Average total loans | $72,683,250 | 4,647 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8526% | 189 |
| Cost of funding earning assets | 1.3694% | 4,063 |
| Net interest margin | 5.4832% | 177 |
| Noninterest income to average assets | 1.2196% | 870 |
| Noninterest expense to average assets | 3.5338% | 1,948 |
| Loan and lease loss provision to assets | 0.1660% | 5,225 |
| Net operating income to assets | 2.5608% | 130 |
| Return on assets (ROA) | 2.5608% | 132 |
| Pretax return on assets | 2.5608% | 213 |
| Return on Equity (ROE) | 25.8296% | 108 |
| Retained earnings to average equity (ytd only) | -1.1937% | 6,012 |
| Net charge-offs to loans | 0.1408% | 4,824 |
| Credit loss provision to net charge-offs | 198.0392% | 1,993 |
| Earnings coverage of net charge-offs (x) | 32.5294% | 865 |
| Efficiency ratio | 56.2877% | 6,605 |
| Assets per employee ($millions) | 2.2687% | 7,386 |
| Cash dividends to net income (ytd only)* | 104.6213% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3642% | 4,603 |
| Loan loss allowance to noncurrent loans | 437.5566% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.6089% | 5,967 |
| Noncurrent loans to loans | 0.3118% | 6,604 |
| Net loans and leases to total assets | 57.0713% | 5,552 |
| Net loans and leases to deposits | 67.1643% | 5,660 |
| Net loans and leases to core deposits | 68.7668% | 5,991 |
| Total domestic deposits to total assets | 84.9727% | 3,642 |
| Equity capital to assets | 9.7445% | 4,345 |
| Core capital (leverage) ratio | 8.5177% | 5,376 |
| Tier 1 risk-based capital ratio | 11.3179% | 5,927 |
| Total risk-based capital ratio | 12.3779% | 6,102 |
| Memoranda: | ||
| Average total assets | $121,683,000 | 4,533 |
| Average earning assets | $111,870,000 | 4,513 |
| Average equity | $12,063,670 | 4,663 |
| Average total loans | $72,435,000 | 4,696 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1064% | 146 |
| Cost of funding earning assets | 1.3304% | 4,623 |
| Net interest margin | 5.7760% | 131 |
| Noninterest income to average assets | 1.0621% | 1,126 |
| Noninterest expense to average assets | 3.6844% | 1,545 |
| Loan and lease loss provision to assets | 0.0693% | 5,944 |
| Net operating income to assets | 2.5926% | 129 |
| Return on assets (ROA) | 2.5926% | 138 |
| Pretax return on assets | 2.5926% | 216 |
| Return on Equity (ROE) | 25.9267% | 137 |
| Retained earnings to average equity (ytd only) | -1.9132% | 6,201 |
| Net charge-offs to loans | 0.1803% | 3,840 |
| Credit loss provision to net charge-offs | 63.6364% | 4,234 |
| Earnings coverage of net charge-offs (x) | 24.4545% | 1,015 |
| Efficiency ratio | 57.9002% | 6,500 |
| Assets per employee ($millions) | 2.2279% | 7,521 |
| Cash dividends to net income (ytd only)* | 107.3791% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 5,258 |
| Loan loss allowance to noncurrent loans | 373.9669% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.8304% | 5,496 |
| Noncurrent loans to loans | 0.3326% | 6,631 |
| Net loans and leases to total assets | 59.7300% | 5,162 |
| Net loans and leases to deposits | 71.7818% | 5,084 |
| Net loans and leases to core deposits | 72.9476% | 5,614 |
| Total domestic deposits to total assets | 83.2106% | 4,517 |
| Equity capital to assets | 10.0658% | 3,782 |
| Core capital (leverage) ratio | 8.3880% | 5,585 |
| Tier 1 risk-based capital ratio | 11.2556% | 5,896 |
| Total risk-based capital ratio | 12.2411% | 6,134 |
| Memoranda: | ||
| Average total assets | $121,269,500 | 4,597 |
| Average earning assets | $110,941,500 | 4,584 |
| Average equity | $12,126,500 | 4,684 |
| Average total loans | $73,210,000 | 4,740 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7426% | 97 |
| Cost of funding earning assets | 1.5496% | 5,282 |
| Net interest margin | 6.1930% | 97 |
| Noninterest income to average assets | 1.1503% | 1,163 |
| Noninterest expense to average assets | 3.7431% | 1,816 |
| Loan and lease loss provision to assets | 0.4448% | 4,161 |
| Net operating income to assets | 2.6183% | 79 |
| Return on assets (ROA) | 2.6183% | 83 |
| Pretax return on assets | 2.6183% | 138 |
| Return on Equity (ROE) | 29.1985% | 54 |
| Retained earnings to average equity (ytd only) | 4.2882% | 2,225 |
| Net charge-offs to loans | 0.2862% | 4,840 |
| Credit loss provision to net charge-offs | 260.3865% | 1,347 |
| Earnings coverage of net charge-offs (x) | 17.9324% | 1,160 |
| Efficiency ratio | 54.8375% | 7,149 |
| Assets per employee ($millions) | 2.1827% | 7,585 |
| Cash dividends to net income (ytd only)* | 85.3136% | 992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 5,091 |
| Loan loss allowance to noncurrent loans | 456.2189% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.8525% | 5,402 |
| Noncurrent loans to loans | 0.2729% | 6,747 |
| Net loans and leases to total assets | 59.5086% | 5,415 |
| Net loans and leases to deposits | 78.5092% | 4,273 |
| Net loans and leases to core deposits | 91.4242% | 4,959 |
| Total domestic deposits to total assets | 75.7983% | 6,718 |
| Equity capital to assets | 9.9345% | 3,857 |
| Core capital (leverage) ratio | 8.4447% | 5,367 |
| Tier 1 risk-based capital ratio | 11.3953% | 5,518 |
| Total risk-based capital ratio | 12.4009% | 5,733 |
| Memoranda: | ||
| Average total assets | $121,183,600 | 4,530 |
| Average earning assets | $110,672,800 | 4,543 |
| Average equity | $10,867,000 | 5,057 |
| Average total loans | $72,333,200 | 4,789 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6775% | 109 |
| Cost of funding earning assets | 1.6135% | 5,341 |
| Net interest margin | 6.0640% | 104 |
| Noninterest income to average assets | 1.1941% | 1,085 |
| Noninterest expense to average assets | 3.7665% | 1,668 |
| Loan and lease loss provision to assets | 0.4124% | 3,852 |
| Net operating income to assets | 2.5680% | 94 |
| Return on assets (ROA) | 2.5680% | 103 |
| Pretax return on assets | 2.5680% | 175 |
| Return on Equity (ROE) | 29.4393% | 66 |
| Retained earnings to average equity (ytd only) | 6.5603% | 1,681 |
| Net charge-offs to loans | 0.2648% | 4,388 |
| Credit loss provision to net charge-offs | 261.5385% | 1,630 |
| Earnings coverage of net charge-offs (x) | 18.9023% | 1,325 |
| Efficiency ratio | 55.6627% | 7,047 |
| Assets per employee ($millions) | 2.1384% | 7,676 |
| Cash dividends to net income (ytd only)* | 77.7156% | 1,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0997% | 5,726 |
| Loan loss allowance to noncurrent loans | 290.3915% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.8281% | 5,435 |
| Noncurrent loans to loans | 0.3787% | 6,590 |
| Net loans and leases to total assets | 59.1715% | 5,716 |
| Net loans and leases to deposits | 81.9566% | 4,031 |
| Net loans and leases to core deposits | 92.8457% | 5,150 |
| Total domestic deposits to total assets | 72.1986% | 7,182 |
| Equity capital to assets | 10.2229% | 3,824 |
| Core capital (leverage) ratio | 8.5445% | 5,414 |
| Tier 1 risk-based capital ratio | 11.3953% | 5,542 |
| Total risk-based capital ratio | 12.2859% | 5,874 |
| Memoranda: | ||
| Average total assets | $120,921,750 | 4,569 |
| Average earning assets | $110,728,000 | 4,569 |
| Average equity | $10,548,000 | 5,177 |
| Average total loans | $72,002,750 | 4,844 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5325% | 146 |
| Cost of funding earning assets | 1.7279% | 5,135 |
| Net interest margin | 5.8046% | 124 |
| Noninterest income to average assets | 1.0643% | 1,404 |
| Noninterest expense to average assets | 3.6334% | 1,990 |
| Loan and lease loss provision to assets | 0.3453% | 3,857 |
| Net operating income to assets | 2.3872% | 133 |
| Return on assets (ROA) | 2.3872% | 148 |
| Pretax return on assets | 2.3872% | 260 |
| Return on Equity (ROE) | 29.0923% | 80 |
| Retained earnings to average equity (ytd only) | 9.4535% | 825 |
| Net charge-offs to loans | 0.1824% | 4,425 |
| Credit loss provision to net charge-offs | 318.4615% | 1,463 |
| Earnings coverage of net charge-offs (x) | 25.2000% | 1,126 |
| Efficiency ratio | 56.9182% | 7,003 |
| Assets per employee ($millions) | 2.2238% | 7,649 |
| Cash dividends to net income (ytd only)* | 67.5052% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 6,193 |
| Loan loss allowance to noncurrent loans | 281.7829% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 4,771 |
| Noncurrent loans to loans | 0.3569% | 6,615 |
| Net loans and leases to total assets | 58.5149% | 5,899 |
| Net loans and leases to deposits | 73.3056% | 5,566 |
| Net loans and leases to core deposits | 82.8077% | 6,174 |
| Total domestic deposits to total assets | 79.8232% | 5,533 |
| Equity capital to assets | 9.0026% | 5,314 |
| Core capital (leverage) ratio | 8.5206% | 5,406 |
| Tier 1 risk-based capital ratio | 11.6227% | 5,268 |
| Total risk-based capital ratio | 12.4365% | 5,611 |
| Memoranda: | ||
| Average total assets | $119,887,000 | 4,636 |
| Average earning assets | $109,499,000 | 4,636 |
| Average equity | $9,837,670 | 5,412 |
| Average total loans | $71,269,000 | 4,910 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1329% | 272 |
| Cost of funding earning assets | 1.7409% | 5,411 |
| Net interest margin | 5.3920% | 202 |
| Noninterest income to average assets | 0.8527% | 2,069 |
| Noninterest expense to average assets | 3.4009% | 2,355 |
| Loan and lease loss provision to assets | 0.4045% | 2,899 |
| Net operating income to assets | 1.9852% | 358 |
| Return on assets (ROA) | 1.9852% | 408 |
| Pretax return on assets | 1.9852% | 678 |
| Return on Equity (ROE) | 25.4675% | 171 |
| Retained earnings to average equity (ytd only) | 9.1233% | 1,434 |
| Net charge-offs to loans | 0.1583% | 3,697 |
| Credit loss provision to net charge-offs | 428.5714% | 1,228 |
| Earnings coverage of net charge-offs (x) | 25.3214% | 1,210 |
| Efficiency ratio | 58.5565% | 6,615 |
| Assets per employee ($millions) | 2.2305% | 7,671 |
| Cash dividends to net income (ytd only)* | 64.1766% | 1,393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9536% | 6,471 |
| Loan loss allowance to noncurrent loans | 183.4688% | 1,799 |
| Noncurrent assets plus other real estate owned to assets | 1.1877% | 4,295 |
| Noncurrent loans to loans | 0.5197% | 6,129 |
| Net loans and leases to total assets | 57.3222% | 6,051 |
| Net loans and leases to deposits | 76.7518% | 5,120 |
| Net loans and leases to core deposits | 92.9728% | 5,262 |
| Total domestic deposits to total assets | 74.6851% | 6,771 |
| Equity capital to assets | 7.6479% | 7,223 |
| Core capital (leverage) ratio | 8.3233% | 5,862 |
| Tier 1 risk-based capital ratio | 11.9245% | 5,023 |
| Total risk-based capital ratio | 12.7219% | 5,336 |
| Memoranda: | ||
| Average total assets | $118,676,000 | 4,689 |
| Average earning assets | $108,680,000 | 4,673 |
| Average equity | $9,251,000 | 5,617 |
| Average total loans | $70,755,500 | 4,956 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0292% | 1,051 |
| Cost of funding earning assets | 2.5950% | 3,710 |
| Net interest margin | 4.4342% | 1,580 |
| Noninterest income to average assets | 1.4097% | 729 |
| Noninterest expense to average assets | 3.6976% | 1,956 |
| Loan and lease loss provision to assets | 0.2193% | 4,694 |
| Net operating income to assets | 1.4333% | 1,161 |
| Return on assets (ROA) | 1.4343% | 1,115 |
| Pretax return on assets | 1.4343% | 1,860 |
| Return on Equity (ROE) | 19.0602% | 449 |
| Retained earnings to average equity (ytd only) | 10.2195% | 420 |
| Net charge-offs to loans | 0.2864% | 3,492 |
| Credit loss provision to net charge-offs | 109.0426% | 4,937 |
| Earnings coverage of net charge-offs (x) | 8.2181% | 2,921 |
| Efficiency ratio | 68.8525% | 4,566 |
| Assets per employee ($millions) | 1.9113% | 7,978 |
| Cash dividends to net income (ytd only)* | 46.3833% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 6,976 |
| Loan loss allowance to noncurrent loans | 90.6977% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.0046% | 4,314 |
| Noncurrent loans to loans | 0.9147% | 4,790 |
| Net loans and leases to total assets | 60.9791% | 5,774 |
| Net loans and leases to deposits | 91.7679% | 3,179 |
| Net loans and leases to core deposits | 112.7669% | 3,478 |
| Total domestic deposits to total assets | 66.4492% | 7,623 |
| Equity capital to assets | 7.9528% | 6,904 |
| Core capital (leverage) ratio | 10.0932% | 3,363 |
| Tier 1 risk-based capital ratio | 12.3457% | 4,554 |
| Total risk-based capital ratio | 13.0743% | 4,866 |
| Memoranda: | ||
| Average total assets | $93,493,000 | 5,242 |
| Average earning assets | $83,082,400 | 5,327 |
| Average equity | $7,035,600 | 6,442 |
| Average total loans | $65,636,200 | 5,036 |