Home > Insight Bank > Performance and Condition Ratios
Insight Bank, Performance and Condition Ratios
| 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 | 4.3487% | 2,388 |
| Cost of funding earning assets | 0.6067% | 1,851 |
| Net interest margin | 3.7419% | 2,791 |
| Noninterest income to average assets | 0.5066% | 3,435 |
| Noninterest expense to average assets | 2.9034% | 3,152 |
| Loan and lease loss provision to assets | 0.3625% | 479 |
| Net operating income to assets | 0.5429% | 4,636 |
| Return on assets (ROA) | 0.5429% | 4,728 |
| Pretax return on assets | 0.8657% | 4,013 |
| Return on Equity (ROE) | 5.4018% | 4,480 |
| Retained earnings to average equity (ytd only) | 5.2559% | 2,793 |
| 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 | 70.2737% | 3,610 |
| Assets per employee ($millions) | 5.5457% | 1,659 |
| Cash dividends to net income (ytd only)* | 2.7027% | 3,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2713% | 4,018 |
| Loan loss allowance to noncurrent loans | 576.7932% | 818 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 5,558 |
| Noncurrent loans to loans | 0.2204% | 5,343 |
| Net loans and leases to total assets | 85.0814% | 231 |
| Net loans and leases to deposits | 117.8359% | 106 |
| Net loans and leases to core deposits | 124.8016% | 285 |
| Total domestic deposits to total assets | 72.2033% | 6,239 |
| Equity capital to assets | 8.3525% | 5,912 |
| Core capital (leverage) ratio | 8.5900% | 5,540 |
| Tier 1 risk-based capital ratio | 10.4302% | 6,269 |
| Total risk-based capital ratio | 11.6817% | 6,222 |
| Memoranda: | ||
| Average total assets | $231,730,000 | 2,706 |
| Average earning assets | $224,482,670 | 2,597 |
| Average equity | $23,288,330 | 2,821 |
| Average total loans | $199,531,000 | 2,047 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2996% | 2,520 |
| Cost of funding earning assets | 0.6492% | 1,584 |
| Net interest margin | 3.6504% | 3,057 |
| Noninterest income to average assets | 0.3375% | 4,673 |
| Noninterest expense to average assets | 3.1470% | 2,383 |
| Loan and lease loss provision to assets | 0.3967% | 423 |
| Net operating income to assets | 0.1813% | 5,851 |
| Return on assets (ROA) | 0.1813% | 5,894 |
| Pretax return on assets | 0.3267% | 5,661 |
| Return on Equity (ROE) | 1.6483% | 5,883 |
| Retained earnings to average equity (ytd only) | 1.4688% | 5,029 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3080% | 2,012 |
| Assets per employee ($millions) | 4.8691% | 2,415 |
| Cash dividends to net income (ytd only)* | 10.8911% | 2,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2545% | 4,359 |
| Loan loss allowance to noncurrent loans | 534.8101% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 5,614 |
| Noncurrent loans to loans | 0.2346% | 5,398 |
| Net loans and leases to total assets | 85.3752% | 169 |
| Net loans and leases to deposits | 117.6313% | 89 |
| Net loans and leases to core deposits | 126.3539% | 223 |
| Total domestic deposits to total assets | 72.5786% | 6,330 |
| Equity capital to assets | 10.5092% | 3,238 |
| Core capital (leverage) ratio | 11.1643% | 2,253 |
| Tier 1 risk-based capital ratio | 13.1776% | 4,909 |
| Total risk-based capital ratio | 14.4287% | 4,839 |
| Memoranda: | ||
| Average total assets | $222,817,500 | 2,799 |
| Average earning assets | $215,650,000 | 2,685 |
| Average equity | $24,510,500 | 2,696 |
| Average total loans | $191,767,000 | 2,118 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2527% | 3,143 |
| Cost of funding earning assets | 0.7225% | 1,663 |
| Net interest margin | 3.5302% | 3,762 |
| Noninterest income to average assets | 0.7584% | 2,260 |
| Noninterest expense to average assets | 3.1111% | 2,698 |
| Loan and lease loss provision to assets | 0.0978% | 3,168 |
| Net operating income to assets | 0.6115% | 4,210 |
| Return on assets (ROA) | 0.6115% | 4,330 |
| Pretax return on assets | 0.9555% | 3,534 |
| Return on Equity (ROE) | 5.0423% | 4,611 |
| Retained earnings to average equity (ytd only) | 4.8627% | 2,689 |
| Net charge-offs to loans | 0.0413% | 4,640 |
| Credit loss provision to net charge-offs | 288.0597% | 786 |
| Earnings coverage of net charge-offs (x) | 31.0299% | 1,148 |
| Efficiency ratio | 74.7080% | 3,009 |
| Assets per employee ($millions) | 4.5089% | 2,888 |
| Cash dividends to net income (ytd only)* | 3.5626% | 4,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 4,271 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 84.5368% | 220 |
| Net loans and leases to deposits | 101.3378% | 424 |
| Net loans and leases to core deposits | 109.0186% | 651 |
| Total domestic deposits to total assets | 83.4208% | 4,390 |
| Equity capital to assets | 11.5418% | 2,133 |
| Core capital (leverage) ratio | 11.8210% | 1,741 |
| Tier 1 risk-based capital ratio | 14.1283% | 4,207 |
| Total risk-based capital ratio | 15.3783% | 4,156 |
| Memoranda: | ||
| Average total assets | $197,391,400 | 3,062 |
| Average earning assets | $190,444,200 | 2,949 |
| Average equity | $23,937,400 | 2,738 |
| Average total loans | $162,070,200 | 2,393 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2220% | 3,308 |
| Cost of funding earning assets | 0.7222% | 1,790 |
| Net interest margin | 3.4998% | 3,884 |
| Noninterest income to average assets | 0.9310% | 1,658 |
| Noninterest expense to average assets | 3.0608% | 2,790 |
| Loan and lease loss provision to assets | 0.0599% | 3,851 |
| Net operating income to assets | 0.7824% | 3,445 |
| Return on assets (ROA) | 0.7824% | 3,572 |
| Pretax return on assets | 1.1849% | 2,765 |
| Return on Equity (ROE) | 6.3677% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.1885% | 2,291 |
| Net charge-offs to loans | 0.0577% | 4,080 |
| Credit loss provision to net charge-offs | 127.9412% | 1,843 |
| Earnings coverage of net charge-offs (x) | 26.6042% | 1,343 |
| Efficiency ratio | 71.0884% | 3,593 |
| Assets per employee ($millions) | 4.3529% | 3,131 |
| Cash dividends to net income (ytd only)* | 2.8147% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3363% | 4,212 |
| Loan loss allowance to noncurrent loans | 989.6861% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.1114% | 6,100 |
| Noncurrent loans to loans | 0.1350% | 5,919 |
| Net loans and leases to total assets | 81.3812% | 417 |
| Net loans and leases to deposits | 98.5360% | 535 |
| Net loans and leases to core deposits | 106.6042% | 722 |
| Total domestic deposits to total assets | 82.5903% | 4,721 |
| Equity capital to assets | 12.1768% | 1,801 |
| Core capital (leverage) ratio | 11.9905% | 1,677 |
| Tier 1 risk-based capital ratio | 15.5772% | 3,431 |
| Total risk-based capital ratio | 16.8294% | 3,388 |
| Memoranda: | ||
| Average total assets | $193,760,250 | 3,126 |
| Average earning assets | $186,824,750 | 3,025 |
| Average equity | $23,807,000 | 2,776 |
| Average total loans | $157,222,500 | 2,470 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 3,471 |
| Cost of funding earning assets | 0.7030% | 2,045 |
| Net interest margin | 3.4675% | 3,935 |
| Noninterest income to average assets | 1.0271% | 1,443 |
| Noninterest expense to average assets | 3.0187% | 2,937 |
| Loan and lease loss provision to assets | 0.0804% | 3,448 |
| Net operating income to assets | 0.8382% | 3,107 |
| Return on assets (ROA) | 0.8382% | 3,262 |
| Pretax return on assets | 1.2693% | 2,407 |
| Return on Equity (ROE) | 6.8007% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.6228% | 2,080 |
| Net charge-offs to loans | -0.0116% | 5,808 |
| Credit loss provision to net charge-offs | -855.5556% | 6,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1039% | 3,990 |
| Assets per employee ($millions) | 4.3639% | 3,067 |
| Cash dividends to net income (ytd only)* | 2.6152% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4061% | 4,007 |
| Loan loss allowance to noncurrent loans | 2,368.7500% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 6,364 |
| Noncurrent loans to loans | 0.0594% | 6,208 |
| Net loans and leases to total assets | 79.4321% | 589 |
| Net loans and leases to deposits | 95.8989% | 683 |
| Net loans and leases to core deposits | 104.6905% | 810 |
| Total domestic deposits to total assets | 82.8290% | 4,772 |
| Equity capital to assets | 11.9742% | 1,930 |
| Core capital (leverage) ratio | 12.4469% | 1,389 |
| Tier 1 risk-based capital ratio | 16.1746% | 3,103 |
| Total risk-based capital ratio | 17.4282% | 3,052 |
| Memoranda: | ||
| Average total assets | $191,602,670 | 3,171 |
| Average earning assets | $184,631,330 | 3,053 |
| Average equity | $23,615,330 | 2,804 |
| Average total loans | $154,577,000 | 2,511 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 3,616 |
| Cost of funding earning assets | 0.6996% | 2,213 |
| Net interest margin | 3.4270% | 4,020 |
| Noninterest income to average assets | 0.9838% | 1,509 |
| Noninterest expense to average assets | 3.0454% | 2,850 |
| Loan and lease loss provision to assets | 0.0684% | 3,491 |
| Net operating income to assets | 0.7721% | 3,321 |
| Return on assets (ROA) | 0.7721% | 3,456 |
| Pretax return on assets | 1.1698% | 2,685 |
| Return on Equity (ROE) | 6.1698% | 3,955 |
| Retained earnings to average equity (ytd only) | 5.9818% | 2,685 |
| Net charge-offs to loans | 0.3232% | 1,668 |
| Credit loss provision to net charge-offs | 26.2295% | 2,944 |
| Earnings coverage of net charge-offs (x) | 4.7459% | 2,484 |
| Efficiency ratio | 71.0934% | 3,773 |
| Assets per employee ($millions) | 4.2747% | 3,383 |
| Cash dividends to net income (ytd only)* | 3.0471% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 4,535 |
| Loan loss allowance to noncurrent loans | 387.8004% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.2876% | 5,711 |
| Noncurrent loans to loans | 0.3443% | 5,541 |
| Net loans and leases to total assets | 82.4346% | 264 |
| Net loans and leases to deposits | 100.6256% | 328 |
| Net loans and leases to core deposits | 110.7154% | 475 |
| Total domestic deposits to total assets | 81.9221% | 5,220 |
| Equity capital to assets | 12.5411% | 1,689 |
| Core capital (leverage) ratio | 12.8460% | 1,178 |
| Tier 1 risk-based capital ratio | 16.5989% | 2,952 |
| Total risk-based capital ratio | 17.8515% | 2,912 |
| Memoranda: | ||
| Average total assets | $187,034,000 | 3,270 |
| Average earning assets | $180,097,000 | 3,143 |
| Average equity | $23,404,500 | 2,864 |
| Average total loans | $151,002,500 | 2,572 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8524% | 2,010 |
| Cost of funding earning assets | 0.8352% | 2,391 |
| Net interest margin | 4.0172% | 2,325 |
| Noninterest income to average assets | 1.4884% | 713 |
| Noninterest expense to average assets | 3.5198% | 1,775 |
| Loan and lease loss provision to assets | 0.2534% | 2,629 |
| Net operating income to assets | 1.0355% | 2,185 |
| Return on assets (ROA) | 1.0355% | 2,389 |
| Pretax return on assets | 1.5684% | 1,464 |
| Return on Equity (ROE) | 7.8765% | 3,140 |
| Retained earnings to average equity (ytd only) | 7.6828% | 1,246 |
| Net charge-offs to loans | 0.1801% | 3,933 |
| Credit loss provision to net charge-offs | 169.1700% | 1,564 |
| Earnings coverage of net charge-offs (x) | 12.1621% | 1,958 |
| Efficiency ratio | 65.8945% | 4,525 |
| Assets per employee ($millions) | 4.1329% | 3,682 |
| Cash dividends to net income (ytd only)* | 2.4585% | 4,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5104% | 3,702 |
| Loan loss allowance to noncurrent loans | 154.7383% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 0.7603% | 4,573 |
| Noncurrent loans to loans | 0.9761% | 4,239 |
| Net loans and leases to total assets | 76.7123% | 833 |
| Net loans and leases to deposits | 93.8039% | 762 |
| Net loans and leases to core deposits | 104.8073% | 742 |
| Total domestic deposits to total assets | 81.7794% | 5,168 |
| Equity capital to assets | 12.4856% | 1,724 |
| Core capital (leverage) ratio | 12.4837% | 1,325 |
| Tier 1 risk-based capital ratio | 18.4444% | 2,121 |
| Total risk-based capital ratio | 19.7002% | 2,084 |
| Memoranda: | ||
| Average total assets | $168,901,600 | 3,475 |
| Average earning assets | $162,003,600 | 3,348 |
| Average equity | $22,205,400 | 2,945 |
| Average total loans | $140,508,600 | 2,710 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8593% | 2,157 |
| Cost of funding earning assets | 0.8557% | 2,495 |
| Net interest margin | 4.0036% | 2,491 |
| Noninterest income to average assets | 1.3881% | 777 |
| Noninterest expense to average assets | 3.5513% | 1,653 |
| Loan and lease loss provision to assets | 0.2826% | 2,306 |
| Net operating income to assets | 0.9168% | 2,899 |
| Return on assets (ROA) | 0.9168% | 3,124 |
| Pretax return on assets | 1.3889% | 2,274 |
| Return on Equity (ROE) | 6.8756% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.6812% | 2,288 |
| Net charge-offs to loans | 0.2419% | 3,269 |
| Credit loss provision to net charge-offs | 137.9447% | 2,085 |
| Earnings coverage of net charge-offs (x) | 8.1582% | 2,496 |
| Efficiency ratio | 67.9950% | 4,065 |
| Assets per employee ($millions) | 3.6753% | 4,595 |
| Cash dividends to net income (ytd only)* | 2.8271% | 3,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3741% | 4,481 |
| Loan loss allowance to noncurrent loans | 382.7586% | 984 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 5,928 |
| Noncurrent loans to loans | 0.3590% | 5,760 |
| Net loans and leases to total assets | 84.0513% | 225 |
| Net loans and leases to deposits | 103.1265% | 307 |
| Net loans and leases to core deposits | 118.3071% | 342 |
| Total domestic deposits to total assets | 81.5031% | 5,187 |
| Equity capital to assets | 12.5454% | 1,864 |
| Core capital (leverage) ratio | 13.0359% | 1,181 |
| Tier 1 risk-based capital ratio | 17.1475% | 2,673 |
| Total risk-based capital ratio | 18.4021% | 2,621 |
| Memoranda: | ||
| Average total assets | $164,631,500 | 3,574 |
| Average earning assets | $157,688,000 | 3,453 |
| Average equity | $21,951,500 | 3,003 |
| Average total loans | $139,421,000 | 2,756 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9495% | 1,927 |
| Cost of funding earning assets | 0.8887% | 2,496 |
| Net interest margin | 4.0608% | 2,244 |
| Noninterest income to average assets | 1.1588% | 1,057 |
| Noninterest expense to average assets | 3.4914% | 1,803 |
| Loan and lease loss provision to assets | 0.2458% | 2,603 |
| Net operating income to assets | 0.8628% | 3,071 |
| Return on assets (ROA) | 0.8628% | 3,339 |
| Pretax return on assets | 1.3068% | 2,534 |
| Return on Equity (ROE) | 6.3300% | 4,140 |
| Retained earnings to average equity (ytd only) | 6.1368% | 2,620 |
| Net charge-offs to loans | 0.3770% | 2,508 |
| Credit loss provision to net charge-offs | 77.1654% | 3,400 |
| Earnings coverage of net charge-offs (x) | 4.8740% | 2,966 |
| Efficiency ratio | 69.2193% | 3,893 |
| Assets per employee ($millions) | 3.4081% | 5,198 |
| Cash dividends to net income (ytd only)* | 3.0523% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3798% | 4,540 |
| Loan loss allowance to noncurrent loans | 350.9874% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 5,912 |
| Noncurrent loans to loans | 0.3931% | 5,752 |
| Net loans and leases to total assets | 85.4206% | 161 |
| Net loans and leases to deposits | 106.7078% | 211 |
| Net loans and leases to core deposits | 127.2998% | 234 |
| Total domestic deposits to total assets | 80.0510% | 5,728 |
| Equity capital to assets | 13.5225% | 1,297 |
| Core capital (leverage) ratio | 13.2250% | 1,086 |
| Tier 1 risk-based capital ratio | 18.2826% | 2,202 |
| Total risk-based capital ratio | 19.5372% | 2,167 |
| Memoranda: | ||
| Average total assets | $159,478,670 | 3,672 |
| Average earning assets | $152,580,000 | 3,556 |
| Average equity | $21,737,670 | 3,015 |
| Average total loans | $134,735,670 | 2,841 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9083% | 2,203 |
| Cost of funding earning assets | 0.9143% | 2,575 |
| Net interest margin | 3.9940% | 2,532 |
| Noninterest income to average assets | 0.8664% | 1,882 |
| Noninterest expense to average assets | 3.3565% | 2,124 |
| Loan and lease loss provision to assets | 0.1575% | 3,411 |
| Net operating income to assets | 0.7801% | 3,474 |
| Return on assets (ROA) | 0.7801% | 3,713 |
| Pretax return on assets | 1.1815% | 2,979 |
| Return on Equity (ROE) | 5.6994% | 4,458 |
| Retained earnings to average equity (ytd only) | 5.4952% | 3,264 |
| Net charge-offs to loans | 0.0427% | 4,095 |
| Credit loss provision to net charge-offs | 442.8571% | 728 |
| Earnings coverage of net charge-offs (x) | 37.6429% | 785 |
| Efficiency ratio | 71.4827% | 3,536 |
| Assets per employee ($millions) | 3.6643% | 4,733 |
| Cash dividends to net income (ytd only)* | 3.5831% | 2,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5499% | 3,943 |
| Loan loss allowance to noncurrent loans | 248.3133% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 0.5268% | 5,551 |
| Noncurrent loans to loans | 0.6242% | 5,399 |
| Net loans and leases to total assets | 83.0858% | 216 |
| Net loans and leases to deposits | 104.3871% | 243 |
| Net loans and leases to core deposits | 129.1444% | 208 |
| Total domestic deposits to total assets | 79.5939% | 5,948 |
| Equity capital to assets | 13.7803% | 1,099 |
| Core capital (leverage) ratio | 13.7460% | 866 |
| Tier 1 risk-based capital ratio | 18.9273% | 2,017 |
| Total risk-based capital ratio | 20.1843% | 1,969 |
| Memoranda: | ||
| Average total assets | $157,424,500 | 3,736 |
| Average earning assets | $150,927,000 | 3,600 |
| Average equity | $21,546,000 | 3,030 |
| Average total loans | $131,257,500 | 2,921 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0797% | 2,532 |
| Cost of funding earning assets | 1.0619% | 2,940 |
| Net interest margin | 4.0178% | 2,796 |
| Noninterest income to average assets | 1.2520% | 831 |
| Noninterest expense to average assets | 3.5755% | 1,791 |
| Loan and lease loss provision to assets | 0.2982% | 3,281 |
| Net operating income to assets | 1.1191% | 1,760 |
| Return on assets (ROA) | 1.1191% | 1,882 |
| Pretax return on assets | 1.2292% | 2,355 |
| Return on Equity (ROE) | 9.0517% | 2,420 |
| Retained earnings to average equity (ytd only) | 8.9459% | 820 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0675% | 3,946 |
| Assets per employee ($millions) | 3.9321% | 4,004 |
| Cash dividends to net income (ytd only)* | 1.1692% | 4,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5540% | 3,783 |
| Loan loss allowance to noncurrent loans | 215.7556% | 1,530 |
| Noncurrent assets plus other real estate owned to assets | 0.5932% | 5,485 |
| Noncurrent loans to loans | 0.7202% | 5,259 |
| Net loans and leases to total assets | 81.0806% | 404 |
| Net loans and leases to deposits | 101.7644% | 387 |
| Net loans and leases to core deposits | 128.5052% | 252 |
| Total domestic deposits to total assets | 79.6749% | 5,822 |
| Equity capital to assets | 13.5927% | 1,225 |
| Core capital (leverage) ratio | 13.6265% | 918 |
| Tier 1 risk-based capital ratio | 19.4282% | 1,788 |
| Total risk-based capital ratio | 20.6850% | 1,753 |
| Memoranda: | ||
| Average total assets | $145,212,000 | 3,884 |
| Average earning assets | $139,180,600 | 3,762 |
| Average equity | $17,952,400 | 3,432 |
| Average total loans | $121,664,000 | 3,145 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1109% | 2,554 |
| Cost of funding earning assets | 1.0913% | 3,034 |
| Net interest margin | 4.0196% | 2,835 |
| Noninterest income to average assets | 1.1974% | 921 |
| Noninterest expense to average assets | 3.6203% | 1,667 |
| Loan and lease loss provision to assets | 0.2382% | 3,621 |
| Net operating income to assets | 1.2096% | 1,629 |
| Return on assets (ROA) | 1.2096% | 1,736 |
| Pretax return on assets | 1.1899% | 2,668 |
| Return on Equity (ROE) | 10.0607% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.9906% | 848 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7125% | 3,612 |
| Assets per employee ($millions) | 3.8800% | 4,118 |
| Cash dividends to net income (ytd only)* | 0.6977% | 3,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 4,194 |
| Loan loss allowance to noncurrent loans | 220.6980% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 0.5492% | 5,735 |
| Noncurrent loans to loans | 0.6717% | 5,541 |
| Net loans and leases to total assets | 80.5518% | 466 |
| Net loans and leases to deposits | 101.7480% | 402 |
| Net loans and leases to core deposits | 131.0896% | 237 |
| Total domestic deposits to total assets | 79.1680% | 5,953 |
| Equity capital to assets | 13.8990% | 1,197 |
| Core capital (leverage) ratio | 14.2520% | 831 |
| Tier 1 risk-based capital ratio | 20.3082% | 1,616 |
| Total risk-based capital ratio | 21.5673% | 1,583 |
| Memoranda: | ||
| Average total assets | $142,194,250 | 3,958 |
| Average earning assets | $136,227,500 | 3,832 |
| Average equity | $17,095,750 | 3,567 |
| Average total loans | $119,695,250 | 3,208 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1202% | 2,588 |
| Cost of funding earning assets | 1.1208% | 3,093 |
| Net interest margin | 3.9994% | 2,841 |
| Noninterest income to average assets | 1.2404% | 820 |
| Noninterest expense to average assets | 3.8346% | 1,303 |
| Loan and lease loss provision to assets | 0.2501% | 3,404 |
| Net operating income to assets | 1.3050% | 1,298 |
| Return on assets (ROA) | 1.3050% | 1,376 |
| Pretax return on assets | 0.9917% | 3,271 |
| Return on Equity (ROE) | 11.5056% | 1,636 |
| Retained earnings to average equity (ytd only) | 11.5056% | 592 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5379% | 3,098 |
| Assets per employee ($millions) | 3.4339% | 5,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4506% | 4,343 |
| Loan loss allowance to noncurrent loans | 166.0985% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.7322% | 5,447 |
| Noncurrent loans to loans | 0.8734% | 5,209 |
| Net loans and leases to total assets | 82.6207% | 328 |
| Net loans and leases to deposits | 101.4966% | 423 |
| Net loans and leases to core deposits | 130.4140% | 271 |
| Total domestic deposits to total assets | 81.4024% | 5,387 |
| Equity capital to assets | 11.3512% | 2,645 |
| Core capital (leverage) ratio | 11.5973% | 1,844 |
| Tier 1 risk-based capital ratio | 16.0439% | 2,960 |
| Total risk-based capital ratio | 17.2993% | 2,920 |
| Memoranda: | ||
| Average total assets | $139,152,330 | 4,039 |
| Average earning assets | $133,471,670 | 3,916 |
| Average equity | $15,783,670 | 3,768 |
| Average total loans | $118,352,000 | 3,259 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1053% | 2,623 |
| Cost of funding earning assets | 1.0916% | 3,580 |
| Net interest margin | 4.0137% | 2,631 |
| Noninterest income to average assets | 1.1009% | 1,082 |
| Noninterest expense to average assets | 3.9029% | 1,170 |
| Loan and lease loss provision to assets | 0.3191% | 2,636 |
| Net operating income to assets | 0.4890% | 4,526 |
| Return on assets (ROA) | 0.4890% | 4,613 |
| Pretax return on assets | 0.7437% | 4,128 |
| Return on Equity (ROE) | 4.3125% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.3125% | 3,584 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5967% | 2,749 |
| Assets per employee ($millions) | 3.5100% | 4,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 4,586 |
| Loan loss allowance to noncurrent loans | 270.2400% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.4452% | 6,096 |
| Noncurrent loans to loans | 0.5237% | 5,979 |
| Net loans and leases to total assets | 83.8069% | 239 |
| Net loans and leases to deposits | 107.1592% | 229 |
| Net loans and leases to core deposits | 137.2431% | 216 |
| Total domestic deposits to total assets | 78.2078% | 6,350 |
| Equity capital to assets | 11.1048% | 2,583 |
| Core capital (leverage) ratio | 11.9660% | 1,585 |
| Tier 1 risk-based capital ratio | 15.5670% | 3,129 |
| Total risk-based capital ratio | 16.8221% | 3,079 |
| Memoranda: | ||
| Average total assets | $136,617,000 | 4,128 |
| Average earning assets | $131,549,000 | 3,986 |
| Average equity | $15,490,000 | 3,814 |
| Average total loans | $117,072,000 | 3,311 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8419% | 1,171 |
| Cost of funding earning assets | 1.5900% | 2,124 |
| Net interest margin | 4.2519% | 1,986 |
| Noninterest income to average assets | 1.7166% | 507 |
| Noninterest expense to average assets | 4.4117% | 709 |
| Loan and lease loss provision to assets | 0.4211% | 3,585 |
| Net operating income to assets | 0.6473% | 3,451 |
| Return on assets (ROA) | 0.6500% | 3,586 |
| Pretax return on assets | 0.6500% | 4,167 |
| Return on Equity (ROE) | 5.9794% | 3,618 |
| Retained earnings to average equity (ytd only) | 5.9794% | 1,832 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5037% | 2,345 |
| Assets per employee ($millions) | 3.2399% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3764% | 4,626 |
| Loan loss allowance to noncurrent loans | 252.3962% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 0.4713% | 6,102 |
| Noncurrent loans to loans | 0.5453% | 5,960 |
| Net loans and leases to total assets | 85.2268% | 226 |
| Net loans and leases to deposits | 109.0192% | 248 |
| Net loans and leases to core deposits | 138.7747% | 236 |
| Total domestic deposits to total assets | 78.1759% | 6,276 |
| Equity capital to assets | 11.5850% | 2,192 |
| Core capital (leverage) ratio | 12.0090% | 1,545 |
| Tier 1 risk-based capital ratio | 16.2179% | 2,651 |
| Total risk-based capital ratio | 17.4730% | 2,605 |
| Memoranda: | ||
| Average total assets | $114,468,000 | 4,599 |
| Average earning assets | $101,320,600 | 4,689 |
| Average equity | $12,442,800 | 4,495 |
| Average total loans | $96,299,200 | 3,889 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9990% | 939 |
| Cost of funding earning assets | 1.7036% | 1,864 |
| Net interest margin | 4.2955% | 1,864 |
| Noninterest income to average assets | 1.6770% | 500 |
| Noninterest expense to average assets | 4.4413% | 637 |
| Loan and lease loss provision to assets | 0.4635% | 3,153 |
| Net operating income to assets | 0.4805% | 4,401 |
| Return on assets (ROA) | 0.4842% | 4,582 |
| Pretax return on assets | 0.4842% | 4,980 |
| Return on Equity (ROE) | 4.5445% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.5445% | 3,311 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4696% | 2,012 |
| Assets per employee ($millions) | 3.1352% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 4,465 |
| Loan loss allowance to noncurrent loans | 236.0447% | 1,237 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 5,768 |
| Noncurrent loans to loans | 0.5928% | 6,029 |
| Net loans and leases to total assets | 85.2855% | 247 |
| Net loans and leases to deposits | 114.8177% | 178 |
| Net loans and leases to core deposits | 148.4864% | 197 |
| Total domestic deposits to total assets | 74.2791% | 6,888 |
| Equity capital to assets | 12.2675% | 1,999 |
| Core capital (leverage) ratio | 13.1618% | 1,169 |
| Tier 1 risk-based capital ratio | 17.4646% | 2,188 |
| Total risk-based capital ratio | 18.7221% | 2,149 |
| Memoranda: | ||
| Average total assets | $109,876,250 | 4,775 |
| Average earning assets | $94,857,500 | 4,933 |
| Average equity | $11,706,250 | 4,762 |
| Average total loans | $91,676,250 | 4,077 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0915% | 769 |
| Cost of funding earning assets | 1.8669% | 1,349 |
| Net interest margin | 4.2246% | 2,070 |
| Noninterest income to average assets | 1.6379% | 480 |
| Noninterest expense to average assets | 4.3993% | 647 |
| Loan and lease loss provision to assets | 0.3575% | 3,572 |
| Net operating income to assets | 0.4464% | 4,566 |
| Return on assets (ROA) | 0.4464% | 4,715 |
| Pretax return on assets | 0.4464% | 5,075 |
| Return on Equity (ROE) | 4.4493% | 4,566 |
| Retained earnings to average equity (ytd only) | 4.4493% | 3,236 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5511% | 1,859 |
| Assets per employee ($millions) | 2.8682% | 6,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4009% | 4,414 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 6,947 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 80.9787% | 671 |
| Net loans and leases to deposits | 94.7818% | 1,175 |
| Net loans and leases to core deposits | 124.7531% | 554 |
| Total domestic deposits to total assets | 85.4370% | 3,398 |
| Equity capital to assets | 9.6854% | 4,421 |
| Core capital (leverage) ratio | 9.8379% | 3,354 |
| Tier 1 risk-based capital ratio | 14.3938% | 3,495 |
| Total risk-based capital ratio | 15.6486% | 3,460 |
| Memoranda: | ||
| Average total assets | $105,743,670 | 4,920 |
| Average earning assets | $89,238,670 | 5,127 |
| Average equity | $10,608,330 | 5,026 |
| Average total loans | $86,981,000 | 4,224 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8602% | 1,295 |
| Cost of funding earning assets | 1.9764% | 1,167 |
| Net interest margin | 3.8837% | 3,398 |
| Noninterest income to average assets | 1.4101% | 607 |
| Noninterest expense to average assets | 4.1447% | 861 |
| Loan and lease loss provision to assets | 0.2065% | 4,437 |
| Net operating income to assets | 0.3428% | 5,114 |
| Return on assets (ROA) | 0.3428% | 5,238 |
| Pretax return on assets | 0.3428% | 5,483 |
| Return on Equity (ROE) | 3.3538% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.3538% | 4,146 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2988% | 1,560 |
| Assets per employee ($millions) | 2.8846% | 6,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 4,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1855% | 7,008 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 79.6198% | 888 |
| Net loans and leases to deposits | 93.4523% | 1,413 |
| Net loans and leases to core deposits | 106.2862% | 1,554 |
| Total domestic deposits to total assets | 85.1983% | 3,563 |
| Equity capital to assets | 9.8940% | 4,001 |
| Core capital (leverage) ratio | 10.3178% | 2,795 |
| Tier 1 risk-based capital ratio | 15.2375% | 2,987 |
| Total risk-based capital ratio | 16.4932% | 2,948 |
| Memoranda: | ||
| Average total assets | $102,686,000 | 5,070 |
| Average earning assets | $86,823,500 | 5,279 |
| Average equity | $10,495,500 | 5,102 |
| Average total loans | $84,537,000 | 4,367 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8127% | 2,602 |
| Cost of funding earning assets | 2.2907% | 1,696 |
| Net interest margin | 3.5220% | 4,861 |
| Noninterest income to average assets | 2.2922% | 313 |
| Noninterest expense to average assets | 5.2847% | 438 |
| Loan and lease loss provision to assets | 0.4322% | 4,235 |
| Net operating income to assets | -0.1582% | 5,776 |
| Return on assets (ROA) | -0.1582% | 5,775 |
| Pretax return on assets | -0.1582% | 5,656 |
| Return on Equity (ROE) | -1.2917% | 5,734 |
| Retained earnings to average equity (ytd only) | -1.2917% | 5,342 |
| Net charge-offs to loans | 0.0609% | 6,487 |
| Credit loss provision to net charge-offs | 831.8182% | 350 |
| Earnings coverage of net charge-offs (x) | 5.2727% | 2,643 |
| Efficiency ratio | 95.0712% | 1,348 |
| Assets per employee ($millions) | 2.3486% | 7,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3238% | 4,622 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4562% | 6,314 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 82.9736% | 547 |
| Net loans and leases to deposits | 99.5584% | 943 |
| Net loans and leases to core deposits | 163.1341% | 308 |
| Total domestic deposits to total assets | 83.3416% | 4,367 |
| Equity capital to assets | 10.5747% | 3,102 |
| Core capital (leverage) ratio | 11.1161% | 2,162 |
| Tier 1 risk-based capital ratio | 15.0731% | 2,901 |
| Total risk-based capital ratio | 16.2933% | 2,869 |
| Memoranda: | ||
| Average total assets | $84,679,000 | 5,574 |
| Average earning assets | $78,534,400 | 5,508 |
| Average equity | $10,374,000 | 5,199 |
| Average total loans | $72,231,400 | 4,792 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6703% | 3,473 |
| Cost of funding earning assets | 2.3962% | 1,649 |
| Net interest margin | 3.2741% | 5,733 |
| Noninterest income to average assets | 2.2761% | 306 |
| Noninterest expense to average assets | 5.2420% | 415 |
| Loan and lease loss provision to assets | 0.4976% | 3,409 |
| Net operating income to assets | -0.3646% | 6,278 |
| Return on assets (ROA) | -0.3646% | 6,278 |
| Pretax return on assets | -0.3646% | 6,156 |
| Return on Equity (ROE) | -2.8571% | 6,223 |
| Retained earnings to average equity (ytd only) | -2.8571% | 5,909 |
| Net charge-offs to loans | 0.0844% | 5,840 |
| Credit loss provision to net charge-offs | 688.6364% | 544 |
| Earnings coverage of net charge-offs (x) | 1.8408% | 4,425 |
| Efficiency ratio | 97.5252% | 1,185 |
| Assets per employee ($millions) | 2.1189% | 7,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 4,554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 6,231 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 86.7788% | 289 |
| Net loans and leases to deposits | 100.5647% | 1,059 |
| Net loans and leases to core deposits | 155.9621% | 462 |
| Total domestic deposits to total assets | 86.2914% | 2,544 |
| Equity capital to assets | 11.3334% | 2,722 |
| Core capital (leverage) ratio | 11.3971% | 2,126 |
| Tier 1 risk-based capital ratio | 13.3798% | 3,943 |
| Total risk-based capital ratio | 14.6313% | 3,880 |
| Memoranda: | ||
| Average total assets | $81,188,500 | 5,726 |
| Average earning assets | $76,842,750 | 5,602 |
| Average equity | $10,359,750 | 5,238 |
| Average total loans | $69,553,250 | 4,931 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6468% | 3,831 |
| Cost of funding earning assets | 2.5709% | 1,372 |
| Net interest margin | 3.0759% | 6,316 |
| Noninterest income to average assets | 2.0236% | 366 |
| Noninterest expense to average assets | 4.9743% | 519 |
| Loan and lease loss provision to assets | 0.6163% | 2,588 |
| Net operating income to assets | -0.6574% | 6,711 |
| Return on assets (ROA) | -0.6574% | 6,719 |
| Pretax return on assets | -0.6574% | 6,570 |
| Return on Equity (ROE) | -4.9368% | 6,599 |
| Retained earnings to average equity (ytd only) | -4.9368% | 6,290 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8329% | 1,136 |
| Assets per employee ($millions) | 2.2603% | 7,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3849% | 3,812 |
| Loan loss allowance to noncurrent loans | 205.6680% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 5,981 |
| Noncurrent loans to loans | 0.6734% | 5,901 |
| Net loans and leases to total assets | 84.2314% | 603 |
| Net loans and leases to deposits | 98.5882% | 1,444 |
| Net loans and leases to core deposits | 144.6035% | 813 |
| Total domestic deposits to total assets | 85.4375% | 3,046 |
| Equity capital to assets | 11.9545% | 2,231 |
| Core capital (leverage) ratio | 11.9571% | 1,851 |
| Tier 1 risk-based capital ratio | 17.1143% | 2,267 |
| Total risk-based capital ratio | 18.3697% | 2,210 |
| Memoranda: | ||
| Average total assets | $77,881,000 | 5,870 |
| Average earning assets | $73,670,330 | 5,759 |
| Average equity | $10,371,000 | 5,259 |
| Average total loans | $66,037,670 | 5,110 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5474% | 4,653 |
| Cost of funding earning assets | 2.6536% | 1,399 |
| Net interest margin | 2.8938% | 6,760 |
| Noninterest income to average assets | 1.4240% | 695 |
| Noninterest expense to average assets | 4.6402% | 631 |
| Loan and lease loss provision to assets | 0.6497% | 1,946 |
| Net operating income to assets | -1.1262% | 7,320 |
| Return on assets (ROA) | -1.1262% | 7,331 |
| Pretax return on assets | -1.1262% | 7,212 |
| Return on Equity (ROE) | -7.9827% | 7,237 |
| Retained earnings to average equity (ytd only) | -7.9827% | 6,913 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.4434% | 777 |
| Assets per employee ($millions) | 2.1681% | 7,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3648% | 3,708 |
| Loan loss allowance to noncurrent loans | 181.3765% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 5,646 |
| Noncurrent loans to loans | 0.7525% | 5,545 |
| Net loans and leases to total assets | 80.7228% | 1,252 |
| Net loans and leases to deposits | 96.1884% | 1,914 |
| Net loans and leases to core deposits | 144.2751% | 920 |
| Total domestic deposits to total assets | 83.9215% | 3,747 |
| Equity capital to assets | 12.8349% | 1,817 |
| Core capital (leverage) ratio | 13.8666% | 1,217 |
| Tier 1 risk-based capital ratio | 16.9421% | 2,359 |
| Total risk-based capital ratio | 18.1951% | 2,287 |
| Memoranda: | ||
| Average total assets | $73,875,500 | 6,004 |
| Average earning assets | $69,942,500 | 5,916 |
| Average equity | $10,422,500 | 5,252 |
| Average total loans | $62,374,500 | 5,272 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2352% | 4,327 |
| Cost of funding earning assets | 2.6930% | 3,187 |
| Net interest margin | 3.5422% | 5,135 |
| Noninterest income to average assets | 1.9755% | 352 |
| Noninterest expense to average assets | 5.6058% | 477 |
| Loan and lease loss provision to assets | 0.7404% | 2,004 |
| Net operating income to assets | -0.9309% | 7,207 |
| Return on assets (ROA) | -0.8943% | 7,103 |
| Pretax return on assets | -0.8943% | 6,936 |
| Return on Equity (ROE) | -4.5482% | 6,813 |
| Retained earnings to average equity (ytd only) | -4.5482% | 6,422 |
| Net charge-offs to loans | 0.0021% | 6,994 |
| Credit loss provision to net charge-offs | 40,400.0000% | 9 |
| Earnings coverage of net charge-offs (x) | -104.0000% | 7,006 |
| Efficiency ratio | 103.5195% | 880 |
| Assets per employee ($millions) | 2.2511% | 7,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 3,690 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 86.3620% | 560 |
| Net loans and leases to deposits | 111.0557% | 762 |
| Net loans and leases to core deposits | 154.1483% | 711 |
| Total domestic deposits to total assets | 77.7646% | 5,787 |
| Equity capital to assets | 15.6207% | 1,021 |
| Core capital (leverage) ratio | 15.7716% | 871 |
| Tier 1 risk-based capital ratio | 19.1151% | 1,787 |
| Total risk-based capital ratio | 20.3675% | 1,738 |
| Memoranda: | ||
| Average total assets | $54,568,000 | 6,600 |
| Average earning assets | $52,989,400 | 6,466 |
| Average equity | $10,729,600 | 5,205 |
| Average total loans | $46,577,800 | 5,844 |