Home > Finance and Thrift Company > Performance and Condition Ratios
Finance and Thrift Company, Performance and Condition Ratios
| 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 | 14.5988% | 9 |
| Cost of funding earning assets | 0.8312% | 427 |
| Net interest margin | 13.7676% | 8 |
| Noninterest income to average assets | 2.0609% | 352 |
| Noninterest expense to average assets | 10.3212% | 76 |
| Loan and lease loss provision to assets | 4.1801% | 7 |
| Net operating income to assets | -0.1866% | 6,092 |
| Return on assets (ROA) | -0.1866% | 6,120 |
| Pretax return on assets | 0.0600% | 5,967 |
| Return on Equity (ROE) | -0.6879% | 6,067 |
| Retained earnings to average equity (ytd only) | -1.7628% | 5,804 |
| Net charge-offs to loans | 4.5137% | 14 |
| Credit loss provision to net charge-offs | 120.9157% | 1,797 |
| Earnings coverage of net charge-offs (x) | 1.2265% | 3,555 |
| Efficiency ratio | 70.8810% | 3,183 |
| Assets per employee ($millions) | 1.4568% | 6,273 |
| Cash dividends to net income (ytd only)* | -156.2500% | 6,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4517% | 77 |
| Loan loss allowance to noncurrent loans | 431.2369% | 1,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8085% | 2,960 |
| Noncurrent loans to loans | 1.0323% | 2,584 |
| Net loans and leases to total assets | 74.8311% | 1,531 |
| Net loans and leases to deposits | 105.8816% | 379 |
| Net loans and leases to core deposits | 118.4249% | 513 |
| Total domestic deposits to total assets | 70.6743% | 6,009 |
| Equity capital to assets | 27.9257% | 68 |
| Core capital (leverage) ratio | 27.6151% | 74 |
| Tier 1 risk-based capital ratio | 32.6958% | 434 |
| Total risk-based capital ratio | 33.9811% | 426 |
| Memoranda: | ||
| Average total assets | $120,044,000 | 4,154 |
| Average earning assets | $108,995,000 | 4,170 |
| Average equity | $32,562,000 | 2,195 |
| Average total loans | $91,941,330 | 3,595 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.2553% | 9 |
| Cost of funding earning assets | 0.8362% | 411 |
| Net interest margin | 13.4191% | 8 |
| Noninterest income to average assets | 2.4185% | 285 |
| Noninterest expense to average assets | 10.0044% | 82 |
| Loan and lease loss provision to assets | 4.0804% | 11 |
| Net operating income to assets | 0.4460% | 4,893 |
| Return on assets (ROA) | 0.4460% | 5,006 |
| Pretax return on assets | 0.5286% | 5,100 |
| Return on Equity (ROE) | 1.6684% | 5,765 |
| Retained earnings to average equity (ytd only) | 0.4325% | 5,237 |
| Net charge-offs to loans | 5.3345% | 14 |
| Credit loss provision to net charge-offs | 100.9812% | 1,594 |
| Earnings coverage of net charge-offs (x) | 1.1406% | 2,962 |
| Efficiency ratio | 68.4603% | 3,747 |
| Assets per employee ($millions) | 1.7178% | 6,318 |
| Cash dividends to net income (ytd only)* | 74.0741% | 1,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9885% | 129 |
| Loan loss allowance to noncurrent loans | 421.9429% | 1,154 |
| Noncurrent assets plus other real estate owned to assets | 0.7277% | 3,310 |
| Noncurrent loans to loans | 0.9453% | 2,887 |
| Net loans and leases to total assets | 73.9116% | 1,517 |
| Net loans and leases to deposits | 103.8235% | 375 |
| Net loans and leases to core deposits | 116.4963% | 511 |
| Total domestic deposits to total assets | 71.1897% | 6,080 |
| Equity capital to assets | 27.6943% | 73 |
| Core capital (leverage) ratio | 27.1787% | 75 |
| Tier 1 risk-based capital ratio | 32.7771% | 432 |
| Total risk-based capital ratio | 34.0559% | 431 |
| Memoranda: | ||
| Average total assets | $121,066,500 | 4,167 |
| Average earning assets | $110,022,500 | 4,181 |
| Average equity | $32,367,000 | 2,218 |
| Average total loans | $91,705,000 | 3,619 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1113% | 12 |
| Cost of funding earning assets | 0.8773% | 443 |
| Net interest margin | 13.2340% | 12 |
| Noninterest income to average assets | 2.0706% | 321 |
| Noninterest expense to average assets | 8.4983% | 98 |
| Loan and lease loss provision to assets | 4.1492% | 9 |
| Net operating income to assets | 0.9665% | 2,549 |
| Return on assets (ROA) | 0.9665% | 2,632 |
| Pretax return on assets | 1.5149% | 1,491 |
| Return on Equity (ROE) | 3.8477% | 5,182 |
| Retained earnings to average equity (ytd only) | 2.9140% | 4,166 |
| Net charge-offs to loans | 5.6299% | 7 |
| Credit loss provision to net charge-offs | 101.5439% | 2,356 |
| Earnings coverage of net charge-offs (x) | 1.3862% | 4,432 |
| Efficiency ratio | 60.0057% | 5,223 |
| Assets per employee ($millions) | 1.6478% | 6,418 |
| Cash dividends to net income (ytd only)* | 24.2678% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0509% | 128 |
| Loan loss allowance to noncurrent loans | 330.0448% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.9144% | 2,931 |
| Noncurrent loans to loans | 1.2274% | 2,398 |
| Net loans and leases to total assets | 71.4820% | 1,998 |
| Net loans and leases to deposits | 99.4796% | 658 |
| Net loans and leases to core deposits | 110.7183% | 748 |
| Total domestic deposits to total assets | 71.8560% | 6,093 |
| Equity capital to assets | 25.9257% | 87 |
| Core capital (leverage) ratio | 25.8594% | 85 |
| Tier 1 risk-based capital ratio | 31.6382% | 446 |
| Total risk-based capital ratio | 32.9188% | 432 |
| Memoranda: | ||
| Average total assets | $123,637,200 | 4,109 |
| Average earning assets | $112,966,200 | 4,112 |
| Average equity | $31,057,200 | 2,218 |
| Average total loans | $89,735,000 | 3,635 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.9961% | 12 |
| Cost of funding earning assets | 0.8786% | 472 |
| Net interest margin | 13.1175% | 11 |
| Noninterest income to average assets | 2.1999% | 297 |
| Noninterest expense to average assets | 8.9845% | 84 |
| Loan and lease loss provision to assets | 3.9678% | 8 |
| Net operating income to assets | 0.8275% | 3,297 |
| Return on assets (ROA) | 0.8275% | 3,387 |
| Pretax return on assets | 1.2499% | 2,575 |
| Return on Equity (ROE) | 3.3205% | 5,423 |
| Retained earnings to average equity (ytd only) | 2.0699% | 5,017 |
| Net charge-offs to loans | 5.6248% | 9 |
| Credit loss provision to net charge-offs | 97.8272% | 2,277 |
| Earnings coverage of net charge-offs (x) | 1.2864% | 4,191 |
| Efficiency ratio | 63.2614% | 4,672 |
| Assets per employee ($millions) | 1.6374% | 6,496 |
| Cash dividends to net income (ytd only)* | 37.6627% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8493% | 181 |
| Loan loss allowance to noncurrent loans | 350.5976% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.8286% | 3,346 |
| Noncurrent loans to loans | 1.0979% | 2,870 |
| Net loans and leases to total assets | 72.5657% | 1,753 |
| Net loans and leases to deposits | 100.5581% | 584 |
| Net loans and leases to core deposits | 109.8925% | 748 |
| Total domestic deposits to total assets | 72.1630% | 6,163 |
| Equity capital to assets | 25.7341% | 89 |
| Core capital (leverage) ratio | 25.4839% | 83 |
| Tier 1 risk-based capital ratio | 31.1901% | 473 |
| Total risk-based capital ratio | 32.4678% | 463 |
| Memoranda: | ||
| Average total assets | $124,062,250 | 4,136 |
| Average earning assets | $113,514,750 | 4,138 |
| Average equity | $30,918,250 | 2,232 |
| Average total loans | $89,458,000 | 3,670 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.8024% | 11 |
| Cost of funding earning assets | 0.8894% | 452 |
| Net interest margin | 12.9130% | 11 |
| Noninterest income to average assets | 2.3195% | 272 |
| Noninterest expense to average assets | 9.2044% | 83 |
| Loan and lease loss provision to assets | 3.7544% | 10 |
| Net operating income to assets | 0.8238% | 3,215 |
| Return on assets (ROA) | 0.8238% | 3,310 |
| Pretax return on assets | 1.1821% | 2,751 |
| Return on Equity (ROE) | 3.3408% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.1083% | 4,839 |
| Net charge-offs to loans | 4.8899% | 11 |
| Credit loss provision to net charge-offs | 108.1069% | 1,854 |
| Earnings coverage of net charge-offs (x) | 1.4215% | 3,810 |
| Efficiency ratio | 65.0905% | 4,515 |
| Assets per employee ($millions) | 1.5813% | 6,566 |
| Cash dividends to net income (ytd only)* | 36.8932% | 2,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1700% | 155 |
| Loan loss allowance to noncurrent loans | 340.0540% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.9007% | 3,291 |
| Noncurrent loans to loans | 1.2263% | 2,780 |
| Net loans and leases to total assets | 70.3887% | 2,021 |
| Net loans and leases to deposits | 97.0230% | 737 |
| Net loans and leases to core deposits | 105.6975% | 911 |
| Total domestic deposits to total assets | 72.5485% | 6,213 |
| Equity capital to assets | 25.1619% | 89 |
| Core capital (leverage) ratio | 24.8837% | 87 |
| Tier 1 risk-based capital ratio | 31.3814% | 468 |
| Total risk-based capital ratio | 32.6632% | 459 |
| Memoranda: | ||
| Average total assets | $125,027,670 | 4,131 |
| Average earning assets | $114,458,000 | 4,138 |
| Average equity | $30,830,670 | 2,225 |
| Average total loans | $88,795,670 | 3,696 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5653% | 11 |
| Cost of funding earning assets | 0.8993% | 456 |
| Net interest margin | 12.6661% | 11 |
| Noninterest income to average assets | 2.5677% | 228 |
| Noninterest expense to average assets | 9.4670% | 84 |
| Loan and lease loss provision to assets | 3.7213% | 14 |
| Net operating income to assets | 0.7309% | 3,537 |
| Return on assets (ROA) | 0.7309% | 3,615 |
| Pretax return on assets | 0.9724% | 3,433 |
| Return on Equity (ROE) | 2.9940% | 5,458 |
| Retained earnings to average equity (ytd only) | 1.4970% | 5,012 |
| Net charge-offs to loans | 5.6341% | 19 |
| Credit loss provision to net charge-offs | 94.5880% | 1,755 |
| Earnings coverage of net charge-offs (x) | 1.1931% | 3,150 |
| Efficiency ratio | 66.8537% | 4,388 |
| Assets per employee ($millions) | 1.7933% | 6,614 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9846% | 192 |
| Loan loss allowance to noncurrent loans | 371.7140% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 3,851 |
| Noncurrent loans to loans | 1.0719% | 3,279 |
| Net loans and leases to total assets | 67.8568% | 2,245 |
| Net loans and leases to deposits | 92.3022% | 928 |
| Net loans and leases to core deposits | 100.6071% | 1,064 |
| Total domestic deposits to total assets | 73.5159% | 6,275 |
| Equity capital to assets | 24.5300% | 100 |
| Core capital (leverage) ratio | 24.4123% | 97 |
| Tier 1 risk-based capital ratio | 31.6229% | 460 |
| Total risk-based capital ratio | 32.9019% | 456 |
| Memoranda: | ||
| Average total assets | $125,869,000 | 4,146 |
| Average earning assets | $115,205,500 | 4,155 |
| Average equity | $30,728,000 | 2,225 |
| Average total loans | $87,894,000 | 3,753 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7249% | 11 |
| Cost of funding earning assets | 0.9891% | 471 |
| Net interest margin | 12.7358% | 13 |
| Noninterest income to average assets | 1.8229% | 455 |
| Noninterest expense to average assets | 8.2501% | 112 |
| Loan and lease loss provision to assets | 3.9934% | 12 |
| Net operating income to assets | 0.9149% | 2,705 |
| Return on assets (ROA) | 0.9149% | 2,794 |
| Pretax return on assets | 1.1595% | 2,733 |
| Return on Equity (ROE) | 3.8653% | 5,173 |
| Retained earnings to average equity (ytd only) | 2.7826% | 4,263 |
| Net charge-offs to loans | 5.2131% | 19 |
| Credit loss provision to net charge-offs | 111.4236% | 2,157 |
| Earnings coverage of net charge-offs (x) | 1.4378% | 4,574 |
| Efficiency ratio | 61.5542% | 5,283 |
| Assets per employee ($millions) | 1.7529% | 6,684 |
| Cash dividends to net income (ytd only)* | 28.0102% | 3,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1369% | 184 |
| Loan loss allowance to noncurrent loans | 256.0057% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 1.1148% | 3,176 |
| Noncurrent loans to loans | 1.6159% | 2,482 |
| Net loans and leases to total assets | 66.1371% | 2,673 |
| Net loans and leases to deposits | 89.3950% | 1,296 |
| Net loans and leases to core deposits | 97.3138% | 1,362 |
| Total domestic deposits to total assets | 73.9830% | 6,283 |
| Equity capital to assets | 24.2960% | 106 |
| Core capital (leverage) ratio | 24.0882% | 101 |
| Tier 1 risk-based capital ratio | 32.0289% | 428 |
| Total risk-based capital ratio | 33.3103% | 421 |
| Memoranda: | ||
| Average total assets | $127,985,800 | 4,110 |
| Average earning assets | $116,372,800 | 4,127 |
| Average equity | $30,295,200 | 2,237 |
| Average total loans | $87,990,200 | 3,733 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7366% | 13 |
| Cost of funding earning assets | 1.0027% | 485 |
| Net interest margin | 12.7338% | 14 |
| Noninterest income to average assets | 1.8406% | 467 |
| Noninterest expense to average assets | 8.5201% | 104 |
| Loan and lease loss provision to assets | 3.4550% | 11 |
| Net operating income to assets | 0.9779% | 2,477 |
| Return on assets (ROA) | 0.9779% | 2,579 |
| Pretax return on assets | 1.4275% | 1,842 |
| Return on Equity (ROE) | 4.1584% | 5,148 |
| Retained earnings to average equity (ytd only) | 3.1916% | 4,402 |
| Net charge-offs to loans | 4.4494% | 27 |
| Credit loss provision to net charge-offs | 113.0435% | 2,075 |
| Earnings coverage of net charge-offs (x) | 1.5975% | 4,305 |
| Efficiency ratio | 63.5709% | 4,877 |
| Assets per employee ($millions) | 1.6489% | 6,775 |
| Cash dividends to net income (ytd only)* | 23.2482% | 2,960 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9620% | 247 |
| Loan loss allowance to noncurrent loans | 328.1517% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 4,060 |
| Noncurrent loans to loans | 1.2074% | 3,407 |
| Net loans and leases to total assets | 65.2497% | 2,756 |
| Net loans and leases to deposits | 87.8889% | 1,374 |
| Net loans and leases to core deposits | 96.1492% | 1,383 |
| Total domestic deposits to total assets | 74.2411% | 6,354 |
| Equity capital to assets | 23.7575% | 112 |
| Core capital (leverage) ratio | 23.5864% | 104 |
| Tier 1 risk-based capital ratio | 31.7202% | 447 |
| Total risk-based capital ratio | 32.9994% | 439 |
| Memoranda: | ||
| Average total assets | $128,430,750 | 4,150 |
| Average earning assets | $116,610,250 | 4,161 |
| Average equity | $30,203,250 | 2,257 |
| Average total loans | $88,220,000 | 3,755 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7268% | 12 |
| Cost of funding earning assets | 1.0095% | 522 |
| Net interest margin | 12.7173% | 13 |
| Noninterest income to average assets | 1.7870% | 523 |
| Noninterest expense to average assets | 8.6796% | 102 |
| Loan and lease loss provision to assets | 3.3372% | 15 |
| Net operating income to assets | 0.9099% | 2,743 |
| Return on assets (ROA) | 0.9099% | 2,878 |
| Pretax return on assets | 1.3305% | 2,186 |
| Return on Equity (ROE) | 3.8822% | 5,261 |
| Retained earnings to average equity (ytd only) | 2.9183% | 4,454 |
| Net charge-offs to loans | 4.2938% | 46 |
| Credit loss provision to net charge-offs | 112.7368% | 1,961 |
| Earnings coverage of net charge-offs (x) | 1.5768% | 4,002 |
| Efficiency ratio | 65.0286% | 4,706 |
| Assets per employee ($millions) | 1.5238% | 6,840 |
| Cash dividends to net income (ytd only)* | 24.8288% | 2,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7859% | 299 |
| Loan loss allowance to noncurrent loans | 549.6689% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.4663% | 5,108 |
| Noncurrent loans to loans | 0.6888% | 4,559 |
| Net loans and leases to total assets | 65.1398% | 2,739 |
| Net loans and leases to deposits | 87.5420% | 1,399 |
| Net loans and leases to core deposits | 96.2042% | 1,338 |
| Total domestic deposits to total assets | 74.4098% | 6,410 |
| Equity capital to assets | 23.3845% | 112 |
| Core capital (leverage) ratio | 23.4651% | 100 |
| Tier 1 risk-based capital ratio | 31.3817% | 460 |
| Total risk-based capital ratio | 32.6591% | 455 |
| Memoranda: | ||
| Average total assets | $128,370,330 | 4,178 |
| Average earning assets | $116,691,670 | 4,186 |
| Average equity | $30,086,000 | 2,267 |
| Average total loans | $88,499,670 | 3,758 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.1166% | 11 |
| Cost of funding earning assets | 1.0118% | 583 |
| Net interest margin | 13.1048% | 11 |
| Noninterest income to average assets | 1.7654% | 516 |
| Noninterest expense to average assets | 9.0209% | 98 |
| Loan and lease loss provision to assets | 3.3523% | 23 |
| Net operating income to assets | 0.8858% | 2,718 |
| Return on assets (ROA) | 0.8858% | 2,863 |
| Pretax return on assets | 1.3115% | 2,191 |
| Return on Equity (ROE) | 3.7753% | 5,208 |
| Retained earnings to average equity (ytd only) | 2.8281% | 4,591 |
| Net charge-offs to loans | 5.3586% | 37 |
| Credit loss provision to net charge-offs | 89.9244% | 2,026 |
| Earnings coverage of net charge-offs (x) | 1.2510% | 3,410 |
| Efficiency ratio | 65.9195% | 4,677 |
| Assets per employee ($millions) | 1.5065% | 6,923 |
| Cash dividends to net income (ytd only)* | 25.0883% | 2,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3387% | 481 |
| Loan loss allowance to noncurrent loans | 390.2375% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 4,909 |
| Noncurrent loans to loans | 0.8556% | 4,406 |
| Net loans and leases to total assets | 66.8767% | 2,217 |
| Net loans and leases to deposits | 90.1179% | 957 |
| Net loans and leases to core deposits | 98.1052% | 1,071 |
| Total domestic deposits to total assets | 74.2103% | 6,523 |
| Equity capital to assets | 23.4946% | 113 |
| Core capital (leverage) ratio | 23.4996% | 102 |
| Tier 1 risk-based capital ratio | 30.6589% | 505 |
| Total risk-based capital ratio | 31.9297% | 495 |
| Memoranda: | ||
| Average total assets | $127,792,500 | 4,227 |
| Average earning assets | $116,232,000 | 4,237 |
| Average equity | $29,984,500 | 2,294 |
| Average total loans | $88,903,000 | 3,772 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.3535% | 11 |
| Cost of funding earning assets | 1.0684% | 1,033 |
| Net interest margin | 13.2851% | 11 |
| Noninterest income to average assets | 1.0785% | 1,334 |
| Noninterest expense to average assets | 7.4487% | 126 |
| Loan and lease loss provision to assets | 3.2821% | 29 |
| Net operating income to assets | 1.6884% | 634 |
| Return on assets (ROA) | 1.6884% | 710 |
| Pretax return on assets | 2.5038% | 255 |
| Return on Equity (ROE) | 7.4780% | 3,353 |
| Retained earnings to average equity (ytd only) | 6.0071% | 2,072 |
| Net charge-offs to loans | 4.5037% | 50 |
| Credit loss provision to net charge-offs | 98.7625% | 3,140 |
| Earnings coverage of net charge-offs (x) | 1.7411% | 4,564 |
| Efficiency ratio | 56.2819% | 6,030 |
| Assets per employee ($millions) | 1.5365% | 6,982 |
| Cash dividends to net income (ytd only)* | 19.6691% | 3,756 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4503% | 446 |
| Loan loss allowance to noncurrent loans | 390.1141% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 4,925 |
| Noncurrent loans to loans | 0.8844% | 4,407 |
| Net loans and leases to total assets | 67.5378% | 2,274 |
| Net loans and leases to deposits | 90.4386% | 1,037 |
| Net loans and leases to core deposits | 98.2132% | 1,132 |
| Total domestic deposits to total assets | 74.6781% | 6,476 |
| Equity capital to assets | 23.4321% | 114 |
| Core capital (leverage) ratio | 23.2811% | 111 |
| Tier 1 risk-based capital ratio | 30.3222% | 506 |
| Total risk-based capital ratio | 31.5951% | 496 |
| Memoranda: | ||
| Average total assets | $128,881,600 | 4,168 |
| Average earning assets | $117,929,200 | 4,162 |
| Average equity | $29,098,800 | 2,312 |
| Average total loans | $95,099,000 | 3,638 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5184% | 10 |
| Cost of funding earning assets | 1.0791% | 1,146 |
| Net interest margin | 13.4393% | 11 |
| Noninterest income to average assets | 1.1195% | 1,201 |
| Noninterest expense to average assets | 7.6364% | 120 |
| Loan and lease loss provision to assets | 3.1573% | 31 |
| Net operating income to assets | 1.5828% | 882 |
| Return on assets (ROA) | 1.5828% | 985 |
| Pretax return on assets | 2.6239% | 245 |
| Return on Equity (ROE) | 7.0764% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.1308% | 2,615 |
| Net charge-offs to loans | 4.0342% | 83 |
| Credit loss provision to net charge-offs | 104.7228% | 2,814 |
| Earnings coverage of net charge-offs (x) | 1.9175% | 4,302 |
| Efficiency ratio | 56.9133% | 5,930 |
| Assets per employee ($millions) | 1.4848% | 7,086 |
| Cash dividends to net income (ytd only)* | 13.3639% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5336% | 453 |
| Loan loss allowance to noncurrent loans | 404.5792% | 929 |
| Noncurrent assets plus other real estate owned to assets | 0.6327% | 5,088 |
| Noncurrent loans to loans | 0.8734% | 4,674 |
| Net loans and leases to total assets | 69.8857% | 1,929 |
| Net loans and leases to deposits | 93.1584% | 861 |
| Net loans and leases to core deposits | 100.5646% | 1,083 |
| Total domestic deposits to total assets | 75.0182% | 6,517 |
| Equity capital to assets | 23.0929% | 139 |
| Core capital (leverage) ratio | 22.7869% | 126 |
| Tier 1 risk-based capital ratio | 28.9991% | 584 |
| Total risk-based capital ratio | 30.2732% | 575 |
| Memoranda: | ||
| Average total assets | $129,219,500 | 4,205 |
| Average earning assets | $118,247,000 | 4,194 |
| Average equity | $28,902,750 | 2,339 |
| Average total loans | $96,571,500 | 3,643 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5799% | 10 |
| Cost of funding earning assets | 1.1060% | 1,196 |
| Net interest margin | 13.4739% | 11 |
| Noninterest income to average assets | 1.1578% | 1,061 |
| Noninterest expense to average assets | 7.3801% | 134 |
| Loan and lease loss provision to assets | 3.1451% | 53 |
| Net operating income to assets | 1.7652% | 598 |
| Return on assets (ROA) | 1.7652% | 671 |
| Pretax return on assets | 2.9539% | 161 |
| Return on Equity (ROE) | 7.9771% | 3,274 |
| Retained earnings to average equity (ytd only) | 7.0226% | 2,085 |
| Net charge-offs to loans | 3.4986% | 149 |
| Credit loss provision to net charge-offs | 119.0893% | 2,308 |
| Earnings coverage of net charge-offs (x) | 2.3094% | 3,843 |
| Efficiency ratio | 54.7524% | 6,246 |
| Assets per employee ($millions) | 1.5709% | 7,136 |
| Cash dividends to net income (ytd only)* | 11.9651% | 3,246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6187% | 454 |
| Loan loss allowance to noncurrent loans | 403.9720% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 5,136 |
| Noncurrent loans to loans | 0.8958% | 4,705 |
| Net loans and leases to total assets | 70.6388% | 1,798 |
| Net loans and leases to deposits | 93.2763% | 830 |
| Net loans and leases to core deposits | 98.8760% | 1,184 |
| Total domestic deposits to total assets | 75.7307% | 6,498 |
| Equity capital to assets | 22.3649% | 148 |
| Core capital (leverage) ratio | 22.2847% | 127 |
| Tier 1 risk-based capital ratio | 27.8064% | 656 |
| Total risk-based capital ratio | 29.0818% | 636 |
| Memoranda: | ||
| Average total assets | $129,727,000 | 4,216 |
| Average earning assets | $118,629,330 | 4,209 |
| Average equity | $28,707,330 | 2,347 |
| Average total loans | $97,925,000 | 3,623 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7990% | 11 |
| Cost of funding earning assets | 1.1384% | 1,222 |
| Net interest margin | 13.6606% | 11 |
| Noninterest income to average assets | 1.2241% | 957 |
| Noninterest expense to average assets | 7.3076% | 136 |
| Loan and lease loss provision to assets | 2.6894% | 88 |
| Net operating income to assets | 2.1762% | 305 |
| Return on assets (ROA) | 2.1762% | 359 |
| Pretax return on assets | 3.6909% | 105 |
| Return on Equity (ROE) | 9.8873% | 2,439 |
| Retained earnings to average equity (ytd only) | 8.9744% | 1,605 |
| Net charge-offs to loans | 4.3791% | 126 |
| Credit loss provision to net charge-offs | 80.1843% | 2,723 |
| Earnings coverage of net charge-offs (x) | 1.9023% | 3,383 |
| Efficiency ratio | 53.3875% | 6,402 |
| Assets per employee ($millions) | 1.5552% | 7,207 |
| Cash dividends to net income (ytd only)* | 9.2330% | 2,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9662% | 862 |
| Loan loss allowance to noncurrent loans | 415.8345% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.6205% | 5,342 |
| Noncurrent loans to loans | 0.7133% | 5,237 |
| Net loans and leases to total assets | 73.8747% | 1,088 |
| Net loans and leases to deposits | 97.5470% | 457 |
| Net loans and leases to core deposits | 104.2232% | 758 |
| Total domestic deposits to total assets | 75.7325% | 6,577 |
| Equity capital to assets | 22.3106% | 139 |
| Core capital (leverage) ratio | 22.0475% | 131 |
| Tier 1 risk-based capital ratio | 26.4730% | 767 |
| Total risk-based capital ratio | 27.7408% | 752 |
| Memoranda: | ||
| Average total assets | $129,399,000 | 4,249 |
| Average earning assets | $118,062,000 | 4,249 |
| Average equity | $28,481,000 | 2,364 |
| Average total loans | $99,108,000 | 3,622 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4805% | 10 |
| Cost of funding earning assets | 1.2428% | 1,772 |
| Net interest margin | 14.2377% | 10 |
| Noninterest income to average assets | 1.2485% | 836 |
| Noninterest expense to average assets | 8.4253% | 95 |
| Loan and lease loss provision to assets | 3.2249% | 102 |
| Net operating income to assets | 1.6831% | 570 |
| Return on assets (ROA) | 1.6831% | 605 |
| Pretax return on assets | 2.6311% | 170 |
| Return on Equity (ROE) | 7.7568% | 3,028 |
| Retained earnings to average equity (ytd only) | 6.7609% | 1,615 |
| Net charge-offs to loans | 3.4531% | 223 |
| Credit loss provision to net charge-offs | 119.7851% | 2,666 |
| Earnings coverage of net charge-offs (x) | 2.1752% | 4,155 |
| Efficiency ratio | 58.9953% | 5,901 |
| Assets per employee ($millions) | 1.4413% | 7,267 |
| Cash dividends to net income (ytd only)* | 12.8401% | 3,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1318% | 724 |
| Loan loss allowance to noncurrent loans | 239.8467% | 1,393 |
| Noncurrent assets plus other real estate owned to assets | 1.0831% | 4,450 |
| Noncurrent loans to loans | 1.3058% | 4,194 |
| Net loans and leases to total assets | 74.6338% | 1,149 |
| Net loans and leases to deposits | 98.3043% | 540 |
| Net loans and leases to core deposits | 104.6752% | 860 |
| Total domestic deposits to total assets | 75.9212% | 6,496 |
| Equity capital to assets | 21.7113% | 163 |
| Core capital (leverage) ratio | 21.7626% | 143 |
| Tier 1 risk-based capital ratio | 25.5874% | 811 |
| Total risk-based capital ratio | 26.8570% | 788 |
| Memoranda: | ||
| Average total assets | $124,470,400 | 4,285 |
| Average earning assets | $113,936,800 | 4,283 |
| Average equity | $27,008,400 | 2,398 |
| Average total loans | $97,043,200 | 3,700 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.5417% | 10 |
| Cost of funding earning assets | 1.2592% | 1,940 |
| Net interest margin | 14.2825% | 11 |
| Noninterest income to average assets | 1.1854% | 937 |
| Noninterest expense to average assets | 8.7126% | 93 |
| Loan and lease loss provision to assets | 3.4036% | 85 |
| Net operating income to assets | 1.3316% | 1,304 |
| Return on assets (ROA) | 1.3316% | 1,393 |
| Pretax return on assets | 2.1587% | 464 |
| Return on Equity (ROE) | 6.1376% | 3,960 |
| Retained earnings to average equity (ytd only) | 5.1396% | 3,090 |
| Net charge-offs to loans | 2.7782% | 366 |
| Credit loss provision to net charge-offs | 156.6517% | 1,980 |
| Earnings coverage of net charge-offs (x) | 2.5600% | 3,838 |
| Efficiency ratio | 61.0344% | 5,559 |
| Assets per employee ($millions) | 1.3365% | 7,353 |
| Cash dividends to net income (ytd only)* | 16.2602% | 3,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4703% | 578 |
| Loan loss allowance to noncurrent loans | 344.3171% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.9034% | 4,930 |
| Noncurrent loans to loans | 1.0079% | 4,877 |
| Net loans and leases to total assets | 78.9807% | 609 |
| Net loans and leases to deposits | 103.5331% | 330 |
| Net loans and leases to core deposits | 109.1950% | 712 |
| Total domestic deposits to total assets | 76.2854% | 6,494 |
| Equity capital to assets | 21.5762% | 181 |
| Core capital (leverage) ratio | 21.7188% | 157 |
| Tier 1 risk-based capital ratio | 24.2441% | 987 |
| Total risk-based capital ratio | 25.4936% | 972 |
| Memoranda: | ||
| Average total assets | $123,159,000 | 4,337 |
| Average earning assets | $112,872,000 | 4,333 |
| Average equity | $26,719,750 | 2,422 |
| Average total loans | $96,318,500 | 3,745 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.3362% | 11 |
| Cost of funding earning assets | 1.2774% | 2,075 |
| Net interest margin | 14.0588% | 11 |
| Noninterest income to average assets | 1.4013% | 648 |
| Noninterest expense to average assets | 9.0524% | 90 |
| Loan and lease loss provision to assets | 3.7312% | 91 |
| Net operating income to assets | 0.9500% | 2,437 |
| Return on assets (ROA) | 0.9500% | 2,530 |
| Pretax return on assets | 1.5112% | 1,499 |
| Return on Equity (ROE) | 4.3706% | 4,751 |
| Retained earnings to average equity (ytd only) | 3.3818% | 4,108 |
| Net charge-offs to loans | 2.3391% | 538 |
| Credit loss provision to net charge-offs | 207.2926% | 1,448 |
| Earnings coverage of net charge-offs (x) | 2.9125% | 3,393 |
| Efficiency ratio | 63.3264% | 5,358 |
| Assets per employee ($millions) | 1.2472% | 7,431 |
| Cash dividends to net income (ytd only)* | 22.6252% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6479% | 537 |
| Loan loss allowance to noncurrent loans | 611.5772% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 5,962 |
| Noncurrent loans to loans | 0.5965% | 5,731 |
| Net loans and leases to total assets | 77.1911% | 889 |
| Net loans and leases to deposits | 100.1706% | 487 |
| Net loans and leases to core deposits | 105.9376% | 936 |
| Total domestic deposits to total assets | 77.0596% | 6,441 |
| Equity capital to assets | 21.4916% | 196 |
| Core capital (leverage) ratio | 21.8512% | 161 |
| Tier 1 risk-based capital ratio | 24.5452% | 952 |
| Total risk-based capital ratio | 25.8214% | 929 |
| Memoranda: | ||
| Average total assets | $121,890,670 | 4,391 |
| Average earning assets | $111,788,000 | 4,391 |
| Average equity | $26,495,000 | 2,426 |
| Average total loans | $93,797,330 | 3,845 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2715% | 11 |
| Cost of funding earning assets | 1.3144% | 2,101 |
| Net interest margin | 13.9571% | 13 |
| Noninterest income to average assets | 1.4376% | 617 |
| Noninterest expense to average assets | 9.1206% | 83 |
| Loan and lease loss provision to assets | 4.6616% | 72 |
| Net operating income to assets | 0.3088% | 5,367 |
| Return on assets (ROA) | 0.3088% | 5,438 |
| Pretax return on assets | 0.4183% | 5,287 |
| Return on Equity (ROE) | 1.4123% | 6,015 |
| Retained earnings to average equity (ytd only) | 0.5467% | 5,611 |
| Net charge-offs to loans | 2.0146% | 634 |
| Credit loss provision to net charge-offs | 307.2210% | 1,045 |
| Earnings coverage of net charge-offs (x) | 3.3479% | 2,769 |
| Efficiency ratio | 64.2273% | 5,325 |
| Assets per employee ($millions) | 1.1820% | 7,496 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6860% | 531 |
| Loan loss allowance to noncurrent loans | 451.1229% | 698 |
| Noncurrent assets plus other real estate owned to assets | 0.6279% | 5,697 |
| Noncurrent loans to loans | 0.8171% | 5,402 |
| Net loans and leases to total assets | 74.0111% | 1,343 |
| Net loans and leases to deposits | 96.6112% | 651 |
| Net loans and leases to core deposits | 101.7260% | 1,220 |
| Total domestic deposits to total assets | 76.6072% | 6,590 |
| Equity capital to assets | 21.8592% | 176 |
| Core capital (leverage) ratio | 21.6230% | 170 |
| Tier 1 risk-based capital ratio | 25.5822% | 828 |
| Total risk-based capital ratio | 26.8582% | 799 |
| Memoranda: | ||
| Average total assets | $120,474,500 | 4,468 |
| Average earning assets | $110,166,000 | 4,465 |
| Average equity | $26,340,000 | 2,425 |
| Average total loans | $90,736,000 | 3,956 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.9872% | 13 |
| Cost of funding earning assets | 1.4194% | 3,139 |
| Net interest margin | 13.5679% | 13 |
| Noninterest income to average assets | 1.0744% | 1,295 |
| Noninterest expense to average assets | 8.4594% | 102 |
| Loan and lease loss provision to assets | 3.1995% | 275 |
| Net operating income to assets | 1.5080% | 755 |
| Return on assets (ROA) | 1.5080% | 814 |
| Pretax return on assets | 2.2851% | 258 |
| Return on Equity (ROE) | 6.9212% | 3,159 |
| Retained earnings to average equity (ytd only) | 4.2934% | 2,835 |
| Net charge-offs to loans | 5.4293% | 143 |
| Credit loss provision to net charge-offs | 80.6965% | 5,539 |
| Earnings coverage of net charge-offs (x) | 1.3833% | 4,727 |
| Efficiency ratio | 60.6666% | 5,941 |
| Assets per employee ($millions) | 1.1688% | 7,580 |
| Cash dividends to net income (ytd only)* | 37.9676% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7785% | 1,083 |
| Loan loss allowance to noncurrent loans | 139.5138% | 2,127 |
| Noncurrent assets plus other real estate owned to assets | 1.4695% | 4,122 |
| Noncurrent loans to loans | 1.9916% | 3,575 |
| Net loans and leases to total assets | 71.7350% | 2,157 |
| Net loans and leases to deposits | 94.0800% | 1,061 |
| Net loans and leases to core deposits | 98.5495% | 1,748 |
| Total domestic deposits to total assets | 76.2489% | 6,606 |
| Equity capital to assets | 21.8679% | 185 |
| Core capital (leverage) ratio | 21.7048% | 176 |
| Tier 1 risk-based capital ratio | 26.4006% | 722 |
| Total risk-based capital ratio | 27.6658% | 703 |
| Memoranda: | ||
| Average total assets | $118,767,400 | 4,502 |
| Average earning assets | $112,655,800 | 4,407 |
| Average equity | $25,877,000 | 2,469 |
| Average total loans | $86,733,400 | 4,135 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.9733% | 15 |
| Cost of funding earning assets | 1.4304% | 3,390 |
| Net interest margin | 13.5429% | 13 |
| Noninterest income to average assets | 1.0330% | 1,358 |
| Noninterest expense to average assets | 8.5655% | 100 |
| Loan and lease loss provision to assets | 2.9400% | 305 |
| Net operating income to assets | 1.4745% | 965 |
| Return on assets (ROA) | 1.4745% | 1,045 |
| Pretax return on assets | 2.4962% | 228 |
| Return on Equity (ROE) | 6.7739% | 3,441 |
| Retained earnings to average equity (ytd only) | 6.2357% | 2,243 |
| Net charge-offs to loans | 6.0532% | 97 |
| Credit loss provision to net charge-offs | 66.6837% | 5,518 |
| Earnings coverage of net charge-offs (x) | 1.2330% | 4,826 |
| Efficiency ratio | 61.1746% | 5,762 |
| Assets per employee ($millions) | 1.1631% | 7,682 |
| Cash dividends to net income (ytd only)* | 7.9448% | 3,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3374% | 1,569 |
| Loan loss allowance to noncurrent loans | 122.4454% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.3863% | 4,388 |
| Noncurrent loans to loans | 1.9089% | 3,792 |
| Net loans and leases to total assets | 70.9256% | 2,507 |
| Net loans and leases to deposits | 92.3706% | 1,398 |
| Net loans and leases to core deposits | 97.0117% | 2,144 |
| Total domestic deposits to total assets | 76.7837% | 6,534 |
| Equity capital to assets | 21.6539% | 207 |
| Core capital (leverage) ratio | 21.8060% | 182 |
| Tier 1 risk-based capital ratio | 27.7984% | 642 |
| Total risk-based capital ratio | 29.0561% | 623 |
| Memoranda: | ||
| Average total assets | $118,363,750 | 4,572 |
| Average earning assets | $113,345,750 | 4,449 |
| Average equity | $25,765,000 | 2,517 |
| Average total loans | $86,210,750 | 4,219 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.1442% | 14 |
| Cost of funding earning assets | 1.4657% | 3,454 |
| Net interest margin | 13.6784% | 15 |
| Noninterest income to average assets | 0.9683% | 1,462 |
| Noninterest expense to average assets | 8.5765% | 102 |
| Loan and lease loss provision to assets | 2.9715% | 329 |
| Net operating income to assets | 1.4892% | 929 |
| Return on assets (ROA) | 1.4892% | 986 |
| Pretax return on assets | 2.5207% | 225 |
| Return on Equity (ROE) | 6.8289% | 3,383 |
| Retained earnings to average equity (ytd only) | 6.3668% | 2,136 |
| Net charge-offs to loans | 2.7124% | 610 |
| Credit loss provision to net charge-offs | 150.2591% | 2,612 |
| Earnings coverage of net charge-offs (x) | 2.7772% | 3,599 |
| Efficiency ratio | 60.9614% | 5,865 |
| Assets per employee ($millions) | 1.1433% | 7,758 |
| Cash dividends to net income (ytd only)* | 6.7661% | 3,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5564% | 242 |
| Loan loss allowance to noncurrent loans | 171.6826% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 1.9209% | 3,597 |
| Noncurrent loans to loans | 2.6540% | 2,987 |
| Net loans and leases to total assets | 69.0787% | 3,112 |
| Net loans and leases to deposits | 90.3307% | 1,804 |
| Net loans and leases to core deposits | 94.5998% | 2,635 |
| Total domestic deposits to total assets | 76.4731% | 6,605 |
| Equity capital to assets | 21.6910% | 213 |
| Core capital (leverage) ratio | 21.7609% | 187 |
| Tier 1 risk-based capital ratio | 28.1406% | 617 |
| Total risk-based capital ratio | 29.4287% | 602 |
| Memoranda: | ||
| Average total assets | $117,111,330 | 4,635 |
| Average earning assets | $112,162,000 | 4,501 |
| Average equity | $25,538,670 | 2,535 |
| Average total loans | $85,385,000 | 4,275 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2346% | 17 |
| Cost of funding earning assets | 1.4989% | 3,566 |
| Net interest margin | 13.7357% | 17 |
| Noninterest income to average assets | 1.0066% | 1,282 |
| Noninterest expense to average assets | 8.7581% | 103 |
| Loan and lease loss provision to assets | 3.0093% | 329 |
| Net operating income to assets | 1.4147% | 1,042 |
| Return on assets (ROA) | 1.4147% | 1,111 |
| Pretax return on assets | 2.3936% | 293 |
| Return on Equity (ROE) | 6.4695% | 3,632 |
| Retained earnings to average equity (ytd only) | 6.2480% | 2,494 |
| Net charge-offs to loans | 4.4001% | 293 |
| Credit loss provision to net charge-offs | 93.4479% | 3,581 |
| Earnings coverage of net charge-offs (x) | 1.6778% | 3,728 |
| Efficiency ratio | 61.8466% | 5,859 |
| Assets per employee ($millions) | 1.0455% | 7,869 |
| Cash dividends to net income (ytd only)* | 3.4230% | 2,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8699% | 419 |
| Loan loss allowance to noncurrent loans | 151.6232% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 1.8678% | 3,680 |
| Noncurrent loans to loans | 2.5523% | 3,123 |
| Net loans and leases to total assets | 70.3487% | 2,845 |
| Net loans and leases to deposits | 91.6477% | 1,664 |
| Net loans and leases to core deposits | 96.0774% | 2,581 |
| Total domestic deposits to total assets | 76.7600% | 6,608 |
| Equity capital to assets | 21.8070% | 215 |
| Core capital (leverage) ratio | 21.8894% | 188 |
| Tier 1 risk-based capital ratio | 27.9886% | 641 |
| Total risk-based capital ratio | 29.2677% | 627 |
| Memoranda: | ||
| Average total assets | $115,642,000 | 4,730 |
| Average earning assets | $110,748,000 | 4,590 |
| Average equity | $25,288,000 | 2,581 |
| Average total loans | $84,633,500 | 4,362 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4649% | 14 |
| Cost of funding earning assets | 2.0904% | 2,514 |
| Net interest margin | 12.3746% | 14 |
| Noninterest income to average assets | 0.6042% | 3,595 |
| Noninterest expense to average assets | 8.6134% | 123 |
| Loan and lease loss provision to assets | 2.9313% | 604 |
| Net operating income to assets | 0.5628% | 3,474 |
| Return on assets (ROA) | 0.5628% | 3,554 |
| Pretax return on assets | 0.9583% | 2,735 |
| Return on Equity (ROE) | 2.5827% | 4,669 |
| Retained earnings to average equity (ytd only) | 2.4452% | 3,427 |
| Net charge-offs to loans | 4.8984% | 275 |
| Credit loss provision to net charge-offs | 86.5090% | 6,115 |
| Earnings coverage of net charge-offs (x) | 1.1479% | 4,972 |
| Efficiency ratio | 68.8905% | 4,847 |
| Assets per employee ($millions) | 1.0017% | 7,949 |
| Cash dividends to net income (ytd only)* | 5.3208% | 3,957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0405% | 352 |
| Loan loss allowance to noncurrent loans | 112.5292% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 2.6280% | 2,677 |
| Noncurrent loans to loans | 3.5906% | 2,110 |
| Net loans and leases to total assets | 70.2337% | 3,204 |
| Net loans and leases to deposits | 91.2465% | 2,005 |
| Net loans and leases to core deposits | 148.5415% | 546 |
| Total domestic deposits to total assets | 76.9714% | 6,486 |
| Equity capital to assets | 21.9295% | 226 |
| Core capital (leverage) ratio | 22.1013% | 208 |
| Tier 1 risk-based capital ratio | 28.0847% | 636 |
| Total risk-based capital ratio | 29.3661% | 613 |
| Memoranda: | ||
| Average total assets | $113,532,200 | 4,741 |
| Average earning assets | $109,167,600 | 4,590 |
| Average equity | $24,742,000 | 2,640 |
| Average total loans | $78,535,200 | 4,568 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.5444% | 14 |
| Cost of funding earning assets | 2.2054% | 2,390 |
| Net interest margin | 12.3391% | 14 |
| Noninterest income to average assets | 0.5210% | 4,308 |
| Noninterest expense to average assets | 8.8383% | 123 |
| Loan and lease loss provision to assets | 3.1860% | 436 |
| Net operating income to assets | 0.2199% | 5,092 |
| Return on assets (ROA) | 0.2199% | 5,170 |
| Pretax return on assets | 0.3740% | 4,867 |
| Return on Equity (ROE) | 1.0108% | 5,492 |
| Retained earnings to average equity (ytd only) | 0.9027% | 4,807 |
| Net charge-offs to loans | 5.5696% | 173 |
| Credit loss provision to net charge-offs | 83.9219% | 5,653 |
| Earnings coverage of net charge-offs (x) | 0.9377% | 5,122 |
| Efficiency ratio | 71.2863% | 4,367 |
| Assets per employee ($millions) | 1.0116% | 8,039 |
| Cash dividends to net income (ytd only)* | 10.6967% | 3,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8091% | 157 |
| Loan loss allowance to noncurrent loans | 156.7781% | 1,832 |
| Noncurrent assets plus other real estate owned to assets | 1.9011% | 3,504 |
| Noncurrent loans to loans | 3.0675% | 2,465 |
| Net loans and leases to total assets | 58.9963% | 5,741 |
| Net loans and leases to deposits | 78.5291% | 4,654 |
| Net loans and leases to core deposits | 132.7297% | 1,292 |
| Total domestic deposits to total assets | 75.1267% | 6,748 |
| Equity capital to assets | 21.8010% | 254 |
| Core capital (leverage) ratio | 21.6876% | 241 |
| Tier 1 risk-based capital ratio | 32.8454% | 449 |
| Total risk-based capital ratio | 34.1349% | 436 |
| Memoranda: | ||
| Average total assets | $113,367,000 | 4,769 |
| Average earning assets | $109,125,000 | 4,618 |
| Average equity | $24,667,000 | 2,663 |
| Average total loans | $77,274,250 | 4,655 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8978% | 14 |
| Cost of funding earning assets | 2.3355% | 2,219 |
| Net interest margin | 12.5623% | 13 |
| Noninterest income to average assets | 0.5556% | 3,987 |
| Noninterest expense to average assets | 8.8792% | 139 |
| Loan and lease loss provision to assets | 3.0515% | 493 |
| Net operating income to assets | 0.4233% | 4,409 |
| Return on assets (ROA) | 0.4233% | 4,521 |
| Pretax return on assets | 0.7214% | 3,930 |
| Return on Equity (ROE) | 1.9468% | 5,321 |
| Retained earnings to average equity (ytd only) | 1.8576% | 4,312 |
| Net charge-offs to loans | 5.7871% | 199 |
| Credit loss provision to net charge-offs | 75.0868% | 5,317 |
| Earnings coverage of net charge-offs (x) | 0.9284% | 4,838 |
| Efficiency ratio | 70.1798% | 4,742 |
| Assets per employee ($millions) | 0.9887% | 8,133 |
| Cash dividends to net income (ytd only)* | 4.5833% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4837% | 174 |
| Loan loss allowance to noncurrent loans | 152.0366% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 1.9052% | 3,333 |
| Noncurrent loans to loans | 2.9491% | 2,444 |
| Net loans and leases to total assets | 61.7059% | 5,405 |
| Net loans and leases to deposits | 79.5665% | 4,609 |
| Net loans and leases to core deposits | 134.3688% | 1,295 |
| Total domestic deposits to total assets | 77.5526% | 6,189 |
| Equity capital to assets | 21.5780% | 299 |
| Core capital (leverage) ratio | 21.7163% | 284 |
| Tier 1 risk-based capital ratio | 31.1683% | 531 |
| Total risk-based capital ratio | 32.4545% | 518 |
| Memoranda: | ||
| Average total assets | $113,388,670 | 4,788 |
| Average earning assets | $109,183,670 | 4,648 |
| Average equity | $24,655,670 | 2,673 |
| Average total loans | $79,625,330 | 4,594 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.4067% | 15 |
| Cost of funding earning assets | 2.4677% | 2,037 |
| Net interest margin | 12.9390% | 11 |
| Noninterest income to average assets | 0.6564% | 3,164 |
| Noninterest expense to average assets | 8.8274% | 134 |
| Loan and lease loss provision to assets | 3.5515% | 290 |
| Net operating income to assets | 0.4364% | 4,716 |
| Return on assets (ROA) | 0.4364% | 4,888 |
| Pretax return on assets | 0.7415% | 4,281 |
| Return on Equity (ROE) | 1.9992% | 5,776 |
| Retained earnings to average equity (ytd only) | 1.9017% | 4,797 |
| Net charge-offs to loans | 6.5540% | 136 |
| Credit loss provision to net charge-offs | 74.1481% | 4,281 |
| Earnings coverage of net charge-offs (x) | 0.8963% | 4,316 |
| Efficiency ratio | 67.2796% | 5,087 |
| Assets per employee ($millions) | 0.8852% | 8,194 |
| Cash dividends to net income (ytd only)* | 4.8780% | 2,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5001% | 148 |
| Loan loss allowance to noncurrent loans | 148.7836% | 2,166 |
| Noncurrent assets plus other real estate owned to assets | 2.1207% | 2,720 |
| Noncurrent loans to loans | 3.0246% | 2,160 |
| Net loans and leases to total assets | 66.9599% | 4,354 |
| Net loans and leases to deposits | 86.5485% | 3,543 |
| Net loans and leases to core deposits | 148.5876% | 755 |
| Total domestic deposits to total assets | 77.3669% | 6,191 |
| Equity capital to assets | 21.9037% | 308 |
| Core capital (leverage) ratio | 21.8650% | 311 |
| Tier 1 risk-based capital ratio | 28.6217% | 709 |
| Total risk-based capital ratio | 29.9050% | 692 |
| Memoranda: | ||
| Average total assets | $112,740,000 | 4,829 |
| Average earning assets | $108,602,000 | 4,675 |
| Average equity | $24,610,000 | 2,695 |
| Average total loans | $82,393,000 | 4,546 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.4389% | 10 |
| Cost of funding earning assets | 3.1869% | 1,235 |
| Net interest margin | 14.2520% | 9 |
| Noninterest income to average assets | 1.2550% | 935 |
| Noninterest expense to average assets | 8.0495% | 220 |
| Loan and lease loss provision to assets | 5.6763% | 72 |
| Net operating income to assets | 0.3884% | 5,200 |
| Return on assets (ROA) | 0.3884% | 5,012 |
| Pretax return on assets | 0.6673% | 4,498 |
| Return on Equity (ROE) | 1.8974% | 5,648 |
| Retained earnings to average equity (ytd only) | 1.2413% | 4,478 |
| Net charge-offs to loans | 6.5865% | 45 |
| Credit loss provision to net charge-offs | 108.2558% | 4,964 |
| Earnings coverage of net charge-offs (x) | 1.2098% | 5,526 |
| Efficiency ratio | 55.9261% | 7,023 |
| Assets per employee ($millions) | 0.9118% | 8,243 |
| Cash dividends to net income (ytd only)* | 34.5815% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5320% | 131 |
| Loan loss allowance to noncurrent loans | 119.9138% | 2,982 |
| Noncurrent assets plus other real estate owned to assets | 2.8736% | 1,622 |
| Noncurrent loans to loans | 3.7794% | 1,317 |
| Net loans and leases to total assets | 72.5866% | 3,466 |
| Net loans and leases to deposits | 93.4429% | 2,867 |
| Net loans and leases to core deposits | 162.7308% | 524 |
| Total domestic deposits to total assets | 77.6801% | 5,810 |
| Equity capital to assets | 21.7547% | 363 |
| Core capital (leverage) ratio | 21.6968% | 348 |
| Tier 1 risk-based capital ratio | 26.7574% | 841 |
| Total risk-based capital ratio | 28.0443% | 822 |
| Memoranda: | ||
| Average total assets | $116,889,400 | 4,593 |
| Average earning assets | $107,753,600 | 4,570 |
| Average equity | $23,927,200 | 2,738 |
| Average total loans | $93,054,400 | 4,131 |