Home > Hopkins Federal Savings Bank > Performance and Condition Ratios
Hopkins Federal Savings Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4146% | 5,925 |
| Cost of funding earning assets | 0.5831% | 1,447 |
| Net interest margin | 1.8315% | 5,976 |
| Noninterest income to average assets | 0.2387% | 5,056 |
| Noninterest expense to average assets | 2.0125% | 5,245 |
| Loan and lease loss provision to assets | -0.3720% | 5,998 |
| Net operating income to assets | 0.4208% | 4,970 |
| Return on assets (ROA) | 0.3485% | 5,267 |
| Pretax return on assets | 0.3485% | 5,420 |
| Return on Equity (ROE) | 2.3375% | 5,430 |
| Retained earnings to average equity (ytd only) | 2.3375% | 4,390 |
| Net charge-offs to loans | -0.5866% | 5,956 |
| Credit loss provision to net charge-offs | 255.6886% | 1,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6331% | 293 |
| Assets per employee ($millions) | 7.9991% | 564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7367% | 273 |
| Loan loss allowance to noncurrent loans | 33.7303% | 5,206 |
| Noncurrent assets plus other real estate owned to assets | 1.9868% | 831 |
| Noncurrent loans to loans | 8.1135% | 65 |
| Net loans and leases to total assets | 23.8177% | 5,896 |
| Net loans and leases to deposits | 28.3965% | 5,899 |
| Net loans and leases to core deposits | 29.9621% | 5,896 |
| Total domestic deposits to total assets | 83.8755% | 3,319 |
| Equity capital to assets | 15.4168% | 647 |
| Core capital (leverage) ratio | 14.2846% | 750 |
| Tier 1 risk-based capital ratio | 50.5177% | 127 |
| Total risk-based capital ratio | 51.7832% | 127 |
| Memoranda: | ||
| Average total assets | $229,567,670 | 2,680 |
| Average earning assets | $228,445,330 | 2,549 |
| Average equity | $34,224,330 | 2,136 |
| Average total loans | $56,939,000 | 4,438 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3874% | 6,000 |
| Cost of funding earning assets | 0.5796% | 1,481 |
| Net interest margin | 1.8079% | 6,044 |
| Noninterest income to average assets | 0.2634% | 4,845 |
| Noninterest expense to average assets | 1.6664% | 5,776 |
| Loan and lease loss provision to assets | -0.1962% | 6,023 |
| Net operating income to assets | 0.5922% | 4,214 |
| Return on assets (ROA) | 0.5147% | 4,673 |
| Pretax return on assets | 0.5147% | 5,045 |
| Return on Equity (ROE) | 3.5103% | 5,060 |
| Retained earnings to average equity (ytd only) | 3.5103% | 3,739 |
| Net charge-offs to loans | -0.8071% | 6,031 |
| Credit loss provision to net charge-offs | 97.4359% | 1,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8013% | 1,509 |
| Assets per employee ($millions) | 7.1601% | 832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1045% | 201 |
| Loan loss allowance to noncurrent loans | 36.4991% | 5,158 |
| Noncurrent assets plus other real estate owned to assets | 2.1093% | 806 |
| Noncurrent loans to loans | 8.5058% | 60 |
| Net loans and leases to total assets | 24.0289% | 5,944 |
| Net loans and leases to deposits | 28.4272% | 5,948 |
| Net loans and leases to core deposits | 30.0547% | 5,945 |
| Total domestic deposits to total assets | 84.5280% | 3,304 |
| Equity capital to assets | 14.9976% | 695 |
| Core capital (leverage) ratio | 13.8515% | 848 |
| Tier 1 risk-based capital ratio | 47.4047% | 147 |
| Total risk-based capital ratio | 48.6710% | 147 |
| Memoranda: | ||
| Average total assets | $232,363,500 | 2,670 |
| Average earning assets | $231,212,000 | 2,540 |
| Average equity | $34,071,500 | 2,140 |
| Average total loans | $57,985,000 | 4,442 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5233% | 5,990 |
| Cost of funding earning assets | 0.6712% | 954 |
| Net interest margin | 1.8521% | 6,073 |
| Noninterest income to average assets | 0.1927% | 5,434 |
| Noninterest expense to average assets | 1.7229% | 5,821 |
| Loan and lease loss provision to assets | -0.0324% | 5,697 |
| Net operating income to assets | 0.3426% | 5,232 |
| Return on assets (ROA) | 0.2790% | 5,493 |
| Pretax return on assets | 0.2790% | 5,561 |
| Return on Equity (ROE) | 2.0171% | 5,566 |
| Retained earnings to average equity (ytd only) | 0.1142% | 5,460 |
| Net charge-offs to loans | -0.0483% | 5,541 |
| Credit loss provision to net charge-offs | 258.0645% | 1,115 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7441% | 1,119 |
| Assets per employee ($millions) | 7.1396% | 845 |
| Cash dividends to net income (ytd only)* | 94.3396% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9771% | 222 |
| Loan loss allowance to noncurrent loans | 36.3918% | 5,196 |
| Noncurrent assets plus other real estate owned to assets | 2.0539% | 847 |
| Noncurrent loans to loans | 8.1806% | 73 |
| Net loans and leases to total assets | 24.3589% | 5,998 |
| Net loans and leases to deposits | 28.6120% | 6,010 |
| Net loans and leases to core deposits | 30.0694% | 6,004 |
| Total domestic deposits to total assets | 85.1354% | 3,023 |
| Equity capital to assets | 14.3392% | 818 |
| Core capital (leverage) ratio | 14.7638% | 660 |
| Tier 1 risk-based capital ratio | 43.9750% | 183 |
| Total risk-based capital ratio | 45.2387% | 180 |
| Memoranda: | ||
| Average total assets | $246,960,400 | 2,527 |
| Average earning assets | $245,394,000 | 2,378 |
| Average equity | $34,157,600 | 2,084 |
| Average total loans | $64,127,200 | 4,255 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5744% | 6,056 |
| Cost of funding earning assets | 0.6926% | 872 |
| Net interest margin | 1.8817% | 6,157 |
| Noninterest income to average assets | 0.1863% | 5,549 |
| Noninterest expense to average assets | 1.7027% | 5,895 |
| Loan and lease loss provision to assets | -0.0363% | 5,886 |
| Net operating income to assets | 0.3891% | 5,199 |
| Return on assets (ROA) | 0.3267% | 5,463 |
| Pretax return on assets | 0.3267% | 5,605 |
| Return on Equity (ROE) | 2.3824% | 5,580 |
| Retained earnings to average equity (ytd only) | 0.5839% | 5,440 |
| Net charge-offs to loans | -0.0347% | 5,414 |
| Credit loss provision to net charge-offs | 400.0000% | 757 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8356% | 1,288 |
| Assets per employee ($millions) | 7.4893% | 692 |
| Cash dividends to net income (ytd only)* | 75.4896% | 848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9516% | 262 |
| Loan loss allowance to noncurrent loans | 34.1090% | 5,349 |
| Noncurrent assets plus other real estate owned to assets | 2.2565% | 827 |
| Noncurrent loans to loans | 8.6536% | 59 |
| Net loans and leases to total assets | 24.1322% | 6,090 |
| Net loans and leases to deposits | 28.4282% | 6,100 |
| Net loans and leases to core deposits | 29.9477% | 6,089 |
| Total domestic deposits to total assets | 84.8881% | 3,061 |
| Equity capital to assets | 14.3400% | 906 |
| Core capital (leverage) ratio | 14.2363% | 802 |
| Tier 1 risk-based capital ratio | 41.5757% | 230 |
| Total risk-based capital ratio | 42.8377% | 229 |
| Memoranda: | ||
| Average total assets | $249,799,000 | 2,532 |
| Average earning assets | $248,132,250 | 2,374 |
| Average equity | $34,251,000 | 2,093 |
| Average total loans | $65,371,000 | 4,264 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5549% | 6,138 |
| Cost of funding earning assets | 0.7031% | 832 |
| Net interest margin | 1.8517% | 6,235 |
| Noninterest income to average assets | 0.1904% | 5,538 |
| Noninterest expense to average assets | 1.6376% | 6,026 |
| Loan and lease loss provision to assets | -0.0537% | 6,037 |
| Net operating income to assets | 0.4455% | 4,982 |
| Return on assets (ROA) | 0.3847% | 5,297 |
| Pretax return on assets | 0.3847% | 5,503 |
| Return on Equity (ROE) | 2.8469% | 5,450 |
| Retained earnings to average equity (ytd only) | 2.8469% | 4,223 |
| Net charge-offs to loans | -0.0713% | 5,671 |
| Credit loss provision to net charge-offs | 283.3333% | 963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6929% | 1,662 |
| Assets per employee ($millions) | 7.7058% | 605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7173% | 367 |
| Loan loss allowance to noncurrent loans | 26.6204% | 5,567 |
| Noncurrent assets plus other real estate owned to assets | 2.8412% | 609 |
| Noncurrent loans to loans | 10.2076% | 49 |
| Net loans and leases to total assets | 25.6402% | 6,139 |
| Net loans and leases to deposits | 29.9832% | 6,145 |
| Net loans and leases to core deposits | 31.7439% | 6,139 |
| Total domestic deposits to total assets | 85.5153% | 2,915 |
| Equity capital to assets | 13.8350% | 1,036 |
| Core capital (leverage) ratio | 13.6307% | 948 |
| Tier 1 risk-based capital ratio | 38.2869% | 287 |
| Total risk-based capital ratio | 39.5472% | 283 |
| Memoranda: | ||
| Average total assets | $253,179,000 | 2,524 |
| Average earning assets | $251,443,000 | 2,361 |
| Average equity | $34,212,330 | 2,105 |
| Average total loans | $67,296,670 | 4,235 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6325% | 6,167 |
| Cost of funding earning assets | 0.7099% | 819 |
| Net interest margin | 1.9225% | 6,294 |
| Noninterest income to average assets | 0.0109% | 6,309 |
| Noninterest expense to average assets | 1.5425% | 6,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3755% | 5,161 |
| Return on assets (ROA) | 0.3942% | 5,203 |
| Pretax return on assets | 0.3942% | 5,445 |
| Return on Equity (ROE) | 2.9538% | 5,397 |
| Retained earnings to average equity (ytd only) | 2.9538% | 4,201 |
| Net charge-offs to loans | 0.2221% | 1,050 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.3421% | 2,306 |
| Efficiency ratio | 80.4224% | 1,844 |
| Assets per employee ($millions) | 8.0307% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5894% | 470 |
| Loan loss allowance to noncurrent loans | 20.5211% | 5,710 |
| Noncurrent assets plus other real estate owned to assets | 3.5034% | 471 |
| Noncurrent loans to loans | 12.6180% | 34 |
| Net loans and leases to total assets | 25.9403% | 6,183 |
| Net loans and leases to deposits | 30.1252% | 6,195 |
| Net loans and leases to core deposits | 31.8785% | 6,187 |
| Total domestic deposits to total assets | 86.1084% | 2,882 |
| Equity capital to assets | 13.4648% | 1,184 |
| Core capital (leverage) ratio | 13.2738% | 1,062 |
| Tier 1 risk-based capital ratio | 33.6988% | 402 |
| Total risk-based capital ratio | 34.9488% | 393 |
| Memoranda: | ||
| Average total assets | $256,721,000 | 2,496 |
| Average earning assets | $254,667,500 | 2,348 |
| Average equity | $34,261,000 | 2,117 |
| Average total loans | $68,449,500 | 4,222 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9433% | 6,100 |
| Cost of funding earning assets | 0.6900% | 1,154 |
| Net interest margin | 2.2533% | 6,288 |
| Noninterest income to average assets | 0.0471% | 6,300 |
| Noninterest expense to average assets | 1.5533% | 6,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7306% | 3,732 |
| Return on assets (ROA) | 0.4014% | 5,283 |
| Pretax return on assets | 0.4014% | 5,486 |
| Return on Equity (ROE) | 3.3449% | 5,353 |
| Retained earnings to average equity (ytd only) | 0.2780% | 5,653 |
| Net charge-offs to loans | -1.1430% | 6,451 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0108% | 3,899 |
| Assets per employee ($millions) | 8.5499% | 423 |
| Cash dividends to net income (ytd only)* | 91.6893% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6431% | 458 |
| Loan loss allowance to noncurrent loans | 75.9547% | 4,337 |
| Noncurrent assets plus other real estate owned to assets | 0.9864% | 2,783 |
| Noncurrent loans to loans | 3.4798% | 592 |
| Net loans and leases to total assets | 25.9925% | 6,275 |
| Net loans and leases to deposits | 30.0689% | 6,295 |
| Net loans and leases to core deposits | 31.8905% | 6,279 |
| Total domestic deposits to total assets | 86.4431% | 2,601 |
| Equity capital to assets | 13.2388% | 1,254 |
| Core capital (leverage) ratio | 12.5810% | 1,315 |
| Tier 1 risk-based capital ratio | 31.5325% | 451 |
| Total risk-based capital ratio | 32.7891% | 442 |
| Memoranda: | ||
| Average total assets | $275,803,000 | 2,315 |
| Average earning assets | $273,778,400 | 2,170 |
| Average equity | $33,094,800 | 2,104 |
| Average total loans | $72,616,600 | 4,108 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9737% | 6,156 |
| Cost of funding earning assets | 0.6721% | 1,307 |
| Net interest margin | 2.3016% | 6,340 |
| Noninterest income to average assets | 0.0147% | 6,449 |
| Noninterest expense to average assets | 1.5090% | 6,350 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7901% | 3,468 |
| Return on assets (ROA) | 0.7901% | 3,573 |
| Pretax return on assets | 0.7901% | 4,394 |
| Return on Equity (ROE) | 6.7437% | 3,830 |
| Retained earnings to average equity (ytd only) | 4.2620% | 3,615 |
| Net charge-offs to loans | -1.4374% | 6,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6334% | 4,268 |
| Assets per employee ($millions) | 8.8864% | 357 |
| Cash dividends to net income (ytd only)* | 36.8009% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4377% | 695 |
| Loan loss allowance to noncurrent loans | 49.6502% | 5,157 |
| Noncurrent assets plus other real estate owned to assets | 1.3954% | 2,210 |
| Noncurrent loans to loans | 4.9098% | 384 |
| Net loans and leases to total assets | 26.6322% | 6,344 |
| Net loans and leases to deposits | 30.4955% | 6,363 |
| Net loans and leases to core deposits | 32.2799% | 6,356 |
| Total domestic deposits to total assets | 87.3315% | 2,138 |
| Equity capital to assets | 12.4610% | 1,726 |
| Core capital (leverage) ratio | 12.4644% | 1,423 |
| Tier 1 risk-based capital ratio | 30.5150% | 496 |
| Total risk-based capital ratio | 31.7703% | 492 |
| Memoranda: | ||
| Average total assets | $280,629,500 | 2,286 |
| Average earning assets | $278,526,500 | 2,155 |
| Average equity | $32,879,250 | 2,120 |
| Average total loans | $73,650,750 | 4,098 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0617% | 6,115 |
| Cost of funding earning assets | 0.6568% | 1,457 |
| Net interest margin | 2.4048% | 6,356 |
| Noninterest income to average assets | 0.0245% | 6,501 |
| Noninterest expense to average assets | 1.4504% | 6,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9611% | 2,503 |
| Return on assets (ROA) | 0.9611% | 2,593 |
| Pretax return on assets | 0.9611% | 3,639 |
| Return on Equity (ROE) | 8.3685% | 2,910 |
| Retained earnings to average equity (ytd only) | 4.6329% | 3,209 |
| Net charge-offs to loans | -1.4876% | 6,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1453% | 5,273 |
| Assets per employee ($millions) | 8.6417% | 380 |
| Cash dividends to net income (ytd only)* | 44.6389% | 2,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0576% | 1,264 |
| Loan loss allowance to noncurrent loans | 41.5197% | 5,454 |
| Noncurrent assets plus other real estate owned to assets | 1.3940% | 2,348 |
| Noncurrent loans to loans | 4.9557% | 401 |
| Net loans and leases to total assets | 26.3363% | 6,410 |
| Net loans and leases to deposits | 29.9845% | 6,428 |
| Net loans and leases to core deposits | 31.6396% | 6,420 |
| Total domestic deposits to total assets | 87.8330% | 2,012 |
| Equity capital to assets | 11.9645% | 2,015 |
| Core capital (leverage) ratio | 11.9106% | 1,713 |
| Tier 1 risk-based capital ratio | 30.8917% | 488 |
| Total risk-based capital ratio | 32.1438% | 482 |
| Memoranda: | ||
| Average total assets | $285,309,000 | 2,252 |
| Average earning assets | $283,180,000 | 2,115 |
| Average equity | $32,765,670 | 2,115 |
| Average total loans | $73,943,330 | 4,105 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9560% | 6,276 |
| Cost of funding earning assets | 0.6555% | 1,555 |
| Net interest margin | 2.3005% | 6,474 |
| Noninterest income to average assets | 0.0179% | 6,573 |
| Noninterest expense to average assets | 1.4691% | 6,515 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8312% | 2,996 |
| Return on assets (ROA) | 0.8312% | 3,069 |
| Pretax return on assets | 0.8312% | 3,972 |
| Return on Equity (ROE) | 7.3853% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.3853% | 1,866 |
| Net charge-offs to loans | -0.3038% | 6,482 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8655% | 4,878 |
| Assets per employee ($millions) | 10.5395% | 209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4047% | 3,579 |
| Loan loss allowance to noncurrent loans | 21.9538% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 1.7574% | 2,000 |
| Noncurrent loans to loans | 6.3984% | 265 |
| Net loans and leases to total assets | 25.5536% | 6,479 |
| Net loans and leases to deposits | 28.9513% | 6,498 |
| Net loans and leases to core deposits | 30.5604% | 6,490 |
| Total domestic deposits to total assets | 88.2639% | 2,074 |
| Equity capital to assets | 11.5586% | 2,199 |
| Core capital (leverage) ratio | 11.5196% | 1,954 |
| Tier 1 risk-based capital ratio | 27.9511% | 645 |
| Total risk-based capital ratio | 28.8378% | 657 |
| Memoranda: | ||
| Average total assets | $289,696,000 | 2,236 |
| Average earning assets | $287,417,000 | 2,094 |
| Average equity | $32,605,500 | 2,116 |
| Average total loans | $73,735,500 | 4,141 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0100% | 6,335 |
| Cost of funding earning assets | 0.7911% | 1,262 |
| Net interest margin | 2.2189% | 6,568 |
| Noninterest income to average assets | 0.1351% | 6,258 |
| Noninterest expense to average assets | 1.2563% | 6,696 |
| Loan and lease loss provision to assets | 0.0068% | 4,987 |
| Net operating income to assets | 1.0682% | 2,046 |
| Return on assets (ROA) | 1.0659% | 2,139 |
| Pretax return on assets | 1.0659% | 3,087 |
| Return on Equity (ROE) | 10.2013% | 2,028 |
| Retained earnings to average equity (ytd only) | 3.5372% | 3,705 |
| Net charge-offs to loans | 0.1283% | 3,531 |
| Credit loss provision to net charge-offs | 21.2121% | 4,426 |
| Earnings coverage of net charge-offs (x) | 33.4343% | 1,081 |
| Efficiency ratio | 53.8869% | 6,147 |
| Assets per employee ($millions) | 10.9194% | 176 |
| Cash dividends to net income (ytd only)* | 65.3260% | 1,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3294% | 3,982 |
| Loan loss allowance to noncurrent loans | 28.4470% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 1.2631% | 2,889 |
| Noncurrent loans to loans | 4.6732% | 557 |
| Net loans and leases to total assets | 24.6716% | 6,594 |
| Net loans and leases to deposits | 27.7552% | 6,614 |
| Net loans and leases to core deposits | 29.3586% | 6,610 |
| Total domestic deposits to total assets | 88.8900% | 1,701 |
| Equity capital to assets | 10.9621% | 2,648 |
| Core capital (leverage) ratio | 10.9143% | 2,465 |
| Tier 1 risk-based capital ratio | 29.0452% | 551 |
| Total risk-based capital ratio | 29.9334% | 563 |
| Memoranda: | ||
| Average total assets | $307,895,000 | 2,093 |
| Average earning assets | $304,747,400 | 1,945 |
| Average equity | $32,172,400 | 2,121 |
| Average total loans | $77,137,000 | 4,020 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1209% | 6,295 |
| Cost of funding earning assets | 0.8243% | 1,193 |
| Net interest margin | 2.2966% | 6,590 |
| Noninterest income to average assets | 0.1418% | 6,324 |
| Noninterest expense to average assets | 1.2495% | 6,771 |
| Loan and lease loss provision to assets | 0.0107% | 4,778 |
| Net operating income to assets | 1.1535% | 1,792 |
| Return on assets (ROA) | 1.1518% | 1,881 |
| Pretax return on assets | 1.1518% | 2,888 |
| Return on Equity (ROE) | 11.1524% | 1,770 |
| Retained earnings to average equity (ytd only) | 4.7215% | 3,291 |
| Net charge-offs to loans | -0.1419% | 6,580 |
| Credit loss provision to net charge-offs | -30.1205% | 5,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7664% | 6,269 |
| Assets per employee ($millions) | 10.7684% | 188 |
| Cash dividends to net income (ytd only)* | 57.6638% | 1,552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 3,141 |
| Loan loss allowance to noncurrent loans | 37.7468% | 5,713 |
| Noncurrent assets plus other real estate owned to assets | 1.2494% | 3,141 |
| Noncurrent loans to loans | 4.1600% | 836 |
| Net loans and leases to total assets | 24.2405% | 6,684 |
| Net loans and leases to deposits | 27.1976% | 6,708 |
| Net loans and leases to core deposits | 28.7426% | 6,696 |
| Total domestic deposits to total assets | 89.1273% | 1,497 |
| Equity capital to assets | 10.7354% | 3,028 |
| Core capital (leverage) ratio | 10.6721% | 2,816 |
| Tier 1 risk-based capital ratio | 28.2732% | 613 |
| Total risk-based capital ratio | 29.2977% | 617 |
| Memoranda: | ||
| Average total assets | $311,162,500 | 2,079 |
| Average earning assets | $307,805,750 | 1,933 |
| Average equity | $32,135,750 | 2,143 |
| Average total loans | $77,991,750 | 4,030 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1264% | 6,313 |
| Cost of funding earning assets | 0.8697% | 1,030 |
| Net interest margin | 2.2567% | 6,652 |
| Noninterest income to average assets | 0.1438% | 6,330 |
| Noninterest expense to average assets | 1.1604% | 6,842 |
| Loan and lease loss provision to assets | 0.0159% | 4,575 |
| Net operating income to assets | 1.1992% | 1,599 |
| Return on assets (ROA) | 1.1966% | 1,710 |
| Pretax return on assets | 1.1966% | 2,688 |
| Return on Equity (ROE) | 11.7350% | 1,572 |
| Retained earnings to average equity (ytd only) | 6.7440% | 2,009 |
| Net charge-offs to loans | 0.0909% | 3,455 |
| Credit loss provision to net charge-offs | 69.4444% | 2,837 |
| Earnings coverage of net charge-offs (x) | 53.0556% | 768 |
| Efficiency ratio | 48.8484% | 6,492 |
| Assets per employee ($millions) | 11.4558% | 163 |
| Cash dividends to net income (ytd only)* | 42.5306% | 2,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3456% | 4,289 |
| Loan loss allowance to noncurrent loans | 29.2295% | 6,048 |
| Noncurrent assets plus other real estate owned to assets | 1.3850% | 3,028 |
| Noncurrent loans to loans | 4.6037% | 751 |
| Net loans and leases to total assets | 24.8168% | 6,714 |
| Net loans and leases to deposits | 27.7643% | 6,743 |
| Net loans and leases to core deposits | 29.3443% | 6,732 |
| Total domestic deposits to total assets | 89.3837% | 1,392 |
| Equity capital to assets | 10.4353% | 3,385 |
| Core capital (leverage) ratio | 10.3832% | 3,007 |
| Tier 1 risk-based capital ratio | 30.3947% | 503 |
| Total risk-based capital ratio | 31.3856% | 509 |
| Memoranda: | ||
| Average total assets | $314,378,000 | 2,065 |
| Average earning assets | $310,902,670 | 1,924 |
| Average equity | $32,058,000 | 2,153 |
| Average total loans | $79,237,330 | 4,004 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1547% | 6,348 |
| Cost of funding earning assets | 0.9043% | 969 |
| Net interest margin | 2.2504% | 6,730 |
| Noninterest income to average assets | 0.2070% | 5,999 |
| Noninterest expense to average assets | 1.2117% | 6,904 |
| Loan and lease loss provision to assets | 0.0353% | 4,001 |
| Net operating income to assets | 1.1839% | 1,575 |
| Return on assets (ROA) | 1.1839% | 1,685 |
| Pretax return on assets | 1.1839% | 2,635 |
| Return on Equity (ROE) | 11.7439% | 1,485 |
| Retained earnings to average equity (ytd only) | 11.7439% | 735 |
| Net charge-offs to loans | 0.0851% | 2,992 |
| Credit loss provision to net charge-offs | 164.7059% | 1,275 |
| Earnings coverage of net charge-offs (x) | 56.8235% | 617 |
| Efficiency ratio | 49.8442% | 6,512 |
| Assets per employee ($millions) | 12.5639% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 4,372 |
| Loan loss allowance to noncurrent loans | 33.3854% | 5,897 |
| Noncurrent assets plus other real estate owned to assets | 1.3693% | 3,220 |
| Noncurrent loans to loans | 4.1084% | 1,078 |
| Net loans and leases to total assets | 24.4729% | 6,761 |
| Net loans and leases to deposits | 27.3743% | 6,793 |
| Net loans and leases to core deposits | 29.0159% | 6,783 |
| Total domestic deposits to total assets | 89.4011% | 1,414 |
| Equity capital to assets | 10.3216% | 3,771 |
| Core capital (leverage) ratio | 10.1809% | 3,171 |
| Tier 1 risk-based capital ratio | 30.0780% | 528 |
| Total risk-based capital ratio | 31.0835% | 530 |
| Memoranda: | ||
| Average total assets | $316,913,500 | 2,065 |
| Average earning assets | $313,183,000 | 1,940 |
| Average equity | $31,948,500 | 2,185 |
| Average total loans | $79,952,500 | 4,012 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2512% | 6,632 |
| Cost of funding earning assets | 1.2075% | 556 |
| Net interest margin | 2.0437% | 6,918 |
| Noninterest income to average assets | 0.0826% | 6,572 |
| Noninterest expense to average assets | 1.3403% | 6,937 |
| Loan and lease loss provision to assets | 0.0695% | 4,877 |
| Net operating income to assets | 0.6828% | 3,818 |
| Return on assets (ROA) | 0.6828% | 4,086 |
| Pretax return on assets | 0.6828% | 4,722 |
| Return on Equity (ROE) | 7.5371% | 3,319 |
| Retained earnings to average equity (ytd only) | 6.8130% | 1,666 |
| Net charge-offs to loans | 1.1038% | 954 |
| Credit loss provision to net charge-offs | 23.9466% | 5,229 |
| Earnings coverage of net charge-offs (x) | 2.5930% | 4,124 |
| Efficiency ratio | 64.0496% | 4,876 |
| Assets per employee ($millions) | 12.7892% | 125 |
| Cash dividends to net income (ytd only)* | 9.6070% | 4,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2908% | 4,681 |
| Loan loss allowance to noncurrent loans | 24.5419% | 6,262 |
| Noncurrent assets plus other real estate owned to assets | 1.7543% | 2,770 |
| Noncurrent loans to loans | 5.2594% | 734 |
| Net loans and leases to total assets | 25.3055% | 6,827 |
| Net loans and leases to deposits | 28.1178% | 6,867 |
| Net loans and leases to core deposits | 29.7557% | 6,850 |
| Total domestic deposits to total assets | 89.9981% | 952 |
| Equity capital to assets | 9.8449% | 4,388 |
| Core capital (leverage) ratio | 9.7215% | 3,772 |
| Tier 1 risk-based capital ratio | 27.5970% | 651 |
| Total risk-based capital ratio | 28.5376% | 657 |
| Memoranda: | ||
| Average total assets | $335,372,000 | 1,926 |
| Average earning assets | $329,849,400 | 1,793 |
| Average equity | $30,383,200 | 2,226 |
| Average total loans | $88,149,800 | 3,793 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1989% | 6,798 |
| Cost of funding earning assets | 1.2621% | 529 |
| Net interest margin | 1.9368% | 7,050 |
| Noninterest income to average assets | 0.1171% | 6,552 |
| Noninterest expense to average assets | 1.3432% | 7,021 |
| Loan and lease loss provision to assets | -0.0472% | 6,993 |
| Net operating income to assets | 0.7243% | 3,804 |
| Return on assets (ROA) | 0.7243% | 4,052 |
| Pretax return on assets | 0.7243% | 4,777 |
| Return on Equity (ROE) | 8.1610% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.1869% | 2,019 |
| Net charge-offs to loans | 0.8131% | 1,345 |
| Credit loss provision to net charge-offs | -21.9378% | 6,128 |
| Earnings coverage of net charge-offs (x) | 3.1499% | 3,768 |
| Efficiency ratio | 66.4851% | 4,361 |
| Assets per employee ($millions) | 13.2312% | 120 |
| Cash dividends to net income (ytd only)* | 11.9372% | 3,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,607 |
| Loan loss allowance to noncurrent loans | 24.2184% | 6,376 |
| Noncurrent assets plus other real estate owned to assets | 1.5548% | 3,259 |
| Noncurrent loans to loans | 5.5522% | 771 |
| Net loans and leases to total assets | 25.0862% | 6,940 |
| Net loans and leases to deposits | 27.7291% | 6,987 |
| Net loans and leases to core deposits | 29.2173% | 6,978 |
| Total domestic deposits to total assets | 90.4689% | 609 |
| Equity capital to assets | 9.3809% | 5,363 |
| Core capital (leverage) ratio | 9.2488% | 4,678 |
| Tier 1 risk-based capital ratio | 26.2317% | 805 |
| Total risk-based capital ratio | 27.2015% | 820 |
| Memoranda: | ||
| Average total assets | $339,282,750 | 1,920 |
| Average earning assets | $333,397,750 | 1,800 |
| Average equity | $30,109,750 | 2,261 |
| Average total loans | $89,695,500 | 3,801 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0928% | 6,933 |
| Cost of funding earning assets | 1.3272% | 465 |
| Net interest margin | 1.7656% | 7,155 |
| Noninterest income to average assets | 0.0514% | 6,850 |
| Noninterest expense to average assets | 1.1902% | 7,148 |
| Loan and lease loss provision to assets | 0.0795% | 4,613 |
| Net operating income to assets | 0.5121% | 4,758 |
| Return on assets (ROA) | 0.5121% | 5,025 |
| Pretax return on assets | 0.5121% | 5,407 |
| Return on Equity (ROE) | 5.8786% | 4,375 |
| Retained earnings to average equity (ytd only) | 4.4022% | 3,683 |
| Net charge-offs to loans | 1.1184% | 970 |
| Credit loss provision to net charge-offs | 26.5625% | 4,494 |
| Earnings coverage of net charge-offs (x) | 1.9766% | 3,989 |
| Efficiency ratio | 66.7979% | 4,360 |
| Assets per employee ($millions) | 12.9146% | 121 |
| Cash dividends to net income (ytd only)* | 25.1142% | 2,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 3,612 |
| Loan loss allowance to noncurrent loans | 37.1765% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 1.3464% | 3,748 |
| Noncurrent loans to loans | 4.2989% | 1,255 |
| Net loans and leases to total assets | 26.0751% | 6,976 |
| Net loans and leases to deposits | 28.6675% | 7,032 |
| Net loans and leases to core deposits | 30.0207% | 7,024 |
| Total domestic deposits to total assets | 90.9572% | 462 |
| Equity capital to assets | 8.9353% | 5,768 |
| Core capital (leverage) ratio | 8.8230% | 5,177 |
| Tier 1 risk-based capital ratio | 26.6959% | 753 |
| Total risk-based capital ratio | 27.9295% | 742 |
| Memoranda: | ||
| Average total assets | $342,117,330 | 1,906 |
| Average earning assets | $335,291,000 | 1,793 |
| Average equity | $29,803,000 | 2,268 |
| Average total loans | $91,557,000 | 3,767 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1645% | 6,970 |
| Cost of funding earning assets | 1.3898% | 443 |
| Net interest margin | 1.7747% | 7,206 |
| Noninterest income to average assets | 0.0776% | 6,836 |
| Noninterest expense to average assets | 1.1353% | 7,225 |
| Loan and lease loss provision to assets | 0.0568% | 4,697 |
| Net operating income to assets | 0.6163% | 4,282 |
| Return on assets (ROA) | 0.6163% | 4,491 |
| Pretax return on assets | 0.6163% | 5,060 |
| Return on Equity (ROE) | 7.1643% | 3,679 |
| Retained earnings to average equity (ytd only) | 7.1643% | 2,339 |
| Net charge-offs to loans | 1.4820% | 677 |
| Credit loss provision to net charge-offs | 14.2442% | 3,852 |
| Earnings coverage of net charge-offs (x) | 1.6890% | 3,487 |
| Efficiency ratio | 62.7803% | 5,139 |
| Assets per employee ($millions) | 13.6280% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6365% | 3,589 |
| Loan loss allowance to noncurrent loans | 24.6555% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 2.0440% | 2,834 |
| Noncurrent loans to loans | 6.6375% | 714 |
| Net loans and leases to total assets | 26.5157% | 7,020 |
| Net loans and leases to deposits | 29.1100% | 7,075 |
| Net loans and leases to core deposits | 30.4387% | 7,069 |
| Total domestic deposits to total assets | 91.0881% | 513 |
| Equity capital to assets | 8.8183% | 5,730 |
| Core capital (leverage) ratio | 8.6592% | 5,363 |
| Tier 1 risk-based capital ratio | 24.8417% | 919 |
| Total risk-based capital ratio | 26.0593% | 910 |
| Memoranda: | ||
| Average total assets | $345,286,000 | 1,903 |
| Average earning assets | $336,734,500 | 1,793 |
| Average equity | $29,703,000 | 2,282 |
| Average total loans | $92,847,000 | 3,759 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 6,951 |
| Cost of funding earning assets | 1.7400% | 275 |
| Net interest margin | 1.8299% | 7,252 |
| Noninterest income to average assets | 0.2293% | 5,892 |
| Noninterest expense to average assets | 1.1052% | 7,281 |
| Loan and lease loss provision to assets | 0.5315% | 1,971 |
| Net operating income to assets | 0.3748% | 4,972 |
| Return on assets (ROA) | 0.3264% | 5,315 |
| Pretax return on assets | 0.3264% | 5,489 |
| Return on Equity (ROE) | 3.8538% | 4,923 |
| Retained earnings to average equity (ytd only) | 0.6877% | 5,525 |
| Net charge-offs to loans | 2.7583% | 387 |
| Credit loss provision to net charge-offs | 67.4884% | 4,948 |
| Earnings coverage of net charge-offs (x) | 1.1508% | 4,928 |
| Efficiency ratio | 54.9447% | 6,430 |
| Assets per employee ($millions) | 13.9949% | 105 |
| Cash dividends to net income (ytd only)* | 82.1552% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6377% | 3,429 |
| Loan loss allowance to noncurrent loans | 27.8240% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 1.8458% | 3,191 |
| Noncurrent loans to loans | 5.8859% | 862 |
| Net loans and leases to total assets | 26.3854% | 7,111 |
| Net loans and leases to deposits | 28.8368% | 7,156 |
| Net loans and leases to core deposits | 30.2669% | 7,151 |
| Total domestic deposits to total assets | 91.4989% | 334 |
| Equity capital to assets | 8.3922% | 6,254 |
| Core capital (leverage) ratio | 8.2895% | 5,868 |
| Tier 1 risk-based capital ratio | 21.5551% | 1,310 |
| Total risk-based capital ratio | 22.6987% | 1,303 |
| Memoranda: | ||
| Average total assets | $355,409,000 | 1,824 |
| Average earning assets | $346,145,600 | 1,716 |
| Average equity | $30,100,200 | 2,192 |
| Average total loans | $101,477,000 | 3,583 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6270% | 6,996 |
| Cost of funding earning assets | 1.7993% | 259 |
| Net interest margin | 1.8277% | 7,328 |
| Noninterest income to average assets | 0.1902% | 6,232 |
| Noninterest expense to average assets | 1.0882% | 7,362 |
| Loan and lease loss provision to assets | 0.1349% | 4,745 |
| Net operating income to assets | 0.7526% | 3,370 |
| Return on assets (ROA) | 0.7380% | 3,606 |
| Pretax return on assets | 0.7380% | 4,350 |
| Return on Equity (ROE) | 8.6950% | 2,746 |
| Retained earnings to average equity (ytd only) | 4.4994% | 3,521 |
| Net charge-offs to loans | 1.6147% | 874 |
| Credit loss provision to net charge-offs | 28.8339% | 5,428 |
| Earnings coverage of net charge-offs (x) | 1.8970% | 4,239 |
| Efficiency ratio | 55.0785% | 6,380 |
| Assets per employee ($millions) | 13.9954% | 109 |
| Cash dividends to net income (ytd only)* | 48.2529% | 1,668 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 3,720 |
| Loan loss allowance to noncurrent loans | 24.5232% | 6,513 |
| Noncurrent assets plus other real estate owned to assets | 2.0807% | 3,052 |
| Noncurrent loans to loans | 6.4781% | 817 |
| Net loans and leases to total assets | 27.5491% | 7,164 |
| Net loans and leases to deposits | 30.1942% | 7,217 |
| Net loans and leases to core deposits | 31.7258% | 7,206 |
| Total domestic deposits to total assets | 91.2397% | 368 |
| Equity capital to assets | 8.6580% | 6,135 |
| Core capital (leverage) ratio | 8.5257% | 5,677 |
| Tier 1 risk-based capital ratio | 20.3015% | 1,620 |
| Total risk-based capital ratio | 21.3620% | 1,628 |
| Memoranda: | ||
| Average total assets | $356,793,250 | 1,824 |
| Average earning assets | $348,562,500 | 1,707 |
| Average equity | $30,284,750 | 2,180 |
| Average total loans | $103,383,250 | 3,560 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6655% | 7,043 |
| Cost of funding earning assets | 1.8459% | 263 |
| Net interest margin | 1.8197% | 7,405 |
| Noninterest income to average assets | 0.2423% | 5,911 |
| Noninterest expense to average assets | 1.0978% | 7,439 |
| Loan and lease loss provision to assets | 0.0084% | 6,156 |
| Net operating income to assets | 0.9162% | 2,564 |
| Return on assets (ROA) | 0.8945% | 2,768 |
| Pretax return on assets | 0.8945% | 3,635 |
| Return on Equity (ROE) | 10.6070% | 1,923 |
| Retained earnings to average equity (ytd only) | 4.3128% | 3,448 |
| Net charge-offs to loans | 0.6920% | 2,114 |
| Credit loss provision to net charge-offs | 4.1209% | 5,299 |
| Earnings coverage of net charge-offs (x) | 4.5604% | 2,829 |
| Efficiency ratio | 54.2826% | 6,597 |
| Assets per employee ($millions) | 13.8654% | 109 |
| Cash dividends to net income (ytd only)* | 59.3400% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0469% | 2,241 |
| Loan loss allowance to noncurrent loans | 24.3077% | 6,560 |
| Noncurrent assets plus other real estate owned to assets | 2.5700% | 2,596 |
| Noncurrent loans to loans | 8.4207% | 513 |
| Net loans and leases to total assets | 27.8499% | 7,244 |
| Net loans and leases to deposits | 30.4391% | 7,301 |
| Net loans and leases to core deposits | 31.9021% | 7,297 |
| Total domestic deposits to total assets | 91.4938% | 343 |
| Equity capital to assets | 8.4222% | 6,277 |
| Core capital (leverage) ratio | 8.1817% | 6,061 |
| Tier 1 risk-based capital ratio | 19.3534% | 1,750 |
| Total risk-based capital ratio | 20.6034% | 1,722 |
| Memoranda: | ||
| Average total assets | $359,096,000 | 1,827 |
| Average earning assets | $351,272,000 | 1,706 |
| Average equity | $30,282,000 | 2,169 |
| Average total loans | $105,195,670 | 3,558 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6528% | 7,105 |
| Cost of funding earning assets | 1.8766% | 279 |
| Net interest margin | 1.7763% | 7,456 |
| Noninterest income to average assets | 0.4040% | 4,669 |
| Noninterest expense to average assets | 1.0581% | 7,508 |
| Loan and lease loss provision to assets | 0.0123% | 5,759 |
| Net operating income to assets | 1.0726% | 1,940 |
| Return on assets (ROA) | 1.0726% | 1,989 |
| Pretax return on assets | 1.0726% | 2,860 |
| Return on Equity (ROE) | 12.7108% | 1,268 |
| Retained earnings to average equity (ytd only) | 11.1236% | 880 |
| Net charge-offs to loans | 1.3666% | 1,010 |
| Credit loss provision to net charge-offs | 3.0220% | 4,450 |
| Earnings coverage of net charge-offs (x) | 2.6703% | 3,009 |
| Efficiency ratio | 49.3750% | 7,034 |
| Assets per employee ($millions) | 14.4657% | 102 |
| Cash dividends to net income (ytd only)* | 12.4870% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9818% | 2,463 |
| Loan loss allowance to noncurrent loans | 20.5859% | 6,753 |
| Noncurrent assets plus other real estate owned to assets | 2.8542% | 2,416 |
| Noncurrent loans to loans | 9.6267% | 433 |
| Net loans and leases to total assets | 28.6388% | 7,278 |
| Net loans and leases to deposits | 31.3215% | 7,335 |
| Net loans and leases to core deposits | 33.0432% | 7,326 |
| Total domestic deposits to total assets | 91.4349% | 432 |
| Equity capital to assets | 8.4700% | 5,953 |
| Core capital (leverage) ratio | 8.2098% | 5,958 |
| Tier 1 risk-based capital ratio | 18.4531% | 1,975 |
| Total risk-based capital ratio | 19.6698% | 1,932 |
| Memoranda: | ||
| Average total assets | $358,393,500 | 1,834 |
| Average earning assets | $350,849,500 | 1,713 |
| Average equity | $30,242,000 | 2,163 |
| Average total loans | $106,545,000 | 3,569 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5135% | 6,361 |
| Cost of funding earning assets | 2.2762% | 229 |
| Net interest margin | 2.2373% | 7,388 |
| Noninterest income to average assets | 0.0761% | 7,003 |
| Noninterest expense to average assets | 1.0250% | 7,575 |
| Loan and lease loss provision to assets | 0.3721% | 3,889 |
| Net operating income to assets | 0.8691% | 2,512 |
| Return on assets (ROA) | 0.8691% | 2,646 |
| Pretax return on assets | 0.8691% | 3,408 |
| Return on Equity (ROE) | 9.6210% | 2,066 |
| Retained earnings to average equity (ytd only) | 4.5644% | 2,679 |
| Net charge-offs to loans | 0.5897% | 3,265 |
| Credit loss provision to net charge-offs | 182.1162% | 1,815 |
| Earnings coverage of net charge-offs (x) | 6.0745% | 2,449 |
| Efficiency ratio | 45.2298% | 7,381 |
| Assets per employee ($millions) | 13.6594% | 118 |
| Cash dividends to net income (ytd only)* | 52.5578% | 1,962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2778% | 1,730 |
| Loan loss allowance to noncurrent loans | 32.8545% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 2.1695% | 3,130 |
| Noncurrent loans to loans | 6.9331% | 817 |
| Net loans and leases to total assets | 29.5595% | 7,365 |
| Net loans and leases to deposits | 32.3083% | 7,424 |
| Net loans and leases to core deposits | 34.0527% | 7,423 |
| Total domestic deposits to total assets | 91.4919% | 401 |
| Equity capital to assets | 8.4059% | 5,992 |
| Core capital (leverage) ratio | 8.1244% | 5,960 |
| Tier 1 risk-based capital ratio | 18.5344% | 1,833 |
| Total risk-based capital ratio | 19.7844% | 1,799 |
| Memoranda: | ||
| Average total assets | $328,386,600 | 1,983 |
| Average earning assets | $321,458,600 | 1,852 |
| Average equity | $29,664,400 | 2,196 |
| Average total loans | $113,791,400 | 3,452 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7932% | 5,694 |
| Cost of funding earning assets | 2.3447% | 231 |
| Net interest margin | 2.4485% | 7,405 |
| Noninterest income to average assets | 0.0883% | 7,092 |
| Noninterest expense to average assets | 1.0900% | 7,684 |
| Loan and lease loss provision to assets | 0.2267% | 4,806 |
| Net operating income to assets | 1.1684% | 1,681 |
| Return on assets (ROA) | 1.1684% | 1,777 |
| Pretax return on assets | 1.1684% | 2,604 |
| Return on Equity (ROE) | 12.6905% | 1,341 |
| Retained earnings to average equity (ytd only) | 5.9378% | 2,394 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8626% | 7,467 |
| Assets per employee ($millions) | 14.1041% | 115 |
| Cash dividends to net income (ytd only)* | 53.2104% | 1,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1371% | 1,910 |
| Loan loss allowance to noncurrent loans | 43.3848% | 5,390 |
| Noncurrent assets plus other real estate owned to assets | 1.7533% | 3,816 |
| Noncurrent loans to loans | 4.9260% | 1,420 |
| Net loans and leases to total assets | 33.0485% | 7,373 |
| Net loans and leases to deposits | 36.3119% | 7,464 |
| Net loans and leases to core deposits | 38.4156% | 7,450 |
| Total domestic deposits to total assets | 91.0130% | 450 |
| Equity capital to assets | 8.8901% | 5,717 |
| Core capital (leverage) ratio | 8.5218% | 5,467 |
| Tier 1 risk-based capital ratio | 18.4025% | 1,899 |
| Total risk-based capital ratio | 19.6407% | 1,866 |
| Memoranda: | ||
| Average total assets | $321,697,000 | 2,051 |
| Average earning assets | $314,911,500 | 1,915 |
| Average equity | $29,617,250 | 2,229 |
| Average total loans | $115,382,750 | 3,466 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 5,270 |
| Cost of funding earning assets | 2.4198% | 225 |
| Net interest margin | 2.5102% | 7,413 |
| Noninterest income to average assets | 0.0873% | 7,145 |
| Noninterest expense to average assets | 1.0370% | 7,766 |
| Loan and lease loss provision to assets | 0.1753% | 5,112 |
| Net operating income to assets | 1.3350% | 1,228 |
| Return on assets (ROA) | 1.3350% | 1,301 |
| Pretax return on assets | 1.3350% | 1,995 |
| Return on Equity (ROE) | 14.3252% | 968 |
| Retained earnings to average equity (ytd only) | 7.5360% | 1,626 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7104% | 7,630 |
| Assets per employee ($millions) | 13.6221% | 123 |
| Cash dividends to net income (ytd only)* | 47.3934% | 1,793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8385% | 2,607 |
| Loan loss allowance to noncurrent loans | 42.0066% | 5,529 |
| Noncurrent assets plus other real estate owned to assets | 1.6936% | 3,902 |
| Noncurrent loans to loans | 4.3768% | 1,682 |
| Net loans and leases to total assets | 35.4873% | 7,371 |
| Net loans and leases to deposits | 39.0782% | 7,461 |
| Net loans and leases to core deposits | 45.5343% | 7,369 |
| Total domestic deposits to total assets | 90.8109% | 562 |
| Equity capital to assets | 9.0903% | 5,306 |
| Core capital (leverage) ratio | 8.7557% | 4,999 |
| Tier 1 risk-based capital ratio | 18.1839% | 1,903 |
| Total risk-based capital ratio | 19.4336% | 1,878 |
| Memoranda: | ||
| Average total assets | $316,096,330 | 2,107 |
| Average earning assets | $309,776,330 | 1,961 |
| Average equity | $29,458,670 | 2,227 |
| Average total loans | $115,739,670 | 3,488 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9322% | 5,302 |
| Cost of funding earning assets | 2.5160% | 219 |
| Net interest margin | 2.4162% | 7,521 |
| Noninterest income to average assets | 0.0348% | 7,538 |
| Noninterest expense to average assets | 1.0133% | 7,873 |
| Loan and lease loss provision to assets | 0.0090% | 6,511 |
| Net operating income to assets | 1.3828% | 1,116 |
| Return on assets (ROA) | 1.3828% | 1,193 |
| Pretax return on assets | 1.3828% | 1,828 |
| Return on Equity (ROE) | 14.6479% | 933 |
| Retained earnings to average equity (ytd only) | 14.6479% | 443 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1306% | 7,675 |
| Assets per employee ($millions) | 13.9220% | 119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6679% | 3,180 |
| Loan loss allowance to noncurrent loans | 28.6338% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 2.1836% | 3,296 |
| Noncurrent loans to loans | 5.8249% | 1,146 |
| Net loans and leases to total assets | 35.0382% | 7,463 |
| Net loans and leases to deposits | 38.6880% | 7,557 |
| Net loans and leases to core deposits | 44.2767% | 7,476 |
| Total domestic deposits to total assets | 90.5660% | 707 |
| Equity capital to assets | 9.3425% | 4,774 |
| Core capital (leverage) ratio | 8.9355% | 4,672 |
| Tier 1 risk-based capital ratio | 18.5561% | 1,822 |
| Total risk-based capital ratio | 19.7958% | 1,791 |
| Memoranda: | ||
| Average total assets | $310,679,000 | 2,192 |
| Average earning assets | $304,770,000 | 2,054 |
| Average equity | $29,328,500 | 2,260 |
| Average total loans | $114,513,500 | 3,585 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0384% | 6,311 |
| Cost of funding earning assets | 3.1747% | 139 |
| Net interest margin | 1.8637% | 7,790 |
| Noninterest income to average assets | -0.0780% | 7,783 |
| Noninterest expense to average assets | 1.2678% | 7,889 |
| Loan and lease loss provision to assets | 0.1195% | 6,448 |
| Net operating income to assets | 0.3692% | 4,255 |
| Return on assets (ROA) | 0.3702% | 4,348 |
| Pretax return on assets | 0.3702% | 4,579 |
| Return on Equity (ROE) | 3.9673% | 4,102 |
| Retained earnings to average equity (ytd only) | 3.9673% | 2,427 |
| Net charge-offs to loans | 0.4377% | 4,047 |
| Credit loss provision to net charge-offs | 67.5573% | 6,538 |
| Earnings coverage of net charge-offs (x) | 2.7634% | 3,715 |
| Efficiency ratio | 72.1806% | 4,236 |
| Assets per employee ($millions) | 12.5480% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6497% | 3,083 |
| Loan loss allowance to noncurrent loans | 39.9831% | 5,745 |
| Noncurrent assets plus other real estate owned to assets | 1.6145% | 3,949 |
| Noncurrent loans to loans | 4.1260% | 1,782 |
| Net loans and leases to total assets | 37.5337% | 7,463 |
| Net loans and leases to deposits | 41.5698% | 7,580 |
| Net loans and leases to core deposits | 52.5170% | 7,513 |
| Total domestic deposits to total assets | 90.2910% | 840 |
| Equity capital to assets | 9.5440% | 4,361 |
| Core capital (leverage) ratio | 9.1427% | 4,212 |
| Tier 1 risk-based capital ratio | 18.3861% | 1,778 |
| Total risk-based capital ratio | 19.6323% | 1,740 |
| Memoranda: | ||
| Average total assets | $296,340,800 | 2,237 |
| Average earning assets | $291,679,400 | 2,115 |
| Average equity | $27,651,000 | 2,406 |
| Average total loans | $119,706,600 | 3,491 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0399% | 6,476 |
| Cost of funding earning assets | 3.2985% | 139 |
| Net interest margin | 1.7414% | 7,905 |
| Noninterest income to average assets | -0.1771% | 7,968 |
| Noninterest expense to average assets | 1.3241% | 7,953 |
| Loan and lease loss provision to assets | -0.1902% | 8,080 |
| Net operating income to assets | 0.4043% | 4,380 |
| Return on assets (ROA) | 0.4043% | 4,484 |
| Pretax return on assets | 0.4043% | 4,793 |
| Return on Equity (ROE) | 4.3586% | 4,227 |
| Retained earnings to average equity (ytd only) | 4.3586% | 2,838 |
| Net charge-offs to loans | 0.1103% | 5,578 |
| Credit loss provision to net charge-offs | -421.0000% | 7,260 |
| Earnings coverage of net charge-offs (x) | 4.7400% | 3,027 |
| Efficiency ratio | 86.0793% | 2,060 |
| Assets per employee ($millions) | 12.4797% | 157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3102% | 4,436 |
| Loan loss allowance to noncurrent loans | 30.6564% | 6,415 |
| Noncurrent assets plus other real estate owned to assets | 1.7238% | 3,780 |
| Noncurrent loans to loans | 4.2738% | 1,680 |
| Net loans and leases to total assets | 38.8809% | 7,513 |
| Net loans and leases to deposits | 43.0237% | 7,649 |
| Net loans and leases to core deposits | 55.5456% | 7,557 |
| Total domestic deposits to total assets | 90.3710% | 630 |
| Equity capital to assets | 9.5245% | 4,712 |
| Core capital (leverage) ratio | 9.1246% | 4,452 |
| Tier 1 risk-based capital ratio | 18.0900% | 1,956 |
| Total risk-based capital ratio | 19.1179% | 1,977 |
| Memoranda: | ||
| Average total assets | $295,137,750 | 2,264 |
| Average earning assets | $290,710,000 | 2,134 |
| Average equity | $27,378,250 | 2,446 |
| Average total loans | $120,900,750 | 3,490 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 6,520 |
| Cost of funding earning assets | 3.3972% | 152 |
| Net interest margin | 1.6799% | 7,968 |
| Noninterest income to average assets | -0.3031% | 8,094 |
| Noninterest expense to average assets | 1.3511% | 8,035 |
| Loan and lease loss provision to assets | -0.4515% | 8,184 |
| Net operating income to assets | 0.4502% | 4,288 |
| Return on assets (ROA) | 0.4502% | 4,395 |
| Pretax return on assets | 0.4502% | 4,788 |
| Return on Equity (ROE) | 4.8971% | 4,121 |
| Retained earnings to average equity (ytd only) | 4.8971% | 2,564 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1009% | 1,169 |
| Assets per employee ($millions) | 10.7591% | 218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1777% | 5,092 |
| Loan loss allowance to noncurrent loans | 44.4409% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 1.2219% | 4,490 |
| Noncurrent loans to loans | 2.6501% | 2,730 |
| Net loans and leases to total assets | 39.0780% | 7,592 |
| Net loans and leases to deposits | 43.0944% | 7,727 |
| Net loans and leases to core deposits | 55.9748% | 7,591 |
| Total domestic deposits to total assets | 90.6800% | 563 |
| Equity capital to assets | 9.1590% | 5,079 |
| Core capital (leverage) ratio | 8.9735% | 4,673 |
| Tier 1 risk-based capital ratio | 17.8241% | 2,063 |
| Total risk-based capital ratio | 18.7510% | 2,103 |
| Memoranda: | ||
| Average total assets | $293,679,670 | 2,296 |
| Average earning assets | $288,947,000 | 2,176 |
| Average equity | $26,995,330 | 2,479 |
| Average total loans | $121,868,000 | 3,494 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2797% | 5,982 |
| Cost of funding earning assets | 3.5133% | 148 |
| Net interest margin | 1.7664% | 7,982 |
| Noninterest income to average assets | -0.7975% | 8,207 |
| Noninterest expense to average assets | 1.2391% | 8,101 |
| Loan and lease loss provision to assets | -0.9245% | 8,236 |
| Net operating income to assets | 0.6264% | 3,904 |
| Return on assets (ROA) | 0.6264% | 4,086 |
| Pretax return on assets | 0.6264% | 4,670 |
| Return on Equity (ROE) | 6.8023% | 3,669 |
| Retained earnings to average equity (ytd only) | 6.8023% | 2,285 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.6716% | 488 |
| Assets per employee ($millions) | 10.4960% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1535% | 5,099 |
| Loan loss allowance to noncurrent loans | 45.8484% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 1.1753% | 4,321 |
| Noncurrent loans to loans | 2.5159% | 2,620 |
| Net loans and leases to total assets | 40.7347% | 7,533 |
| Net loans and leases to deposits | 44.9105% | 7,693 |
| Net loans and leases to core deposits | 58.8686% | 7,501 |
| Total domestic deposits to total assets | 90.7019% | 514 |
| Equity capital to assets | 9.1739% | 5,118 |
| Core capital (leverage) ratio | 9.1155% | 4,527 |
| Tier 1 risk-based capital ratio | 19.8005% | 1,653 |
| Total risk-based capital ratio | 20.8337% | 1,654 |
| Memoranda: | ||
| Average total assets | $289,892,500 | 2,335 |
| Average earning assets | $285,319,000 | 2,212 |
| Average equity | $26,697,000 | 2,516 |
| Average total loans | $123,238,500 | 3,496 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5681% | 7,157 |
| Cost of funding earning assets | 3.7801% | 215 |
| Net interest margin | 1.7880% | 8,130 |
| Noninterest income to average assets | 0.2349% | 6,758 |
| Noninterest expense to average assets | 1.1733% | 8,170 |
| Loan and lease loss provision to assets | 0.2828% | 4,130 |
| Net operating income to assets | 0.5431% | 4,560 |
| Return on assets (ROA) | 0.5446% | 4,405 |
| Pretax return on assets | 0.5446% | 4,866 |
| Return on Equity (ROE) | 5.7324% | 4,055 |
| Retained earnings to average equity (ytd only) | 5.7324% | 1,650 |
| Net charge-offs to loans | 0.6335% | 1,942 |
| Credit loss provision to net charge-offs | 95.7553% | 5,521 |
| Earnings coverage of net charge-offs (x) | 2.7965% | 4,688 |
| Efficiency ratio | 58.6868% | 6,575 |
| Assets per employee ($millions) | 10.2106% | 245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6488% | 2,070 |
| Loan loss allowance to noncurrent loans | 103.4535% | 3,360 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 4,733 |
| Noncurrent loans to loans | 1.5937% | 3,382 |
| Net loans and leases to total assets | 43.1269% | 7,522 |
| Net loans and leases to deposits | 47.5777% | 7,730 |
| Net loans and leases to core deposits | 62.8996% | 7,479 |
| Total domestic deposits to total assets | 90.6453% | 444 |
| Equity capital to assets | 9.2456% | 5,008 |
| Core capital (leverage) ratio | 9.2091% | 4,426 |
| Tier 1 risk-based capital ratio | 20.3742% | 1,555 |
| Total risk-based capital ratio | 21.5029% | 1,545 |
| Memoranda: | ||
| Average total assets | $271,205,600 | 2,373 |
| Average earning assets | $267,614,600 | 2,241 |
| Average equity | $25,765,600 | 2,578 |
| Average total loans | $126,447,200 | 3,326 |