Home > First Private Bank of Texas > Performance and Condition Ratios
First Private Bank of Texas, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3889% | 5,646 |
| Cost of funding earning assets | 0.4603% | 3,214 |
| Net interest margin | 2.9286% | 5,680 |
| Noninterest income to average assets | 0.0322% | 6,490 |
| Noninterest expense to average assets | 2.0505% | 5,723 |
| Loan and lease loss provision to assets | 0.0728% | 2,815 |
| Net operating income to assets | 0.4595% | 4,975 |
| Return on assets (ROA) | 0.4595% | 5,044 |
| Pretax return on assets | 0.7034% | 4,628 |
| Return on Equity (ROE) | 5.2695% | 4,545 |
| Retained earnings to average equity (ytd only) | 5.2695% | 2,784 |
| 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 | 72.5384% | 3,235 |
| Assets per employee ($millions) | 10.8416% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4404% | 6,462 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 84.8350% | 248 |
| Net loans and leases to deposits | 94.2366% | 944 |
| Net loans and leases to core deposits | 119.0376% | 399 |
| Total domestic deposits to total assets | 90.0233% | 797 |
| Equity capital to assets | 8.0420% | 6,129 |
| Core capital (leverage) ratio | 7.9356% | 6,140 |
| Tier 1 risk-based capital ratio | 12.4462% | 5,265 |
| Total risk-based capital ratio | 13.0310% | 5,588 |
| Memoranda: | ||
| Average total assets | $354,260,670 | 1,853 |
| Average earning assets | $338,049,670 | 1,781 |
| Average equity | $30,894,670 | 2,222 |
| Average total loans | $276,326,670 | 1,547 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1990% | 6,003 |
| Cost of funding earning assets | 0.4958% | 2,950 |
| Net interest margin | 2.7032% | 6,109 |
| Noninterest income to average assets | 0.0346% | 6,528 |
| Noninterest expense to average assets | 1.8462% | 6,152 |
| Loan and lease loss provision to assets | 0.0279% | 3,464 |
| Net operating income to assets | 0.5107% | 4,632 |
| Return on assets (ROA) | 0.5107% | 4,711 |
| Pretax return on assets | 0.7868% | 4,162 |
| Return on Equity (ROE) | 5.6434% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.6434% | 2,719 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3826% | 3,937 |
| Assets per employee ($millions) | 11.2003% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4329% | 6,545 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 76.8779% | 897 |
| Net loans and leases to deposits | 86.3980% | 1,546 |
| Net loans and leases to core deposits | 121.8187% | 290 |
| Total domestic deposits to total assets | 88.9811% | 1,674 |
| Equity capital to assets | 9.0751% | 5,025 |
| Core capital (leverage) ratio | 8.9207% | 5,114 |
| Tier 1 risk-based capital ratio | 15.8273% | 3,258 |
| Total risk-based capital ratio | 16.4123% | 3,583 |
| Memoranda: | ||
| Average total assets | $357,926,000 | 1,840 |
| Average earning assets | $347,732,500 | 1,729 |
| Average equity | $32,392,000 | 2,126 |
| Average total loans | $266,680,000 | 1,600 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0749% | 6,267 |
| Cost of funding earning assets | 0.5795% | 2,839 |
| Net interest margin | 2.4954% | 6,375 |
| Noninterest income to average assets | 0.0366% | 6,582 |
| Noninterest expense to average assets | 1.8122% | 6,302 |
| Loan and lease loss provision to assets | 0.0422% | 4,271 |
| Net operating income to assets | 0.4142% | 5,099 |
| Return on assets (ROA) | 0.4208% | 5,182 |
| Pretax return on assets | 0.6197% | 4,807 |
| Return on Equity (ROE) | 4.5843% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.5843% | 2,896 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5339% | 3,206 |
| Assets per employee ($millions) | 10.5130% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4571% | 6,602 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 71.4664% | 1,770 |
| Net loans and leases to deposits | 80.2351% | 2,425 |
| Net loans and leases to core deposits | 113.0269% | 497 |
| Total domestic deposits to total assets | 89.0712% | 1,573 |
| Equity capital to assets | 9.0247% | 5,005 |
| Core capital (leverage) ratio | 8.8666% | 5,189 |
| Tier 1 risk-based capital ratio | 14.7851% | 3,792 |
| Total risk-based capital ratio | 15.3281% | 4,187 |
| Memoranda: | ||
| Average total assets | $343,894,200 | 1,878 |
| Average earning assets | $334,578,000 | 1,776 |
| Average equity | $31,564,200 | 2,151 |
| Average total loans | $233,645,000 | 1,765 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0395% | 6,381 |
| Cost of funding earning assets | 0.5936% | 2,860 |
| Net interest margin | 2.4460% | 6,474 |
| Noninterest income to average assets | 0.0364% | 6,664 |
| Noninterest expense to average assets | 1.8427% | 6,277 |
| Loan and lease loss provision to assets | 0.0352% | 4,312 |
| Net operating income to assets | 0.3744% | 5,358 |
| Return on assets (ROA) | 0.3833% | 5,453 |
| Pretax return on assets | 0.5529% | 5,197 |
| Return on Equity (ROE) | 4.1582% | 5,149 |
| Retained earnings to average equity (ytd only) | 4.1582% | 3,727 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2105% | 2,699 |
| Assets per employee ($millions) | 10.2906% | 216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4638% | 6,680 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 68.5737% | 2,219 |
| Net loans and leases to deposits | 77.1582% | 2,802 |
| Net loans and leases to core deposits | 110.7892% | 549 |
| Total domestic deposits to total assets | 88.8742% | 1,627 |
| Equity capital to assets | 9.1020% | 5,056 |
| Core capital (leverage) ratio | 9.1857% | 4,856 |
| Tier 1 risk-based capital ratio | 17.0250% | 2,695 |
| Total risk-based capital ratio | 17.6301% | 2,966 |
| Memoranda: | ||
| Average total assets | $340,507,250 | 1,901 |
| Average earning assets | $331,532,500 | 1,808 |
| Average equity | $31,390,750 | 2,182 |
| Average total loans | $227,900,250 | 1,802 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0160% | 6,432 |
| Cost of funding earning assets | 0.6118% | 2,829 |
| Net interest margin | 2.4041% | 6,549 |
| Noninterest income to average assets | 0.0379% | 6,703 |
| Noninterest expense to average assets | 1.8655% | 6,275 |
| Loan and lease loss provision to assets | 0.0534% | 3,923 |
| Net operating income to assets | 0.3343% | 5,471 |
| Return on assets (ROA) | 0.3486% | 5,589 |
| Pretax return on assets | 0.4796% | 5,441 |
| Return on Equity (ROE) | 3.7645% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.7645% | 3,905 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4201% | 2,390 |
| Assets per employee ($millions) | 10.3509% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4757% | 6,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 68.4756% | 2,152 |
| Net loans and leases to deposits | 76.6457% | 2,774 |
| Net loans and leases to core deposits | 110.5393% | 544 |
| Total domestic deposits to total assets | 89.3404% | 1,418 |
| Equity capital to assets | 9.1718% | 5,027 |
| Core capital (leverage) ratio | 9.2420% | 4,634 |
| Tier 1 risk-based capital ratio | 16.9845% | 2,725 |
| Total risk-based capital ratio | 17.5960% | 2,974 |
| Memoranda: | ||
| Average total assets | $337,383,330 | 1,924 |
| Average earning assets | $328,518,670 | 1,823 |
| Average equity | $31,239,000 | 2,201 |
| Average total loans | $223,519,330 | 1,830 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9574% | 6,558 |
| Cost of funding earning assets | 0.6378% | 2,764 |
| Net interest margin | 2.3197% | 6,675 |
| Noninterest income to average assets | 0.0382% | 6,769 |
| Noninterest expense to average assets | 1.9565% | 6,191 |
| Loan and lease loss provision to assets | 0.0477% | 3,820 |
| Net operating income to assets | 0.2580% | 5,700 |
| Return on assets (ROA) | 0.2923% | 5,716 |
| Pretax return on assets | 0.3340% | 5,764 |
| Return on Equity (ROE) | 3.1416% | 5,520 |
| Retained earnings to average equity (ytd only) | 3.1416% | 4,379 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1064% | 1,629 |
| Assets per employee ($millions) | 9.7612% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4779% | 6,805 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 67.0163% | 2,191 |
| Net loans and leases to deposits | 74.0591% | 2,915 |
| Net loans and leases to core deposits | 109.0911% | 525 |
| Total domestic deposits to total assets | 90.4903% | 773 |
| Equity capital to assets | 9.4314% | 4,953 |
| Core capital (leverage) ratio | 9.1114% | 4,705 |
| Tier 1 risk-based capital ratio | 16.9164% | 2,790 |
| Total risk-based capital ratio | 17.5049% | 3,079 |
| Memoranda: | ||
| Average total assets | $335,285,000 | 1,956 |
| Average earning assets | $326,768,500 | 1,851 |
| Average equity | $31,194,000 | 2,226 |
| Average total loans | $217,770,500 | 1,885 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2315% | 6,643 |
| Cost of funding earning assets | 0.7935% | 2,719 |
| Net interest margin | 2.4380% | 6,749 |
| Noninterest income to average assets | 0.0629% | 6,644 |
| Noninterest expense to average assets | 1.9289% | 6,456 |
| Loan and lease loss provision to assets | 0.0565% | 5,077 |
| Net operating income to assets | 0.4608% | 4,837 |
| Return on assets (ROA) | 0.4818% | 5,008 |
| Pretax return on assets | 0.4818% | 5,336 |
| Return on Equity (ROE) | 4.9391% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.9391% | 2,742 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8550% | 2,297 |
| Assets per employee ($millions) | 9.9614% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4848% | 6,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 62.3081% | 3,206 |
| Net loans and leases to deposits | 68.6473% | 3,881 |
| Net loans and leases to core deposits | 99.9668% | 1,031 |
| Total domestic deposits to total assets | 90.7655% | 584 |
| Equity capital to assets | 9.1787% | 5,296 |
| Core capital (leverage) ratio | 9.4154% | 4,236 |
| Tier 1 risk-based capital ratio | 18.0310% | 2,249 |
| Total risk-based capital ratio | 18.6399% | 2,468 |
| Memoranda: | ||
| Average total assets | $309,910,400 | 2,075 |
| Average earning assets | $302,957,000 | 1,955 |
| Average equity | $30,228,400 | 2,235 |
| Average total loans | $190,494,200 | 2,088 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2803% | 6,744 |
| Cost of funding earning assets | 0.8291% | 2,713 |
| Net interest margin | 2.4512% | 6,860 |
| Noninterest income to average assets | 0.0718% | 6,729 |
| Noninterest expense to average assets | 2.0102% | 6,338 |
| Loan and lease loss provision to assets | 0.0771% | 4,676 |
| Net operating income to assets | 0.3819% | 5,321 |
| Return on assets (ROA) | 0.4123% | 5,427 |
| Pretax return on assets | 0.4123% | 5,691 |
| Return on Equity (ROE) | 4.1580% | 5,227 |
| Retained earnings to average equity (ytd only) | 4.1580% | 3,974 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4128% | 1,882 |
| Assets per employee ($millions) | 9.3674% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4804% | 6,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 66.8709% | 2,489 |
| Net loans and leases to deposits | 74.1511% | 3,258 |
| Net loans and leases to core deposits | 113.2217% | 455 |
| Total domestic deposits to total assets | 90.1819% | 743 |
| Equity capital to assets | 9.6793% | 4,950 |
| Core capital (leverage) ratio | 9.7702% | 3,842 |
| Tier 1 risk-based capital ratio | 17.3985% | 2,579 |
| Total risk-based capital ratio | 17.9975% | 2,837 |
| Memoranda: | ||
| Average total assets | $302,716,000 | 2,139 |
| Average earning assets | $296,067,000 | 2,016 |
| Average equity | $30,013,750 | 2,269 |
| Average total loans | $185,103,250 | 2,167 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2569% | 6,843 |
| Cost of funding earning assets | 0.8690% | 2,666 |
| Net interest margin | 2.3879% | 6,966 |
| Noninterest income to average assets | 0.0746% | 6,776 |
| Noninterest expense to average assets | 2.0164% | 6,398 |
| Loan and lease loss provision to assets | 0.0773% | 4,650 |
| Net operating income to assets | 0.3200% | 5,544 |
| Return on assets (ROA) | 0.3638% | 5,585 |
| Pretax return on assets | 0.3638% | 5,794 |
| Return on Equity (ROE) | 3.6379% | 5,426 |
| Retained earnings to average equity (ytd only) | 3.6379% | 4,176 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5376% | 1,681 |
| Assets per employee ($millions) | 9.7690% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5056% | 7,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 59.0856% | 3,979 |
| Net loans and leases to deposits | 66.3699% | 4,461 |
| Net loans and leases to core deposits | 99.0685% | 1,168 |
| Total domestic deposits to total assets | 89.0247% | 1,489 |
| Equity capital to assets | 9.3266% | 5,285 |
| Core capital (leverage) ratio | 10.0836% | 3,298 |
| Tier 1 risk-based capital ratio | 18.4359% | 2,151 |
| Total risk-based capital ratio | 19.0415% | 2,339 |
| Memoranda: | ||
| Average total assets | $297,457,000 | 2,171 |
| Average earning assets | $291,381,330 | 2,041 |
| Average equity | $29,742,330 | 2,273 |
| Average total loans | $175,468,670 | 2,287 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3413% | 6,866 |
| Cost of funding earning assets | 0.9262% | 2,469 |
| Net interest margin | 2.4150% | 7,003 |
| Noninterest income to average assets | 0.0744% | 6,845 |
| Noninterest expense to average assets | 2.1081% | 6,255 |
| Loan and lease loss provision to assets | 0.1123% | 3,956 |
| Net operating income to assets | 0.2218% | 5,914 |
| Return on assets (ROA) | 0.3130% | 5,774 |
| Pretax return on assets | 0.3130% | 5,951 |
| Return on Equity (ROE) | 3.0156% | 5,709 |
| Retained earnings to average equity (ytd only) | 3.0156% | 4,743 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3218% | 1,450 |
| Assets per employee ($millions) | 9.8971% | 242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5329% | 7,041 |
| 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 | 60.6705% | 3,517 |
| Net loans and leases to deposits | 69.0857% | 3,858 |
| Net loans and leases to core deposits | 111.8811% | 475 |
| Total domestic deposits to total assets | 87.8191% | 2,443 |
| Equity capital to assets | 10.3423% | 3,681 |
| Core capital (leverage) ratio | 10.3744% | 2,904 |
| Tier 1 risk-based capital ratio | 19.1528% | 1,947 |
| Total risk-based capital ratio | 19.7659% | 2,111 |
| Memoranda: | ||
| Average total assets | $284,996,500 | 2,286 |
| Average earning assets | $279,415,500 | 2,135 |
| Average equity | $29,580,000 | 2,289 |
| Average total loans | $167,479,500 | 2,395 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5481% | 6,966 |
| Cost of funding earning assets | 1.0826% | 2,788 |
| Net interest margin | 2.4655% | 7,070 |
| Noninterest income to average assets | 0.0757% | 6,733 |
| Noninterest expense to average assets | 2.2437% | 6,177 |
| Loan and lease loss provision to assets | 0.0280% | 6,225 |
| Net operating income to assets | 0.2162% | 5,541 |
| Return on assets (ROA) | 0.2410% | 5,603 |
| Pretax return on assets | 0.2410% | 5,688 |
| Return on Equity (ROE) | 2.0912% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.0912% | 4,722 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1850% | 1,174 |
| Assets per employee ($millions) | 9.1283% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5335% | 7,076 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 56.2021% | 4,665 |
| Net loans and leases to deposits | 64.0517% | 5,002 |
| Net loans and leases to core deposits | 100.8523% | 1,102 |
| Total domestic deposits to total assets | 87.7449% | 2,313 |
| Equity capital to assets | 10.4164% | 3,632 |
| Core capital (leverage) ratio | 10.8253% | 2,416 |
| Tier 1 risk-based capital ratio | 20.2524% | 1,584 |
| Total risk-based capital ratio | 20.8499% | 1,696 |
| Memoranda: | ||
| Average total assets | $249,808,400 | 2,527 |
| Average earning assets | $244,413,000 | 2,354 |
| Average equity | $28,787,000 | 2,284 |
| Average total loans | $141,568,800 | 2,763 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6579% | 6,973 |
| Cost of funding earning assets | 1.1211% | 2,821 |
| Net interest margin | 2.5368% | 7,115 |
| Noninterest income to average assets | 0.0712% | 6,875 |
| Noninterest expense to average assets | 2.3578% | 5,888 |
| Loan and lease loss provision to assets | 0.0276% | 6,094 |
| Net operating income to assets | 0.1667% | 5,782 |
| Return on assets (ROA) | 0.2009% | 5,829 |
| Pretax return on assets | 0.2009% | 5,894 |
| Return on Equity (ROE) | 1.6960% | 5,873 |
| Retained earnings to average equity (ytd only) | 1.6960% | 5,293 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3859% | 1,005 |
| Assets per employee ($millions) | 8.7435% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5636% | 7,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 56.0260% | 4,837 |
| Net loans and leases to deposits | 64.6511% | 5,092 |
| Net loans and leases to core deposits | 105.9706% | 868 |
| Total domestic deposits to total assets | 86.6590% | 2,848 |
| Equity capital to assets | 11.3101% | 2,858 |
| Core capital (leverage) ratio | 11.1758% | 2,261 |
| Tier 1 risk-based capital ratio | 21.1003% | 1,433 |
| Total risk-based capital ratio | 21.7133% | 1,544 |
| Memoranda: | ||
| Average total assets | $241,516,250 | 2,630 |
| Average earning assets | $236,195,250 | 2,446 |
| Average equity | $28,614,750 | 2,297 |
| Average total loans | $136,988,000 | 2,885 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6586% | 7,050 |
| Cost of funding earning assets | 1.1297% | 3,037 |
| Net interest margin | 2.5289% | 7,168 |
| Noninterest income to average assets | 0.0656% | 6,974 |
| Noninterest expense to average assets | 2.4179% | 5,788 |
| Loan and lease loss provision to assets | 0.0426% | 5,780 |
| Net operating income to assets | 0.0767% | 6,064 |
| Return on assets (ROA) | 0.1296% | 6,030 |
| Pretax return on assets | 0.1296% | 6,048 |
| Return on Equity (ROE) | 1.0756% | 6,065 |
| Retained earnings to average equity (ytd only) | 1.0756% | 5,433 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2957% | 912 |
| Assets per employee ($millions) | 8.7098% | 361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6052% | 7,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 54.1588% | 5,269 |
| Net loans and leases to deposits | 64.1252% | 5,255 |
| Net loans and leases to core deposits | 112.3322% | 636 |
| Total domestic deposits to total assets | 84.4579% | 4,143 |
| Equity capital to assets | 11.4999% | 2,500 |
| Core capital (leverage) ratio | 11.7382% | 1,756 |
| Tier 1 risk-based capital ratio | 22.1515% | 1,232 |
| Total risk-based capital ratio | 22.8000% | 1,298 |
| Memoranda: | ||
| Average total assets | $234,586,670 | 2,708 |
| Average earning assets | $229,267,670 | 2,533 |
| Average equity | $28,264,000 | 2,293 |
| Average total loans | $133,386,670 | 2,976 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5630% | 7,169 |
| Cost of funding earning assets | 1.0455% | 3,884 |
| Net interest margin | 2.5175% | 7,183 |
| Noninterest income to average assets | 0.0621% | 7,088 |
| Noninterest expense to average assets | 2.4753% | 5,645 |
| Loan and lease loss provision to assets | 0.0887% | 4,903 |
| Net operating income to assets | -0.0426% | 6,405 |
| Return on assets (ROA) | 0.0674% | 6,234 |
| Pretax return on assets | 0.0674% | 6,243 |
| Return on Equity (ROE) | 0.5453% | 6,256 |
| Retained earnings to average equity (ytd only) | 0.5453% | 5,612 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1716% | 824 |
| Assets per employee ($millions) | 9.0080% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6084% | 7,192 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 55.9484% | 4,997 |
| Net loans and leases to deposits | 66.3496% | 4,921 |
| Net loans and leases to core deposits | 116.0238% | 533 |
| Total domestic deposits to total assets | 84.3237% | 4,358 |
| Equity capital to assets | 11.4919% | 2,277 |
| Core capital (leverage) ratio | 13.1830% | 1,066 |
| Tier 1 risk-based capital ratio | 22.7945% | 1,112 |
| Total risk-based capital ratio | 23.4648% | 1,166 |
| Memoranda: | ||
| Average total assets | $225,587,500 | 2,812 |
| Average earning assets | $220,377,500 | 2,656 |
| Average equity | $27,872,500 | 2,310 |
| Average total loans | $131,265,000 | 3,042 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 7,220 |
| Cost of funding earning assets | 1.1801% | 4,674 |
| Net interest margin | 2.6921% | 7,129 |
| Noninterest income to average assets | 0.0750% | 7,008 |
| Noninterest expense to average assets | 2.7709% | 4,703 |
| Loan and lease loss provision to assets | 0.1971% | 5,265 |
| Net operating income to assets | -0.2731% | 6,190 |
| Return on assets (ROA) | -0.1998% | 6,166 |
| Pretax return on assets | -0.1998% | 6,084 |
| Return on Equity (ROE) | -1.2832% | 6,095 |
| Retained earnings to average equity (ytd only) | -1.2832% | 5,855 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8235% | 698 |
| Assets per employee ($millions) | 7.4271% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6233% | 7,232 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 60.0303% | 4,676 |
| Net loans and leases to deposits | 73.4157% | 4,295 |
| Net loans and leases to core deposits | 108.5141% | 1,014 |
| Total domestic deposits to total assets | 81.7676% | 5,252 |
| Equity capital to assets | 13.3656% | 1,235 |
| Core capital (leverage) ratio | 14.0169% | 843 |
| Tier 1 risk-based capital ratio | 23.8728% | 945 |
| Total risk-based capital ratio | 24.5338% | 986 |
| Memoranda: | ||
| Average total assets | $182,684,400 | 3,336 |
| Average earning assets | $177,780,200 | 3,145 |
| Average equity | $28,444,800 | 2,289 |
| Average total loans | $117,393,200 | 3,375 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8917% | 7,349 |
| Cost of funding earning assets | 1.1978% | 4,875 |
| Net interest margin | 2.6940% | 7,240 |
| Noninterest income to average assets | 0.0779% | 7,143 |
| Noninterest expense to average assets | 2.7745% | 4,584 |
| Loan and lease loss provision to assets | 0.2722% | 4,409 |
| Net operating income to assets | -0.3485% | 6,469 |
| Return on assets (ROA) | -0.2472% | 6,427 |
| Pretax return on assets | -0.2472% | 6,360 |
| Return on Equity (ROE) | -1.5241% | 6,346 |
| Retained earnings to average equity (ytd only) | -1.5241% | 6,105 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8299% | 659 |
| Assets per employee ($millions) | 6.8704% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 7,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 59.5232% | 5,001 |
| Net loans and leases to deposits | 73.3486% | 4,629 |
| Net loans and leases to core deposits | 107.5750% | 1,196 |
| Total domestic deposits to total assets | 81.1511% | 5,319 |
| Equity capital to assets | 13.8589% | 1,213 |
| Core capital (leverage) ratio | 14.9238% | 730 |
| Tier 1 risk-based capital ratio | 24.3543% | 909 |
| Total risk-based capital ratio | 25.0280% | 949 |
| Memoranda: | ||
| Average total assets | $176,365,500 | 3,475 |
| Average earning assets | $171,539,750 | 3,294 |
| Average equity | $28,607,250 | 2,303 |
| Average total loans | $115,336,000 | 3,470 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8817% | 7,442 |
| Cost of funding earning assets | 1.1956% | 5,154 |
| Net interest margin | 2.6861% | 7,271 |
| Noninterest income to average assets | 0.0817% | 7,181 |
| Noninterest expense to average assets | 2.7396% | 4,741 |
| Loan and lease loss provision to assets | 0.4326% | 3,152 |
| Net operating income to assets | -0.4746% | 6,625 |
| Return on assets (ROA) | -0.4830% | 6,672 |
| Pretax return on assets | -0.4830% | 6,573 |
| Return on Equity (ROE) | -2.8091% | 6,500 |
| Retained earnings to average equity (ytd only) | -2.8091% | 6,269 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5590% | 747 |
| Assets per employee ($millions) | 7.2745% | 674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6578% | 7,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 60.2061% | 5,016 |
| Net loans and leases to deposits | 76.0297% | 4,331 |
| Net loans and leases to core deposits | 112.6564% | 997 |
| Total domestic deposits to total assets | 79.1876% | 5,983 |
| Equity capital to assets | 14.5989% | 981 |
| Core capital (leverage) ratio | 16.7380% | 471 |
| Tier 1 risk-based capital ratio | 25.5906% | 802 |
| Total risk-based capital ratio | 26.3006% | 822 |
| Memoranda: | ||
| Average total assets | $166,449,670 | 3,665 |
| Average earning assets | $162,094,000 | 3,480 |
| Average equity | $28,621,330 | 2,295 |
| Average total loans | $112,625,330 | 3,565 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 7,399 |
| Cost of funding earning assets | 1.2397% | 5,175 |
| Net interest margin | 2.8339% | 7,132 |
| Noninterest income to average assets | 0.0898% | 7,256 |
| Noninterest expense to average assets | 2.6487% | 5,149 |
| Loan and lease loss provision to assets | 0.9507% | 1,323 |
| Net operating income to assets | -0.7447% | 6,985 |
| Return on assets (ROA) | -0.7447% | 7,009 |
| Pretax return on assets | -0.7447% | 6,922 |
| Return on Equity (ROE) | -3.9447% | 6,817 |
| Retained earnings to average equity (ytd only) | -3.9447% | 6,490 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7845% | 1,221 |
| Assets per employee ($millions) | 7.4909% | 652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6911% | 7,353 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 68.2729% | 3,314 |
| Net loans and leases to deposits | 90.6566% | 1,805 |
| Net loans and leases to core deposits | 133.3298% | 418 |
| Total domestic deposits to total assets | 75.3093% | 6,863 |
| Equity capital to assets | 17.3096% | 495 |
| Core capital (leverage) ratio | 18.5781% | 337 |
| Tier 1 risk-based capital ratio | 28.1275% | 631 |
| Total risk-based capital ratio | 28.9049% | 652 |
| Memoranda: | ||
| Average total assets | $151,468,500 | 3,990 |
| Average earning assets | $147,781,500 | 3,806 |
| Average equity | $28,595,000 | 2,322 |
| Average total loans | $109,420,500 | 3,694 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4546% | 7,421 |
| Cost of funding earning assets | 1.2425% | 6,496 |
| Net interest margin | 3.2120% | 6,048 |
| Noninterest income to average assets | 0.0613% | 7,450 |
| Noninterest expense to average assets | 2.9312% | 4,423 |
| Loan and lease loss provision to assets | 0.1128% | 6,511 |
| Net operating income to assets | 0.1455% | 5,063 |
| Return on assets (ROA) | 0.2069% | 4,942 |
| Pretax return on assets | 0.2069% | 4,991 |
| Return on Equity (ROE) | 0.8852% | 5,266 |
| Retained earnings to average equity (ytd only) | 0.8852% | 4,405 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8995% | 1,570 |
| Assets per employee ($millions) | 7.2704% | 722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4008% | 7,756 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 76.0993% | 1,768 |
| Net loans and leases to deposits | 107.9525% | 463 |
| Net loans and leases to core deposits | 200.0495% | 101 |
| Total domestic deposits to total assets | 70.4933% | 7,376 |
| Equity capital to assets | 20.7503% | 259 |
| Core capital (leverage) ratio | 22.3838% | 201 |
| Tier 1 risk-based capital ratio | 30.8021% | 484 |
| Total risk-based capital ratio | 31.2581% | 508 |
| Memoranda: | ||
| Average total assets | $122,305,400 | 4,508 |
| Average earning assets | $119,114,000 | 4,330 |
| Average equity | $28,581,200 | 2,327 |
| Average total loans | $92,506,000 | 4,145 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5463% | 7,458 |
| Cost of funding earning assets | 1.2389% | 6,761 |
| Net interest margin | 3.3073% | 5,614 |
| Noninterest income to average assets | 0.0225% | 7,760 |
| Noninterest expense to average assets | 3.0249% | 3,952 |
| Loan and lease loss provision to assets | 0.0541% | 6,835 |
| Net operating income to assets | 0.1645% | 5,271 |
| Return on assets (ROA) | 0.2490% | 5,076 |
| Pretax return on assets | 0.2490% | 5,190 |
| Return on Equity (ROE) | 1.0317% | 5,485 |
| Retained earnings to average equity (ytd only) | 1.0317% | 4,737 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2615% | 1,452 |
| Assets per employee ($millions) | 7.0354% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3588% | 7,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 77.3290% | 1,713 |
| Net loans and leases to deposits | 117.7458% | 242 |
| Net loans and leases to core deposits | 219.8042% | 70 |
| Total domestic deposits to total assets | 65.6745% | 7,702 |
| Equity capital to assets | 24.1041% | 194 |
| Core capital (leverage) ratio | 23.4058% | 198 |
| Tier 1 risk-based capital ratio | 34.4531% | 398 |
| Total risk-based capital ratio | 34.8555% | 407 |
| Memoranda: | ||
| Average total assets | $118,347,250 | 4,640 |
| Average earning assets | $115,256,500 | 4,445 |
| Average equity | $28,560,500 | 2,354 |
| Average total loans | $89,246,250 | 4,271 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4877% | 7,630 |
| Cost of funding earning assets | 1.2187% | 7,051 |
| Net interest margin | 3.2690% | 5,667 |
| Noninterest income to average assets | 0.0237% | 7,856 |
| Noninterest expense to average assets | 3.0323% | 3,960 |
| Loan and lease loss provision to assets | 0.0814% | 6,371 |
| Net operating income to assets | 0.0899% | 5,593 |
| Return on assets (ROA) | 0.1899% | 5,376 |
| Pretax return on assets | 0.1899% | 5,494 |
| Return on Equity (ROE) | 0.7868% | 5,696 |
| Retained earnings to average equity (ytd only) | 0.7868% | 4,877 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6533% | 1,464 |
| Assets per employee ($millions) | 7.3655% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3464% | 7,953 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 76.5074% | 2,056 |
| Net loans and leases to deposits | 125.2769% | 158 |
| Net loans and leases to core deposits | 205.3064% | 107 |
| Total domestic deposits to total assets | 61.0706% | 7,914 |
| Equity capital to assets | 22.7890% | 257 |
| Core capital (leverage) ratio | 23.6942% | 235 |
| Tier 1 risk-based capital ratio | 32.8802% | 472 |
| Total risk-based capital ratio | 33.2661% | 489 |
| Memoranda: | ||
| Average total assets | $117,929,000 | 4,686 |
| Average earning assets | $114,712,670 | 4,497 |
| Average equity | $28,471,000 | 2,378 |
| Average total loans | $88,055,000 | 4,335 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3917% | 7,803 |
| Cost of funding earning assets | 1.2269% | 7,233 |
| Net interest margin | 3.1648% | 5,969 |
| Noninterest income to average assets | 0.0175% | 7,989 |
| Noninterest expense to average assets | 3.0240% | 3,659 |
| Loan and lease loss provision to assets | 0.0805% | 5,941 |
| Net operating income to assets | -0.0175% | 6,282 |
| Return on assets (ROA) | 0.1890% | 5,862 |
| Pretax return on assets | 0.1890% | 5,969 |
| Return on Equity (ROE) | 0.7595% | 6,205 |
| Retained earnings to average equity (ytd only) | 0.7595% | 5,360 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9592% | 1,223 |
| Assets per employee ($millions) | 7.4958% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3411% | 8,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 75.0242% | 2,498 |
| Net loans and leases to deposits | 127.7897% | 165 |
| Net loans and leases to core deposits | 168.6466% | 368 |
| Total domestic deposits to total assets | 58.7091% | 7,996 |
| Equity capital to assets | 23.6742% | 256 |
| Core capital (leverage) ratio | 25.6208% | 221 |
| Tier 1 risk-based capital ratio | 33.4791% | 475 |
| Total risk-based capital ratio | 33.8450% | 497 |
| Memoranda: | ||
| Average total assets | $114,286,500 | 4,793 |
| Average earning assets | $110,846,000 | 4,612 |
| Average equity | $28,439,000 | 2,387 |
| Average total loans | $84,017,000 | 4,495 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1375% | 7,739 |
| Cost of funding earning assets | 1.6785% | 7,309 |
| Net interest margin | 3.4590% | 5,443 |
| Noninterest income to average assets | 0.0023% | 8,098 |
| Noninterest expense to average assets | 3.7683% | 1,816 |
| Loan and lease loss provision to assets | 0.1897% | 4,986 |
| Net operating income to assets | -0.6230% | 7,019 |
| Return on assets (ROA) | -0.5832% | 6,877 |
| Pretax return on assets | -0.5832% | 6,723 |
| Return on Equity (ROE) | -1.7573% | 6,472 |
| Retained earnings to average equity (ytd only) | -1.7573% | 5,804 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9916% | 653 |
| Assets per employee ($millions) | 6.7901% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3666% | 8,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 71.3018% | 3,730 |
| Net loans and leases to deposits | 118.7973% | 420 |
| Net loans and leases to core deposits | 157.7883% | 625 |
| Total domestic deposits to total assets | 60.0197% | 7,967 |
| Equity capital to assets | 26.2194% | 240 |
| Core capital (leverage) ratio | 26.4775% | 233 |
| Tier 1 risk-based capital ratio | 37.7653% | 377 |
| Total risk-based capital ratio | 38.1485% | 391 |
| Memoranda: | ||
| Average total assets | $85,396,600 | 5,502 |
| Average earning assets | $82,277,200 | 5,361 |
| Average equity | $28,339,400 | 2,384 |
| Average total loans | $50,759,400 | 5,671 |