Home > Hampton State Bank > Performance and Condition Ratios
Hampton State Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8485% | 3,945 |
| Cost of funding earning assets | 0.5180% | 2,057 |
| Net interest margin | 3.3304% | 4,216 |
| Noninterest income to average assets | 0.4307% | 3,859 |
| Noninterest expense to average assets | 2.2929% | 4,795 |
| Loan and lease loss provision to assets | 0.0928% | 2,310 |
| Net operating income to assets | 1.0266% | 2,346 |
| Return on assets (ROA) | 1.0248% | 2,441 |
| Pretax return on assets | 1.0750% | 3,316 |
| Return on Equity (ROE) | 6.8944% | 3,689 |
| Retained earnings to average equity (ytd only) | 5.7703% | 2,388 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9678% | 4,255 |
| Assets per employee ($millions) | 5.7949% | 1,512 |
| Cash dividends to net income (ytd only)* | 16.3048% | 3,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1746% | 6,183 |
| Loan loss allowance to noncurrent loans | 3,750.0000% | 199 |
| Noncurrent assets plus other real estate owned to assets | 0.0029% | 5,810 |
| Noncurrent loans to loans | 0.0047% | 5,640 |
| Net loans and leases to total assets | 61.6517% | 3,656 |
| Net loans and leases to deposits | 80.6456% | 2,803 |
| Net loans and leases to core deposits | 85.7046% | 2,883 |
| Total domestic deposits to total assets | 76.4477% | 5,421 |
| Equity capital to assets | 15.6977% | 615 |
| Core capital (leverage) ratio | 10.8239% | 2,684 |
| Tier 1 risk-based capital ratio | 14.4569% | 3,602 |
| Total risk-based capital ratio | 14.6072% | 4,138 |
| Memoranda: | ||
| Average total assets | $71,814,500 | 5,106 |
| Average earning assets | $65,375,000 | 5,111 |
| Average equity | $10,675,000 | 4,589 |
| Average total loans | $43,259,250 | 4,939 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8160% | 4,004 |
| Cost of funding earning assets | 0.5149% | 2,115 |
| Net interest margin | 3.3011% | 4,296 |
| Noninterest income to average assets | 0.4161% | 3,958 |
| Noninterest expense to average assets | 2.0531% | 5,433 |
| Loan and lease loss provision to assets | 0.1378% | 1,587 |
| Net operating income to assets | 1.1683% | 1,707 |
| Return on assets (ROA) | 1.1657% | 1,790 |
| Pretax return on assets | 1.2264% | 2,665 |
| Return on Equity (ROE) | 7.9851% | 3,064 |
| Retained earnings to average equity (ytd only) | 6.8525% | 1,771 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7760% | 5,246 |
| Assets per employee ($millions) | 5.9706% | 1,381 |
| Cash dividends to net income (ytd only)* | 14.1844% | 3,365 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1727% | 6,251 |
| Loan loss allowance to noncurrent loans | 2,500.0000% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,896 |
| Noncurrent loans to loans | 0.0069% | 5,742 |
| Net loans and leases to total assets | 60.4924% | 3,758 |
| Net loans and leases to deposits | 75.1496% | 3,369 |
| Net loans and leases to core deposits | 80.2091% | 3,370 |
| Total domestic deposits to total assets | 80.4960% | 4,749 |
| Equity capital to assets | 14.9888% | 705 |
| Core capital (leverage) ratio | 10.5009% | 2,950 |
| Tier 1 risk-based capital ratio | 13.8857% | 3,984 |
| Total risk-based capital ratio | 14.0321% | 4,549 |
| Memoranda: | ||
| Average total assets | $72,573,000 | 5,142 |
| Average earning assets | $66,037,670 | 5,155 |
| Average equity | $10,594,670 | 4,638 |
| Average total loans | $43,363,330 | 4,974 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7832% | 4,077 |
| Cost of funding earning assets | 0.5060% | 2,232 |
| Net interest margin | 3.2772% | 4,312 |
| Noninterest income to average assets | 0.4272% | 3,783 |
| Noninterest expense to average assets | 2.0976% | 5,390 |
| Loan and lease loss provision to assets | 0.1369% | 1,507 |
| Net operating income to assets | 1.1170% | 1,805 |
| Return on assets (ROA) | 1.1118% | 1,936 |
| Pretax return on assets | 1.1665% | 2,805 |
| Return on Equity (ROE) | 7.7168% | 3,114 |
| Retained earnings to average equity (ytd only) | 6.5764% | 2,202 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3248% | 5,179 |
| Assets per employee ($millions) | 5.8553% | 1,501 |
| Cash dividends to net income (ytd only)* | 14.7783% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1186% | 6,342 |
| Loan loss allowance to noncurrent loans | 1,250.0000% | 445 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 5,937 |
| Noncurrent loans to loans | 0.0095% | 5,770 |
| Net loans and leases to total assets | 59.9533% | 3,659 |
| Net loans and leases to deposits | 73.7302% | 3,345 |
| Net loans and leases to core deposits | 76.3549% | 3,554 |
| Total domestic deposits to total assets | 81.3145% | 4,731 |
| Equity capital to assets | 15.1929% | 684 |
| Core capital (leverage) ratio | 10.1195% | 3,440 |
| Tier 1 risk-based capital ratio | 13.1014% | 4,551 |
| Total risk-based capital ratio | 13.1959% | 5,165 |
| Memoranda: | ||
| Average total assets | $73,036,000 | 5,171 |
| Average earning assets | $66,398,500 | 5,187 |
| Average equity | $10,522,500 | 4,690 |
| Average total loans | $43,337,000 | 5,006 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8512% | 6,477 |
| Cost of funding earning assets | 0.1272% | 6,212 |
| Net interest margin | 0.7241% | 6,480 |
| Noninterest income to average assets | 0.1045% | 6,137 |
| Noninterest expense to average assets | 0.4344% | 6,487 |
| Loan and lease loss provision to assets | 0.0339% | 3,911 |
| Net operating income to assets | 0.2992% | 5,516 |
| Return on assets (ROA) | 0.3611% | 5,425 |
| Pretax return on assets | 0.3814% | 5,532 |
| Return on Equity (ROE) | 2.9127% | 5,506 |
| Retained earnings to average equity (ytd only) | -24.4624% | 6,447 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9412% | 5,917 |
| Assets per employee ($millions) | 6.3174% | 1,174 |
| Cash dividends to net income (ytd only)* | 939.8496% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0562% | 6,440 |
| Loan loss allowance to noncurrent loans | 227.2727% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0145% | 5,996 |
| Noncurrent loans to loans | 0.0247% | 5,789 |
| Net loans and leases to total assets | 58.6659% | 3,970 |
| Net loans and leases to deposits | 72.1465% | 3,666 |
| Net loans and leases to core deposits | 74.8998% | 3,828 |
| Total domestic deposits to total assets | 81.3149% | 4,650 |
| Equity capital to assets | 13.6791% | 1,082 |
| Core capital (leverage) ratio | 9.0278% | 4,950 |
| Tier 1 risk-based capital ratio | 10.7018% | 6,025 |
| Total risk-based capital ratio | 10.7435% | 6,329 |
| Memoranda: | ||
| Average total assets | $73,670,000 | 5,194 |
| Average earning assets | $69,193,800 | 5,144 |
| Average equity | $9,132,400 | 4,942 |
| Average total loans | $37,209,800 | 5,287 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8100% | 4,506 |
| Cost of funding earning assets | 0.6337% | 1,571 |
| Net interest margin | 3.1763% | 5,043 |
| Noninterest income to average assets | 0.6107% | 2,803 |
| Noninterest expense to average assets | 4.2094% | 605 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.5560% | 6,383 |
| Return on assets (ROA) | -0.5560% | 6,380 |
| Pretax return on assets | -0.5834% | 6,378 |
| Return on Equity (ROE) | -4.6091% | 6,358 |
| Retained earnings to average equity (ytd only) | -11.7870% | 6,410 |
| Net charge-offs to loans | -0.0038% | 5,257 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0885% | 155 |
| Assets per employee ($millions) | 4.9486% | 2,302 |
| Cash dividends to net income (ytd only)* | -155.7370% | 6,579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 2,510 |
| Loan loss allowance to noncurrent loans | 4,733.3333% | 143 |
| Noncurrent assets plus other real estate owned to assets | 0.0173% | 6,104 |
| Noncurrent loans to loans | 0.0327% | 5,904 |
| Net loans and leases to total assets | 52.1666% | 4,789 |
| Net loans and leases to deposits | 61.4915% | 4,794 |
| Net loans and leases to core deposits | 65.4136% | 4,761 |
| Total domestic deposits to total assets | 84.8355% | 3,406 |
| Equity capital to assets | 11.9356% | 2,115 |
| Core capital (leverage) ratio | 10.1902% | 3,423 |
| Tier 1 risk-based capital ratio | 14.6087% | 3,811 |
| Total risk-based capital ratio | 15.7195% | 3,840 |
| Memoranda: | ||
| Average total assets | $73,135,250 | 5,261 |
| Average earning assets | $69,430,000 | 5,190 |
| Average equity | $8,823,000 | 5,056 |
| Average total loans | $35,387,500 | 5,400 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8837% | 4,203 |
| Cost of funding earning assets | 0.6611% | 1,428 |
| Net interest margin | 3.2226% | 4,861 |
| Noninterest income to average assets | 0.5079% | 3,419 |
| Noninterest expense to average assets | 2.4321% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0589% | 2,088 |
| Return on assets (ROA) | 1.0589% | 2,162 |
| Pretax return on assets | 1.1153% | 3,039 |
| Return on Equity (ROE) | 8.7481% | 2,715 |
| Retained earnings to average equity (ytd only) | 6.1947% | 2,217 |
| Net charge-offs to loans | 0.0057% | 4,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 415.0000% | 169 |
| Efficiency ratio | 68.5606% | 3,911 |
| Assets per employee ($millions) | 5.4901% | 1,698 |
| Cash dividends to net income (ytd only)* | 29.1878% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6574% | 2,264 |
| Loan loss allowance to noncurrent loans | 4,353.8462% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 6,184 |
| Noncurrent loans to loans | 0.0381% | 5,941 |
| Net loans and leases to total assets | 43.6932% | 5,553 |
| Net loans and leases to deposits | 51.9981% | 5,500 |
| Net loans and leases to core deposits | 54.5497% | 5,518 |
| Total domestic deposits to total assets | 84.0283% | 3,911 |
| Equity capital to assets | 12.0477% | 1,942 |
| Core capital (leverage) ratio | 11.1690% | 2,275 |
| Tier 1 risk-based capital ratio | 13.3628% | 4,678 |
| Total risk-based capital ratio | 14.2510% | 4,848 |
| Memoranda: | ||
| Average total assets | $74,420,330 | 5,283 |
| Average earning assets | $70,191,330 | 5,217 |
| Average equity | $9,007,670 | 5,028 |
| Average total loans | $34,947,000 | 5,458 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 4,567 |
| Cost of funding earning assets | 0.6769% | 1,392 |
| Net interest margin | 3.1033% | 5,238 |
| Noninterest income to average assets | 0.4536% | 3,758 |
| Noninterest expense to average assets | 2.5137% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8525% | 2,884 |
| Return on assets (ROA) | 0.8525% | 2,956 |
| Pretax return on assets | 0.8962% | 3,710 |
| Return on Equity (ROE) | 7.0258% | 3,468 |
| Retained earnings to average equity (ytd only) | 7.0258% | 2,039 |
| Net charge-offs to loans | 0.0113% | 3,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 164.0000% | 299 |
| Efficiency ratio | 73.7179% | 3,202 |
| Assets per employee ($millions) | 5.2812% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5999% | 2,705 |
| Loan loss allowance to noncurrent loans | 844.7761% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0906% | 5,977 |
| Noncurrent loans to loans | 0.1894% | 5,529 |
| Net loans and leases to total assets | 47.0820% | 5,224 |
| Net loans and leases to deposits | 56.2066% | 5,099 |
| Net loans and leases to core deposits | 59.0768% | 5,115 |
| Total domestic deposits to total assets | 83.7659% | 4,360 |
| Equity capital to assets | 12.2090% | 1,740 |
| Core capital (leverage) ratio | 11.3586% | 2,085 |
| Tier 1 risk-based capital ratio | 14.6664% | 3,906 |
| Total risk-based capital ratio | 15.6553% | 4,022 |
| Memoranda: | ||
| Average total assets | $73,200,000 | 5,364 |
| Average earning assets | $69,732,500 | 5,277 |
| Average equity | $8,881,500 | 5,082 |
| Average total loans | $35,346,000 | 5,496 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0475% | 3,929 |
| Cost of funding earning assets | 0.7865% | 1,281 |
| Net interest margin | 3.2610% | 4,802 |
| Noninterest income to average assets | 0.6203% | 2,974 |
| Noninterest expense to average assets | 2.5381% | 4,651 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1268% | 1,846 |
| Return on assets (ROA) | 1.1268% | 1,908 |
| Pretax return on assets | 1.1878% | 2,629 |
| Return on Equity (ROE) | 9.2994% | 2,415 |
| Retained earnings to average equity (ytd only) | 1.8554% | 4,916 |
| Net charge-offs to loans | 0.0081% | 5,291 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 292.3333% | 153 |
| Efficiency ratio | 68.1207% | 4,177 |
| Assets per employee ($millions) | 5.1759% | 1,982 |
| Cash dividends to net income (ytd only)* | 80.0481% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 2,713 |
| Loan loss allowance to noncurrent loans | 2,994.7368% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0262% | 6,316 |
| Noncurrent loans to loans | 0.0538% | 6,070 |
| Net loans and leases to total assets | 47.9500% | 5,296 |
| Net loans and leases to deposits | 59.1200% | 5,024 |
| Net loans and leases to core deposits | 62.0055% | 5,054 |
| Total domestic deposits to total assets | 81.1062% | 5,138 |
| Equity capital to assets | 12.0558% | 1,768 |
| Core capital (leverage) ratio | 11.0467% | 2,347 |
| Tier 1 risk-based capital ratio | 15.9653% | 3,109 |
| Total risk-based capital ratio | 17.0663% | 3,147 |
| Memoranda: | ||
| Average total assets | $73,835,800 | 5,380 |
| Average earning assets | $70,315,000 | 5,303 |
| Average equity | $8,946,800 | 5,092 |
| Average total loans | $36,967,400 | 5,461 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0844% | 3,830 |
| Cost of funding earning assets | 0.7984% | 1,333 |
| Net interest margin | 3.2860% | 4,692 |
| Noninterest income to average assets | 0.5788% | 3,275 |
| Noninterest expense to average assets | 2.5541% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0946% | 2,028 |
| Return on assets (ROA) | 1.0946% | 2,103 |
| Pretax return on assets | 1.1539% | 2,878 |
| Return on Equity (ROE) | 9.0225% | 2,619 |
| Retained earnings to average equity (ytd only) | -0.8445% | 6,111 |
| Net charge-offs to loans | 0.0036% | 5,133 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 643.5940% | 86 |
| Efficiency ratio | 68.8803% | 3,939 |
| Assets per employee ($millions) | 5.1594% | 1,979 |
| Cash dividends to net income (ytd only)* | 109.3598% | 313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5879% | 3,057 |
| Loan loss allowance to noncurrent loans | 2,379.1667% | 241 |
| Noncurrent assets plus other real estate owned to assets | 0.0332% | 6,378 |
| Noncurrent loans to loans | 0.0667% | 6,138 |
| Net loans and leases to total assets | 48.9942% | 5,247 |
| Net loans and leases to deposits | 61.2415% | 4,843 |
| Net loans and leases to core deposits | 63.9587% | 4,906 |
| Total domestic deposits to total assets | 80.0017% | 5,511 |
| Equity capital to assets | 11.8024% | 2,044 |
| Core capital (leverage) ratio | 10.8540% | 2,614 |
| Tier 1 risk-based capital ratio | 16.2064% | 3,080 |
| Total risk-based capital ratio | 17.3588% | 3,095 |
| Memoranda: | ||
| Average total assets | $74,179,000 | 5,427 |
| Average earning assets | $70,641,500 | 5,349 |
| Average equity | $8,999,500 | 5,139 |
| Average total loans | $37,380,500 | 5,502 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0652% | 3,859 |
| Cost of funding earning assets | 0.7990% | 1,416 |
| Net interest margin | 3.2662% | 4,705 |
| Noninterest income to average assets | 0.5239% | 3,676 |
| Noninterest expense to average assets | 2.4937% | 4,759 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0852% | 1,972 |
| Return on assets (ROA) | 1.0852% | 2,088 |
| Pretax return on assets | 1.1440% | 2,914 |
| Return on Equity (ROE) | 8.8669% | 2,669 |
| Retained earnings to average equity (ytd only) | -3.1449% | 6,326 |
| Net charge-offs to loans | 0.0053% | 4,793 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 428.0000% | 115 |
| Efficiency ratio | 68.5525% | 4,089 |
| Assets per employee ($millions) | 5.2899% | 1,809 |
| Cash dividends to net income (ytd only)* | 135.4680% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5055% | 3,564 |
| Loan loss allowance to noncurrent loans | 1,038.1818% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.0743% | 6,280 |
| Noncurrent loans to loans | 0.1450% | 5,963 |
| Net loans and leases to total assets | 50.4415% | 5,062 |
| Net loans and leases to deposits | 62.9048% | 4,640 |
| Net loans and leases to core deposits | 65.3237% | 4,762 |
| Total domestic deposits to total assets | 80.1872% | 5,566 |
| Equity capital to assets | 11.7962% | 2,055 |
| Core capital (leverage) ratio | 10.5401% | 2,829 |
| Tier 1 risk-based capital ratio | 15.3809% | 3,545 |
| Total risk-based capital ratio | 16.4885% | 3,593 |
| Memoranda: | ||
| Average total assets | $74,828,330 | 5,442 |
| Average earning assets | $71,337,000 | 5,354 |
| Average equity | $9,157,670 | 5,138 |
| Average total loans | $37,854,000 | 5,511 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0737% | 3,825 |
| Cost of funding earning assets | 0.7868% | 1,602 |
| Net interest margin | 3.2869% | 4,566 |
| Noninterest income to average assets | 0.5265% | 3,596 |
| Noninterest expense to average assets | 2.5049% | 4,729 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1009% | 1,851 |
| Return on assets (ROA) | 1.1009% | 1,955 |
| Pretax return on assets | 1.1540% | 2,749 |
| Return on Equity (ROE) | 8.8381% | 2,559 |
| Retained earnings to average equity (ytd only) | -9.6921% | 6,602 |
| Net charge-offs to loans | 0.0423% | 3,444 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 54.2500% | 633 |
| Efficiency ratio | 68.4593% | 4,230 |
| Assets per employee ($millions) | 5.4999% | 1,673 |
| Cash dividends to net income (ytd only)* | 209.6618% | 201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 3,862 |
| Loan loss allowance to noncurrent loans | 2,103.7037% | 247 |
| Noncurrent assets plus other real estate owned to assets | 0.0740% | 6,377 |
| Noncurrent loans to loans | 0.0709% | 6,271 |
| Net loans and leases to total assets | 48.6935% | 5,153 |
| Net loans and leases to deposits | 60.5380% | 4,731 |
| Net loans and leases to core deposits | 62.7634% | 4,877 |
| Total domestic deposits to total assets | 80.4346% | 5,660 |
| Equity capital to assets | 11.9393% | 2,083 |
| Core capital (leverage) ratio | 10.5487% | 2,706 |
| Tier 1 risk-based capital ratio | 13.8914% | 4,583 |
| Total risk-based capital ratio | 14.9006% | 4,723 |
| Memoranda: | ||
| Average total assets | $75,213,500 | 5,481 |
| Average earning assets | $71,678,500 | 5,392 |
| Average equity | $9,368,500 | 5,143 |
| Average total loans | $37,817,500 | 5,553 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5041% | 3,376 |
| Cost of funding earning assets | 0.9251% | 1,786 |
| Net interest margin | 3.5791% | 4,187 |
| Noninterest income to average assets | 0.6231% | 3,150 |
| Noninterest expense to average assets | 2.4843% | 5,155 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4565% | 993 |
| Return on assets (ROA) | 1.5233% | 968 |
| Pretax return on assets | 1.6030% | 1,380 |
| Return on Equity (ROE) | 12.2890% | 1,418 |
| Retained earnings to average equity (ytd only) | 3.4893% | 3,761 |
| Net charge-offs to loans | 0.0356% | 5,423 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 81.0000% | 471 |
| Efficiency ratio | 61.8439% | 5,261 |
| Assets per employee ($millions) | 5.2449% | 1,952 |
| Cash dividends to net income (ytd only)* | 71.6060% | 1,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 3,652 |
| Loan loss allowance to noncurrent loans | 1,906.6667% | 278 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 6,395 |
| Noncurrent loans to loans | 0.0798% | 6,284 |
| Net loans and leases to total assets | 50.3915% | 5,114 |
| Net loans and leases to deposits | 63.9023% | 4,545 |
| Net loans and leases to core deposits | 66.7304% | 4,667 |
| Total domestic deposits to total assets | 78.8571% | 5,917 |
| Equity capital to assets | 12.9976% | 1,458 |
| Core capital (leverage) ratio | 10.7090% | 2,537 |
| Tier 1 risk-based capital ratio | 15.3198% | 3,531 |
| Total risk-based capital ratio | 16.4035% | 3,582 |
| Memoranda: | ||
| Average total assets | $73,985,000 | 5,514 |
| Average earning assets | $70,157,600 | 5,426 |
| Average equity | $9,170,800 | 5,180 |
| Average total loans | $39,323,000 | 5,537 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 3,340 |
| Cost of funding earning assets | 0.9468% | 1,870 |
| Net interest margin | 3.6220% | 4,140 |
| Noninterest income to average assets | 0.5990% | 3,279 |
| Noninterest expense to average assets | 2.4877% | 5,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4671% | 1,082 |
| Return on assets (ROA) | 1.5559% | 1,038 |
| Pretax return on assets | 1.6386% | 1,457 |
| Return on Equity (ROE) | 12.7050% | 1,413 |
| Retained earnings to average equity (ytd only) | 0.8519% | 5,822 |
| Net charge-offs to loans | 0.0503% | 4,951 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 57.2650% | 680 |
| Efficiency ratio | 61.6860% | 5,206 |
| Assets per employee ($millions) | 5.2700% | 1,857 |
| Cash dividends to net income (ytd only)* | 93.2949% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5389% | 3,778 |
| Loan loss allowance to noncurrent loans | 920.9677% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0840% | 6,523 |
| Noncurrent loans to loans | 0.1671% | 6,193 |
| Net loans and leases to total assets | 49.5175% | 5,370 |
| Net loans and leases to deposits | 62.4150% | 4,911 |
| Net loans and leases to core deposits | 66.3446% | 4,916 |
| Total domestic deposits to total assets | 79.3359% | 5,798 |
| Equity capital to assets | 12.5928% | 1,827 |
| Core capital (leverage) ratio | 10.6087% | 2,791 |
| Tier 1 risk-based capital ratio | 14.5565% | 4,148 |
| Total risk-based capital ratio | 15.6207% | 4,251 |
| Memoranda: | ||
| Average total assets | $74,124,000 | 5,566 |
| Average earning assets | $70,272,750 | 5,476 |
| Average equity | $9,077,500 | 5,246 |
| Average total loans | $39,760,250 | 5,587 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6033% | 3,341 |
| Cost of funding earning assets | 0.9797% | 1,882 |
| Net interest margin | 3.6236% | 4,171 |
| Noninterest income to average assets | 0.5738% | 3,419 |
| Noninterest expense to average assets | 2.4623% | 5,256 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4736% | 1,042 |
| Return on assets (ROA) | 1.4736% | 1,166 |
| Pretax return on assets | 1.5491% | 1,714 |
| Return on Equity (ROE) | 12.1470% | 1,622 |
| Retained earnings to average equity (ytd only) | -5.7737% | 6,660 |
| Net charge-offs to loans | 0.0689% | 4,462 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 41.0714% | 854 |
| Efficiency ratio | 61.3835% | 5,353 |
| Assets per employee ($millions) | 5.4532% | 1,655 |
| Cash dividends to net income (ytd only)* | 147.5320% | 177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4493% | 4,250 |
| Loan loss allowance to noncurrent loans | 1,021.4286% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 6,629 |
| Noncurrent loans to loans | 0.1419% | 6,306 |
| Net loans and leases to total assets | 50.9477% | 5,230 |
| Net loans and leases to deposits | 63.1726% | 4,857 |
| Net loans and leases to core deposits | 67.3979% | 4,856 |
| Total domestic deposits to total assets | 80.6484% | 5,575 |
| Equity capital to assets | 11.5738% | 2,520 |
| Core capital (leverage) ratio | 9.8558% | 3,644 |
| Tier 1 risk-based capital ratio | 13.8349% | 4,572 |
| Total risk-based capital ratio | 14.8911% | 4,680 |
| Memoranda: | ||
| Average total assets | $74,238,670 | 5,599 |
| Average earning assets | $70,428,000 | 5,509 |
| Average equity | $9,006,330 | 5,266 |
| Average total loans | $40,645,330 | 5,570 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 2,353 |
| Cost of funding earning assets | 1.0308% | 1,805 |
| Net interest margin | 3.8394% | 3,192 |
| Noninterest income to average assets | 0.4810% | 4,053 |
| Noninterest expense to average assets | 2.6180% | 4,750 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4156% | 1,192 |
| Return on assets (ROA) | 1.4156% | 1,338 |
| Pretax return on assets | 1.4866% | 1,901 |
| Return on Equity (ROE) | 11.3953% | 1,875 |
| Retained earnings to average equity (ytd only) | -24.1104% | 7,089 |
| Net charge-offs to loans | 0.0291% | 4,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 90.6667% | 376 |
| Efficiency ratio | 63.7816% | 4,962 |
| Assets per employee ($millions) | 5.6402% | 1,578 |
| Cash dividends to net income (ytd only)* | 311.5830% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 4,305 |
| Loan loss allowance to noncurrent loans | 896.9231% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.0968% | 6,638 |
| Noncurrent loans to loans | 0.1636% | 6,354 |
| Net loans and leases to total assets | 53.3960% | 4,822 |
| Net loans and leases to deposits | 66.9603% | 4,239 |
| Net loans and leases to core deposits | 71.6881% | 4,198 |
| Total domestic deposits to total assets | 79.7428% | 5,913 |
| Equity capital to assets | 12.1669% | 1,932 |
| Core capital (leverage) ratio | 9.8053% | 3,636 |
| Tier 1 risk-based capital ratio | 13.2095% | 5,062 |
| Total risk-based capital ratio | 14.2765% | 5,166 |
| Memoranda: | ||
| Average total assets | $73,185,500 | 5,675 |
| Average earning assets | $69,073,500 | 5,598 |
| Average equity | $9,091,500 | 5,261 |
| Average total loans | $41,234,000 | 5,586 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 2,709 |
| Cost of funding earning assets | 1.2555% | 1,700 |
| Net interest margin | 3.7849% | 3,902 |
| Noninterest income to average assets | 0.6548% | 2,860 |
| Noninterest expense to average assets | 2.6148% | 5,037 |
| Loan and lease loss provision to assets | 0.0579% | 5,874 |
| Net operating income to assets | 1.4931% | 836 |
| Return on assets (ROA) | 1.5124% | 870 |
| Pretax return on assets | 1.5877% | 1,235 |
| Return on Equity (ROE) | 12.3168% | 1,328 |
| Retained earnings to average equity (ytd only) | 2.9494% | 4,137 |
| Net charge-offs to loans | 0.0961% | 5,388 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | 28.0500% | 885 |
| Efficiency ratio | 61.6672% | 5,508 |
| Assets per employee ($millions) | 5.2178% | 1,922 |
| Cash dividends to net income (ytd only)* | 76.0536% | 900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3713% | 4,591 |
| Loan loss allowance to noncurrent loans | 837.1429% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.1040% | 6,698 |
| Noncurrent loans to loans | 0.1638% | 6,427 |
| Net loans and leases to total assets | 57.6983% | 4,427 |
| Net loans and leases to deposits | 72.8398% | 3,689 |
| Net loans and leases to core deposits | 76.2335% | 3,953 |
| Total domestic deposits to total assets | 79.2126% | 5,941 |
| Equity capital to assets | 12.6792% | 1,674 |
| Core capital (leverage) ratio | 10.6936% | 2,529 |
| Tier 1 risk-based capital ratio | 14.1197% | 4,240 |
| Total risk-based capital ratio | 15.1871% | 4,330 |
| Memoranda: | ||
| Average total assets | $69,029,800 | 5,774 |
| Average earning assets | $65,391,200 | 5,687 |
| Average equity | $8,476,200 | 5,410 |
| Average total loans | $41,615,800 | 5,613 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 2,476 |
| Cost of funding earning assets | 1.2992% | 1,712 |
| Net interest margin | 3.8295% | 3,722 |
| Noninterest income to average assets | 0.6252% | 3,023 |
| Noninterest expense to average assets | 2.4794% | 5,533 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7046% | 622 |
| Return on assets (ROA) | 1.7307% | 641 |
| Pretax return on assets | 1.8130% | 934 |
| Return on Equity (ROE) | 14.2190% | 995 |
| Retained earnings to average equity (ytd only) | 1.4331% | 5,432 |
| Net charge-offs to loans | -0.0065% | 6,735 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1342% | 5,987 |
| Assets per employee ($millions) | 4.9690% | 2,231 |
| Cash dividends to net income (ytd only)* | 89.9210% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4383% | 4,382 |
| Loan loss allowance to noncurrent loans | 525.0000% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1610% | 6,648 |
| Noncurrent loans to loans | 0.2740% | 6,321 |
| Net loans and leases to total assets | 57.9220% | 4,528 |
| Net loans and leases to deposits | 74.1489% | 3,638 |
| Net loans and leases to core deposits | 80.2350% | 3,599 |
| Total domestic deposits to total assets | 78.1157% | 6,173 |
| Equity capital to assets | 13.3657% | 1,430 |
| Core capital (leverage) ratio | 10.8437% | 2,524 |
| Tier 1 risk-based capital ratio | 14.8922% | 3,725 |
| Total risk-based capital ratio | 16.0477% | 3,753 |
| Memoranda: | ||
| Average total assets | $68,025,000 | 5,839 |
| Average earning assets | $64,654,750 | 5,753 |
| Average equity | $8,279,750 | 5,515 |
| Average total loans | $41,336,250 | 5,677 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1600% | 2,420 |
| Cost of funding earning assets | 1.3460% | 1,667 |
| Net interest margin | 3.8141% | 3,711 |
| Noninterest income to average assets | 0.6310% | 2,944 |
| Noninterest expense to average assets | 2.5122% | 5,484 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6670% | 643 |
| Return on assets (ROA) | 1.7064% | 639 |
| Pretax return on assets | 1.7953% | 890 |
| Return on Equity (ROE) | 14.5082% | 886 |
| Retained earnings to average equity (ytd only) | -3.2492% | 6,402 |
| Net charge-offs to loans | -0.0096% | 6,680 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8889% | 6,047 |
| Assets per employee ($millions) | 5.0076% | 2,113 |
| Cash dividends to net income (ytd only)* | 122.3958% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 4,388 |
| Loan loss allowance to noncurrent loans | 1,152.9412% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 6,916 |
| Noncurrent loans to loans | 0.1251% | 6,668 |
| Net loans and leases to total assets | 57.3332% | 4,754 |
| Net loans and leases to deposits | 71.7417% | 4,153 |
| Net loans and leases to core deposits | 77.1182% | 4,176 |
| Total domestic deposits to total assets | 79.9161% | 5,846 |
| Equity capital to assets | 11.7237% | 2,313 |
| Core capital (leverage) ratio | 10.6319% | 2,584 |
| Tier 1 risk-based capital ratio | 14.0254% | 4,154 |
| Total risk-based capital ratio | 15.1439% | 4,211 |
| Memoranda: | ||
| Average total assets | $67,511,330 | 5,900 |
| Average earning assets | $64,340,670 | 5,811 |
| Average equity | $7,940,330 | 5,631 |
| Average total loans | $41,487,670 | 5,730 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2771% | 1,946 |
| Cost of funding earning assets | 1.3700% | 1,770 |
| Net interest margin | 3.9071% | 3,105 |
| Noninterest income to average assets | 0.5256% | 3,691 |
| Noninterest expense to average assets | 2.5554% | 5,369 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6069% | 682 |
| Return on assets (ROA) | 1.6069% | 726 |
| Pretax return on assets | 1.6915% | 999 |
| Return on Equity (ROE) | 13.6393% | 1,055 |
| Retained earnings to average equity (ytd only) | -13.3829% | 6,990 |
| Net charge-offs to loans | -0.0287% | 6,700 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1707% | 5,956 |
| Assets per employee ($millions) | 4.7144% | 2,548 |
| Cash dividends to net income (ytd only)* | 198.1203% | 204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4171% | 4,575 |
| Loan loss allowance to noncurrent loans | 1,154.9020% | 346 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 6,972 |
| Noncurrent loans to loans | 0.1227% | 6,743 |
| Net loans and leases to total assets | 62.0839% | 3,839 |
| Net loans and leases to deposits | 78.1478% | 3,035 |
| Net loans and leases to core deposits | 82.6879% | 3,351 |
| Total domestic deposits to total assets | 79.4443% | 6,074 |
| Equity capital to assets | 11.7180% | 2,110 |
| Core capital (leverage) ratio | 10.9830% | 2,206 |
| Tier 1 risk-based capital ratio | 14.7294% | 3,594 |
| Total risk-based capital ratio | 15.9253% | 3,586 |
| Memoranda: | ||
| Average total assets | $66,214,000 | 5,985 |
| Average earning assets | $63,065,000 | 5,894 |
| Average equity | $7,801,000 | 5,679 |
| Average total loans | $41,840,500 | 5,767 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3374% | 2,945 |
| Cost of funding earning assets | 1.6302% | 1,911 |
| Net interest margin | 3.7072% | 4,314 |
| Noninterest income to average assets | 0.5777% | 3,596 |
| Noninterest expense to average assets | 2.5131% | 5,739 |
| Loan and lease loss provision to assets | 0.0754% | 6,394 |
| Net operating income to assets | 1.4451% | 866 |
| Return on assets (ROA) | 1.4451% | 932 |
| Pretax return on assets | 1.5190% | 1,327 |
| Return on Equity (ROE) | 11.8579% | 1,345 |
| Retained earnings to average equity (ytd only) | 0.0619% | 5,554 |
| Net charge-offs to loans | 0.0215% | 6,597 |
| Credit loss provision to net charge-offs | 555.5556% | 403 |
| Earnings coverage of net charge-offs (x) | 117.4444% | 219 |
| Efficiency ratio | 61.1825% | 5,862 |
| Assets per employee ($millions) | 4.7448% | 2,500 |
| Cash dividends to net income (ytd only)* | 99.4781% | 396 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 4,556 |
| Loan loss allowance to noncurrent loans | 1,065.4545% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0828% | 7,032 |
| Noncurrent loans to loans | 0.1306% | 6,811 |
| Net loans and leases to total assets | 62.5198% | 4,165 |
| Net loans and leases to deposits | 80.2683% | 3,124 |
| Net loans and leases to core deposits | 85.0241% | 3,460 |
| Total domestic deposits to total assets | 77.8885% | 6,339 |
| Equity capital to assets | 11.8446% | 2,010 |
| Core capital (leverage) ratio | 10.9381% | 2,207 |
| Tier 1 risk-based capital ratio | 15.2826% | 3,111 |
| Total risk-based capital ratio | 16.4762% | 3,089 |
| Memoranda: | ||
| Average total assets | $66,292,000 | 5,987 |
| Average earning assets | $63,121,000 | 5,888 |
| Average equity | $8,079,000 | 5,689 |
| Average total loans | $41,803,800 | 5,845 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3838% | 2,954 |
| Cost of funding earning assets | 1.6642% | 2,030 |
| Net interest margin | 3.7196% | 4,308 |
| Noninterest income to average assets | 0.5192% | 4,036 |
| Noninterest expense to average assets | 2.4469% | 5,900 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5313% | 865 |
| Return on assets (ROA) | 1.5313% | 943 |
| Pretax return on assets | 1.6118% | 1,322 |
| Return on Equity (ROE) | 12.4775% | 1,393 |
| Retained earnings to average equity (ytd only) | -1.2953% | 6,061 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2876% | 5,908 |
| Assets per employee ($millions) | 4.7799% | 2,476 |
| Cash dividends to net income (ytd only)* | 110.3810% | 276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 4,776 |
| Loan loss allowance to noncurrent loans | 990.9091% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.0986% | 7,108 |
| Noncurrent loans to loans | 0.1347% | 6,908 |
| Net loans and leases to total assets | 60.2005% | 4,871 |
| Net loans and leases to deposits | 78.1399% | 3,803 |
| Net loans and leases to core deposits | 82.0753% | 4,237 |
| Total domestic deposits to total assets | 77.0421% | 6,468 |
| Equity capital to assets | 12.7499% | 1,715 |
| Core capital (leverage) ratio | 11.0133% | 2,251 |
| Tier 1 risk-based capital ratio | 14.9386% | 3,282 |
| Total risk-based capital ratio | 16.0363% | 3,333 |
| Memoranda: | ||
| Average total assets | $66,258,250 | 6,057 |
| Average earning assets | $63,052,250 | 5,951 |
| Average equity | $8,131,750 | 5,744 |
| Average total loans | $41,725,750 | 5,927 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4129% | 2,921 |
| Cost of funding earning assets | 1.7088% | 2,076 |
| Net interest margin | 3.7041% | 4,345 |
| Noninterest income to average assets | 0.5694% | 3,548 |
| Noninterest expense to average assets | 2.2744% | 6,423 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7293% | 553 |
| Return on assets (ROA) | 1.7293% | 605 |
| Pretax return on assets | 1.8202% | 854 |
| Return on Equity (ROE) | 14.2780% | 979 |
| Retained earnings to average equity (ytd only) | -3.9258% | 6,428 |
| Net charge-offs to loans | 0.0428% | 5,778 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 66.7778% | 468 |
| Efficiency ratio | 55.5473% | 6,694 |
| Assets per employee ($millions) | 4.8606% | 2,357 |
| Cash dividends to net income (ytd only)* | 127.4956% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2600% | 5,132 |
| Loan loss allowance to noncurrent loans | 974.5455% | 357 |
| Noncurrent assets plus other real estate owned to assets | 0.0808% | 7,193 |
| Noncurrent loans to loans | 0.1293% | 7,006 |
| Net loans and leases to total assets | 61.7285% | 4,738 |
| Net loans and leases to deposits | 80.4801% | 3,519 |
| Net loans and leases to core deposits | 85.8594% | 3,856 |
| Total domestic deposits to total assets | 76.7003% | 6,561 |
| Equity capital to assets | 11.8519% | 2,181 |
| Core capital (leverage) ratio | 10.7368% | 2,440 |
| Tier 1 risk-based capital ratio | 14.3295% | 3,524 |
| Total risk-based capital ratio | 15.3779% | 3,607 |
| Memoranda: | ||
| Average total assets | $66,038,330 | 6,105 |
| Average earning assets | $62,849,670 | 5,991 |
| Average equity | $7,998,330 | 5,802 |
| Average total loans | $42,024,330 | 5,954 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4443% | 2,842 |
| Cost of funding earning assets | 1.7308% | 2,228 |
| Net interest margin | 3.7135% | 4,172 |
| Noninterest income to average assets | 0.4552% | 4,423 |
| Noninterest expense to average assets | 2.3311% | 6,304 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5807% | 781 |
| Return on assets (ROA) | 1.5807% | 835 |
| Pretax return on assets | 1.6607% | 1,138 |
| Return on Equity (ROE) | 12.9065% | 1,271 |
| Retained earnings to average equity (ytd only) | -7.2316% | 6,765 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3975% | 6,423 |
| Assets per employee ($millions) | 4.6602% | 2,701 |
| Cash dividends to net income (ytd only)* | 156.0311% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,868 |
| Loan loss allowance to noncurrent loans | 592.3913% | 548 |
| Noncurrent assets plus other real estate owned to assets | 0.1410% | 7,131 |
| Noncurrent loans to loans | 0.2215% | 6,890 |
| Net loans and leases to total assets | 62.8359% | 4,574 |
| Net loans and leases to deposits | 82.7700% | 3,146 |
| Net loans and leases to core deposits | 93.7716% | 2,865 |
| Total domestic deposits to total assets | 75.9162% | 6,771 |
| Equity capital to assets | 12.1254% | 1,966 |
| Core capital (leverage) ratio | 11.2442% | 2,059 |
| Tier 1 risk-based capital ratio | 14.9638% | 3,128 |
| Total risk-based capital ratio | 16.0730% | 3,153 |
| Memoranda: | ||
| Average total assets | $65,033,500 | 6,207 |
| Average earning assets | $61,936,500 | 6,089 |
| Average equity | $7,965,000 | 5,859 |
| Average total loans | $41,766,000 | 6,035 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6540% | 3,333 |
| Cost of funding earning assets | 1.8619% | 3,667 |
| Net interest margin | 3.7921% | 3,746 |
| Noninterest income to average assets | 0.6160% | 3,514 |
| Noninterest expense to average assets | 2.5662% | 5,905 |
| Loan and lease loss provision to assets | 0.2017% | 5,731 |
| Net operating income to assets | 1.3833% | 879 |
| Return on assets (ROA) | 1.3979% | 913 |
| Pretax return on assets | 1.4817% | 1,229 |
| Return on Equity (ROE) | 11.7507% | 1,221 |
| Retained earnings to average equity (ytd only) | 5.9862% | 1,350 |
| Net charge-offs to loans | 0.0590% | 6,504 |
| Credit loss provision to net charge-offs | 520.0000% | 586 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 582 |
| Efficiency ratio | 60.6083% | 6,388 |
| Assets per employee ($millions) | 4.6303% | 2,716 |
| Cash dividends to net income (ytd only)* | 49.0566% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2979% | 4,780 |
| Loan loss allowance to noncurrent loans | 1,184.7826% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0710% | 7,319 |
| Noncurrent loans to loans | 0.1095% | 7,141 |
| Net loans and leases to total assets | 63.9362% | 4,614 |
| Net loans and leases to deposits | 82.8539% | 3,480 |
| Net loans and leases to core deposits | 106.1656% | 3,312 |
| Total domestic deposits to total assets | 77.1674% | 6,425 |
| Equity capital to assets | 12.3704% | 1,812 |
| Core capital (leverage) ratio | 11.5775% | 1,877 |
| Tier 1 risk-based capital ratio | 15.0776% | 2,898 |
| Total risk-based capital ratio | 16.1759% | 2,930 |
| Memoranda: | ||
| Average total assets | $64,452,400 | 6,182 |
| Average earning assets | $61,495,800 | 6,079 |
| Average equity | $7,667,600 | 6,029 |
| Average total loans | $42,357,800 | 6,002 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6914% | 3,385 |
| Cost of funding earning assets | 1.9007% | 3,886 |
| Net interest margin | 3.7906% | 3,695 |
| Noninterest income to average assets | 0.5635% | 3,984 |
| Noninterest expense to average assets | 2.5896% | 5,750 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5112% | 791 |
| Return on assets (ROA) | 1.5289% | 818 |
| Pretax return on assets | 1.6117% | 1,152 |
| Return on Equity (ROE) | 12.9817% | 1,120 |
| Retained earnings to average equity (ytd only) | 6.5436% | 1,688 |
| Net charge-offs to loans | 0.0157% | 6,699 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 153.7196% | 246 |
| Efficiency ratio | 61.9118% | 6,128 |
| Assets per employee ($millions) | 4.5293% | 2,818 |
| Cash dividends to net income (ytd only)* | 49.5935% | 2,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 6,056 |
| Loan loss allowance to noncurrent loans | 887.7551% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 7,361 |
| Noncurrent loans to loans | 0.1173% | 7,185 |
| Net loans and leases to total assets | 65.1774% | 4,607 |
| Net loans and leases to deposits | 85.0759% | 3,484 |
| Net loans and leases to core deposits | 108.8694% | 3,361 |
| Total domestic deposits to total assets | 76.6109% | 6,443 |
| Equity capital to assets | 12.6762% | 1,845 |
| Core capital (leverage) ratio | 11.6492% | 1,992 |
| Tier 1 risk-based capital ratio | 15.3593% | 2,893 |
| Total risk-based capital ratio | 16.2631% | 2,973 |
| Memoranda: | ||
| Average total assets | $64,359,500 | 6,237 |
| Average earning assets | $61,448,500 | 6,125 |
| Average equity | $7,579,750 | 6,121 |
| Average total loans | $42,449,500 | 6,046 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7461% | 3,317 |
| Cost of funding earning assets | 1.9337% | 4,094 |
| Net interest margin | 3.8123% | 3,501 |
| Noninterest income to average assets | 0.5597% | 3,964 |
| Noninterest expense to average assets | 2.5079% | 6,093 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6018% | 680 |
| Return on assets (ROA) | 1.6018% | 744 |
| Pretax return on assets | 1.6853% | 1,043 |
| Return on Equity (ROE) | 13.9491% | 1,000 |
| Retained earnings to average equity (ytd only) | 6.1398% | 1,952 |
| Net charge-offs to loans | 0.0234% | 6,164 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 109.0000% | 350 |
| Efficiency ratio | 59.8083% | 6,580 |
| Assets per employee ($millions) | 4.5658% | 2,670 |
| Cash dividends to net income (ytd only)* | 55.9846% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0532% | 5,888 |
| 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 | 63.9320% | 5,000 |
| Net loans and leases to deposits | 82.4543% | 4,147 |
| Net loans and leases to core deposits | 108.5072% | 3,555 |
| Total domestic deposits to total assets | 77.5363% | 6,192 |
| Equity capital to assets | 11.8412% | 2,297 |
| Core capital (leverage) ratio | 11.1507% | 2,287 |
| Tier 1 risk-based capital ratio | 14.9112% | 3,061 |
| Total risk-based capital ratio | 15.8062% | 3,156 |
| Memoranda: | ||
| Average total assets | $64,676,000 | 6,275 |
| Average earning assets | $61,642,330 | 6,158 |
| Average equity | $7,427,000 | 6,208 |
| Average total loans | $42,678,000 | 6,082 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7878% | 3,365 |
| Cost of funding earning assets | 1.9035% | 4,613 |
| Net interest margin | 3.8844% | 3,114 |
| Noninterest income to average assets | 0.4796% | 4,513 |
| Noninterest expense to average assets | 2.6993% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4081% | 1,121 |
| Return on assets (ROA) | 1.4081% | 1,208 |
| Pretax return on assets | 1.4819% | 1,719 |
| Return on Equity (ROE) | 12.4524% | 1,529 |
| Retained earnings to average equity (ytd only) | 0.8157% | 5,334 |
| Net charge-offs to loans | -0.0092% | 7,264 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5588% | 5,588 |
| Assets per employee ($millions) | 4.3045% | 3,064 |
| Cash dividends to net income (ytd only)* | 93.4498% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0192% | 6,040 |
| 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 | 66.3311% | 4,511 |
| Net loans and leases to deposits | 85.0572% | 3,806 |
| Net loans and leases to core deposits | 113.1161% | 3,090 |
| Total domestic deposits to total assets | 77.9841% | 6,022 |
| Equity capital to assets | 11.5880% | 2,532 |
| Core capital (leverage) ratio | 11.0785% | 2,448 |
| Tier 1 risk-based capital ratio | 14.3246% | 3,416 |
| Total risk-based capital ratio | 15.2204% | 3,530 |
| Memoranda: | ||
| Average total assets | $65,053,500 | 6,287 |
| Average earning assets | $61,992,000 | 6,175 |
| Average equity | $7,356,000 | 6,272 |
| Average total loans | $43,366,500 | 6,077 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2258% | 4,384 |
| Cost of funding earning assets | 2.4038% | 4,709 |
| Net interest margin | 3.8220% | 3,929 |
| Noninterest income to average assets | 0.6194% | 3,718 |
| Noninterest expense to average assets | 2.5780% | 5,726 |
| Loan and lease loss provision to assets | 0.3170% | 3,847 |
| Net operating income to assets | 1.2869% | 1,521 |
| Return on assets (ROA) | 1.3391% | 1,325 |
| Pretax return on assets | 1.4103% | 1,939 |
| Return on Equity (ROE) | 11.9463% | 1,611 |
| Retained earnings to average equity (ytd only) | -1.9045% | 5,843 |
| Net charge-offs to loans | 0.0856% | 5,532 |
| Credit loss provision to net charge-offs | 544.4444% | 805 |
| Earnings coverage of net charge-offs (x) | 28.7222% | 1,202 |
| Efficiency ratio | 60.6545% | 6,230 |
| Assets per employee ($millions) | 4.3693% | 2,846 |
| Cash dividends to net income (ytd only)* | 115.9420% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 5,909 |
| 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 | 65.6454% | 4,926 |
| Net loans and leases to deposits | 83.3782% | 4,517 |
| Net loans and leases to core deposits | 107.7135% | 3,995 |
| Total domestic deposits to total assets | 78.7321% | 5,470 |
| Equity capital to assets | 11.0314% | 3,016 |
| Core capital (leverage) ratio | 10.8705% | 2,691 |
| Tier 1 risk-based capital ratio | 14.4009% | 3,337 |
| Total risk-based capital ratio | 15.3034% | 3,441 |
| Memoranda: | ||
| Average total assets | $61,831,800 | 6,326 |
| Average earning assets | $58,739,400 | 6,231 |
| Average equity | $6,931,000 | 6,481 |
| Average total loans | $42,052,600 | 6,071 |