Home > Basin State Bank > Performance and Condition Ratios
Basin State Bank, Performance and Condition Ratios
| 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 | 0.7314% | 6,627 |
| Cost of funding earning assets | 0.0530% | 6,579 |
| Net interest margin | 0.6784% | 6,628 |
| Noninterest income to average assets | 0.0402% | 6,467 |
| Noninterest expense to average assets | 0.2736% | 6,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3968% | 5,234 |
| Return on assets (ROA) | 0.3968% | 5,305 |
| Pretax return on assets | 0.3968% | 5,574 |
| Return on Equity (ROE) | 4.0198% | 5,137 |
| Retained earnings to average equity (ytd only) | 4.0198% | 3,619 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.8124% | 6,508 |
| Assets per employee ($millions) | 5.8969% | 1,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 70.2594% | 2,035 |
| Net loans and leases to deposits | 80.9385% | 2,392 |
| Net loans and leases to core deposits | 86.4500% | 2,475 |
| Total domestic deposits to total assets | 86.8059% | 2,576 |
| Equity capital to assets | 11.6411% | 2,284 |
| Core capital (leverage) ratio | 9.7337% | 3,992 |
| Tier 1 risk-based capital ratio | 11.4339% | 5,841 |
| Total risk-based capital ratio | 11.4339% | 6,301 |
| Memoranda: | ||
| Average total assets | $154,233,670 | 3,617 |
| Average earning assets | $143,280,000 | 3,604 |
| Average equity | $15,224,670 | 3,816 |
| Average total loans | $101,525,330 | 3,426 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 3,638 |
| Cost of funding earning assets | 0.3621% | 4,416 |
| Net interest margin | 3.6484% | 3,068 |
| Noninterest income to average assets | 0.3413% | 4,649 |
| Noninterest expense to average assets | 2.0971% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6575% | 610 |
| Return on assets (ROA) | 1.6575% | 639 |
| Pretax return on assets | 1.6575% | 1,057 |
| Return on Equity (ROE) | 18.4288% | 407 |
| Retained earnings to average equity (ytd only) | 9.8038% | 1,015 |
| Net charge-offs to loans | -0.0244% | 5,447 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8540% | 5,848 |
| Assets per employee ($millions) | 6.3478% | 1,086 |
| Cash dividends to net income (ytd only)* | 46.8019% | 1,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 5,618 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 64.6356% | 2,785 |
| Net loans and leases to deposits | 72.6193% | 3,258 |
| Net loans and leases to core deposits | 78.2982% | 3,170 |
| Total domestic deposits to total assets | 89.0061% | 1,659 |
| Equity capital to assets | 9.2525% | 4,809 |
| Core capital (leverage) ratio | 9.2247% | 4,685 |
| Tier 1 risk-based capital ratio | 11.2914% | 6,026 |
| Total risk-based capital ratio | 12.0681% | 6,187 |
| Memoranda: | ||
| Average total assets | $154,691,000 | 3,639 |
| Average earning assets | $144,720,500 | 3,610 |
| Average equity | $13,913,000 | 4,060 |
| Average total loans | $98,427,500 | 3,506 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3915% | 2,617 |
| Cost of funding earning assets | 0.4510% | 4,098 |
| Net interest margin | 3.9405% | 2,136 |
| Noninterest income to average assets | 0.3131% | 5,101 |
| Noninterest expense to average assets | 2.2665% | 5,467 |
| Loan and lease loss provision to assets | 0.1552% | 2,334 |
| Net operating income to assets | 1.5795% | 718 |
| Return on assets (ROA) | 1.5795% | 743 |
| Pretax return on assets | 1.5795% | 1,221 |
| Return on Equity (ROE) | 14.4149% | 869 |
| Retained earnings to average equity (ytd only) | -17.7187% | 6,647 |
| Net charge-offs to loans | 0.0964% | 3,876 |
| Credit loss provision to net charge-offs | 247.3684% | 925 |
| Earnings coverage of net charge-offs (x) | 27.6421% | 1,266 |
| Efficiency ratio | 56.6452% | 5,881 |
| Assets per employee ($millions) | 6.2814% | 1,097 |
| Cash dividends to net income (ytd only)* | 222.9193% | 59 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9886% | 5,625 |
| Loan loss allowance to noncurrent loans | 164.3345% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 0.3732% | 5,128 |
| Noncurrent loans to loans | 0.6016% | 4,478 |
| Net loans and leases to total assets | 61.4211% | 3,456 |
| Net loans and leases to deposits | 68.7235% | 3,949 |
| Net loans and leases to core deposits | 73.3994% | 3,908 |
| Total domestic deposits to total assets | 89.3743% | 1,402 |
| Equity capital to assets | 8.7433% | 5,318 |
| Core capital (leverage) ratio | 8.8743% | 5,174 |
| Tier 1 risk-based capital ratio | 11.4124% | 5,957 |
| Total risk-based capital ratio | 12.2119% | 6,142 |
| Memoranda: | ||
| Average total assets | $151,377,400 | 3,679 |
| Average earning assets | $141,681,800 | 3,641 |
| Average equity | $16,587,000 | 3,619 |
| Average total loans | $98,553,000 | 3,485 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4580% | 2,390 |
| Cost of funding earning assets | 0.4703% | 4,066 |
| Net interest margin | 3.9877% | 1,987 |
| Noninterest income to average assets | 0.3138% | 5,195 |
| Noninterest expense to average assets | 2.2245% | 5,547 |
| Loan and lease loss provision to assets | 0.1645% | 2,203 |
| Net operating income to assets | 1.6644% | 662 |
| Return on assets (ROA) | 1.6644% | 696 |
| Pretax return on assets | 1.6644% | 1,175 |
| Return on Equity (ROE) | 14.4264% | 904 |
| Retained earnings to average equity (ytd only) | 8.0301% | 1,400 |
| Net charge-offs to loans | 0.1268% | 3,259 |
| Credit loss provision to net charge-offs | 196.8085% | 1,233 |
| Earnings coverage of net charge-offs (x) | 21.8830% | 1,528 |
| Efficiency ratio | 54.8805% | 6,025 |
| Assets per employee ($millions) | 5.6484% | 1,503 |
| Cash dividends to net income (ytd only)* | 44.3376% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 6,132 |
| Loan loss allowance to noncurrent loans | 156.5068% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 5,226 |
| Noncurrent loans to loans | 0.5565% | 4,806 |
| Net loans and leases to total assets | 70.8405% | 1,808 |
| Net loans and leases to deposits | 82.5904% | 2,059 |
| Net loans and leases to core deposits | 88.6944% | 2,114 |
| Total domestic deposits to total assets | 85.7733% | 3,367 |
| Equity capital to assets | 12.0572% | 1,886 |
| Core capital (leverage) ratio | 12.1915% | 1,565 |
| Tier 1 risk-based capital ratio | 12.5387% | 5,437 |
| Total risk-based capital ratio | 13.1852% | 5,756 |
| Memoranda: | ||
| Average total assets | $149,963,250 | 3,743 |
| Average earning assets | $140,627,250 | 3,692 |
| Average equity | $17,301,250 | 3,565 |
| Average total loans | $98,837,500 | 3,504 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2786% | 3,044 |
| Cost of funding earning assets | 0.4884% | 4,009 |
| Net interest margin | 3.7902% | 2,593 |
| Noninterest income to average assets | 0.3139% | 5,190 |
| Noninterest expense to average assets | 2.2610% | 5,475 |
| Loan and lease loss provision to assets | 0.1656% | 2,257 |
| Net operating income to assets | 1.4543% | 975 |
| Return on assets (ROA) | 1.4543% | 1,050 |
| Pretax return on assets | 1.4543% | 1,754 |
| Return on Equity (ROE) | 12.7927% | 1,288 |
| Retained earnings to average equity (ytd only) | 6.5012% | 2,143 |
| Net charge-offs to loans | 0.0909% | 3,453 |
| Credit loss provision to net charge-offs | 284.0909% | 904 |
| Earnings coverage of net charge-offs (x) | 27.7955% | 1,206 |
| Efficiency ratio | 58.2594% | 5,699 |
| Assets per employee ($millions) | 5.4068% | 1,687 |
| Cash dividends to net income (ytd only)* | 49.1803% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8766% | 6,202 |
| Loan loss allowance to noncurrent loans | 376.6667% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.1644% | 6,003 |
| Noncurrent loans to loans | 0.2327% | 5,724 |
| Net loans and leases to total assets | 70.0200% | 1,875 |
| Net loans and leases to deposits | 80.8188% | 2,210 |
| Net loans and leases to core deposits | 85.9762% | 2,335 |
| Total domestic deposits to total assets | 86.6383% | 3,038 |
| Equity capital to assets | 11.7876% | 2,066 |
| Core capital (leverage) ratio | 11.5827% | 1,867 |
| Tier 1 risk-based capital ratio | 12.1956% | 5,682 |
| Total risk-based capital ratio | 12.8350% | 6,020 |
| Memoranda: | ||
| Average total assets | $150,998,330 | 3,745 |
| Average earning assets | $142,101,670 | 3,691 |
| Average equity | $17,166,000 | 3,599 |
| Average total loans | $96,800,330 | 3,567 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0642% | 3,873 |
| Cost of funding earning assets | 0.5066% | 4,022 |
| Net interest margin | 3.5575% | 3,445 |
| Noninterest income to average assets | 0.3283% | 5,078 |
| Noninterest expense to average assets | 2.2227% | 5,628 |
| Loan and lease loss provision to assets | 0.1694% | 2,167 |
| Net operating income to assets | 1.2846% | 1,323 |
| Return on assets (ROA) | 1.2846% | 1,424 |
| Pretax return on assets | 1.2846% | 2,276 |
| Return on Equity (ROE) | 11.5019% | 1,557 |
| Retained earnings to average equity (ytd only) | 5.2027% | 3,110 |
| Net charge-offs to loans | 0.1922% | 2,261 |
| Credit loss provision to net charge-offs | 144.4444% | 1,402 |
| Earnings coverage of net charge-offs (x) | 12.4000% | 1,599 |
| Efficiency ratio | 60.4536% | 5,523 |
| Assets per employee ($millions) | 5.5303% | 1,644 |
| Cash dividends to net income (ytd only)* | 54.7667% | 1,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8826% | 6,300 |
| Loan loss allowance to noncurrent loans | 266.7722% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 5,931 |
| Noncurrent loans to loans | 0.3309% | 5,573 |
| Net loans and leases to total assets | 63.3992% | 2,819 |
| Net loans and leases to deposits | 72.9898% | 3,053 |
| Net loans and leases to core deposits | 78.7350% | 2,965 |
| Total domestic deposits to total assets | 86.8603% | 3,040 |
| Equity capital to assets | 11.5417% | 2,373 |
| Core capital (leverage) ratio | 11.4120% | 1,940 |
| Tier 1 risk-based capital ratio | 12.2828% | 5,731 |
| Total risk-based capital ratio | 12.8882% | 6,086 |
| Memoranda: | ||
| Average total assets | $153,505,500 | 3,753 |
| Average earning assets | $144,482,500 | 3,681 |
| Average equity | $17,145,000 | 3,642 |
| Average total loans | $93,639,500 | 3,661 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7538% | 2,384 |
| Cost of funding earning assets | 0.6890% | 3,580 |
| Net interest margin | 4.0648% | 2,136 |
| Noninterest income to average assets | 0.3282% | 5,109 |
| Noninterest expense to average assets | 2.3849% | 5,450 |
| Loan and lease loss provision to assets | 0.2060% | 3,077 |
| Net operating income to assets | 1.5574% | 817 |
| Return on assets (ROA) | 1.5574% | 899 |
| Pretax return on assets | 1.5574% | 1,498 |
| Return on Equity (ROE) | 13.7410% | 1,048 |
| Retained earnings to average equity (ytd only) | 6.5918% | 1,771 |
| Net charge-offs to loans | 0.1977% | 3,797 |
| Credit loss provision to net charge-offs | 153.8462% | 1,757 |
| Earnings coverage of net charge-offs (x) | 13.1692% | 1,855 |
| Efficiency ratio | 57.4905% | 5,899 |
| Assets per employee ($millions) | 5.6319% | 1,576 |
| Cash dividends to net income (ytd only)* | 52.0282% | 2,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8968% | 6,273 |
| Loan loss allowance to noncurrent loans | 791.3462% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 6,447 |
| Noncurrent loans to loans | 0.1133% | 6,203 |
| Net loans and leases to total assets | 57.6732% | 4,032 |
| Net loans and leases to deposits | 65.9072% | 4,302 |
| Net loans and leases to core deposits | 70.8049% | 4,191 |
| Total domestic deposits to total assets | 87.5067% | 2,524 |
| Equity capital to assets | 10.8160% | 3,159 |
| Core capital (leverage) ratio | 11.3324% | 1,993 |
| Tier 1 risk-based capital ratio | 12.0616% | 5,755 |
| Total risk-based capital ratio | 12.6497% | 6,133 |
| Memoranda: | ||
| Average total assets | $145,626,800 | 3,850 |
| Average earning assets | $136,858,200 | 3,777 |
| Average equity | $16,505,400 | 3,703 |
| Average total loans | $98,650,800 | 3,558 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9563% | 1,812 |
| Cost of funding earning assets | 0.7311% | 3,508 |
| Net interest margin | 4.2252% | 1,663 |
| Noninterest income to average assets | 0.3310% | 5,156 |
| Noninterest expense to average assets | 2.4233% | 5,329 |
| Loan and lease loss provision to assets | 0.2104% | 2,967 |
| Net operating income to assets | 1.6688% | 737 |
| Return on assets (ROA) | 1.6688% | 818 |
| Pretax return on assets | 1.6688% | 1,367 |
| Return on Equity (ROE) | 14.5404% | 992 |
| Retained earnings to average equity (ytd only) | 7.9423% | 1,639 |
| Net charge-offs to loans | 0.2604% | 3,160 |
| Credit loss provision to net charge-offs | 114.7959% | 2,540 |
| Earnings coverage of net charge-offs (x) | 10.2550% | 2,205 |
| Efficiency ratio | 56.3233% | 6,014 |
| Assets per employee ($millions) | 5.0387% | 2,137 |
| Cash dividends to net income (ytd only)* | 45.3780% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7345% | 6,703 |
| Loan loss allowance to noncurrent loans | 612.2951% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 6,405 |
| Noncurrent loans to loans | 0.1200% | 6,310 |
| Net loans and leases to total assets | 71.5517% | 1,637 |
| Net loans and leases to deposits | 83.3056% | 1,957 |
| Net loans and leases to core deposits | 90.0984% | 1,969 |
| Total domestic deposits to total assets | 85.8907% | 3,312 |
| Equity capital to assets | 12.0070% | 2,250 |
| Core capital (leverage) ratio | 11.8621% | 1,739 |
| Tier 1 risk-based capital ratio | 12.7470% | 5,444 |
| Total risk-based capital ratio | 13.3149% | 5,888 |
| Memoranda: | ||
| Average total assets | $142,610,500 | 3,946 |
| Average earning assets | $134,048,750 | 3,875 |
| Average equity | $16,367,750 | 3,760 |
| Average total loans | $100,371,250 | 3,547 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8343% | 2,362 |
| Cost of funding earning assets | 0.7542% | 3,574 |
| Net interest margin | 4.0800% | 2,166 |
| Noninterest income to average assets | 0.3340% | 5,158 |
| Noninterest expense to average assets | 2.4176% | 5,389 |
| Loan and lease loss provision to assets | 0.2096% | 2,984 |
| Net operating income to assets | 1.5470% | 916 |
| Return on assets (ROA) | 1.5470% | 1,027 |
| Pretax return on assets | 1.5470% | 1,718 |
| Return on Equity (ROE) | 13.6861% | 1,189 |
| Retained earnings to average equity (ytd only) | 7.0100% | 2,096 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9176% | 5,887 |
| Assets per employee ($millions) | 3.7841% | 4,359 |
| Cash dividends to net income (ytd only)* | 48.7805% | 1,788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 6,626 |
| Loan loss allowance to noncurrent loans | 137.1248% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.4914% | 5,527 |
| Noncurrent loans to loans | 0.6004% | 5,311 |
| Net loans and leases to total assets | 74.6797% | 1,147 |
| Net loans and leases to deposits | 86.7926% | 1,504 |
| Net loans and leases to core deposits | 92.9025% | 1,691 |
| Total domestic deposits to total assets | 86.0439% | 3,338 |
| Equity capital to assets | 11.7584% | 2,356 |
| Core capital (leverage) ratio | 11.5454% | 1,871 |
| Tier 1 risk-based capital ratio | 12.8885% | 5,264 |
| Total risk-based capital ratio | 13.5724% | 5,679 |
| Memoranda: | ||
| Average total assets | $143,119,330 | 3,950 |
| Average earning assets | $134,705,000 | 3,873 |
| Average equity | $16,177,000 | 3,777 |
| Average total loans | $99,930,000 | 3,572 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6985% | 3,063 |
| Cost of funding earning assets | 0.7841% | 3,593 |
| Net interest margin | 3.9145% | 2,864 |
| Noninterest income to average assets | 0.3567% | 5,020 |
| Noninterest expense to average assets | 2.4607% | 5,286 |
| Loan and lease loss provision to assets | 0.2074% | 2,879 |
| Net operating income to assets | 1.3741% | 1,268 |
| Return on assets (ROA) | 1.3741% | 1,418 |
| Pretax return on assets | 1.3741% | 2,270 |
| Return on Equity (ROE) | 12.3987% | 1,555 |
| Retained earnings to average equity (ytd only) | 5.6630% | 3,162 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8755% | 5,476 |
| Assets per employee ($millions) | 5.1101% | 2,112 |
| Cash dividends to net income (ytd only)* | 54.3260% | 1,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8050% | 6,729 |
| Loan loss allowance to noncurrent loans | 155.7957% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 0.3942% | 5,883 |
| Noncurrent loans to loans | 0.5167% | 5,636 |
| Net loans and leases to total assets | 68.2932% | 2,055 |
| Net loans and leases to deposits | 78.9267% | 2,350 |
| Net loans and leases to core deposits | 85.9646% | 2,296 |
| Total domestic deposits to total assets | 86.5274% | 3,225 |
| Equity capital to assets | 11.2760% | 2,647 |
| Core capital (leverage) ratio | 11.1903% | 2,115 |
| Tier 1 risk-based capital ratio | 12.3706% | 5,708 |
| Total risk-based capital ratio | 12.9829% | 6,120 |
| Memoranda: | ||
| Average total assets | $144,674,000 | 3,963 |
| Average earning assets | $136,212,500 | 3,880 |
| Average equity | $16,034,000 | 3,809 |
| Average total loans | $97,181,500 | 3,657 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3271% | 1,629 |
| Cost of funding earning assets | 0.9375% | 3,812 |
| Net interest margin | 4.3896% | 1,419 |
| Noninterest income to average assets | 0.2974% | 5,401 |
| Noninterest expense to average assets | 2.5003% | 5,463 |
| Loan and lease loss provision to assets | 0.2150% | 4,046 |
| Net operating income to assets | 1.6654% | 590 |
| Return on assets (ROA) | 1.6654% | 628 |
| Pretax return on assets | 1.6654% | 1,065 |
| Return on Equity (ROE) | 15.1395% | 724 |
| Retained earnings to average equity (ytd only) | 7.3222% | 1,356 |
| Net charge-offs to loans | 0.2652% | 4,113 |
| Credit loss provision to net charge-offs | 114.9425% | 2,839 |
| Earnings coverage of net charge-offs (x) | 10.0536% | 1,890 |
| Efficiency ratio | 57.0751% | 6,178 |
| Assets per employee ($millions) | 5.2238% | 1,911 |
| Cash dividends to net income (ytd only)* | 51.6351% | 1,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7491% | 6,837 |
| Loan loss allowance to noncurrent loans | 103.1609% | 2,973 |
| Noncurrent assets plus other real estate owned to assets | 0.5135% | 5,680 |
| Noncurrent loans to loans | 0.7261% | 5,245 |
| Net loans and leases to total assets | 65.0436% | 2,980 |
| Net loans and leases to deposits | 74.9291% | 3,353 |
| Net loans and leases to core deposits | 81.4284% | 3,260 |
| Total domestic deposits to total assets | 86.8068% | 2,873 |
| Equity capital to assets | 10.8939% | 3,081 |
| Core capital (leverage) ratio | 11.0836% | 2,206 |
| Tier 1 risk-based capital ratio | 11.9478% | 5,866 |
| Total risk-based capital ratio | 12.4910% | 6,298 |
| Memoranda: | ||
| Average total assets | $139,545,000 | 3,984 |
| Average earning assets | $129,808,200 | 3,936 |
| Average equity | $15,350,600 | 3,841 |
| Average total loans | $98,405,400 | 3,662 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5353% | 1,169 |
| Cost of funding earning assets | 0.9698% | 3,895 |
| Net interest margin | 4.5656% | 1,013 |
| Noninterest income to average assets | 0.2892% | 5,540 |
| Noninterest expense to average assets | 2.4922% | 5,488 |
| Loan and lease loss provision to assets | 0.2176% | 3,841 |
| Net operating income to assets | 1.8182% | 500 |
| Return on assets (ROA) | 1.8182% | 542 |
| Pretax return on assets | 1.8182% | 919 |
| Return on Equity (ROE) | 16.4856% | 611 |
| Retained earnings to average equity (ytd only) | 8.5936% | 1,282 |
| Net charge-offs to loans | 0.0189% | 5,892 |
| Credit loss provision to net charge-offs | 1,607.1429% | 170 |
| Earnings coverage of net charge-offs (x) | 150.3267% | 258 |
| Efficiency ratio | 55.0406% | 6,383 |
| Assets per employee ($millions) | 5.0081% | 2,180 |
| Cash dividends to net income (ytd only)* | 47.8724% | 1,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8906% | 6,629 |
| Loan loss allowance to noncurrent loans | 137.5580% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 0.4614% | 5,938 |
| Noncurrent loans to loans | 0.6474% | 5,590 |
| Net loans and leases to total assets | 70.6310% | 1,955 |
| Net loans and leases to deposits | 82.0096% | 2,356 |
| Net loans and leases to core deposits | 90.0178% | 2,243 |
| Total domestic deposits to total assets | 86.1253% | 3,153 |
| Equity capital to assets | 11.2896% | 2,876 |
| Core capital (leverage) ratio | 11.4718% | 2,038 |
| Tier 1 risk-based capital ratio | 12.5645% | 5,439 |
| Total risk-based capital ratio | 13.2792% | 5,865 |
| Memoranda: | ||
| Average total assets | $137,865,000 | 4,039 |
| Average earning assets | $127,998,500 | 3,993 |
| Average equity | $15,204,750 | 3,878 |
| Average total loans | $99,043,250 | 3,668 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4958% | 1,302 |
| Cost of funding earning assets | 0.9851% | 4,052 |
| Net interest margin | 4.5108% | 1,110 |
| Noninterest income to average assets | 0.2889% | 5,567 |
| Noninterest expense to average assets | 2.4234% | 5,771 |
| Loan and lease loss provision to assets | 0.2189% | 3,730 |
| Net operating income to assets | 1.8690% | 431 |
| Return on assets (ROA) | 1.8690% | 459 |
| Pretax return on assets | 1.8690% | 756 |
| Return on Equity (ROE) | 17.0846% | 541 |
| Retained earnings to average equity (ytd only) | 9.0824% | 1,075 |
| Net charge-offs to loans | 0.0284% | 5,436 |
| Credit loss provision to net charge-offs | 1,071.4286% | 315 |
| Earnings coverage of net charge-offs (x) | 102.2143% | 359 |
| Efficiency ratio | 53.7193% | 6,646 |
| Assets per employee ($millions) | 4.8622% | 2,317 |
| Cash dividends to net income (ytd only)* | 46.8384% | 1,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7990% | 6,869 |
| Loan loss allowance to noncurrent loans | 129.5707% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.4620% | 5,996 |
| Noncurrent loans to loans | 0.6167% | 5,691 |
| Net loans and leases to total assets | 74.3222% | 1,357 |
| Net loans and leases to deposits | 86.5278% | 1,709 |
| Net loans and leases to core deposits | 95.5061% | 1,733 |
| Total domestic deposits to total assets | 85.8940% | 3,380 |
| Equity capital to assets | 11.3617% | 2,632 |
| Core capital (leverage) ratio | 11.3252% | 2,033 |
| Tier 1 risk-based capital ratio | 12.9741% | 4,934 |
| Total risk-based capital ratio | 13.6629% | 5,405 |
| Memoranda: | ||
| Average total assets | $137,078,000 | 4,083 |
| Average earning assets | $128,315,670 | 4,026 |
| Average equity | $14,996,000 | 3,904 |
| Average total loans | $98,746,670 | 3,720 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 1,442 |
| Cost of funding earning assets | 1.0197% | 4,063 |
| Net interest margin | 4.4239% | 1,230 |
| Noninterest income to average assets | 0.3112% | 5,443 |
| Noninterest expense to average assets | 2.3992% | 5,884 |
| Loan and lease loss provision to assets | 0.2181% | 3,472 |
| Net operating income to assets | 1.8321% | 466 |
| Return on assets (ROA) | 1.8321% | 493 |
| Pretax return on assets | 1.8321% | 771 |
| Return on Equity (ROE) | 17.0732% | 557 |
| Retained earnings to average equity (ytd only) | 8.9431% | 1,397 |
| Net charge-offs to loans | 0.0577% | 4,357 |
| Credit loss provision to net charge-offs | 535.7143% | 676 |
| Earnings coverage of net charge-offs (x) | 50.3571% | 573 |
| Efficiency ratio | 53.9216% | 6,704 |
| Assets per employee ($millions) | 4.8625% | 2,339 |
| Cash dividends to net income (ytd only)* | 47.6190% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7434% | 7,015 |
| Loan loss allowance to noncurrent loans | 305.7851% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.1777% | 6,713 |
| Noncurrent loans to loans | 0.2431% | 6,501 |
| Net loans and leases to total assets | 72.5656% | 1,599 |
| Net loans and leases to deposits | 84.1335% | 2,005 |
| Net loans and leases to core deposits | 94.2567% | 1,857 |
| Total domestic deposits to total assets | 86.2505% | 3,364 |
| Equity capital to assets | 10.9673% | 2,721 |
| Core capital (leverage) ratio | 10.9145% | 2,248 |
| Tier 1 risk-based capital ratio | 12.3081% | 5,430 |
| Total risk-based capital ratio | 12.9154% | 5,957 |
| Memoranda: | ||
| Average total assets | $137,546,500 | 4,109 |
| Average earning assets | $128,664,500 | 4,058 |
| Average equity | $14,760,000 | 3,951 |
| Average total loans | $97,121,000 | 3,806 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8203% | 1,227 |
| Cost of funding earning assets | 1.2448% | 4,250 |
| Net interest margin | 4.5755% | 1,065 |
| Noninterest income to average assets | 0.2533% | 5,988 |
| Noninterest expense to average assets | 2.4243% | 6,031 |
| Loan and lease loss provision to assets | 0.1848% | 5,384 |
| Net operating income to assets | 1.9200% | 324 |
| Return on assets (ROA) | 1.9200% | 346 |
| Pretax return on assets | 1.9200% | 586 |
| Return on Equity (ROE) | 17.7181% | 400 |
| Retained earnings to average equity (ytd only) | 9.1930% | 665 |
| Net charge-offs to loans | 0.5059% | 3,594 |
| Credit loss provision to net charge-offs | 49.0798% | 6,273 |
| Earnings coverage of net charge-offs (x) | 5.5910% | 2,588 |
| Efficiency ratio | 53.5271% | 6,848 |
| Assets per employee ($millions) | 4.7911% | 2,431 |
| Cash dividends to net income (ytd only)* | 48.1155% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7170% | 7,115 |
| Loan loss allowance to noncurrent loans | 209.5679% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.2483% | 6,617 |
| Noncurrent loans to loans | 0.3421% | 6,374 |
| Net loans and leases to total assets | 67.6716% | 3,062 |
| Net loans and leases to deposits | 78.1367% | 3,492 |
| Net loans and leases to core deposits | 86.3288% | 3,275 |
| Total domestic deposits to total assets | 86.6067% | 3,027 |
| Equity capital to assets | 10.4993% | 3,156 |
| Core capital (leverage) ratio | 10.8220% | 2,295 |
| Tier 1 risk-based capital ratio | 12.1587% | 5,327 |
| Total risk-based capital ratio | 12.7215% | 5,932 |
| Memoranda: | ||
| Average total assets | $129,895,400 | 4,273 |
| Average earning assets | $121,385,000 | 4,200 |
| Average equity | $14,076,000 | 4,127 |
| Average total loans | $96,662,600 | 3,882 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9184% | 1,086 |
| Cost of funding earning assets | 1.2938% | 4,258 |
| Net interest margin | 4.6245% | 996 |
| Noninterest income to average assets | 0.2779% | 5,882 |
| Noninterest expense to average assets | 2.5071% | 5,696 |
| Loan and lease loss provision to assets | 0.1880% | 5,163 |
| Net operating income to assets | 1.9065% | 398 |
| Return on assets (ROA) | 1.9065% | 441 |
| Pretax return on assets | 1.9065% | 757 |
| Return on Equity (ROE) | 17.4453% | 538 |
| Retained earnings to average equity (ytd only) | 8.8421% | 1,105 |
| Net charge-offs to loans | 0.4652% | 3,426 |
| Credit loss provision to net charge-offs | 53.0973% | 5,841 |
| Earnings coverage of net charge-offs (x) | 5.9144% | 2,646 |
| Efficiency ratio | 54.4835% | 6,745 |
| Assets per employee ($millions) | 4.5995% | 2,744 |
| Cash dividends to net income (ytd only)* | 49.3151% | 1,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7888% | 7,030 |
| Loan loss allowance to noncurrent loans | 86.1142% | 3,177 |
| Noncurrent assets plus other real estate owned to assets | 0.8759% | 5,344 |
| Noncurrent loans to loans | 0.9160% | 5,411 |
| Net loans and leases to total assets | 75.0969% | 1,571 |
| Net loans and leases to deposits | 87.9004% | 2,024 |
| Net loans and leases to core deposits | 97.8501% | 2,060 |
| Total domestic deposits to total assets | 85.4341% | 3,392 |
| Equity capital to assets | 11.2216% | 2,756 |
| Core capital (leverage) ratio | 11.1562% | 2,155 |
| Tier 1 risk-based capital ratio | 13.7595% | 4,015 |
| Total risk-based capital ratio | 14.4995% | 4,357 |
| Memoranda: | ||
| Average total assets | $127,633,500 | 4,378 |
| Average earning assets | $119,331,500 | 4,301 |
| Average equity | $13,948,000 | 4,214 |
| Average total loans | $97,152,250 | 3,941 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7814% | 1,473 |
| Cost of funding earning assets | 1.3029% | 4,516 |
| Net interest margin | 4.4784% | 1,251 |
| Noninterest income to average assets | 0.2971% | 5,772 |
| Noninterest expense to average assets | 2.4833% | 5,775 |
| Loan and lease loss provision to assets | 0.1886% | 4,991 |
| Net operating income to assets | 1.8389% | 454 |
| Return on assets (ROA) | 1.8389% | 491 |
| Pretax return on assets | 1.8389% | 823 |
| Return on Equity (ROE) | 16.9811% | 571 |
| Retained earnings to average equity (ytd only) | 8.2729% | 1,346 |
| Net charge-offs to loans | 0.6945% | 2,478 |
| Credit loss provision to net charge-offs | 35.6083% | 5,667 |
| Earnings coverage of net charge-offs (x) | 3.8279% | 3,168 |
| Efficiency ratio | 55.0523% | 6,757 |
| Assets per employee ($millions) | 4.3471% | 3,132 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7087% | 7,229 |
| Loan loss allowance to noncurrent loans | 55.2019% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 1.2081% | 4,721 |
| Noncurrent loans to loans | 1.2838% | 4,815 |
| Net loans and leases to total assets | 79.0172% | 952 |
| Net loans and leases to deposits | 92.6452% | 1,437 |
| Net loans and leases to core deposits | 103.0007% | 1,732 |
| Total domestic deposits to total assets | 85.2901% | 3,470 |
| Equity capital to assets | 11.1823% | 2,703 |
| Core capital (leverage) ratio | 11.0361% | 2,213 |
| Tier 1 risk-based capital ratio | 12.7774% | 4,626 |
| Total risk-based capital ratio | 13.4289% | 5,121 |
| Memoranda: | ||
| Average total assets | $127,249,000 | 4,419 |
| Average earning assets | $119,729,670 | 4,317 |
| Average equity | $13,780,000 | 4,249 |
| Average total loans | $97,041,670 | 3,984 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7012% | 1,777 |
| Cost of funding earning assets | 1.2906% | 4,871 |
| Net interest margin | 4.4106% | 1,362 |
| Noninterest income to average assets | 0.2972% | 5,770 |
| Noninterest expense to average assets | 2.5782% | 5,440 |
| Loan and lease loss provision to assets | 0.1877% | 4,626 |
| Net operating income to assets | 1.6802% | 638 |
| Return on assets (ROA) | 1.6802% | 689 |
| Pretax return on assets | 1.6802% | 1,096 |
| Return on Equity (ROE) | 15.7692% | 756 |
| Retained earnings to average equity (ytd only) | 6.9596% | 2,151 |
| Net charge-offs to loans | 0.0419% | 4,999 |
| Credit loss provision to net charge-offs | 600.0000% | 717 |
| Earnings coverage of net charge-offs (x) | 59.7000% | 509 |
| Efficiency ratio | 57.9873% | 6,487 |
| Assets per employee ($millions) | 4.3627% | 3,188 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0350% | 6,304 |
| Loan loss allowance to noncurrent loans | 74.3726% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 5,067 |
| Noncurrent loans to loans | 1.3916% | 4,644 |
| Net loans and leases to total assets | 73.9144% | 1,992 |
| Net loans and leases to deposits | 86.6104% | 2,484 |
| Net loans and leases to core deposits | 96.7804% | 2,490 |
| Total domestic deposits to total assets | 85.3412% | 3,488 |
| Equity capital to assets | 10.8380% | 2,916 |
| Core capital (leverage) ratio | 10.8632% | 2,323 |
| Tier 1 risk-based capital ratio | 13.8803% | 3,742 |
| Total risk-based capital ratio | 14.8776% | 3,870 |
| Memoranda: | ||
| Average total assets | $127,841,000 | 4,461 |
| Average earning assets | $120,254,500 | 4,365 |
| Average equity | $13,621,500 | 4,325 |
| Average total loans | $95,400,500 | 4,088 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3046% | 1,021 |
| Cost of funding earning assets | 1.4551% | 5,700 |
| Net interest margin | 4.8495% | 619 |
| Noninterest income to average assets | 0.2707% | 6,182 |
| Noninterest expense to average assets | 2.6260% | 5,688 |
| Loan and lease loss provision to assets | 0.1844% | 5,863 |
| Net operating income to assets | 2.0108% | 227 |
| Return on assets (ROA) | 2.0108% | 237 |
| Pretax return on assets | 2.0108% | 395 |
| Return on Equity (ROE) | 18.6783% | 322 |
| Retained earnings to average equity (ytd only) | 10.5031% | 323 |
| Net charge-offs to loans | 0.1153% | 6,011 |
| Credit loss provision to net charge-offs | 203.7037% | 1,899 |
| Earnings coverage of net charge-offs (x) | 24.2500% | 914 |
| Efficiency ratio | 54.4680% | 7,178 |
| Assets per employee ($millions) | 4.4539% | 2,999 |
| Cash dividends to net income (ytd only)* | 43.7682% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9636% | 6,565 |
| Loan loss allowance to noncurrent loans | 9,280.0000% | 54 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 7,516 |
| Noncurrent loans to loans | 0.0104% | 7,417 |
| Net loans and leases to total assets | 73.8441% | 2,305 |
| Net loans and leases to deposits | 86.0333% | 2,907 |
| Net loans and leases to core deposits | 111.1927% | 2,774 |
| Total domestic deposits to total assets | 85.8320% | 3,094 |
| Equity capital to assets | 10.4758% | 3,209 |
| Core capital (leverage) ratio | 10.7193% | 2,409 |
| Tier 1 risk-based capital ratio | 13.5653% | 3,784 |
| Total risk-based capital ratio | 14.5065% | 3,924 |
| Memoranda: | ||
| Average total assets | $119,308,400 | 4,593 |
| Average earning assets | $111,950,000 | 4,514 |
| Average equity | $12,843,800 | 4,549 |
| Average total loans | $93,650,000 | 4,113 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4121% | 906 |
| Cost of funding earning assets | 1.4923% | 5,854 |
| Net interest margin | 4.9197% | 523 |
| Noninterest income to average assets | 0.2773% | 6,251 |
| Noninterest expense to average assets | 2.6644% | 5,471 |
| Loan and lease loss provision to assets | 0.1826% | 5,537 |
| Net operating income to assets | 2.0460% | 264 |
| Return on assets (ROA) | 2.0460% | 291 |
| Pretax return on assets | 2.0460% | 500 |
| Return on Equity (ROE) | 18.8653% | 369 |
| Retained earnings to average equity (ytd only) | 10.5743% | 539 |
| Net charge-offs to loans | 0.1434% | 5,267 |
| Credit loss provision to net charge-offs | 160.0000% | 2,966 |
| Earnings coverage of net charge-offs (x) | 19.5300% | 1,286 |
| Efficiency ratio | 54.4543% | 7,186 |
| Assets per employee ($millions) | 4.0928% | 3,577 |
| Cash dividends to net income (ytd only)* | 43.9486% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9104% | 6,720 |
| Loan loss allowance to noncurrent loans | 2,246.1538% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0329% | 7,496 |
| Noncurrent loans to loans | 0.0405% | 7,411 |
| Net loans and leases to total assets | 80.3314% | 1,119 |
| Net loans and leases to deposits | 94.9057% | 1,731 |
| Net loans and leases to core deposits | 121.0464% | 2,153 |
| Total domestic deposits to total assets | 84.6434% | 3,409 |
| Equity capital to assets | 11.1010% | 2,923 |
| Core capital (leverage) ratio | 11.0652% | 2,361 |
| Tier 1 risk-based capital ratio | 13.1007% | 4,120 |
| Total risk-based capital ratio | 13.9815% | 4,317 |
| Memoranda: | ||
| Average total assets | $116,844,500 | 4,678 |
| Average earning assets | $109,623,750 | 4,603 |
| Average equity | $12,672,000 | 4,612 |
| Average total loans | $92,985,500 | 4,171 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3850% | 1,039 |
| Cost of funding earning assets | 1.5037% | 6,124 |
| Net interest margin | 4.8814% | 560 |
| Noninterest income to average assets | 0.2856% | 6,222 |
| Noninterest expense to average assets | 2.6259% | 5,634 |
| Loan and lease loss provision to assets | 0.1721% | 5,345 |
| Net operating income to assets | 2.0683% | 250 |
| Return on assets (ROA) | 2.0683% | 277 |
| Pretax return on assets | 2.0683% | 468 |
| Return on Equity (ROE) | 19.2258% | 389 |
| Retained earnings to average equity (ytd only) | 10.8285% | 588 |
| Net charge-offs to loans | -0.0022% | 7,482 |
| Credit loss provision to net charge-offs | -10,000.0000% | 7,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9604% | 7,337 |
| Assets per employee ($millions) | 4.0498% | 3,591 |
| Cash dividends to net income (ytd only)* | 43.6772% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9466% | 6,573 |
| Loan loss allowance to noncurrent loans | 184.5070% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 0.4232% | 6,407 |
| Noncurrent loans to loans | 0.5131% | 6,245 |
| Net loans and leases to total assets | 81.7004% | 1,011 |
| Net loans and leases to deposits | 96.4963% | 1,722 |
| Net loans and leases to core deposits | 119.8334% | 2,388 |
| Total domestic deposits to total assets | 84.6669% | 3,407 |
| Equity capital to assets | 10.9277% | 2,989 |
| Core capital (leverage) ratio | 10.9592% | 2,438 |
| Tier 1 risk-based capital ratio | 13.6850% | 3,698 |
| Total risk-based capital ratio | 14.6729% | 3,801 |
| Memoranda: | ||
| Average total assets | $116,228,670 | 4,723 |
| Average earning assets | $109,067,670 | 4,654 |
| Average equity | $12,504,000 | 4,677 |
| Average total loans | $91,906,330 | 4,233 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4992% | 867 |
| Cost of funding earning assets | 1.5639% | 6,183 |
| Net interest margin | 4.9353% | 471 |
| Noninterest income to average assets | 0.3287% | 5,819 |
| Noninterest expense to average assets | 2.6950% | 5,026 |
| Loan and lease loss provision to assets | 0.1384% | 5,194 |
| Net operating income to assets | 2.1242% | 269 |
| Return on assets (ROA) | 2.1242% | 315 |
| Pretax return on assets | 2.1242% | 516 |
| Return on Equity (ROE) | 19.9044% | 429 |
| Retained earnings to average equity (ytd only) | 11.3786% | 909 |
| Net charge-offs to loans | -0.0045% | 7,167 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,706 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3615% | 7,183 |
| Assets per employee ($millions) | 3.9458% | 3,781 |
| Cash dividends to net income (ytd only)* | 42.8339% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9511% | 6,484 |
| Loan loss allowance to noncurrent loans | 5,356.2500% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 7,595 |
| Noncurrent loans to loans | 0.0178% | 7,511 |
| Net loans and leases to total assets | 77.9973% | 1,825 |
| Net loans and leases to deposits | 89.4414% | 3,024 |
| Net loans and leases to core deposits | 113.1466% | 3,085 |
| Total domestic deposits to total assets | 87.2049% | 2,120 |
| Equity capital to assets | 10.9572% | 3,003 |
| Core capital (leverage) ratio | 10.8496% | 2,616 |
| Tier 1 risk-based capital ratio | 13.1354% | 4,095 |
| Total risk-based capital ratio | 14.0450% | 4,240 |
| Memoranda: | ||
| Average total assets | $115,620,500 | 4,759 |
| Average earning assets | $108,443,500 | 4,679 |
| Average equity | $12,339,000 | 4,740 |
| Average total loans | $89,424,500 | 4,328 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1519% | 811 |
| Cost of funding earning assets | 2.1776% | 5,692 |
| Net interest margin | 4.9743% | 543 |
| Noninterest income to average assets | 0.2771% | 6,477 |
| Noninterest expense to average assets | 2.5739% | 5,740 |
| Loan and lease loss provision to assets | 0.1515% | 5,428 |
| Net operating income to assets | 2.2122% | 230 |
| Return on assets (ROA) | 2.2122% | 229 |
| Pretax return on assets | 2.2122% | 389 |
| Return on Equity (ROE) | 21.6867% | 271 |
| Retained earnings to average equity (ytd only) | 11.2058% | 303 |
| Net charge-offs to loans | 0.0705% | 5,763 |
| Credit loss provision to net charge-offs | 278.6885% | 1,636 |
| Earnings coverage of net charge-offs (x) | 43.4918% | 848 |
| Efficiency ratio | 52.1292% | 7,473 |
| Assets per employee ($millions) | 4.0281% | 3,454 |
| Cash dividends to net income (ytd only)* | 48.3286% | 3,218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9195% | 6,568 |
| Loan loss allowance to noncurrent loans | 377.7778% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1849% | 6,816 |
| Noncurrent loans to loans | 0.2434% | 6,655 |
| Net loans and leases to total assets | 75.2701% | 2,813 |
| Net loans and leases to deposits | 85.8074% | 4,144 |
| Net loans and leases to core deposits | 109.1828% | 3,843 |
| Total domestic deposits to total assets | 87.7198% | 1,600 |
| Equity capital to assets | 10.3926% | 3,621 |
| Core capital (leverage) ratio | 10.3851% | 3,087 |
| Tier 1 risk-based capital ratio | 13.6224% | 3,745 |
| Total risk-based capital ratio | 14.5467% | 3,843 |
| Memoranda: | ||
| Average total assets | $112,241,400 | 4,716 |
| Average earning assets | $105,160,400 | 4,641 |
| Average equity | $11,449,400 | 4,985 |
| Average total loans | $86,464,600 | 4,321 |