Home > HBank Texas > Performance and Condition Ratios
HBank Texas, Performance and Condition Ratios
| 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 | 4.0573% | 3,493 |
| Cost of funding earning assets | 0.2822% | 4,984 |
| Net interest margin | 3.7752% | 2,710 |
| Noninterest income to average assets | 0.1226% | 6,077 |
| Noninterest expense to average assets | 2.5484% | 4,402 |
| Loan and lease loss provision to assets | 0.0207% | 4,201 |
| Net operating income to assets | 0.7680% | 3,526 |
| Return on assets (ROA) | 0.7680% | 3,632 |
| Pretax return on assets | 1.1781% | 2,744 |
| Return on Equity (ROE) | 7.0249% | 3,617 |
| Retained earnings to average equity (ytd only) | 3.7511% | 3,546 |
| 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 | 68.0080% | 3,900 |
| Assets per employee ($millions) | 8.0250% | 532 |
| Cash dividends to net income (ytd only)* | 46.6019% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0788% | 979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 44.5410% | 5,428 |
| Net loans and leases to deposits | 49.5325% | 5,606 |
| Net loans and leases to core deposits | 59.0290% | 5,197 |
| Total domestic deposits to total assets | 89.9227% | 771 |
| Equity capital to assets | 9.6771% | 4,497 |
| Core capital (leverage) ratio | 10.1329% | 3,387 |
| Tier 1 risk-based capital ratio | 22.5878% | 1,135 |
| Total risk-based capital ratio | 23.8499% | 1,123 |
| Memoranda: | ||
| Average total assets | $120,703,600 | 4,165 |
| Average earning assets | $115,888,600 | 4,054 |
| Average equity | $13,196,000 | 4,156 |
| Average total loans | $63,422,200 | 4,384 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2272% | 2,901 |
| Cost of funding earning assets | 0.2905% | 4,982 |
| Net interest margin | 3.9367% | 2,086 |
| Noninterest income to average assets | 0.1347% | 6,100 |
| Noninterest expense to average assets | 2.1797% | 5,393 |
| Loan and lease loss provision to assets | 0.0285% | 3,835 |
| Net operating income to assets | 1.1258% | 1,947 |
| Return on assets (ROA) | 1.1258% | 2,010 |
| Pretax return on assets | 1.7024% | 1,061 |
| Return on Equity (ROE) | 9.9635% | 2,238 |
| Retained earnings to average equity (ytd only) | 9.9635% | 720 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7372% | 5,681 |
| Assets per employee ($millions) | 7.1372% | 761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0669% | 1,139 |
| 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 | 50.3746% | 4,963 |
| Net loans and leases to deposits | 56.8293% | 5,186 |
| Net loans and leases to core deposits | 70.3422% | 4,293 |
| Total domestic deposits to total assets | 88.6420% | 1,430 |
| Equity capital to assets | 11.2912% | 2,666 |
| Core capital (leverage) ratio | 11.2818% | 2,232 |
| Tier 1 risk-based capital ratio | 22.6999% | 1,158 |
| Total risk-based capital ratio | 23.9609% | 1,138 |
| Memoranda: | ||
| Average total assets | $116,773,250 | 4,285 |
| Average earning assets | $112,002,250 | 4,172 |
| Average equity | $13,194,500 | 4,182 |
| Average total loans | $63,764,000 | 4,411 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,566 |
| Cost of funding earning assets | 0.2915% | 5,059 |
| Net interest margin | 4.0139% | 1,773 |
| Noninterest income to average assets | 0.1406% | 6,117 |
| Noninterest expense to average assets | 2.1969% | 5,420 |
| Loan and lease loss provision to assets | 0.0434% | 3,449 |
| Net operating income to assets | 1.1557% | 1,736 |
| Return on assets (ROA) | 1.1557% | 1,815 |
| Pretax return on assets | 1.7475% | 939 |
| Return on Equity (ROE) | 10.2257% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.2257% | 673 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0914% | 5,825 |
| Assets per employee ($millions) | 7.0432% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0479% | 1,281 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 51.5326% | 4,796 |
| Net loans and leases to deposits | 58.0533% | 5,038 |
| Net loans and leases to core deposits | 71.3987% | 4,113 |
| Total domestic deposits to total assets | 88.7676% | 1,494 |
| Equity capital to assets | 11.1798% | 2,713 |
| Core capital (leverage) ratio | 11.5173% | 1,986 |
| Tier 1 risk-based capital ratio | 21.8066% | 1,290 |
| Total risk-based capital ratio | 23.0666% | 1,262 |
| Memoranda: | ||
| Average total assets | $115,253,330 | 4,346 |
| Average earning assets | $110,466,330 | 4,232 |
| Average equity | $13,026,000 | 4,213 |
| Average total loans | $64,215,000 | 4,418 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3707% | 2,267 |
| Cost of funding earning assets | 0.2993% | 5,074 |
| Net interest margin | 4.0714% | 1,541 |
| Noninterest income to average assets | 0.1416% | 6,129 |
| Noninterest expense to average assets | 2.1307% | 5,614 |
| Loan and lease loss provision to assets | 0.0885% | 2,440 |
| Net operating income to assets | 1.2034% | 1,478 |
| Return on assets (ROA) | 1.2034% | 1,541 |
| Pretax return on assets | 1.8228% | 772 |
| Return on Equity (ROE) | 10.5870% | 1,832 |
| Retained earnings to average equity (ytd only) | 10.5870% | 823 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7145% | 6,097 |
| Assets per employee ($millions) | 6.5623% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9896% | 1,535 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 56.9627% | 4,007 |
| Net loans and leases to deposits | 64.6157% | 4,256 |
| Net loans and leases to core deposits | 81.4872% | 2,793 |
| Total domestic deposits to total assets | 88.1560% | 2,139 |
| Equity capital to assets | 11.6996% | 2,103 |
| Core capital (leverage) ratio | 11.3314% | 2,107 |
| Tier 1 risk-based capital ratio | 20.8817% | 1,492 |
| Total risk-based capital ratio | 22.1425% | 1,469 |
| Memoranda: | ||
| Average total assets | $113,013,000 | 4,427 |
| Average earning assets | $108,267,500 | 4,311 |
| Average equity | $12,846,000 | 4,263 |
| Average total loans | $64,826,500 | 4,436 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1458% | 3,557 |
| Cost of funding earning assets | 0.3217% | 5,409 |
| Net interest margin | 3.8242% | 2,553 |
| Noninterest income to average assets | 0.1570% | 6,149 |
| Noninterest expense to average assets | 2.0143% | 6,005 |
| Loan and lease loss provision to assets | 0.1670% | 2,189 |
| Net operating income to assets | 1.0690% | 2,041 |
| Return on assets (ROA) | 1.0690% | 2,122 |
| Pretax return on assets | 1.6293% | 1,100 |
| Return on Equity (ROE) | 10.3194% | 1,985 |
| Retained earnings to average equity (ytd only) | 6.8366% | 1,512 |
| Net charge-offs to loans | 0.0105% | 5,239 |
| Credit loss provision to net charge-offs | 2,857.1429% | 81 |
| Earnings coverage of net charge-offs (x) | 307.2857% | 147 |
| Efficiency ratio | 52.8600% | 6,227 |
| Assets per employee ($millions) | 6.7334% | 882 |
| Cash dividends to net income (ytd only)* | 33.7500% | 3,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 1,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.5191% | 4,383 |
| Net loans and leases to deposits | 62.4709% | 4,677 |
| Net loans and leases to core deposits | 76.9867% | 3,491 |
| Total domestic deposits to total assets | 88.8719% | 1,714 |
| Equity capital to assets | 11.0425% | 2,578 |
| Core capital (leverage) ratio | 10.4645% | 2,954 |
| Tier 1 risk-based capital ratio | 20.3803% | 1,568 |
| Total risk-based capital ratio | 21.6407% | 1,534 |
| Memoranda: | ||
| Average total assets | $119,743,200 | 4,283 |
| Average earning assets | $114,404,000 | 4,175 |
| Average equity | $12,403,800 | 4,373 |
| Average total loans | $66,696,400 | 4,391 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0841% | 3,831 |
| Cost of funding earning assets | 0.3253% | 5,503 |
| Net interest margin | 3.7587% | 2,809 |
| Noninterest income to average assets | 0.1663% | 6,189 |
| Noninterest expense to average assets | 1.8987% | 6,188 |
| Loan and lease loss provision to assets | 0.1982% | 1,832 |
| Net operating income to assets | 1.0881% | 2,052 |
| Return on assets (ROA) | 1.0881% | 2,130 |
| Pretax return on assets | 1.6575% | 1,191 |
| Return on Equity (ROE) | 10.6709% | 1,928 |
| Retained earnings to average equity (ytd only) | 10.6709% | 646 |
| Net charge-offs to loans | 0.0139% | 4,858 |
| Credit loss provision to net charge-offs | 2,571.4286% | 126 |
| Earnings coverage of net charge-offs (x) | 240.7942% | 246 |
| Efficiency ratio | 50.5720% | 6,364 |
| Assets per employee ($millions) | 7.0225% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8478% | 2,145 |
| Loan loss allowance to noncurrent loans | 2,349.0566% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0444% | 6,340 |
| Noncurrent loans to loans | 0.0787% | 6,099 |
| Net loans and leases to total assets | 55.3940% | 4,405 |
| Net loans and leases to deposits | 62.1275% | 4,749 |
| Net loans and leases to core deposits | 76.7056% | 3,539 |
| Total domestic deposits to total assets | 89.1618% | 1,470 |
| Equity capital to assets | 10.7528% | 3,010 |
| Core capital (leverage) ratio | 10.4556% | 3,053 |
| Tier 1 risk-based capital ratio | 20.3794% | 1,633 |
| Total risk-based capital ratio | 21.6387% | 1,603 |
| Memoranda: | ||
| Average total assets | $121,062,250 | 4,301 |
| Average earning assets | $115,568,500 | 4,188 |
| Average equity | $12,344,750 | 4,427 |
| Average total loans | $67,166,500 | 4,404 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0109% | 4,057 |
| Cost of funding earning assets | 0.3364% | 5,509 |
| Net interest margin | 3.6745% | 3,067 |
| Noninterest income to average assets | 0.1266% | 6,421 |
| Noninterest expense to average assets | 1.8533% | 6,288 |
| Loan and lease loss provision to assets | 0.1973% | 1,925 |
| Net operating income to assets | 1.0376% | 2,166 |
| Return on assets (ROA) | 1.0376% | 2,284 |
| Pretax return on assets | 1.5787% | 1,429 |
| Return on Equity (ROE) | 10.3607% | 2,058 |
| Retained earnings to average equity (ytd only) | 10.3607% | 769 |
| Net charge-offs to loans | 0.0209% | 4,425 |
| Credit loss provision to net charge-offs | 1,714.2857% | 186 |
| Earnings coverage of net charge-offs (x) | 154.2857% | 320 |
| Efficiency ratio | 51.0648% | 6,352 |
| Assets per employee ($millions) | 7.7137% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7081% | 2,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2244% | 5,816 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 55.2500% | 4,409 |
| Net loans and leases to deposits | 61.5047% | 4,802 |
| Net loans and leases to core deposits | 75.4128% | 3,622 |
| Total domestic deposits to total assets | 89.8306% | 1,135 |
| Equity capital to assets | 10.1054% | 3,781 |
| Core capital (leverage) ratio | 10.7865% | 2,580 |
| Tier 1 risk-based capital ratio | 19.1383% | 1,960 |
| Total risk-based capital ratio | 20.3947% | 1,924 |
| Memoranda: | ||
| Average total assets | $121,622,000 | 4,308 |
| Average earning assets | $115,935,330 | 4,203 |
| Average equity | $12,180,670 | 4,490 |
| Average total loans | $67,096,670 | 4,419 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0048% | 4,102 |
| Cost of funding earning assets | 0.3571% | 5,467 |
| Net interest margin | 3.6476% | 3,082 |
| Noninterest income to average assets | 0.1193% | 6,506 |
| Noninterest expense to average assets | 1.8124% | 6,423 |
| Loan and lease loss provision to assets | 0.1988% | 1,869 |
| Net operating income to assets | 1.0470% | 2,050 |
| Return on assets (ROA) | 1.0470% | 2,157 |
| Pretax return on assets | 1.5937% | 1,318 |
| Return on Equity (ROE) | 10.5027% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.5027% | 984 |
| Net charge-offs to loans | 0.0243% | 3,691 |
| Credit loss provision to net charge-offs | 1,500.0000% | 205 |
| Earnings coverage of net charge-offs (x) | 135.2500% | 287 |
| Efficiency ratio | 50.2757% | 6,485 |
| Assets per employee ($millions) | 8.1070% | 469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7231% | 2,910 |
| Loan loss allowance to noncurrent loans | 475.9494% | 895 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 5,972 |
| Noncurrent loans to loans | 0.3620% | 5,498 |
| Net loans and leases to total assets | 52.9065% | 4,570 |
| Net loans and leases to deposits | 58.8951% | 4,924 |
| Net loans and leases to core deposits | 73.0978% | 3,695 |
| Total domestic deposits to total assets | 89.8318% | 1,147 |
| Equity capital to assets | 10.0243% | 4,121 |
| Core capital (leverage) ratio | 10.4591% | 2,834 |
| Tier 1 risk-based capital ratio | 19.4722% | 1,915 |
| Total risk-based capital ratio | 20.7291% | 1,887 |
| Memoranda: | ||
| Average total assets | $120,723,500 | 4,383 |
| Average earning assets | $115,363,000 | 4,258 |
| Average equity | $12,035,000 | 4,568 |
| Average total loans | $65,958,000 | 4,497 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0454% | 5,164 |
| Cost of funding earning assets | 0.4609% | 5,493 |
| Net interest margin | 3.5845% | 4,162 |
| Noninterest income to average assets | 0.1253% | 6,408 |
| Noninterest expense to average assets | 2.0402% | 6,256 |
| Loan and lease loss provision to assets | 0.2148% | 2,991 |
| Net operating income to assets | 0.8313% | 3,134 |
| Return on assets (ROA) | 0.8313% | 3,386 |
| Pretax return on assets | 1.2662% | 2,536 |
| Return on Equity (ROE) | 7.9534% | 3,105 |
| Retained earnings to average equity (ytd only) | 4.2549% | 3,231 |
| Net charge-offs to loans | 0.1319% | 4,354 |
| Credit loss provision to net charge-offs | 303.7975% | 800 |
| Earnings coverage of net charge-offs (x) | 20.9494% | 1,325 |
| Efficiency ratio | 57.9416% | 5,842 |
| Assets per employee ($millions) | 7.9895% | 501 |
| Cash dividends to net income (ytd only)* | 46.5016% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6132% | 3,249 |
| Loan loss allowance to noncurrent loans | 1,786.6667% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 6,490 |
| Noncurrent loans to loans | 0.0903% | 6,261 |
| Net loans and leases to total assets | 54.5543% | 4,539 |
| Net loans and leases to deposits | 60.6141% | 4,958 |
| Net loans and leases to core deposits | 77.1880% | 3,373 |
| Total domestic deposits to total assets | 90.0027% | 949 |
| Equity capital to assets | 9.9131% | 4,288 |
| Core capital (leverage) ratio | 10.1231% | 3,243 |
| Tier 1 risk-based capital ratio | 18.7426% | 2,030 |
| Total risk-based capital ratio | 19.9975% | 1,993 |
| Memoranda: | ||
| Average total assets | $111,755,400 | 4,553 |
| Average earning assets | $105,872,800 | 4,456 |
| Average equity | $11,680,600 | 4,638 |
| Average total loans | $59,914,000 | 4,715 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0605% | 5,326 |
| Cost of funding earning assets | 0.4780% | 5,579 |
| Net interest margin | 3.5825% | 4,308 |
| Noninterest income to average assets | 0.1276% | 6,496 |
| Noninterest expense to average assets | 1.9781% | 6,385 |
| Loan and lease loss provision to assets | 0.2187% | 2,872 |
| Net operating income to assets | 0.8663% | 3,149 |
| Return on assets (ROA) | 0.8663% | 3,392 |
| Pretax return on assets | 1.3183% | 2,530 |
| Return on Equity (ROE) | 8.1735% | 3,198 |
| Retained earnings to average equity (ytd only) | 5.6974% | 2,898 |
| Net charge-offs to loans | 0.1190% | 4,183 |
| Credit loss provision to net charge-offs | 346.1538% | 774 |
| Earnings coverage of net charge-offs (x) | 24.3274% | 1,280 |
| Efficiency ratio | 56.2738% | 6,025 |
| Assets per employee ($millions) | 7.5898% | 566 |
| Cash dividends to net income (ytd only)* | 30.2943% | 2,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7473% | 2,974 |
| Loan loss allowance to noncurrent loans | 1,194.2529% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.0817% | 6,529 |
| Noncurrent loans to loans | 0.1463% | 6,241 |
| Net loans and leases to total assets | 51.3189% | 5,140 |
| Net loans and leases to deposits | 57.3328% | 5,502 |
| Net loans and leases to core deposits | 74.7085% | 3,889 |
| Total domestic deposits to total assets | 89.5105% | 1,120 |
| Equity capital to assets | 10.4201% | 3,935 |
| Core capital (leverage) ratio | 10.5650% | 2,845 |
| Tier 1 risk-based capital ratio | 20.7887% | 1,575 |
| Total risk-based capital ratio | 22.0453% | 1,539 |
| Memoranda: | ||
| Average total assets | $109,733,750 | 4,648 |
| Average earning assets | $103,760,500 | 4,547 |
| Average equity | $11,630,750 | 4,686 |
| Average total loans | $58,279,750 | 4,831 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0336% | 5,540 |
| Cost of funding earning assets | 0.4790% | 5,764 |
| Net interest margin | 3.5546% | 4,446 |
| Noninterest income to average assets | 0.1218% | 6,573 |
| Noninterest expense to average assets | 1.9878% | 6,456 |
| Loan and lease loss provision to assets | 0.2215% | 2,864 |
| Net operating income to assets | 0.8508% | 3,133 |
| Return on assets (ROA) | 0.8508% | 3,408 |
| Pretax return on assets | 1.2956% | 2,569 |
| Return on Equity (ROE) | 7.9804% | 3,271 |
| Retained earnings to average equity (ytd only) | 4.2412% | 3,788 |
| Net charge-offs to loans | 0.1797% | 3,519 |
| Credit loss provision to net charge-offs | 230.7692% | 1,236 |
| Earnings coverage of net charge-offs (x) | 15.8077% | 1,628 |
| Efficiency ratio | 56.7141% | 6,039 |
| Assets per employee ($millions) | 7.3497% | 621 |
| Cash dividends to net income (ytd only)* | 46.8547% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 3,101 |
| Loan loss allowance to noncurrent loans | 1,019.7917% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0961% | 6,563 |
| Noncurrent loans to loans | 0.1699% | 6,244 |
| Net loans and leases to total assets | 50.3533% | 5,314 |
| Net loans and leases to deposits | 56.3282% | 5,615 |
| Net loans and leases to core deposits | 72.9231% | 4,177 |
| Total domestic deposits to total assets | 89.3927% | 1,280 |
| Equity capital to assets | 10.5429% | 3,632 |
| Core capital (leverage) ratio | 10.7818% | 2,501 |
| Tier 1 risk-based capital ratio | 21.4940% | 1,388 |
| Total risk-based capital ratio | 22.7510% | 1,360 |
| Memoranda: | ||
| Average total assets | $108,362,670 | 4,707 |
| Average earning assets | $103,133,330 | 4,597 |
| Average equity | $11,553,330 | 4,701 |
| Average total loans | $57,885,000 | 4,875 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 5,513 |
| Cost of funding earning assets | 0.4756% | 5,976 |
| Net interest margin | 3.6083% | 4,228 |
| Noninterest income to average assets | 0.1192% | 6,658 |
| Noninterest expense to average assets | 2.0182% | 6,429 |
| Loan and lease loss provision to assets | 0.2234% | 2,713 |
| Net operating income to assets | 0.8490% | 3,167 |
| Return on assets (ROA) | 0.8490% | 3,405 |
| Pretax return on assets | 1.2958% | 2,554 |
| Return on Equity (ROE) | 7.9177% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.9177% | 2,017 |
| Net charge-offs to loans | 0.3551% | 2,238 |
| Credit loss provision to net charge-offs | 115.3846% | 2,043 |
| Earnings coverage of net charge-offs (x) | 7.8462% | 2,031 |
| Efficiency ratio | 57.0526% | 6,029 |
| Assets per employee ($millions) | 7.5372% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5966% | 3,730 |
| Loan loss allowance to noncurrent loans | 1,056.3218% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0858% | 6,672 |
| Noncurrent loans to loans | 0.1511% | 6,377 |
| Net loans and leases to total assets | 50.0999% | 5,287 |
| Net loans and leases to deposits | 55.9272% | 5,610 |
| Net loans and leases to core deposits | 68.6387% | 4,606 |
| Total domestic deposits to total assets | 89.5806% | 1,319 |
| Equity capital to assets | 10.2850% | 3,744 |
| Core capital (leverage) ratio | 11.1390% | 2,154 |
| Tier 1 risk-based capital ratio | 20.5464% | 1,577 |
| Total risk-based capital ratio | 21.8013% | 1,553 |
| Memoranda: | ||
| Average total assets | $107,421,500 | 4,759 |
| Average earning assets | $101,765,500 | 4,657 |
| Average equity | $11,518,500 | 4,723 |
| Average total loans | $58,582,000 | 4,876 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 5,600 |
| Cost of funding earning assets | 0.5955% | 6,110 |
| Net interest margin | 3.7557% | 4,051 |
| Noninterest income to average assets | 0.0966% | 6,655 |
| Noninterest expense to average assets | 2.2281% | 6,211 |
| Loan and lease loss provision to assets | 0.2342% | 3,861 |
| Net operating income to assets | 0.7613% | 3,213 |
| Return on assets (ROA) | 0.7613% | 3,373 |
| Pretax return on assets | 1.1614% | 2,606 |
| Return on Equity (ROE) | 7.0150% | 3,402 |
| Retained earnings to average equity (ytd only) | 5.0724% | 2,583 |
| Net charge-offs to loans | 0.2592% | 4,156 |
| Credit loss provision to net charge-offs | 160.0000% | 1,728 |
| Earnings coverage of net charge-offs (x) | 9.5333% | 1,963 |
| Efficiency ratio | 61.4867% | 5,537 |
| Assets per employee ($millions) | 6.7857% | 824 |
| Cash dividends to net income (ytd only)* | 27.6923% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 3,892 |
| Loan loss allowance to noncurrent loans | 664.9635% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 6,594 |
| Noncurrent loans to loans | 0.2299% | 6,279 |
| Net loans and leases to total assets | 57.6627% | 4,434 |
| Net loans and leases to deposits | 65.0183% | 4,870 |
| Net loans and leases to core deposits | 81.0641% | 3,310 |
| Total domestic deposits to total assets | 88.6869% | 1,729 |
| Equity capital to assets | 11.2089% | 2,785 |
| Core capital (leverage) ratio | 10.6743% | 2,550 |
| Tier 1 risk-based capital ratio | 19.4810% | 1,769 |
| Total risk-based capital ratio | 20.7346% | 1,732 |
| Memoranda: | ||
| Average total assets | $102,462,600 | 4,836 |
| Average earning assets | $96,227,800 | 4,740 |
| Average equity | $11,119,000 | 4,752 |
| Average total loans | $57,861,000 | 4,955 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3259% | 5,865 |
| Cost of funding earning assets | 0.6229% | 6,166 |
| Net interest margin | 3.7030% | 4,317 |
| Noninterest income to average assets | 0.0857% | 6,810 |
| Noninterest expense to average assets | 2.1435% | 6,420 |
| Loan and lease loss provision to assets | 0.2338% | 3,677 |
| Net operating income to assets | 0.7704% | 3,299 |
| Return on assets (ROA) | 0.7704% | 3,460 |
| Pretax return on assets | 1.1757% | 2,715 |
| Return on Equity (ROE) | 7.1575% | 3,448 |
| Retained earnings to average equity (ytd only) | 4.5503% | 3,483 |
| Net charge-offs to loans | 0.2322% | 3,977 |
| Credit loss provision to net charge-offs | 180.0000% | 1,651 |
| Earnings coverage of net charge-offs (x) | 10.8500% | 1,873 |
| Efficiency ratio | 60.3291% | 5,664 |
| Assets per employee ($millions) | 6.2275% | 1,072 |
| Cash dividends to net income (ytd only)* | 36.4245% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 4,121 |
| Loan loss allowance to noncurrent loans | 190.0844% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 5,865 |
| Noncurrent loans to loans | 0.7869% | 5,304 |
| Net loans and leases to total assets | 59.5534% | 4,219 |
| Net loans and leases to deposits | 67.1841% | 4,741 |
| Net loans and leases to core deposits | 83.0648% | 3,184 |
| Total domestic deposits to total assets | 88.6421% | 1,666 |
| Equity capital to assets | 11.2826% | 2,882 |
| Core capital (leverage) ratio | 10.9230% | 2,458 |
| Tier 1 risk-based capital ratio | 18.3728% | 2,128 |
| Total risk-based capital ratio | 19.6260% | 2,090 |
| Memoranda: | ||
| Average total assets | $102,632,000 | 4,851 |
| Average earning assets | $96,100,500 | 4,774 |
| Average equity | $11,046,500 | 4,793 |
| Average total loans | $57,425,500 | 5,021 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1931% | 6,291 |
| Cost of funding earning assets | 0.6287% | 6,320 |
| Net interest margin | 3.5644% | 4,862 |
| Noninterest income to average assets | 0.0598% | 7,006 |
| Noninterest expense to average assets | 2.1480% | 6,507 |
| Loan and lease loss provision to assets | 0.2316% | 3,589 |
| Net operating income to assets | 0.6967% | 3,561 |
| Return on assets (ROA) | 0.6967% | 3,678 |
| Pretax return on assets | 1.0615% | 3,005 |
| Return on Equity (ROE) | 6.5748% | 3,659 |
| Retained earnings to average equity (ytd only) | 2.6408% | 4,613 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4229% | 5,517 |
| Assets per employee ($millions) | 6.2961% | 1,021 |
| Cash dividends to net income (ytd only)* | 59.8338% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6587% | 3,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 7,085 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 55.3803% | 5,087 |
| Net loans and leases to deposits | 62.2256% | 5,476 |
| Net loans and leases to core deposits | 80.0267% | 3,785 |
| Total domestic deposits to total assets | 88.9992% | 1,525 |
| Equity capital to assets | 10.9403% | 3,021 |
| Core capital (leverage) ratio | 10.2484% | 2,978 |
| Tier 1 risk-based capital ratio | 18.7698% | 1,915 |
| Total risk-based capital ratio | 20.0241% | 1,877 |
| Memoranda: | ||
| Average total assets | $103,629,330 | 4,866 |
| Average earning assets | $98,305,000 | 4,747 |
| Average equity | $10,981,330 | 4,805 |
| Average total loans | $56,487,330 | 5,100 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0384% | 6,622 |
| Cost of funding earning assets | 0.6302% | 6,472 |
| Net interest margin | 3.4081% | 5,397 |
| Noninterest income to average assets | -0.0152% | 7,329 |
| Noninterest expense to average assets | 2.0899% | 6,656 |
| Loan and lease loss provision to assets | 0.2284% | 3,372 |
| Net operating income to assets | 0.5901% | 4,084 |
| Return on assets (ROA) | 0.5901% | 4,154 |
| Pretax return on assets | 0.8984% | 3,504 |
| Return on Equity (ROE) | 5.6562% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.6562% | 2,821 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9704% | 5,194 |
| Assets per employee ($millions) | 6.4361% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5526% | 3,950 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 7,157 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 54.2456% | 5,269 |
| Net loans and leases to deposits | 60.7925% | 5,644 |
| Net loans and leases to core deposits | 77.0752% | 4,155 |
| Total domestic deposits to total assets | 89.2307% | 1,634 |
| Equity capital to assets | 10.7149% | 2,969 |
| Core capital (leverage) ratio | 10.4761% | 2,639 |
| Tier 1 risk-based capital ratio | 19.0061% | 1,800 |
| Total risk-based capital ratio | 20.2594% | 1,764 |
| Memoranda: | ||
| Average total assets | $105,075,000 | 4,865 |
| Average earning assets | $99,644,000 | 4,750 |
| Average equity | $10,961,500 | 4,808 |
| Average total loans | $56,366,000 | 5,155 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1891% | 6,941 |
| Cost of funding earning assets | 0.7631% | 6,696 |
| Net interest margin | 3.4260% | 5,525 |
| Noninterest income to average assets | 0.2366% | 6,109 |
| Noninterest expense to average assets | 2.2550% | 6,466 |
| Loan and lease loss provision to assets | 0.3028% | 4,385 |
| Net operating income to assets | 0.5962% | 3,686 |
| Return on assets (ROA) | 0.5962% | 3,850 |
| Pretax return on assets | 0.9075% | 3,253 |
| Return on Equity (ROE) | 6.0744% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.0744% | 1,774 |
| Net charge-offs to loans | 0.1909% | 5,157 |
| Credit loss provision to net charge-offs | 296.2963% | 906 |
| Earnings coverage of net charge-offs (x) | 11.8426% | 1,565 |
| Efficiency ratio | 65.0737% | 5,149 |
| Assets per employee ($millions) | 7.1448% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 4,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1176% | 6,943 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 51.4771% | 5,993 |
| Net loans and leases to deposits | 57.3500% | 6,320 |
| Net loans and leases to core deposits | 72.0900% | 5,199 |
| Total domestic deposits to total assets | 89.7595% | 1,228 |
| Equity capital to assets | 10.1603% | 3,547 |
| Core capital (leverage) ratio | 9.8231% | 3,289 |
| Tier 1 risk-based capital ratio | 18.3186% | 1,904 |
| Total risk-based capital ratio | 19.5711% | 1,862 |
| Memoranda: | ||
| Average total assets | $105,675,200 | 4,827 |
| Average earning assets | $99,592,200 | 4,736 |
| Average equity | $10,371,400 | 5,016 |
| Average total loans | $56,581,400 | 5,209 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2433% | 7,038 |
| Cost of funding earning assets | 0.7825% | 6,815 |
| Net interest margin | 3.4608% | 5,452 |
| Noninterest income to average assets | 0.2507% | 6,094 |
| Noninterest expense to average assets | 2.2335% | 6,516 |
| Loan and lease loss provision to assets | 0.2532% | 4,559 |
| Net operating income to assets | 0.6711% | 3,539 |
| Return on assets (ROA) | 0.6711% | 3,702 |
| Pretax return on assets | 1.0231% | 3,100 |
| Return on Equity (ROE) | 6.8995% | 3,393 |
| Retained earnings to average equity (ytd only) | 6.8995% | 1,903 |
| Net charge-offs to loans | 0.0611% | 5,898 |
| Credit loss provision to net charge-offs | 769.2308% | 384 |
| Earnings coverage of net charge-offs (x) | 38.7646% | 700 |
| Efficiency ratio | 63.6364% | 5,312 |
| Assets per employee ($millions) | 7.0006% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3900% | 4,518 |
| Loan loss allowance to noncurrent loans | 265.4237% | 1,108 |
| Noncurrent assets plus other real estate owned to assets | 0.2634% | 6,710 |
| Noncurrent loans to loans | 0.5237% | 6,151 |
| Net loans and leases to total assets | 49.5911% | 6,365 |
| Net loans and leases to deposits | 54.9410% | 6,693 |
| Net loans and leases to core deposits | 68.9776% | 5,842 |
| Total domestic deposits to total assets | 90.2625% | 744 |
| Equity capital to assets | 9.6509% | 4,617 |
| Core capital (leverage) ratio | 10.0131% | 3,244 |
| Tier 1 risk-based capital ratio | 17.6586% | 2,126 |
| Total risk-based capital ratio | 18.9088% | 2,093 |
| Memoranda: | ||
| Average total assets | $105,301,000 | 4,902 |
| Average earning assets | $99,165,250 | 4,808 |
| Average equity | $10,242,000 | 5,125 |
| Average total loans | $56,729,250 | 5,283 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4066% | 6,886 |
| Cost of funding earning assets | 0.8059% | 6,895 |
| Net interest margin | 3.6007% | 4,809 |
| Noninterest income to average assets | 0.2173% | 6,367 |
| Noninterest expense to average assets | 2.2665% | 6,449 |
| Loan and lease loss provision to assets | 0.2329% | 4,588 |
| Net operating income to assets | 0.7161% | 3,327 |
| Return on assets (ROA) | 0.7161% | 3,480 |
| Pretax return on assets | 1.0906% | 2,808 |
| Return on Equity (ROE) | 7.3413% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.3413% | 1,699 |
| Net charge-offs to loans | 0.0176% | 6,095 |
| Credit loss provision to net charge-offs | 2,400.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 136.4000% | 249 |
| Efficiency ratio | 63.1351% | 5,493 |
| Assets per employee ($millions) | 6.3494% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 5,030 |
| Loan loss allowance to noncurrent loans | 14,480.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 7,415 |
| Noncurrent loans to loans | 0.0088% | 7,312 |
| Net loans and leases to total assets | 54.9434% | 5,851 |
| Net loans and leases to deposits | 61.1177% | 6,297 |
| Net loans and leases to core deposits | 79.0811% | 4,791 |
| Total domestic deposits to total assets | 89.8976% | 973 |
| Equity capital to assets | 10.0335% | 3,981 |
| Core capital (leverage) ratio | 9.9805% | 3,183 |
| Tier 1 risk-based capital ratio | 17.3819% | 2,140 |
| Total risk-based capital ratio | 18.6337% | 2,099 |
| Memoranda: | ||
| Average total assets | $103,064,670 | 4,989 |
| Average earning assets | $96,537,330 | 4,916 |
| Average equity | $10,052,670 | 5,180 |
| Average total loans | $56,862,330 | 5,315 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3415% | 7,077 |
| Cost of funding earning assets | 0.8133% | 7,047 |
| Net interest margin | 3.5283% | 5,043 |
| Noninterest income to average assets | 0.2119% | 6,448 |
| Noninterest expense to average assets | 2.2504% | 6,540 |
| Loan and lease loss provision to assets | 0.2312% | 4,193 |
| Net operating income to assets | 0.6821% | 3,516 |
| Return on assets (ROA) | 0.6821% | 3,634 |
| Pretax return on assets | 1.0404% | 2,931 |
| Return on Equity (ROE) | 7.0924% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.0924% | 2,097 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8950% | 5,513 |
| Assets per employee ($millions) | 6.7111% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1743% | 5,636 |
| 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 | 52.4344% | 6,225 |
| Net loans and leases to deposits | 57.8856% | 6,631 |
| Net loans and leases to core deposits | 74.2304% | 5,483 |
| Total domestic deposits to total assets | 90.5828% | 703 |
| Equity capital to assets | 9.3334% | 4,783 |
| Core capital (leverage) ratio | 9.6713% | 3,560 |
| Tier 1 risk-based capital ratio | 16.3467% | 2,509 |
| Total risk-based capital ratio | 17.4557% | 2,521 |
| Memoranda: | ||
| Average total assets | $103,802,000 | 5,038 |
| Average earning assets | $97,385,000 | 4,944 |
| Average equity | $9,982,500 | 5,240 |
| Average total loans | $57,023,000 | 5,382 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3615% | 7,512 |
| Cost of funding earning assets | 0.8990% | 7,407 |
| Net interest margin | 3.4625% | 5,117 |
| Noninterest income to average assets | 0.2521% | 6,301 |
| Noninterest expense to average assets | 2.4291% | 6,377 |
| Loan and lease loss provision to assets | 0.2221% | 5,585 |
| Net operating income to assets | 0.5595% | 3,487 |
| Return on assets (ROA) | 0.5595% | 3,569 |
| Pretax return on assets | 0.8465% | 3,095 |
| Return on Equity (ROE) | 5.9679% | 3,224 |
| Retained earnings to average equity (ytd only) | 5.9679% | 1,361 |
| Net charge-offs to loans | 0.2906% | 4,820 |
| Credit loss provision to net charge-offs | 145.8599% | 3,249 |
| Earnings coverage of net charge-offs (x) | 7.0191% | 2,241 |
| Efficiency ratio | 69.4483% | 4,738 |
| Assets per employee ($millions) | 6.2641% | 1,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0670% | 6,056 |
| Loan loss allowance to noncurrent loans | 205.0505% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.2963% | 6,705 |
| Noncurrent loans to loans | 0.5204% | 6,210 |
| Net loans and leases to total assets | 56.3377% | 5,903 |
| Net loans and leases to deposits | 62.6130% | 6,396 |
| Net loans and leases to core deposits | 96.2729% | 4,435 |
| Total domestic deposits to total assets | 89.9777% | 974 |
| Equity capital to assets | 9.9206% | 3,873 |
| Core capital (leverage) ratio | 9.4920% | 3,732 |
| Tier 1 risk-based capital ratio | 16.5758% | 2,282 |
| Total risk-based capital ratio | 17.6098% | 2,319 |
| Memoranda: | ||
| Average total assets | $103,124,800 | 5,009 |
| Average earning assets | $96,663,400 | 4,933 |
| Average equity | $9,668,400 | 5,393 |
| Average total loans | $54,020,800 | 5,501 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 7,662 |
| Cost of funding earning assets | 0.9181% | 7,529 |
| Net interest margin | 3.3997% | 5,267 |
| Noninterest income to average assets | 0.1733% | 6,975 |
| Noninterest expense to average assets | 2.4278% | 6,323 |
| Loan and lease loss provision to assets | 0.2157% | 5,261 |
| Net operating income to assets | 0.4725% | 4,110 |
| Return on assets (ROA) | 0.4725% | 4,211 |
| Pretax return on assets | 0.7151% | 3,801 |
| Return on Equity (ROE) | 5.1111% | 3,918 |
| Retained earnings to average equity (ytd only) | 5.1111% | 2,420 |
| Net charge-offs to loans | 0.2904% | 4,218 |
| Credit loss provision to net charge-offs | 144.8276% | 3,361 |
| Earnings coverage of net charge-offs (x) | 6.2501% | 2,632 |
| Efficiency ratio | 72.2859% | 4,194 |
| Assets per employee ($millions) | 6.5958% | 942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 5,942 |
| Loan loss allowance to noncurrent loans | 1,732.3529% | 226 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 4,789 |
| Noncurrent loans to loans | 0.0614% | 7,349 |
| Net loans and leases to total assets | 51.9259% | 6,603 |
| Net loans and leases to deposits | 57.3962% | 7,001 |
| Net loans and leases to core deposits | 86.7388% | 5,794 |
| Total domestic deposits to total assets | 90.4693% | 600 |
| Equity capital to assets | 9.2530% | 5,086 |
| Core capital (leverage) ratio | 9.4921% | 3,918 |
| Tier 1 risk-based capital ratio | 16.0617% | 2,602 |
| Total risk-based capital ratio | 17.0519% | 2,637 |
| Memoranda: | ||
| Average total assets | $103,849,500 | 5,023 |
| Average earning assets | $97,300,500 | 4,947 |
| Average equity | $9,599,750 | 5,458 |
| Average total loans | $53,257,500 | 5,579 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3445% | 7,756 |
| Cost of funding earning assets | 0.9426% | 7,636 |
| Net interest margin | 3.4018% | 5,159 |
| Noninterest income to average assets | 0.1627% | 7,109 |
| Noninterest expense to average assets | 2.4165% | 6,412 |
| Loan and lease loss provision to assets | 0.2556% | 4,530 |
| Net operating income to assets | 0.4434% | 4,318 |
| Return on assets (ROA) | 0.4434% | 4,427 |
| Pretax return on assets | 0.6700% | 4,100 |
| Return on Equity (ROE) | 4.7985% | 4,169 |
| Retained earnings to average equity (ytd only) | 4.7985% | 2,641 |
| Net charge-offs to loans | 0.4415% | 3,046 |
| Credit loss provision to net charge-offs | 113.7931% | 4,074 |
| Earnings coverage of net charge-offs (x) | 4.1207% | 3,210 |
| Efficiency ratio | 72.3059% | 4,345 |
| Assets per employee ($millions) | 6.2908% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0535% | 5,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1614% | 4,613 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 51.6006% | 6,730 |
| Net loans and leases to deposits | 57.1502% | 7,083 |
| Net loans and leases to core deposits | 86.9821% | 5,808 |
| Total domestic deposits to total assets | 90.2893% | 714 |
| Equity capital to assets | 9.5398% | 4,556 |
| Core capital (leverage) ratio | 9.5314% | 3,839 |
| Tier 1 risk-based capital ratio | 16.4431% | 2,463 |
| Total risk-based capital ratio | 17.4090% | 2,513 |
| Memoranda: | ||
| Average total assets | $103,288,330 | 5,071 |
| Average earning assets | $96,536,670 | 4,990 |
| Average equity | $9,544,670 | 5,502 |
| Average total loans | $52,547,330 | 5,655 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 7,805 |
| Cost of funding earning assets | 1.0019% | 7,669 |
| Net interest margin | 3.3860% | 5,188 |
| Noninterest income to average assets | 0.1377% | 7,318 |
| Noninterest expense to average assets | 2.2102% | 6,841 |
| Loan and lease loss provision to assets | 0.3671% | 3,119 |
| Net operating income to assets | 0.4780% | 4,532 |
| Return on assets (ROA) | 0.4780% | 4,718 |
| Pretax return on assets | 0.7265% | 4,333 |
| Return on Equity (ROE) | 5.2543% | 4,355 |
| Retained earnings to average equity (ytd only) | 5.2543% | 2,988 |
| Net charge-offs to loans | 0.8825% | 1,484 |
| Credit loss provision to net charge-offs | 82.7586% | 4,147 |
| Earnings coverage of net charge-offs (x) | 2.4655% | 3,510 |
| Efficiency ratio | 66.8981% | 5,164 |
| Assets per employee ($millions) | 6.6753% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,312 |
| 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 | 48.9514% | 6,951 |
| Net loans and leases to deposits | 53.8668% | 7,300 |
| Net loans and leases to core deposits | 81.2236% | 6,294 |
| Total domestic deposits to total assets | 90.8749% | 455 |
| Equity capital to assets | 8.9837% | 5,377 |
| Core capital (leverage) ratio | 9.3010% | 4,245 |
| Tier 1 risk-based capital ratio | 16.1193% | 2,646 |
| Total risk-based capital ratio | 17.0144% | 2,705 |
| Memoranda: | ||
| Average total assets | $104,606,500 | 5,054 |
| Average earning assets | $97,814,000 | 4,976 |
| Average equity | $9,516,000 | 5,530 |
| Average total loans | $52,576,000 | 5,688 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3322% | 7,563 |
| Cost of funding earning assets | 1.8259% | 6,941 |
| Net interest margin | 3.5063% | 5,276 |
| Noninterest income to average assets | 0.2249% | 6,833 |
| Noninterest expense to average assets | 2.1967% | 6,974 |
| Loan and lease loss provision to assets | 0.2010% | 4,882 |
| Net operating income to assets | 0.7408% | 3,714 |
| Return on assets (ROA) | 0.7408% | 3,550 |
| Pretax return on assets | 1.1228% | 2,941 |
| Return on Equity (ROE) | 8.6376% | 2,780 |
| Retained earnings to average equity (ytd only) | 8.6376% | 671 |
| Net charge-offs to loans | 0.3660% | 3,004 |
| Credit loss provision to net charge-offs | 116.0221% | 4,652 |
| Earnings coverage of net charge-offs (x) | 7.6409% | 3,058 |
| Efficiency ratio | 62.3980% | 5,878 |
| Assets per employee ($millions) | 6.4006% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0257% | 5,812 |
| Loan loss allowance to noncurrent loans | 131.2958% | 2,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3994% | 6,026 |
| Noncurrent loans to loans | 0.7812% | 5,084 |
| Net loans and leases to total assets | 50.5971% | 6,976 |
| Net loans and leases to deposits | 55.8482% | 7,332 |
| Net loans and leases to core deposits | 85.0726% | 6,204 |
| Total domestic deposits to total assets | 90.5975% | 452 |
| Equity capital to assets | 9.2150% | 5,056 |
| Core capital (leverage) ratio | 8.5112% | 5,561 |
| Tier 1 risk-based capital ratio | 16.2122% | 2,581 |
| Total risk-based capital ratio | 17.1600% | 2,640 |
| Memoranda: | ||
| Average total assets | $104,475,400 | 4,915 |
| Average earning assets | $98,195,800 | 4,860 |
| Average equity | $8,960,800 | 5,748 |
| Average total loans | $49,460,000 | 5,727 |