Home > Harvard Savings Bank > Performance and Condition Ratios
Harvard Savings 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 | 4.2942% | 2,176 |
| Cost of funding earning assets | 0.7021% | 794 |
| Net interest margin | 3.5921% | 3,128 |
| Noninterest income to average assets | 0.1939% | 5,335 |
| Noninterest expense to average assets | 2.8288% | 2,927 |
| Loan and lease loss provision to assets | -0.3331% | 5,987 |
| Net operating income to assets | 0.7968% | 3,325 |
| Return on assets (ROA) | 0.8207% | 3,353 |
| Pretax return on assets | 0.8207% | 4,215 |
| Return on Equity (ROE) | 8.5624% | 2,720 |
| Retained earnings to average equity (ytd only) | 8.5624% | 990 |
| Net charge-offs to loans | 0.2617% | 921 |
| Credit loss provision to net charge-offs | -176.8657% | 4,701 |
| Earnings coverage of net charge-offs (x) | 2.4627% | 3,269 |
| Efficiency ratio | 85.9155% | 892 |
| Assets per employee ($millions) | 5.9019% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 2,509 |
| Loan loss allowance to noncurrent loans | 34.1409% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 3.4904% | 308 |
| Noncurrent loans to loans | 3.9655% | 295 |
| Net loans and leases to total assets | 71.0403% | 2,323 |
| Net loans and leases to deposits | 84.6734% | 2,389 |
| Net loans and leases to core deposits | 89.7124% | 2,561 |
| Total domestic deposits to total assets | 83.8992% | 3,308 |
| Equity capital to assets | 9.8535% | 4,386 |
| Core capital (leverage) ratio | 9.8177% | 3,790 |
| Tier 1 risk-based capital ratio | 12.0890% | 4,770 |
| Total risk-based capital ratio | 13.2913% | 4,713 |
| Memoranda: | ||
| Average total assets | $142,320,330 | 3,671 |
| Average earning assets | $122,770,330 | 3,829 |
| Average equity | $13,641,000 | 4,048 |
| Average total loans | $102,414,670 | 3,364 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 2,260 |
| Cost of funding earning assets | 0.7051% | 791 |
| Net interest margin | 3.5582% | 3,246 |
| Noninterest income to average assets | 0.2524% | 4,942 |
| Noninterest expense to average assets | 2.7506% | 3,235 |
| Loan and lease loss provision to assets | -0.3449% | 6,058 |
| Net operating income to assets | 0.9169% | 2,672 |
| Return on assets (ROA) | 0.9645% | 2,554 |
| Pretax return on assets | 0.9645% | 3,597 |
| Return on Equity (ROE) | 10.2054% | 1,899 |
| Retained earnings to average equity (ytd only) | 10.2054% | 807 |
| Net charge-offs to loans | 0.5028% | 437 |
| Credit loss provision to net charge-offs | -95.3488% | 4,225 |
| Earnings coverage of net charge-offs (x) | 1.5814% | 2,798 |
| Efficiency ratio | 82.7848% | 1,281 |
| Assets per employee ($millions) | 5.2624% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 2,110 |
| Loan loss allowance to noncurrent loans | 35.7313% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 3.5739% | 306 |
| Noncurrent loans to loans | 4.1185% | 284 |
| Net loans and leases to total assets | 70.6837% | 2,238 |
| Net loans and leases to deposits | 82.5255% | 2,482 |
| Net loans and leases to core deposits | 88.1322% | 2,550 |
| Total domestic deposits to total assets | 85.6508% | 2,833 |
| Equity capital to assets | 9.6238% | 4,540 |
| Core capital (leverage) ratio | 9.5069% | 4,185 |
| Tier 1 risk-based capital ratio | 11.9210% | 4,960 |
| Total risk-based capital ratio | 13.1720% | 4,873 |
| Memoranda: | ||
| Average total assets | $142,658,000 | 3,691 |
| Average earning assets | $123,097,000 | 3,846 |
| Average equity | $13,483,000 | 4,082 |
| Average total loans | $102,619,000 | 3,379 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 2,598 |
| Cost of funding earning assets | 0.7640% | 598 |
| Net interest margin | 3.4238% | 3,822 |
| Noninterest income to average assets | 0.3447% | 4,449 |
| Noninterest expense to average assets | 3.0513% | 2,380 |
| Loan and lease loss provision to assets | -0.5568% | 6,130 |
| Net operating income to assets | 0.8105% | 3,299 |
| Return on assets (ROA) | 0.8105% | 3,372 |
| Pretax return on assets | 0.8176% | 4,132 |
| Return on Equity (ROE) | 9.5887% | 2,183 |
| Retained earnings to average equity (ytd only) | 9.5887% | 519 |
| Net charge-offs to loans | 4.8776% | 7 |
| Credit loss provision to net charge-offs | -15.5891% | 4,971 |
| Earnings coverage of net charge-offs (x) | 0.0730% | 4,263 |
| Efficiency ratio | 92.1249% | 566 |
| Assets per employee ($millions) | 5.3049% | 2,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6959% | 1,358 |
| Loan loss allowance to noncurrent loans | 35.4011% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 3.8756% | 273 |
| Noncurrent loans to loans | 4.7906% | 211 |
| Net loans and leases to total assets | 70.9029% | 2,216 |
| Net loans and leases to deposits | 83.8390% | 2,380 |
| Net loans and leases to core deposits | 89.5578% | 2,447 |
| Total domestic deposits to total assets | 84.5704% | 3,261 |
| Equity capital to assets | 9.2801% | 4,813 |
| Core capital (leverage) ratio | 9.3099% | 4,461 |
| Tier 1 risk-based capital ratio | 11.5250% | 5,240 |
| Total risk-based capital ratio | 12.7780% | 5,145 |
| Memoranda: | ||
| Average total assets | $153,735,600 | 3,511 |
| Average earning assets | $133,243,000 | 3,644 |
| Average equity | $12,994,400 | 4,146 |
| Average total loans | $112,576,600 | 3,159 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2584% | 2,371 |
| Cost of funding earning assets | 0.7835% | 545 |
| Net interest margin | 3.4749% | 3,642 |
| Noninterest income to average assets | 0.3419% | 4,498 |
| Noninterest expense to average assets | 3.0476% | 2,374 |
| Loan and lease loss provision to assets | -1.4692% | 6,263 |
| Net operating income to assets | 1.7779% | 546 |
| Return on assets (ROA) | 1.7779% | 565 |
| Pretax return on assets | 1.7779% | 936 |
| Return on Equity (ROE) | 21.5165% | 206 |
| Retained earnings to average equity (ytd only) | 21.5165% | 58 |
| Net charge-offs to loans | 5.3335% | 5 |
| Credit loss provision to net charge-offs | -37.4891% | 4,938 |
| Earnings coverage of net charge-offs (x) | 0.0788% | 3,985 |
| Efficiency ratio | 90.8028% | 643 |
| Assets per employee ($millions) | 5.1050% | 2,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 1,354 |
| Loan loss allowance to noncurrent loans | 39.9372% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 3.5323% | 363 |
| Noncurrent loans to loans | 4.3939% | 257 |
| Net loans and leases to total assets | 69.7193% | 2,432 |
| Net loans and leases to deposits | 80.1854% | 2,862 |
| Net loans and leases to core deposits | 97.1742% | 1,770 |
| Total domestic deposits to total assets | 86.9476% | 2,069 |
| Equity capital to assets | 9.8741% | 4,311 |
| Core capital (leverage) ratio | 9.4147% | 4,413 |
| Tier 1 risk-based capital ratio | 12.5203% | 4,741 |
| Total risk-based capital ratio | 13.7745% | 4,643 |
| Memoranda: | ||
| Average total assets | $156,361,750 | 3,512 |
| Average earning assets | $135,634,500 | 3,636 |
| Average equity | $12,920,000 | 4,198 |
| Average total loans | $114,894,000 | 3,154 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2204% | 2,479 |
| Cost of funding earning assets | 0.7950% | 515 |
| Net interest margin | 3.4254% | 3,809 |
| Noninterest income to average assets | 0.4166% | 3,953 |
| Noninterest expense to average assets | 3.1498% | 2,120 |
| Loan and lease loss provision to assets | -1.6539% | 6,341 |
| Net operating income to assets | 1.9050% | 431 |
| Return on assets (ROA) | 1.9050% | 451 |
| Pretax return on assets | 1.9050% | 725 |
| Return on Equity (ROE) | 24.4689% | 126 |
| Retained earnings to average equity (ytd only) | 24.4689% | 49 |
| Net charge-offs to loans | 3.6338% | 25 |
| Credit loss provision to net charge-offs | -61.3186% | 4,837 |
| Earnings coverage of net charge-offs (x) | 0.0931% | 3,705 |
| Efficiency ratio | 92.6143% | 605 |
| Assets per employee ($millions) | 5.7893% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0174% | 104 |
| Loan loss allowance to noncurrent loans | 59.4085% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 5.3387% | 191 |
| Noncurrent loans to loans | 6.7624% | 124 |
| Net loans and leases to total assets | 70.3096% | 2,270 |
| Net loans and leases to deposits | 81.7728% | 2,587 |
| Net loans and leases to core deposits | 97.5311% | 1,684 |
| Total domestic deposits to total assets | 85.9817% | 2,701 |
| Equity capital to assets | 8.6373% | 5,574 |
| Core capital (leverage) ratio | 8.5073% | 5,524 |
| Tier 1 risk-based capital ratio | 10.8487% | 5,782 |
| Total risk-based capital ratio | 12.0912% | 5,715 |
| Memoranda: | ||
| Average total assets | $160,836,000 | 3,476 |
| Average earning assets | $140,129,330 | 3,602 |
| Average equity | $12,522,000 | 4,287 |
| Average total loans | $119,380,000 | 3,092 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 2,388 |
| Cost of funding earning assets | 0.8453% | 390 |
| Net interest margin | 3.3726% | 3,942 |
| Noninterest income to average assets | 0.4096% | 3,924 |
| Noninterest expense to average assets | 2.9504% | 2,738 |
| Loan and lease loss provision to assets | -0.0490% | 6,157 |
| Net operating income to assets | 0.4537% | 4,854 |
| Return on assets (ROA) | 0.4537% | 4,971 |
| Pretax return on assets | 0.4537% | 5,306 |
| Return on Equity (ROE) | 6.1500% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.1500% | 2,404 |
| Net charge-offs to loans | 0.4695% | 528 |
| Credit loss provision to net charge-offs | -13.9860% | 4,318 |
| Earnings coverage of net charge-offs (x) | 1.1538% | 2,960 |
| Efficiency ratio | 87.9386% | 1,019 |
| Assets per employee ($millions) | 5.9810% | 1,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5220% | 26 |
| Loan loss allowance to noncurrent loans | 68.8053% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 7.6012% | 110 |
| Noncurrent loans to loans | 9.4789% | 68 |
| Net loans and leases to total assets | 70.4356% | 2,079 |
| Net loans and leases to deposits | 82.5364% | 2,274 |
| Net loans and leases to core deposits | 109.5915% | 764 |
| Total domestic deposits to total assets | 85.3388% | 3,250 |
| Equity capital to assets | 7.5225% | 6,174 |
| Core capital (leverage) ratio | 7.4667% | 6,151 |
| Tier 1 risk-based capital ratio | 9.5408% | 6,268 |
| Total risk-based capital ratio | 10.8524% | 6,225 |
| Memoranda: | ||
| Average total assets | $163,099,000 | 3,468 |
| Average earning assets | $142,441,000 | 3,586 |
| Average equity | $12,032,500 | 4,408 |
| Average total loans | $121,819,500 | 3,063 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2494% | 2,780 |
| Cost of funding earning assets | 0.8821% | 436 |
| Net interest margin | 3.3673% | 4,342 |
| Noninterest income to average assets | 0.3088% | 4,908 |
| Noninterest expense to average assets | 2.6504% | 4,050 |
| Loan and lease loss provision to assets | 5.9154% | 3 |
| Net operating income to assets | -6.1529% | 6,499 |
| Return on assets (ROA) | -6.1506% | 6,499 |
| Pretax return on assets | -5.2099% | 6,498 |
| Return on Equity (ROE) | -62.6171% | 6,493 |
| Retained earnings to average equity (ytd only) | -62.6171% | 6,493 |
| Net charge-offs to loans | 0.2700% | 1,597 |
| Credit loss provision to net charge-offs | 2,955.7864% | 108 |
| Earnings coverage of net charge-offs (x) | 3.5134% | 3,874 |
| Efficiency ratio | 79.0331% | 2,060 |
| Assets per employee ($millions) | 6.0941% | 1,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6056% | 12 |
| Loan loss allowance to noncurrent loans | 86.8807% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 9.2663% | 93 |
| Noncurrent loans to loans | 11.0561% | 57 |
| Net loans and leases to total assets | 69.1975% | 2,363 |
| Net loans and leases to deposits | 80.5796% | 2,659 |
| Net loans and leases to core deposits | 106.6395% | 975 |
| Total domestic deposits to total assets | 85.8747% | 2,906 |
| Equity capital to assets | 7.2425% | 6,294 |
| Core capital (leverage) ratio | 6.8027% | 6,337 |
| Tier 1 risk-based capital ratio | 8.8396% | 6,418 |
| Total risk-based capital ratio | 10.1970% | 6,405 |
| Memoranda: | ||
| Average total assets | $168,391,000 | 3,363 |
| Average earning assets | $152,258,200 | 3,404 |
| Average equity | $16,540,200 | 3,599 |
| Average total loans | $124,811,400 | 2,959 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2989% | 2,638 |
| Cost of funding earning assets | 0.8703% | 485 |
| Net interest margin | 3.4286% | 4,113 |
| Noninterest income to average assets | 0.3622% | 4,535 |
| Noninterest expense to average assets | 2.3776% | 4,887 |
| Loan and lease loss provision to assets | 6.5857% | 4 |
| Net operating income to assets | -3.6688% | 6,567 |
| Return on assets (ROA) | -3.6672% | 6,567 |
| Pretax return on assets | -5.4693% | 6,579 |
| Return on Equity (ROE) | -35.0956% | 6,548 |
| Retained earnings to average equity (ytd only) | -35.0956% | 6,544 |
| Net charge-offs to loans | 0.2570% | 1,508 |
| Credit loss provision to net charge-offs | 3,485.4167% | 105 |
| Earnings coverage of net charge-offs (x) | 5.8959% | 3,176 |
| Efficiency ratio | 68.0947% | 3,839 |
| Assets per employee ($millions) | 6.2721% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.5228% | 27 |
| Loan loss allowance to noncurrent loans | 52.4519% | 5,057 |
| Noncurrent assets plus other real estate owned to assets | 12.4425% | 59 |
| Noncurrent loans to loans | 14.3423% | 41 |
| Net loans and leases to total assets | 76.9456% | 1,099 |
| Net loans and leases to deposits | 96.7904% | 818 |
| Net loans and leases to core deposits | 105.3472% | 997 |
| Total domestic deposits to total assets | 79.4971% | 5,223 |
| Equity capital to assets | 8.2942% | 5,948 |
| Core capital (leverage) ratio | 6.0157% | 6,480 |
| Tier 1 risk-based capital ratio | 7.0747% | 6,535 |
| Total risk-based capital ratio | 8.4097% | 6,532 |
| Memoranda: | ||
| Average total assets | $169,353,250 | 3,375 |
| Average earning assets | $154,578,000 | 3,391 |
| Average equity | $17,696,000 | 3,452 |
| Average total loans | $124,524,750 | 2,982 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2688% | 2,706 |
| Cost of funding earning assets | 0.8707% | 502 |
| Net interest margin | 3.3981% | 4,182 |
| Noninterest income to average assets | 0.4192% | 4,103 |
| Noninterest expense to average assets | 2.4481% | 4,744 |
| Loan and lease loss provision to assets | 0.0709% | 2,857 |
| Net operating income to assets | 0.6779% | 3,955 |
| Return on assets (ROA) | 0.6779% | 4,057 |
| Pretax return on assets | 1.0203% | 3,394 |
| Return on Equity (ROE) | 6.0700% | 4,117 |
| Retained earnings to average equity (ytd only) | 6.0700% | 2,278 |
| Net charge-offs to loans | 0.2268% | 1,680 |
| Credit loss provision to net charge-offs | 44.4444% | 2,870 |
| Earnings coverage of net charge-offs (x) | 6.8444% | 2,715 |
| Efficiency ratio | 69.1692% | 3,808 |
| Assets per employee ($millions) | 6.3242% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 1,393 |
| Loan loss allowance to noncurrent loans | 103.8511% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.6082% | 2,039 |
| Noncurrent loans to loans | 1.9084% | 1,793 |
| Net loans and leases to total assets | 69.5150% | 2,152 |
| Net loans and leases to deposits | 88.2232% | 1,569 |
| Net loans and leases to core deposits | 92.9478% | 1,870 |
| Total domestic deposits to total assets | 78.7945% | 5,502 |
| Equity capital to assets | 11.2666% | 2,644 |
| Core capital (leverage) ratio | 10.8716% | 2,558 |
| Tier 1 risk-based capital ratio | 13.4273% | 4,632 |
| Total risk-based capital ratio | 14.6972% | 4,558 |
| Memoranda: | ||
| Average total assets | $169,355,330 | 3,387 |
| Average earning assets | $155,498,670 | 3,386 |
| Average equity | $18,912,670 | 3,297 |
| Average total loans | $119,064,670 | 3,081 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3309% | 2,404 |
| Cost of funding earning assets | 0.8967% | 464 |
| Net interest margin | 3.4342% | 3,963 |
| Noninterest income to average assets | 0.4554% | 3,742 |
| Noninterest expense to average assets | 2.5496% | 4,449 |
| Loan and lease loss provision to assets | 0.0593% | 2,920 |
| Net operating income to assets | 0.6688% | 3,847 |
| Return on assets (ROA) | 0.6688% | 3,935 |
| Pretax return on assets | 0.9985% | 3,324 |
| Return on Equity (ROE) | 6.0160% | 4,012 |
| Retained earnings to average equity (ytd only) | 6.0160% | 2,533 |
| Net charge-offs to loans | 0.2338% | 1,389 |
| Credit loss provision to net charge-offs | 36.2319% | 2,341 |
| Earnings coverage of net charge-offs (x) | 6.4638% | 2,218 |
| Efficiency ratio | 70.6772% | 3,710 |
| Assets per employee ($millions) | 5.5776% | 1,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0820% | 1,365 |
| Loan loss allowance to noncurrent loans | 84.3511% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 1.7224% | 2,047 |
| Noncurrent loans to loans | 2.4683% | 1,407 |
| Net loans and leases to total assets | 68.3279% | 2,171 |
| Net loans and leases to deposits | 84.3224% | 1,790 |
| Net loans and leases to core deposits | 87.2662% | 2,169 |
| Total domestic deposits to total assets | 81.0318% | 5,226 |
| Equity capital to assets | 11.2970% | 2,431 |
| Core capital (leverage) ratio | 10.4969% | 2,938 |
| Tier 1 risk-based capital ratio | 13.6665% | 4,564 |
| Total risk-based capital ratio | 14.9382% | 4,503 |
| Memoranda: | ||
| Average total assets | $168,656,500 | 3,430 |
| Average earning assets | $154,794,500 | 3,421 |
| Average equity | $18,750,000 | 3,317 |
| Average total loans | $118,047,500 | 3,115 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1556% | 3,520 |
| Cost of funding earning assets | 0.9897% | 470 |
| Net interest margin | 3.1659% | 5,105 |
| Noninterest income to average assets | 0.5402% | 3,476 |
| Noninterest expense to average assets | 2.5032% | 4,755 |
| Loan and lease loss provision to assets | 0.2680% | 1,316 |
| Net operating income to assets | 0.5088% | 4,698 |
| Return on assets (ROA) | 0.5088% | 4,827 |
| Pretax return on assets | 0.6721% | 4,627 |
| Return on Equity (ROE) | 4.7214% | 4,764 |
| Retained earnings to average equity (ytd only) | 2.6736% | 4,339 |
| Net charge-offs to loans | 0.4458% | 1,488 |
| Credit loss provision to net charge-offs | 85.7955% | 2,879 |
| Earnings coverage of net charge-offs (x) | 3.0095% | 3,989 |
| Efficiency ratio | 72.6976% | 3,351 |
| Assets per employee ($millions) | 5.6662% | 1,497 |
| Cash dividends to net income (ytd only)* | 43.3721% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0740% | 1,386 |
| Loan loss allowance to noncurrent loans | 89.6414% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.8190% | 2,020 |
| Noncurrent loans to loans | 2.3137% | 1,662 |
| Net loans and leases to total assets | 68.7457% | 2,216 |
| Net loans and leases to deposits | 86.3294% | 1,642 |
| Net loans and leases to core deposits | 89.6357% | 2,068 |
| Total domestic deposits to total assets | 79.6319% | 5,523 |
| Equity capital to assets | 10.9403% | 2,667 |
| Core capital (leverage) ratio | 10.2852% | 3,170 |
| Tier 1 risk-based capital ratio | 13.2188% | 4,838 |
| Total risk-based capital ratio | 14.4879% | 4,771 |
| Memoranda: | ||
| Average total assets | $169,020,800 | 3,422 |
| Average earning assets | $154,995,400 | 3,418 |
| Average equity | $18,214,800 | 3,386 |
| Average total loans | $118,429,600 | 3,068 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 3,529 |
| Cost of funding earning assets | 1.0044% | 480 |
| Net interest margin | 3.1552% | 5,132 |
| Noninterest income to average assets | 0.5498% | 3,460 |
| Noninterest expense to average assets | 2.4931% | 4,745 |
| Loan and lease loss provision to assets | 0.2694% | 1,308 |
| Net operating income to assets | 0.5309% | 4,662 |
| Return on assets (ROA) | 0.5309% | 4,820 |
| Pretax return on assets | 0.6810% | 4,746 |
| Return on Equity (ROE) | 4.9449% | 4,753 |
| Retained earnings to average equity (ytd only) | 2.2002% | 5,002 |
| Net charge-offs to loans | 0.4410% | 1,459 |
| Credit loss provision to net charge-offs | 87.2123% | 2,687 |
| Earnings coverage of net charge-offs (x) | 3.0767% | 3,811 |
| Efficiency ratio | 72.4019% | 3,333 |
| Assets per employee ($millions) | 5.3782% | 1,759 |
| Cash dividends to net income (ytd only)* | 55.5057% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0945% | 1,514 |
| Loan loss allowance to noncurrent loans | 46.9484% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 3.3319% | 1,053 |
| Noncurrent loans to loans | 4.4613% | 730 |
| Net loans and leases to total assets | 70.0917% | 1,950 |
| Net loans and leases to deposits | 87.7689% | 1,392 |
| Net loans and leases to core deposits | 91.0011% | 1,869 |
| Total domestic deposits to total assets | 79.8594% | 5,543 |
| Equity capital to assets | 11.0297% | 2,731 |
| Core capital (leverage) ratio | 10.0705% | 3,569 |
| Tier 1 risk-based capital ratio | 13.0395% | 5,096 |
| Total risk-based capital ratio | 14.3053% | 5,040 |
| Memoranda: | ||
| Average total assets | $168,779,500 | 3,471 |
| Average earning assets | $154,788,250 | 3,459 |
| Average equity | $18,119,250 | 3,437 |
| Average total loans | $118,203,750 | 3,093 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1690% | 3,480 |
| Cost of funding earning assets | 1.0101% | 520 |
| Net interest margin | 3.1589% | 5,090 |
| Noninterest income to average assets | 0.5405% | 3,564 |
| Noninterest expense to average assets | 2.4630% | 4,861 |
| Loan and lease loss provision to assets | 0.2278% | 1,653 |
| Net operating income to assets | 0.5724% | 4,434 |
| Return on assets (ROA) | 0.5724% | 4,607 |
| Pretax return on assets | 0.7471% | 4,520 |
| Return on Equity (ROE) | 5.3801% | 4,528 |
| Retained earnings to average equity (ytd only) | 1.2424% | 5,401 |
| Net charge-offs to loans | 0.3056% | 1,962 |
| Credit loss provision to net charge-offs | 107.2222% | 2,067 |
| Earnings coverage of net charge-offs (x) | 4.5889% | 3,091 |
| Efficiency ratio | 71.6444% | 3,527 |
| Assets per employee ($millions) | 5.4448% | 1,634 |
| Cash dividends to net income (ytd only)* | 76.9072% | 990 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1626% | 1,503 |
| Loan loss allowance to noncurrent loans | 49.2790% | 5,241 |
| Noncurrent assets plus other real estate owned to assets | 3.6169% | 1,042 |
| Noncurrent loans to loans | 4.3885% | 812 |
| Net loans and leases to total assets | 68.6952% | 2,107 |
| Net loans and leases to deposits | 87.1038% | 1,450 |
| Net loans and leases to core deposits | 89.8197% | 1,924 |
| Total domestic deposits to total assets | 78.8659% | 5,823 |
| Equity capital to assets | 10.7596% | 2,988 |
| Core capital (leverage) ratio | 9.9450% | 3,594 |
| Tier 1 risk-based capital ratio | 12.9479% | 5,180 |
| Total risk-based capital ratio | 14.2115% | 5,105 |
| Memoranda: | ||
| Average total assets | $169,465,000 | 3,471 |
| Average earning assets | $155,432,670 | 3,473 |
| Average equity | $18,029,330 | 3,479 |
| Average total loans | $117,818,670 | 3,112 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2417% | 3,142 |
| Cost of funding earning assets | 1.0187% | 556 |
| Net interest margin | 3.2230% | 4,837 |
| Noninterest income to average assets | 0.4594% | 4,057 |
| Noninterest expense to average assets | 2.4852% | 4,807 |
| Loan and lease loss provision to assets | 0.3392% | 984 |
| Net operating income to assets | 0.4947% | 4,692 |
| Return on assets (ROA) | 0.4947% | 4,845 |
| Pretax return on assets | 0.5936% | 4,970 |
| Return on Equity (ROE) | 4.6761% | 4,753 |
| Retained earnings to average equity (ytd only) | -3.6296% | 6,245 |
| Net charge-offs to loans | 0.4903% | 1,224 |
| Credit loss provision to net charge-offs | 100.0000% | 1,815 |
| Earnings coverage of net charge-offs (x) | 2.7500% | 2,954 |
| Efficiency ratio | 72.7085% | 3,481 |
| Assets per employee ($millions) | 5.4958% | 1,676 |
| Cash dividends to net income (ytd only)* | 177.6190% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1717% | 1,647 |
| Loan loss allowance to noncurrent loans | 44.8233% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 3.8017% | 1,085 |
| Noncurrent loans to loans | 4.8451% | 801 |
| Net loans and leases to total assets | 67.4225% | 2,118 |
| Net loans and leases to deposits | 83.1664% | 1,685 |
| Net loans and leases to core deposits | 85.6513% | 2,142 |
| Total domestic deposits to total assets | 81.0693% | 5,476 |
| Equity capital to assets | 10.5001% | 3,534 |
| Core capital (leverage) ratio | 9.7010% | 3,789 |
| Tier 1 risk-based capital ratio | 12.8423% | 5,345 |
| Total risk-based capital ratio | 14.1056% | 5,278 |
| Memoranda: | ||
| Average total assets | $169,803,000 | 3,495 |
| Average earning assets | $155,881,500 | 3,502 |
| Average equity | $17,963,500 | 3,528 |
| Average total loans | $117,471,500 | 3,137 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 2,574 |
| Cost of funding earning assets | 1.1580% | 709 |
| Net interest margin | 3.5470% | 4,312 |
| Noninterest income to average assets | 0.4043% | 4,571 |
| Noninterest expense to average assets | 2.4340% | 5,305 |
| Loan and lease loss provision to assets | 0.3540% | 1,888 |
| Net operating income to assets | 0.6687% | 3,895 |
| Return on assets (ROA) | 0.6697% | 4,155 |
| Pretax return on assets | 0.8275% | 4,191 |
| Return on Equity (ROE) | 6.2893% | 4,022 |
| Retained earnings to average equity (ytd only) | 0.1055% | 5,782 |
| Net charge-offs to loans | 0.5169% | 2,177 |
| Credit loss provision to net charge-offs | 95.9936% | 3,233 |
| Earnings coverage of net charge-offs (x) | 3.2003% | 3,831 |
| Efficiency ratio | 67.3426% | 4,261 |
| Assets per employee ($millions) | 5.4593% | 1,722 |
| Cash dividends to net income (ytd only)* | 98.3230% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1697% | 1,603 |
| Loan loss allowance to noncurrent loans | 51.1022% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 3.4230% | 1,331 |
| Noncurrent loans to loans | 4.2459% | 1,050 |
| Net loans and leases to total assets | 67.9379% | 2,190 |
| Net loans and leases to deposits | 84.9710% | 1,643 |
| Net loans and leases to core deposits | 87.5514% | 2,141 |
| Total domestic deposits to total assets | 79.9541% | 5,681 |
| Equity capital to assets | 10.6584% | 3,327 |
| Core capital (leverage) ratio | 10.1744% | 3,169 |
| Tier 1 risk-based capital ratio | 13.2638% | 4,926 |
| Total risk-based capital ratio | 14.5267% | 4,861 |
| Memoranda: | ||
| Average total assets | $169,186,600 | 3,471 |
| Average earning assets | $153,114,600 | 3,496 |
| Average equity | $18,014,800 | 3,462 |
| Average total loans | $120,730,800 | 3,055 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 2,432 |
| Cost of funding earning assets | 1.1861% | 735 |
| Net interest margin | 3.6021% | 4,226 |
| Noninterest income to average assets | 0.2987% | 5,387 |
| Noninterest expense to average assets | 2.4385% | 5,278 |
| Loan and lease loss provision to assets | 0.3799% | 1,702 |
| Net operating income to assets | 0.5990% | 4,403 |
| Return on assets (ROA) | 0.5990% | 4,664 |
| Pretax return on assets | 0.7306% | 4,745 |
| Return on Equity (ROE) | 5.6267% | 4,518 |
| Retained earnings to average equity (ytd only) | -0.2739% | 6,137 |
| Net charge-offs to loans | 0.5562% | 1,940 |
| Credit loss provision to net charge-offs | 95.0690% | 3,143 |
| Earnings coverage of net charge-offs (x) | 2.7791% | 3,928 |
| Efficiency ratio | 68.7097% | 3,927 |
| Assets per employee ($millions) | 5.3794% | 1,751 |
| Cash dividends to net income (ytd only)* | 104.8682% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1313% | 1,845 |
| Loan loss allowance to noncurrent loans | 55.0162% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 3.2154% | 1,601 |
| Noncurrent loans to loans | 3.8739% | 1,340 |
| Net loans and leases to total assets | 70.2185% | 1,871 |
| Net loans and leases to deposits | 89.1081% | 1,246 |
| Net loans and leases to core deposits | 95.0686% | 1,482 |
| Total domestic deposits to total assets | 78.8014% | 5,919 |
| Equity capital to assets | 10.7969% | 3,504 |
| Core capital (leverage) ratio | 10.1212% | 3,371 |
| Tier 1 risk-based capital ratio | 12.9311% | 5,307 |
| Total risk-based capital ratio | 14.1945% | 5,263 |
| Memoranda: | ||
| Average total assets | $169,174,000 | 3,504 |
| Average earning assets | $152,647,250 | 3,537 |
| Average equity | $18,009,000 | 3,501 |
| Average total loans | $121,532,000 | 3,085 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7834% | 2,571 |
| Cost of funding earning assets | 1.2040% | 799 |
| Net interest margin | 3.5794% | 4,348 |
| Noninterest income to average assets | 0.2859% | 5,523 |
| Noninterest expense to average assets | 2.4921% | 5,165 |
| Loan and lease loss provision to assets | 0.3624% | 1,824 |
| Net operating income to assets | 0.5212% | 4,713 |
| Return on assets (ROA) | 0.5212% | 4,987 |
| Pretax return on assets | 0.6495% | 4,969 |
| Return on Equity (ROE) | 4.9194% | 4,843 |
| Retained earnings to average equity (ytd only) | -1.4880% | 6,286 |
| Net charge-offs to loans | 0.2587% | 3,025 |
| Credit loss provision to net charge-offs | 194.9367% | 1,454 |
| Earnings coverage of net charge-offs (x) | 5.4430% | 2,835 |
| Efficiency ratio | 71.1216% | 3,580 |
| Assets per employee ($millions) | 5.6812% | 1,458 |
| Cash dividends to net income (ytd only)* | 130.2483% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1723% | 1,841 |
| Loan loss allowance to noncurrent loans | 46.2099% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 4.0220% | 1,264 |
| Noncurrent loans to loans | 4.7010% | 1,098 |
| Net loans and leases to total assets | 72.0018% | 1,555 |
| Net loans and leases to deposits | 92.4123% | 902 |
| Net loans and leases to core deposits | 98.3120% | 1,243 |
| Total domestic deposits to total assets | 77.9137% | 6,171 |
| Equity capital to assets | 10.4907% | 3,703 |
| Core capital (leverage) ratio | 9.9246% | 3,520 |
| Tier 1 risk-based capital ratio | 12.4465% | 5,606 |
| Total risk-based capital ratio | 13.7105% | 5,577 |
| Memoranda: | ||
| Average total assets | $169,978,330 | 3,498 |
| Average earning assets | $152,819,330 | 3,553 |
| Average equity | $18,010,330 | 3,494 |
| Average total loans | $122,160,330 | 3,087 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 2,499 |
| Cost of funding earning assets | 1.2520% | 771 |
| Net interest margin | 3.5846% | 4,331 |
| Noninterest income to average assets | 0.3841% | 4,794 |
| Noninterest expense to average assets | 2.6085% | 4,786 |
| Loan and lease loss provision to assets | 0.4077% | 1,549 |
| Net operating income to assets | 0.5255% | 4,709 |
| Return on assets (ROA) | 0.5255% | 4,919 |
| Pretax return on assets | 0.5726% | 5,209 |
| Return on Equity (ROE) | 4.9349% | 4,816 |
| Retained earnings to average equity (ytd only) | 4.9349% | 3,597 |
| Net charge-offs to loans | 0.2423% | 2,720 |
| Credit loss provision to net charge-offs | 236.9863% | 1,192 |
| Earnings coverage of net charge-offs (x) | 5.6986% | 2,312 |
| Efficiency ratio | 72.6855% | 3,313 |
| Assets per employee ($millions) | 5.4953% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1789% | 1,924 |
| Loan loss allowance to noncurrent loans | 37.4965% | 5,769 |
| Noncurrent assets plus other real estate owned to assets | 4.7736% | 1,104 |
| Noncurrent loans to loans | 5.8111% | 887 |
| Net loans and leases to total assets | 70.4946% | 1,669 |
| Net loans and leases to deposits | 87.5005% | 1,228 |
| Net loans and leases to core deposits | 93.0750% | 1,539 |
| Total domestic deposits to total assets | 80.5647% | 5,710 |
| Equity capital to assets | 10.6801% | 3,292 |
| Core capital (leverage) ratio | 10.0206% | 3,344 |
| Tier 1 risk-based capital ratio | 12.7818% | 5,379 |
| Total risk-based capital ratio | 14.0462% | 5,348 |
| Memoranda: | ||
| Average total assets | $169,749,500 | 3,521 |
| Average earning assets | $151,761,000 | 3,580 |
| Average equity | $18,075,500 | 3,492 |
| Average total loans | $120,519,500 | 3,141 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9062% | 3,320 |
| Cost of funding earning assets | 1.5356% | 622 |
| Net interest margin | 3.3706% | 5,575 |
| Noninterest income to average assets | 0.2351% | 5,856 |
| Noninterest expense to average assets | 2.5011% | 5,460 |
| Loan and lease loss provision to assets | 0.7871% | 1,260 |
| Net operating income to assets | 0.0731% | 5,920 |
| Return on assets (ROA) | 0.0716% | 6,037 |
| Pretax return on assets | -0.0782% | 6,196 |
| Return on Equity (ROE) | 0.6720% | 6,027 |
| Retained earnings to average equity (ytd only) | 0.6720% | 5,534 |
| Net charge-offs to loans | 0.5294% | 2,884 |
| Credit loss provision to net charge-offs | 213.7763% | 1,146 |
| Earnings coverage of net charge-offs (x) | 1.9319% | 4,323 |
| Efficiency ratio | 77.8562% | 2,610 |
| Assets per employee ($millions) | 5.2858% | 1,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1772% | 1,842 |
| Loan loss allowance to noncurrent loans | 34.6475% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 5.0797% | 1,045 |
| Noncurrent loans to loans | 6.2838% | 773 |
| Net loans and leases to total assets | 68.4021% | 2,321 |
| Net loans and leases to deposits | 85.3646% | 1,752 |
| Net loans and leases to core deposits | 91.4428% | 1,945 |
| Total domestic deposits to total assets | 80.1294% | 5,707 |
| Equity capital to assets | 10.6164% | 3,402 |
| Core capital (leverage) ratio | 9.8901% | 3,469 |
| Tier 1 risk-based capital ratio | 12.7806% | 5,254 |
| Total risk-based capital ratio | 14.0430% | 5,228 |
| Memoranda: | ||
| Average total assets | $167,569,000 | 3,527 |
| Average earning assets | $148,015,600 | 3,600 |
| Average equity | $17,857,400 | 3,447 |
| Average total loans | $116,536,200 | 3,243 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 3,410 |
| Cost of funding earning assets | 1.5893% | 611 |
| Net interest margin | 3.3439% | 5,736 |
| Noninterest income to average assets | 0.2098% | 6,115 |
| Noninterest expense to average assets | 2.5027% | 5,452 |
| Loan and lease loss provision to assets | 0.7122% | 1,348 |
| Net operating income to assets | -0.0064% | 6,166 |
| Return on assets (ROA) | -0.0080% | 6,270 |
| Pretax return on assets | -0.0542% | 6,284 |
| Return on Equity (ROE) | -0.0748% | 6,272 |
| Retained earnings to average equity (ytd only) | -0.0748% | 5,977 |
| Net charge-offs to loans | 0.4777% | 2,825 |
| Credit loss provision to net charge-offs | 214.6635% | 1,343 |
| Earnings coverage of net charge-offs (x) | 1.9904% | 4,157 |
| Efficiency ratio | 79.1225% | 2,392 |
| Assets per employee ($millions) | 5.2197% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9644% | 2,435 |
| Loan loss allowance to noncurrent loans | 46.3694% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 3.7790% | 1,642 |
| Noncurrent loans to loans | 4.2364% | 1,546 |
| Net loans and leases to total assets | 70.2155% | 2,046 |
| Net loans and leases to deposits | 88.9928% | 1,322 |
| Net loans and leases to core deposits | 94.9321% | 1,711 |
| Total domestic deposits to total assets | 78.9002% | 6,010 |
| Equity capital to assets | 10.6550% | 3,512 |
| Core capital (leverage) ratio | 9.9052% | 3,563 |
| Tier 1 risk-based capital ratio | 12.7153% | 5,318 |
| Total risk-based capital ratio | 13.8432% | 5,391 |
| Memoranda: | ||
| Average total assets | $167,175,250 | 3,558 |
| Average earning assets | $147,646,750 | 3,632 |
| Average equity | $17,832,500 | 3,449 |
| Average total loans | $116,102,000 | 3,282 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8857% | 3,682 |
| Cost of funding earning assets | 1.6326% | 617 |
| Net interest margin | 3.2531% | 5,996 |
| Noninterest income to average assets | 0.2775% | 5,664 |
| Noninterest expense to average assets | 2.5403% | 5,393 |
| Loan and lease loss provision to assets | 0.3540% | 2,662 |
| Net operating income to assets | 0.1985% | 5,746 |
| Return on assets (ROA) | 0.1985% | 5,862 |
| Pretax return on assets | 0.2571% | 5,787 |
| Return on Equity (ROE) | 1.8605% | 5,839 |
| Retained earnings to average equity (ytd only) | 1.8605% | 5,053 |
| Net charge-offs to loans | 0.4403% | 2,811 |
| Credit loss provision to net charge-offs | 116.9960% | 2,626 |
| Earnings coverage of net charge-offs (x) | 2.0198% | 3,853 |
| Efficiency ratio | 80.6072% | 2,300 |
| Assets per employee ($millions) | 5.2206% | 1,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6489% | 3,501 |
| Loan loss allowance to noncurrent loans | 55.9416% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 2.8798% | 2,334 |
| Noncurrent loans to loans | 2.9476% | 2,463 |
| Net loans and leases to total assets | 68.4070% | 2,538 |
| Net loans and leases to deposits | 86.1353% | 1,776 |
| Net loans and leases to core deposits | 91.6395% | 2,177 |
| Total domestic deposits to total assets | 79.4180% | 5,972 |
| Equity capital to assets | 10.7417% | 3,240 |
| Core capital (leverage) ratio | 10.1531% | 3,087 |
| Tier 1 risk-based capital ratio | 14.4081% | 3,859 |
| Total risk-based capital ratio | 15.6742% | 3,821 |
| Memoranda: | ||
| Average total assets | $167,223,670 | 3,583 |
| Average earning assets | $147,736,330 | 3,658 |
| Average equity | $17,844,330 | 3,442 |
| Average total loans | $114,925,670 | 3,339 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 3,610 |
| Cost of funding earning assets | 1.6809% | 602 |
| Net interest margin | 3.2160% | 6,023 |
| Noninterest income to average assets | 0.3706% | 4,944 |
| Noninterest expense to average assets | 2.5725% | 5,321 |
| Loan and lease loss provision to assets | 0.4041% | 2,171 |
| Net operating income to assets | 0.1889% | 5,820 |
| Return on assets (ROA) | 0.1889% | 5,878 |
| Pretax return on assets | 0.2391% | 5,838 |
| Return on Equity (ROE) | 1.7759% | 5,878 |
| Retained earnings to average equity (ytd only) | 1.7759% | 5,054 |
| Net charge-offs to loans | 0.4515% | 2,345 |
| Credit loss provision to net charge-offs | 131.0078% | 2,112 |
| Earnings coverage of net charge-offs (x) | 2.0853% | 3,254 |
| Efficiency ratio | 80.0000% | 2,533 |
| Assets per employee ($millions) | 5.2161% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 3,395 |
| Loan loss allowance to noncurrent loans | 54.9555% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 2.8901% | 2,388 |
| Noncurrent loans to loans | 3.0655% | 2,449 |
| Net loans and leases to total assets | 66.8859% | 2,789 |
| Net loans and leases to deposits | 84.1121% | 2,009 |
| Net loans and leases to core deposits | 89.2879% | 2,442 |
| Total domestic deposits to total assets | 79.5200% | 6,054 |
| Equity capital to assets | 10.6798% | 3,008 |
| Core capital (leverage) ratio | 10.1201% | 3,004 |
| Tier 1 risk-based capital ratio | 14.5661% | 3,696 |
| Total risk-based capital ratio | 15.8267% | 3,650 |
| Memoranda: | ||
| Average total assets | $167,306,000 | 3,602 |
| Average earning assets | $148,012,000 | 3,678 |
| Average equity | $17,794,000 | 3,434 |
| Average total loans | $114,290,500 | 3,381 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 3,025 |
| Cost of funding earning assets | 2.0674% | 478 |
| Net interest margin | 3.2537% | 6,116 |
| Noninterest income to average assets | 0.4237% | 4,721 |
| Noninterest expense to average assets | 2.5665% | 5,556 |
| Loan and lease loss provision to assets | 0.5488% | 2,943 |
| Net operating income to assets | 0.1544% | 5,423 |
| Return on assets (ROA) | 0.1420% | 5,618 |
| Pretax return on assets | 0.1675% | 5,560 |
| Return on Equity (ROE) | 1.5105% | 5,556 |
| Retained earnings to average equity (ytd only) | 1.5105% | 4,777 |
| Net charge-offs to loans | 0.3846% | 4,113 |
| Credit loss provision to net charge-offs | 197.8118% | 1,599 |
| Earnings coverage of net charge-offs (x) | 2.6346% | 3,783 |
| Efficiency ratio | 77.8351% | 2,733 |
| Assets per employee ($millions) | 5.0818% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6283% | 3,474 |
| Loan loss allowance to noncurrent loans | 58.8809% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 2.3119% | 2,956 |
| Noncurrent loans to loans | 2.7655% | 2,753 |
| Net loans and leases to total assets | 67.4743% | 3,108 |
| Net loans and leases to deposits | 84.9465% | 2,291 |
| Net loans and leases to core deposits | 89.9210% | 2,777 |
| Total domestic deposits to total assets | 79.4315% | 5,987 |
| Equity capital to assets | 10.5917% | 3,073 |
| Core capital (leverage) ratio | 10.1787% | 2,890 |
| Tier 1 risk-based capital ratio | 14.5346% | 3,523 |
| Total risk-based capital ratio | 15.7930% | 3,475 |
| Memoranda: | ||
| Average total assets | $164,737,800 | 3,618 |
| Average earning assets | $145,495,200 | 3,718 |
| Average equity | $15,491,600 | 3,864 |
| Average total loans | $118,814,600 | 3,332 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3449% | 3,142 |
| Cost of funding earning assets | 2.1335% | 479 |
| Net interest margin | 3.2114% | 6,304 |
| Noninterest income to average assets | 0.3854% | 5,072 |
| Noninterest expense to average assets | 2.6154% | 5,262 |
| Loan and lease loss provision to assets | 0.5057% | 2,929 |
| Net operating income to assets | 0.1041% | 5,765 |
| Return on assets (ROA) | 0.0854% | 5,948 |
| Pretax return on assets | 0.0797% | 5,950 |
| Return on Equity (ROE) | 0.9381% | 5,906 |
| Retained earnings to average equity (ytd only) | 0.9381% | 5,429 |
| Net charge-offs to loans | 0.4153% | 3,630 |
| Credit loss provision to net charge-offs | 166.7560% | 2,235 |
| Earnings coverage of net charge-offs (x) | 1.9920% | 4,222 |
| Efficiency ratio | 81.2374% | 2,165 |
| Assets per employee ($millions) | 5.1582% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3750% | 4,599 |
| Loan loss allowance to noncurrent loans | 47.0638% | 5,153 |
| Noncurrent assets plus other real estate owned to assets | 2.4567% | 2,909 |
| Noncurrent loans to loans | 2.9215% | 2,732 |
| Net loans and leases to total assets | 72.7882% | 2,055 |
| Net loans and leases to deposits | 94.3824% | 1,161 |
| Net loans and leases to core deposits | 101.7101% | 1,685 |
| Total domestic deposits to total assets | 77.1206% | 6,453 |
| Equity capital to assets | 10.7118% | 3,279 |
| Core capital (leverage) ratio | 10.1045% | 3,143 |
| Tier 1 risk-based capital ratio | 13.9698% | 3,862 |
| Total risk-based capital ratio | 15.2264% | 3,825 |
| Memoranda: | ||
| Average total assets | $163,997,750 | 3,679 |
| Average earning assets | $144,731,750 | 3,771 |
| Average equity | $14,924,000 | 4,004 |
| Average total loans | $119,761,750 | 3,372 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3676% | 3,119 |
| Cost of funding earning assets | 2.1606% | 528 |
| Net interest margin | 3.2070% | 6,297 |
| Noninterest income to average assets | 0.2823% | 5,885 |
| Noninterest expense to average assets | 2.6937% | 4,935 |
| Loan and lease loss provision to assets | 0.5280% | 2,678 |
| Net operating income to assets | -0.0294% | 6,117 |
| Return on assets (ROA) | -0.0318% | 6,209 |
| Pretax return on assets | -0.1149% | 6,262 |
| Return on Equity (ROE) | -0.3713% | 6,230 |
| Retained earnings to average equity (ytd only) | -0.3713% | 5,812 |
| Net charge-offs to loans | 0.4283% | 3,279 |
| Credit loss provision to net charge-offs | 169.4118% | 2,311 |
| Earnings coverage of net charge-offs (x) | 1.3373% | 4,490 |
| Efficiency ratio | 86.6012% | 1,641 |
| Assets per employee ($millions) | 5.2152% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 4,925 |
| Loan loss allowance to noncurrent loans | 67.6371% | 3,957 |
| Noncurrent assets plus other real estate owned to assets | 1.8240% | 3,728 |
| Noncurrent loans to loans | 1.9204% | 3,839 |
| Net loans and leases to total assets | 72.9877% | 2,173 |
| Net loans and leases to deposits | 94.6235% | 1,199 |
| Net loans and leases to core deposits | 102.2265% | 1,807 |
| Total domestic deposits to total assets | 77.1348% | 6,472 |
| Equity capital to assets | 10.5263% | 3,377 |
| Core capital (leverage) ratio | 9.9813% | 3,182 |
| Tier 1 risk-based capital ratio | 13.6593% | 3,966 |
| Total risk-based capital ratio | 14.9141% | 3,926 |
| Memoranda: | ||
| Average total assets | $163,643,330 | 3,711 |
| Average earning assets | $144,309,670 | 3,812 |
| Average equity | $14,005,000 | 4,197 |
| Average total loans | $119,075,670 | 3,419 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4105% | 2,990 |
| Cost of funding earning assets | 2.1990% | 595 |
| Net interest margin | 3.2115% | 6,262 |
| Noninterest income to average assets | 0.3679% | 5,197 |
| Noninterest expense to average assets | 2.6737% | 5,039 |
| Loan and lease loss provision to assets | 0.5333% | 2,371 |
| Net operating income to assets | 0.0222% | 6,230 |
| Return on assets (ROA) | 0.0222% | 6,348 |
| Pretax return on assets | -0.0123% | 6,373 |
| Return on Equity (ROE) | 0.2945% | 6,333 |
| Retained earnings to average equity (ytd only) | 0.2945% | 5,717 |
| Net charge-offs to loans | 0.2566% | 3,399 |
| Credit loss provision to net charge-offs | 288.0000% | 1,369 |
| Earnings coverage of net charge-offs (x) | 2.8133% | 3,141 |
| Efficiency ratio | 83.6940% | 2,050 |
| Assets per employee ($millions) | 5.3696% | 1,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 5,099 |
| Loan loss allowance to noncurrent loans | 81.5721% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 1.5343% | 4,204 |
| Noncurrent loans to loans | 1.5555% | 4,411 |
| Net loans and leases to total assets | 73.2491% | 2,143 |
| Net loans and leases to deposits | 90.0949% | 1,886 |
| Net loans and leases to core deposits | 96.9329% | 2,467 |
| Total domestic deposits to total assets | 81.3022% | 5,346 |
| Equity capital to assets | 7.3430% | 7,184 |
| Core capital (leverage) ratio | 7.0494% | 7,219 |
| Tier 1 risk-based capital ratio | 9.2126% | 7,420 |
| Total risk-based capital ratio | 10.4741% | 7,418 |
| Memoranda: | ||
| Average total assets | $162,021,500 | 3,800 |
| Average earning assets | $142,611,000 | 3,901 |
| Average equity | $12,224,000 | 4,653 |
| Average total loans | $116,908,500 | 3,521 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5832% | 3,691 |
| Cost of funding earning assets | 2.6918% | 605 |
| Net interest margin | 2.8914% | 6,881 |
| Noninterest income to average assets | 0.5797% | 3,789 |
| Noninterest expense to average assets | 2.6467% | 5,609 |
| Loan and lease loss provision to assets | 0.7180% | 2,958 |
| Net operating income to assets | -0.1302% | 5,724 |
| Return on assets (ROA) | -0.1490% | 5,762 |
| Pretax return on assets | -0.2485% | 5,764 |
| Return on Equity (ROE) | -1.9341% | 5,849 |
| Retained earnings to average equity (ytd only) | -1.9341% | 5,503 |
| Net charge-offs to loans | 0.6279% | 3,321 |
| Credit loss provision to net charge-offs | 159.0846% | 2,816 |
| Earnings coverage of net charge-offs (x) | 1.1054% | 5,004 |
| Efficiency ratio | 84.1393% | 2,331 |
| Assets per employee ($millions) | 5.0834% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2926% | 4,808 |
| Loan loss allowance to noncurrent loans | 61.4390% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.7470% | 3,747 |
| Noncurrent loans to loans | 2.1039% | 3,512 |
| Net loans and leases to total assets | 69.1024% | 3,461 |
| Net loans and leases to deposits | 87.2235% | 2,697 |
| Net loans and leases to core deposits | 107.2688% | 3,182 |
| Total domestic deposits to total assets | 79.2245% | 5,925 |
| Equity capital to assets | 7.7577% | 6,811 |
| Core capital (leverage) ratio | 7.1729% | 7,091 |
| Tier 1 risk-based capital ratio | 10.2941% | 6,595 |
| Total risk-based capital ratio | 11.5609% | 6,552 |
| Memoranda: | ||
| Average total assets | $159,745,200 | 3,779 |
| Average earning assets | $141,763,400 | 3,864 |
| Average equity | $12,305,600 | 4,683 |
| Average total loans | $114,823,800 | 3,586 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5901% | 3,927 |
| Cost of funding earning assets | 2.7936% | 605 |
| Net interest margin | 2.7964% | 7,068 |
| Noninterest income to average assets | 0.5773% | 3,875 |
| Noninterest expense to average assets | 2.6735% | 5,442 |
| Loan and lease loss provision to assets | 0.8718% | 2,202 |
| Net operating income to assets | -0.3106% | 6,215 |
| Return on assets (ROA) | -0.3327% | 6,256 |
| Pretax return on assets | -0.5141% | 6,312 |
| Return on Equity (ROE) | -4.3269% | 6,377 |
| Retained earnings to average equity (ytd only) | -4.3269% | 6,159 |
| Net charge-offs to loans | 0.8889% | 2,184 |
| Credit loss provision to net charge-offs | 135.5757% | 3,662 |
| Earnings coverage of net charge-offs (x) | 0.6093% | 5,419 |
| Efficiency ratio | 87.2185% | 1,942 |
| Assets per employee ($millions) | 5.4194% | 1,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 5,450 |
| Loan loss allowance to noncurrent loans | 48.1132% | 5,107 |
| Noncurrent assets plus other real estate owned to assets | 1.8007% | 3,659 |
| Noncurrent loans to loans | 2.3767% | 3,170 |
| Net loans and leases to total assets | 70.1344% | 3,479 |
| Net loans and leases to deposits | 89.7372% | 2,624 |
| Net loans and leases to core deposits | 109.6656% | 3,273 |
| Total domestic deposits to total assets | 78.1553% | 6,036 |
| Equity capital to assets | 7.6881% | 7,161 |
| Core capital (leverage) ratio | 6.9175% | 7,481 |
| Tier 1 risk-based capital ratio | 10.2187% | 6,764 |
| Total risk-based capital ratio | 11.4074% | 6,763 |
| Memoranda: | ||
| Average total assets | $160,285,250 | 3,791 |
| Average earning assets | $142,606,500 | 3,878 |
| Average equity | $12,325,750 | 4,708 |
| Average total loans | $115,949,500 | 3,595 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6353% | 3,885 |
| Cost of funding earning assets | 2.8817% | 634 |
| Net interest margin | 2.7536% | 7,101 |
| Noninterest income to average assets | 0.7079% | 2,947 |
| Noninterest expense to average assets | 2.7348% | 5,243 |
| Loan and lease loss provision to assets | 0.3645% | 3,742 |
| Net operating income to assets | 0.0694% | 5,651 |
| Return on assets (ROA) | 0.0186% | 5,864 |
| Pretax return on assets | 0.0112% | 5,844 |
| Return on Equity (ROE) | 0.2418% | 5,850 |
| Retained earnings to average equity (ytd only) | 0.2418% | 5,116 |
| Net charge-offs to loans | 0.1601% | 4,599 |
| Credit loss provision to net charge-offs | 312.7660% | 1,488 |
| Earnings coverage of net charge-offs (x) | 3.6596% | 3,352 |
| Efficiency ratio | 86.5098% | 2,178 |
| Assets per employee ($millions) | 5.3350% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 5,923 |
| Loan loss allowance to noncurrent loans | 68.4151% | 4,015 |
| Noncurrent assets plus other real estate owned to assets | 1.2096% | 4,513 |
| Noncurrent loans to loans | 1.5313% | 4,202 |
| Net loans and leases to total assets | 70.8191% | 3,510 |
| Net loans and leases to deposits | 90.6797% | 2,721 |
| Net loans and leases to core deposits | 108.8934% | 3,505 |
| Total domestic deposits to total assets | 78.0981% | 6,049 |
| Equity capital to assets | 7.7819% | 7,002 |
| Core capital (leverage) ratio | 6.9932% | 7,546 |
| Tier 1 risk-based capital ratio | 10.5685% | 6,319 |
| Total risk-based capital ratio | 11.6727% | 6,403 |
| Memoranda: | ||
| Average total assets | $161,325,670 | 3,799 |
| Average earning assets | $143,737,000 | 3,867 |
| Average equity | $12,406,670 | 4,709 |
| Average total loans | $117,432,330 | 3,594 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6214% | 4,232 |
| Cost of funding earning assets | 2.9035% | 764 |
| Net interest margin | 2.7179% | 7,162 |
| Noninterest income to average assets | 0.3260% | 5,848 |
| Noninterest expense to average assets | 2.9216% | 4,085 |
| Loan and lease loss provision to assets | 0.1013% | 5,670 |
| Net operating income to assets | -0.1604% | 6,497 |
| Return on assets (ROA) | -0.2173% | 6,658 |
| Pretax return on assets | -0.3630% | 6,716 |
| Return on Equity (ROE) | -2.8427% | 6,758 |
| Retained earnings to average equity (ytd only) | -2.8427% | 6,248 |
| Net charge-offs to loans | 0.1380% | 3,856 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | -1.7073% | 5,451 |
| Efficiency ratio | 106.2893% | 921 |
| Assets per employee ($millions) | 5.5106% | 1,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8621% | 6,906 |
| Loan loss allowance to noncurrent loans | 43.1406% | 5,650 |
| Noncurrent assets plus other real estate owned to assets | 1.5667% | 3,579 |
| Noncurrent loans to loans | 1.9982% | 3,263 |
| Net loans and leases to total assets | 69.5645% | 3,787 |
| Net loans and leases to deposits | 90.7077% | 2,826 |
| Net loans and leases to core deposits | 108.9323% | 3,570 |
| Total domestic deposits to total assets | 76.6908% | 6,363 |
| Equity capital to assets | 7.4711% | 7,373 |
| Core capital (leverage) ratio | 7.0397% | 7,607 |
| Tier 1 risk-based capital ratio | 10.3702% | 6,525 |
| Total risk-based capital ratio | 11.2887% | 6,791 |
| Memoranda: | ||
| Average total assets | $161,963,500 | 3,796 |
| Average earning assets | $144,376,500 | 3,867 |
| Average equity | $12,382,500 | 4,729 |
| Average total loans | $118,875,500 | 3,585 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9592% | 5,759 |
| Cost of funding earning assets | 3.4392% | 625 |
| Net interest margin | 2.5200% | 7,734 |
| Noninterest income to average assets | 0.3646% | 5,799 |
| Noninterest expense to average assets | 2.7902% | 4,861 |
| Loan and lease loss provision to assets | 0.3945% | 3,331 |
| Net operating income to assets | -0.2016% | 6,623 |
| Return on assets (ROA) | -0.7249% | 6,983 |
| Pretax return on assets | -1.3877% | 7,208 |
| Return on Equity (ROE) | -8.7669% | 7,180 |
| Retained earnings to average equity (ytd only) | -8.7669% | 6,948 |
| Net charge-offs to loans | 0.2537% | 3,737 |
| Credit loss provision to net charge-offs | 205.1780% | 2,366 |
| Earnings coverage of net charge-offs (x) | -0.9126% | 6,580 |
| Efficiency ratio | 106.7111% | 794 |
| Assets per employee ($millions) | 5.2870% | 1,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8214% | 7,024 |
| Loan loss allowance to noncurrent loans | 36.3240% | 6,311 |
| Noncurrent assets plus other real estate owned to assets | 2.1594% | 2,267 |
| Noncurrent loans to loans | 2.2612% | 2,438 |
| Net loans and leases to total assets | 76.1295% | 2,586 |
| Net loans and leases to deposits | 102.4747% | 1,536 |
| Net loans and leases to core deposits | 118.1347% | 2,869 |
| Total domestic deposits to total assets | 74.2910% | 6,607 |
| Equity capital to assets | 7.8267% | 7,063 |
| Core capital (leverage) ratio | 7.1851% | 7,536 |
| Tier 1 risk-based capital ratio | 10.1518% | 6,572 |
| Total risk-based capital ratio | 11.0447% | 6,854 |
| Memoranda: | ||
| Average total assets | $160,703,200 | 3,707 |
| Average earning assets | $143,492,800 | 3,772 |
| Average equity | $13,288,600 | 4,500 |
| Average total loans | $121,778,600 | 3,424 |