Home > Eureka Bank > Performance and Condition Ratios
Eureka Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6279% | 1,262 |
| Cost of funding earning assets | 0.5634% | 1,648 |
| Net interest margin | 4.0645% | 1,504 |
| Noninterest income to average assets | 0.0743% | 5,936 |
| Noninterest expense to average assets | 2.6305% | 3,818 |
| Loan and lease loss provision to assets | 0.0256% | 3,876 |
| Net operating income to assets | 0.8911% | 2,921 |
| Return on assets (ROA) | 0.6773% | 4,016 |
| Pretax return on assets | 1.0979% | 3,075 |
| Return on Equity (ROE) | 4.7325% | 4,637 |
| Retained earnings to average equity (ytd only) | 0.2594% | 5,411 |
| Net charge-offs to loans | 0.0634% | 2,956 |
| Credit loss provision to net charge-offs | 47.0588% | 3,448 |
| Earnings coverage of net charge-offs (x) | 24.5765% | 1,664 |
| Efficiency ratio | 66.2956% | 3,856 |
| Assets per employee ($millions) | 7.6352% | 648 |
| Cash dividends to net income (ytd only)* | 94.5180% | 507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9885% | 4,680 |
| Loan loss allowance to noncurrent loans | 337.3434% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.6503% | 3,099 |
| Noncurrent loans to loans | 0.2930% | 4,410 |
| Net loans and leases to total assets | 88.2864% | 114 |
| Net loans and leases to deposits | 108.6499% | 277 |
| Net loans and leases to core deposits | 131.4585% | 248 |
| Total domestic deposits to total assets | 81.2577% | 4,412 |
| Equity capital to assets | 14.8419% | 697 |
| Core capital (leverage) ratio | 14.7493% | 663 |
| Tier 1 risk-based capital ratio | 20.7090% | 1,346 |
| Total risk-based capital ratio | 21.9368% | 1,325 |
| Memoranda: | ||
| Average total assets | $156,205,200 | 3,481 |
| Average earning assets | $149,635,400 | 3,411 |
| Average equity | $22,356,000 | 2,932 |
| Average total loans | $134,077,800 | 2,817 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5923% | 1,349 |
| Cost of funding earning assets | 0.5667% | 1,655 |
| Net interest margin | 4.0255% | 1,622 |
| Noninterest income to average assets | 0.0535% | 6,084 |
| Noninterest expense to average assets | 2.3800% | 4,569 |
| Loan and lease loss provision to assets | 0.0340% | 3,544 |
| Net operating income to assets | 1.0466% | 2,232 |
| Return on assets (ROA) | 0.8182% | 3,429 |
| Pretax return on assets | 1.2698% | 2,511 |
| Return on Equity (ROE) | 5.7691% | 4,267 |
| Retained earnings to average equity (ytd only) | -0.2154% | 5,641 |
| Net charge-offs to loans | 0.0849% | 2,334 |
| Credit loss provision to net charge-offs | 47.0588% | 3,070 |
| Earnings coverage of net charge-offs (x) | 21.2354% | 1,834 |
| Efficiency ratio | 60.8375% | 4,766 |
| Assets per employee ($millions) | 7.8706% | 572 |
| Cash dividends to net income (ytd only)* | 103.7345% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 4,813 |
| Loan loss allowance to noncurrent loans | 445.6954% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.5692% | 3,592 |
| Noncurrent loans to loans | 0.2213% | 4,772 |
| Net loans and leases to total assets | 85.8218% | 239 |
| Net loans and leases to deposits | 102.9029% | 502 |
| Net loans and leases to core deposits | 129.1397% | 289 |
| Total domestic deposits to total assets | 83.4008% | 3,655 |
| Equity capital to assets | 14.3008% | 915 |
| Core capital (leverage) ratio | 14.3709% | 762 |
| Tier 1 risk-based capital ratio | 20.7176% | 1,398 |
| Total risk-based capital ratio | 21.9534% | 1,368 |
| Memoranda: | ||
| Average total assets | $157,080,750 | 3,505 |
| Average earning assets | $150,568,500 | 3,424 |
| Average equity | $22,279,000 | 2,957 |
| Average total loans | $133,556,750 | 2,842 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5654% | 1,363 |
| Cost of funding earning assets | 0.5617% | 1,716 |
| Net interest margin | 4.0037% | 1,628 |
| Noninterest income to average assets | 0.0828% | 6,081 |
| Noninterest expense to average assets | 2.3788% | 4,624 |
| Loan and lease loss provision to assets | 0.0510% | 3,101 |
| Net operating income to assets | 1.0053% | 2,369 |
| Return on assets (ROA) | 1.0053% | 2,471 |
| Pretax return on assets | 1.4945% | 1,663 |
| Return on Equity (ROE) | 7.1076% | 3,544 |
| Retained earnings to average equity (ytd only) | -1.9008% | 5,819 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6169% | 4,891 |
| Assets per employee ($millions) | 7.8313% | 573 |
| Cash dividends to net income (ytd only)* | 126.7427% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0633% | 4,519 |
| Loan loss allowance to noncurrent loans | 473.8411% | 1,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 3,824 |
| Noncurrent loans to loans | 0.2244% | 4,885 |
| Net loans and leases to total assets | 85.0146% | 292 |
| Net loans and leases to deposits | 101.7522% | 562 |
| Net loans and leases to core deposits | 126.5900% | 327 |
| Total domestic deposits to total assets | 83.5506% | 3,739 |
| Equity capital to assets | 14.2052% | 909 |
| Core capital (leverage) ratio | 14.2761% | 767 |
| Tier 1 risk-based capital ratio | 21.3658% | 1,299 |
| Total risk-based capital ratio | 22.6151% | 1,282 |
| Memoranda: | ||
| Average total assets | $156,970,670 | 3,529 |
| Average earning assets | $150,609,670 | 3,447 |
| Average equity | $22,201,670 | 2,979 |
| Average total loans | $132,596,000 | 2,862 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5663% | 1,297 |
| Cost of funding earning assets | 0.5483% | 1,865 |
| Net interest margin | 4.0180% | 1,498 |
| Noninterest income to average assets | 0.1145% | 6,020 |
| Noninterest expense to average assets | 2.3825% | 4,642 |
| Loan and lease loss provision to assets | 0.0764% | 2,425 |
| Net operating income to assets | 1.0105% | 2,217 |
| Return on assets (ROA) | 1.0105% | 2,351 |
| Pretax return on assets | 1.5171% | 1,506 |
| Return on Equity (ROE) | 7.1602% | 3,421 |
| Retained earnings to average equity (ytd only) | -10.8756% | 6,153 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9232% | 5,098 |
| Assets per employee ($millions) | 7.5192% | 668 |
| Cash dividends to net income (ytd only)* | 251.8892% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 4,666 |
| Loan loss allowance to noncurrent loans | 420.4142% | 1,161 |
| Noncurrent assets plus other real estate owned to assets | 0.5288% | 3,911 |
| Noncurrent loans to loans | 0.2542% | 4,875 |
| Net loans and leases to total assets | 83.3214% | 354 |
| Net loans and leases to deposits | 99.2284% | 605 |
| Net loans and leases to core deposits | 124.8039% | 314 |
| Total domestic deposits to total assets | 83.9693% | 3,831 |
| Equity capital to assets | 13.8699% | 1,026 |
| Core capital (leverage) ratio | 14.0086% | 822 |
| Tier 1 risk-based capital ratio | 21.5060% | 1,322 |
| Total risk-based capital ratio | 22.7574% | 1,297 |
| Memoranda: | ||
| Average total assets | $157,143,000 | 3,551 |
| Average earning assets | $151,020,500 | 3,448 |
| Average equity | $22,178,000 | 3,003 |
| Average total loans | $131,601,000 | 2,889 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7169% | 1,265 |
| Cost of funding earning assets | 0.5848% | 1,907 |
| Net interest margin | 4.1321% | 1,484 |
| Noninterest income to average assets | 0.0775% | 6,224 |
| Noninterest expense to average assets | 2.4264% | 4,772 |
| Loan and lease loss provision to assets | 0.0543% | 3,467 |
| Net operating income to assets | 1.0396% | 2,215 |
| Return on assets (ROA) | 1.0396% | 2,291 |
| Pretax return on assets | 1.5716% | 1,317 |
| Return on Equity (ROE) | 7.1605% | 3,546 |
| Retained earnings to average equity (ytd only) | 3.7377% | 3,556 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8757% | 5,240 |
| Assets per employee ($millions) | 7.4468% | 676 |
| Cash dividends to net income (ytd only)* | 47.8011% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 4,708 |
| Loan loss allowance to noncurrent loans | 182.5459% | 2,411 |
| Noncurrent assets plus other real estate owned to assets | 0.4873% | 4,179 |
| Noncurrent loans to loans | 0.5852% | 3,914 |
| Net loans and leases to total assets | 82.3766% | 484 |
| Net loans and leases to deposits | 98.4547% | 728 |
| Net loans and leases to core deposits | 123.5807% | 329 |
| Total domestic deposits to total assets | 83.6696% | 3,855 |
| Equity capital to assets | 14.3590% | 849 |
| Core capital (leverage) ratio | 14.3884% | 729 |
| Tier 1 risk-based capital ratio | 22.1744% | 1,200 |
| Total risk-based capital ratio | 23.4240% | 1,177 |
| Memoranda: | ||
| Average total assets | $150,925,400 | 3,621 |
| Average earning assets | $145,180,400 | 3,521 |
| Average equity | $21,911,800 | 2,958 |
| Average total loans | $127,471,800 | 2,909 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 1,207 |
| Cost of funding earning assets | 0.5945% | 1,890 |
| Net interest margin | 4.1481% | 1,438 |
| Noninterest income to average assets | 0.0883% | 6,286 |
| Noninterest expense to average assets | 2.4364% | 4,712 |
| Loan and lease loss provision to assets | 0.0464% | 3,460 |
| Net operating income to assets | 1.0626% | 2,186 |
| Return on assets (ROA) | 1.0626% | 2,251 |
| Pretax return on assets | 1.5931% | 1,343 |
| Return on Equity (ROE) | 7.2984% | 3,553 |
| Retained earnings to average equity (ytd only) | 2.7063% | 4,664 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7769% | 5,212 |
| Assets per employee ($millions) | 7.3444% | 689 |
| Cash dividends to net income (ytd only)* | 62.9199% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 4,981 |
| Loan loss allowance to noncurrent loans | 160.4953% | 2,577 |
| Noncurrent assets plus other real estate owned to assets | 0.5498% | 4,205 |
| Noncurrent loans to loans | 0.6551% | 3,976 |
| Net loans and leases to total assets | 83.0489% | 400 |
| Net loans and leases to deposits | 99.3000% | 652 |
| Net loans and leases to core deposits | 120.4491% | 389 |
| Total domestic deposits to total assets | 83.6344% | 3,905 |
| Equity capital to assets | 14.2461% | 929 |
| Core capital (leverage) ratio | 14.3245% | 763 |
| Tier 1 risk-based capital ratio | 22.4099% | 1,202 |
| Total risk-based capital ratio | 23.6606% | 1,187 |
| Memoranda: | ||
| Average total assets | $149,561,000 | 3,664 |
| Average earning assets | $143,771,500 | 3,575 |
| Average equity | $21,776,000 | 2,973 |
| Average total loans | $126,786,250 | 2,938 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7593% | 1,158 |
| Cost of funding earning assets | 0.6002% | 1,895 |
| Net interest margin | 4.1591% | 1,354 |
| Noninterest income to average assets | 0.0932% | 6,309 |
| Noninterest expense to average assets | 2.4526% | 4,726 |
| Loan and lease loss provision to assets | 0.0541% | 3,222 |
| Net operating income to assets | 1.0513% | 2,115 |
| Return on assets (ROA) | 1.0513% | 2,187 |
| Pretax return on assets | 1.5851% | 1,290 |
| Return on Equity (ROE) | 7.1670% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.1670% | 1,684 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9406% | 5,305 |
| Assets per employee ($millions) | 7.3043% | 695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0543% | 5,096 |
| Loan loss allowance to noncurrent loans | 157.9625% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 0.5567% | 4,320 |
| Noncurrent loans to loans | 0.6674% | 4,041 |
| Net loans and leases to total assets | 82.5374% | 419 |
| Net loans and leases to deposits | 102.4014% | 424 |
| Net loans and leases to core deposits | 120.2361% | 375 |
| Total domestic deposits to total assets | 80.6019% | 5,098 |
| Equity capital to assets | 14.5100% | 817 |
| Core capital (leverage) ratio | 14.6045% | 676 |
| Tier 1 risk-based capital ratio | 22.9903% | 1,110 |
| Total risk-based capital ratio | 24.2403% | 1,096 |
| Memoranda: | ||
| Average total assets | $148,004,000 | 3,712 |
| Average earning assets | $142,290,000 | 3,613 |
| Average equity | $21,710,670 | 2,981 |
| Average total loans | $125,898,670 | 2,947 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 1,035 |
| Cost of funding earning assets | 0.6185% | 1,829 |
| Net interest margin | 4.1864% | 1,255 |
| Noninterest income to average assets | 0.0826% | 6,385 |
| Noninterest expense to average assets | 2.5050% | 4,604 |
| Loan and lease loss provision to assets | 0.0413% | 3,263 |
| Net operating income to assets | 1.0433% | 2,031 |
| Return on assets (ROA) | 1.0433% | 2,108 |
| Pretax return on assets | 1.5608% | 1,260 |
| Return on Equity (ROE) | 7.0717% | 3,437 |
| Retained earnings to average equity (ytd only) | 7.0717% | 2,013 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9920% | 5,266 |
| Assets per employee ($millions) | 7.0075% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,312 |
| Loan loss allowance to noncurrent loans | 148.5971% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 4,324 |
| Noncurrent loans to loans | 0.7074% | 4,101 |
| Net loans and leases to total assets | 84.6966% | 201 |
| Net loans and leases to deposits | 106.2123% | 232 |
| Net loans and leases to core deposits | 118.5472% | 348 |
| Total domestic deposits to total assets | 79.7427% | 5,536 |
| Equity capital to assets | 14.7720% | 718 |
| Core capital (leverage) ratio | 14.9337% | 610 |
| Tier 1 risk-based capital ratio | 23.0504% | 1,136 |
| Total risk-based capital ratio | 24.3007% | 1,128 |
| Memoranda: | ||
| Average total assets | $145,310,500 | 3,780 |
| Average earning assets | $139,689,500 | 3,671 |
| Average equity | $21,437,500 | 3,001 |
| Average total loans | $124,871,000 | 2,973 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9102% | 1,074 |
| Cost of funding earning assets | 0.7984% | 1,220 |
| Net interest margin | 4.1118% | 1,610 |
| Noninterest income to average assets | 0.1085% | 6,359 |
| Noninterest expense to average assets | 2.4187% | 5,020 |
| Loan and lease loss provision to assets | 0.0895% | 3,321 |
| Net operating income to assets | 1.0170% | 2,260 |
| Return on assets (ROA) | 1.0170% | 2,317 |
| Pretax return on assets | 1.5674% | 1,253 |
| Return on Equity (ROE) | 6.8010% | 3,673 |
| Retained earnings to average equity (ytd only) | 2.0879% | 4,748 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3464% | 5,558 |
| Assets per employee ($millions) | 7.1732% | 699 |
| Cash dividends to net income (ytd only)* | 69.3001% | 1,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0575% | 5,314 |
| Loan loss allowance to noncurrent loans | 145.6062% | 2,739 |
| Noncurrent assets plus other real estate owned to assets | 0.6266% | 4,357 |
| Noncurrent loans to loans | 0.7263% | 4,149 |
| Net loans and leases to total assets | 85.3678% | 186 |
| Net loans and leases to deposits | 106.8682% | 238 |
| Net loans and leases to core deposits | 118.7757% | 353 |
| Total domestic deposits to total assets | 79.8814% | 5,471 |
| Equity capital to assets | 14.7333% | 724 |
| Core capital (leverage) ratio | 15.0358% | 598 |
| Tier 1 risk-based capital ratio | 22.3233% | 1,200 |
| Total risk-based capital ratio | 23.5745% | 1,178 |
| Memoranda: | ||
| Average total assets | $141,893,800 | 3,847 |
| Average earning assets | $136,899,800 | 3,711 |
| Average equity | $21,217,400 | 3,011 |
| Average total loans | $120,954,000 | 3,016 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 1,064 |
| Cost of funding earning assets | 0.8293% | 1,154 |
| Net interest margin | 4.1028% | 1,624 |
| Noninterest income to average assets | 0.1112% | 6,447 |
| Noninterest expense to average assets | 2.4075% | 5,006 |
| Loan and lease loss provision to assets | 0.1102% | 2,931 |
| Net operating income to assets | 1.0129% | 2,328 |
| Return on assets (ROA) | 1.0129% | 2,414 |
| Pretax return on assets | 1.5557% | 1,458 |
| Return on Equity (ROE) | 6.7489% | 3,795 |
| Retained earnings to average equity (ytd only) | 0.4709% | 5,780 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1025% | 5,542 |
| Assets per employee ($millions) | 7.1023% | 708 |
| Cash dividends to net income (ytd only)* | 93.0231% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 5,491 |
| Loan loss allowance to noncurrent loans | 306.3679% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2985% | 5,532 |
| Noncurrent loans to loans | 0.3454% | 5,347 |
| Net loans and leases to total assets | 85.4991% | 170 |
| Net loans and leases to deposits | 102.1395% | 374 |
| Net loans and leases to core deposits | 113.1032% | 475 |
| Total domestic deposits to total assets | 83.7081% | 4,312 |
| Equity capital to assets | 14.6537% | 786 |
| Core capital (leverage) ratio | 14.9078% | 656 |
| Tier 1 risk-based capital ratio | 22.5236% | 1,218 |
| Total risk-based capital ratio | 23.7734% | 1,199 |
| Memoranda: | ||
| Average total assets | $141,501,250 | 3,894 |
| Average earning assets | $136,650,500 | 3,751 |
| Average equity | $21,237,500 | 3,050 |
| Average total loans | $120,247,250 | 3,054 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9643% | 968 |
| Cost of funding earning assets | 0.8352% | 1,232 |
| Net interest margin | 4.1291% | 1,468 |
| Noninterest income to average assets | 0.0609% | 6,635 |
| Noninterest expense to average assets | 2.4059% | 5,037 |
| Loan and lease loss provision to assets | 0.1160% | 2,871 |
| Net operating income to assets | 0.9963% | 2,343 |
| Return on assets (ROA) | 0.9963% | 2,483 |
| Pretax return on assets | 1.5270% | 1,542 |
| Return on Equity (ROE) | 6.5861% | 3,837 |
| Retained earnings to average equity (ytd only) | 6.5861% | 2,099 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4198% | 5,554 |
| Assets per employee ($millions) | 6.7807% | 801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 5,704 |
| Loan loss allowance to noncurrent loans | 138.5965% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.6405% | 4,631 |
| Noncurrent loans to loans | 0.7446% | 4,433 |
| Net loans and leases to total assets | 85.1279% | 180 |
| Net loans and leases to deposits | 102.1842% | 326 |
| Net loans and leases to core deposits | 112.9375% | 465 |
| Total domestic deposits to total assets | 83.3083% | 4,586 |
| Equity capital to assets | 15.2380% | 669 |
| Core capital (leverage) ratio | 15.2949% | 559 |
| Tier 1 risk-based capital ratio | 22.7409% | 1,177 |
| Total risk-based capital ratio | 23.9626% | 1,156 |
| Memoranda: | ||
| Average total assets | $141,319,670 | 3,924 |
| Average earning assets | $136,494,670 | 3,788 |
| Average equity | $21,378,330 | 3,054 |
| Average total loans | $119,414,000 | 3,083 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 921 |
| Cost of funding earning assets | 0.8772% | 1,100 |
| Net interest margin | 4.1065% | 1,441 |
| Noninterest income to average assets | 0.0483% | 6,740 |
| Noninterest expense to average assets | 2.4406% | 4,979 |
| Loan and lease loss provision to assets | 0.1193% | 2,738 |
| Net operating income to assets | 0.9603% | 2,400 |
| Return on assets (ROA) | 0.9603% | 2,529 |
| Pretax return on assets | 1.4519% | 1,707 |
| Return on Equity (ROE) | 6.3718% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.3718% | 2,470 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8357% | 5,471 |
| Assets per employee ($millions) | 6.6719% | 908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 5,903 |
| Loan loss allowance to noncurrent loans | 196.7846% | 1,927 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 5,273 |
| Noncurrent loans to loans | 0.5207% | 5,136 |
| Net loans and leases to total assets | 84.3894% | 179 |
| Net loans and leases to deposits | 101.2225% | 306 |
| Net loans and leases to core deposits | 111.1406% | 460 |
| Total domestic deposits to total assets | 83.3702% | 4,725 |
| Equity capital to assets | 15.2723% | 694 |
| Core capital (leverage) ratio | 15.2751% | 553 |
| Tier 1 risk-based capital ratio | 22.3443% | 1,270 |
| Total risk-based capital ratio | 23.5616% | 1,250 |
| Memoranda: | ||
| Average total assets | $140,782,500 | 3,967 |
| Average earning assets | $135,882,500 | 3,829 |
| Average equity | $21,218,500 | 3,108 |
| Average total loans | $117,880,500 | 3,128 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0708% | 1,377 |
| Cost of funding earning assets | 0.9687% | 1,538 |
| Net interest margin | 4.1021% | 1,991 |
| Noninterest income to average assets | 0.1135% | 6,458 |
| Noninterest expense to average assets | 2.4062% | 5,391 |
| Loan and lease loss provision to assets | 0.1156% | 4,183 |
| Net operating income to assets | 0.9940% | 2,364 |
| Return on assets (ROA) | 0.9940% | 2,586 |
| Pretax return on assets | 1.5442% | 1,543 |
| Return on Equity (ROE) | 6.8630% | 3,719 |
| Retained earnings to average equity (ytd only) | 6.8630% | 1,632 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1787% | 5,672 |
| Assets per employee ($millions) | 6.7360% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 5,909 |
| Loan loss allowance to noncurrent loans | 93.6609% | 3,494 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 4,259 |
| Noncurrent loans to loans | 1.0851% | 4,038 |
| Net loans and leases to total assets | 81.3807% | 369 |
| Net loans and leases to deposits | 96.8175% | 572 |
| Net loans and leases to core deposits | 106.0996% | 686 |
| Total domestic deposits to total assets | 84.0557% | 4,290 |
| Equity capital to assets | 14.8733% | 776 |
| Core capital (leverage) ratio | 14.8419% | 597 |
| Tier 1 risk-based capital ratio | 22.9233% | 1,122 |
| Total risk-based capital ratio | 24.1641% | 1,108 |
| Memoranda: | ||
| Average total assets | $140,137,200 | 3,951 |
| Average earning assets | $135,027,200 | 3,809 |
| Average equity | $20,297,200 | 3,164 |
| Average total loans | $111,760,400 | 3,257 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1179% | 1,385 |
| Cost of funding earning assets | 0.9804% | 1,677 |
| Net interest margin | 4.1375% | 1,944 |
| Noninterest income to average assets | 0.1135% | 6,568 |
| Noninterest expense to average assets | 2.4013% | 5,396 |
| Loan and lease loss provision to assets | 0.1163% | 4,107 |
| Net operating income to assets | 1.0328% | 2,356 |
| Return on assets (ROA) | 1.0328% | 2,572 |
| Pretax return on assets | 1.5802% | 1,640 |
| Return on Equity (ROE) | 7.1797% | 3,709 |
| Retained earnings to average equity (ytd only) | 7.1797% | 2,021 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5990% | 5,710 |
| Assets per employee ($millions) | 6.9442% | 765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 6,059 |
| Loan loss allowance to noncurrent loans | 173.0303% | 2,006 |
| Noncurrent assets plus other real estate owned to assets | 0.4752% | 5,481 |
| Noncurrent loans to loans | 0.5812% | 5,277 |
| Net loans and leases to total assets | 80.9480% | 437 |
| Net loans and leases to deposits | 96.4590% | 633 |
| Net loans and leases to core deposits | 106.4108% | 715 |
| Total domestic deposits to total assets | 83.9196% | 4,258 |
| Equity capital to assets | 14.8845% | 851 |
| Core capital (leverage) ratio | 14.8525% | 635 |
| Tier 1 risk-based capital ratio | 22.5392% | 1,245 |
| Total risk-based capital ratio | 23.7689% | 1,223 |
| Memoranda: | ||
| Average total assets | $139,807,750 | 3,991 |
| Average earning assets | $134,636,250 | 3,858 |
| Average equity | $20,111,750 | 3,222 |
| Average total loans | $110,625,750 | 3,315 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1546% | 1,361 |
| Cost of funding earning assets | 0.9772% | 1,894 |
| Net interest margin | 4.1774% | 1,819 |
| Noninterest income to average assets | 0.0557% | 6,837 |
| Noninterest expense to average assets | 2.3680% | 5,572 |
| Loan and lease loss provision to assets | 0.0885% | 4,471 |
| Net operating income to assets | 1.0591% | 2,209 |
| Return on assets (ROA) | 1.0591% | 2,440 |
| Pretax return on assets | 1.6201% | 1,488 |
| Return on Equity (ROE) | 7.4479% | 3,550 |
| Retained earnings to average equity (ytd only) | 7.4479% | 1,898 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0882% | 5,858 |
| Assets per employee ($millions) | 7.5959% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 6,231 |
| Loan loss allowance to noncurrent loans | 234.1991% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 0.3201% | 5,964 |
| Noncurrent loans to loans | 0.4185% | 5,697 |
| Net loans and leases to total assets | 75.7364% | 1,000 |
| Net loans and leases to deposits | 89.4469% | 1,200 |
| Net loans and leases to core deposits | 98.3746% | 1,234 |
| Total domestic deposits to total assets | 84.6719% | 4,017 |
| Equity capital to assets | 14.0747% | 1,067 |
| Core capital (leverage) ratio | 13.9458% | 819 |
| Tier 1 risk-based capital ratio | 22.3695% | 1,223 |
| Total risk-based capital ratio | 23.5739% | 1,213 |
| Memoranda: | ||
| Average total assets | $140,116,000 | 4,007 |
| Average earning assets | $134,869,000 | 3,869 |
| Average equity | $19,925,000 | 3,228 |
| Average total loans | $109,646,000 | 3,346 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2668% | 1,177 |
| Cost of funding earning assets | 1.0022% | 1,971 |
| Net interest margin | 4.2646% | 1,576 |
| Noninterest income to average assets | 0.0638% | 6,880 |
| Noninterest expense to average assets | 2.2752% | 5,839 |
| Loan and lease loss provision to assets | 0.0869% | 4,294 |
| Net operating income to assets | 1.1303% | 1,952 |
| Return on assets (ROA) | 1.1303% | 2,137 |
| Pretax return on assets | 1.8085% | 1,054 |
| Return on Equity (ROE) | 7.9063% | 3,329 |
| Retained earnings to average equity (ytd only) | 7.9063% | 2,023 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5518% | 6,289 |
| Assets per employee ($millions) | 6.3094% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 6,417 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 78.8777% | 502 |
| Net loans and leases to deposits | 93.4628% | 700 |
| Net loans and leases to core deposits | 103.8205% | 778 |
| Total domestic deposits to total assets | 84.3948% | 4,323 |
| Equity capital to assets | 14.3647% | 905 |
| Core capital (leverage) ratio | 13.8987% | 828 |
| Tier 1 risk-based capital ratio | 21.6806% | 1,338 |
| Total risk-based capital ratio | 22.8670% | 1,334 |
| Memoranda: | ||
| Average total assets | $138,012,500 | 4,073 |
| Average earning assets | $132,908,500 | 3,925 |
| Average equity | $19,731,000 | 3,259 |
| Average total loans | $109,275,500 | 3,369 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2317% | 1,944 |
| Cost of funding earning assets | 1.2598% | 1,682 |
| Net interest margin | 3.9719% | 3,014 |
| Noninterest income to average assets | 0.0661% | 6,767 |
| Noninterest expense to average assets | 2.2316% | 6,205 |
| Loan and lease loss provision to assets | 0.0720% | 5,716 |
| Net operating income to assets | 1.0589% | 1,966 |
| Return on assets (ROA) | 1.0589% | 2,108 |
| Pretax return on assets | 1.5619% | 1,305 |
| Return on Equity (ROE) | 8.0273% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.0273% | 1,066 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7318% | 6,086 |
| Assets per employee ($millions) | 6.5342% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9443% | 6,418 |
| Loan loss allowance to noncurrent loans | 17,000.0000% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 6,992 |
| Noncurrent loans to loans | 0.0056% | 6,853 |
| Net loans and leases to total assets | 77.9732% | 712 |
| Net loans and leases to deposits | 92.0751% | 964 |
| Net loans and leases to core deposits | 99.3712% | 1,226 |
| Total domestic deposits to total assets | 84.6843% | 4,005 |
| Equity capital to assets | 14.2276% | 994 |
| Core capital (leverage) ratio | 13.5884% | 934 |
| Tier 1 risk-based capital ratio | 21.3469% | 1,345 |
| Total risk-based capital ratio | 22.5234% | 1,341 |
| Memoranda: | ||
| Average total assets | $136,182,400 | 4,050 |
| Average earning assets | $130,263,800 | 3,925 |
| Average equity | $17,963,600 | 3,427 |
| Average total loans | $103,617,200 | 3,529 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 2,087 |
| Cost of funding earning assets | 1.3091% | 1,653 |
| Net interest margin | 3.9233% | 3,258 |
| Noninterest income to average assets | 0.0667% | 6,887 |
| Noninterest expense to average assets | 2.2581% | 6,155 |
| Loan and lease loss provision to assets | 0.0765% | 5,490 |
| Net operating income to assets | 1.0417% | 2,171 |
| Return on assets (ROA) | 1.0417% | 2,322 |
| Pretax return on assets | 1.4773% | 1,713 |
| Return on Equity (ROE) | 8.0572% | 3,016 |
| Retained earnings to average equity (ytd only) | 8.0572% | 1,491 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2383% | 5,832 |
| Assets per employee ($millions) | 6.2520% | 1,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 6,435 |
| Loan loss allowance to noncurrent loans | 4,545.4545% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 7,027 |
| Noncurrent loans to loans | 0.0210% | 6,887 |
| Net loans and leases to total assets | 75.3572% | 1,082 |
| Net loans and leases to deposits | 88.6231% | 1,363 |
| Net loans and leases to core deposits | 95.9101% | 1,614 |
| Total domestic deposits to total assets | 85.0311% | 3,757 |
| Equity capital to assets | 13.9016% | 1,195 |
| Core capital (leverage) ratio | 13.2616% | 1,122 |
| Tier 1 risk-based capital ratio | 21.3177% | 1,399 |
| Total risk-based capital ratio | 22.4951% | 1,390 |
| Memoranda: | ||
| Average total assets | $135,923,250 | 4,081 |
| Average earning assets | $129,750,500 | 3,962 |
| Average equity | $17,573,750 | 3,493 |
| Average total loans | $102,518,000 | 3,585 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2169% | 2,198 |
| Cost of funding earning assets | 1.3551% | 1,624 |
| Net interest margin | 3.8619% | 3,478 |
| Noninterest income to average assets | 0.0620% | 6,993 |
| Noninterest expense to average assets | 2.2130% | 6,350 |
| Loan and lease loss provision to assets | 0.0709% | 5,425 |
| Net operating income to assets | 1.0474% | 2,044 |
| Return on assets (ROA) | 1.0474% | 2,141 |
| Pretax return on assets | 1.4537% | 1,655 |
| Return on Equity (ROE) | 8.3128% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.3128% | 1,338 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2095% | 5,996 |
| Assets per employee ($millions) | 6.2705% | 1,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 6,564 |
| Loan loss allowance to noncurrent loans | 208.1545% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.3378% | 6,284 |
| Noncurrent loans to loans | 0.4494% | 6,012 |
| Net loans and leases to total assets | 74.4661% | 1,332 |
| Net loans and leases to deposits | 87.2600% | 1,616 |
| Net loans and leases to core deposits | 94.9689% | 1,802 |
| Total domestic deposits to total assets | 85.3382% | 3,710 |
| Equity capital to assets | 13.5883% | 1,251 |
| Core capital (leverage) ratio | 12.9477% | 1,186 |
| Tier 1 risk-based capital ratio | 20.5472% | 1,507 |
| Total risk-based capital ratio | 21.6714% | 1,500 |
| Memoranda: | ||
| Average total assets | $135,382,670 | 4,118 |
| Average earning assets | $128,849,330 | 4,014 |
| Average equity | $17,058,000 | 3,556 |
| Average total loans | $101,807,330 | 3,636 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2549% | 2,027 |
| Cost of funding earning assets | 1.4271% | 1,481 |
| Net interest margin | 3.8277% | 3,478 |
| Noninterest income to average assets | 0.0626% | 7,083 |
| Noninterest expense to average assets | 2.1328% | 6,562 |
| Loan and lease loss provision to assets | 0.0537% | 5,332 |
| Net operating income to assets | 0.8859% | 2,636 |
| Return on assets (ROA) | 0.8859% | 2,702 |
| Pretax return on assets | 1.5004% | 1,447 |
| Return on Equity (ROE) | 7.3268% | 3,233 |
| Retained earnings to average equity (ytd only) | 7.3268% | 2,013 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8479% | 6,287 |
| Assets per employee ($millions) | 6.8628% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 6,638 |
| Loan loss allowance to noncurrent loans | 2,043.4783% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 7,084 |
| Noncurrent loans to loans | 0.0452% | 6,936 |
| Net loans and leases to total assets | 73.4072% | 1,433 |
| Net loans and leases to deposits | 85.8973% | 1,749 |
| Net loans and leases to core deposits | 93.0625% | 2,001 |
| Total domestic deposits to total assets | 85.4592% | 3,807 |
| Equity capital to assets | 13.3642% | 1,235 |
| Core capital (leverage) ratio | 12.6617% | 1,263 |
| Tier 1 risk-based capital ratio | 20.3633% | 1,510 |
| Total risk-based capital ratio | 21.4737% | 1,509 |
| Memoranda: | ||
| Average total assets | $134,099,000 | 4,172 |
| Average earning assets | $126,968,000 | 4,084 |
| Average equity | $16,214,500 | 3,691 |
| Average total loans | $100,863,000 | 3,696 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3616% | 2,850 |
| Cost of funding earning assets | 1.7065% | 1,572 |
| Net interest margin | 3.6551% | 4,553 |
| Noninterest income to average assets | 0.0717% | 7,026 |
| Noninterest expense to average assets | 2.2428% | 6,503 |
| Loan and lease loss provision to assets | 0.0701% | 6,441 |
| Net operating income to assets | 0.7384% | 3,056 |
| Return on assets (ROA) | 0.5895% | 3,879 |
| Pretax return on assets | 0.9672% | 3,040 |
| Return on Equity (ROE) | 5.3495% | 3,933 |
| Retained earnings to average equity (ytd only) | 5.3495% | 2,226 |
| Net charge-offs to loans | 0.0020% | 6,835 |
| Credit loss provision to net charge-offs | 4,350.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 788.5000% | 19 |
| Efficiency ratio | 63.8469% | 5,379 |
| Assets per employee ($millions) | 6.5472% | 927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 6,657 |
| Loan loss allowance to noncurrent loans | 2,144.1860% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 7,157 |
| Noncurrent loans to loans | 0.0430% | 7,023 |
| Net loans and leases to total assets | 75.6887% | 1,336 |
| Net loans and leases to deposits | 85.3858% | 2,210 |
| Net loans and leases to core deposits | 91.1481% | 2,599 |
| Total domestic deposits to total assets | 88.6432% | 1,865 |
| Equity capital to assets | 10.7574% | 2,897 |
| Core capital (leverage) ratio | 9.9985% | 3,096 |
| Tier 1 risk-based capital ratio | 15.4926% | 2,999 |
| Total risk-based capital ratio | 16.5929% | 3,035 |
| Memoranda: | ||
| Average total assets | $124,175,400 | 4,397 |
| Average earning assets | $116,904,400 | 4,293 |
| Average equity | $13,683,600 | 4,217 |
| Average total loans | $97,790,800 | 3,857 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3934% | 2,918 |
| Cost of funding earning assets | 1.7439% | 1,654 |
| Net interest margin | 3.6496% | 4,639 |
| Noninterest income to average assets | 0.0708% | 7,176 |
| Noninterest expense to average assets | 2.2566% | 6,448 |
| Loan and lease loss provision to assets | 0.0762% | 6,285 |
| Net operating income to assets | 0.7347% | 3,260 |
| Return on assets (ROA) | 0.5334% | 4,343 |
| Pretax return on assets | 0.8589% | 3,705 |
| Return on Equity (ROE) | 4.8098% | 4,399 |
| Retained earnings to average equity (ytd only) | 4.8098% | 3,121 |
| Net charge-offs to loans | 0.0027% | 6,643 |
| Credit loss provision to net charge-offs | 3,500.0000% | 83 |
| Earnings coverage of net charge-offs (x) | 573.2697% | 51 |
| Efficiency ratio | 64.3589% | 5,183 |
| Assets per employee ($millions) | 5.7860% | 1,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 6,701 |
| Loan loss allowance to noncurrent loans | 1,533.8983% | 256 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 7,228 |
| Noncurrent loans to loans | 0.0595% | 7,091 |
| Net loans and leases to total assets | 77.1343% | 1,194 |
| Net loans and leases to deposits | 87.8684% | 2,027 |
| Net loans and leases to core deposits | 94.8473% | 2,405 |
| Total domestic deposits to total assets | 87.7839% | 2,107 |
| Equity capital to assets | 10.8735% | 3,085 |
| Core capital (leverage) ratio | 10.0952% | 3,153 |
| Tier 1 risk-based capital ratio | 15.2984% | 3,101 |
| Total risk-based capital ratio | 16.3853% | 3,168 |
| Memoranda: | ||
| Average total assets | $122,483,500 | 4,491 |
| Average earning assets | $115,297,500 | 4,396 |
| Average equity | $13,583,000 | 4,306 |
| Average total loans | $97,230,750 | 3,940 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4190% | 2,895 |
| Cost of funding earning assets | 1.7777% | 1,732 |
| Net interest margin | 3.6414% | 4,627 |
| Noninterest income to average assets | 0.0645% | 7,261 |
| Noninterest expense to average assets | 2.1608% | 6,742 |
| Loan and lease loss provision to assets | 0.0579% | 6,378 |
| Net operating income to assets | 0.8302% | 2,822 |
| Return on assets (ROA) | 0.8140% | 3,054 |
| Pretax return on assets | 1.2508% | 2,254 |
| Return on Equity (ROE) | 7.2905% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.2905% | 1,719 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8371% | 5,718 |
| Assets per employee ($millions) | 5.6670% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 6,772 |
| Loan loss allowance to noncurrent loans | 738.9831% | 451 |
| Noncurrent assets plus other real estate owned to assets | 0.0946% | 7,162 |
| Noncurrent loans to loans | 0.1213% | 7,027 |
| Net loans and leases to total assets | 77.3555% | 1,223 |
| Net loans and leases to deposits | 88.8777% | 2,019 |
| Net loans and leases to core deposits | 96.5918% | 2,380 |
| Total domestic deposits to total assets | 87.0359% | 2,508 |
| Equity capital to assets | 10.9645% | 2,899 |
| Core capital (leverage) ratio | 11.0950% | 2,171 |
| Tier 1 risk-based capital ratio | 16.6787% | 2,412 |
| Total risk-based capital ratio | 17.7286% | 2,429 |
| Memoranda: | ||
| Average total assets | $120,881,000 | 4,550 |
| Average earning assets | $113,857,670 | 4,453 |
| Average equity | $13,497,000 | 4,325 |
| Average total loans | $96,611,000 | 3,996 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3898% | 3,085 |
| Cost of funding earning assets | 1.8297% | 1,752 |
| Net interest margin | 3.5601% | 4,906 |
| Noninterest income to average assets | 0.0572% | 7,425 |
| Noninterest expense to average assets | 2.2423% | 6,574 |
| Loan and lease loss provision to assets | 0.0504% | 6,156 |
| Net operating income to assets | 0.7396% | 3,262 |
| Return on assets (ROA) | 0.7396% | 3,364 |
| Pretax return on assets | 1.1396% | 2,586 |
| Return on Equity (ROE) | 6.5620% | 3,594 |
| Retained earnings to average equity (ytd only) | 6.5620% | 2,343 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3281% | 5,249 |
| Assets per employee ($millions) | 5.8075% | 1,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8854% | 6,882 |
| Loan loss allowance to noncurrent loans | 468.1319% | 684 |
| Noncurrent assets plus other real estate owned to assets | 0.1492% | 7,108 |
| Noncurrent loans to loans | 0.1891% | 6,962 |
| Net loans and leases to total assets | 78.2081% | 1,110 |
| Net loans and leases to deposits | 89.5067% | 1,984 |
| Net loans and leases to core deposits | 97.3941% | 2,409 |
| Total domestic deposits to total assets | 87.3768% | 2,421 |
| Equity capital to assets | 11.0809% | 2,696 |
| Core capital (leverage) ratio | 11.1304% | 2,141 |
| Tier 1 risk-based capital ratio | 17.1874% | 2,203 |
| Total risk-based capital ratio | 18.2656% | 2,214 |
| Memoranda: | ||
| Average total assets | $118,984,000 | 4,656 |
| Average earning assets | $112,806,000 | 4,546 |
| Average equity | $13,410,500 | 4,376 |
| Average total loans | $96,259,000 | 4,068 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8386% | 2,490 |
| Cost of funding earning assets | 2.2461% | 1,849 |
| Net interest margin | 3.5925% | 4,577 |
| Noninterest income to average assets | 0.0822% | 7,342 |
| Noninterest expense to average assets | 2.3369% | 6,646 |
| Loan and lease loss provision to assets | 0.0703% | 6,875 |
| Net operating income to assets | 0.7184% | 2,859 |
| Return on assets (ROA) | 0.7184% | 2,933 |
| Pretax return on assets | 1.0534% | 2,399 |
| Return on Equity (ROE) | 6.1571% | 3,147 |
| Retained earnings to average equity (ytd only) | 6.1571% | 1,293 |
| Net charge-offs to loans | -0.0335% | 7,822 |
| Credit loss provision to net charge-offs | -248.3871% | 7,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5284% | 5,090 |
| Assets per employee ($millions) | 5.5243% | 1,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8693% | 6,924 |
| Loan loss allowance to noncurrent loans | 565.5405% | 596 |
| Noncurrent assets plus other real estate owned to assets | 0.1276% | 7,160 |
| Noncurrent loans to loans | 0.1537% | 7,045 |
| Net loans and leases to total assets | 82.2757% | 644 |
| Net loans and leases to deposits | 94.5910% | 1,516 |
| Net loans and leases to core deposits | 124.6888% | 1,591 |
| Total domestic deposits to total assets | 86.9804% | 2,523 |
| Equity capital to assets | 11.4706% | 2,337 |
| Core capital (leverage) ratio | 11.5133% | 1,909 |
| Tier 1 risk-based capital ratio | 16.8196% | 2,198 |
| Total risk-based capital ratio | 17.8731% | 2,222 |
| Memoranda: | ||
| Average total assets | $109,546,000 | 4,832 |
| Average earning assets | $103,020,800 | 4,759 |
| Average equity | $12,782,000 | 4,559 |
| Average total loans | $92,547,800 | 4,143 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9103% | 2,406 |
| Cost of funding earning assets | 2.3262% | 1,888 |
| Net interest margin | 3.5841% | 4,542 |
| Noninterest income to average assets | 0.0828% | 7,488 |
| Noninterest expense to average assets | 2.4003% | 6,418 |
| Loan and lease loss provision to assets | 0.0889% | 6,478 |
| Net operating income to assets | 0.6794% | 3,278 |
| Return on assets (ROA) | 0.6794% | 3,341 |
| Pretax return on assets | 0.9586% | 3,032 |
| Return on Equity (ROE) | 5.7967% | 3,607 |
| Retained earnings to average equity (ytd only) | 5.7967% | 2,047 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6166% | 4,673 |
| Assets per employee ($millions) | 5.1683% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8391% | 6,996 |
| Loan loss allowance to noncurrent loans | 526.9737% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.1400% | 7,196 |
| Noncurrent loans to loans | 0.1592% | 7,088 |
| Net loans and leases to total assets | 87.2151% | 257 |
| Net loans and leases to deposits | 102.0186% | 920 |
| Net loans and leases to core deposits | 133.8812% | 1,219 |
| Total domestic deposits to total assets | 85.4893% | 2,972 |
| Equity capital to assets | 12.0736% | 2,206 |
| Core capital (leverage) ratio | 12.0055% | 1,800 |
| Tier 1 risk-based capital ratio | 17.0996% | 2,246 |
| Total risk-based capital ratio | 18.2278% | 2,232 |
| Memoranda: | ||
| Average total assets | $107,930,000 | 4,916 |
| Average earning assets | $101,334,250 | 4,836 |
| Average equity | $12,650,750 | 4,617 |
| Average total loans | $91,613,500 | 4,206 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9129% | 2,528 |
| Cost of funding earning assets | 2.4136% | 1,911 |
| Net interest margin | 3.4993% | 4,802 |
| Noninterest income to average assets | 0.0798% | 7,583 |
| Noninterest expense to average assets | 2.3652% | 6,572 |
| Loan and lease loss provision to assets | 0.0650% | 6,559 |
| Net operating income to assets | 0.6535% | 3,452 |
| Return on assets (ROA) | 0.6535% | 3,561 |
| Pretax return on assets | 0.9227% | 3,266 |
| Return on Equity (ROE) | 5.6321% | 3,813 |
| Retained earnings to average equity (ytd only) | 5.6321% | 2,190 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5426% | 4,673 |
| Assets per employee ($millions) | 5.1013% | 1,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8374% | 7,030 |
| Loan loss allowance to noncurrent loans | 391.7949% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.1820% | 7,084 |
| Noncurrent loans to loans | 0.2137% | 6,979 |
| Net loans and leases to total assets | 84.4558% | 571 |
| Net loans and leases to deposits | 97.6356% | 1,576 |
| Net loans and leases to core deposits | 128.1334% | 1,704 |
| Total domestic deposits to total assets | 86.5011% | 2,508 |
| Equity capital to assets | 11.8775% | 2,273 |
| Core capital (leverage) ratio | 11.9736% | 1,840 |
| Tier 1 risk-based capital ratio | 17.1419% | 2,258 |
| Total risk-based capital ratio | 18.1618% | 2,277 |
| Memoranda: | ||
| Average total assets | $107,728,670 | 4,948 |
| Average earning assets | $100,762,000 | 4,874 |
| Average equity | $12,499,670 | 4,679 |
| Average total loans | $90,331,670 | 4,267 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9624% | 2,511 |
| Cost of funding earning assets | 2.4500% | 2,103 |
| Net interest margin | 3.5124% | 4,678 |
| Noninterest income to average assets | 0.0852% | 7,629 |
| Noninterest expense to average assets | 2.2994% | 6,546 |
| Loan and lease loss provision to assets | 0.0555% | 6,267 |
| Net operating income to assets | 0.7516% | 3,344 |
| Return on assets (ROA) | 0.7516% | 3,519 |
| Pretax return on assets | 1.0108% | 3,311 |
| Return on Equity (ROE) | 6.5550% | 3,799 |
| Retained earnings to average equity (ytd only) | 6.5550% | 2,397 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3168% | 4,907 |
| Assets per employee ($millions) | 5.3068% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8269% | 7,056 |
| Loan loss allowance to noncurrent loans | 379.5918% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1759% | 7,010 |
| Noncurrent loans to loans | 0.2178% | 6,907 |
| Net loans and leases to total assets | 80.0714% | 1,375 |
| Net loans and leases to deposits | 100.9937% | 1,279 |
| Net loans and leases to core deposits | 123.5449% | 2,108 |
| Total domestic deposits to total assets | 79.2836% | 5,610 |
| Equity capital to assets | 11.2255% | 2,788 |
| Core capital (leverage) ratio | 11.3613% | 2,237 |
| Tier 1 risk-based capital ratio | 16.4022% | 2,552 |
| Total risk-based capital ratio | 17.3636% | 2,590 |
| Memoranda: | ||
| Average total assets | $108,029,500 | 4,950 |
| Average earning assets | $100,898,500 | 4,892 |
| Average equity | $12,387,500 | 4,728 |
| Average total loans | $89,878,000 | 4,313 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3486% | 3,698 |
| Cost of funding earning assets | 2.9145% | 2,197 |
| Net interest margin | 3.4341% | 5,530 |
| Noninterest income to average assets | 2.7814% | 224 |
| Noninterest expense to average assets | 2.5213% | 5,926 |
| Loan and lease loss provision to assets | 7.9926% | 24 |
| Net operating income to assets | -4.5596% | 8,053 |
| Return on assets (ROA) | -4.5596% | 8,040 |
| Pretax return on assets | -4.4743% | 7,962 |
| Return on Equity (ROE) | -31.0547% | 7,976 |
| Retained earnings to average equity (ytd only) | -31.0547% | 7,928 |
| Net charge-offs to loans | 0.0678% | 5,800 |
| Credit loss provision to net charge-offs | 14,214.2857% | 44 |
| Earnings coverage of net charge-offs (x) | 62.5714% | 644 |
| Efficiency ratio | 41.7456% | 8,077 |
| Assets per employee ($millions) | 4.9817% | 1,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8120% | 7,054 |
| Loan loss allowance to noncurrent loans | 229.9685% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 0.3030% | 6,388 |
| Noncurrent loans to loans | 0.3531% | 6,312 |
| Net loans and leases to total assets | 85.1199% | 720 |
| Net loans and leases to deposits | 108.8911% | 906 |
| Net loans and leases to core deposits | 138.7337% | 1,329 |
| Total domestic deposits to total assets | 78.1697% | 5,656 |
| Equity capital to assets | 11.7238% | 2,484 |
| Core capital (leverage) ratio | 11.8813% | 2,035 |
| Tier 1 risk-based capital ratio | 15.1612% | 2,976 |
| Total risk-based capital ratio | 16.0478% | 3,067 |
| Memoranda: | ||
| Average total assets | $99,591,800 | 5,062 |
| Average earning assets | $94,492,800 | 4,960 |
| Average equity | $14,622,600 | 4,214 |
| Average total loans | $82,567,200 | 4,435 |