Home > Home State Bank > Performance and Condition Ratios
Home State Bank, 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 | 4.1788% | 3,017 |
| Cost of funding earning assets | 0.6406% | 1,465 |
| Net interest margin | 3.5382% | 3,644 |
| Noninterest income to average assets | 0.2129% | 5,580 |
| Noninterest expense to average assets | 2.1070% | 5,559 |
| Loan and lease loss provision to assets | -0.3850% | 6,415 |
| Net operating income to assets | 1.7591% | 511 |
| Return on assets (ROA) | 1.7591% | 523 |
| Pretax return on assets | 1.7591% | 870 |
| Return on Equity (ROE) | 14.1972% | 905 |
| Retained earnings to average equity (ytd only) | 4.6358% | 2,871 |
| Net charge-offs to loans | -0.0101% | 5,561 |
| Credit loss provision to net charge-offs | 5,183.3333% | 55 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5263% | 5,142 |
| Assets per employee ($millions) | 5.1103% | 2,182 |
| Cash dividends to net income (ytd only)* | 67.3469% | 1,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 4,083 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0587% | 5,780 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 77.2519% | 1,101 |
| Net loans and leases to deposits | 98.1295% | 750 |
| Net loans and leases to core deposits | 108.6654% | 849 |
| Total domestic deposits to total assets | 78.7244% | 5,303 |
| Equity capital to assets | 12.5139% | 1,641 |
| Core capital (leverage) ratio | 12.6030% | 1,307 |
| Tier 1 risk-based capital ratio | 14.7838% | 3,609 |
| Total risk-based capital ratio | 15.7258% | 3,729 |
| Memoranda: | ||
| Average total assets | $80,780,000 | 5,045 |
| Average earning assets | $74,615,200 | 5,026 |
| Average equity | $10,009,000 | 4,748 |
| Average total loans | $59,687,000 | 4,498 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1555% | 3,150 |
| Cost of funding earning assets | 0.6446% | 1,494 |
| Net interest margin | 3.5110% | 3,786 |
| Noninterest income to average assets | 0.2003% | 5,728 |
| Noninterest expense to average assets | 2.1407% | 5,485 |
| Loan and lease loss provision to assets | -0.4967% | 6,531 |
| Net operating income to assets | 1.7847% | 524 |
| Return on assets (ROA) | 1.7847% | 539 |
| Pretax return on assets | 1.7847% | 918 |
| Return on Equity (ROE) | 14.4405% | 908 |
| Retained earnings to average equity (ytd only) | 4.9295% | 3,128 |
| Net charge-offs to loans | -0.0114% | 5,458 |
| Credit loss provision to net charge-offs | 6,000.0000% | 67 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4336% | 4,821 |
| Assets per employee ($millions) | 5.4814% | 1,745 |
| Cash dividends to net income (ytd only)* | 65.8624% | 1,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2620% | 3,867 |
| Loan loss allowance to noncurrent loans | 328.6325% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 4,902 |
| Noncurrent loans to loans | 0.3840% | 4,762 |
| Net loans and leases to total assets | 73.1747% | 1,652 |
| Net loans and leases to deposits | 92.8358% | 1,150 |
| Net loans and leases to core deposits | 106.7172% | 916 |
| Total domestic deposits to total assets | 78.8217% | 5,365 |
| Equity capital to assets | 12.3290% | 1,806 |
| Core capital (leverage) ratio | 12.3805% | 1,475 |
| Tier 1 risk-based capital ratio | 15.0752% | 3,546 |
| Total risk-based capital ratio | 16.1132% | 3,609 |
| Memoranda: | ||
| Average total assets | $80,533,750 | 5,107 |
| Average earning assets | $74,052,250 | 5,096 |
| Average equity | $9,953,250 | 4,798 |
| Average total loans | $58,627,750 | 4,568 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1588% | 3,108 |
| Cost of funding earning assets | 0.6449% | 1,549 |
| Net interest margin | 3.5139% | 3,727 |
| Noninterest income to average assets | 0.1901% | 5,820 |
| Noninterest expense to average assets | 2.1883% | 5,446 |
| Loan and lease loss provision to assets | -0.7503% | 6,618 |
| Net operating income to assets | 1.9682% | 362 |
| Return on assets (ROA) | 1.9682% | 376 |
| Pretax return on assets | 1.9682% | 596 |
| Return on Equity (ROE) | 15.9118% | 666 |
| Retained earnings to average equity (ytd only) | 6.6114% | 1,976 |
| Net charge-offs to loans | -0.0138% | 5,417 |
| Credit loss provision to net charge-offs | 7,500.0000% | 46 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2438% | 4,656 |
| Assets per employee ($millions) | 4.8597% | 2,397 |
| Cash dividends to net income (ytd only)* | 58.4498% | 1,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 3,574 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0581% | 6,006 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 67.7758% | 2,447 |
| Net loans and leases to deposits | 85.7841% | 1,836 |
| Net loans and leases to core deposits | 97.0938% | 1,516 |
| Total domestic deposits to total assets | 79.0074% | 5,454 |
| Equity capital to assets | 12.2230% | 1,838 |
| Core capital (leverage) ratio | 12.4478% | 1,425 |
| Tier 1 risk-based capital ratio | 15.4932% | 3,353 |
| Total risk-based capital ratio | 16.5997% | 3,394 |
| Memoranda: | ||
| Average total assets | $79,971,330 | 5,158 |
| Average earning assets | $73,194,670 | 5,159 |
| Average equity | $9,892,000 | 4,826 |
| Average total loans | $57,859,000 | 4,620 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,549 |
| Cost of funding earning assets | 0.6507% | 1,576 |
| Net interest margin | 3.6429% | 3,088 |
| Noninterest income to average assets | 0.1933% | 5,802 |
| Noninterest expense to average assets | 2.1767% | 5,516 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3478% | 1,103 |
| Return on assets (ROA) | 1.3478% | 1,147 |
| Pretax return on assets | 1.3478% | 1,926 |
| Return on Equity (ROE) | 10.8285% | 1,744 |
| Retained earnings to average equity (ytd only) | 1.4302% | 5,044 |
| Net charge-offs to loans | -0.0137% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7605% | 5,163 |
| Assets per employee ($millions) | 4.2407% | 3,453 |
| Cash dividends to net income (ytd only)* | 86.7925% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8665% | 1,850 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0596% | 6,097 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 69.5580% | 1,972 |
| Net loans and leases to deposits | 88.1738% | 1,341 |
| Net loans and leases to core deposits | 97.9773% | 1,240 |
| Total domestic deposits to total assets | 78.8875% | 5,703 |
| Equity capital to assets | 12.1703% | 1,764 |
| Core capital (leverage) ratio | 12.5633% | 1,360 |
| Tier 1 risk-based capital ratio | 15.2509% | 3,579 |
| Total risk-based capital ratio | 16.5064% | 3,532 |
| Memoranda: | ||
| Average total assets | $78,649,500 | 5,239 |
| Average earning assets | $71,920,000 | 5,228 |
| Average equity | $9,789,000 | 4,873 |
| Average total loans | $58,408,000 | 4,639 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 1,019 |
| Cost of funding earning assets | 0.8014% | 1,205 |
| Net interest margin | 4.1409% | 1,537 |
| Noninterest income to average assets | 0.2633% | 5,462 |
| Noninterest expense to average assets | 2.4894% | 4,797 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5310% | 775 |
| Return on assets (ROA) | 1.5310% | 810 |
| Pretax return on assets | 1.5310% | 1,348 |
| Return on Equity (ROE) | 12.4323% | 1,300 |
| Retained earnings to average equity (ytd only) | -0.0208% | 5,869 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9199% | 5,228 |
| Assets per employee ($millions) | 4.0382% | 3,788 |
| Cash dividends to net income (ytd only)* | 100.1669% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7821% | 2,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0626% | 6,171 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 76.4291% | 1,012 |
| Net loans and leases to deposits | 98.1686% | 580 |
| Net loans and leases to core deposits | 109.5766% | 624 |
| Total domestic deposits to total assets | 77.8550% | 5,848 |
| Equity capital to assets | 12.7362% | 1,403 |
| Core capital (leverage) ratio | 12.5834% | 1,312 |
| Tier 1 risk-based capital ratio | 15.0184% | 3,653 |
| Total risk-based capital ratio | 16.2728% | 3,592 |
| Memoranda: | ||
| Average total assets | $78,250,800 | 5,277 |
| Average earning assets | $70,998,600 | 5,283 |
| Average equity | $9,636,200 | 4,939 |
| Average total loans | $59,252,200 | 4,639 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0628% | 829 |
| Cost of funding earning assets | 0.8332% | 1,135 |
| Net interest margin | 4.2296% | 1,247 |
| Noninterest income to average assets | 0.2781% | 5,454 |
| Noninterest expense to average assets | 2.5265% | 4,636 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5905% | 764 |
| Return on assets (ROA) | 1.5905% | 808 |
| Pretax return on assets | 1.5905% | 1,357 |
| Return on Equity (ROE) | 13.0244% | 1,225 |
| Retained earnings to average equity (ytd only) | -3.6379% | 6,411 |
| Net charge-offs to loans | -0.0135% | 5,952 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3674% | 5,218 |
| Assets per employee ($millions) | 4.0810% | 3,674 |
| Cash dividends to net income (ytd only)* | 127.9313% | 200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 2,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0619% | 6,263 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 74.7740% | 1,164 |
| Net loans and leases to deposits | 95.4607% | 731 |
| Net loans and leases to core deposits | 107.9221% | 673 |
| Total domestic deposits to total assets | 78.3296% | 5,854 |
| Equity capital to assets | 12.2687% | 1,734 |
| Core capital (leverage) ratio | 12.2939% | 1,524 |
| Tier 1 risk-based capital ratio | 14.6942% | 3,955 |
| Total risk-based capital ratio | 15.9491% | 3,911 |
| Memoranda: | ||
| Average total assets | $78,632,000 | 5,321 |
| Average earning assets | $71,368,000 | 5,322 |
| Average equity | $9,602,250 | 5,004 |
| Average total loans | $59,139,000 | 4,675 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2339% | 593 |
| Cost of funding earning assets | 0.9007% | 896 |
| Net interest margin | 4.3332% | 970 |
| Noninterest income to average assets | 0.3013% | 5,298 |
| Noninterest expense to average assets | 2.6356% | 4,264 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.6001% | 748 |
| Return on assets (ROA) | 1.6001% | 822 |
| Pretax return on assets | 1.6001% | 1,378 |
| Return on Equity (ROE) | 13.1229% | 1,220 |
| Retained earnings to average equity (ytd only) | -5.5648% | 6,493 |
| Net charge-offs to loans | -0.0135% | 5,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2236% | 5,144 |
| Assets per employee ($millions) | 4.0126% | 3,773 |
| Cash dividends to net income (ytd only)* | 142.4051% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8411% | 2,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 6,244 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 74.6878% | 1,148 |
| Net loans and leases to deposits | 95.7378% | 694 |
| Net loans and leases to core deposits | 106.4018% | 721 |
| Total domestic deposits to total assets | 78.0129% | 5,978 |
| Equity capital to assets | 12.4672% | 1,599 |
| Core capital (leverage) ratio | 12.0346% | 1,596 |
| Tier 1 risk-based capital ratio | 12.2202% | 5,666 |
| Total risk-based capital ratio | 13.4713% | 5,612 |
| Memoranda: | ||
| Average total assets | $78,996,330 | 5,343 |
| Average earning assets | $71,725,330 | 5,343 |
| Average equity | $9,632,000 | 5,026 |
| Average total loans | $59,169,000 | 4,700 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9959% | 894 |
| Cost of funding earning assets | 0.9584% | 754 |
| Net interest margin | 4.0375% | 1,655 |
| Noninterest income to average assets | 0.2936% | 5,359 |
| Noninterest expense to average assets | 2.2594% | 5,543 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.6821% | 609 |
| Return on assets (ROA) | 1.6821% | 672 |
| Pretax return on assets | 1.6821% | 1,122 |
| Return on Equity (ROE) | 13.9446% | 973 |
| Retained earnings to average equity (ytd only) | -6.6835% | 6,452 |
| Net charge-offs to loans | -0.0067% | 5,331 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3232% | 5,919 |
| Assets per employee ($millions) | 4.2142% | 3,514 |
| Cash dividends to net income (ytd only)* | 147.9290% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8834% | 2,356 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0924% | 6,313 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 69.2915% | 1,782 |
| Net loans and leases to deposits | 91.5211% | 845 |
| Net loans and leases to core deposits | 101.3889% | 864 |
| Total domestic deposits to total assets | 75.7109% | 6,390 |
| Equity capital to assets | 12.0084% | 2,037 |
| Core capital (leverage) ratio | 11.9746% | 1,581 |
| Tier 1 risk-based capital ratio | 12.3805% | 5,657 |
| Total risk-based capital ratio | 13.6314% | 5,608 |
| Memoranda: | ||
| Average total assets | $80,374,500 | 5,355 |
| Average earning assets | $72,619,000 | 5,367 |
| Average equity | $9,695,500 | 5,070 |
| Average total loans | $59,748,500 | 4,720 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6492% | 463 |
| Cost of funding earning assets | 1.1098% | 870 |
| Net interest margin | 4.5394% | 877 |
| Noninterest income to average assets | 0.2278% | 5,813 |
| Noninterest expense to average assets | 2.4443% | 5,276 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.9017% | 430 |
| Return on assets (ROA) | 1.9017% | 479 |
| Pretax return on assets | 1.9017% | 754 |
| Return on Equity (ROE) | 15.2209% | 772 |
| Retained earnings to average equity (ytd only) | -3.4068% | 6,296 |
| Net charge-offs to loans | -0.0117% | 6,488 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2428% | 6,034 |
| Assets per employee ($millions) | 4.2463% | 3,472 |
| Cash dividends to net income (ytd only)* | 122.3822% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6902% | 2,964 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0917% | 6,362 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 76.7067% | 834 |
| Net loans and leases to deposits | 105.2464% | 237 |
| Net loans and leases to core deposits | 110.9941% | 506 |
| Total domestic deposits to total assets | 72.8830% | 6,633 |
| Equity capital to assets | 12.1170% | 1,968 |
| Core capital (leverage) ratio | 12.0088% | 1,558 |
| Tier 1 risk-based capital ratio | 12.0554% | 5,756 |
| Total risk-based capital ratio | 13.3064% | 5,708 |
| Memoranda: | ||
| Average total assets | $80,350,200 | 5,344 |
| Average earning assets | $72,895,800 | 5,341 |
| Average equity | $10,038,800 | 4,974 |
| Average total loans | $60,003,200 | 4,714 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7822% | 408 |
| Cost of funding earning assets | 1.1253% | 959 |
| Net interest margin | 4.6569% | 734 |
| Noninterest income to average assets | 0.2325% | 5,886 |
| Noninterest expense to average assets | 2.4401% | 5,271 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.0132% | 383 |
| Return on assets (ROA) | 2.0132% | 427 |
| Pretax return on assets | 2.0132% | 685 |
| Return on Equity (ROE) | 15.9925% | 740 |
| Retained earnings to average equity (ytd only) | -1.4251% | 6,326 |
| Net charge-offs to loans | -0.0135% | 6,422 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7930% | 6,162 |
| Assets per employee ($millions) | 4.2783% | 3,323 |
| Cash dividends to net income (ytd only)* | 108.9111% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8236% | 2,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0910% | 6,506 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 70.4012% | 1,829 |
| Net loans and leases to deposits | 96.8439% | 604 |
| Net loans and leases to core deposits | 103.2047% | 917 |
| Total domestic deposits to total assets | 72.6955% | 6,698 |
| Equity capital to assets | 12.3144% | 2,025 |
| Core capital (leverage) ratio | 12.2400% | 1,518 |
| Tier 1 risk-based capital ratio | 12.6109% | 5,554 |
| Total risk-based capital ratio | 13.8614% | 5,515 |
| Memoranda: | ||
| Average total assets | $80,267,750 | 5,393 |
| Average earning assets | $72,750,750 | 5,407 |
| Average equity | $10,104,500 | 5,006 |
| Average total loans | $59,266,250 | 4,790 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0500% | 275 |
| Cost of funding earning assets | 1.1430% | 1,060 |
| Net interest margin | 4.9070% | 465 |
| Noninterest income to average assets | 0.2477% | 5,806 |
| Noninterest expense to average assets | 2.4572% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.2270% | 274 |
| Return on assets (ROA) | 2.2270% | 313 |
| Pretax return on assets | 2.2270% | 470 |
| Return on Equity (ROE) | 17.5612% | 562 |
| Retained earnings to average equity (ytd only) | 0.3946% | 5,911 |
| Net charge-offs to loans | -0.0268% | 6,496 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4573% | 6,463 |
| Assets per employee ($millions) | 4.2369% | 3,385 |
| Cash dividends to net income (ytd only)* | 97.7528% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8035% | 2,844 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0919% | 6,574 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 72.0305% | 1,548 |
| Net loans and leases to deposits | 99.6340% | 435 |
| Net loans and leases to core deposits | 105.0300% | 791 |
| Total domestic deposits to total assets | 72.2951% | 6,786 |
| Equity capital to assets | 12.5960% | 1,753 |
| Core capital (leverage) ratio | 12.6791% | 1,275 |
| Tier 1 risk-based capital ratio | 12.5795% | 5,513 |
| Total risk-based capital ratio | 13.8308% | 5,494 |
| Memoranda: | ||
| Average total assets | $79,928,000 | 5,435 |
| Average earning assets | $72,264,330 | 5,450 |
| Average equity | $10,136,000 | 4,998 |
| Average total loans | $59,591,670 | 4,807 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4616% | 169 |
| Cost of funding earning assets | 1.1759% | 1,079 |
| Net interest margin | 5.2858% | 258 |
| Noninterest income to average assets | 0.2511% | 5,845 |
| Noninterest expense to average assets | 2.4862% | 5,190 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.5062% | 179 |
| Return on assets (ROA) | 2.5062% | 216 |
| Pretax return on assets | 2.5062% | 328 |
| Return on Equity (ROE) | 19.6961% | 404 |
| Retained earnings to average equity (ytd only) | 0.7500% | 5,759 |
| Net charge-offs to loans | -0.0134% | 6,041 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7988% | 6,684 |
| Assets per employee ($millions) | 4.1844% | 3,611 |
| Cash dividends to net income (ytd only)* | 96.1924% | 587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 2,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1258% | 6,578 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 71.9558% | 1,412 |
| Net loans and leases to deposits | 100.0105% | 370 |
| Net loans and leases to core deposits | 104.2725% | 756 |
| Total domestic deposits to total assets | 71.9482% | 6,883 |
| Equity capital to assets | 12.7605% | 1,567 |
| Core capital (leverage) ratio | 12.6355% | 1,270 |
| Tier 1 risk-based capital ratio | 12.9417% | 5,254 |
| Total risk-based capital ratio | 14.1936% | 5,225 |
| Memoranda: | ||
| Average total assets | $79,641,000 | 5,485 |
| Average earning assets | $71,437,000 | 5,517 |
| Average equity | $10,134,000 | 5,006 |
| Average total loans | $59,862,000 | 4,825 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8847% | 541 |
| Cost of funding earning assets | 1.3354% | 1,314 |
| Net interest margin | 4.5492% | 1,028 |
| Noninterest income to average assets | 0.3023% | 5,371 |
| Noninterest expense to average assets | 2.4207% | 5,719 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.0131% | 303 |
| Return on assets (ROA) | 2.0131% | 325 |
| Pretax return on assets | 2.0131% | 522 |
| Return on Equity (ROE) | 16.0418% | 595 |
| Retained earnings to average equity (ytd only) | 1.0859% | 5,347 |
| Net charge-offs to loans | 0.1392% | 5,034 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 18.8953% | 1,191 |
| Efficiency ratio | 54.5963% | 6,459 |
| Assets per employee ($millions) | 4.1989% | 3,468 |
| Cash dividends to net income (ytd only)* | 93.2308% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7199% | 3,125 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1253% | 6,637 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 75.7104% | 988 |
| Net loans and leases to deposits | 110.4991% | 164 |
| Net loans and leases to core deposits | 113.6276% | 512 |
| Total domestic deposits to total assets | 68.5168% | 7,051 |
| Equity capital to assets | 12.6888% | 1,663 |
| Core capital (leverage) ratio | 12.6436% | 1,292 |
| Tier 1 risk-based capital ratio | 13.7736% | 4,497 |
| Total risk-based capital ratio | 15.0253% | 4,465 |
| Memoranda: | ||
| Average total assets | $80,720,600 | 5,440 |
| Average earning assets | $73,309,000 | 5,427 |
| Average equity | $10,129,800 | 4,980 |
| Average total loans | $61,773,600 | 4,800 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8231% | 671 |
| Cost of funding earning assets | 1.3592% | 1,420 |
| Net interest margin | 4.4639% | 1,233 |
| Noninterest income to average assets | 0.3146% | 5,351 |
| Noninterest expense to average assets | 2.4556% | 5,605 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.9319% | 397 |
| Return on assets (ROA) | 1.9319% | 433 |
| Pretax return on assets | 1.9319% | 727 |
| Return on Equity (ROE) | 15.4366% | 757 |
| Retained earnings to average equity (ytd only) | 0.9607% | 5,619 |
| Net charge-offs to loans | 0.0517% | 5,462 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 48.8738% | 662 |
| Efficiency ratio | 55.9685% | 6,287 |
| Assets per employee ($millions) | 4.3483% | 3,184 |
| Cash dividends to net income (ytd only)* | 93.7767% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7910% | 2,977 |
| Loan loss allowance to noncurrent loans | 1,668.6567% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.2134% | 6,526 |
| Noncurrent loans to loans | 0.1073% | 6,662 |
| Net loans and leases to total assets | 78.3273% | 681 |
| Net loans and leases to deposits | 110.3201% | 174 |
| Net loans and leases to core deposits | 112.6596% | 587 |
| Total domestic deposits to total assets | 71.0000% | 6,985 |
| Equity capital to assets | 12.8914% | 1,670 |
| Core capital (leverage) ratio | 12.4861% | 1,442 |
| Tier 1 risk-based capital ratio | 12.0626% | 5,854 |
| Total risk-based capital ratio | 13.3139% | 5,839 |
| Memoranda: | ||
| Average total assets | $80,956,000 | 5,478 |
| Average earning assets | $73,865,500 | 5,451 |
| Average equity | $10,131,500 | 5,003 |
| Average total loans | $61,852,500 | 4,834 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7371% | 820 |
| Cost of funding earning assets | 1.3692% | 1,552 |
| Net interest margin | 4.3679% | 1,470 |
| Noninterest income to average assets | 0.3348% | 5,213 |
| Noninterest expense to average assets | 2.5387% | 5,400 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.7715% | 530 |
| Return on assets (ROA) | 1.7715% | 568 |
| Pretax return on assets | 1.7715% | 926 |
| Return on Equity (ROE) | 14.2923% | 918 |
| Retained earnings to average equity (ytd only) | 2.4642% | 4,717 |
| Net charge-offs to loans | -0.0551% | 7,045 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9002% | 6,045 |
| Assets per employee ($millions) | 4.8598% | 2,322 |
| Cash dividends to net income (ytd only)* | 82.7586% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9208% | 2,609 |
| Loan loss allowance to noncurrent loans | 905.4688% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.2905% | 6,408 |
| Noncurrent loans to loans | 0.2121% | 6,481 |
| Net loans and leases to total assets | 71.6350% | 1,853 |
| Net loans and leases to deposits | 98.8855% | 551 |
| Net loans and leases to core deposits | 103.6789% | 1,062 |
| Total domestic deposits to total assets | 72.4424% | 6,981 |
| Equity capital to assets | 12.2809% | 1,916 |
| Core capital (leverage) ratio | 12.2002% | 1,506 |
| Tier 1 risk-based capital ratio | 12.5603% | 5,280 |
| Total risk-based capital ratio | 13.8130% | 5,256 |
| Memoranda: | ||
| Average total assets | $81,851,670 | 5,486 |
| Average earning assets | $74,497,670 | 5,478 |
| Average equity | $10,145,330 | 5,009 |
| Average total loans | $61,662,000 | 4,882 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4837% | 1,340 |
| Cost of funding earning assets | 1.3844% | 1,696 |
| Net interest margin | 4.0993% | 2,274 |
| Noninterest income to average assets | 0.3044% | 5,492 |
| Noninterest expense to average assets | 2.9066% | 4,030 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1342% | 1,722 |
| Return on assets (ROA) | 1.1342% | 1,768 |
| Pretax return on assets | 1.1342% | 2,629 |
| Return on Equity (ROE) | 9.1079% | 2,435 |
| Retained earnings to average equity (ytd only) | 9.1079% | 1,351 |
| Net charge-offs to loans | 0.0321% | 4,648 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 46.2000% | 611 |
| Efficiency ratio | 71.9320% | 3,884 |
| Assets per employee ($millions) | 4.1243% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 2,579 |
| Loan loss allowance to noncurrent loans | 81.5638% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.8258% | 3,533 |
| Noncurrent loans to loans | 2.3719% | 3,116 |
| Net loans and leases to total assets | 69.8713% | 2,153 |
| Net loans and leases to deposits | 96.7565% | 638 |
| Net loans and leases to core deposits | 102.2732% | 1,181 |
| Total domestic deposits to total assets | 72.2135% | 7,067 |
| Equity capital to assets | 12.4336% | 1,660 |
| Core capital (leverage) ratio | 12.3870% | 1,377 |
| Tier 1 risk-based capital ratio | 12.9592% | 4,858 |
| Total risk-based capital ratio | 14.2115% | 4,841 |
| Memoranda: | ||
| Average total assets | $81,469,500 | 5,546 |
| Average earning assets | $74,257,000 | 5,532 |
| Average equity | $10,145,000 | 5,007 |
| Average total loans | $62,322,500 | 4,887 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6933% | 236 |
| Cost of funding earning assets | 1.7139% | 1,535 |
| Net interest margin | 4.9794% | 453 |
| Noninterest income to average assets | 1.4776% | 663 |
| Noninterest expense to average assets | 2.9360% | 4,083 |
| Loan and lease loss provision to assets | 0.3222% | 4,236 |
| Net operating income to assets | 2.8000% | 84 |
| Return on assets (ROA) | 2.8000% | 85 |
| Pretax return on assets | 2.8000% | 136 |
| Return on Equity (ROE) | 25.3649% | 97 |
| Retained earnings to average equity (ytd only) | 15.0935% | 122 |
| Net charge-offs to loans | 0.3093% | 4,472 |
| Credit loss provision to net charge-offs | 127.9621% | 3,140 |
| Earnings coverage of net charge-offs (x) | 12.3981% | 1,509 |
| Efficiency ratio | 48.4634% | 7,242 |
| Assets per employee ($millions) | 4.0227% | 3,739 |
| Cash dividends to net income (ytd only)* | 40.4945% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7336% | 3,090 |
| Loan loss allowance to noncurrent loans | 38,066.6667% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 6,875 |
| Noncurrent loans to loans | 0.0046% | 7,156 |
| Net loans and leases to total assets | 80.4594% | 603 |
| Net loans and leases to deposits | 116.2008% | 142 |
| Net loans and leases to core deposits | 121.6790% | 481 |
| Total domestic deposits to total assets | 69.2417% | 7,276 |
| Equity capital to assets | 12.4719% | 1,648 |
| Core capital (leverage) ratio | 11.7505% | 1,703 |
| Tier 1 risk-based capital ratio | 11.8941% | 5,574 |
| Total risk-based capital ratio | 13.1451% | 5,557 |
| Memoranda: | ||
| Average total assets | $83,787,000 | 5,473 |
| Average earning assets | $77,077,600 | 5,444 |
| Average equity | $9,249,000 | 5,344 |
| Average total loans | $68,220,400 | 4,744 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6042% | 285 |
| Cost of funding earning assets | 1.7288% | 1,726 |
| Net interest margin | 4.8754% | 580 |
| Noninterest income to average assets | 1.8403% | 431 |
| Noninterest expense to average assets | 2.8125% | 4,432 |
| Loan and lease loss provision to assets | 0.3466% | 3,839 |
| Net operating income to assets | 3.1780% | 72 |
| Return on assets (ROA) | 3.1780% | 75 |
| Pretax return on assets | 3.1780% | 103 |
| Return on Equity (ROE) | 29.7067% | 55 |
| Retained earnings to average equity (ytd only) | 15.7149% | 179 |
| Net charge-offs to loans | -0.0233% | 7,373 |
| Credit loss provision to net charge-offs | -1,833.3333% | 7,133 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3809% | 7,452 |
| Assets per employee ($millions) | 4.2898% | 3,281 |
| Cash dividends to net income (ytd only)* | 47.0998% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9094% | 2,454 |
| Loan loss allowance to noncurrent loans | 711.8919% | 473 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 6,517 |
| Noncurrent loans to loans | 0.2682% | 6,649 |
| Net loans and leases to total assets | 78.8589% | 910 |
| Net loans and leases to deposits | 118.5654% | 128 |
| Net loans and leases to core deposits | 121.3404% | 573 |
| Total domestic deposits to total assets | 66.5109% | 7,452 |
| Equity capital to assets | 11.3270% | 2,677 |
| Core capital (leverage) ratio | 11.2755% | 2,082 |
| Tier 1 risk-based capital ratio | 11.1903% | 6,202 |
| Total risk-based capital ratio | 12.4432% | 6,193 |
| Memoranda: | ||
| Average total assets | $84,620,500 | 5,517 |
| Average earning assets | $78,049,750 | 5,481 |
| Average equity | $9,052,750 | 5,479 |
| Average total loans | $68,807,000 | 4,799 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3811% | 429 |
| Cost of funding earning assets | 1.7552% | 1,840 |
| Net interest margin | 4.6258% | 938 |
| Noninterest income to average assets | 2.6191% | 254 |
| Noninterest expense to average assets | 3.1082% | 3,282 |
| Loan and lease loss provision to assets | 0.1425% | 5,471 |
| Net operating income to assets | 3.6425% | 54 |
| Return on assets (ROA) | 3.6425% | 53 |
| Pretax return on assets | 3.6425% | 83 |
| Return on Equity (ROE) | 34.7413% | 34 |
| Retained earnings to average equity (ytd only) | 13.2261% | 358 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0913% | 7,479 |
| Assets per employee ($millions) | 4.4476% | 2,969 |
| Cash dividends to net income (ytd only)* | 61.9296% | 1,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6292% | 3,321 |
| Loan loss allowance to noncurrent loans | 261.1872% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.7088% | 5,718 |
| Noncurrent loans to loans | 0.6238% | 5,999 |
| Net loans and leases to total assets | 81.7419% | 567 |
| Net loans and leases to deposits | 123.2972% | 101 |
| Net loans and leases to core deposits | 126.2331% | 508 |
| Total domestic deposits to total assets | 66.2967% | 7,515 |
| Equity capital to assets | 10.9236% | 2,946 |
| Core capital (leverage) ratio | 10.9172% | 2,312 |
| Tier 1 risk-based capital ratio | 10.9869% | 6,246 |
| Total risk-based capital ratio | 12.2387% | 6,233 |
| Memoranda: | ||
| Average total assets | $84,229,000 | 5,557 |
| Average earning assets | $77,824,000 | 5,514 |
| Average equity | $8,831,000 | 5,550 |
| Average total loans | $68,751,330 | 4,832 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3159% | 515 |
| Cost of funding earning assets | 1.8127% | 1,825 |
| Net interest margin | 4.5032% | 1,134 |
| Noninterest income to average assets | 0.3092% | 5,671 |
| Noninterest expense to average assets | 2.4878% | 5,775 |
| Loan and lease loss provision to assets | 0.1427% | 5,122 |
| Net operating income to assets | 1.8028% | 493 |
| Return on assets (ROA) | 1.8028% | 543 |
| Pretax return on assets | 1.8028% | 872 |
| Return on Equity (ROE) | 17.5646% | 552 |
| Retained earnings to average equity (ytd only) | 1.3440% | 5,274 |
| Net charge-offs to loans | -0.0118% | 6,930 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1159% | 6,747 |
| Assets per employee ($millions) | 4.4438% | 3,055 |
| Cash dividends to net income (ytd only)* | 92.3483% | 671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6712% | 3,169 |
| Loan loss allowance to noncurrent loans | 254.2141% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.7106% | 5,742 |
| Noncurrent loans to loans | 0.6574% | 6,006 |
| Net loans and leases to total assets | 77.7703% | 1,195 |
| Net loans and leases to deposits | 119.5003% | 144 |
| Net loans and leases to core deposits | 122.3983% | 695 |
| Total domestic deposits to total assets | 65.0796% | 7,648 |
| Equity capital to assets | 10.2497% | 3,536 |
| Core capital (leverage) ratio | 10.2540% | 2,869 |
| Tier 1 risk-based capital ratio | 10.7135% | 6,425 |
| Total risk-based capital ratio | 11.9654% | 6,414 |
| Memoranda: | ||
| Average total assets | $84,091,000 | 5,631 |
| Average earning assets | $77,012,000 | 5,598 |
| Average equity | $8,631,000 | 5,654 |
| Average total loans | $68,017,000 | 4,936 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6804% | 483 |
| Cost of funding earning assets | 2.0921% | 2,503 |
| Net interest margin | 4.5883% | 1,005 |
| Noninterest income to average assets | 0.3089% | 5,872 |
| Noninterest expense to average assets | 2.4780% | 6,212 |
| Loan and lease loss provision to assets | 0.1544% | 6,127 |
| Net operating income to assets | 1.9256% | 274 |
| Return on assets (ROA) | 1.9256% | 281 |
| Pretax return on assets | 1.9256% | 481 |
| Return on Equity (ROE) | 18.9866% | 306 |
| Retained earnings to average equity (ytd only) | 0.6559% | 4,538 |
| Net charge-offs to loans | 0.0353% | 6,771 |
| Credit loss provision to net charge-offs | 541.6667% | 556 |
| Earnings coverage of net charge-offs (x) | 72.9583% | 377 |
| Efficiency ratio | 54.3654% | 7,190 |
| Assets per employee ($millions) | 3.9881% | 3,838 |
| Cash dividends to net income (ytd only)* | 96.5453% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5652% | 3,412 |
| Loan loss allowance to noncurrent loans | 219.8783% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 0.7809% | 5,544 |
| Noncurrent loans to loans | 0.7119% | 5,823 |
| Net loans and leases to total assets | 81.3982% | 780 |
| Net loans and leases to deposits | 128.5542% | 100 |
| Net loans and leases to core deposits | 164.7040% | 290 |
| Total domestic deposits to total assets | 63.3182% | 7,726 |
| Equity capital to assets | 10.2782% | 3,427 |
| Core capital (leverage) ratio | 10.2050% | 2,879 |
| Tier 1 risk-based capital ratio | 10.4323% | 6,464 |
| Total risk-based capital ratio | 11.6835% | 6,438 |
| Memoranda: | ||
| Average total assets | $84,181,200 | 5,586 |
| Average earning assets | $77,959,800 | 5,529 |
| Average equity | $8,537,600 | 5,755 |
| Average total loans | $67,936,200 | 4,942 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6284% | 587 |
| Cost of funding earning assets | 2.1385% | 2,714 |
| Net interest margin | 4.4899% | 1,220 |
| Noninterest income to average assets | 0.3132% | 5,974 |
| Noninterest expense to average assets | 2.4961% | 6,081 |
| Loan and lease loss provision to assets | 0.2056% | 5,343 |
| Net operating income to assets | 1.7827% | 467 |
| Return on assets (ROA) | 1.7827% | 493 |
| Pretax return on assets | 1.7827% | 832 |
| Return on Equity (ROE) | 17.6365% | 488 |
| Retained earnings to average equity (ytd only) | 0.3442% | 5,056 |
| Net charge-offs to loans | 0.0631% | 6,070 |
| Credit loss provision to net charge-offs | 406.2500% | 978 |
| Earnings coverage of net charge-offs (x) | 39.2772% | 760 |
| Efficiency ratio | 55.6614% | 7,048 |
| Assets per employee ($millions) | 4.2247% | 3,331 |
| Cash dividends to net income (ytd only)* | 98.0481% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6008% | 2,982 |
| Loan loss allowance to noncurrent loans | 174.6753% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.9196% | 5,233 |
| Noncurrent loans to loans | 0.9164% | 5,458 |
| Net loans and leases to total assets | 78.2787% | 1,520 |
| Net loans and leases to deposits | 120.1017% | 203 |
| Net loans and leases to core deposits | 155.6895% | 466 |
| Total domestic deposits to total assets | 65.1770% | 7,718 |
| Equity capital to assets | 10.1653% | 3,887 |
| Core capital (leverage) ratio | 9.9737% | 3,316 |
| Tier 1 risk-based capital ratio | 10.2478% | 6,738 |
| Total risk-based capital ratio | 11.4983% | 6,677 |
| Memoranda: | ||
| Average total assets | $84,289,000 | 5,612 |
| Average earning assets | $78,307,000 | 5,549 |
| Average equity | $8,520,000 | 5,818 |
| Average total loans | $67,606,500 | 5,000 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7183% | 525 |
| Cost of funding earning assets | 2.1740% | 2,912 |
| Net interest margin | 4.5443% | 1,067 |
| Noninterest income to average assets | 0.2945% | 6,150 |
| Noninterest expense to average assets | 2.4744% | 6,204 |
| Loan and lease loss provision to assets | 0.2493% | 4,579 |
| Net operating income to assets | 1.8048% | 459 |
| Return on assets (ROA) | 1.8048% | 498 |
| Pretax return on assets | 1.8048% | 843 |
| Return on Equity (ROE) | 17.8887% | 502 |
| Retained earnings to average equity (ytd only) | -1.6476% | 5,659 |
| Net charge-offs to loans | -0.0030% | 7,494 |
| Credit loss provision to net charge-offs | -10,500.0000% | 7,280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6408% | 7,265 |
| Assets per employee ($millions) | 4.2665% | 3,177 |
| Cash dividends to net income (ytd only)* | 109.2105% | 608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6143% | 2,678 |
| Loan loss allowance to noncurrent loans | 229.6610% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.7418% | 5,553 |
| Noncurrent loans to loans | 0.7029% | 5,840 |
| Net loans and leases to total assets | 77.4239% | 1,873 |
| Net loans and leases to deposits | 118.0006% | 277 |
| Net loans and leases to core deposits | 152.5222% | 590 |
| Total domestic deposits to total assets | 65.6131% | 7,763 |
| Equity capital to assets | 9.9486% | 4,019 |
| Core capital (leverage) ratio | 10.0388% | 3,254 |
| Tier 1 risk-based capital ratio | 10.5102% | 6,371 |
| Total risk-based capital ratio | 11.7631% | 6,313 |
| Memoranda: | ||
| Average total assets | $84,221,000 | 5,643 |
| Average earning assets | $78,471,670 | 5,581 |
| Average equity | $8,497,000 | 5,842 |
| Average total loans | $67,736,670 | 5,039 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8158% | 471 |
| Cost of funding earning assets | 2.2414% | 2,953 |
| Net interest margin | 4.5744% | 983 |
| Noninterest income to average assets | 0.2725% | 6,250 |
| Noninterest expense to average assets | 2.4048% | 6,178 |
| Loan and lease loss provision to assets | 0.1434% | 5,109 |
| Net operating income to assets | 2.0175% | 339 |
| Return on assets (ROA) | 2.0175% | 387 |
| Pretax return on assets | 2.0175% | 650 |
| Return on Equity (ROE) | 19.8565% | 434 |
| Retained earnings to average equity (ytd only) | -6.0228% | 6,688 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6702% | 7,347 |
| Assets per employee ($millions) | 4.3871% | 2,910 |
| Cash dividends to net income (ytd only)* | 130.3318% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5010% | 2,983 |
| Loan loss allowance to noncurrent loans | 148.0176% | 2,175 |
| Noncurrent assets plus other real estate owned to assets | 0.8170% | 5,135 |
| Noncurrent loans to loans | 1.0140% | 4,972 |
| Net loans and leases to total assets | 79.3591% | 1,504 |
| Net loans and leases to deposits | 115.9167% | 387 |
| Net loans and leases to core deposits | 146.8183% | 817 |
| Total domestic deposits to total assets | 68.4622% | 7,560 |
| Equity capital to assets | 10.1183% | 3,870 |
| Core capital (leverage) ratio | 9.9688% | 3,439 |
| Tier 1 risk-based capital ratio | 10.8484% | 6,042 |
| Total risk-based capital ratio | 12.0990% | 5,944 |
| Memoranda: | ||
| Average total assets | $83,667,000 | 5,680 |
| Average earning assets | $78,524,000 | 5,606 |
| Average equity | $8,501,000 | 5,880 |
| Average total loans | $68,030,500 | 5,051 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4362% | 467 |
| Cost of funding earning assets | 2.5817% | 3,781 |
| Net interest margin | 4.8544% | 697 |
| Noninterest income to average assets | 0.2728% | 6,504 |
| Noninterest expense to average assets | 2.3000% | 6,702 |
| Loan and lease loss provision to assets | 0.1488% | 5,454 |
| Net operating income to assets | 2.3818% | 161 |
| Return on assets (ROA) | 2.3818% | 159 |
| Pretax return on assets | 2.3818% | 257 |
| Return on Equity (ROE) | 23.8019% | 178 |
| Retained earnings to average equity (ytd only) | 11.4115% | 281 |
| Net charge-offs to loans | 0.0639% | 5,861 |
| Credit loss provision to net charge-offs | 272.7273% | 1,683 |
| Earnings coverage of net charge-offs (x) | 46.3864% | 803 |
| Efficiency ratio | 47.6129% | 7,840 |
| Assets per employee ($millions) | 4.4200% | 2,753 |
| Cash dividends to net income (ytd only)* | 52.0562% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4194% | 3,091 |
| Loan loss allowance to noncurrent loans | 314.4695% | 1,284 |
| Noncurrent assets plus other real estate owned to assets | 0.3703% | 6,125 |
| Noncurrent loans to loans | 0.4514% | 5,992 |
| Net loans and leases to total assets | 80.8835% | 1,470 |
| Net loans and leases to deposits | 124.9030% | 286 |
| Net loans and leases to core deposits | 168.5049% | 430 |
| Total domestic deposits to total assets | 64.7571% | 7,741 |
| Equity capital to assets | 10.2024% | 3,805 |
| Core capital (leverage) ratio | 9.9444% | 3,503 |
| Tier 1 risk-based capital ratio | 11.2749% | 5,463 |
| Total risk-based capital ratio | 12.5251% | 5,352 |
| Memoranda: | ||
| Average total assets | $80,651,800 | 5,678 |
| Average earning assets | $75,724,600 | 5,600 |
| Average equity | $8,070,800 | 6,061 |
| Average total loans | $68,860,400 | 4,912 |