Home > Houston Community Bank > Performance and Condition Ratios
Houston Community Bank, Performance and Condition Ratios
| 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 | 4.1257% | 3,271 |
| Cost of funding earning assets | 0.2031% | 5,799 |
| Net interest margin | 3.9226% | 2,146 |
| Noninterest income to average assets | 0.3652% | 4,504 |
| Noninterest expense to average assets | 3.5367% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5867% | 4,500 |
| Return on assets (ROA) | -0.3483% | 6,327 |
| Pretax return on assets | -0.3483% | 6,314 |
| Return on Equity (ROE) | -4.2664% | 6,349 |
| Retained earnings to average equity (ytd only) | -19.7884% | 6,487 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7315% | 1,207 |
| Assets per employee ($millions) | 4.6958% | 2,679 |
| Cash dividends to net income (ytd only)* | -363.8202% | 6,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0524% | 4,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 59.8093% | 3,821 |
| Net loans and leases to deposits | 64.8635% | 4,445 |
| Net loans and leases to core deposits | 84.9102% | 2,788 |
| Total domestic deposits to total assets | 92.2079% | 131 |
| Equity capital to assets | 7.6150% | 6,282 |
| Core capital (leverage) ratio | 7.4279% | 6,304 |
| Tier 1 risk-based capital ratio | 12.1022% | 5,424 |
| Total risk-based capital ratio | 13.1582% | 5,470 |
| Memoranda: | ||
| Average total assets | $322,706,750 | 2,027 |
| Average earning assets | $309,176,000 | 1,954 |
| Average equity | $26,344,750 | 2,545 |
| Average total loans | $201,779,500 | 2,041 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 3,133 |
| Cost of funding earning assets | 0.2085% | 5,844 |
| Net interest margin | 3.9454% | 1,991 |
| Noninterest income to average assets | 0.3636% | 4,521 |
| Noninterest expense to average assets | 2.8493% | 3,338 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2903% | 1,339 |
| Return on assets (ROA) | 1.2903% | 1,396 |
| Pretax return on assets | 1.2903% | 2,291 |
| Return on Equity (ROE) | 15.4503% | 721 |
| Retained earnings to average equity (ytd only) | 10.2977% | 656 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8008% | 3,862 |
| Assets per employee ($millions) | 4.6376% | 2,720 |
| Cash dividends to net income (ytd only)* | 33.3494% | 2,653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0220% | 5,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 63.2867% | 3,199 |
| Net loans and leases to deposits | 69.5273% | 3,881 |
| Net loans and leases to core deposits | 92.1314% | 1,930 |
| Total domestic deposits to total assets | 91.0243% | 412 |
| Equity capital to assets | 8.8570% | 5,463 |
| Core capital (leverage) ratio | 9.0680% | 4,910 |
| Tier 1 risk-based capital ratio | 14.2732% | 4,082 |
| Total risk-based capital ratio | 15.2935% | 4,166 |
| Memoranda: | ||
| Average total assets | $320,707,330 | 2,040 |
| Average earning assets | $306,941,330 | 1,967 |
| Average equity | $26,782,670 | 2,496 |
| Average total loans | $202,810,330 | 2,028 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 3,174 |
| Cost of funding earning assets | 0.2147% | 5,886 |
| Net interest margin | 3.9135% | 2,044 |
| Noninterest income to average assets | 0.3650% | 4,471 |
| Noninterest expense to average assets | 2.9938% | 2,874 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1175% | 1,739 |
| Return on assets (ROA) | 1.1175% | 1,804 |
| Pretax return on assets | 1.1175% | 2,821 |
| Return on Equity (ROE) | 13.7984% | 977 |
| Retained earnings to average equity (ytd only) | 7.4299% | 1,849 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7879% | 3,343 |
| Assets per employee ($millions) | 4.6807% | 2,685 |
| Cash dividends to net income (ytd only)* | 46.1538% | 1,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0368% | 5,370 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 6,306 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 61.7979% | 3,273 |
| Net loans and leases to deposits | 67.4282% | 3,922 |
| Net loans and leases to core deposits | 89.0028% | 1,999 |
| Total domestic deposits to total assets | 91.6500% | 345 |
| Equity capital to assets | 8.2438% | 5,870 |
| Core capital (leverage) ratio | 8.9758% | 5,052 |
| Tier 1 risk-based capital ratio | 14.1927% | 4,196 |
| Total risk-based capital ratio | 15.2394% | 4,282 |
| Memoranda: | ||
| Average total assets | $321,063,000 | 2,034 |
| Average earning assets | $307,348,500 | 1,966 |
| Average equity | $26,003,000 | 2,548 |
| Average total loans | $201,912,500 | 2,038 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3853% | 2,637 |
| Cost of funding earning assets | 0.2644% | 5,878 |
| Net interest margin | 4.1209% | 1,587 |
| Noninterest income to average assets | 0.4135% | 4,351 |
| Noninterest expense to average assets | 2.8721% | 3,454 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4658% | 886 |
| Return on assets (ROA) | 1.4658% | 932 |
| Pretax return on assets | 1.4658% | 1,565 |
| Return on Equity (ROE) | 17.3101% | 476 |
| Retained earnings to average equity (ytd only) | 9.1256% | 748 |
| Net charge-offs to loans | 0.0238% | 4,949 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 97.2889% | 471 |
| Efficiency ratio | 66.1701% | 4,527 |
| Assets per employee ($millions) | 4.4952% | 2,908 |
| Cash dividends to net income (ytd only)* | 47.2819% | 2,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0344% | 5,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0191% | 6,352 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 62.6823% | 3,255 |
| Net loans and leases to deposits | 68.2030% | 4,022 |
| Net loans and leases to core deposits | 90.0710% | 2,014 |
| Total domestic deposits to total assets | 91.9056% | 300 |
| Equity capital to assets | 7.9525% | 6,054 |
| Core capital (leverage) ratio | 8.9941% | 5,017 |
| Tier 1 risk-based capital ratio | 13.9025% | 4,362 |
| Total risk-based capital ratio | 14.9456% | 4,472 |
| Memoranda: | ||
| Average total assets | $298,667,400 | 2,153 |
| Average earning assets | $284,426,600 | 2,079 |
| Average equity | $25,291,600 | 2,604 |
| Average total loans | $189,022,000 | 2,109 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4165% | 2,539 |
| Cost of funding earning assets | 0.2765% | 5,916 |
| Net interest margin | 4.1400% | 1,510 |
| Noninterest income to average assets | 0.4201% | 4,366 |
| Noninterest expense to average assets | 2.9305% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4267% | 1,040 |
| Return on assets (ROA) | 1.4267% | 1,098 |
| Pretax return on assets | 1.4267% | 1,844 |
| Return on Equity (ROE) | 16.5731% | 583 |
| Retained earnings to average equity (ytd only) | 7.1073% | 1,825 |
| Net charge-offs to loans | -0.0172% | 6,014 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2157% | 4,257 |
| Assets per employee ($millions) | 4.1995% | 3,421 |
| Cash dividends to net income (ytd only)* | 57.1155% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1020% | 5,324 |
| Loan loss allowance to noncurrent loans | 1,728.0000% | 302 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 6,349 |
| Noncurrent loans to loans | 0.0638% | 6,149 |
| Net loans and leases to total assets | 64.1079% | 2,985 |
| Net loans and leases to deposits | 69.9227% | 3,796 |
| Net loans and leases to core deposits | 92.8753% | 1,692 |
| Total domestic deposits to total assets | 91.6839% | 318 |
| Equity capital to assets | 8.1609% | 6,037 |
| Core capital (leverage) ratio | 9.0626% | 5,023 |
| Tier 1 risk-based capital ratio | 13.7524% | 4,597 |
| Total risk-based capital ratio | 14.8564% | 4,644 |
| Memoranda: | ||
| Average total assets | $293,545,000 | 2,198 |
| Average earning assets | $279,156,500 | 2,129 |
| Average equity | $25,269,250 | 2,630 |
| Average total loans | $185,741,000 | 2,144 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 2,460 |
| Cost of funding earning assets | 0.2899% | 5,904 |
| Net interest margin | 4.1398% | 1,436 |
| Noninterest income to average assets | 0.4171% | 4,397 |
| Noninterest expense to average assets | 2.9786% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3696% | 1,142 |
| Return on assets (ROA) | 1.3696% | 1,224 |
| Pretax return on assets | 1.3696% | 2,039 |
| Return on Equity (ROE) | 15.6281% | 712 |
| Retained earnings to average equity (ytd only) | 5.8743% | 2,508 |
| Net charge-offs to loans | -0.0274% | 6,073 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4552% | 4,104 |
| Assets per employee ($millions) | 3.9814% | 3,844 |
| Cash dividends to net income (ytd only)* | 62.4121% | 1,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1791% | 5,103 |
| Loan loss allowance to noncurrent loans | 2,098.0583% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 6,413 |
| Noncurrent loans to loans | 0.0562% | 6,221 |
| Net loans and leases to total assets | 61.4718% | 3,392 |
| Net loans and leases to deposits | 66.9694% | 4,155 |
| Net loans and leases to core deposits | 89.3661% | 1,967 |
| Total domestic deposits to total assets | 91.7909% | 297 |
| Equity capital to assets | 8.0784% | 6,147 |
| Core capital (leverage) ratio | 9.0166% | 4,954 |
| Tier 1 risk-based capital ratio | 14.2845% | 4,240 |
| Total risk-based capital ratio | 15.4579% | 4,247 |
| Memoranda: | ||
| Average total assets | $290,604,330 | 2,220 |
| Average earning assets | $275,955,330 | 2,152 |
| Average equity | $25,467,000 | 2,633 |
| Average total loans | $182,321,000 | 2,176 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4092% | 2,492 |
| Cost of funding earning assets | 0.3100% | 5,890 |
| Net interest margin | 4.0992% | 1,466 |
| Noninterest income to average assets | 0.4172% | 4,328 |
| Noninterest expense to average assets | 2.9952% | 3,010 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3070% | 1,257 |
| Return on assets (ROA) | 1.3070% | 1,361 |
| Pretax return on assets | 1.3070% | 2,209 |
| Return on Equity (ROE) | 14.3422% | 894 |
| Retained earnings to average equity (ytd only) | 3.8479% | 3,927 |
| Net charge-offs to loans | -0.0506% | 6,145 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5876% | 4,041 |
| Assets per employee ($millions) | 3.7867% | 4,381 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1746% | 5,298 |
| Loan loss allowance to noncurrent loans | 5,681.5789% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 6,040 |
| Noncurrent loans to loans | 0.0207% | 6,435 |
| Net loans and leases to total assets | 63.9615% | 2,714 |
| Net loans and leases to deposits | 70.4873% | 3,400 |
| Net loans and leases to core deposits | 95.2774% | 1,247 |
| Total domestic deposits to total assets | 90.7420% | 645 |
| Equity capital to assets | 9.1387% | 5,326 |
| Core capital (leverage) ratio | 8.8059% | 5,182 |
| Tier 1 risk-based capital ratio | 13.7733% | 4,673 |
| Total risk-based capital ratio | 14.9254% | 4,707 |
| Memoranda: | ||
| Average total assets | $288,593,500 | 2,259 |
| Average earning assets | $273,520,000 | 2,192 |
| Average equity | $26,300,000 | 2,581 |
| Average total loans | $181,845,000 | 2,192 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8427% | 2,050 |
| Cost of funding earning assets | 0.3738% | 6,082 |
| Net interest margin | 4.4689% | 1,005 |
| Noninterest income to average assets | 0.5028% | 3,878 |
| Noninterest expense to average assets | 3.2944% | 2,356 |
| Loan and lease loss provision to assets | 0.0038% | 5,876 |
| Net operating income to assets | 1.4060% | 1,094 |
| Return on assets (ROA) | 1.7320% | 645 |
| Pretax return on assets | 1.7320% | 1,067 |
| Return on Equity (ROE) | 17.7019% | 466 |
| Retained earnings to average equity (ytd only) | 8.3312% | 1,021 |
| Net charge-offs to loans | 0.0095% | 5,806 |
| Credit loss provision to net charge-offs | 58.8235% | 4,477 |
| Earnings coverage of net charge-offs (x) | 218.5294% | 194 |
| Efficiency ratio | 69.9903% | 3,819 |
| Assets per employee ($millions) | 4.0162% | 3,911 |
| Cash dividends to net income (ytd only)* | 52.9360% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 5,171 |
| Loan loss allowance to noncurrent loans | 5,621.0526% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.1716% | 6,134 |
| Noncurrent loans to loans | 0.0211% | 6,481 |
| Net loans and leases to total assets | 60.6249% | 3,486 |
| Net loans and leases to deposits | 66.8657% | 4,154 |
| Net loans and leases to core deposits | 94.9396% | 1,390 |
| Total domestic deposits to total assets | 90.6666% | 625 |
| Equity capital to assets | 9.0885% | 5,420 |
| Core capital (leverage) ratio | 8.9744% | 4,935 |
| Tier 1 risk-based capital ratio | 14.1043% | 4,306 |
| Total risk-based capital ratio | 15.2831% | 4,317 |
| Memoranda: | ||
| Average total assets | $263,510,400 | 2,404 |
| Average earning assets | $247,733,400 | 2,347 |
| Average equity | $25,782,600 | 2,587 |
| Average total loans | $178,704,600 | 2,220 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0094% | 1,673 |
| Cost of funding earning assets | 0.3862% | 6,196 |
| Net interest margin | 4.6232% | 782 |
| Noninterest income to average assets | 0.5206% | 3,798 |
| Noninterest expense to average assets | 3.3258% | 2,202 |
| Loan and lease loss provision to assets | 0.0052% | 5,745 |
| Net operating income to assets | 1.5270% | 975 |
| Return on assets (ROA) | 1.9175% | 508 |
| Pretax return on assets | 1.9175% | 839 |
| Return on Equity (ROE) | 19.2067% | 382 |
| Retained earnings to average equity (ytd only) | 10.0493% | 903 |
| Net charge-offs to loans | 0.0217% | 5,362 |
| Credit loss provision to net charge-offs | 34.4828% | 4,724 |
| Earnings coverage of net charge-offs (x) | 101.4714% | 416 |
| Efficiency ratio | 68.4171% | 3,980 |
| Assets per employee ($millions) | 3.4486% | 5,092 |
| Cash dividends to net income (ytd only)* | 47.6785% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1949% | 5,306 |
| Loan loss allowance to noncurrent loans | 1,485.3147% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.2320% | 6,122 |
| Noncurrent loans to loans | 0.0804% | 6,412 |
| Net loans and leases to total assets | 67.0088% | 2,455 |
| Net loans and leases to deposits | 74.7007% | 3,185 |
| Net loans and leases to core deposits | 97.3041% | 1,313 |
| Total domestic deposits to total assets | 89.7030% | 1,007 |
| Equity capital to assets | 10.1062% | 4,346 |
| Core capital (leverage) ratio | 9.7559% | 3,867 |
| Tier 1 risk-based capital ratio | 14.0411% | 4,490 |
| Total risk-based capital ratio | 15.2183% | 4,501 |
| Memoranda: | ||
| Average total assets | $256,091,750 | 2,496 |
| Average earning assets | $240,262,750 | 2,440 |
| Average equity | $25,566,750 | 2,633 |
| Average total loans | $178,411,000 | 2,251 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0477% | 1,668 |
| Cost of funding earning assets | 0.3982% | 6,274 |
| Net interest margin | 4.6495% | 748 |
| Noninterest income to average assets | 0.5431% | 3,632 |
| Noninterest expense to average assets | 3.3547% | 2,142 |
| Loan and lease loss provision to assets | 0.0079% | 5,557 |
| Net operating income to assets | 1.5365% | 940 |
| Return on assets (ROA) | 1.7482% | 692 |
| Pretax return on assets | 1.7482% | 1,141 |
| Return on Equity (ROE) | 17.5853% | 559 |
| Retained earnings to average equity (ytd only) | 9.1292% | 1,229 |
| Net charge-offs to loans | 0.0302% | 4,955 |
| Credit loss provision to net charge-offs | 37.0370% | 4,321 |
| Earnings coverage of net charge-offs (x) | 72.6667% | 553 |
| Efficiency ratio | 68.4287% | 4,054 |
| Assets per employee ($millions) | 3.4353% | 5,128 |
| Cash dividends to net income (ytd only)* | 48.0864% | 1,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 5,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1805% | 6,340 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 67.4722% | 2,377 |
| Net loans and leases to deposits | 75.0833% | 3,117 |
| Net loans and leases to core deposits | 99.3536% | 1,142 |
| Total domestic deposits to total assets | 89.8631% | 1,006 |
| Equity capital to assets | 9.9952% | 4,344 |
| Core capital (leverage) ratio | 9.6971% | 3,840 |
| Tier 1 risk-based capital ratio | 13.9317% | 4,496 |
| Total risk-based capital ratio | 15.1378% | 4,503 |
| Memoranda: | ||
| Average total assets | $254,090,000 | 2,507 |
| Average earning assets | $238,047,330 | 2,450 |
| Average equity | $25,259,670 | 2,638 |
| Average total loans | $178,630,670 | 2,250 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1561% | 1,413 |
| Cost of funding earning assets | 0.4204% | 6,313 |
| Net interest margin | 4.7358% | 645 |
| Noninterest income to average assets | 0.4804% | 4,058 |
| Noninterest expense to average assets | 3.4164% | 1,966 |
| Loan and lease loss provision to assets | 0.0159% | 5,122 |
| Net operating income to assets | 1.4775% | 1,067 |
| Return on assets (ROA) | 1.8992% | 566 |
| Pretax return on assets | 1.8992% | 879 |
| Return on Equity (ROE) | 19.1577% | 441 |
| Retained earnings to average equity (ytd only) | 8.2356% | 1,888 |
| Net charge-offs to loans | 0.0200% | 4,409 |
| Credit loss provision to net charge-offs | 111.1111% | 2,113 |
| Earnings coverage of net charge-offs (x) | 104.6667% | 333 |
| Efficiency ratio | 69.5512% | 3,890 |
| Assets per employee ($millions) | 3.1936% | 5,785 |
| Cash dividends to net income (ytd only)* | 57.0117% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 5,488 |
| Loan loss allowance to noncurrent loans | 2,748.7179% | 178 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 5,774 |
| Noncurrent loans to loans | 0.0437% | 6,644 |
| Net loans and leases to total assets | 70.8596% | 1,601 |
| Net loans and leases to deposits | 78.8909% | 2,356 |
| Net loans and leases to core deposits | 104.3480% | 753 |
| Total domestic deposits to total assets | 89.8198% | 1,173 |
| Equity capital to assets | 10.0248% | 4,093 |
| Core capital (leverage) ratio | 9.4966% | 4,052 |
| Tier 1 risk-based capital ratio | 13.3230% | 4,952 |
| Total risk-based capital ratio | 14.5172% | 4,996 |
| Memoranda: | ||
| Average total assets | $252,313,000 | 2,542 |
| Average earning assets | $235,991,000 | 2,483 |
| Average equity | $25,013,500 | 2,664 |
| Average total loans | $179,964,000 | 2,243 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 1,534 |
| Cost of funding earning assets | 0.6634% | 5,750 |
| Net interest margin | 4.6962% | 761 |
| Noninterest income to average assets | 0.4804% | 3,990 |
| Noninterest expense to average assets | 3.3312% | 2,417 |
| Loan and lease loss provision to assets | 0.0739% | 5,687 |
| Net operating income to assets | 1.5171% | 795 |
| Return on assets (ROA) | 1.7857% | 512 |
| Pretax return on assets | 1.7857% | 828 |
| Return on Equity (ROE) | 18.8475% | 325 |
| Retained earnings to average equity (ytd only) | 8.4409% | 939 |
| Net charge-offs to loans | 0.0144% | 6,237 |
| Credit loss provision to net charge-offs | 740.0000% | 296 |
| Earnings coverage of net charge-offs (x) | 159.2400% | 215 |
| Efficiency ratio | 67.6600% | 4,429 |
| Assets per employee ($millions) | 3.5490% | 4,889 |
| Cash dividends to net income (ytd only)* | 55.2149% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1822% | 5,477 |
| Loan loss allowance to noncurrent loans | 653.3537% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.3385% | 6,127 |
| Noncurrent loans to loans | 0.1809% | 6,384 |
| Net loans and leases to total assets | 70.1023% | 2,012 |
| Net loans and leases to deposits | 78.0026% | 2,842 |
| Net loans and leases to core deposits | 108.8599% | 662 |
| Total domestic deposits to total assets | 89.8718% | 1,061 |
| Equity capital to assets | 9.8053% | 4,439 |
| Core capital (leverage) ratio | 9.2037% | 4,459 |
| Tier 1 risk-based capital ratio | 12.9672% | 5,095 |
| Total risk-based capital ratio | 14.1546% | 5,127 |
| Memoranda: | ||
| Average total assets | $250,213,200 | 2,519 |
| Average earning assets | $236,660,400 | 2,436 |
| Average equity | $23,706,000 | 2,701 |
| Average total loans | $173,925,600 | 2,331 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3635% | 1,637 |
| Cost of funding earning assets | 0.7111% | 5,692 |
| Net interest margin | 4.6524% | 845 |
| Noninterest income to average assets | 0.4398% | 4,365 |
| Noninterest expense to average assets | 3.2228% | 2,755 |
| Loan and lease loss provision to assets | 0.0830% | 5,403 |
| Net operating income to assets | 1.5466% | 856 |
| Return on assets (ROA) | 1.9066% | 454 |
| Pretax return on assets | 1.9066% | 770 |
| Return on Equity (ROE) | 20.3058% | 288 |
| Retained earnings to average equity (ytd only) | 10.1215% | 812 |
| Net charge-offs to loans | 0.0155% | 5,936 |
| Credit loss provision to net charge-offs | 775.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 152.0772% | 254 |
| Efficiency ratio | 66.4164% | 4,635 |
| Assets per employee ($millions) | 3.6591% | 4,616 |
| Cash dividends to net income (ytd only)* | 50.1546% | 1,587 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 5,485 |
| Loan loss allowance to noncurrent loans | 547.2868% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.3541% | 6,191 |
| Noncurrent loans to loans | 0.2185% | 6,440 |
| Net loans and leases to total assets | 67.3734% | 2,597 |
| Net loans and leases to deposits | 74.5953% | 3,576 |
| Net loans and leases to core deposits | 108.2770% | 759 |
| Total domestic deposits to total assets | 90.3185% | 712 |
| Equity capital to assets | 9.4690% | 5,134 |
| Core capital (leverage) ratio | 8.9588% | 4,997 |
| Tier 1 risk-based capital ratio | 12.9988% | 5,100 |
| Total risk-based capital ratio | 14.1868% | 5,121 |
| Memoranda: | ||
| Average total assets | $248,885,250 | 2,545 |
| Average earning assets | $236,058,250 | 2,448 |
| Average equity | $23,368,750 | 2,743 |
| Average total loans | $172,089,000 | 2,365 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3189% | 1,825 |
| Cost of funding earning assets | 0.7340% | 5,759 |
| Net interest margin | 4.5848% | 938 |
| Noninterest income to average assets | 0.4232% | 4,485 |
| Noninterest expense to average assets | 3.1217% | 3,174 |
| Loan and lease loss provision to assets | 0.1019% | 5,034 |
| Net operating income to assets | 1.5649% | 779 |
| Return on assets (ROA) | 1.7125% | 631 |
| Pretax return on assets | 1.7125% | 1,031 |
| Return on Equity (ROE) | 18.2940% | 442 |
| Retained earnings to average equity (ytd only) | 7.5005% | 1,658 |
| Net charge-offs to loans | 0.0423% | 5,266 |
| Credit loss provision to net charge-offs | 347.2222% | 886 |
| Earnings coverage of net charge-offs (x) | 56.7778% | 561 |
| Efficiency ratio | 65.1907% | 5,026 |
| Assets per employee ($millions) | 3.5182% | 4,900 |
| Cash dividends to net income (ytd only)* | 59.0000% | 1,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2505% | 5,305 |
| Loan loss allowance to noncurrent loans | 121.1696% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 5,053 |
| Noncurrent loans to loans | 1.0320% | 4,934 |
| Net loans and leases to total assets | 66.4378% | 2,943 |
| Net loans and leases to deposits | 73.5722% | 3,871 |
| Net loans and leases to core deposits | 122.1462% | 373 |
| Total domestic deposits to total assets | 90.3028% | 814 |
| Equity capital to assets | 9.5283% | 4,776 |
| Core capital (leverage) ratio | 9.5276% | 3,914 |
| Tier 1 risk-based capital ratio | 13.9393% | 4,209 |
| Total risk-based capital ratio | 15.1793% | 4,190 |
| Memoranda: | ||
| Average total assets | $245,249,000 | 2,600 |
| Average earning assets | $233,508,330 | 2,494 |
| Average equity | $22,958,330 | 2,764 |
| Average total loans | $170,402,000 | 2,407 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4394% | 1,452 |
| Cost of funding earning assets | 0.7680% | 5,764 |
| Net interest margin | 4.6714% | 749 |
| Noninterest income to average assets | 0.4527% | 4,257 |
| Noninterest expense to average assets | 3.1495% | 3,068 |
| Loan and lease loss provision to assets | 0.1226% | 4,472 |
| Net operating income to assets | 1.6344% | 644 |
| Return on assets (ROA) | 1.6344% | 681 |
| Pretax return on assets | 1.6344% | 1,119 |
| Return on Equity (ROE) | 17.6177% | 513 |
| Retained earnings to average equity (ytd only) | 5.4262% | 2,948 |
| Net charge-offs to loans | 0.0903% | 4,039 |
| Credit loss provision to net charge-offs | 192.3077% | 1,537 |
| Earnings coverage of net charge-offs (x) | 27.5641% | 894 |
| Efficiency ratio | 64.1905% | 5,332 |
| Assets per employee ($millions) | 3.5448% | 4,891 |
| Cash dividends to net income (ytd only)* | 69.2000% | 1,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,672 |
| Loan loss allowance to noncurrent loans | 2,218.6813% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 6,428 |
| Noncurrent loans to loans | 0.0538% | 6,913 |
| Net loans and leases to total assets | 68.3762% | 2,478 |
| Net loans and leases to deposits | 75.5739% | 3,482 |
| Net loans and leases to core deposits | 124.4351% | 333 |
| Total domestic deposits to total assets | 90.4759% | 853 |
| Equity capital to assets | 9.3429% | 4,662 |
| Core capital (leverage) ratio | 9.1853% | 4,316 |
| Tier 1 risk-based capital ratio | 13.4166% | 4,488 |
| Total risk-based capital ratio | 14.6078% | 4,518 |
| Memoranda: | ||
| Average total assets | $244,735,000 | 2,617 |
| Average earning assets | $233,335,500 | 2,512 |
| Average equity | $22,704,500 | 2,779 |
| Average total loans | $172,756,500 | 2,393 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0493% | 776 |
| Cost of funding earning assets | 0.8507% | 6,367 |
| Net interest margin | 5.1986% | 282 |
| Noninterest income to average assets | 0.4557% | 4,477 |
| Noninterest expense to average assets | 3.2939% | 2,760 |
| Loan and lease loss provision to assets | 0.1675% | 5,541 |
| Net operating income to assets | 1.9318% | 317 |
| Return on assets (ROA) | 1.9318% | 335 |
| Pretax return on assets | 1.9318% | 568 |
| Return on Equity (ROE) | 21.2905% | 187 |
| Retained earnings to average equity (ytd only) | 9.1634% | 668 |
| Net charge-offs to loans | 0.0607% | 6,186 |
| Credit loss provision to net charge-offs | 353.9823% | 728 |
| Earnings coverage of net charge-offs (x) | 44.3540% | 526 |
| Efficiency ratio | 61.0749% | 5,879 |
| Assets per employee ($millions) | 3.6012% | 4,704 |
| Cash dividends to net income (ytd only)* | 56.9601% | 1,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1251% | 5,848 |
| Loan loss allowance to noncurrent loans | 301.3678% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.5721% | 5,883 |
| Noncurrent loans to loans | 0.3733% | 6,305 |
| Net loans and leases to total assets | 71.1654% | 2,265 |
| Net loans and leases to deposits | 78.6974% | 3,391 |
| Net loans and leases to core deposits | 123.7706% | 430 |
| Total domestic deposits to total assets | 90.4292% | 874 |
| Equity capital to assets | 9.2115% | 4,824 |
| Core capital (leverage) ratio | 9.0933% | 4,369 |
| Tier 1 risk-based capital ratio | 12.7917% | 4,779 |
| Total risk-based capital ratio | 13.9225% | 4,854 |
| Memoranda: | ||
| Average total assets | $238,744,200 | 2,648 |
| Average earning assets | $226,752,400 | 2,554 |
| Average equity | $21,662,200 | 2,918 |
| Average total loans | $186,299,400 | 2,287 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1698% | 656 |
| Cost of funding earning assets | 0.8664% | 6,519 |
| Net interest margin | 5.3033% | 242 |
| Noninterest income to average assets | 0.4845% | 4,299 |
| Noninterest expense to average assets | 3.3067% | 2,552 |
| Loan and lease loss provision to assets | 0.1658% | 5,385 |
| Net operating income to assets | 2.0454% | 314 |
| Return on assets (ROA) | 2.0454% | 336 |
| Pretax return on assets | 2.0454% | 568 |
| Return on Equity (ROE) | 22.6316% | 174 |
| Retained earnings to average equity (ytd only) | 10.5478% | 673 |
| Net charge-offs to loans | 0.0530% | 5,994 |
| Credit loss provision to net charge-offs | 393.3333% | 774 |
| Earnings coverage of net charge-offs (x) | 52.4520% | 548 |
| Efficiency ratio | 59.9267% | 5,970 |
| Assets per employee ($millions) | 3.6410% | 4,644 |
| Cash dividends to net income (ytd only)* | 53.3937% | 1,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0417% | 6,208 |
| Loan loss allowance to noncurrent loans | 286.8263% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.5989% | 5,941 |
| Noncurrent loans to loans | 0.3632% | 6,466 |
| Net loans and leases to total assets | 74.6106% | 1,658 |
| Net loans and leases to deposits | 82.4345% | 3,025 |
| Net loans and leases to core deposits | 129.8147% | 378 |
| Total domestic deposits to total assets | 90.5089% | 635 |
| Equity capital to assets | 9.1373% | 5,395 |
| Core capital (leverage) ratio | 9.1859% | 4,393 |
| Tier 1 risk-based capital ratio | 12.0656% | 5,399 |
| Total risk-based capital ratio | 13.1097% | 5,560 |
| Memoranda: | ||
| Average total assets | $237,210,500 | 2,704 |
| Average earning assets | $225,135,250 | 2,602 |
| Average equity | $21,438,500 | 2,990 |
| Average total loans | $188,811,250 | 2,294 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2512% | 564 |
| Cost of funding earning assets | 0.8910% | 6,622 |
| Net interest margin | 5.3602% | 220 |
| Noninterest income to average assets | 0.4877% | 4,212 |
| Noninterest expense to average assets | 3.3554% | 2,390 |
| Loan and lease loss provision to assets | 0.1617% | 5,274 |
| Net operating income to assets | 2.0556% | 306 |
| Return on assets (ROA) | 2.0556% | 332 |
| Pretax return on assets | 2.0556% | 544 |
| Return on Equity (ROE) | 22.8318% | 180 |
| Retained earnings to average equity (ytd only) | 10.9196% | 674 |
| Net charge-offs to loans | 0.0116% | 6,183 |
| Credit loss provision to net charge-offs | 1,727.2727% | 232 |
| Earnings coverage of net charge-offs (x) | 236.8182% | 142 |
| Efficiency ratio | 60.2108% | 6,010 |
| Assets per employee ($millions) | 3.4653% | 5,008 |
| Cash dividends to net income (ytd only)* | 52.1739% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 6,467 |
| Loan loss allowance to noncurrent loans | 3,125.0000% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.3357% | 6,582 |
| Noncurrent loans to loans | 0.0315% | 7,243 |
| Net loans and leases to total assets | 80.0329% | 797 |
| Net loans and leases to deposits | 88.4621% | 2,099 |
| Net loans and leases to core deposits | 141.8328% | 267 |
| Total domestic deposits to total assets | 90.4714% | 696 |
| Equity capital to assets | 9.2362% | 5,098 |
| Core capital (leverage) ratio | 9.2163% | 4,275 |
| Tier 1 risk-based capital ratio | 11.1342% | 6,109 |
| Total risk-based capital ratio | 12.1007% | 6,390 |
| Memoranda: | ||
| Average total assets | $234,966,000 | 2,754 |
| Average earning assets | $222,900,670 | 2,650 |
| Average equity | $21,154,670 | 3,019 |
| Average total loans | $190,440,330 | 2,308 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2664% | 563 |
| Cost of funding earning assets | 0.9224% | 6,687 |
| Net interest margin | 5.3440% | 225 |
| Noninterest income to average assets | 0.4552% | 4,422 |
| Noninterest expense to average assets | 3.3619% | 2,338 |
| Loan and lease loss provision to assets | 0.1449% | 5,104 |
| Net operating income to assets | 2.0151% | 336 |
| Return on assets (ROA) | 2.0151% | 369 |
| Pretax return on assets | 2.0151% | 587 |
| Return on Equity (ROE) | 22.6763% | 243 |
| Retained earnings to average equity (ytd only) | 11.6067% | 812 |
| Net charge-offs to loans | 0.0105% | 5,442 |
| Credit loss provision to net charge-offs | 1,700.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 253.4000% | 134 |
| Efficiency ratio | 60.8830% | 6,021 |
| Assets per employee ($millions) | 3.5053% | 5,014 |
| Cash dividends to net income (ytd only)* | 48.8156% | 1,506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9458% | 6,689 |
| Loan loss allowance to noncurrent loans | 88,800.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.3002% | 6,729 |
| Noncurrent loans to loans | 0.0011% | 7,423 |
| Net loans and leases to total assets | 79.1988% | 948 |
| Net loans and leases to deposits | 87.2850% | 2,360 |
| Net loans and leases to core deposits | 136.9863% | 371 |
| Total domestic deposits to total assets | 90.7359% | 643 |
| Equity capital to assets | 9.0121% | 5,258 |
| Core capital (leverage) ratio | 9.1411% | 4,311 |
| Tier 1 risk-based capital ratio | 11.1854% | 5,978 |
| Total risk-based capital ratio | 12.1292% | 6,250 |
| Memoranda: | ||
| Average total assets | $234,630,000 | 2,817 |
| Average earning assets | $222,456,000 | 2,708 |
| Average equity | $20,850,000 | 3,084 |
| Average total loans | $190,429,000 | 2,367 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6658% | 503 |
| Cost of funding earning assets | 1.3005% | 6,303 |
| Net interest margin | 5.3653% | 222 |
| Noninterest income to average assets | 0.4100% | 5,123 |
| Noninterest expense to average assets | 3.3198% | 2,950 |
| Loan and lease loss provision to assets | 0.1303% | 6,333 |
| Net operating income to assets | 1.8801% | 304 |
| Return on assets (ROA) | 1.8801% | 312 |
| Pretax return on assets | 1.8801% | 538 |
| Return on Equity (ROE) | 22.3232% | 151 |
| Retained earnings to average equity (ytd only) | 11.3859% | 257 |
| Net charge-offs to loans | 0.0310% | 6,816 |
| Credit loss provision to net charge-offs | 517.2414% | 595 |
| Earnings coverage of net charge-offs (x) | 79.8103% | 343 |
| Efficiency ratio | 62.2831% | 6,111 |
| Assets per employee ($millions) | 3.4472% | 5,134 |
| Cash dividends to net income (ytd only)* | 48.9951% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8784% | 6,895 |
| Loan loss allowance to noncurrent loans | 1,630.7692% | 240 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 6,617 |
| Noncurrent loans to loans | 0.0539% | 7,288 |
| Net loans and leases to total assets | 81.6465% | 742 |
| Net loans and leases to deposits | 89.8787% | 2,228 |
| Net loans and leases to core deposits | 175.2041% | 195 |
| Total domestic deposits to total assets | 90.8408% | 599 |
| Equity capital to assets | 8.7604% | 5,502 |
| Core capital (leverage) ratio | 8.8109% | 4,752 |
| Tier 1 risk-based capital ratio | 10.5697% | 6,322 |
| Total risk-based capital ratio | 11.4465% | 6,662 |
| Memoranda: | ||
| Average total assets | $230,257,200 | 2,821 |
| Average earning assets | $211,152,600 | 2,825 |
| Average equity | $19,392,400 | 3,294 |
| Average total loans | $187,286,400 | 2,435 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6984% | 510 |
| Cost of funding earning assets | 1.3862% | 6,286 |
| Net interest margin | 5.3121% | 243 |
| Noninterest income to average assets | 0.4473% | 4,916 |
| Noninterest expense to average assets | 3.2701% | 3,029 |
| Loan and lease loss provision to assets | 0.1309% | 6,047 |
| Net operating income to assets | 1.8765% | 378 |
| Return on assets (ROA) | 1.8765% | 401 |
| Pretax return on assets | 1.8765% | 690 |
| Return on Equity (ROE) | 22.5116% | 185 |
| Retained earnings to average equity (ytd only) | 11.5279% | 409 |
| Net charge-offs to loans | 0.0409% | 6,328 |
| Credit loss provision to net charge-offs | 394.7368% | 1,012 |
| Earnings coverage of net charge-offs (x) | 60.5424% | 547 |
| Efficiency ratio | 61.9641% | 6,112 |
| Assets per employee ($millions) | 3.3857% | 5,192 |
| Cash dividends to net income (ytd only)* | 48.7909% | 2,059 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8525% | 6,941 |
| Loan loss allowance to noncurrent loans | 744.0367% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 6,455 |
| Noncurrent loans to loans | 0.1146% | 7,190 |
| Net loans and leases to total assets | 81.9356% | 822 |
| Net loans and leases to deposits | 90.1603% | 2,547 |
| Net loans and leases to core deposits | 177.7331% | 200 |
| Total domestic deposits to total assets | 90.8777% | 454 |
| Equity capital to assets | 8.6806% | 5,986 |
| Core capital (leverage) ratio | 8.5761% | 5,337 |
| Tier 1 risk-based capital ratio | 10.3959% | 6,576 |
| Total risk-based capital ratio | 11.2437% | 6,945 |
| Memoranda: | ||
| Average total assets | $229,219,500 | 2,851 |
| Average earning assets | $208,424,000 | 2,871 |
| Average equity | $19,106,750 | 3,359 |
| Average total loans | $185,837,500 | 2,478 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7223% | 520 |
| Cost of funding earning assets | 1.4378% | 6,357 |
| Net interest margin | 5.2846% | 251 |
| Noninterest income to average assets | 0.4308% | 5,020 |
| Noninterest expense to average assets | 3.2672% | 3,093 |
| Loan and lease loss provision to assets | 0.1311% | 5,781 |
| Net operating income to assets | 1.7633% | 505 |
| Return on assets (ROA) | 1.7633% | 544 |
| Pretax return on assets | 1.7633% | 911 |
| Return on Equity (ROE) | 21.4521% | 263 |
| Retained earnings to average equity (ytd only) | 10.5241% | 636 |
| Net charge-offs to loans | 0.0466% | 5,827 |
| Credit loss provision to net charge-offs | 348.8372% | 1,329 |
| Earnings coverage of net charge-offs (x) | 50.4186% | 679 |
| Efficiency ratio | 63.2978% | 6,042 |
| Assets per employee ($millions) | 3.4865% | 4,848 |
| Cash dividends to net income (ytd only)* | 50.9415% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8260% | 7,063 |
| Loan loss allowance to noncurrent loans | 165.7113% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.4572% | 6,297 |
| Noncurrent loans to loans | 0.4984% | 6,278 |
| Net loans and leases to total assets | 79.0589% | 1,507 |
| Net loans and leases to deposits | 86.3750% | 3,484 |
| Net loans and leases to core deposits | 177.7449% | 243 |
| Total domestic deposits to total assets | 91.5298% | 317 |
| Equity capital to assets | 8.1251% | 6,600 |
| Core capital (leverage) ratio | 8.1932% | 5,994 |
| Tier 1 risk-based capital ratio | 10.0448% | 6,874 |
| Total risk-based capital ratio | 10.8603% | 7,260 |
| Memoranda: | ||
| Average total assets | $228,884,000 | 2,876 |
| Average earning assets | $204,899,000 | 2,939 |
| Average equity | $18,814,000 | 3,423 |
| Average total loans | $184,363,670 | 2,519 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9912% | 346 |
| Cost of funding earning assets | 1.4560% | 6,557 |
| Net interest margin | 5.5352% | 167 |
| Noninterest income to average assets | 0.4520% | 4,750 |
| Noninterest expense to average assets | 3.2333% | 2,847 |
| Loan and lease loss provision to assets | 0.1335% | 5,252 |
| Net operating income to assets | 1.8613% | 469 |
| Return on assets (ROA) | 1.8613% | 523 |
| Pretax return on assets | 1.8613% | 874 |
| Return on Equity (ROE) | 22.5073% | 287 |
| Retained earnings to average equity (ytd only) | 10.8018% | 1,007 |
| Net charge-offs to loans | 0.0615% | 4,596 |
| Credit loss provision to net charge-offs | 267.8571% | 1,772 |
| Earnings coverage of net charge-offs (x) | 40.0357% | 847 |
| Efficiency ratio | 61.8448% | 6,084 |
| Assets per employee ($millions) | 3.4319% | 4,991 |
| Cash dividends to net income (ytd only)* | 52.0076% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8219% | 7,078 |
| Loan loss allowance to noncurrent loans | 8,338.8889% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0471% | 7,462 |
| Noncurrent loans to loans | 0.0099% | 7,541 |
| Net loans and leases to total assets | 77.6160% | 1,910 |
| Net loans and leases to deposits | 84.6703% | 3,870 |
| Net loans and leases to core deposits | 161.7515% | 472 |
| Total domestic deposits to total assets | 91.6685% | 233 |
| Equity capital to assets | 8.0812% | 6,697 |
| Core capital (leverage) ratio | 8.8389% | 4,925 |
| Tier 1 risk-based capital ratio | 10.0843% | 6,822 |
| Total risk-based capital ratio | 10.8921% | 7,231 |
| Memoranda: | ||
| Average total assets | $224,786,500 | 2,932 |
| Average earning assets | $193,958,500 | 3,096 |
| Average equity | $18,589,500 | 3,474 |
| Average total loans | $182,049,000 | 2,567 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1161% | 887 |
| Cost of funding earning assets | 2.1783% | 5,689 |
| Net interest margin | 4.9378% | 584 |
| Noninterest income to average assets | 0.5092% | 4,549 |
| Noninterest expense to average assets | 3.1771% | 3,420 |
| Loan and lease loss provision to assets | 0.0823% | 6,357 |
| Net operating income to assets | 1.8514% | 492 |
| Return on assets (ROA) | 1.8514% | 476 |
| Pretax return on assets | 1.8514% | 851 |
| Return on Equity (ROE) | 22.1091% | 252 |
| Retained earnings to average equity (ytd only) | 10.1904% | 422 |
| Net charge-offs to loans | 0.0597% | 5,927 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 39.1667% | 956 |
| Efficiency ratio | 62.1650% | 5,924 |
| Assets per employee ($millions) | 3.2758% | 5,274 |
| Cash dividends to net income (ytd only)* | 53.9085% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8013% | 7,105 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0597% | 7,329 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 83.2599% | 1,006 |
| Net loans and leases to deposits | 91.4110% | 3,230 |
| Net loans and leases to core deposits | 166.1225% | 476 |
| Total domestic deposits to total assets | 91.0830% | 306 |
| Equity capital to assets | 8.4734% | 6,131 |
| Core capital (leverage) ratio | 8.6138% | 5,353 |
| Tier 1 risk-based capital ratio | 9.5840% | 7,223 |
| Total risk-based capital ratio | 10.3482% | 7,682 |
| Memoranda: | ||
| Average total assets | $206,603,000 | 3,046 |
| Average earning assets | $192,534,800 | 3,002 |
| Average equity | $17,300,600 | 3,686 |
| Average total loans | $170,809,800 | 2,601 |