Home > Independent Bank of Texas > Performance and Condition Ratios
Independent Bank of Texas, Performance and Condition Ratios
| 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 | 4.9519% | 649 |
| Cost of funding earning assets | 0.6055% | 1,373 |
| Net interest margin | 4.3465% | 841 |
| Noninterest income to average assets | 0.9960% | 1,192 |
| Noninterest expense to average assets | 4.8083% | 331 |
| Loan and lease loss provision to assets | 0.6999% | 125 |
| Net operating income to assets | -0.4593% | 6,178 |
| Return on assets (ROA) | -0.4324% | 6,186 |
| Pretax return on assets | -0.4273% | 6,172 |
| Return on Equity (ROE) | -4.4157% | 6,182 |
| Retained earnings to average equity (ytd only) | -4.4157% | 5,995 |
| Net charge-offs to loans | 1.1874% | 157 |
| Credit loss provision to net charge-offs | 73.2394% | 2,419 |
| Earnings coverage of net charge-offs (x) | 0.2570% | 3,682 |
| Efficiency ratio | 95.1398% | 473 |
| Assets per employee ($millions) | 7.1473% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0402% | 4,660 |
| Loan loss allowance to noncurrent loans | 385.5372% | 1,298 |
| Noncurrent assets plus other real estate owned to assets | 0.2116% | 5,018 |
| Noncurrent loans to loans | 0.2698% | 4,703 |
| Net loans and leases to total assets | 77.6208% | 1,121 |
| Net loans and leases to deposits | 90.2165% | 1,572 |
| Net loans and leases to core deposits | 94.3094% | 1,930 |
| Total domestic deposits to total assets | 86.0383% | 2,682 |
| Equity capital to assets | 9.9374% | 4,102 |
| Core capital (leverage) ratio | 9.5354% | 4,236 |
| Tier 1 risk-based capital ratio | 14.3701% | 3,715 |
| Total risk-based capital ratio | 15.5655% | 3,672 |
| Memoranda: | ||
| Average total assets | $118,876,670 | 4,175 |
| Average earning assets | $110,987,000 | 4,135 |
| Average equity | $11,640,330 | 4,448 |
| Average total loans | $95,668,000 | 3,519 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 695 |
| Cost of funding earning assets | 0.6001% | 1,438 |
| Net interest margin | 4.3030% | 873 |
| Noninterest income to average assets | 1.0071% | 1,107 |
| Noninterest expense to average assets | 3.7049% | 1,006 |
| Loan and lease loss provision to assets | 0.2642% | 606 |
| Net operating income to assets | 1.0600% | 1,999 |
| Return on assets (ROA) | 1.1128% | 1,931 |
| Pretax return on assets | 1.1161% | 3,012 |
| Return on Equity (ROE) | 11.4446% | 1,503 |
| Retained earnings to average equity (ytd only) | 11.4446% | 653 |
| Net charge-offs to loans | 1.0582% | 226 |
| Credit loss provision to net charge-offs | 30.6513% | 2,273 |
| Earnings coverage of net charge-offs (x) | 1.5402% | 2,908 |
| Efficiency ratio | 73.6220% | 2,874 |
| Assets per employee ($millions) | 5.7550% | 1,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 5,393 |
| Loan loss allowance to noncurrent loans | 163.1769% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 0.4584% | 4,199 |
| Noncurrent loans to loans | 0.5610% | 3,903 |
| Net loans and leases to total assets | 80.9704% | 573 |
| Net loans and leases to deposits | 93.8334% | 999 |
| Net loans and leases to core deposits | 98.1889% | 1,456 |
| Total domestic deposits to total assets | 86.2917% | 2,773 |
| Equity capital to assets | 9.8938% | 4,279 |
| Core capital (leverage) ratio | 9.6802% | 4,037 |
| Tier 1 risk-based capital ratio | 14.1066% | 3,941 |
| Total risk-based capital ratio | 15.1869% | 3,988 |
| Memoranda: | ||
| Average total assets | $121,137,000 | 4,165 |
| Average earning assets | $113,317,000 | 4,112 |
| Average equity | $11,778,500 | 4,452 |
| Average total loans | $98,653,500 | 3,479 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 2,038 |
| Cost of funding earning assets | 0.6644% | 1,306 |
| Net interest margin | 3.7948% | 2,641 |
| Noninterest income to average assets | 0.9401% | 1,379 |
| Noninterest expense to average assets | 3.5927% | 1,324 |
| Loan and lease loss provision to assets | 0.1556% | 1,686 |
| Net operating income to assets | 0.9337% | 2,707 |
| Return on assets (ROA) | 0.9991% | 2,464 |
| Pretax return on assets | 0.8395% | 4,111 |
| Return on Equity (ROE) | 11.4951% | 1,562 |
| Retained earnings to average equity (ytd only) | 11.4951% | 337 |
| Net charge-offs to loans | -0.0056% | 5,475 |
| Credit loss provision to net charge-offs | -3,900.0000% | 6,036 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4424% | 2,009 |
| Assets per employee ($millions) | 6.0710% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 4,534 |
| Loan loss allowance to noncurrent loans | 140.7263% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 3,672 |
| Noncurrent loans to loans | 0.7824% | 3,348 |
| Net loans and leases to total assets | 80.2685% | 708 |
| Net loans and leases to deposits | 93.3911% | 1,139 |
| Net loans and leases to core deposits | 98.3184% | 1,526 |
| Total domestic deposits to total assets | 85.9488% | 2,871 |
| Equity capital to assets | 9.5536% | 4,654 |
| Core capital (leverage) ratio | 9.0253% | 4,953 |
| Tier 1 risk-based capital ratio | 14.0017% | 4,097 |
| Total risk-based capital ratio | 15.2529% | 4,021 |
| Memoranda: | ||
| Average total assets | $125,308,000 | 4,078 |
| Average earning assets | $118,294,200 | 4,002 |
| Average equity | $10,891,600 | 4,586 |
| Average total loans | $88,667,200 | 3,660 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 2,514 |
| Cost of funding earning assets | 0.6690% | 1,326 |
| Net interest margin | 3.6583% | 3,193 |
| Noninterest income to average assets | 0.7760% | 1,985 |
| Noninterest expense to average assets | 3.4008% | 1,664 |
| Loan and lease loss provision to assets | 0.1161% | 2,116 |
| Net operating income to assets | 0.8373% | 3,245 |
| Return on assets (ROA) | 0.8943% | 3,037 |
| Pretax return on assets | 0.7803% | 4,427 |
| Return on Equity (ROE) | 10.5400% | 1,973 |
| Retained earnings to average equity (ytd only) | 10.5400% | 582 |
| Net charge-offs to loans | -0.0077% | 5,375 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2042% | 1,879 |
| Assets per employee ($millions) | 5.5677% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0907% | 4,792 |
| Loan loss allowance to noncurrent loans | 129.7017% | 3,051 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 4,038 |
| Noncurrent loans to loans | 0.8410% | 3,468 |
| Net loans and leases to total assets | 70.8136% | 2,056 |
| Net loans and leases to deposits | 80.9767% | 2,553 |
| Net loans and leases to core deposits | 84.2345% | 2,858 |
| Total domestic deposits to total assets | 87.4492% | 2,063 |
| Equity capital to assets | 8.7368% | 5,612 |
| Core capital (leverage) ratio | 8.9994% | 5,070 |
| Tier 1 risk-based capital ratio | 13.8432% | 4,326 |
| Total risk-based capital ratio | 15.0931% | 4,261 |
| Memoranda: | ||
| Average total assets | $126,280,000 | 4,079 |
| Average earning assets | $119,580,000 | 4,001 |
| Average equity | $10,714,500 | 4,644 |
| Average total loans | $86,197,250 | 3,749 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2341% | 2,828 |
| Cost of funding earning assets | 0.6861% | 1,265 |
| Net interest margin | 3.5480% | 3,580 |
| Noninterest income to average assets | 0.9404% | 1,364 |
| Noninterest expense to average assets | 3.4355% | 1,603 |
| Loan and lease loss provision to assets | 0.1114% | 2,168 |
| Net operating income to assets | 0.8052% | 3,302 |
| Return on assets (ROA) | 0.8052% | 3,405 |
| Pretax return on assets | 0.7511% | 4,453 |
| Return on Equity (ROE) | 9.5864% | 2,333 |
| Retained earnings to average equity (ytd only) | 9.5864% | 821 |
| Net charge-offs to loans | -0.0119% | 5,368 |
| Credit loss provision to net charge-offs | -1,400.0000% | 5,771 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9334% | 2,035 |
| Assets per employee ($millions) | 5.8184% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0701% | 5,021 |
| Loan loss allowance to noncurrent loans | 356.8773% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2101% | 5,492 |
| Noncurrent loans to loans | 0.2999% | 5,120 |
| Net loans and leases to total assets | 69.3322% | 2,182 |
| Net loans and leases to deposits | 79.2124% | 2,626 |
| Net loans and leases to core deposits | 82.3961% | 2,924 |
| Total domestic deposits to total assets | 87.5270% | 2,185 |
| Equity capital to assets | 8.4950% | 5,803 |
| Core capital (leverage) ratio | 8.4153% | 5,730 |
| Tier 1 risk-based capital ratio | 13.2100% | 4,780 |
| Total risk-based capital ratio | 14.4092% | 4,743 |
| Memoranda: | ||
| Average total assets | $125,688,000 | 4,122 |
| Average earning assets | $118,939,670 | 4,035 |
| Average equity | $10,556,670 | 4,692 |
| Average total loans | $84,369,330 | 3,809 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1361% | 3,148 |
| Cost of funding earning assets | 0.7029% | 1,227 |
| Net interest margin | 3.4331% | 3,971 |
| Noninterest income to average assets | 0.6392% | 2,524 |
| Noninterest expense to average assets | 3.3534% | 1,814 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5300% | 4,554 |
| Return on assets (ROA) | 0.5300% | 4,620 |
| Pretax return on assets | 0.5332% | 5,070 |
| Return on Equity (ROE) | 6.3474% | 3,831 |
| Retained earnings to average equity (ytd only) | 6.3474% | 2,354 |
| Net charge-offs to loans | -0.0245% | 5,449 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2810% | 1,420 |
| Assets per employee ($millions) | 6.1390% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 5,178 |
| Loan loss allowance to noncurrent loans | 330.8550% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2087% | 5,597 |
| Noncurrent loans to loans | 0.3281% | 5,125 |
| Net loans and leases to total assets | 62.9054% | 3,091 |
| Net loans and leases to deposits | 71.5905% | 3,395 |
| Net loans and leases to core deposits | 74.7755% | 3,561 |
| Total domestic deposits to total assets | 87.8684% | 2,305 |
| Equity capital to assets | 8.1400% | 5,950 |
| Core capital (leverage) ratio | 8.6420% | 5,471 |
| Tier 1 risk-based capital ratio | 14.0558% | 4,296 |
| Total risk-based capital ratio | 15.2729% | 4,258 |
| Memoranda: | ||
| Average total assets | $124,530,000 | 4,181 |
| Average earning assets | $117,793,500 | 4,098 |
| Average equity | $10,398,000 | 4,748 |
| Average total loans | $81,700,000 | 3,891 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5549% | 2,015 |
| Cost of funding earning assets | 0.7384% | 1,572 |
| Net interest margin | 3.8165% | 2,593 |
| Noninterest income to average assets | 0.5202% | 3,631 |
| Noninterest expense to average assets | 3.4595% | 1,754 |
| Loan and lease loss provision to assets | 0.0638% | 3,856 |
| Net operating income to assets | 0.7426% | 3,598 |
| Return on assets (ROA) | 0.5016% | 4,862 |
| Pretax return on assets | 0.3190% | 5,678 |
| Return on Equity (ROE) | 6.0364% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.0364% | 1,947 |
| Net charge-offs to loans | 0.0026% | 5,425 |
| Credit loss provision to net charge-offs | 3,600.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 352.0000% | 122 |
| Efficiency ratio | 84.7222% | 1,547 |
| Assets per employee ($millions) | 6.0071% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 5,212 |
| Loan loss allowance to noncurrent loans | 319.4946% | 1,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2306% | 5,587 |
| Noncurrent loans to loans | 0.3402% | 5,167 |
| Net loans and leases to total assets | 67.0279% | 2,513 |
| Net loans and leases to deposits | 77.4010% | 2,800 |
| Net loans and leases to core deposits | 80.9611% | 3,015 |
| Total domestic deposits to total assets | 86.5982% | 2,939 |
| Equity capital to assets | 8.5749% | 5,498 |
| Core capital (leverage) ratio | 8.6889% | 5,426 |
| Tier 1 risk-based capital ratio | 14.0887% | 4,235 |
| Total risk-based capital ratio | 15.3225% | 4,193 |
| Memoranda: | ||
| Average total assets | $112,848,000 | 4,438 |
| Average earning assets | $105,359,000 | 4,379 |
| Average equity | $9,376,400 | 5,004 |
| Average total loans | $76,575,400 | 4,038 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6126% | 1,856 |
| Cost of funding earning assets | 0.7352% | 1,705 |
| Net interest margin | 3.8774% | 2,355 |
| Noninterest income to average assets | 0.7350% | 2,436 |
| Noninterest expense to average assets | 3.5162% | 1,581 |
| Loan and lease loss provision to assets | 0.0853% | 3,353 |
| Net operating income to assets | 0.7379% | 3,661 |
| Return on assets (ROA) | 0.6773% | 4,116 |
| Pretax return on assets | 0.6821% | 4,740 |
| Return on Equity (ROE) | 8.2229% | 3,012 |
| Retained earnings to average equity (ytd only) | 8.2229% | 1,327 |
| Net charge-offs to loans | 0.1398% | 3,140 |
| Credit loss provision to net charge-offs | 89.8734% | 2,641 |
| Earnings coverage of net charge-offs (x) | 8.7343% | 2,583 |
| Efficiency ratio | 80.9287% | 1,978 |
| Assets per employee ($millions) | 6.4097% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 5,395 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6882% | 4,391 |
| Noncurrent loans to loans | 0.3607% | 5,310 |
| Net loans and leases to total assets | 63.9376% | 3,009 |
| Net loans and leases to deposits | 75.1669% | 3,066 |
| Net loans and leases to core deposits | 78.9824% | 3,232 |
| Total domestic deposits to total assets | 85.0609% | 3,723 |
| Equity capital to assets | 8.7506% | 5,467 |
| Core capital (leverage) ratio | 8.7983% | 5,417 |
| Tier 1 risk-based capital ratio | 14.7350% | 3,927 |
| Total risk-based capital ratio | 15.9429% | 3,916 |
| Memoranda: | ||
| Average total assets | $111,024,750 | 4,518 |
| Average earning assets | $103,366,000 | 4,462 |
| Average equity | $9,145,000 | 5,103 |
| Average total loans | $75,366,000 | 4,104 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7313% | 1,486 |
| Cost of funding earning assets | 0.7170% | 1,942 |
| Net interest margin | 4.0143% | 1,808 |
| Noninterest income to average assets | 0.7958% | 2,206 |
| Noninterest expense to average assets | 3.6779% | 1,287 |
| Loan and lease loss provision to assets | 0.1296% | 2,702 |
| Net operating income to assets | 0.7018% | 3,797 |
| Return on assets (ROA) | 0.6096% | 4,410 |
| Pretax return on assets | 0.6151% | 4,969 |
| Return on Equity (ROE) | 7.5668% | 3,309 |
| Retained earnings to average equity (ytd only) | 7.5668% | 1,641 |
| Net charge-offs to loans | 0.2089% | 2,508 |
| Credit loss provision to net charge-offs | 89.8734% | 2,442 |
| Earnings coverage of net charge-offs (x) | 5.8101% | 2,825 |
| Efficiency ratio | 81.4470% | 1,969 |
| Assets per employee ($millions) | 6.0852% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0452% | 5,653 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.8600% | 4,095 |
| Noncurrent loans to loans | 0.3484% | 5,420 |
| Net loans and leases to total assets | 69.7516% | 1,925 |
| Net loans and leases to deposits | 80.9255% | 2,190 |
| Net loans and leases to core deposits | 86.1254% | 2,325 |
| Total domestic deposits to total assets | 86.1923% | 3,266 |
| Equity capital to assets | 8.0670% | 6,155 |
| Core capital (leverage) ratio | 8.0279% | 6,168 |
| Tier 1 risk-based capital ratio | 12.8944% | 5,227 |
| Total risk-based capital ratio | 14.0967% | 5,189 |
| Memoranda: | ||
| Average total assets | $109,574,670 | 4,573 |
| Average earning assets | $101,537,000 | 4,532 |
| Average equity | $8,828,000 | 5,220 |
| Average total loans | $75,629,670 | 4,116 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6457% | 1,689 |
| Cost of funding earning assets | 0.7360% | 1,949 |
| Net interest margin | 3.9097% | 2,088 |
| Noninterest income to average assets | 0.7008% | 2,586 |
| Noninterest expense to average assets | 3.3870% | 1,862 |
| Loan and lease loss provision to assets | 0.1679% | 2,178 |
| Net operating income to assets | 0.7482% | 3,446 |
| Return on assets (ROA) | 0.7482% | 3,582 |
| Pretax return on assets | 0.7519% | 4,365 |
| Return on Equity (ROE) | 9.2928% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.2928% | 1,287 |
| Net charge-offs to loans | 0.4222% | 1,398 |
| Credit loss provision to net charge-offs | 58.2278% | 2,479 |
| Earnings coverage of net charge-offs (x) | 3.1899% | 2,821 |
| Efficiency ratio | 78.6441% | 2,511 |
| Assets per employee ($millions) | 5.4785% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0430% | 5,820 |
| Loan loss allowance to noncurrent loans | 256.3934% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 1.5132% | 2,984 |
| Noncurrent loans to loans | 0.4068% | 5,402 |
| Net loans and leases to total assets | 67.7120% | 2,067 |
| Net loans and leases to deposits | 76.0593% | 2,629 |
| Net loans and leases to core deposits | 81.3482% | 2,646 |
| Total domestic deposits to total assets | 89.0253% | 1,669 |
| Equity capital to assets | 8.1336% | 6,309 |
| Core capital (leverage) ratio | 8.0818% | 6,066 |
| Tier 1 risk-based capital ratio | 12.9544% | 5,258 |
| Total risk-based capital ratio | 14.1217% | 5,263 |
| Memoranda: | ||
| Average total assets | $109,595,500 | 4,621 |
| Average earning assets | $101,082,500 | 4,591 |
| Average equity | $8,824,000 | 5,268 |
| Average total loans | $74,840,500 | 4,175 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8983% | 1,846 |
| Cost of funding earning assets | 0.9904% | 1,408 |
| Net interest margin | 3.9079% | 2,792 |
| Noninterest income to average assets | 0.6020% | 3,268 |
| Noninterest expense to average assets | 3.7703% | 1,299 |
| Loan and lease loss provision to assets | 0.1208% | 4,107 |
| Net operating income to assets | 0.3198% | 5,397 |
| Return on assets (ROA) | 0.3198% | 5,607 |
| Pretax return on assets | 0.3248% | 5,778 |
| Return on Equity (ROE) | 3.7409% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.7409% | 3,581 |
| Net charge-offs to loans | 0.1348% | 4,330 |
| Credit loss provision to net charge-offs | 131.1828% | 2,133 |
| Earnings coverage of net charge-offs (x) | 4.8387% | 3,234 |
| Efficiency ratio | 89.4317% | 1,115 |
| Assets per employee ($millions) | 5.7695% | 1,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0909% | 5,588 |
| Loan loss allowance to noncurrent loans | 50.4957% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 1.7433% | 2,780 |
| Noncurrent loans to loans | 2.1604% | 2,510 |
| Net loans and leases to total assets | 67.4068% | 2,294 |
| Net loans and leases to deposits | 77.1114% | 2,639 |
| Net loans and leases to core deposits | 82.2155% | 2,746 |
| Total domestic deposits to total assets | 87.4148% | 2,568 |
| Equity capital to assets | 7.9693% | 6,422 |
| Core capital (leverage) ratio | 7.4927% | 6,507 |
| Tier 1 risk-based capital ratio | 12.8497% | 5,215 |
| Total risk-based capital ratio | 14.0758% | 5,172 |
| Memoranda: | ||
| Average total assets | $100,999,000 | 4,809 |
| Average earning assets | $93,400,600 | 4,768 |
| Average equity | $8,634,400 | 5,325 |
| Average total loans | $68,971,000 | 4,391 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 2,066 |
| Cost of funding earning assets | 0.9765% | 1,700 |
| Net interest margin | 3.9088% | 2,887 |
| Noninterest income to average assets | 0.5355% | 3,707 |
| Noninterest expense to average assets | 3.8916% | 1,069 |
| Loan and lease loss provision to assets | 0.0567% | 5,029 |
| Net operating income to assets | 0.1942% | 5,936 |
| Return on assets (ROA) | 0.1942% | 6,099 |
| Pretax return on assets | 0.1996% | 6,123 |
| Return on Equity (ROE) | 2.2302% | 5,964 |
| Retained earnings to average equity (ytd only) | 2.2302% | 5,225 |
| Net charge-offs to loans | 0.1856% | 3,632 |
| Credit loss provision to net charge-offs | 44.6809% | 4,516 |
| Earnings coverage of net charge-offs (x) | 2.0213% | 4,259 |
| Efficiency ratio | 93.8211% | 788 |
| Assets per employee ($millions) | 5.5483% | 1,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0377% | 5,941 |
| Loan loss allowance to noncurrent loans | 228.6604% | 1,563 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 4,960 |
| Noncurrent loans to loans | 0.4538% | 5,539 |
| Net loans and leases to total assets | 63.0839% | 3,191 |
| Net loans and leases to deposits | 72.2121% | 3,579 |
| Net loans and leases to core deposits | 76.3029% | 3,691 |
| Total domestic deposits to total assets | 87.3591% | 2,458 |
| Equity capital to assets | 7.7962% | 6,680 |
| Core capital (leverage) ratio | 8.0770% | 6,256 |
| Tier 1 risk-based capital ratio | 13.9045% | 4,606 |
| Total risk-based capital ratio | 15.1144% | 4,596 |
| Memoranda: | ||
| Average total assets | $98,843,500 | 4,909 |
| Average earning assets | $91,347,000 | 4,873 |
| Average equity | $8,609,000 | 5,378 |
| Average total loans | $67,537,000 | 4,485 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0087% | 1,767 |
| Cost of funding earning assets | 0.9780% | 1,892 |
| Net interest margin | 4.0307% | 2,378 |
| Noninterest income to average assets | 0.4831% | 4,034 |
| Noninterest expense to average assets | 3.8691% | 1,119 |
| Loan and lease loss provision to assets | 0.0633% | 4,859 |
| Net operating income to assets | 0.2658% | 5,716 |
| Return on assets (ROA) | 0.2658% | 5,908 |
| Pretax return on assets | 0.2721% | 6,020 |
| Return on Equity (ROE) | 2.9319% | 5,716 |
| Retained earnings to average equity (ytd only) | 2.9319% | 4,682 |
| Net charge-offs to loans | 0.0090% | 5,341 |
| Credit loss provision to net charge-offs | 1,000.0000% | 319 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 695 |
| Efficiency ratio | 92.0221% | 927 |
| Assets per employee ($millions) | 5.0750% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1374% | 5,614 |
| Loan loss allowance to noncurrent loans | 75.2778% | 3,977 |
| Noncurrent assets plus other real estate owned to assets | 1.6266% | 3,287 |
| Noncurrent loans to loans | 1.5110% | 3,638 |
| Net loans and leases to total assets | 69.6197% | 1,982 |
| Net loans and leases to deposits | 81.8211% | 2,139 |
| Net loans and leases to core deposits | 89.3316% | 2,056 |
| Total domestic deposits to total assets | 85.0877% | 3,818 |
| Equity capital to assets | 8.5054% | 6,206 |
| Core capital (leverage) ratio | 8.6332% | 5,473 |
| Tier 1 risk-based capital ratio | 13.2775% | 4,977 |
| Total risk-based capital ratio | 14.5273% | 4,946 |
| Memoranda: | ||
| Average total assets | $94,803,000 | 5,043 |
| Average earning assets | $87,528,330 | 5,006 |
| Average equity | $8,595,000 | 5,386 |
| Average total loans | $66,471,000 | 4,544 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3010% | 1,095 |
| Cost of funding earning assets | 0.9582% | 2,245 |
| Net interest margin | 4.3429% | 1,349 |
| Noninterest income to average assets | 0.7304% | 2,497 |
| Noninterest expense to average assets | 4.1245% | 805 |
| Loan and lease loss provision to assets | 0.0437% | 4,853 |
| Net operating income to assets | 0.5423% | 4,636 |
| Return on assets (ROA) | 0.5423% | 4,847 |
| Pretax return on assets | 0.5467% | 5,299 |
| Return on Equity (ROE) | 5.7836% | 4,410 |
| Retained earnings to average equity (ytd only) | 5.7836% | 3,087 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4768% | 1,344 |
| Assets per employee ($millions) | 4.6775% | 2,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 5,356 |
| Loan loss allowance to noncurrent loans | 2,567.7419% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.8509% | 4,829 |
| Noncurrent loans to loans | 0.0479% | 6,631 |
| Net loans and leases to total assets | 68.2790% | 2,057 |
| Net loans and leases to deposits | 81.0370% | 2,055 |
| Net loans and leases to core deposits | 88.3325% | 2,015 |
| Total domestic deposits to total assets | 84.2565% | 4,375 |
| Equity capital to assets | 9.2293% | 5,189 |
| Core capital (leverage) ratio | 9.6042% | 3,909 |
| Tier 1 risk-based capital ratio | 14.5377% | 4,075 |
| Total risk-based capital ratio | 15.7883% | 4,030 |
| Memoranda: | ||
| Average total assets | $91,454,500 | 5,163 |
| Average earning assets | $83,908,000 | 5,142 |
| Average equity | $8,576,000 | 5,414 |
| Average total loans | $63,968,000 | 4,669 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 2,990 |
| Cost of funding earning assets | 1.2472% | 1,752 |
| Net interest margin | 3.7286% | 4,164 |
| Noninterest income to average assets | 1.0822% | 1,137 |
| Noninterest expense to average assets | 4.1762% | 836 |
| Loan and lease loss provision to assets | 0.2372% | 3,835 |
| Net operating income to assets | 0.0628% | 5,936 |
| Return on assets (ROA) | 0.0628% | 6,049 |
| Pretax return on assets | 0.0661% | 6,023 |
| Return on Equity (ROE) | 0.6837% | 6,022 |
| Retained earnings to average equity (ytd only) | 0.6837% | 5,526 |
| Net charge-offs to loans | 0.2811% | 4,017 |
| Credit loss provision to net charge-offs | 122.3464% | 2,584 |
| Earnings coverage of net charge-offs (x) | 1.5642% | 4,599 |
| Efficiency ratio | 93.2285% | 968 |
| Assets per employee ($millions) | 4.2552% | 3,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 5,215 |
| Loan loss allowance to noncurrent loans | 2,535.4839% | 191 |
| Noncurrent assets plus other real estate owned to assets | 1.4503% | 3,811 |
| Noncurrent loans to loans | 0.0490% | 6,702 |
| Net loans and leases to total assets | 69.9191% | 2,049 |
| Net loans and leases to deposits | 85.0598% | 1,800 |
| Net loans and leases to core deposits | 94.4262% | 1,645 |
| Total domestic deposits to total assets | 82.1999% | 5,060 |
| Equity capital to assets | 9.5323% | 4,828 |
| Core capital (leverage) ratio | 9.3782% | 4,211 |
| Tier 1 risk-based capital ratio | 14.5413% | 3,943 |
| Total risk-based capital ratio | 15.7933% | 3,914 |
| Memoranda: | ||
| Average total assets | $92,308,400 | 5,121 |
| Average earning assets | $84,107,600 | 5,118 |
| Average equity | $8,483,200 | 5,409 |
| Average total loans | $63,686,600 | 4,721 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8938% | 3,588 |
| Cost of funding earning assets | 1.2998% | 1,704 |
| Net interest margin | 3.5940% | 4,799 |
| Noninterest income to average assets | 1.1636% | 971 |
| Noninterest expense to average assets | 4.1240% | 865 |
| Loan and lease loss provision to assets | 0.2493% | 3,512 |
| Net operating income to assets | 0.0573% | 6,056 |
| Return on assets (ROA) | 0.0573% | 6,164 |
| Pretax return on assets | 0.0630% | 6,145 |
| Return on Equity (ROE) | 0.6293% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.6293% | 5,765 |
| Net charge-offs to loans | 0.1379% | 4,680 |
| Credit loss provision to net charge-offs | 263.6364% | 1,080 |
| Earnings coverage of net charge-offs (x) | 3.3030% | 3,491 |
| Efficiency ratio | 92.9587% | 974 |
| Assets per employee ($millions) | 4.2808% | 3,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3313% | 4,864 |
| Loan loss allowance to noncurrent loans | 204.3062% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 1.8922% | 3,279 |
| Noncurrent loans to loans | 0.6516% | 5,584 |
| Net loans and leases to total assets | 70.4050% | 1,998 |
| Net loans and leases to deposits | 84.2949% | 1,953 |
| Net loans and leases to core deposits | 100.0632% | 1,239 |
| Total domestic deposits to total assets | 83.5223% | 4,469 |
| Equity capital to assets | 9.4786% | 5,120 |
| Core capital (leverage) ratio | 9.3175% | 4,425 |
| Tier 1 risk-based capital ratio | 14.5796% | 3,923 |
| Total risk-based capital ratio | 15.8329% | 3,891 |
| Memoranda: | ||
| Average total assets | $93,045,750 | 5,138 |
| Average earning assets | $84,731,250 | 5,134 |
| Average equity | $8,474,500 | 5,439 |
| Average total loans | $63,792,000 | 4,764 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8527% | 3,855 |
| Cost of funding earning assets | 1.3317% | 1,751 |
| Net interest margin | 3.5210% | 5,067 |
| Noninterest income to average assets | 1.0798% | 1,114 |
| Noninterest expense to average assets | 3.8790% | 1,229 |
| Loan and lease loss provision to assets | 0.2104% | 3,809 |
| Net operating income to assets | 0.1870% | 5,784 |
| Return on assets (ROA) | 0.1870% | 5,890 |
| Pretax return on assets | 0.1934% | 5,942 |
| Return on Equity (ROE) | 2.0806% | 5,760 |
| Retained earnings to average equity (ytd only) | 2.0806% | 4,937 |
| Net charge-offs to loans | 0.2293% | 3,749 |
| Credit loss provision to net charge-offs | 135.6164% | 2,247 |
| Earnings coverage of net charge-offs (x) | 2.6027% | 3,525 |
| Efficiency ratio | 90.5707% | 1,203 |
| Assets per employee ($millions) | 4.3650% | 3,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 5,330 |
| Loan loss allowance to noncurrent loans | 129.0970% | 2,284 |
| Noncurrent assets plus other real estate owned to assets | 2.7830% | 2,402 |
| Noncurrent loans to loans | 0.9657% | 5,056 |
| Net loans and leases to total assets | 66.7110% | 2,885 |
| Net loans and leases to deposits | 80.5867% | 2,688 |
| Net loans and leases to core deposits | 95.9396% | 1,686 |
| Total domestic deposits to total assets | 82.7817% | 4,859 |
| Equity capital to assets | 9.3515% | 5,073 |
| Core capital (leverage) ratio | 9.2414% | 4,334 |
| Tier 1 risk-based capital ratio | 14.8424% | 3,586 |
| Total risk-based capital ratio | 16.0947% | 3,551 |
| Memoranda: | ||
| Average total assets | $94,095,330 | 5,136 |
| Average earning assets | $85,601,670 | 5,136 |
| Average equity | $8,459,000 | 5,470 |
| Average total loans | $63,674,000 | 4,810 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7473% | 4,303 |
| Cost of funding earning assets | 1.3906% | 1,661 |
| Net interest margin | 3.3567% | 5,589 |
| Noninterest income to average assets | 0.9443% | 1,494 |
| Noninterest expense to average assets | 3.7897% | 1,356 |
| Loan and lease loss provision to assets | 0.2056% | 3,585 |
| Net operating income to assets | 0.0000% | 6,348 |
| Return on assets (ROA) | 0.0000% | 6,378 |
| Pretax return on assets | 0.0084% | 6,338 |
| Return on Equity (ROE) | 0.0000% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | 0.0496% | 4,440 |
| Credit loss provision to net charge-offs | 612.5000% | 605 |
| Earnings coverage of net charge-offs (x) | 6.3750% | 2,110 |
| Efficiency ratio | 94.6541% | 1,004 |
| Assets per employee ($millions) | 4.6549% | 2,651 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 5,445 |
| Loan loss allowance to noncurrent loans | 33.0672% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 4.6543% | 1,380 |
| Noncurrent loans to loans | 3.7498% | 1,969 |
| Net loans and leases to total assets | 67.3308% | 2,691 |
| Net loans and leases to deposits | 79.9355% | 2,731 |
| Net loans and leases to core deposits | 93.2769% | 1,979 |
| Total domestic deposits to total assets | 84.2315% | 4,397 |
| Equity capital to assets | 9.0314% | 5,154 |
| Core capital (leverage) ratio | 8.9370% | 4,716 |
| Tier 1 risk-based capital ratio | 14.0889% | 4,013 |
| Total risk-based capital ratio | 15.3395% | 3,988 |
| Memoranda: | ||
| Average total assets | $95,311,000 | 5,125 |
| Average earning assets | $86,870,500 | 5,128 |
| Average equity | $8,402,500 | 5,491 |
| Average total loans | $64,550,000 | 4,820 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5318% | 2,154 |
| Cost of funding earning assets | 1.7518% | 1,372 |
| Net interest margin | 3.7800% | 4,028 |
| Noninterest income to average assets | 0.5240% | 3,996 |
| Noninterest expense to average assets | 3.6733% | 1,768 |
| Loan and lease loss provision to assets | 0.4657% | 3,339 |
| Net operating income to assets | -0.1984% | 6,115 |
| Return on assets (ROA) | -0.1952% | 6,160 |
| Pretax return on assets | -0.1877% | 6,077 |
| Return on Equity (ROE) | -2.1406% | 6,188 |
| Retained earnings to average equity (ytd only) | -2.1406% | 5,986 |
| Net charge-offs to loans | 0.8584% | 2,490 |
| Credit loss provision to net charge-offs | 75.6897% | 5,708 |
| Earnings coverage of net charge-offs (x) | 0.4466% | 5,666 |
| Efficiency ratio | 93.0414% | 1,119 |
| Assets per employee ($millions) | 4.8763% | 2,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 5,796 |
| Loan loss allowance to noncurrent loans | 33.8629% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 4.0913% | 1,651 |
| Noncurrent loans to loans | 3.3567% | 2,265 |
| Net loans and leases to total assets | 66.5306% | 3,347 |
| Net loans and leases to deposits | 80.5162% | 3,070 |
| Net loans and leases to core deposits | 93.0223% | 2,382 |
| Total domestic deposits to total assets | 82.6301% | 4,958 |
| Equity capital to assets | 8.6101% | 5,708 |
| Core capital (leverage) ratio | 8.4404% | 5,466 |
| Tier 1 risk-based capital ratio | 12.7872% | 4,783 |
| Total risk-based capital ratio | 13.9322% | 4,852 |
| Memoranda: | ||
| Average total assets | $94,275,400 | 5,153 |
| Average earning assets | $85,397,600 | 5,164 |
| Average equity | $8,595,800 | 5,531 |
| Average total loans | $67,571,400 | 4,766 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6440% | 1,901 |
| Cost of funding earning assets | 1.7866% | 1,472 |
| Net interest margin | 3.8574% | 3,723 |
| Noninterest income to average assets | 0.2867% | 5,822 |
| Noninterest expense to average assets | 3.6805% | 1,616 |
| Loan and lease loss provision to assets | 0.2982% | 4,191 |
| Net operating income to assets | -0.2154% | 6,341 |
| Return on assets (ROA) | -0.2111% | 6,393 |
| Pretax return on assets | -0.2011% | 6,321 |
| Return on Equity (ROE) | -2.2825% | 6,430 |
| Retained earnings to average equity (ytd only) | -2.2825% | 6,251 |
| Net charge-offs to loans | 0.6387% | 2,834 |
| Credit loss provision to net charge-offs | 64.1104% | 5,589 |
| Earnings coverage of net charge-offs (x) | 0.1994% | 5,814 |
| Efficiency ratio | 97.5425% | 837 |
| Assets per employee ($millions) | 5.3878% | 1,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,863 |
| Loan loss allowance to noncurrent loans | 32.0433% | 6,206 |
| Noncurrent assets plus other real estate owned to assets | 4.3204% | 1,570 |
| Noncurrent loans to loans | 3.4898% | 2,274 |
| Net loans and leases to total assets | 70.2065% | 2,689 |
| Net loans and leases to deposits | 85.0790% | 2,504 |
| Net loans and leases to core deposits | 103.4285% | 1,534 |
| Total domestic deposits to total assets | 82.5193% | 4,791 |
| Equity capital to assets | 8.7718% | 5,899 |
| Core capital (leverage) ratio | 8.8384% | 4,943 |
| Tier 1 risk-based capital ratio | 12.8504% | 4,690 |
| Total risk-based capital ratio | 14.0265% | 4,725 |
| Memoranda: | ||
| Average total assets | $93,463,000 | 5,234 |
| Average earning assets | $84,476,750 | 5,252 |
| Average equity | $8,645,500 | 5,585 |
| Average total loans | $68,056,750 | 4,830 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8251% | 1,362 |
| Cost of funding earning assets | 1.8634% | 1,363 |
| Net interest margin | 3.9616% | 3,200 |
| Noninterest income to average assets | 0.3944% | 4,951 |
| Noninterest expense to average assets | 3.4175% | 2,218 |
| Loan and lease loss provision to assets | 0.4074% | 3,276 |
| Net operating income to assets | 0.1068% | 5,850 |
| Return on assets (ROA) | 0.1127% | 5,937 |
| Pretax return on assets | 0.1235% | 5,933 |
| Return on Equity (ROE) | 1.1965% | 5,893 |
| Retained earnings to average equity (ytd only) | 1.1965% | 5,271 |
| Net charge-offs to loans | 0.9854% | 1,877 |
| Credit loss provision to net charge-offs | 56.2874% | 5,293 |
| Earnings coverage of net charge-offs (x) | 0.7246% | 5,025 |
| Efficiency ratio | 86.6960% | 1,631 |
| Assets per employee ($millions) | 5.5808% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0722% | 6,071 |
| Loan loss allowance to noncurrent loans | 95.0000% | 2,890 |
| Noncurrent assets plus other real estate owned to assets | 4.4491% | 1,496 |
| Noncurrent loans to loans | 1.1287% | 5,071 |
| Net loans and leases to total assets | 72.0608% | 2,380 |
| Net loans and leases to deposits | 84.4798% | 2,795 |
| Net loans and leases to core deposits | 105.6987% | 1,477 |
| Total domestic deposits to total assets | 85.2994% | 3,465 |
| Equity capital to assets | 9.1859% | 5,164 |
| Core capital (leverage) ratio | 9.1310% | 4,407 |
| Tier 1 risk-based capital ratio | 12.6592% | 4,722 |
| Total risk-based capital ratio | 13.7467% | 4,842 |
| Memoranda: | ||
| Average total assets | $92,290,330 | 5,302 |
| Average earning assets | $82,643,000 | 5,348 |
| Average equity | $8,691,670 | 5,588 |
| Average total loans | $67,790,000 | 4,873 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9386% | 1,108 |
| Cost of funding earning assets | 1.9071% | 1,419 |
| Net interest margin | 4.0315% | 2,736 |
| Noninterest income to average assets | 0.3604% | 5,255 |
| Noninterest expense to average assets | 2.9011% | 4,053 |
| Loan and lease loss provision to assets | 0.6330% | 2,005 |
| Net operating income to assets | 0.4036% | 4,821 |
| Return on assets (ROA) | 0.3648% | 5,122 |
| Pretax return on assets | 0.3736% | 5,369 |
| Return on Equity (ROE) | 3.8249% | 4,970 |
| Retained earnings to average equity (ytd only) | 3.8249% | 3,844 |
| Net charge-offs to loans | 1.5254% | 1,142 |
| Credit loss provision to net charge-offs | 56.2500% | 4,379 |
| Earnings coverage of net charge-offs (x) | 0.9297% | 4,217 |
| Efficiency ratio | 73.4967% | 3,663 |
| Assets per employee ($millions) | 5.2089% | 1,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1437% | 5,807 |
| Loan loss allowance to noncurrent loans | 981.0127% | 346 |
| Noncurrent assets plus other real estate owned to assets | 3.2423% | 2,211 |
| Noncurrent loans to loans | 0.1166% | 7,116 |
| Net loans and leases to total assets | 71.4455% | 2,580 |
| Net loans and leases to deposits | 85.9272% | 2,600 |
| Net loans and leases to core deposits | 109.7534% | 1,290 |
| Total domestic deposits to total assets | 83.1465% | 4,546 |
| Equity capital to assets | 9.2768% | 4,869 |
| Core capital (leverage) ratio | 9.5043% | 3,765 |
| Tier 1 risk-based capital ratio | 12.5195% | 4,727 |
| Total risk-based capital ratio | 13.6393% | 4,794 |
| Memoranda: | ||
| Average total assets | $90,998,500 | 5,423 |
| Average earning assets | $80,962,000 | 5,472 |
| Average equity | $8,680,000 | 5,639 |
| Average total loans | $67,131,000 | 4,959 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8982% | 2,243 |
| Cost of funding earning assets | 2.1027% | 2,447 |
| Net interest margin | 3.7956% | 3,728 |
| Noninterest income to average assets | 0.3735% | 5,418 |
| Noninterest expense to average assets | 3.9303% | 1,469 |
| Loan and lease loss provision to assets | 1.1982% | 1,920 |
| Net operating income to assets | -1.3295% | 6,780 |
| Return on assets (ROA) | -1.2186% | 6,719 |
| Pretax return on assets | -1.2143% | 6,548 |
| Return on Equity (ROE) | -12.5504% | 6,803 |
| Retained earnings to average equity (ytd only) | -12.5504% | 6,724 |
| Net charge-offs to loans | 1.4129% | 1,775 |
| Credit loss provision to net charge-offs | 112.3108% | 4,885 |
| Earnings coverage of net charge-offs (x) | -0.1191% | 6,354 |
| Efficiency ratio | 103.3399% | 968 |
| Assets per employee ($millions) | 4.9020% | 2,337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,573 |
| Loan loss allowance to noncurrent loans | 114.7477% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 4.1616% | 1,571 |
| Noncurrent loans to loans | 1.1624% | 5,003 |
| Net loans and leases to total assets | 74.3597% | 2,174 |
| Net loans and leases to deposits | 90.5830% | 2,125 |
| Net loans and leases to core deposits | 130.1825% | 1,271 |
| Total domestic deposits to total assets | 82.0901% | 4,907 |
| Equity capital to assets | 9.8169% | 3,987 |
| Core capital (leverage) ratio | 9.4886% | 3,736 |
| Tier 1 risk-based capital ratio | 12.7657% | 4,312 |
| Total risk-based capital ratio | 14.0152% | 4,254 |
| Memoranda: | ||
| Average total assets | $92,892,800 | 5,308 |
| Average earning assets | $83,940,400 | 5,332 |
| Average equity | $9,019,600 | 5,597 |
| Average total loans | $70,141,800 | 4,860 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8837% | 2,520 |
| Cost of funding earning assets | 2.1517% | 2,638 |
| Net interest margin | 3.7320% | 3,939 |
| Noninterest income to average assets | 0.2821% | 6,220 |
| Noninterest expense to average assets | 3.6913% | 1,841 |
| Loan and lease loss provision to assets | 0.7244% | 2,566 |
| Net operating income to assets | -0.7527% | 6,648 |
| Return on assets (ROA) | -0.6506% | 6,575 |
| Pretax return on assets | -0.6436% | 6,439 |
| Return on Equity (ROE) | -6.7184% | 6,634 |
| Retained earnings to average equity (ytd only) | -6.7184% | 6,477 |
| Net charge-offs to loans | 0.1651% | 5,068 |
| Credit loss provision to net charge-offs | 580.6818% | 668 |
| Earnings coverage of net charge-offs (x) | -0.1705% | 6,258 |
| Efficiency ratio | 100.5794% | 1,033 |
| Assets per employee ($millions) | 5.3624% | 1,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7382% | 2,489 |
| Loan loss allowance to noncurrent loans | 52.7531% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 4.3099% | 1,437 |
| Noncurrent loans to loans | 3.2950% | 2,292 |
| Net loans and leases to total assets | 69.5782% | 3,602 |
| Net loans and leases to deposits | 84.5161% | 3,566 |
| Net loans and leases to core deposits | 119.6640% | 2,277 |
| Total domestic deposits to total assets | 82.3255% | 4,532 |
| Equity capital to assets | 9.6992% | 4,496 |
| Core capital (leverage) ratio | 10.0068% | 3,272 |
| Tier 1 risk-based capital ratio | 13.1259% | 4,106 |
| Total risk-based capital ratio | 14.3806% | 4,034 |
| Memoranda: | ||
| Average total assets | $94,057,000 | 5,300 |
| Average earning assets | $85,386,500 | 5,323 |
| Average equity | $9,109,000 | 5,629 |
| Average total loans | $71,052,500 | 4,877 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9959% | 2,195 |
| Cost of funding earning assets | 2.2591% | 2,534 |
| Net interest margin | 3.7368% | 3,804 |
| Noninterest income to average assets | 0.3733% | 5,523 |
| Noninterest expense to average assets | 3.5759% | 2,136 |
| Loan and lease loss provision to assets | 0.4505% | 3,283 |
| Net operating income to assets | -0.2746% | 6,297 |
| Return on assets (ROA) | -0.1201% | 6,081 |
| Pretax return on assets | -0.1137% | 6,006 |
| Return on Equity (ROE) | -1.2410% | 6,111 |
| Retained earnings to average equity (ytd only) | -1.2410% | 5,551 |
| Net charge-offs to loans | 0.0167% | 6,290 |
| Credit loss provision to net charge-offs | 3,500.0000% | 137 |
| Earnings coverage of net charge-offs (x) | 14.1667% | 1,678 |
| Efficiency ratio | 95.1484% | 1,431 |
| Assets per employee ($millions) | 5.7901% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3954% | 3,749 |
| Loan loss allowance to noncurrent loans | 115.0831% | 2,553 |
| Noncurrent assets plus other real estate owned to assets | 3.2426% | 1,928 |
| Noncurrent loans to loans | 1.2125% | 4,791 |
| Net loans and leases to total assets | 73.9114% | 2,727 |
| Net loans and leases to deposits | 90.9831% | 2,657 |
| Net loans and leases to core deposits | 144.3877% | 822 |
| Total domestic deposits to total assets | 81.2364% | 4,981 |
| Equity capital to assets | 10.4704% | 3,441 |
| Core capital (leverage) ratio | 10.5372% | 2,778 |
| Tier 1 risk-based capital ratio | 13.6534% | 3,723 |
| Total risk-based capital ratio | 14.9043% | 3,648 |
| Memoranda: | ||
| Average total assets | $93,235,000 | 5,365 |
| Average earning assets | $84,458,000 | 5,394 |
| Average equity | $9,024,670 | 5,681 |
| Average total loans | $71,954,330 | 4,888 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0649% | 2,092 |
| Cost of funding earning assets | 2.3421% | 2,534 |
| Net interest margin | 3.7228% | 3,791 |
| Noninterest income to average assets | 0.4063% | 5,168 |
| Noninterest expense to average assets | 3.5753% | 1,916 |
| Loan and lease loss provision to assets | 0.7612% | 1,688 |
| Net operating income to assets | -0.5602% | 6,935 |
| Return on assets (ROA) | -0.5602% | 6,982 |
| Pretax return on assets | -0.5517% | 6,862 |
| Return on Equity (ROE) | -6.0320% | 7,066 |
| Retained earnings to average equity (ytd only) | -6.0320% | 6,689 |
| Net charge-offs to loans | -0.2732% | 8,052 |
| Credit loss provision to net charge-offs | -356.0000% | 6,346 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4633% | 1,407 |
| Assets per employee ($millions) | 5.8497% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4068% | 3,460 |
| Loan loss allowance to noncurrent loans | 338.9078% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 2.4403% | 2,348 |
| Noncurrent loans to loans | 0.4151% | 6,384 |
| Net loans and leases to total assets | 74.3565% | 2,661 |
| Net loans and leases to deposits | 92.5785% | 2,500 |
| Net loans and leases to core deposits | 152.9572% | 621 |
| Total domestic deposits to total assets | 80.3173% | 5,234 |
| Equity capital to assets | 10.3937% | 3,567 |
| Core capital (leverage) ratio | 10.5520% | 2,869 |
| Tier 1 risk-based capital ratio | 13.3296% | 3,979 |
| Total risk-based capital ratio | 14.5812% | 3,891 |
| Memoranda: | ||
| Average total assets | $93,531,500 | 5,386 |
| Average earning assets | $84,881,500 | 5,397 |
| Average equity | $8,687,000 | 5,816 |
| Average total loans | $73,210,500 | 4,864 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9282% | 1,317 |
| Cost of funding earning assets | 2.8788% | 2,357 |
| Net interest margin | 4.0494% | 2,910 |
| Noninterest income to average assets | 0.2886% | 6,398 |
| Noninterest expense to average assets | 4.0337% | 1,368 |
| Loan and lease loss provision to assets | 0.3572% | 3,543 |
| Net operating income to assets | -0.4036% | 6,828 |
| Return on assets (ROA) | -0.4036% | 6,705 |
| Pretax return on assets | -0.4036% | 6,549 |
| Return on Equity (ROE) | -4.7268% | 6,835 |
| Retained earnings to average equity (ytd only) | -4.7268% | 6,466 |
| Net charge-offs to loans | 0.4003% | 2,816 |
| Credit loss provision to net charge-offs | 110.2389% | 4,891 |
| Earnings coverage of net charge-offs (x) | -0.1433% | 6,348 |
| Efficiency ratio | 101.1647% | 938 |
| Assets per employee ($millions) | 5.8418% | 1,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 5,954 |
| Loan loss allowance to noncurrent loans | 338.4956% | 1,204 |
| Noncurrent assets plus other real estate owned to assets | 2.3709% | 2,047 |
| Noncurrent loans to loans | 0.2980% | 6,487 |
| Net loans and leases to total assets | 80.3152% | 1,587 |
| Net loans and leases to deposits | 98.1628% | 2,100 |
| Net loans and leases to core deposits | 160.2737% | 571 |
| Total domestic deposits to total assets | 81.8184% | 4,270 |
| Equity capital to assets | 8.1803% | 6,579 |
| Core capital (leverage) ratio | 7.9037% | 6,648 |
| Tier 1 risk-based capital ratio | 9.8361% | 6,913 |
| Total risk-based capital ratio | 10.8358% | 7,115 |
| Memoranda: | ||
| Average total assets | $90,437,600 | 5,340 |
| Average earning assets | $82,604,200 | 5,342 |
| Average equity | $7,722,000 | 6,200 |
| Average total loans | $73,204,000 | 4,763 |