Home > Hilltop Community Bank > Performance and Condition Ratios
Hilltop Community Bank, Performance and Condition Ratios
| 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 | 4.1274% | 3,654 |
| Cost of funding earning assets | 0.3582% | 5,211 |
| Net interest margin | 3.7692% | 2,759 |
| Noninterest income to average assets | 0.2149% | 5,890 |
| Noninterest expense to average assets | 3.0761% | 2,741 |
| Loan and lease loss provision to assets | 0.0701% | 3,660 |
| Net operating income to assets | 0.4967% | 4,808 |
| Return on assets (ROA) | 0.5739% | 4,592 |
| Pretax return on assets | 0.7133% | 4,645 |
| Return on Equity (ROE) | 4.7205% | 4,864 |
| Retained earnings to average equity (ytd only) | 4.7205% | 3,292 |
| Net charge-offs to loans | -0.1128% | 6,518 |
| Credit loss provision to net charge-offs | -100.0000% | 5,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7467% | 1,858 |
| Assets per employee ($millions) | 6.6364% | 876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9517% | 1,846 |
| Loan loss allowance to noncurrent loans | 182.6283% | 2,167 |
| Noncurrent assets plus other real estate owned to assets | 0.6696% | 4,437 |
| Noncurrent loans to loans | 1.0687% | 3,663 |
| Net loans and leases to total assets | 61.4384% | 3,459 |
| Net loans and leases to deposits | 73.0917% | 3,383 |
| Net loans and leases to core deposits | 76.8054% | 3,524 |
| Total domestic deposits to total assets | 84.0565% | 4,165 |
| Equity capital to assets | 12.5736% | 1,543 |
| Core capital (leverage) ratio | 11.7187% | 1,876 |
| Tier 1 risk-based capital ratio | 16.2499% | 3,060 |
| Total risk-based capital ratio | 17.5063% | 3,025 |
| Memoranda: | ||
| Average total assets | $171,207,500 | 3,422 |
| Average earning assets | $161,162,750 | 3,350 |
| Average equity | $20,816,250 | 3,094 |
| Average total loans | $106,406,750 | 3,339 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 3,676 |
| Cost of funding earning assets | 0.3597% | 5,318 |
| Net interest margin | 3.7550% | 2,745 |
| Noninterest income to average assets | 0.1942% | 6,045 |
| Noninterest expense to average assets | 3.0768% | 2,738 |
| Loan and lease loss provision to assets | 0.1041% | 3,056 |
| Net operating income to assets | 0.4461% | 5,033 |
| Return on assets (ROA) | 0.5608% | 4,668 |
| Pretax return on assets | 0.7053% | 4,669 |
| Return on Equity (ROE) | 4.6632% | 4,916 |
| Retained earnings to average equity (ytd only) | 4.6632% | 3,290 |
| Net charge-offs to loans | 0.1716% | 2,749 |
| Credit loss provision to net charge-offs | 97.8261% | 2,289 |
| Earnings coverage of net charge-offs (x) | 6.2609% | 2,748 |
| Efficiency ratio | 82.2057% | 1,855 |
| Assets per employee ($millions) | 6.7057% | 824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7421% | 2,615 |
| Loan loss allowance to noncurrent loans | 152.5186% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 4,482 |
| Noncurrent loans to loans | 1.1422% | 3,644 |
| Net loans and leases to total assets | 59.7514% | 3,703 |
| Net loans and leases to deposits | 70.3973% | 3,667 |
| Net loans and leases to core deposits | 73.7550% | 3,848 |
| Total domestic deposits to total assets | 84.8775% | 3,954 |
| Equity capital to assets | 11.8446% | 2,010 |
| Core capital (leverage) ratio | 11.4771% | 1,950 |
| Tier 1 risk-based capital ratio | 15.7348% | 3,340 |
| Total risk-based capital ratio | 16.9891% | 3,292 |
| Memoranda: | ||
| Average total assets | $172,973,000 | 3,411 |
| Average earning assets | $163,464,000 | 3,340 |
| Average equity | $20,801,330 | 3,117 |
| Average total loans | $107,221,670 | 3,334 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 3,482 |
| Cost of funding earning assets | 0.3544% | 5,486 |
| Net interest margin | 3.8031% | 2,440 |
| Noninterest income to average assets | 0.1602% | 6,303 |
| Noninterest expense to average assets | 3.1134% | 2,633 |
| Loan and lease loss provision to assets | 0.1045% | 2,940 |
| Net operating income to assets | 0.4669% | 4,841 |
| Return on assets (ROA) | 0.4435% | 5,102 |
| Pretax return on assets | 0.5270% | 5,184 |
| Return on Equity (ROE) | 3.6596% | 5,264 |
| Retained earnings to average equity (ytd only) | 3.6596% | 4,045 |
| Net charge-offs to loans | 0.3524% | 1,588 |
| Credit loss provision to net charge-offs | 47.3684% | 2,642 |
| Earnings coverage of net charge-offs (x) | 2.9895% | 2,881 |
| Efficiency ratio | 82.5231% | 1,961 |
| Assets per employee ($millions) | 5.9871% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 3,109 |
| Loan loss allowance to noncurrent loans | 158.3627% | 2,286 |
| Noncurrent assets plus other real estate owned to assets | 0.6776% | 4,684 |
| Noncurrent loans to loans | 1.0583% | 4,025 |
| Net loans and leases to total assets | 62.9555% | 2,891 |
| Net loans and leases to deposits | 74.5462% | 2,845 |
| Net loans and leases to core deposits | 77.8333% | 3,096 |
| Total domestic deposits to total assets | 84.4517% | 4,287 |
| Equity capital to assets | 12.5025% | 1,710 |
| Core capital (leverage) ratio | 11.6772% | 1,767 |
| Tier 1 risk-based capital ratio | 15.4375% | 3,567 |
| Total risk-based capital ratio | 16.6907% | 3,525 |
| Memoranda: | ||
| Average total assets | $172,285,000 | 3,467 |
| Average earning assets | $163,654,000 | 3,378 |
| Average equity | $20,876,500 | 3,148 |
| Average total loans | $107,821,000 | 3,337 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4395% | 3,661 |
| Cost of funding earning assets | 0.4925% | 5,274 |
| Net interest margin | 3.9470% | 2,616 |
| Noninterest income to average assets | 0.1766% | 6,136 |
| Noninterest expense to average assets | 3.0728% | 3,004 |
| Loan and lease loss provision to assets | 0.1270% | 4,026 |
| Net operating income to assets | 0.5509% | 4,470 |
| Return on assets (ROA) | 0.5656% | 4,662 |
| Pretax return on assets | 0.7711% | 4,404 |
| Return on Equity (ROE) | 4.7903% | 4,789 |
| Retained earnings to average equity (ytd only) | 3.2017% | 3,972 |
| Net charge-offs to loans | 0.5897% | 1,960 |
| Credit loss provision to net charge-offs | 34.3750% | 5,035 |
| Earnings coverage of net charge-offs (x) | 2.3766% | 4,220 |
| Efficiency ratio | 77.7794% | 2,480 |
| Assets per employee ($millions) | 6.3190% | 1,092 |
| Cash dividends to net income (ytd only)* | 33.1633% | 3,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7072% | 2,908 |
| Loan loss allowance to noncurrent loans | 231.9950% | 1,619 |
| Noncurrent assets plus other real estate owned to assets | 0.4505% | 5,357 |
| Noncurrent loans to loans | 0.7359% | 4,708 |
| Net loans and leases to total assets | 60.1681% | 3,575 |
| Net loans and leases to deposits | 70.7814% | 3,593 |
| Net loans and leases to core deposits | 73.5793% | 3,836 |
| Total domestic deposits to total assets | 85.0055% | 3,862 |
| Equity capital to assets | 11.7526% | 2,222 |
| Core capital (leverage) ratio | 11.2717% | 2,038 |
| Tier 1 risk-based capital ratio | 15.3942% | 3,490 |
| Total risk-based capital ratio | 16.6482% | 3,450 |
| Memoranda: | ||
| Average total assets | $173,260,800 | 3,398 |
| Average earning assets | $165,672,200 | 3,295 |
| Average equity | $20,457,800 | 3,146 |
| Average total loans | $108,529,600 | 3,323 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5139% | 3,579 |
| Cost of funding earning assets | 0.5185% | 5,316 |
| Net interest margin | 3.9954% | 2,516 |
| Noninterest income to average assets | 0.1857% | 6,191 |
| Noninterest expense to average assets | 3.1347% | 2,785 |
| Loan and lease loss provision to assets | 0.1276% | 3,950 |
| Net operating income to assets | 0.5354% | 4,681 |
| Return on assets (ROA) | 0.5794% | 4,756 |
| Pretax return on assets | 0.7992% | 4,486 |
| Return on Equity (ROE) | 4.9016% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.9016% | 3,437 |
| Net charge-offs to loans | 0.7871% | 1,407 |
| Credit loss provision to net charge-offs | 25.7410% | 4,868 |
| Earnings coverage of net charge-offs (x) | 1.7473% | 4,399 |
| Efficiency ratio | 78.3449% | 2,348 |
| Assets per employee ($millions) | 6.0884% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6353% | 3,387 |
| Loan loss allowance to noncurrent loans | 223.0100% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 5,493 |
| Noncurrent loans to loans | 0.7333% | 4,958 |
| Net loans and leases to total assets | 63.2635% | 3,164 |
| Net loans and leases to deposits | 75.0588% | 3,136 |
| Net loans and leases to core deposits | 78.1673% | 3,432 |
| Total domestic deposits to total assets | 84.2852% | 4,085 |
| Equity capital to assets | 12.2305% | 2,087 |
| Core capital (leverage) ratio | 11.3060% | 2,132 |
| Tier 1 risk-based capital ratio | 15.2135% | 3,697 |
| Total risk-based capital ratio | 16.4663% | 3,644 |
| Memoranda: | ||
| Average total assets | $172,343,250 | 3,444 |
| Average earning assets | $164,583,500 | 3,347 |
| Average equity | $20,373,750 | 3,189 |
| Average total loans | $108,585,750 | 3,352 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5106% | 3,719 |
| Cost of funding earning assets | 0.5374% | 5,392 |
| Net interest margin | 3.9733% | 2,620 |
| Noninterest income to average assets | 0.1977% | 6,142 |
| Noninterest expense to average assets | 3.1359% | 2,802 |
| Loan and lease loss provision to assets | 0.0405% | 5,164 |
| Net operating income to assets | 0.5960% | 4,384 |
| Return on assets (ROA) | 0.5411% | 4,902 |
| Pretax return on assets | 0.7423% | 4,691 |
| Return on Equity (ROE) | 4.6302% | 4,980 |
| Retained earnings to average equity (ytd only) | 4.6302% | 3,529 |
| Net charge-offs to loans | 0.6689% | 1,648 |
| Credit loss provision to net charge-offs | 9.6685% | 4,744 |
| Earnings coverage of net charge-offs (x) | 2.0497% | 3,962 |
| Efficiency ratio | 78.5177% | 2,393 |
| Assets per employee ($millions) | 6.4141% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,829 |
| Loan loss allowance to noncurrent loans | 178.9862% | 1,893 |
| Noncurrent assets plus other real estate owned to assets | 0.6041% | 5,259 |
| Noncurrent loans to loans | 1.0102% | 4,491 |
| Net loans and leases to total assets | 58.7244% | 4,035 |
| Net loans and leases to deposits | 68.3158% | 4,148 |
| Net loans and leases to core deposits | 71.7749% | 4,321 |
| Total domestic deposits to total assets | 85.9601% | 3,373 |
| Equity capital to assets | 11.3745% | 2,712 |
| Core capital (leverage) ratio | 11.1936% | 2,129 |
| Tier 1 risk-based capital ratio | 15.1405% | 3,669 |
| Total risk-based capital ratio | 16.3946% | 3,637 |
| Memoranda: | ||
| Average total assets | $172,965,670 | 3,458 |
| Average earning assets | $165,253,670 | 3,343 |
| Average equity | $20,215,000 | 3,197 |
| Average total loans | $108,233,670 | 3,374 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6555% | 3,237 |
| Cost of funding earning assets | 0.5532% | 5,477 |
| Net interest margin | 4.1023% | 2,083 |
| Noninterest income to average assets | 0.2075% | 6,143 |
| Noninterest expense to average assets | 3.1972% | 2,609 |
| Loan and lease loss provision to assets | 0.0354% | 4,936 |
| Net operating income to assets | 0.6419% | 4,159 |
| Return on assets (ROA) | 0.5706% | 4,715 |
| Pretax return on assets | 0.7922% | 4,441 |
| Return on Equity (ROE) | 4.8139% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.8139% | 3,664 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5300% | 2,564 |
| Assets per employee ($millions) | 6.2150% | 1,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1089% | 2,082 |
| Loan loss allowance to noncurrent loans | 252.9347% | 1,334 |
| Noncurrent assets plus other real estate owned to assets | 0.5189% | 5,566 |
| Noncurrent loans to loans | 0.8338% | 5,004 |
| Net loans and leases to total assets | 60.9225% | 3,461 |
| Net loans and leases to deposits | 71.1482% | 3,564 |
| Net loans and leases to core deposits | 74.8789% | 3,764 |
| Total domestic deposits to total assets | 85.6276% | 3,727 |
| Equity capital to assets | 11.6181% | 2,334 |
| Core capital (leverage) ratio | 11.8202% | 1,698 |
| Tier 1 risk-based capital ratio | 15.2792% | 3,566 |
| Total risk-based capital ratio | 16.5373% | 3,519 |
| Memoranda: | ||
| Average total assets | $169,651,000 | 3,522 |
| Average earning assets | $161,957,500 | 3,408 |
| Average equity | $20,108,500 | 3,214 |
| Average total loans | $108,646,500 | 3,386 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0230% | 2,784 |
| Cost of funding earning assets | 0.7234% | 5,383 |
| Net interest margin | 4.2996% | 1,697 |
| Noninterest income to average assets | 0.2474% | 5,759 |
| Noninterest expense to average assets | 3.2520% | 2,684 |
| Loan and lease loss provision to assets | 0.1940% | 4,240 |
| Net operating income to assets | 0.6399% | 3,787 |
| Return on assets (ROA) | 0.5820% | 4,270 |
| Pretax return on assets | 0.8168% | 3,922 |
| Return on Equity (ROE) | 4.8292% | 4,466 |
| Retained earnings to average equity (ytd only) | 3.2663% | 3,897 |
| Net charge-offs to loans | 0.0475% | 5,834 |
| Credit loss provision to net charge-offs | 605.8824% | 367 |
| Earnings coverage of net charge-offs (x) | 34.1176% | 760 |
| Efficiency ratio | 74.8555% | 3,079 |
| Assets per employee ($millions) | 5.9029% | 1,301 |
| Cash dividends to net income (ytd only)* | 32.3625% | 3,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0818% | 2,060 |
| Loan loss allowance to noncurrent loans | 129.2141% | 2,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0624% | 4,491 |
| Noncurrent loans to loans | 1.6111% | 3,741 |
| Net loans and leases to total assets | 64.5700% | 3,065 |
| Net loans and leases to deposits | 77.8459% | 2,868 |
| Net loans and leases to core deposits | 80.4065% | 3,404 |
| Total domestic deposits to total assets | 82.9460% | 4,772 |
| Equity capital to assets | 12.1000% | 2,045 |
| Core capital (leverage) ratio | 11.8527% | 1,686 |
| Tier 1 risk-based capital ratio | 14.9865% | 3,649 |
| Total risk-based capital ratio | 16.2445% | 3,600 |
| Memoranda: | ||
| Average total assets | $159,288,400 | 3,641 |
| Average earning assets | $151,782,400 | 3,557 |
| Average equity | $19,195,800 | 3,254 |
| Average total loans | $107,444,400 | 3,439 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0471% | 2,853 |
| Cost of funding earning assets | 0.7607% | 5,397 |
| Net interest margin | 4.2865% | 1,767 |
| Noninterest income to average assets | 0.2670% | 5,704 |
| Noninterest expense to average assets | 3.3766% | 2,258 |
| Loan and lease loss provision to assets | 0.1901% | 4,127 |
| Net operating income to assets | 0.5705% | 4,217 |
| Return on assets (ROA) | 0.5230% | 4,623 |
| Pretax return on assets | 0.7208% | 4,399 |
| Return on Equity (ROE) | 4.3449% | 4,839 |
| Retained earnings to average equity (ytd only) | 4.3449% | 3,636 |
| Net charge-offs to loans | 0.0635% | 5,334 |
| Credit loss provision to net charge-offs | 441.1765% | 631 |
| Earnings coverage of net charge-offs (x) | 22.6465% | 1,146 |
| Efficiency ratio | 77.5772% | 2,597 |
| Assets per employee ($millions) | 5.5732% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0008% | 2,335 |
| Loan loss allowance to noncurrent loans | 108.8690% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 1.2861% | 4,240 |
| Noncurrent loans to loans | 1.8378% | 3,585 |
| Net loans and leases to total assets | 68.5829% | 2,359 |
| Net loans and leases to deposits | 83.8686% | 2,025 |
| Net loans and leases to core deposits | 86.8320% | 2,667 |
| Total domestic deposits to total assets | 81.7743% | 5,170 |
| Equity capital to assets | 12.6729% | 1,806 |
| Core capital (leverage) ratio | 12.0763% | 1,665 |
| Tier 1 risk-based capital ratio | 14.8953% | 3,721 |
| Total risk-based capital ratio | 16.1526% | 3,693 |
| Memoranda: | ||
| Average total assets | $157,790,250 | 3,695 |
| Average earning assets | $150,391,750 | 3,597 |
| Average equity | $18,995,000 | 3,290 |
| Average total loans | $107,057,750 | 3,484 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9892% | 3,204 |
| Cost of funding earning assets | 0.8114% | 5,294 |
| Net interest margin | 4.1777% | 2,131 |
| Noninterest income to average assets | 0.2753% | 5,680 |
| Noninterest expense to average assets | 3.4388% | 2,157 |
| Loan and lease loss provision to assets | 0.1894% | 4,025 |
| Net operating income to assets | 0.4758% | 4,614 |
| Return on assets (ROA) | 0.4369% | 4,920 |
| Pretax return on assets | 0.5809% | 4,805 |
| Return on Equity (ROE) | 3.6937% | 5,067 |
| Retained earnings to average equity (ytd only) | 3.6937% | 3,868 |
| Net charge-offs to loans | 0.0959% | 4,716 |
| Credit loss provision to net charge-offs | 294.1176% | 1,037 |
| Earnings coverage of net charge-offs (x) | 12.7647% | 1,600 |
| Efficiency ratio | 80.7054% | 2,284 |
| Assets per employee ($millions) | 5.7130% | 1,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9955% | 2,383 |
| Loan loss allowance to noncurrent loans | 87.6610% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.5047% | 3,944 |
| Noncurrent loans to loans | 2.2763% | 3,128 |
| Net loans and leases to total assets | 64.7837% | 3,298 |
| Net loans and leases to deposits | 75.2081% | 3,614 |
| Net loans and leases to core deposits | 77.6569% | 4,095 |
| Total domestic deposits to total assets | 86.1393% | 3,250 |
| Equity capital to assets | 11.9565% | 2,119 |
| Core capital (leverage) ratio | 11.5788% | 1,855 |
| Tier 1 risk-based capital ratio | 15.0953% | 3,449 |
| Total risk-based capital ratio | 16.3523% | 3,413 |
| Memoranda: | ||
| Average total assets | $158,370,670 | 3,708 |
| Average earning assets | $151,087,670 | 3,609 |
| Average equity | $18,734,670 | 3,298 |
| Average total loans | $106,341,000 | 3,536 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9925% | 3,134 |
| Cost of funding earning assets | 0.8418% | 5,322 |
| Net interest margin | 4.1507% | 2,080 |
| Noninterest income to average assets | 0.2386% | 6,001 |
| Noninterest expense to average assets | 3.5945% | 1,785 |
| Loan and lease loss provision to assets | 0.2665% | 3,012 |
| Net operating income to assets | 0.3135% | 5,342 |
| Return on assets (ROA) | 0.2488% | 5,689 |
| Pretax return on assets | 0.2742% | 5,730 |
| Return on Equity (ROE) | 2.1145% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.1145% | 4,872 |
| Net charge-offs to loans | 0.1950% | 3,334 |
| Credit loss provision to net charge-offs | 201.9231% | 1,471 |
| Earnings coverage of net charge-offs (x) | 4.6346% | 2,426 |
| Efficiency ratio | 85.4556% | 1,778 |
| Assets per employee ($millions) | 5.4502% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9298% | 2,596 |
| Loan loss allowance to noncurrent loans | 55.7085% | 4,664 |
| Noncurrent assets plus other real estate owned to assets | 2.3441% | 2,901 |
| Noncurrent loans to loans | 3.4642% | 2,155 |
| Net loans and leases to total assets | 66.3617% | 2,912 |
| Net loans and leases to deposits | 77.1820% | 3,219 |
| Net loans and leases to core deposits | 79.7245% | 3,793 |
| Total domestic deposits to total assets | 85.9808% | 3,537 |
| Equity capital to assets | 11.8010% | 2,043 |
| Core capital (leverage) ratio | 11.6973% | 1,739 |
| Tier 1 risk-based capital ratio | 14.9953% | 3,425 |
| Total risk-based capital ratio | 16.2519% | 3,383 |
| Memoranda: | ||
| Average total assets | $157,574,500 | 3,745 |
| Average earning assets | $150,625,000 | 3,627 |
| Average equity | $18,539,000 | 3,317 |
| Average total loans | $106,641,500 | 3,568 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 5,046 |
| Cost of funding earning assets | 0.9215% | 6,073 |
| Net interest margin | 3.9759% | 3,122 |
| Noninterest income to average assets | 0.2104% | 6,300 |
| Noninterest expense to average assets | 3.1064% | 3,429 |
| Loan and lease loss provision to assets | 0.2837% | 4,535 |
| Net operating income to assets | 0.4372% | 4,376 |
| Return on assets (ROA) | 0.3718% | 4,816 |
| Pretax return on assets | 0.5201% | 4,549 |
| Return on Equity (ROE) | 3.2815% | 4,832 |
| Retained earnings to average equity (ytd only) | 3.2815% | 3,574 |
| Net charge-offs to loans | 0.2870% | 4,584 |
| Credit loss provision to net charge-offs | 151.4196% | 2,379 |
| Earnings coverage of net charge-offs (x) | 4.7823% | 2,807 |
| Efficiency ratio | 77.6137% | 2,776 |
| Assets per employee ($millions) | 5.4170% | 1,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 2,591 |
| Loan loss allowance to noncurrent loans | 51.3010% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 2.4953% | 2,774 |
| Noncurrent loans to loans | 3.6866% | 2,016 |
| Net loans and leases to total assets | 66.4061% | 3,381 |
| Net loans and leases to deposits | 76.8573% | 3,716 |
| Net loans and leases to core deposits | 79.7761% | 4,243 |
| Total domestic deposits to total assets | 86.4018% | 3,137 |
| Equity capital to assets | 11.7293% | 2,101 |
| Core capital (leverage) ratio | 10.9713% | 2,182 |
| Tier 1 risk-based capital ratio | 14.7111% | 3,416 |
| Total risk-based capital ratio | 15.9669% | 3,379 |
| Memoranda: | ||
| Average total assets | $169,198,200 | 3,552 |
| Average earning assets | $161,373,400 | 3,422 |
| Average equity | $19,168,200 | 3,262 |
| Average total loans | $110,438,400 | 3,537 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8563% | 5,448 |
| Cost of funding earning assets | 0.9195% | 6,313 |
| Net interest margin | 3.9368% | 3,371 |
| Noninterest income to average assets | 0.2013% | 6,456 |
| Noninterest expense to average assets | 3.0386% | 3,613 |
| Loan and lease loss provision to assets | 0.2903% | 4,254 |
| Net operating income to assets | 0.4375% | 4,597 |
| Return on assets (ROA) | 0.3817% | 5,017 |
| Pretax return on assets | 0.5481% | 4,766 |
| Return on Equity (ROE) | 3.3963% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.3963% | 4,060 |
| Net charge-offs to loans | 0.3636% | 3,847 |
| Credit loss provision to net charge-offs | 123.3553% | 3,325 |
| Earnings coverage of net charge-offs (x) | 3.9013% | 3,261 |
| Efficiency ratio | 76.7951% | 2,800 |
| Assets per employee ($millions) | 5.8596% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7401% | 3,024 |
| Loan loss allowance to noncurrent loans | 58.6133% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 1.9267% | 3,576 |
| Noncurrent loans to loans | 2.9688% | 2,687 |
| Net loans and leases to total assets | 63.7686% | 4,168 |
| Net loans and leases to deposits | 73.1599% | 4,659 |
| Net loans and leases to core deposits | 75.9856% | 5,058 |
| Total domestic deposits to total assets | 87.1633% | 2,437 |
| Equity capital to assets | 11.0859% | 2,868 |
| Core capital (leverage) ratio | 10.4648% | 2,722 |
| Tier 1 risk-based capital ratio | 12.5639% | 4,925 |
| Total risk-based capital ratio | 13.8160% | 4,901 |
| Memoranda: | ||
| Average total assets | $172,224,250 | 3,537 |
| Average earning assets | $164,291,000 | 3,421 |
| Average equity | $19,353,750 | 3,271 |
| Average total loans | $111,465,250 | 3,569 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9125% | 5,340 |
| Cost of funding earning assets | 0.9147% | 6,521 |
| Net interest margin | 3.9978% | 3,022 |
| Noninterest income to average assets | 0.1619% | 6,736 |
| Noninterest expense to average assets | 3.0198% | 3,637 |
| Loan and lease loss provision to assets | 0.3122% | 3,882 |
| Net operating income to assets | 0.4264% | 4,631 |
| Return on assets (ROA) | 0.3908% | 4,951 |
| Pretax return on assets | 0.5815% | 4,620 |
| Return on Equity (ROE) | 3.4621% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.4621% | 3,899 |
| Net charge-offs to loans | 0.0143% | 6,141 |
| Credit loss provision to net charge-offs | 3,375.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 102.3750% | 322 |
| Efficiency ratio | 76.1294% | 3,054 |
| Assets per employee ($millions) | 6.3877% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9253% | 2,356 |
| Loan loss allowance to noncurrent loans | 125.0000% | 2,234 |
| Noncurrent assets plus other real estate owned to assets | 0.9438% | 5,246 |
| Noncurrent loans to loans | 1.5402% | 4,400 |
| Net loans and leases to total assets | 60.0947% | 5,040 |
| Net loans and leases to deposits | 68.1480% | 5,545 |
| Net loans and leases to core deposits | 70.6145% | 5,814 |
| Total domestic deposits to total assets | 88.1827% | 1,895 |
| Equity capital to assets | 10.2110% | 3,753 |
| Core capital (leverage) ratio | 10.1791% | 2,963 |
| Tier 1 risk-based capital ratio | 13.7227% | 3,921 |
| Total risk-based capital ratio | 14.9784% | 3,881 |
| Memoranda: | ||
| Average total assets | $172,990,000 | 3,552 |
| Average earning assets | $164,640,000 | 3,428 |
| Average equity | $19,525,670 | 3,239 |
| Average total loans | $111,860,670 | 3,585 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0461% | 4,803 |
| Cost of funding earning assets | 0.9056% | 6,749 |
| Net interest margin | 4.1405% | 2,265 |
| Noninterest income to average assets | 0.1435% | 6,950 |
| Noninterest expense to average assets | 3.0649% | 3,410 |
| Loan and lease loss provision to assets | 0.3175% | 3,512 |
| Net operating income to assets | 0.4652% | 4,551 |
| Return on assets (ROA) | 0.4140% | 4,919 |
| Pretax return on assets | 0.6304% | 4,488 |
| Return on Equity (ROE) | 3.4926% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.4926% | 4,051 |
| Net charge-offs to loans | 0.0212% | 5,285 |
| Credit loss provision to net charge-offs | 2,250.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 428 |
| Efficiency ratio | 74.9281% | 3,418 |
| Assets per employee ($millions) | 6.2203% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7601% | 2,864 |
| Loan loss allowance to noncurrent loans | 115.3442% | 2,394 |
| Noncurrent assets plus other real estate owned to assets | 0.9841% | 5,179 |
| Noncurrent loans to loans | 1.5260% | 4,460 |
| Net loans and leases to total assets | 63.3547% | 4,458 |
| Net loans and leases to deposits | 73.0966% | 4,885 |
| Net loans and leases to core deposits | 76.6345% | 5,174 |
| Total domestic deposits to total assets | 86.6726% | 2,801 |
| Equity capital to assets | 11.6876% | 2,238 |
| Core capital (leverage) ratio | 11.8167% | 1,739 |
| Tier 1 risk-based capital ratio | 14.7596% | 3,228 |
| Total risk-based capital ratio | 16.0124% | 3,187 |
| Memoranda: | ||
| Average total assets | $170,057,000 | 3,660 |
| Average earning assets | $162,104,500 | 3,527 |
| Average equity | $20,157,000 | 3,184 |
| Average total loans | $112,994,500 | 3,622 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0149% | 6,388 |
| Cost of funding earning assets | 1.4547% | 5,702 |
| Net interest margin | 3.5602% | 4,694 |
| Noninterest income to average assets | 0.2052% | 6,642 |
| Noninterest expense to average assets | 2.8453% | 4,771 |
| Loan and lease loss provision to assets | 0.1719% | 5,972 |
| Net operating income to assets | 0.3865% | 4,177 |
| Return on assets (ROA) | 0.3299% | 4,506 |
| Pretax return on assets | 0.5046% | 4,171 |
| Return on Equity (ROE) | 3.2491% | 4,398 |
| Retained earnings to average equity (ytd only) | 3.2491% | 2,885 |
| Net charge-offs to loans | 0.0576% | 6,516 |
| Credit loss provision to net charge-offs | 469.6970% | 656 |
| Earnings coverage of net charge-offs (x) | 20.8636% | 1,020 |
| Efficiency ratio | 78.8414% | 3,067 |
| Assets per employee ($millions) | 5.9267% | 1,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6258% | 3,177 |
| Loan loss allowance to noncurrent loans | 165.7399% | 1,763 |
| Noncurrent assets plus other real estate owned to assets | 0.6719% | 5,787 |
| Noncurrent loans to loans | 0.9809% | 5,359 |
| Net loans and leases to total assets | 67.3836% | 3,839 |
| Net loans and leases to deposits | 78.1763% | 4,333 |
| Net loans and leases to core deposits | 93.2518% | 4,751 |
| Total domestic deposits to total assets | 86.1944% | 2,909 |
| Equity capital to assets | 12.0267% | 2,020 |
| Core capital (leverage) ratio | 11.8504% | 1,737 |
| Tier 1 risk-based capital ratio | 14.9731% | 2,955 |
| Total risk-based capital ratio | 16.2252% | 2,903 |
| Memoranda: | ||
| Average total assets | $180,334,200 | 3,431 |
| Average earning assets | $172,407,600 | 3,315 |
| Average equity | $18,312,600 | 3,461 |
| Average total loans | $114,670,400 | 3,592 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9308% | 6,816 |
| Cost of funding earning assets | 1.6173% | 5,321 |
| Net interest margin | 3.3135% | 5,591 |
| Noninterest income to average assets | 0.2131% | 6,704 |
| Noninterest expense to average assets | 2.8648% | 4,594 |
| Loan and lease loss provision to assets | 0.1486% | 5,870 |
| Net operating income to assets | 0.2677% | 4,916 |
| Return on assets (ROA) | 0.2095% | 5,202 |
| Pretax return on assets | 0.2878% | 5,095 |
| Return on Equity (ROE) | 2.1525% | 5,111 |
| Retained earnings to average equity (ytd only) | 2.1525% | 4,123 |
| Net charge-offs to loans | 0.0766% | 5,915 |
| Credit loss provision to net charge-offs | 310.6061% | 1,330 |
| Earnings coverage of net charge-offs (x) | 10.7876% | 1,921 |
| Efficiency ratio | 84.7341% | 2,217 |
| Assets per employee ($millions) | 6.2036% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5480% | 3,203 |
| Loan loss allowance to noncurrent loans | 115.1255% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.9039% | 5,266 |
| Noncurrent loans to loans | 1.3447% | 4,687 |
| Net loans and leases to total assets | 66.1809% | 4,388 |
| Net loans and leases to deposits | 76.5160% | 4,958 |
| Net loans and leases to core deposits | 90.6216% | 5,383 |
| Total domestic deposits to total assets | 86.4929% | 2,429 |
| Equity capital to assets | 11.7333% | 2,405 |
| Core capital (leverage) ratio | 11.2849% | 2,197 |
| Tier 1 risk-based capital ratio | 14.8139% | 3,127 |
| Total risk-based capital ratio | 16.0652% | 3,068 |
| Memoranda: | ||
| Average total assets | $183,931,000 | 3,405 |
| Average earning assets | $175,841,500 | 3,299 |
| Average equity | $17,901,250 | 3,550 |
| Average total loans | $114,920,750 | 3,615 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 7,129 |
| Cost of funding earning assets | 1.8745% | 4,398 |
| Net interest margin | 2.9785% | 6,613 |
| Noninterest income to average assets | 0.2165% | 6,752 |
| Noninterest expense to average assets | 2.8383% | 4,789 |
| Loan and lease loss provision to assets | 0.1162% | 5,980 |
| Net operating income to assets | 0.1081% | 5,541 |
| Return on assets (ROA) | 0.0338% | 5,834 |
| Pretax return on assets | -0.0053% | 5,877 |
| Return on Equity (ROE) | 0.3696% | 5,823 |
| Retained earnings to average equity (ytd only) | 0.3696% | 5,071 |
| Net charge-offs to loans | 0.1141% | 5,017 |
| Credit loss provision to net charge-offs | 166.6667% | 2,750 |
| Earnings coverage of net charge-offs (x) | 3.2576% | 3,514 |
| Efficiency ratio | 92.5939% | 1,598 |
| Assets per employee ($millions) | 6.6934% | 889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4388% | 3,529 |
| Loan loss allowance to noncurrent loans | 82.8141% | 3,409 |
| Noncurrent assets plus other real estate owned to assets | 1.1011% | 4,757 |
| Noncurrent loans to loans | 1.7374% | 3,905 |
| Net loans and leases to total assets | 62.4670% | 5,275 |
| Net loans and leases to deposits | 71.0064% | 5,866 |
| Net loans and leases to core deposits | 87.3796% | 5,778 |
| Total domestic deposits to total assets | 87.9737% | 1,789 |
| Equity capital to assets | 10.3945% | 3,524 |
| Core capital (leverage) ratio | 9.8435% | 3,458 |
| Tier 1 risk-based capital ratio | 14.3395% | 3,336 |
| Total risk-based capital ratio | 15.5899% | 3,270 |
| Memoranda: | ||
| Average total assets | $189,409,000 | 3,342 |
| Average earning assets | $181,164,000 | 3,244 |
| Average equity | $17,317,330 | 3,656 |
| Average total loans | $115,696,330 | 3,633 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7965% | 7,374 |
| Cost of funding earning assets | 2.0353% | 3,953 |
| Net interest margin | 2.7611% | 7,071 |
| Noninterest income to average assets | 0.1941% | 6,909 |
| Noninterest expense to average assets | 2.7086% | 4,958 |
| Loan and lease loss provision to assets | 0.1548% | 4,950 |
| Net operating income to assets | -0.0188% | 6,285 |
| Return on assets (ROA) | 0.1590% | 5,960 |
| Pretax return on assets | 0.2023% | 5,932 |
| Return on Equity (ROE) | 1.8573% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.8573% | 4,825 |
| Net charge-offs to loans | 0.0069% | 5,589 |
| Credit loss provision to net charge-offs | 3,750.0000% | 186 |
| Earnings coverage of net charge-offs (x) | 32.0000% | 1,010 |
| Efficiency ratio | 95.3488% | 1,356 |
| Assets per employee ($millions) | 7.3853% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4477% | 3,246 |
| Loan loss allowance to noncurrent loans | 616.5441% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.1315% | 7,192 |
| Noncurrent loans to loans | 0.2348% | 6,861 |
| Net loans and leases to total assets | 55.2073% | 6,335 |
| Net loans and leases to deposits | 61.6609% | 6,762 |
| Net loans and leases to core deposits | 80.6206% | 6,338 |
| Total domestic deposits to total assets | 89.5337% | 991 |
| Equity capital to assets | 8.9947% | 5,353 |
| Core capital (leverage) ratio | 9.6610% | 3,805 |
| Tier 1 risk-based capital ratio | 13.5599% | 3,824 |
| Total risk-based capital ratio | 14.7379% | 3,796 |
| Memoranda: | ||
| Average total assets | $193,753,000 | 3,315 |
| Average earning assets | $185,720,000 | 3,218 |
| Average equity | $16,583,500 | 3,817 |
| Average total loans | $116,275,000 | 3,647 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6948% | 6,797 |
| Cost of funding earning assets | 2.1496% | 5,833 |
| Net interest margin | 3.5452% | 5,123 |
| Noninterest income to average assets | 0.1603% | 7,276 |
| Noninterest expense to average assets | 2.7400% | 5,091 |
| Loan and lease loss provision to assets | 0.0694% | 6,525 |
| Net operating income to assets | 0.5880% | 4,360 |
| Return on assets (ROA) | 0.1354% | 5,850 |
| Pretax return on assets | 0.1643% | 5,812 |
| Return on Equity (ROE) | 1.5302% | 5,759 |
| Retained earnings to average equity (ytd only) | 1.5302% | 4,304 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7158% | 2,965 |
| Assets per employee ($millions) | 6.2317% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3743% | 3,340 |
| Loan loss allowance to noncurrent loans | 585.4015% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.1516% | 6,966 |
| Noncurrent loans to loans | 0.2348% | 6,678 |
| Net loans and leases to total assets | 63.6943% | 5,342 |
| Net loans and leases to deposits | 70.8181% | 6,192 |
| Net loans and leases to core deposits | 93.0090% | 5,545 |
| Total domestic deposits to total assets | 89.9407% | 665 |
| Equity capital to assets | 8.0606% | 6,762 |
| Core capital (leverage) ratio | 9.0275% | 4,703 |
| Tier 1 risk-based capital ratio | 10.6728% | 6,030 |
| Total risk-based capital ratio | 11.7915% | 6,064 |
| Memoranda: | ||
| Average total assets | $172,846,000 | 3,506 |
| Average earning assets | $164,080,200 | 3,414 |
| Average equity | $15,292,000 | 4,077 |
| Average total loans | $115,014,200 | 3,562 |