Home > Harmony Bank > Performance and Condition Ratios
Harmony Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 1,587 |
| Cost of funding earning assets | 0.8050% | 483 |
| Net interest margin | 3.6713% | 2,820 |
| Noninterest income to average assets | 0.3316% | 4,407 |
| Noninterest expense to average assets | 4.5905% | 354 |
| Loan and lease loss provision to assets | 0.1241% | 1,838 |
| Net operating income to assets | -0.7138% | 5,950 |
| Return on assets (ROA) | -0.7138% | 5,956 |
| Pretax return on assets | -0.9751% | 5,970 |
| Return on Equity (ROE) | -8.0314% | 5,961 |
| Retained earnings to average equity (ytd only) | -8.2605% | 5,841 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.7568% | 82 |
| Assets per employee ($millions) | 7.6522% | 652 |
| Cash dividends to net income (ytd only)* | -2.8519% | 6,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 2,819 |
| Loan loss allowance to noncurrent loans | 1,369.2308% | 447 |
| Noncurrent assets plus other real estate owned to assets | 0.0787% | 5,213 |
| Noncurrent loans to loans | 0.0945% | 5,074 |
| Net loans and leases to total assets | 82.2191% | 602 |
| Net loans and leases to deposits | 92.9497% | 1,401 |
| Net loans and leases to core deposits | 96.3410% | 1,950 |
| Total domestic deposits to total assets | 88.4555% | 1,191 |
| Equity capital to assets | 7.9320% | 5,823 |
| Core capital (leverage) ratio | 7.8910% | 5,785 |
| Tier 1 risk-based capital ratio | 9.3093% | 5,977 |
| Total risk-based capital ratio | 10.5596% | 5,965 |
| Memoranda: | ||
| Average total assets | $304,583,330 | 2,151 |
| Average earning assets | $282,731,670 | 2,156 |
| Average equity | $27,068,670 | 2,588 |
| Average total loans | $251,222,670 | 1,792 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3571% | 1,943 |
| Cost of funding earning assets | 0.8103% | 468 |
| Net interest margin | 3.5468% | 3,297 |
| Noninterest income to average assets | 0.2067% | 5,256 |
| Noninterest expense to average assets | 2.5840% | 3,801 |
| Loan and lease loss provision to assets | 0.1107% | 1,883 |
| Net operating income to assets | 0.4827% | 4,700 |
| Return on assets (ROA) | 0.4827% | 4,797 |
| Pretax return on assets | 0.7920% | 4,220 |
| Return on Equity (ROE) | 5.1420% | 4,423 |
| Retained earnings to average equity (ytd only) | 4.8438% | 3,040 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1109% | 2,459 |
| Assets per employee ($millions) | 7.2599% | 791 |
| Cash dividends to net income (ytd only)* | 5.8011% | 2,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3196% | 2,802 |
| Loan loss allowance to noncurrent loans | 116.9582% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 0.9186% | 2,398 |
| Noncurrent loans to loans | 1.1282% | 2,139 |
| Net loans and leases to total assets | 80.3465% | 764 |
| Net loans and leases to deposits | 91.9518% | 1,353 |
| Net loans and leases to core deposits | 95.1466% | 1,877 |
| Total domestic deposits to total assets | 87.3789% | 2,010 |
| Equity capital to assets | 9.3468% | 4,844 |
| Core capital (leverage) ratio | 9.5124% | 4,175 |
| Tier 1 risk-based capital ratio | 11.0988% | 5,452 |
| Total risk-based capital ratio | 12.3494% | 5,362 |
| Memoranda: | ||
| Average total assets | $300,004,000 | 2,189 |
| Average earning assets | $277,430,000 | 2,197 |
| Average equity | $28,160,000 | 2,516 |
| Average total loans | $246,165,000 | 1,824 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3537% | 2,047 |
| Cost of funding earning assets | 0.8034% | 481 |
| Net interest margin | 3.5503% | 3,324 |
| Noninterest income to average assets | 0.3558% | 4,357 |
| Noninterest expense to average assets | 2.5998% | 3,920 |
| Loan and lease loss provision to assets | 0.1775% | 1,277 |
| Net operating income to assets | 0.5385% | 4,544 |
| Return on assets (ROA) | 0.5503% | 4,591 |
| Pretax return on assets | 0.8772% | 3,931 |
| Return on Equity (ROE) | 5.6452% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.5154% | 2,077 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4996% | 2,983 |
| Assets per employee ($millions) | 6.4150% | 1,135 |
| Cash dividends to net income (ytd only)* | 2.2996% | 4,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 2,851 |
| Loan loss allowance to noncurrent loans | 113.9950% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.9492% | 2,297 |
| Noncurrent loans to loans | 1.1476% | 2,050 |
| Net loans and leases to total assets | 81.6260% | 629 |
| Net loans and leases to deposits | 93.7216% | 1,226 |
| Net loans and leases to core deposits | 96.5504% | 1,792 |
| Total domestic deposits to total assets | 87.0942% | 2,077 |
| Equity capital to assets | 9.4276% | 4,639 |
| Core capital (leverage) ratio | 9.6705% | 3,945 |
| Tier 1 risk-based capital ratio | 10.9596% | 5,540 |
| Total risk-based capital ratio | 12.2097% | 5,446 |
| Memoranda: | ||
| Average total assets | $276,560,000 | 2,298 |
| Average earning assets | $255,529,400 | 2,298 |
| Average equity | $26,960,800 | 2,554 |
| Average total loans | $218,577,800 | 1,936 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3342% | 2,124 |
| Cost of funding earning assets | 0.7982% | 502 |
| Net interest margin | 3.5360% | 3,401 |
| Noninterest income to average assets | 0.3584% | 4,377 |
| Noninterest expense to average assets | 2.6668% | 3,672 |
| Loan and lease loss provision to assets | 0.1677% | 1,256 |
| Net operating income to assets | 0.4841% | 4,843 |
| Return on assets (ROA) | 0.5001% | 4,878 |
| Pretax return on assets | 0.8223% | 4,266 |
| Return on Equity (ROE) | 5.0848% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.9551% | 2,944 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4305% | 2,646 |
| Assets per employee ($millions) | 6.0894% | 1,305 |
| Cash dividends to net income (ytd only)* | 2.5493% | 3,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 2,899 |
| Loan loss allowance to noncurrent loans | 1,232.3887% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.0882% | 5,394 |
| Noncurrent loans to loans | 0.1088% | 5,199 |
| Net loans and leases to total assets | 79.9383% | 831 |
| Net loans and leases to deposits | 92.2437% | 1,378 |
| Net loans and leases to core deposits | 95.1886% | 1,964 |
| Total domestic deposits to total assets | 86.6599% | 2,204 |
| Equity capital to assets | 9.7676% | 4,421 |
| Core capital (leverage) ratio | 9.7470% | 3,971 |
| Tier 1 risk-based capital ratio | 11.5068% | 5,372 |
| Total risk-based capital ratio | 12.7572% | 5,296 |
| Memoranda: | ||
| Average total assets | $271,927,250 | 2,339 |
| Average earning assets | $251,730,250 | 2,346 |
| Average equity | $26,746,000 | 2,585 |
| Average total loans | $212,206,250 | 1,990 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2908% | 2,199 |
| Cost of funding earning assets | 0.7893% | 535 |
| Net interest margin | 3.5014% | 3,490 |
| Noninterest income to average assets | 0.3172% | 4,685 |
| Noninterest expense to average assets | 2.6226% | 3,840 |
| Loan and lease loss provision to assets | 0.1880% | 1,069 |
| Net operating income to assets | 0.4497% | 4,969 |
| Return on assets (ROA) | 0.4740% | 4,971 |
| Pretax return on assets | 0.7808% | 4,384 |
| Return on Equity (ROE) | 4.8076% | 4,699 |
| Retained earnings to average equity (ytd only) | 4.6795% | 3,065 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8031% | 2,701 |
| Assets per employee ($millions) | 5.7943% | 1,502 |
| Cash dividends to net income (ytd only)* | 2.6646% | 3,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 2,974 |
| Loan loss allowance to noncurrent loans | 1,196.3563% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 5,504 |
| Noncurrent loans to loans | 0.1130% | 5,305 |
| Net loans and leases to total assets | 79.1585% | 915 |
| Net loans and leases to deposits | 91.4980% | 1,424 |
| Net loans and leases to core deposits | 93.3592% | 2,019 |
| Total domestic deposits to total assets | 86.5138% | 2,429 |
| Equity capital to assets | 9.8623% | 4,198 |
| Core capital (leverage) ratio | 10.0610% | 3,516 |
| Tier 1 risk-based capital ratio | 11.4276% | 5,512 |
| Total risk-based capital ratio | 12.6778% | 5,430 |
| Memoranda: | ||
| Average total assets | $269,199,330 | 2,380 |
| Average earning assets | $248,813,330 | 2,378 |
| Average equity | $26,541,330 | 2,608 |
| Average total loans | $207,288,330 | 2,029 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2773% | 2,169 |
| Cost of funding earning assets | 0.7881% | 539 |
| Net interest margin | 3.4892% | 3,483 |
| Noninterest income to average assets | 0.1644% | 5,750 |
| Noninterest expense to average assets | 2.5916% | 3,970 |
| Loan and lease loss provision to assets | 0.2765% | 557 |
| Net operating income to assets | 0.3174% | 5,347 |
| Return on assets (ROA) | 0.3662% | 5,318 |
| Pretax return on assets | 0.6083% | 4,895 |
| Return on Equity (ROE) | 3.7145% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.5781% | 3,853 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2198% | 2,483 |
| Assets per employee ($millions) | 6.2587% | 1,217 |
| Cash dividends to net income (ytd only)* | 3.6735% | 2,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3899% | 2,959 |
| Loan loss allowance to noncurrent loans | 1,168.8259% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0918% | 5,572 |
| Noncurrent loans to loans | 0.1189% | 5,345 |
| Net loans and leases to total assets | 76.1061% | 1,193 |
| Net loans and leases to deposits | 87.9527% | 1,616 |
| Net loans and leases to core deposits | 89.6402% | 2,163 |
| Total domestic deposits to total assets | 86.5307% | 2,650 |
| Equity capital to assets | 9.8527% | 4,324 |
| Core capital (leverage) ratio | 9.9170% | 3,719 |
| Tier 1 risk-based capital ratio | 12.0023% | 5,234 |
| Total risk-based capital ratio | 13.2528% | 5,132 |
| Memoranda: | ||
| Average total assets | $267,633,500 | 2,402 |
| Average earning assets | $248,196,000 | 2,394 |
| Average equity | $26,383,000 | 2,638 |
| Average total loans | $201,668,500 | 2,075 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3578% | 2,377 |
| Cost of funding earning assets | 0.8191% | 588 |
| Net interest margin | 3.5388% | 3,641 |
| Noninterest income to average assets | 0.5003% | 3,508 |
| Noninterest expense to average assets | 2.7200% | 3,791 |
| Loan and lease loss provision to assets | 0.3092% | 659 |
| Net operating income to assets | 0.4554% | 4,993 |
| Return on assets (ROA) | 0.4554% | 5,089 |
| Pretax return on assets | 0.7464% | 4,457 |
| Return on Equity (ROE) | 4.7941% | 4,768 |
| Retained earnings to average equity (ytd only) | 4.6347% | 2,873 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0421% | 3,204 |
| Assets per employee ($millions) | 6.4913% | 1,053 |
| Cash dividends to net income (ytd only)* | 3.3238% | 4,271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3812% | 3,037 |
| Loan loss allowance to noncurrent loans | 1,093.9271% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.0928% | 5,657 |
| Noncurrent loans to loans | 0.1263% | 5,395 |
| Net loans and leases to total assets | 72.4905% | 1,833 |
| Net loans and leases to deposits | 83.9435% | 2,225 |
| Net loans and leases to core deposits | 85.6887% | 2,718 |
| Total domestic deposits to total assets | 86.3563% | 2,639 |
| Equity capital to assets | 9.8631% | 4,277 |
| Core capital (leverage) ratio | 10.5885% | 2,852 |
| Tier 1 risk-based capital ratio | 12.9282% | 4,774 |
| Total risk-based capital ratio | 14.1793% | 4,693 |
| Memoranda: | ||
| Average total assets | $231,250,000 | 2,686 |
| Average earning assets | $214,028,400 | 2,669 |
| Average equity | $21,964,600 | 2,952 |
| Average total loans | $174,488,000 | 2,285 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 2,223 |
| Cost of funding earning assets | 0.8304% | 593 |
| Net interest margin | 3.5689% | 3,559 |
| Noninterest income to average assets | 0.5153% | 3,445 |
| Noninterest expense to average assets | 2.8796% | 3,195 |
| Loan and lease loss provision to assets | 0.2978% | 663 |
| Net operating income to assets | 0.3913% | 5,277 |
| Return on assets (ROA) | 0.3913% | 5,359 |
| Pretax return on assets | 0.6417% | 4,902 |
| Return on Equity (ROE) | 4.1671% | 5,102 |
| Retained earnings to average equity (ytd only) | 4.0012% | 3,803 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4001% | 2,596 |
| Assets per employee ($millions) | 5.8363% | 1,458 |
| Cash dividends to net income (ytd only)* | 3.9821% | 3,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 3,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 75.2559% | 1,325 |
| Net loans and leases to deposits | 88.1367% | 1,649 |
| Net loans and leases to core deposits | 88.1367% | 2,411 |
| Total domestic deposits to total assets | 85.3854% | 3,170 |
| Equity capital to assets | 10.5318% | 3,516 |
| Core capital (leverage) ratio | 10.9351% | 2,552 |
| Tier 1 risk-based capital ratio | 13.4950% | 4,544 |
| Total risk-based capital ratio | 14.7457% | 4,481 |
| Memoranda: | ||
| Average total assets | $222,526,500 | 2,777 |
| Average earning assets | $205,995,500 | 2,764 |
| Average equity | $20,893,250 | 3,076 |
| Average total loans | $169,202,250 | 2,342 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4212% | 2,103 |
| Cost of funding earning assets | 0.8299% | 610 |
| Net interest margin | 3.5913% | 3,394 |
| Noninterest income to average assets | 0.4586% | 3,799 |
| Noninterest expense to average assets | 2.9954% | 2,843 |
| Loan and lease loss provision to assets | 0.2381% | 951 |
| Net operating income to assets | 0.3312% | 5,462 |
| Return on assets (ROA) | 0.3312% | 5,534 |
| Pretax return on assets | 0.5423% | 5,152 |
| Return on Equity (ROE) | 3.6983% | 5,270 |
| Retained earnings to average equity (ytd only) | 3.5113% | 3,966 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3299% | 2,120 |
| Assets per employee ($millions) | 5.1749% | 1,998 |
| Cash dividends to net income (ytd only)* | 5.0562% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 3,938 |
| Loan loss allowance to noncurrent loans | 1,475.6579% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 5,968 |
| Noncurrent loans to loans | 0.0870% | 5,759 |
| Net loans and leases to total assets | 77.4792% | 983 |
| Net loans and leases to deposits | 89.8931% | 1,380 |
| Net loans and leases to core deposits | 92.0515% | 1,938 |
| Total domestic deposits to total assets | 86.1904% | 2,941 |
| Equity capital to assets | 9.3583% | 4,905 |
| Core capital (leverage) ratio | 9.5383% | 4,267 |
| Tier 1 risk-based capital ratio | 12.1574% | 5,448 |
| Total risk-based capital ratio | 13.4083% | 5,362 |
| Memoranda: | ||
| Average total assets | $214,993,670 | 2,865 |
| Average earning assets | $198,589,670 | 2,850 |
| Average equity | $19,252,330 | 3,248 |
| Average total loans | $163,284,670 | 2,414 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4272% | 2,034 |
| Cost of funding earning assets | 0.8368% | 624 |
| Net interest margin | 3.5905% | 3,290 |
| Noninterest income to average assets | 0.6249% | 2,598 |
| Noninterest expense to average assets | 3.0393% | 2,731 |
| Loan and lease loss provision to assets | 0.1477% | 1,645 |
| Net operating income to assets | 0.4639% | 4,882 |
| Return on assets (ROA) | 0.4639% | 4,951 |
| Pretax return on assets | 0.7613% | 4,268 |
| Return on Equity (ROE) | 5.3069% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.1120% | 3,051 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9784% | 2,655 |
| Assets per employee ($millions) | 4.9960% | 2,255 |
| Cash dividends to net income (ytd only)* | 3.6735% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 4,166 |
| Loan loss allowance to noncurrent loans | 1,315.2866% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 6,032 |
| Noncurrent loans to loans | 0.0982% | 5,831 |
| Net loans and leases to total assets | 73.4390% | 1,363 |
| Net loans and leases to deposits | 84.6698% | 1,755 |
| Net loans and leases to core deposits | 86.5752% | 2,256 |
| Total domestic deposits to total assets | 86.7358% | 2,973 |
| Equity capital to assets | 8.6684% | 5,473 |
| Core capital (leverage) ratio | 8.8198% | 5,247 |
| Tier 1 risk-based capital ratio | 11.7261% | 5,797 |
| Total risk-based capital ratio | 12.9772% | 5,740 |
| Memoranda: | ||
| Average total assets | $211,231,000 | 2,908 |
| Average earning assets | $195,517,000 | 2,901 |
| Average equity | $18,466,500 | 3,358 |
| Average total loans | $157,602,500 | 2,493 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5473% | 2,044 |
| Cost of funding earning assets | 0.8243% | 1,070 |
| Net interest margin | 3.7230% | 2,962 |
| Noninterest income to average assets | 0.2239% | 5,736 |
| Noninterest expense to average assets | 2.8759% | 3,443 |
| Loan and lease loss provision to assets | 0.2468% | 1,460 |
| Net operating income to assets | 0.7504% | 3,551 |
| Return on assets (ROA) | 0.7504% | 3,644 |
| Pretax return on assets | 0.5181% | 5,147 |
| Return on Equity (ROE) | 7.6385% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.4396% | 1,259 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9910% | 2,320 |
| Assets per employee ($millions) | 5.6118% | 1,549 |
| Cash dividends to net income (ytd only)* | 2.6042% | 4,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2788% | 4,251 |
| Loan loss allowance to noncurrent loans | 506.8878% | 957 |
| Noncurrent assets plus other real estate owned to assets | 0.1888% | 5,743 |
| Noncurrent loans to loans | 0.2523% | 5,427 |
| Net loans and leases to total assets | 73.8730% | 1,367 |
| Net loans and leases to deposits | 85.4786% | 1,755 |
| Net loans and leases to core deposits | 87.3482% | 2,313 |
| Total domestic deposits to total assets | 86.4229% | 3,033 |
| Equity capital to assets | 8.8188% | 5,237 |
| Core capital (leverage) ratio | 9.3444% | 4,486 |
| Tier 1 risk-based capital ratio | 11.8622% | 5,699 |
| Total risk-based capital ratio | 13.1124% | 5,636 |
| Memoranda: | ||
| Average total assets | $179,111,000 | 3,281 |
| Average earning assets | $164,383,600 | 3,286 |
| Average equity | $17,595,000 | 3,485 |
| Average total loans | $130,779,400 | 2,846 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,816 |
| Cost of funding earning assets | 0.8384% | 1,106 |
| Net interest margin | 3.7858% | 2,696 |
| Noninterest income to average assets | 0.2411% | 5,709 |
| Noninterest expense to average assets | 2.9328% | 3,200 |
| Loan and lease loss provision to assets | 0.1520% | 2,368 |
| Net operating income to assets | 0.6187% | 4,261 |
| Return on assets (ROA) | 0.6187% | 4,391 |
| Pretax return on assets | 0.6187% | 4,955 |
| Return on Equity (ROE) | 6.1092% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.9024% | 2,479 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1920% | 2,235 |
| Assets per employee ($millions) | 5.6871% | 1,464 |
| Cash dividends to net income (ytd only)* | 3.3836% | 3,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 4,246 |
| Loan loss allowance to noncurrent loans | 440.7595% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.1984% | 5,842 |
| Noncurrent loans to loans | 0.3016% | 5,478 |
| Net loans and leases to total assets | 64.9209% | 2,820 |
| Net loans and leases to deposits | 71.8064% | 3,534 |
| Net loans and leases to core deposits | 73.2323% | 3,944 |
| Total domestic deposits to total assets | 90.4110% | 781 |
| Equity capital to assets | 8.9480% | 5,246 |
| Core capital (leverage) ratio | 9.3681% | 4,580 |
| Tier 1 risk-based capital ratio | 13.2297% | 4,965 |
| Total risk-based capital ratio | 14.4806% | 4,900 |
| Memoranda: | ||
| Average total assets | $171,979,750 | 3,407 |
| Average earning assets | $157,285,750 | 3,418 |
| Average equity | $17,416,000 | 3,542 |
| Average total loans | $124,630,750 | 2,963 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6802% | 1,625 |
| Cost of funding earning assets | 0.8368% | 1,219 |
| Net interest margin | 3.8434% | 2,400 |
| Noninterest income to average assets | 0.1227% | 6,440 |
| Noninterest expense to average assets | 2.9861% | 3,044 |
| Loan and lease loss provision to assets | 0.1399% | 2,577 |
| Net operating income to assets | 0.5142% | 4,742 |
| Return on assets (ROA) | 0.5142% | 4,912 |
| Pretax return on assets | 0.5142% | 5,326 |
| Return on Equity (ROE) | 4.8483% | 4,801 |
| Retained earnings to average equity (ytd only) | 4.6400% | 3,306 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0297% | 1,885 |
| Assets per employee ($millions) | 5.2868% | 1,811 |
| Cash dividends to net income (ytd only)* | 4.2959% | 3,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3044% | 4,487 |
| Loan loss allowance to noncurrent loans | 416.8342% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2151% | 5,854 |
| Noncurrent loans to loans | 0.3129% | 5,514 |
| Net loans and leases to total assets | 67.8378% | 2,276 |
| Net loans and leases to deposits | 77.3795% | 2,656 |
| Net loans and leases to core deposits | 79.2136% | 3,127 |
| Total domestic deposits to total assets | 87.6690% | 2,458 |
| Equity capital to assets | 9.4268% | 4,678 |
| Core capital (leverage) ratio | 10.3583% | 3,035 |
| Tier 1 risk-based capital ratio | 13.5140% | 4,760 |
| Total risk-based capital ratio | 14.7646% | 4,718 |
| Memoranda: | ||
| Average total assets | $162,956,330 | 3,569 |
| Average earning assets | $149,139,670 | 3,573 |
| Average equity | $17,284,330 | 3,581 |
| Average total loans | $122,519,000 | 3,013 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8552% | 1,191 |
| Cost of funding earning assets | 0.8515% | 1,246 |
| Net interest margin | 4.0037% | 1,765 |
| Noninterest income to average assets | 0.1264% | 6,464 |
| Noninterest expense to average assets | 2.9727% | 3,077 |
| Loan and lease loss provision to assets | 0.1685% | 2,172 |
| Net operating income to assets | 0.6372% | 4,037 |
| Return on assets (ROA) | 0.6372% | 4,198 |
| Pretax return on assets | 0.6372% | 4,815 |
| Return on Equity (ROE) | 5.6263% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.4170% | 2,995 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6760% | 2,508 |
| Assets per employee ($millions) | 4.8952% | 2,358 |
| Cash dividends to net income (ytd only)* | 3.7190% | 2,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3222% | 4,589 |
| Loan loss allowance to noncurrent loans | 402.2500% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.2554% | 5,805 |
| Noncurrent loans to loans | 0.3287% | 5,578 |
| Net loans and leases to total assets | 76.6612% | 757 |
| Net loans and leases to deposits | 86.5516% | 1,287 |
| Net loans and leases to core deposits | 88.5270% | 1,852 |
| Total domestic deposits to total assets | 88.5729% | 1,959 |
| Equity capital to assets | 11.0594% | 2,892 |
| Core capital (leverage) ratio | 11.2747% | 2,037 |
| Tier 1 risk-based capital ratio | 14.1945% | 4,369 |
| Total risk-based capital ratio | 15.4453% | 4,331 |
| Memoranda: | ||
| Average total assets | $151,916,000 | 3,775 |
| Average earning assets | $138,572,500 | 3,784 |
| Average equity | $17,205,000 | 3,628 |
| Average total loans | $120,186,500 | 3,084 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9549% | 1,676 |
| Cost of funding earning assets | 0.9262% | 1,778 |
| Net interest margin | 4.0287% | 2,279 |
| Noninterest income to average assets | 0.1468% | 6,303 |
| Noninterest expense to average assets | 2.8947% | 3,662 |
| Loan and lease loss provision to assets | 0.2636% | 2,534 |
| Net operating income to assets | 0.7142% | 3,672 |
| Return on assets (ROA) | 0.7142% | 3,930 |
| Pretax return on assets | 0.7142% | 4,622 |
| Return on Equity (ROE) | 5.9517% | 4,195 |
| Retained earnings to average equity (ytd only) | 5.7387% | 2,224 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7501% | 2,939 |
| Assets per employee ($millions) | 5.0754% | 2,133 |
| Cash dividends to net income (ytd only)* | 3.5787% | 4,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,624 |
| Loan loss allowance to noncurrent loans | 330.1282% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 0.3180% | 5,717 |
| Noncurrent loans to loans | 0.3943% | 5,510 |
| Net loans and leases to total assets | 79.5811% | 512 |
| Net loans and leases to deposits | 90.4963% | 1,031 |
| Net loans and leases to core deposits | 92.8794% | 1,564 |
| Total domestic deposits to total assets | 87.9385% | 2,276 |
| Equity capital to assets | 11.6084% | 2,338 |
| Core capital (leverage) ratio | 11.6314% | 1,781 |
| Tier 1 risk-based capital ratio | 14.2246% | 4,222 |
| Total risk-based capital ratio | 15.4752% | 4,179 |
| Memoranda: | ||
| Average total assets | $136,937,600 | 4,008 |
| Average earning assets | $126,642,600 | 3,971 |
| Average equity | $16,432,400 | 3,717 |
| Average total loans | $105,571,600 | 3,383 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8947% | 2,026 |
| Cost of funding earning assets | 0.9394% | 1,920 |
| Net interest margin | 3.9553% | 2,683 |
| Noninterest income to average assets | 0.0536% | 6,789 |
| Noninterest expense to average assets | 2.9132% | 3,541 |
| Loan and lease loss provision to assets | 0.2798% | 2,329 |
| Net operating income to assets | 0.5368% | 4,674 |
| Return on assets (ROA) | 0.5368% | 4,946 |
| Pretax return on assets | 0.5368% | 5,356 |
| Return on Equity (ROE) | 4.4337% | 5,079 |
| Retained earnings to average equity (ytd only) | 4.2206% | 3,922 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1059% | 2,388 |
| Assets per employee ($millions) | 5.7242% | 1,435 |
| Cash dividends to net income (ytd only)* | 4.8065% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2907% | 4,855 |
| Loan loss allowance to noncurrent loans | 163.6161% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 5,103 |
| Noncurrent loans to loans | 0.7889% | 4,826 |
| Net loans and leases to total assets | 78.3425% | 689 |
| Net loans and leases to deposits | 89.1802% | 1,241 |
| Net loans and leases to core deposits | 91.0606% | 1,866 |
| Total domestic deposits to total assets | 87.8474% | 2,129 |
| Equity capital to assets | 11.6425% | 2,604 |
| Core capital (leverage) ratio | 11.7001% | 1,844 |
| Tier 1 risk-based capital ratio | 14.3469% | 4,303 |
| Total risk-based capital ratio | 15.5971% | 4,271 |
| Memoranda: | ||
| Average total assets | $134,375,250 | 4,092 |
| Average earning assets | $124,893,250 | 4,042 |
| Average equity | $16,269,000 | 3,777 |
| Average total loans | $102,295,000 | 3,500 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 2,348 |
| Cost of funding earning assets | 0.9529% | 2,042 |
| Net interest margin | 3.8848% | 2,978 |
| Noninterest income to average assets | 0.0502% | 6,858 |
| Noninterest expense to average assets | 2.8662% | 3,761 |
| Loan and lease loss provision to assets | 0.3666% | 1,791 |
| Net operating income to assets | 0.4579% | 5,006 |
| Return on assets (ROA) | 0.4579% | 5,242 |
| Pretax return on assets | 0.4579% | 5,553 |
| Return on Equity (ROE) | 3.7302% | 5,390 |
| Retained earnings to average equity (ytd only) | 3.5072% | 4,258 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6587% | 2,505 |
| Assets per employee ($millions) | 5.7127% | 1,432 |
| Cash dividends to net income (ytd only)* | 5.9801% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3560% | 4,639 |
| Loan loss allowance to noncurrent loans | 149.3711% | 2,246 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 5,044 |
| Noncurrent loans to loans | 0.9078% | 4,684 |
| Net loans and leases to total assets | 75.6077% | 1,019 |
| Net loans and leases to deposits | 86.1510% | 1,575 |
| Net loans and leases to core deposits | 88.0431% | 2,205 |
| Total domestic deposits to total assets | 87.7619% | 2,305 |
| Equity capital to assets | 11.8923% | 2,228 |
| Core capital (leverage) ratio | 12.0686% | 1,568 |
| Tier 1 risk-based capital ratio | 15.3802% | 3,516 |
| Total risk-based capital ratio | 16.6309% | 3,476 |
| Memoranda: | ||
| Average total assets | $131,465,330 | 4,175 |
| Average earning assets | $123,198,670 | 4,095 |
| Average equity | $16,138,330 | 3,784 |
| Average total loans | $98,534,000 | 3,610 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8118% | 2,583 |
| Cost of funding earning assets | 1.0099% | 1,919 |
| Net interest margin | 3.8019% | 3,385 |
| Noninterest income to average assets | 0.0466% | 6,942 |
| Noninterest expense to average assets | 2.8917% | 3,656 |
| Loan and lease loss provision to assets | 0.2643% | 2,344 |
| Net operating income to assets | 0.4726% | 4,942 |
| Return on assets (ROA) | 0.4726% | 5,141 |
| Pretax return on assets | 0.4726% | 5,517 |
| Return on Equity (ROE) | 3.7870% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.5628% | 4,443 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6915% | 2,237 |
| Assets per employee ($millions) | 5.5990% | 1,611 |
| Cash dividends to net income (ytd only)* | 5.9211% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3210% | 4,925 |
| Loan loss allowance to noncurrent loans | 133.0189% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.7099% | 5,128 |
| Noncurrent loans to loans | 0.9931% | 4,690 |
| Net loans and leases to total assets | 70.5438% | 1,658 |
| Net loans and leases to deposits | 80.4819% | 2,148 |
| Net loans and leases to core deposits | 81.9273% | 2,848 |
| Total domestic deposits to total assets | 87.6518% | 2,552 |
| Equity capital to assets | 12.0021% | 2,039 |
| Core capital (leverage) ratio | 12.4606% | 1,356 |
| Tier 1 risk-based capital ratio | 16.3721% | 2,977 |
| Total risk-based capital ratio | 17.6227% | 2,931 |
| Memoranda: | ||
| Average total assets | $128,645,500 | 4,264 |
| Average earning assets | $121,202,000 | 4,173 |
| Average equity | $16,055,000 | 3,804 |
| Average total loans | $95,257,500 | 3,704 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 2,666 |
| Cost of funding earning assets | 1.0658% | 2,910 |
| Net interest margin | 3.9819% | 2,974 |
| Noninterest income to average assets | 0.0906% | 6,681 |
| Noninterest expense to average assets | 3.2402% | 2,725 |
| Loan and lease loss provision to assets | 0.2650% | 3,570 |
| Net operating income to assets | 0.3193% | 5,193 |
| Return on assets (ROA) | 0.3193% | 5,340 |
| Pretax return on assets | 0.3213% | 5,504 |
| Return on Equity (ROE) | 2.4650% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.3914% | 4,523 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6786% | 1,694 |
| Assets per employee ($millions) | 5.5870% | 1,547 |
| Cash dividends to net income (ytd only)* | 2.9851% | 4,022 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 5,147 |
| Loan loss allowance to noncurrent loans | 327.0718% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2945% | 6,232 |
| Noncurrent loans to loans | 0.3833% | 5,945 |
| Net loans and leases to total assets | 75.8801% | 967 |
| Net loans and leases to deposits | 87.6052% | 1,435 |
| Net loans and leases to core deposits | 89.1229% | 2,238 |
| Total domestic deposits to total assets | 86.6160% | 2,969 |
| Equity capital to assets | 13.0025% | 1,480 |
| Core capital (leverage) ratio | 13.2277% | 1,062 |
| Tier 1 risk-based capital ratio | 15.3526% | 3,420 |
| Total risk-based capital ratio | 16.4955% | 3,442 |
| Memoranda: | ||
| Average total assets | $104,901,800 | 4,758 |
| Average earning assets | $98,420,600 | 4,674 |
| Average equity | $13,590,400 | 4,219 |
| Average total loans | $81,321,000 | 4,101 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0641% | 2,783 |
| Cost of funding earning assets | 1.0810% | 3,107 |
| Net interest margin | 3.9831% | 2,990 |
| Noninterest income to average assets | 0.1023% | 6,744 |
| Noninterest expense to average assets | 3.3692% | 2,284 |
| Loan and lease loss provision to assets | 0.2736% | 3,319 |
| Net operating income to assets | 0.1833% | 5,749 |
| Return on assets (ROA) | 0.1833% | 5,871 |
| Pretax return on assets | 0.1833% | 5,925 |
| Return on Equity (ROE) | 1.4162% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.4059% | 5,446 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0597% | 1,338 |
| Assets per employee ($millions) | 5.2590% | 1,861 |
| Cash dividends to net income (ytd only)* | 0.7228% | 3,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 5,133 |
| Loan loss allowance to noncurrent loans | 330.9524% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.2904% | 6,330 |
| Noncurrent loans to loans | 0.3847% | 6,089 |
| Net loans and leases to total assets | 74.5214% | 1,229 |
| Net loans and leases to deposits | 87.5862% | 1,477 |
| Net loans and leases to core deposits | 89.2296% | 2,333 |
| Total domestic deposits to total assets | 85.0835% | 3,733 |
| Equity capital to assets | 13.6443% | 1,311 |
| Core capital (leverage) ratio | 14.8409% | 698 |
| Tier 1 risk-based capital ratio | 16.2924% | 2,972 |
| Total risk-based capital ratio | 17.4468% | 2,980 |
| Memoranda: | ||
| Average total assets | $100,398,500 | 4,919 |
| Average earning assets | $93,860,000 | 4,852 |
| Average equity | $12,992,500 | 4,351 |
| Average total loans | $78,038,250 | 4,244 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1751% | 2,362 |
| Cost of funding earning assets | 1.1362% | 2,986 |
| Net interest margin | 4.0389% | 2,653 |
| Noninterest income to average assets | 0.0839% | 6,906 |
| Noninterest expense to average assets | 3.5425% | 1,879 |
| Loan and lease loss provision to assets | 0.2497% | 3,409 |
| Net operating income to assets | 0.0441% | 6,134 |
| Return on assets (ROA) | 0.0441% | 6,213 |
| Pretax return on assets | 0.0441% | 6,199 |
| Return on Equity (ROE) | 0.3482% | 6,234 |
| Retained earnings to average equity (ytd only) | 0.3482% | 5,708 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3414% | 1,078 |
| Assets per employee ($millions) | 4.4983% | 2,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 5,141 |
| Loan loss allowance to noncurrent loans | 410.0000% | 792 |
| Noncurrent assets plus other real estate owned to assets | 0.2526% | 6,498 |
| Noncurrent loans to loans | 0.3128% | 6,291 |
| Net loans and leases to total assets | 79.7136% | 557 |
| Net loans and leases to deposits | 91.2210% | 1,136 |
| Net loans and leases to core deposits | 93.1876% | 1,998 |
| Total domestic deposits to total assets | 87.3852% | 2,527 |
| Equity capital to assets | 12.2622% | 1,929 |
| Core capital (leverage) ratio | 12.3854% | 1,410 |
| Tier 1 risk-based capital ratio | 13.8574% | 4,261 |
| Total risk-based capital ratio | 15.0344% | 4,290 |
| Memoranda: | ||
| Average total assets | $95,299,000 | 5,095 |
| Average earning assets | $88,539,330 | 5,037 |
| Average equity | $12,061,330 | 4,545 |
| Average total loans | $74,940,670 | 4,391 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1918% | 2,252 |
| Cost of funding earning assets | 1.1214% | 3,361 |
| Net interest margin | 4.0704% | 2,390 |
| Noninterest income to average assets | 0.0642% | 7,069 |
| Noninterest expense to average assets | 3.7061% | 1,522 |
| Loan and lease loss provision to assets | 0.3552% | 2,422 |
| Net operating income to assets | -0.2225% | 6,587 |
| Return on assets (ROA) | -0.2225% | 6,600 |
| Pretax return on assets | -0.2225% | 6,555 |
| Return on Equity (ROE) | -1.7298% | 6,557 |
| Retained earnings to average equity (ytd only) | -1.7298% | 6,104 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5440% | 893 |
| Assets per employee ($millions) | 4.3407% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 5,024 |
| Loan loss allowance to noncurrent loans | 395.6000% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.2618% | 6,520 |
| Noncurrent loans to loans | 0.3342% | 6,326 |
| Net loans and leases to total assets | 77.2878% | 830 |
| Net loans and leases to deposits | 88.7113% | 1,384 |
| Net loans and leases to core deposits | 91.2176% | 2,209 |
| Total domestic deposits to total assets | 87.1229% | 2,879 |
| Equity capital to assets | 12.5787% | 1,582 |
| Core capital (leverage) ratio | 13.1767% | 1,070 |
| Tier 1 risk-based capital ratio | 14.5805% | 3,687 |
| Total risk-based capital ratio | 15.7839% | 3,680 |
| Memoranda: | ||
| Average total assets | $93,467,000 | 5,190 |
| Average earning assets | $86,674,500 | 5,141 |
| Average equity | $12,024,500 | 4,542 |
| Average total loans | $72,455,000 | 4,535 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 6,191 |
| Cost of funding earning assets | 1.2644% | 4,111 |
| Net interest margin | 3.3050% | 5,964 |
| Noninterest income to average assets | 0.0158% | 7,225 |
| Noninterest expense to average assets | 3.7252% | 1,642 |
| Loan and lease loss provision to assets | 0.6182% | 2,664 |
| Net operating income to assets | -1.2641% | 6,813 |
| Return on assets (ROA) | -1.2641% | 6,840 |
| Pretax return on assets | -1.2641% | 6,765 |
| Return on Equity (ROE) | -7.7241% | 6,606 |
| Retained earnings to average equity (ytd only) | -7.7241% | 6,514 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.9739% | 400 |
| Assets per employee ($millions) | 4.5720% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 5,046 |
| 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 | 75.6887% | 1,335 |
| Net loans and leases to deposits | 87.4712% | 1,866 |
| Net loans and leases to core deposits | 90.9508% | 2,627 |
| Total domestic deposits to total assets | 86.5298% | 3,063 |
| Equity capital to assets | 13.1640% | 1,315 |
| Core capital (leverage) ratio | 13.7805% | 905 |
| Tier 1 risk-based capital ratio | 15.4512% | 3,015 |
| Total risk-based capital ratio | 16.6155% | 3,021 |
| Memoranda: | ||
| Average total assets | $76,022,000 | 5,714 |
| Average earning assets | $70,469,000 | 5,652 |
| Average equity | $12,441,600 | 4,496 |
| Average total loans | $51,550,000 | 5,422 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4470% | 6,733 |
| Cost of funding earning assets | 1.3066% | 4,172 |
| Net interest margin | 3.1403% | 6,508 |
| Noninterest income to average assets | 0.0129% | 7,405 |
| Noninterest expense to average assets | 3.7449% | 1,481 |
| Loan and lease loss provision to assets | 0.5949% | 2,567 |
| Net operating income to assets | -1.4096% | 7,079 |
| Return on assets (ROA) | -1.4096% | 7,100 |
| Pretax return on assets | -1.4096% | 7,019 |
| Return on Equity (ROE) | -8.1107% | 6,842 |
| Retained earnings to average equity (ytd only) | -8.1107% | 6,779 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.8058% | 316 |
| Assets per employee ($millions) | 4.4904% | 2,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 5,117 |
| 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 | 72.9496% | 2,022 |
| Net loans and leases to deposits | 86.3699% | 2,264 |
| Net loans and leases to core deposits | 90.7179% | 2,992 |
| Total domestic deposits to total assets | 84.4619% | 3,892 |
| Equity capital to assets | 15.1546% | 856 |
| Core capital (leverage) ratio | 15.5968% | 622 |
| Tier 1 risk-based capital ratio | 16.8530% | 2,393 |
| Total risk-based capital ratio | 17.8993% | 2,448 |
| Memoranda: | ||
| Average total assets | $72,167,750 | 5,873 |
| Average earning assets | $67,040,500 | 5,829 |
| Average equity | $12,542,750 | 4,541 |
| Average total loans | $46,908,750 | 5,679 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1843% | 7,193 |
| Cost of funding earning assets | 1.3148% | 4,445 |
| Net interest margin | 2.8695% | 7,053 |
| Noninterest income to average assets | 0.0087% | 7,498 |
| Noninterest expense to average assets | 3.8134% | 1,339 |
| Loan and lease loss provision to assets | 0.6697% | 2,156 |
| Net operating income to assets | -1.8158% | 7,259 |
| Return on assets (ROA) | -1.8158% | 7,265 |
| Pretax return on assets | -1.8158% | 7,179 |
| Return on Equity (ROE) | -9.9520% | 6,966 |
| Retained earnings to average equity (ytd only) | -9.9520% | 6,915 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.9654% | 239 |
| Assets per employee ($millions) | 4.7669% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 5,068 |
| 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 | 63.9145% | 4,279 |
| Net loans and leases to deposits | 75.6639% | 4,388 |
| Net loans and leases to core deposits | 78.2248% | 4,912 |
| Total domestic deposits to total assets | 84.4715% | 3,885 |
| Equity capital to assets | 15.2435% | 830 |
| Core capital (leverage) ratio | 16.5269% | 492 |
| Tier 1 risk-based capital ratio | 18.3845% | 1,862 |
| Total risk-based capital ratio | 19.3802% | 1,895 |
| Memoranda: | ||
| Average total assets | $69,281,330 | 5,998 |
| Average earning assets | $64,192,670 | 5,956 |
| Average equity | $12,640,670 | 4,514 |
| Average total loans | $42,638,000 | 5,922 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1314% | 7,344 |
| Cost of funding earning assets | 1.2812% | 4,922 |
| Net interest margin | 2.8502% | 7,099 |
| Noninterest income to average assets | 0.0063% | 7,635 |
| Noninterest expense to average assets | 4.0377% | 977 |
| Loan and lease loss provision to assets | 0.4353% | 2,784 |
| Net operating income to assets | -1.8422% | 7,423 |
| Return on assets (ROA) | -1.8422% | 7,425 |
| Pretax return on assets | -1.8422% | 7,365 |
| Return on Equity (ROE) | -9.1361% | 7,104 |
| Retained earnings to average equity (ytd only) | -9.1361% | 6,908 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 153.4772% | 197 |
| Assets per employee ($millions) | 4.3843% | 3,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 5,233 |
| 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 | 57.0080% | 5,605 |
| Net loans and leases to deposits | 69.7772% | 5,371 |
| Net loans and leases to core deposits | 72.9638% | 5,612 |
| Total domestic deposits to total assets | 81.7001% | 5,199 |
| Equity capital to assets | 18.0290% | 421 |
| Core capital (leverage) ratio | 21.6798% | 196 |
| Tier 1 risk-based capital ratio | 23.1721% | 1,045 |
| Total risk-based capital ratio | 24.0963% | 1,070 |
| Memoranda: | ||
| Average total assets | $63,403,000 | 6,262 |
| Average earning assets | $58,381,500 | 6,232 |
| Average equity | $12,784,500 | 4,526 |
| Average total loans | $37,725,500 | 6,219 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0512% | 7,671 |
| Cost of funding earning assets | 1.1068% | 6,954 |
| Net interest margin | 2.9444% | 6,772 |
| Noninterest income to average assets | 0.0137% | 7,643 |
| Noninterest expense to average assets | 5.1171% | 480 |
| Loan and lease loss provision to assets | 0.8904% | 2,519 |
| Net operating income to assets | -3.3033% | 7,464 |
| Return on assets (ROA) | -3.3033% | 7,461 |
| Pretax return on assets | -3.3033% | 7,372 |
| Return on Equity (ROE) | -8.8978% | 6,533 |
| Retained earnings to average equity (ytd only) | -8.8978% | 6,420 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 189.2276% | 165 |
| Assets per employee ($millions) | 4.0470% | 3,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2473% | 5,076 |
| 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 | 60.9270% | 5,204 |
| Net loans and leases to deposits | 79.1326% | 4,148 |
| Net loans and leases to core deposits | 82.8632% | 5,827 |
| Total domestic deposits to total assets | 76.9935% | 6,478 |
| Equity capital to assets | 22.8070% | 208 |
| Core capital (leverage) ratio | 24.0624% | 174 |
| Tier 1 risk-based capital ratio | 27.0454% | 701 |
| Total risk-based capital ratio | 27.9579% | 703 |
| Memoranda: | ||
| Average total assets | $36,388,000 | 7,229 |
| Average earning assets | $33,249,400 | 7,222 |
| Average equity | $13,509,000 | 4,383 |
| Average total loans | $19,878,800 | 7,197 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9280% | 7,826 |
| Cost of funding earning assets | 1.0101% | 7,368 |
| Net interest margin | 2.9180% | 6,812 |
| Noninterest income to average assets | 0.0170% | 7,782 |
| Noninterest expense to average assets | 5.7043% | 346 |
| Loan and lease loss provision to assets | 0.8982% | 2,141 |
| Net operating income to assets | -3.9292% | 7,739 |
| Return on assets (ROA) | -3.9292% | 7,740 |
| Pretax return on assets | -3.9292% | 7,676 |
| Return on Equity (ROE) | -9.0119% | 6,813 |
| Retained earnings to average equity (ytd only) | -9.0119% | 6,705 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 213.3758% | 125 |
| Assets per employee ($millions) | 3.6483% | 4,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 4,862 |
| 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 | 53.9681% | 6,387 |
| Net loans and leases to deposits | 75.1608% | 5,187 |
| Net loans and leases to core deposits | 78.7618% | 6,434 |
| Total domestic deposits to total assets | 71.8036% | 7,228 |
| Equity capital to assets | 27.8506% | 139 |
| Core capital (leverage) ratio | 35.1902% | 93 |
| Tier 1 risk-based capital ratio | 36.0007% | 356 |
| Total risk-based capital ratio | 36.8810% | 359 |
| Memoranda: | ||
| Average total assets | $31,320,500 | 7,488 |
| Average earning assets | $28,512,250 | 7,479 |
| Average equity | $13,655,750 | 4,375 |
| Average total loans | $16,109,500 | 7,464 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1598% | 7,848 |
| Cost of funding earning assets | 1.0082% | 7,538 |
| Net interest margin | 3.1516% | 6,085 |
| Noninterest income to average assets | 0.0077% | 7,917 |
| Noninterest expense to average assets | 6.8205% | 236 |
| Loan and lease loss provision to assets | 0.7167% | 2,289 |
| Net operating income to assets | -4.6626% | 7,910 |
| Return on assets (ROA) | -4.6626% | 7,905 |
| Pretax return on assets | -4.6626% | 7,826 |
| Return on Equity (ROE) | -8.7651% | 6,952 |
| Retained earnings to average equity (ytd only) | -8.7651% | 6,747 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 237.2654% | 132 |
| Assets per employee ($millions) | 2.5599% | 7,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2558% | 4,567 |
| 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 | 52.4724% | 6,626 |
| Net loans and leases to deposits | 94.1860% | 2,061 |
| Net loans and leases to core deposits | 116.0475% | 2,705 |
| Total domestic deposits to total assets | 55.7114% | 8,012 |
| Equity capital to assets | 44.0021% | 75 |
| Core capital (leverage) ratio | 48.6731% | 65 |
| Tier 1 risk-based capital ratio | 45.7242% | 215 |
| Total risk-based capital ratio | 46.4177% | 220 |
| Memoranda: | ||
| Average total assets | $25,951,330 | 7,757 |
| Average earning assets | $23,607,000 | 7,736 |
| Average equity | $13,804,670 | 4,351 |
| Average total loans | $12,839,670 | 7,708 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 8,013 |
| Cost of funding earning assets | 0.9979% | 7,674 |
| Net interest margin | 2.9197% | 6,702 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 7.2473% | 192 |
| Loan and lease loss provision to assets | 0.9165% | 1,422 |
| Net operating income to assets | -5.4821% | 8,068 |
| Return on assets (ROA) | -5.4821% | 8,061 |
| Pretax return on assets | -5.4821% | 8,018 |
| Return on Equity (ROE) | -9.2626% | 7,316 |
| Retained earnings to average equity (ytd only) | -9.2626% | 7,037 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 270.2532% | 111 |
| Assets per employee ($millions) | 2.3990% | 7,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 4,503 |
| 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 | 45.5294% | 7,225 |
| Net loans and leases to deposits | 87.7779% | 3,321 |
| Net loans and leases to core deposits | 106.3276% | 3,866 |
| Total domestic deposits to total assets | 51.8688% | 8,087 |
| Equity capital to assets | 47.9054% | 72 |
| Core capital (leverage) ratio | 58.7226% | 56 |
| Tier 1 risk-based capital ratio | 53.8711% | 171 |
| Total risk-based capital ratio | 54.5156% | 172 |
| Memoranda: | ||
| Average total assets | $23,567,500 | 7,884 |
| Average earning assets | $21,646,000 | 7,853 |
| Average equity | $13,948,500 | 4,347 |
| Average total loans | $11,097,500 | 7,854 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2664% | 8,253 |
| Cost of funding earning assets | 0.1266% | 8,258 |
| Net interest margin | 1.1397% | 8,218 |
| Noninterest income to average assets | 0.0118% | 8,059 |
| Noninterest expense to average assets | 4.9258% | 649 |
| Loan and lease loss provision to assets | 0.6583% | 2,207 |
| Net operating income to assets | -4.5143% | 8,050 |
| Return on assets (ROA) | -4.5143% | 8,034 |
| Pretax return on assets | -4.5143% | 7,965 |
| Return on Equity (ROE) | -5.3812% | 6,900 |
| Retained earnings to average equity (ytd only) | -5.3812% | 6,569 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 460.4396% | 54 |
| Assets per employee ($millions) | 1.6679% | 8,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 4,087 |
| 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 | 48.0242% | 7,187 |
| Net loans and leases to deposits | 210.3366% | 37 |
| Net loans and leases to core deposits | 215.4806% | 126 |
| Total domestic deposits to total assets | 22.8321% | 8,231 |
| Equity capital to assets | 76.8845% | 40 |
| Core capital (leverage) ratio | 79.4167% | 33 |
| Tier 1 risk-based capital ratio | 75.4574% | 107 |
| Total risk-based capital ratio | 76.0511% | 108 |
| Memoranda: | ||
| Average total assets | $17,012,500 | 8,102 |
| Average earning assets | $15,793,000 | 8,083 |
| Average equity | $14,272,000 | 4,273 |
| Average total loans | $7,340,500 | 8,065 |