Home > I Bank Texas, SSB > Performance and Condition Ratios
I Bank Texas, SSB, Performance and Condition Ratios
| 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 | 5.1052% | 1,558 |
| Cost of funding earning assets | 0.8979% | 2,712 |
| Net interest margin | 4.2073% | 1,741 |
| Noninterest income to average assets | 0.0460% | 6,945 |
| Noninterest expense to average assets | 1.5370% | 7,027 |
| Loan and lease loss provision to assets | 0.1279% | 3,748 |
| Net operating income to assets | 2.7466% | 131 |
| Return on assets (ROA) | 2.7466% | 156 |
| Pretax return on assets | 2.3835% | 403 |
| Return on Equity (ROE) | 19.8224% | 399 |
| Retained earnings to average equity (ytd only) | 19.8224% | 196 |
| Net charge-offs to loans | 0.0595% | 3,903 |
| Credit loss provision to net charge-offs | 277.7778% | 1,052 |
| Earnings coverage of net charge-offs (x) | 54.5556% | 592 |
| Efficiency ratio | 37.9659% | 7,152 |
| Assets per employee ($millions) | 8.3051% | 424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0646% | 2,185 |
| Loan loss allowance to noncurrent loans | 89.1241% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 2.0000% | 2,897 |
| Noncurrent loans to loans | 2.3166% | 2,792 |
| Net loans and leases to total assets | 73.4082% | 1,149 |
| Net loans and leases to deposits | 94.2714% | 640 |
| Net loans and leases to core deposits | 97.5601% | 1,158 |
| Total domestic deposits to total assets | 77.8690% | 6,279 |
| Equity capital to assets | 14.0750% | 1,001 |
| Core capital (leverage) ratio | 14.0750% | 787 |
| Tier 1 risk-based capital ratio | 22.2313% | 1,249 |
| Total risk-based capital ratio | 23.4946% | 1,220 |
| Memoranda: | ||
| Average total assets | $156,411,500 | 3,756 |
| Average earning assets | $148,790,500 | 3,641 |
| Average equity | $21,672,500 | 3,013 |
| Average total loans | $121,093,500 | 3,131 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5514% | 1,053 |
| Cost of funding earning assets | 1.0472% | 3,041 |
| Net interest margin | 4.5042% | 1,117 |
| Noninterest income to average assets | 0.0309% | 6,898 |
| Noninterest expense to average assets | 1.6290% | 7,097 |
| Loan and lease loss provision to assets | 0.3441% | 2,943 |
| Net operating income to assets | 1.5312% | 775 |
| Return on assets (ROA) | 1.5312% | 839 |
| Pretax return on assets | 2.3287% | 280 |
| Return on Equity (ROE) | 11.9362% | 1,420 |
| Retained earnings to average equity (ytd only) | 11.9362% | 308 |
| Net charge-offs to loans | 0.1399% | 5,026 |
| Credit loss provision to net charge-offs | 302.2599% | 772 |
| Earnings coverage of net charge-offs (x) | 23.4802% | 1,021 |
| Efficiency ratio | 37.8681% | 7,236 |
| Assets per employee ($millions) | 8.1593% | 448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9450% | 2,431 |
| Loan loss allowance to noncurrent loans | 78.1706% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 2.1738% | 2,765 |
| Noncurrent loans to loans | 2.4881% | 2,642 |
| Net loans and leases to total assets | 78.3733% | 668 |
| Net loans and leases to deposits | 100.2426% | 445 |
| Net loans and leases to core deposits | 103.5488% | 929 |
| Total domestic deposits to total assets | 78.1837% | 6,159 |
| Equity capital to assets | 13.6332% | 1,200 |
| Core capital (leverage) ratio | 13.5474% | 948 |
| Tier 1 risk-based capital ratio | 20.5780% | 1,501 |
| Total risk-based capital ratio | 21.8505% | 1,463 |
| Memoranda: | ||
| Average total assets | $155,497,800 | 3,712 |
| Average earning assets | $147,439,200 | 3,620 |
| Average equity | $19,947,800 | 3,161 |
| Average total loans | $126,517,200 | 3,050 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5638% | 1,108 |
| Cost of funding earning assets | 1.0544% | 3,287 |
| Net interest margin | 4.5094% | 1,127 |
| Noninterest income to average assets | 0.0660% | 6,891 |
| Noninterest expense to average assets | 1.6099% | 7,165 |
| Loan and lease loss provision to assets | 0.3727% | 2,618 |
| Net operating income to assets | 1.5508% | 847 |
| Return on assets (ROA) | 1.5508% | 921 |
| Pretax return on assets | 2.3596% | 325 |
| Return on Equity (ROE) | 12.2806% | 1,472 |
| Retained earnings to average equity (ytd only) | 12.2806% | 470 |
| Net charge-offs to loans | 0.1195% | 4,834 |
| Credit loss provision to net charge-offs | 381.5789% | 743 |
| Earnings coverage of net charge-offs (x) | 27.9730% | 975 |
| Efficiency ratio | 37.0758% | 7,304 |
| Assets per employee ($millions) | 7.7707% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8638% | 2,737 |
| Loan loss allowance to noncurrent loans | 85.7608% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 2.1890% | 2,912 |
| Noncurrent loans to loans | 2.1732% | 3,150 |
| Net loans and leases to total assets | 80.3987% | 481 |
| Net loans and leases to deposits | 103.5143% | 332 |
| Net loans and leases to core deposits | 106.9127% | 816 |
| Total domestic deposits to total assets | 77.6692% | 6,259 |
| Equity capital to assets | 13.2318% | 1,499 |
| Core capital (leverage) ratio | 13.1338% | 1,178 |
| Tier 1 risk-based capital ratio | 19.1886% | 1,877 |
| Total risk-based capital ratio | 20.4501% | 1,844 |
| Memoranda: | ||
| Average total assets | $155,615,750 | 3,729 |
| Average earning assets | $147,568,750 | 3,636 |
| Average equity | $19,651,000 | 3,198 |
| Average total loans | $127,169,250 | 3,059 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5578% | 1,155 |
| Cost of funding earning assets | 1.0566% | 3,558 |
| Net interest margin | 4.5012% | 1,128 |
| Noninterest income to average assets | 0.0552% | 7,027 |
| Noninterest expense to average assets | 1.6187% | 7,244 |
| Loan and lease loss provision to assets | 0.3661% | 2,602 |
| Net operating income to assets | 1.5287% | 838 |
| Return on assets (ROA) | 1.5287% | 892 |
| Pretax return on assets | 2.3394% | 323 |
| Return on Equity (ROE) | 12.3019% | 1,409 |
| Retained earnings to average equity (ytd only) | 12.3019% | 483 |
| Net charge-offs to loans | 0.1259% | 4,474 |
| Credit loss provision to net charge-offs | 356.2500% | 862 |
| Earnings coverage of net charge-offs (x) | 26.3250% | 1,019 |
| Efficiency ratio | 37.4332% | 7,369 |
| Assets per employee ($millions) | 7.8015% | 495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7606% | 3,120 |
| Loan loss allowance to noncurrent loans | 77.4005% | 3,650 |
| Noncurrent assets plus other real estate owned to assets | 2.0925% | 3,119 |
| Noncurrent loans to loans | 2.2747% | 3,131 |
| Net loans and leases to total assets | 80.7120% | 473 |
| Net loans and leases to deposits | 106.6703% | 246 |
| Net loans and leases to core deposits | 109.2437% | 746 |
| Total domestic deposits to total assets | 75.6649% | 6,648 |
| Equity capital to assets | 12.7822% | 1,630 |
| Core capital (leverage) ratio | 12.8595% | 1,217 |
| Tier 1 risk-based capital ratio | 18.5004% | 2,013 |
| Total risk-based capital ratio | 19.7601% | 1,959 |
| Memoranda: | ||
| Average total assets | $155,683,330 | 3,753 |
| Average earning assets | $147,649,330 | 3,659 |
| Average equity | $19,346,670 | 3,222 |
| Average total loans | $127,118,000 | 3,090 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5916% | 1,072 |
| Cost of funding earning assets | 1.0928% | 3,571 |
| Net interest margin | 4.4988% | 1,077 |
| Noninterest income to average assets | 0.0437% | 7,164 |
| Noninterest expense to average assets | 1.6359% | 7,282 |
| Loan and lease loss provision to assets | 0.3472% | 2,483 |
| Net operating income to assets | 1.5124% | 849 |
| Return on assets (ROA) | 1.5124% | 893 |
| Pretax return on assets | 2.3175% | 329 |
| Return on Equity (ROE) | 12.3478% | 1,370 |
| Retained earnings to average equity (ytd only) | 12.3478% | 690 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0383% | 7,419 |
| Assets per employee ($millions) | 7.7075% | 536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7405% | 3,211 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3315% | 6,367 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 80.0947% | 504 |
| Net loans and leases to deposits | 108.1536% | 212 |
| Net loans and leases to core deposits | 110.6257% | 693 |
| Total domestic deposits to total assets | 74.0564% | 6,893 |
| Equity capital to assets | 12.5475% | 1,599 |
| Core capital (leverage) ratio | 12.4964% | 1,324 |
| Tier 1 risk-based capital ratio | 18.4078% | 1,985 |
| Total risk-based capital ratio | 19.6679% | 1,933 |
| Memoranda: | ||
| Average total assets | $155,510,000 | 3,782 |
| Average earning assets | $147,150,000 | 3,691 |
| Average equity | $19,048,000 | 3,249 |
| Average total loans | $126,581,000 | 3,126 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4497% | 2,476 |
| Cost of funding earning assets | 1.6101% | 2,008 |
| Net interest margin | 3.8396% | 3,778 |
| Noninterest income to average assets | -0.0099% | 7,309 |
| Noninterest expense to average assets | 1.8315% | 7,232 |
| Loan and lease loss provision to assets | 0.4816% | 3,246 |
| Net operating income to assets | 0.8800% | 2,469 |
| Return on assets (ROA) | 0.8800% | 2,604 |
| Pretax return on assets | 1.3308% | 1,857 |
| Return on Equity (ROE) | 7.9413% | 2,714 |
| Retained earnings to average equity (ytd only) | 7.9413% | 992 |
| Net charge-offs to loans | 0.4470% | 3,824 |
| Credit loss provision to net charge-offs | 137.1930% | 2,782 |
| Earnings coverage of net charge-offs (x) | 5.1632% | 2,700 |
| Efficiency ratio | 50.2620% | 7,102 |
| Assets per employee ($millions) | 7.8435% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6093% | 3,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3889% | 6,299 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 79.9751% | 664 |
| Net loans and leases to deposits | 105.9621% | 326 |
| Net loans and leases to core deposits | 108.1722% | 1,033 |
| Total domestic deposits to total assets | 75.4752% | 6,700 |
| Equity capital to assets | 11.9551% | 1,945 |
| Core capital (leverage) ratio | 11.5578% | 1,806 |
| Tier 1 risk-based capital ratio | 17.6676% | 2,100 |
| Total risk-based capital ratio | 18.9253% | 2,067 |
| Memoranda: | ||
| Average total assets | $162,383,800 | 3,654 |
| Average earning assets | $154,521,600 | 3,565 |
| Average equity | $17,994,600 | 3,425 |
| Average total loans | $127,509,800 | 3,167 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3740% | 3,005 |
| Cost of funding earning assets | 1.7090% | 1,828 |
| Net interest margin | 3.6650% | 4,570 |
| Noninterest income to average assets | 0.0497% | 7,270 |
| Noninterest expense to average assets | 1.7570% | 7,386 |
| Loan and lease loss provision to assets | 0.5349% | 2,801 |
| Net operating income to assets | 0.8239% | 2,901 |
| Return on assets (ROA) | 0.8239% | 3,049 |
| Pretax return on assets | 1.2498% | 2,333 |
| Return on Equity (ROE) | 7.5783% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.5783% | 1,567 |
| Net charge-offs to loans | 0.4005% | 3,683 |
| Credit loss provision to net charge-offs | 171.5405% | 2,156 |
| Earnings coverage of net charge-offs (x) | 5.7233% | 2,692 |
| Efficiency ratio | 49.6092% | 7,179 |
| Assets per employee ($millions) | 8.1288% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6464% | 3,343 |
| Loan loss allowance to noncurrent loans | 714.1892% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.5843% | 5,979 |
| Noncurrent loans to loans | 0.2305% | 6,719 |
| Net loans and leases to total assets | 77.6792% | 1,092 |
| Net loans and leases to deposits | 106.3434% | 349 |
| Net loans and leases to core deposits | 109.2836% | 1,078 |
| Total domestic deposits to total assets | 73.0457% | 7,026 |
| Equity capital to assets | 11.2705% | 2,724 |
| Core capital (leverage) ratio | 11.1991% | 2,130 |
| Tier 1 risk-based capital ratio | 17.0904% | 2,307 |
| Total risk-based capital ratio | 18.3487% | 2,265 |
| Memoranda: | ||
| Average total assets | $163,762,250 | 3,682 |
| Average earning assets | $156,032,250 | 3,570 |
| Average equity | $17,804,750 | 3,506 |
| Average total loans | $127,510,000 | 3,215 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3498% | 3,213 |
| Cost of funding earning assets | 1.7730% | 1,752 |
| Net interest margin | 3.5768% | 4,915 |
| Noninterest income to average assets | 0.0329% | 7,418 |
| Noninterest expense to average assets | 1.7179% | 7,491 |
| Loan and lease loss provision to assets | 0.5263% | 2,682 |
| Net operating income to assets | 0.7883% | 3,023 |
| Return on assets (ROA) | 0.7883% | 3,171 |
| Pretax return on assets | 1.1976% | 2,425 |
| Return on Equity (ROE) | 7.3389% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.3389% | 1,701 |
| Net charge-offs to loans | 0.4764% | 3,107 |
| Credit loss provision to net charge-offs | 142.5743% | 2,788 |
| Earnings coverage of net charge-offs (x) | 4.6700% | 2,885 |
| Efficiency ratio | 49.9115% | 7,230 |
| Assets per employee ($millions) | 7.8815% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5627% | 3,618 |
| Loan loss allowance to noncurrent loans | 2,051.0417% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.5975% | 5,998 |
| Noncurrent loans to loans | 0.0762% | 7,119 |
| Net loans and leases to total assets | 74.9376% | 1,707 |
| Net loans and leases to deposits | 105.7528% | 404 |
| Net loans and leases to core deposits | 108.7706% | 1,244 |
| Total domestic deposits to total assets | 70.8612% | 7,272 |
| Equity capital to assets | 10.8500% | 3,025 |
| Core capital (leverage) ratio | 10.9673% | 2,265 |
| Tier 1 risk-based capital ratio | 16.7655% | 2,374 |
| Total risk-based capital ratio | 18.0314% | 2,319 |
| Memoranda: | ||
| Average total assets | $164,158,000 | 3,704 |
| Average earning assets | $156,453,670 | 3,589 |
| Average equity | $17,632,000 | 3,527 |
| Average total loans | $127,213,000 | 3,254 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3101% | 3,495 |
| Cost of funding earning assets | 1.8512% | 1,651 |
| Net interest margin | 3.4589% | 5,337 |
| Noninterest income to average assets | -0.0245% | 7,706 |
| Noninterest expense to average assets | 1.6320% | 7,629 |
| Loan and lease loss provision to assets | 0.4698% | 2,617 |
| Net operating income to assets | 0.7732% | 3,086 |
| Return on assets (ROA) | 0.7732% | 3,200 |
| Pretax return on assets | 1.1744% | 2,459 |
| Return on Equity (ROE) | 7.2357% | 3,227 |
| Retained earnings to average equity (ytd only) | 7.2357% | 2,035 |
| Net charge-offs to loans | 0.5351% | 2,464 |
| Credit loss provision to net charge-offs | 112.2807% | 3,088 |
| Earnings coverage of net charge-offs (x) | 3.9298% | 2,745 |
| Efficiency ratio | 49.8133% | 7,330 |
| Assets per employee ($millions) | 8.5787% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4787% | 4,023 |
| Loan loss allowance to noncurrent loans | 288.9752% | 1,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9258% | 5,296 |
| Noncurrent loans to loans | 0.5117% | 6,268 |
| Net loans and leases to total assets | 76.0723% | 1,532 |
| Net loans and leases to deposits | 112.7751% | 235 |
| Net loans and leases to core deposits | 117.2942% | 895 |
| Total domestic deposits to total assets | 67.4548% | 7,556 |
| Equity capital to assets | 10.8144% | 2,940 |
| Core capital (leverage) ratio | 10.7605% | 2,404 |
| Tier 1 risk-based capital ratio | 16.4581% | 2,471 |
| Total risk-based capital ratio | 17.7233% | 2,415 |
| Memoranda: | ||
| Average total assets | $163,481,500 | 3,776 |
| Average earning assets | $156,003,500 | 3,648 |
| Average equity | $17,469,000 | 3,576 |
| Average total loans | $127,820,000 | 3,307 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8210% | 2,572 |
| Cost of funding earning assets | 2.2408% | 1,865 |
| Net interest margin | 3.5803% | 4,617 |
| Noninterest income to average assets | 0.0264% | 7,603 |
| Noninterest expense to average assets | 1.6498% | 7,741 |
| Loan and lease loss provision to assets | 0.5281% | 3,729 |
| Net operating income to assets | 0.8498% | 2,350 |
| Return on assets (ROA) | 0.8498% | 2,431 |
| Pretax return on assets | 1.2861% | 1,733 |
| Return on Equity (ROE) | 8.4820% | 2,206 |
| Retained earnings to average equity (ytd only) | 8.4221% | 605 |
| Net charge-offs to loans | 0.4945% | 3,789 |
| Credit loss provision to net charge-offs | 126.9841% | 4,091 |
| Earnings coverage of net charge-offs (x) | 4.3622% | 2,975 |
| Efficiency ratio | 47.6265% | 7,646 |
| Assets per employee ($millions) | 8.1984% | 470 |
| Cash dividends to net income (ytd only)* | 0.7062% | 4,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4177% | 4,134 |
| Loan loss allowance to noncurrent loans | 145.9159% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 1.2362% | 4,625 |
| Noncurrent loans to loans | 0.9716% | 5,373 |
| Net loans and leases to total assets | 78.0305% | 1,374 |
| Net loans and leases to deposits | 114.8962% | 250 |
| Net loans and leases to core deposits | 152.5388% | 450 |
| Total domestic deposits to total assets | 67.9139% | 7,554 |
| Equity capital to assets | 10.5575% | 3,120 |
| Core capital (leverage) ratio | 10.1922% | 2,894 |
| Tier 1 risk-based capital ratio | 15.6083% | 2,671 |
| Total risk-based capital ratio | 16.8715% | 2,617 |
| Memoranda: | ||
| Average total assets | $166,625,800 | 3,661 |
| Average earning assets | $159,988,600 | 3,521 |
| Average equity | $16,694,200 | 3,733 |
| Average total loans | $140,151,800 | 3,080 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9083% | 2,413 |
| Cost of funding earning assets | 2.2670% | 2,122 |
| Net interest margin | 3.6413% | 4,317 |
| Noninterest income to average assets | 0.0940% | 7,434 |
| Noninterest expense to average assets | 1.5820% | 7,846 |
| Loan and lease loss provision to assets | 0.5236% | 3,290 |
| Net operating income to assets | 0.9795% | 2,131 |
| Return on assets (ROA) | 0.9795% | 2,189 |
| Pretax return on assets | 1.4896% | 1,442 |
| Return on Equity (ROE) | 9.9071% | 1,950 |
| Retained earnings to average equity (ytd only) | 9.8264% | 667 |
| Net charge-offs to loans | 0.4988% | 3,227 |
| Credit loss provision to net charge-offs | 123.0337% | 4,111 |
| Earnings coverage of net charge-offs (x) | 4.7304% | 3,029 |
| Efficiency ratio | 44.0035% | 7,839 |
| Assets per employee ($millions) | 8.4528% | 437 |
| Cash dividends to net income (ytd only)* | 0.8135% | 3,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3096% | 4,444 |
| Loan loss allowance to noncurrent loans | 120.4885% | 2,357 |
| Noncurrent assets plus other real estate owned to assets | 1.3735% | 4,344 |
| Noncurrent loans to loans | 1.0869% | 5,131 |
| Net loans and leases to total assets | 79.1696% | 1,356 |
| Net loans and leases to deposits | 115.0509% | 289 |
| Net loans and leases to core deposits | 157.6158% | 425 |
| Total domestic deposits to total assets | 68.8127% | 7,505 |
| Equity capital to assets | 10.1197% | 3,942 |
| Core capital (leverage) ratio | 10.1446% | 3,121 |
| Tier 1 risk-based capital ratio | 14.4710% | 3,294 |
| Total risk-based capital ratio | 15.7321% | 3,233 |
| Memoranda: | ||
| Average total assets | $167,290,250 | 3,673 |
| Average earning assets | $160,854,250 | 3,533 |
| Average equity | $16,540,000 | 3,800 |
| Average total loans | $142,743,500 | 3,070 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0226% | 2,090 |
| Cost of funding earning assets | 2.3136% | 2,302 |
| Net interest margin | 3.7090% | 3,915 |
| Noninterest income to average assets | 0.0792% | 7,589 |
| Noninterest expense to average assets | 1.5969% | 7,914 |
| Loan and lease loss provision to assets | 0.3779% | 3,662 |
| Net operating income to assets | 1.1050% | 1,757 |
| Return on assets (ROA) | 1.1050% | 1,835 |
| Pretax return on assets | 1.6760% | 1,062 |
| Return on Equity (ROE) | 11.2656% | 1,627 |
| Retained earnings to average equity (ytd only) | 11.1433% | 540 |
| Net charge-offs to loans | 0.3211% | 3,574 |
| Credit loss provision to net charge-offs | 135.1931% | 3,444 |
| Earnings coverage of net charge-offs (x) | 7.3476% | 2,454 |
| Efficiency ratio | 43.7397% | 7,934 |
| Assets per employee ($millions) | 7.6882% | 564 |
| Cash dividends to net income (ytd only)* | 1.0858% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 4,789 |
| Loan loss allowance to noncurrent loans | 435.9296% | 740 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 5,200 |
| Noncurrent loans to loans | 0.2808% | 6,818 |
| Net loans and leases to total assets | 82.7663% | 816 |
| Net loans and leases to deposits | 119.8933% | 237 |
| Net loans and leases to core deposits | 171.5786% | 305 |
| Total domestic deposits to total assets | 69.0333% | 7,553 |
| Equity capital to assets | 9.9326% | 4,041 |
| Core capital (leverage) ratio | 10.0516% | 3,242 |
| Tier 1 risk-based capital ratio | 13.3070% | 3,933 |
| Total risk-based capital ratio | 14.5657% | 3,855 |
| Memoranda: | ||
| Average total assets | $166,701,670 | 3,693 |
| Average earning assets | $160,529,330 | 3,553 |
| Average equity | $16,350,670 | 3,844 |
| Average total loans | $145,119,000 | 3,069 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1111% | 1,908 |
| Cost of funding earning assets | 2.3431% | 2,531 |
| Net interest margin | 3.7680% | 3,593 |
| Noninterest income to average assets | 0.1015% | 7,531 |
| Noninterest expense to average assets | 1.5615% | 7,934 |
| Loan and lease loss provision to assets | 0.3988% | 2,932 |
| Net operating income to assets | 1.1675% | 1,749 |
| Return on assets (ROA) | 1.1675% | 1,861 |
| Pretax return on assets | 1.7718% | 1,034 |
| Return on Equity (ROE) | 11.9807% | 1,665 |
| Retained earnings to average equity (ytd only) | 11.7326% | 842 |
| Net charge-offs to loans | 0.3188% | 2,825 |
| Credit loss provision to net charge-offs | 141.0256% | 2,896 |
| Earnings coverage of net charge-offs (x) | 7.6752% | 2,315 |
| Efficiency ratio | 41.8394% | 8,004 |
| Assets per employee ($millions) | 7.6866% | 575 |
| Cash dividends to net income (ytd only)* | 2.0704% | 2,818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,159 |
| Loan loss allowance to noncurrent loans | 187.3348% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.6026% | 5,672 |
| Noncurrent loans to loans | 0.6114% | 5,873 |
| Net loans and leases to total assets | 86.8159% | 351 |
| Net loans and leases to deposits | 127.9580% | 162 |
| Net loans and leases to core deposits | 180.7293% | 228 |
| Total domestic deposits to total assets | 67.8472% | 7,604 |
| Equity capital to assets | 9.6762% | 4,419 |
| Core capital (leverage) ratio | 9.9395% | 3,470 |
| Tier 1 risk-based capital ratio | 12.2312% | 4,767 |
| Total risk-based capital ratio | 13.4885% | 4,668 |
| Memoranda: | ||
| Average total assets | $165,482,500 | 3,735 |
| Average earning assets | $159,448,000 | 3,581 |
| Average equity | $16,126,000 | 3,922 |
| Average total loans | $146,815,500 | 3,065 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1935% | 757 |
| Cost of funding earning assets | 3.1014% | 1,502 |
| Net interest margin | 4.0920% | 2,746 |
| Noninterest income to average assets | 0.1164% | 7,539 |
| Noninterest expense to average assets | 1.5925% | 7,971 |
| Loan and lease loss provision to assets | 0.4103% | 3,233 |
| Net operating income to assets | 1.3408% | 1,370 |
| Return on assets (ROA) | 1.3404% | 1,323 |
| Pretax return on assets | 2.0426% | 543 |
| Return on Equity (ROE) | 14.1585% | 1,074 |
| Retained earnings to average equity (ytd only) | 10.8375% | 343 |
| Net charge-offs to loans | 0.2236% | 3,993 |
| Credit loss provision to net charge-offs | 205.9375% | 2,357 |
| Earnings coverage of net charge-offs (x) | 12.3156% | 2,261 |
| Efficiency ratio | 39.3599% | 8,144 |
| Assets per employee ($millions) | 7.3573% | 609 |
| Cash dividends to net income (ytd only)* | 23.4556% | 4,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1391% | 4,995 |
| Loan loss allowance to noncurrent loans | 110.4208% | 3,163 |
| Noncurrent assets plus other real estate owned to assets | 0.9249% | 4,520 |
| Noncurrent loans to loans | 1.0316% | 4,523 |
| Net loans and leases to total assets | 88.6365% | 310 |
| Net loans and leases to deposits | 145.2992% | 89 |
| Net loans and leases to core deposits | 207.2534% | 148 |
| Total domestic deposits to total assets | 61.0027% | 7,930 |
| Equity capital to assets | 9.8165% | 4,271 |
| Core capital (leverage) ratio | 9.7252% | 3,737 |
| Tier 1 risk-based capital ratio | 11.8614% | 4,933 |
| Total risk-based capital ratio | 13.0954% | 4,851 |
| Memoranda: | ||
| Average total assets | $160,628,400 | 3,708 |
| Average earning assets | $154,250,600 | 3,580 |
| Average equity | $15,206,400 | 4,097 |
| Average total loans | $143,088,000 | 3,036 |