Home > Jourdanton State Bank > Performance and Condition Ratios
Jourdanton State Bank, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4005% | 5,996 |
| Cost of funding earning assets | 0.0360% | 6,065 |
| Net interest margin | 2.3645% | 5,895 |
| Noninterest income to average assets | 1.0853% | 916 |
| Noninterest expense to average assets | 2.7915% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3242% | 5,226 |
| Return on assets (ROA) | 0.3242% | 5,312 |
| Pretax return on assets | 0.4093% | 5,294 |
| Return on Equity (ROE) | 3.0045% | 5,234 |
| Retained earnings to average equity (ytd only) | 3.0045% | 4,009 |
| Net charge-offs to loans | -0.1636% | 5,793 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2126% | 872 |
| Assets per employee ($millions) | 4.5221% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0695% | 4,228 |
| Loan loss allowance to noncurrent loans | 27.4586% | 5,332 |
| Noncurrent assets plus other real estate owned to assets | 0.5823% | 3,320 |
| Noncurrent loans to loans | 3.8950% | 319 |
| Net loans and leases to total assets | 14.7907% | 6,041 |
| Net loans and leases to deposits | 16.8065% | 6,048 |
| Net loans and leases to core deposits | 17.0154% | 6,047 |
| Total domestic deposits to total assets | 88.0059% | 1,636 |
| Equity capital to assets | 10.8805% | 3,069 |
| Core capital (leverage) ratio | 10.9018% | 2,504 |
| Tier 1 risk-based capital ratio | 27.7009% | 631 |
| Total risk-based capital ratio | 28.1232% | 667 |
| Memoranda: | ||
| Average total assets | $173,959,500 | 3,279 |
| Average earning assets | $155,634,500 | 3,346 |
| Average equity | $18,772,000 | 3,334 |
| Average total loans | $26,893,000 | 5,452 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5637% | 5,977 |
| Cost of funding earning assets | 0.0336% | 6,126 |
| Net interest margin | 2.5300% | 5,807 |
| Noninterest income to average assets | 1.0519% | 1,068 |
| Noninterest expense to average assets | 2.6242% | 3,842 |
| Loan and lease loss provision to assets | 0.0207% | 3,978 |
| Net operating income to assets | 0.5255% | 4,599 |
| Return on assets (ROA) | 0.6703% | 4,036 |
| Pretax return on assets | 0.8968% | 3,850 |
| Return on Equity (ROE) | 6.3328% | 3,885 |
| Retained earnings to average equity (ytd only) | 5.1185% | 2,336 |
| Net charge-offs to loans | 0.1935% | 1,505 |
| Credit loss provision to net charge-offs | 64.2857% | 3,203 |
| Earnings coverage of net charge-offs (x) | 22.4464% | 1,771 |
| Efficiency ratio | 78.3649% | 1,910 |
| Assets per employee ($millions) | 4.7655% | 2,655 |
| Cash dividends to net income (ytd only)* | 19.1745% | 3,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 4,682 |
| Loan loss allowance to noncurrent loans | 1,693.7500% | 378 |
| Noncurrent assets plus other real estate owned to assets | 0.0093% | 5,672 |
| Noncurrent loans to loans | 0.0584% | 5,284 |
| Net loans and leases to total assets | 15.8244% | 6,101 |
| Net loans and leases to deposits | 17.9496% | 6,107 |
| Net loans and leases to core deposits | 18.1483% | 6,104 |
| Total domestic deposits to total assets | 88.1603% | 1,553 |
| Equity capital to assets | 10.6990% | 3,141 |
| Core capital (leverage) ratio | 10.7644% | 2,644 |
| Tier 1 risk-based capital ratio | 28.1865% | 591 |
| Total risk-based capital ratio | 28.6019% | 623 |
| Memoranda: | ||
| Average total assets | $173,500,200 | 3,254 |
| Average earning assets | $157,509,800 | 3,290 |
| Average equity | $18,364,800 | 3,332 |
| Average total loans | $28,933,600 | 5,405 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5691% | 6,059 |
| Cost of funding earning assets | 0.0337% | 6,212 |
| Net interest margin | 2.5353% | 5,894 |
| Noninterest income to average assets | 1.0307% | 1,120 |
| Noninterest expense to average assets | 2.5511% | 4,043 |
| Loan and lease loss provision to assets | 0.0276% | 3,701 |
| Net operating income to assets | 0.5819% | 4,467 |
| Return on assets (ROA) | 0.6008% | 4,489 |
| Pretax return on assets | 0.7794% | 4,398 |
| Return on Equity (ROE) | 5.6912% | 4,307 |
| Retained earnings to average equity (ytd only) | 5.6912% | 2,451 |
| Net charge-offs to loans | 0.2092% | 1,242 |
| Credit loss provision to net charge-offs | 78.2609% | 2,636 |
| Earnings coverage of net charge-offs (x) | 22.1963% | 1,792 |
| Efficiency ratio | 76.5287% | 2,153 |
| Assets per employee ($millions) | 4.0423% | 3,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 4,779 |
| Loan loss allowance to noncurrent loans | 28,200.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,834 |
| Noncurrent loans to loans | 0.0035% | 5,648 |
| Net loans and leases to total assets | 16.5260% | 6,180 |
| Net loans and leases to deposits | 18.8724% | 6,194 |
| Net loans and leases to core deposits | 19.0848% | 6,192 |
| Total domestic deposits to total assets | 87.5671% | 1,768 |
| Equity capital to assets | 11.2090% | 2,793 |
| Core capital (leverage) ratio | 10.8762% | 2,614 |
| Tier 1 risk-based capital ratio | 29.5749% | 547 |
| Total risk-based capital ratio | 30.0330% | 575 |
| Memoranda: | ||
| Average total assets | $173,985,750 | 3,274 |
| Average earning assets | $158,029,500 | 3,312 |
| Average equity | $18,367,250 | 3,359 |
| Average total loans | $29,312,250 | 5,449 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5821% | 6,124 |
| Cost of funding earning assets | 0.0328% | 6,289 |
| Net interest margin | 2.5494% | 5,923 |
| Noninterest income to average assets | 1.0821% | 1,023 |
| Noninterest expense to average assets | 2.5679% | 4,011 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6420% | 4,160 |
| Return on assets (ROA) | 0.6420% | 4,268 |
| Pretax return on assets | 0.8210% | 4,246 |
| Return on Equity (ROE) | 6.2051% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.2051% | 2,109 |
| Net charge-offs to loans | -0.0337% | 5,373 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7739% | 2,402 |
| Assets per employee ($millions) | 3.9572% | 3,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0206% | 4,764 |
| Loan loss allowance to noncurrent loans | 4,228.5714% | 151 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,895 |
| Noncurrent loans to loans | 0.0241% | 5,661 |
| Net loans and leases to total assets | 17.2716% | 6,241 |
| Net loans and leases to deposits | 19.6567% | 6,255 |
| Net loans and leases to core deposits | 19.8820% | 6,255 |
| Total domestic deposits to total assets | 87.8666% | 1,718 |
| Equity capital to assets | 10.9342% | 2,956 |
| Core capital (leverage) ratio | 10.3915% | 3,091 |
| Tier 1 risk-based capital ratio | 27.3839% | 679 |
| Total risk-based capital ratio | 27.8346% | 722 |
| Memoranda: | ||
| Average total assets | $175,393,330 | 3,277 |
| Average earning assets | $158,706,670 | 3,314 |
| Average equity | $18,146,330 | 3,404 |
| Average total loans | $29,636,670 | 5,487 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5222% | 6,215 |
| Cost of funding earning assets | 0.0319% | 6,363 |
| Net interest margin | 2.4903% | 6,025 |
| Noninterest income to average assets | 0.9912% | 1,134 |
| Noninterest expense to average assets | 2.4402% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6134% | 4,226 |
| Return on assets (ROA) | 0.6134% | 4,314 |
| Pretax return on assets | 0.8045% | 4,219 |
| Return on Equity (ROE) | 6.0883% | 3,986 |
| Retained earnings to average equity (ytd only) | 6.0883% | 2,442 |
| Net charge-offs to loans | -0.0401% | 5,407 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2055% | 2,631 |
| Assets per employee ($millions) | 4.0628% | 3,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9920% | 5,078 |
| Loan loss allowance to noncurrent loans | 4,200.0000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 5,956 |
| Noncurrent loans to loans | 0.0236% | 5,711 |
| Net loans and leases to total assets | 16.0502% | 6,317 |
| Net loans and leases to deposits | 18.0832% | 6,323 |
| Net loans and leases to core deposits | 18.2640% | 6,323 |
| Total domestic deposits to total assets | 88.7576% | 1,414 |
| Equity capital to assets | 10.1851% | 3,898 |
| Core capital (leverage) ratio | 10.1422% | 3,413 |
| Tier 1 risk-based capital ratio | 26.6543% | 741 |
| Total risk-based capital ratio | 27.0973% | 784 |
| Memoranda: | ||
| Average total assets | $179,988,500 | 3,232 |
| Average earning assets | $162,873,500 | 3,282 |
| Average equity | $18,133,000 | 3,423 |
| Average total loans | $29,954,000 | 5,512 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7059% | 6,260 |
| Cost of funding earning assets | 0.0350% | 6,449 |
| Net interest margin | 2.6709% | 5,980 |
| Noninterest income to average assets | 1.1744% | 874 |
| Noninterest expense to average assets | 2.6447% | 4,071 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7286% | 3,746 |
| Return on assets (ROA) | 0.7276% | 3,860 |
| Pretax return on assets | 0.9486% | 3,698 |
| Return on Equity (ROE) | 7.3247% | 3,457 |
| Retained earnings to average equity (ytd only) | 5.9863% | 1,938 |
| Net charge-offs to loans | 0.0385% | 4,057 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 132.1667% | 406 |
| Efficiency ratio | 73.5755% | 2,911 |
| Assets per employee ($millions) | 4.4288% | 3,151 |
| Cash dividends to net income (ytd only)* | 18.2716% | 3,881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 5,234 |
| Loan loss allowance to noncurrent loans | 970.0000% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 5,981 |
| Noncurrent loans to loans | 0.0991% | 5,501 |
| Net loans and leases to total assets | 16.9229% | 6,402 |
| Net loans and leases to deposits | 19.0331% | 6,415 |
| Net loans and leases to core deposits | 19.2290% | 6,413 |
| Total domestic deposits to total assets | 88.9128% | 1,283 |
| Equity capital to assets | 9.9604% | 4,164 |
| Core capital (leverage) ratio | 10.2185% | 3,287 |
| Tier 1 risk-based capital ratio | 26.5637% | 716 |
| Total risk-based capital ratio | 27.0105% | 765 |
| Memoranda: | ||
| Average total assets | $166,977,000 | 3,378 |
| Average earning assets | $151,297,200 | 3,422 |
| Average equity | $16,587,800 | 3,592 |
| Average total loans | $31,178,000 | 5,522 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7567% | 6,305 |
| Cost of funding earning assets | 0.0350% | 6,533 |
| Net interest margin | 2.7217% | 5,977 |
| Noninterest income to average assets | 1.2000% | 834 |
| Noninterest expense to average assets | 2.7058% | 3,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7314% | 3,780 |
| Return on assets (ROA) | 0.7314% | 3,884 |
| Pretax return on assets | 0.9536% | 3,784 |
| Return on Equity (ROE) | 7.3675% | 3,513 |
| Retained earnings to average equity (ytd only) | 7.3675% | 1,640 |
| Net charge-offs to loans | 0.0637% | 3,295 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 78.3980% | 714 |
| Efficiency ratio | 73.9419% | 2,828 |
| Assets per employee ($millions) | 4.6780% | 2,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 5,508 |
| Loan loss allowance to noncurrent loans | 925.8065% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.0184% | 6,099 |
| Noncurrent loans to loans | 0.1003% | 5,638 |
| Net loans and leases to total assets | 18.1905% | 6,472 |
| Net loans and leases to deposits | 20.5359% | 6,486 |
| Net loans and leases to core deposits | 20.7241% | 6,484 |
| Total domestic deposits to total assets | 88.5789% | 1,461 |
| Equity capital to assets | 10.2407% | 3,872 |
| Core capital (leverage) ratio | 10.2842% | 3,309 |
| Tier 1 risk-based capital ratio | 26.2317% | 764 |
| Total risk-based capital ratio | 26.6695% | 828 |
| Memoranda: | ||
| Average total assets | $164,433,500 | 3,449 |
| Average earning assets | $148,577,250 | 3,499 |
| Average equity | $16,323,500 | 3,647 |
| Average total loans | $31,405,000 | 5,566 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7829% | 6,348 |
| Cost of funding earning assets | 0.0354% | 6,598 |
| Net interest margin | 2.7475% | 5,991 |
| Noninterest income to average assets | 1.2274% | 777 |
| Noninterest expense to average assets | 2.7589% | 3,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7247% | 3,705 |
| Return on assets (ROA) | 0.7247% | 3,798 |
| Pretax return on assets | 0.9405% | 3,722 |
| Return on Equity (ROE) | 7.3801% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.3801% | 1,574 |
| Net charge-offs to loans | 0.0190% | 3,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 255.6667% | 264 |
| Efficiency ratio | 74.5774% | 2,876 |
| Assets per employee ($millions) | 4.2706% | 3,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9950% | 5,376 |
| Loan loss allowance to noncurrent loans | 51.9931% | 5,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3464% | 4,998 |
| Noncurrent loans to loans | 1.9137% | 1,782 |
| Net loans and leases to total assets | 17.9227% | 6,541 |
| Net loans and leases to deposits | 20.1861% | 6,553 |
| Net loans and leases to core deposits | 20.3726% | 6,552 |
| Total domestic deposits to total assets | 88.7874% | 1,480 |
| Equity capital to assets | 10.1066% | 3,962 |
| Core capital (leverage) ratio | 10.5545% | 2,883 |
| Tier 1 risk-based capital ratio | 26.1716% | 752 |
| Total risk-based capital ratio | 26.6370% | 816 |
| Memoranda: | ||
| Average total assets | $163,109,000 | 3,491 |
| Average earning assets | $146,751,000 | 3,543 |
| Average equity | $16,016,000 | 3,691 |
| Average total loans | $31,566,330 | 5,601 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7613% | 6,422 |
| Cost of funding earning assets | 0.0356% | 6,674 |
| Net interest margin | 2.7257% | 6,071 |
| Noninterest income to average assets | 1.2145% | 749 |
| Noninterest expense to average assets | 2.8032% | 3,550 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6866% | 3,755 |
| Return on assets (ROA) | 0.6866% | 3,832 |
| Pretax return on assets | 0.8799% | 3,781 |
| Return on Equity (ROE) | 7.0992% | 3,414 |
| Retained earnings to average equity (ytd only) | 7.0992% | 1,985 |
| Net charge-offs to loans | 0.5205% | 712 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.4524% | 2,022 |
| Efficiency ratio | 76.1104% | 2,782 |
| Assets per employee ($millions) | 4.1225% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8099% | 6,077 |
| Loan loss allowance to noncurrent loans | 44.3878% | 5,418 |
| Noncurrent assets plus other real estate owned to assets | 0.3479% | 5,111 |
| Noncurrent loans to loans | 1.8247% | 2,108 |
| Net loans and leases to total assets | 18.9111% | 6,593 |
| Net loans and leases to deposits | 21.0926% | 6,608 |
| Net loans and leases to core deposits | 21.2766% | 6,606 |
| Total domestic deposits to total assets | 89.6576% | 1,274 |
| Equity capital to assets | 9.4455% | 4,569 |
| Core capital (leverage) ratio | 10.5536% | 2,865 |
| Tier 1 risk-based capital ratio | 24.8244% | 908 |
| Total risk-based capital ratio | 25.2161% | 984 |
| Memoranda: | ||
| Average total assets | $161,386,500 | 3,542 |
| Average earning assets | $146,162,000 | 3,586 |
| Average equity | $15,607,500 | 3,764 |
| Average total loans | $32,274,000 | 5,619 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9425% | 6,392 |
| Cost of funding earning assets | 0.0402% | 6,757 |
| Net interest margin | 2.9023% | 5,782 |
| Noninterest income to average assets | 1.4046% | 715 |
| Noninterest expense to average assets | 3.1563% | 2,562 |
| Loan and lease loss provision to assets | 0.0663% | 3,803 |
| Net operating income to assets | 0.6411% | 4,069 |
| Return on assets (ROA) | 0.6605% | 4,085 |
| Pretax return on assets | 0.7871% | 4,198 |
| Return on Equity (ROE) | 6.1562% | 3,994 |
| Retained earnings to average equity (ytd only) | 4.7793% | 2,747 |
| Net charge-offs to loans | -0.0220% | 6,157 |
| Credit loss provision to net charge-offs | -1,428.5714% | 6,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1757% | 2,289 |
| Assets per employee ($millions) | 3.6607% | 4,564 |
| Cash dividends to net income (ytd only)* | 22.3671% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 5,806 |
| Loan loss allowance to noncurrent loans | 50.1656% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 0.3928% | 5,076 |
| Noncurrent loans to loans | 1.8686% | 2,149 |
| Net loans and leases to total assets | 20.8259% | 6,658 |
| Net loans and leases to deposits | 23.4342% | 6,675 |
| Net loans and leases to core deposits | 23.6609% | 6,674 |
| Total domestic deposits to total assets | 88.8697% | 1,715 |
| Equity capital to assets | 9.9186% | 3,874 |
| Core capital (leverage) ratio | 10.6421% | 2,740 |
| Tier 1 risk-based capital ratio | 25.6832% | 798 |
| Total risk-based capital ratio | 26.1621% | 847 |
| Memoranda: | ||
| Average total assets | $150,936,000 | 3,687 |
| Average earning assets | $134,272,800 | 3,748 |
| Average equity | $16,195,000 | 3,673 |
| Average total loans | $31,782,600 | 5,677 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9668% | 6,450 |
| Cost of funding earning assets | 0.0400% | 6,839 |
| Net interest margin | 2.9268% | 5,753 |
| Noninterest income to average assets | 1.3623% | 783 |
| Noninterest expense to average assets | 3.1825% | 2,413 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6469% | 4,140 |
| Return on assets (ROA) | 0.6727% | 4,143 |
| Pretax return on assets | 0.8067% | 4,266 |
| Return on Equity (ROE) | 6.1507% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.1507% | 2,317 |
| Net charge-offs to loans | -0.0042% | 5,761 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4036% | 2,040 |
| Assets per employee ($millions) | 2.7988% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6205% | 6,535 |
| Loan loss allowance to noncurrent loans | 437.7778% | 991 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 6,386 |
| Noncurrent loans to loans | 0.1417% | 5,900 |
| Net loans and leases to total assets | 21.6799% | 6,721 |
| Net loans and leases to deposits | 24.6106% | 6,741 |
| Net loans and leases to core deposits | 24.8645% | 6,749 |
| Total domestic deposits to total assets | 88.0916% | 2,071 |
| Equity capital to assets | 10.7836% | 2,969 |
| Core capital (leverage) ratio | 11.1293% | 2,359 |
| Tier 1 risk-based capital ratio | 26.5008% | 744 |
| Total risk-based capital ratio | 26.8227% | 810 |
| Memoranda: | ||
| Average total assets | $150,232,250 | 3,735 |
| Average earning assets | $133,247,750 | 3,811 |
| Average equity | $16,431,250 | 3,681 |
| Average total loans | $31,647,500 | 5,740 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9303% | 6,509 |
| Cost of funding earning assets | 0.0403% | 6,890 |
| Net interest margin | 2.8900% | 5,813 |
| Noninterest income to average assets | 1.3782% | 823 |
| Noninterest expense to average assets | 3.1726% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6387% | 4,117 |
| Return on assets (ROA) | 0.6719% | 4,114 |
| Pretax return on assets | 0.7971% | 4,322 |
| Return on Equity (ROE) | 6.1162% | 4,103 |
| Retained earnings to average equity (ytd only) | 6.1162% | 2,366 |
| Net charge-offs to loans | -0.0380% | 6,160 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7241% | 2,056 |
| Assets per employee ($millions) | 3.3881% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6237% | 6,583 |
| Loan loss allowance to noncurrent loans | 103.5897% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.1338% | 6,083 |
| Noncurrent loans to loans | 0.6021% | 4,751 |
| Net loans and leases to total assets | 22.0917% | 6,761 |
| Net loans and leases to deposits | 25.1331% | 6,781 |
| Net loans and leases to core deposits | 25.3927% | 6,788 |
| Total domestic deposits to total assets | 87.8988% | 2,318 |
| Equity capital to assets | 11.0387% | 2,714 |
| Core capital (leverage) ratio | 10.8337% | 2,521 |
| Tier 1 risk-based capital ratio | 25.9173% | 783 |
| Total risk-based capital ratio | 26.2454% | 859 |
| Memoranda: | ||
| Average total assets | $151,797,670 | 3,736 |
| Average earning assets | $134,046,670 | 3,819 |
| Average equity | $16,677,000 | 3,668 |
| Average total loans | $31,613,670 | 5,773 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9047% | 6,607 |
| Cost of funding earning assets | 0.0412% | 6,970 |
| Net interest margin | 2.8635% | 5,880 |
| Noninterest income to average assets | 1.3923% | 794 |
| Noninterest expense to average assets | 3.1772% | 2,428 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6251% | 4,100 |
| Return on assets (ROA) | 0.6251% | 4,256 |
| Pretax return on assets | 0.7259% | 4,463 |
| Return on Equity (ROE) | 5.7027% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.7027% | 2,840 |
| Net charge-offs to loans | -0.0384% | 6,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4030% | 2,131 |
| Assets per employee ($millions) | 3.5129% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6398% | 6,661 |
| Loan loss allowance to noncurrent loans | 1,326.6667% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.8395% | 4,285 |
| Noncurrent loans to loans | 0.0482% | 6,339 |
| Net loans and leases to total assets | 19.5504% | 6,862 |
| Net loans and leases to deposits | 22.1406% | 6,884 |
| Net loans and leases to core deposits | 22.3438% | 6,887 |
| Total domestic deposits to total assets | 88.3008% | 2,127 |
| Equity capital to assets | 10.8092% | 3,191 |
| Core capital (leverage) ratio | 10.5934% | 2,659 |
| Tier 1 risk-based capital ratio | 24.6415% | 936 |
| Total risk-based capital ratio | 24.9544% | 1,043 |
| Memoranda: | ||
| Average total assets | $154,852,500 | 3,727 |
| Average earning assets | $135,779,000 | 3,833 |
| Average equity | $16,974,500 | 3,679 |
| Average total loans | $31,227,000 | 5,835 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4066% | 6,477 |
| Cost of funding earning assets | 0.0509% | 7,034 |
| Net interest margin | 3.3557% | 5,049 |
| Noninterest income to average assets | 1.5799% | 632 |
| Noninterest expense to average assets | 3.6994% | 1,413 |
| Loan and lease loss provision to assets | 0.1595% | 3,621 |
| Net operating income to assets | 0.6495% | 3,990 |
| Return on assets (ROA) | 0.6495% | 4,254 |
| Pretax return on assets | 0.6820% | 4,724 |
| Return on Equity (ROE) | 5.0375% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.6986% | 3,611 |
| Net charge-offs to loans | 1.4030% | 650 |
| Credit loss provision to net charge-offs | 48.8152% | 4,727 |
| Earnings coverage of net charge-offs (x) | 2.5758% | 4,129 |
| Efficiency ratio | 81.4695% | 1,950 |
| Assets per employee ($millions) | 3.8878% | 4,178 |
| Cash dividends to net income (ytd only)* | 26.5793% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6252% | 6,725 |
| Loan loss allowance to noncurrent loans | 1,088.8889% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.8772% | 4,294 |
| Noncurrent loans to loans | 0.0574% | 6,345 |
| Net loans and leases to total assets | 20.5466% | 6,919 |
| Net loans and leases to deposits | 23.3691% | 6,938 |
| Net loans and leases to core deposits | 23.5311% | 6,939 |
| Total domestic deposits to total assets | 87.9223% | 2,286 |
| Equity capital to assets | 11.1208% | 2,810 |
| Core capital (leverage) ratio | 11.2749% | 2,032 |
| Tier 1 risk-based capital ratio | 24.5865% | 901 |
| Total risk-based capital ratio | 24.8991% | 995 |
| Memoranda: | ||
| Average total assets | $129,182,200 | 4,160 |
| Average earning assets | $113,984,800 | 4,249 |
| Average equity | $16,655,000 | 3,679 |
| Average total loans | $30,078,200 | 5,943 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4936% | 6,517 |
| Cost of funding earning assets | 0.0537% | 7,142 |
| Net interest margin | 3.4399% | 4,879 |
| Noninterest income to average assets | 1.6120% | 573 |
| Noninterest expense to average assets | 3.8886% | 1,075 |
| Loan and lease loss provision to assets | 0.1565% | 3,566 |
| Net operating income to assets | 0.6096% | 4,348 |
| Return on assets (ROA) | 0.6096% | 4,603 |
| Pretax return on assets | 0.6107% | 5,131 |
| Return on Equity (ROE) | 4.5371% | 5,028 |
| Retained earnings to average equity (ytd only) | 4.5371% | 3,704 |
| Net charge-offs to loans | 1.6218% | 516 |
| Credit loss provision to net charge-offs | 40.0552% | 4,618 |
| Earnings coverage of net charge-offs (x) | 1.9641% | 4,282 |
| Efficiency ratio | 83.5226% | 1,640 |
| Assets per employee ($millions) | 3.2182% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6458% | 6,813 |
| Loan loss allowance to noncurrent loans | 137.3239% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.1020% | 4,093 |
| Noncurrent loans to loans | 0.4703% | 5,512 |
| Net loans and leases to total assets | 22.7349% | 6,993 |
| Net loans and leases to deposits | 26.4188% | 7,005 |
| Net loans and leases to core deposits | 26.6339% | 7,010 |
| Total domestic deposits to total assets | 86.0558% | 3,222 |
| Equity capital to assets | 12.8476% | 1,680 |
| Core capital (leverage) ratio | 11.8100% | 1,766 |
| Tier 1 risk-based capital ratio | 26.7133% | 759 |
| Total risk-based capital ratio | 27.0527% | 830 |
| Memoranda: | ||
| Average total assets | $123,571,250 | 4,319 |
| Average earning assets | $109,340,500 | 4,409 |
| Average equity | $16,603,250 | 3,719 |
| Average total loans | $29,760,250 | 6,035 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5384% | 6,560 |
| Cost of funding earning assets | 0.0544% | 7,206 |
| Net interest margin | 3.4840% | 4,745 |
| Noninterest income to average assets | 1.6509% | 544 |
| Noninterest expense to average assets | 4.0090% | 930 |
| Loan and lease loss provision to assets | 0.1242% | 3,969 |
| Net operating income to assets | 0.6061% | 4,343 |
| Return on assets (ROA) | 0.6061% | 4,596 |
| Pretax return on assets | 0.5912% | 5,172 |
| Return on Equity (ROE) | 4.4399% | 5,065 |
| Retained earnings to average equity (ytd only) | 4.4399% | 3,646 |
| Net charge-offs to loans | 2.0732% | 389 |
| Credit loss provision to net charge-offs | 24.4300% | 4,540 |
| Earnings coverage of net charge-offs (x) | 1.4072% | 4,301 |
| Efficiency ratio | 84.8580% | 1,549 |
| Assets per employee ($millions) | 3.0377% | 5,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5936% | 6,943 |
| Loan loss allowance to noncurrent loans | 81.4480% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.2309% | 3,952 |
| Noncurrent loans to loans | 0.7288% | 5,046 |
| Net loans and leases to total assets | 24.2017% | 7,029 |
| Net loans and leases to deposits | 28.3202% | 7,037 |
| Net loans and leases to core deposits | 28.6358% | 7,046 |
| Total domestic deposits to total assets | 85.4575% | 3,634 |
| Equity capital to assets | 13.4666% | 1,318 |
| Core capital (leverage) ratio | 12.4212% | 1,388 |
| Tier 1 risk-based capital ratio | 26.8682% | 732 |
| Total risk-based capital ratio | 27.1877% | 794 |
| Memoranda: | ||
| Average total assets | $120,779,330 | 4,406 |
| Average earning assets | $106,544,330 | 4,497 |
| Average equity | $16,487,000 | 3,732 |
| Average total loans | $29,616,000 | 6,082 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5939% | 6,583 |
| Cost of funding earning assets | 0.0573% | 7,269 |
| Net interest margin | 3.5366% | 4,539 |
| Noninterest income to average assets | 1.6249% | 554 |
| Noninterest expense to average assets | 4.0977% | 832 |
| Loan and lease loss provision to assets | 0.1682% | 3,289 |
| Net operating income to assets | 0.5215% | 4,729 |
| Return on assets (ROA) | 0.5215% | 4,938 |
| Pretax return on assets | 0.4744% | 5,507 |
| Return on Equity (ROE) | 3.7933% | 5,382 |
| Retained earnings to average equity (ytd only) | 3.7933% | 4,308 |
| Net charge-offs to loans | -0.1777% | 6,963 |
| Credit loss provision to net charge-offs | -384.6154% | 5,732 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4443% | 1,435 |
| Assets per employee ($millions) | 3.0218% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6590% | 3,504 |
| Loan loss allowance to noncurrent loans | 100.0000% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 1.4424% | 3,703 |
| Noncurrent loans to loans | 1.6590% | 3,611 |
| Net loans and leases to total assets | 22.7271% | 7,104 |
| Net loans and leases to deposits | 26.4306% | 7,118 |
| Net loans and leases to core deposits | 26.7157% | 7,122 |
| Total domestic deposits to total assets | 85.9878% | 3,531 |
| Equity capital to assets | 13.1542% | 1,375 |
| Core capital (leverage) ratio | 12.8205% | 1,197 |
| Tier 1 risk-based capital ratio | 26.7400% | 750 |
| Total risk-based capital ratio | 27.5918% | 764 |
| Memoranda: | ||
| Average total assets | $118,896,500 | 4,473 |
| Average earning assets | $104,732,000 | 4,584 |
| Average equity | $16,344,500 | 3,759 |
| Average total loans | $29,263,000 | 6,150 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9765% | 6,497 |
| Cost of funding earning assets | 0.1335% | 7,285 |
| Net interest margin | 3.8430% | 3,612 |
| Noninterest income to average assets | 1.8604% | 422 |
| Noninterest expense to average assets | 4.4854% | 595 |
| Loan and lease loss provision to assets | 0.1942% | 4,239 |
| Net operating income to assets | 0.6065% | 3,970 |
| Return on assets (ROA) | 0.6065% | 4,153 |
| Pretax return on assets | 0.5246% | 4,920 |
| Return on Equity (ROE) | 3.9452% | 4,874 |
| Retained earnings to average equity (ytd only) | 2.5640% | 4,403 |
| Net charge-offs to loans | 0.0629% | 5,670 |
| Credit loss provision to net charge-offs | 1,133.3333% | 189 |
| Earnings coverage of net charge-offs (x) | 41.9444% | 645 |
| Efficiency ratio | 86.1873% | 1,540 |
| Assets per employee ($millions) | 2.8475% | 6,385 |
| Cash dividends to net income (ytd only)* | 35.0078% | 2,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3782% | 4,566 |
| Loan loss allowance to noncurrent loans | 72.9204% | 3,938 |
| Noncurrent assets plus other real estate owned to assets | 1.6479% | 3,480 |
| Noncurrent loans to loans | 1.8900% | 3,356 |
| Net loans and leases to total assets | 25.8839% | 7,121 |
| Net loans and leases to deposits | 30.6932% | 7,120 |
| Net loans and leases to core deposits | 31.0605% | 7,131 |
| Total domestic deposits to total assets | 84.3311% | 4,170 |
| Equity capital to assets | 14.3914% | 934 |
| Core capital (leverage) ratio | 13.6440% | 911 |
| Tier 1 risk-based capital ratio | 27.4312% | 670 |
| Total risk-based capital ratio | 28.1979% | 685 |
| Memoranda: | ||
| Average total assets | $105,029,600 | 4,754 |
| Average earning assets | $91,388,000 | 4,875 |
| Average equity | $16,146,400 | 3,700 |
| Average total loans | $28,630,600 | 6,216 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0683% | 6,476 |
| Cost of funding earning assets | 0.1522% | 7,360 |
| Net interest margin | 3.9161% | 3,301 |
| Noninterest income to average assets | 1.8674% | 423 |
| Noninterest expense to average assets | 4.5895% | 530 |
| Loan and lease loss provision to assets | -0.0078% | 7,297 |
| Net operating income to assets | 0.7159% | 3,526 |
| Return on assets (ROA) | 0.7159% | 3,701 |
| Pretax return on assets | 0.6886% | 4,520 |
| Return on Equity (ROE) | 4.5756% | 4,734 |
| Retained earnings to average equity (ytd only) | 4.5756% | 3,460 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0817% | 1,426 |
| Assets per employee ($millions) | 2.5938% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7941% | 6,829 |
| Loan loss allowance to noncurrent loans | 72.8477% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.5177% | 3,827 |
| Noncurrent loans to loans | 1.0901% | 4,732 |
| Net loans and leases to total assets | 25.8428% | 7,194 |
| Net loans and leases to deposits | 31.1440% | 7,192 |
| Net loans and leases to core deposits | 31.5494% | 7,207 |
| Total domestic deposits to total assets | 82.9784% | 4,693 |
| Equity capital to assets | 15.6478% | 695 |
| Core capital (leverage) ratio | 14.3830% | 798 |
| Tier 1 risk-based capital ratio | 30.2731% | 523 |
| Total risk-based capital ratio | 30.7211% | 558 |
| Memoranda: | ||
| Average total assets | $102,811,750 | 4,847 |
| Average earning assets | $89,339,500 | 4,972 |
| Average equity | $16,085,000 | 3,723 |
| Average total loans | $28,314,750 | 6,289 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0452% | 6,584 |
| Cost of funding earning assets | 0.1607% | 7,435 |
| Net interest margin | 3.8845% | 3,384 |
| Noninterest income to average assets | 1.9324% | 382 |
| Noninterest expense to average assets | 4.6619% | 505 |
| Loan and lease loss provision to assets | -0.0118% | 7,370 |
| Net operating income to assets | 0.7045% | 3,526 |
| Return on assets (ROA) | 0.7045% | 3,632 |
| Pretax return on assets | 0.6592% | 4,537 |
| Return on Equity (ROE) | 4.5032% | 4,698 |
| Retained earnings to average equity (ytd only) | 4.5032% | 3,329 |
| Net charge-offs to loans | 0.0421% | 5,268 |
| Credit loss provision to net charge-offs | -100.0000% | 6,306 |
| Earnings coverage of net charge-offs (x) | 54.8333% | 577 |
| Efficiency ratio | 87.8058% | 1,432 |
| Assets per employee ($millions) | 2.3970% | 7,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7743% | 6,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.2729% | 4,355 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 26.6059% | 7,272 |
| Net loans and leases to deposits | 31.9944% | 7,271 |
| Net loans and leases to core deposits | 32.4229% | 7,292 |
| Total domestic deposits to total assets | 83.1582% | 4,695 |
| Equity capital to assets | 15.6775% | 661 |
| Core capital (leverage) ratio | 14.5470% | 755 |
| Tier 1 risk-based capital ratio | 29.5198% | 562 |
| Total risk-based capital ratio | 29.9509% | 601 |
| Memoranda: | ||
| Average total assets | $101,633,330 | 4,911 |
| Average earning assets | $88,351,000 | 5,046 |
| Average equity | $15,899,670 | 3,749 |
| Average total loans | $28,518,670 | 6,342 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0826% | 6,537 |
| Cost of funding earning assets | 0.1724% | 7,495 |
| Net interest margin | 3.9102% | 3,091 |
| Noninterest income to average assets | 1.8749% | 401 |
| Noninterest expense to average assets | 4.7050% | 480 |
| Loan and lease loss provision to assets | -0.0119% | 7,446 |
| Net operating income to assets | 0.6699% | 3,659 |
| Return on assets (ROA) | 0.6699% | 3,730 |
| Pretax return on assets | 0.5985% | 4,690 |
| Return on Equity (ROE) | 4.2866% | 4,752 |
| Retained earnings to average equity (ytd only) | 4.2866% | 3,596 |
| Net charge-offs to loans | -0.0829% | 7,031 |
| Credit loss provision to net charge-offs | 50.0000% | 3,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9139% | 1,425 |
| Assets per employee ($millions) | 2.4389% | 7,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7973% | 6,926 |
| Loan loss allowance to noncurrent loans | 17.7332% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 1.2367% | 4,480 |
| Noncurrent loans to loans | 4.4963% | 1,555 |
| Net loans and leases to total assets | 27.2863% | 7,316 |
| Net loans and leases to deposits | 32.5474% | 7,306 |
| Net loans and leases to core deposits | 32.9598% | 7,330 |
| Total domestic deposits to total assets | 83.8357% | 4,551 |
| Equity capital to assets | 15.1040% | 742 |
| Core capital (leverage) ratio | 14.8663% | 685 |
| Tier 1 risk-based capital ratio | 29.5427% | 541 |
| Total risk-based capital ratio | 30.0129% | 578 |
| Memoranda: | ||
| Average total assets | $100,914,500 | 4,983 |
| Average earning assets | $88,179,500 | 5,087 |
| Average equity | $15,770,000 | 3,757 |
| Average total loans | $28,959,500 | 6,374 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 6,124 |
| Cost of funding earning assets | 0.2857% | 7,517 |
| Net interest margin | 4.3107% | 1,784 |
| Noninterest income to average assets | 3.0000% | 233 |
| Noninterest expense to average assets | 5.1665% | 375 |
| Loan and lease loss provision to assets | 0.1071% | 6,077 |
| Net operating income to assets | 1.2332% | 1,335 |
| Return on assets (ROA) | 1.2332% | 1,408 |
| Pretax return on assets | 1.4122% | 1,628 |
| Return on Equity (ROE) | 7.3774% | 2,938 |
| Retained earnings to average equity (ytd only) | 4.9738% | 2,421 |
| Net charge-offs to loans | 0.8295% | 2,560 |
| Credit loss provision to net charge-offs | 40.9836% | 6,373 |
| Earnings coverage of net charge-offs (x) | 5.8115% | 2,532 |
| Efficiency ratio | 76.7147% | 2,928 |
| Assets per employee ($millions) | 2.3648% | 7,160 |
| Cash dividends to net income (ytd only)* | 32.5804% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7808% | 7,014 |
| Loan loss allowance to noncurrent loans | 22,700.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 7,279 |
| Noncurrent loans to loans | 0.0034% | 7,163 |
| Net loans and leases to total assets | 29.7516% | 7,363 |
| Net loans and leases to deposits | 36.2205% | 7,341 |
| Net loans and leases to core deposits | 36.7273% | 7,377 |
| Total domestic deposits to total assets | 82.1404% | 5,144 |
| Equity capital to assets | 16.1929% | 553 |
| Core capital (leverage) ratio | 15.3056% | 617 |
| Tier 1 risk-based capital ratio | 29.7868% | 517 |
| Total risk-based capital ratio | 30.2608% | 533 |
| Memoranda: | ||
| Average total assets | $93,331,800 | 5,182 |
| Average earning assets | $79,802,200 | 5,355 |
| Average equity | $15,601,800 | 3,840 |
| Average total loans | $29,416,600 | 6,427 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6769% | 6,101 |
| Cost of funding earning assets | 0.3051% | 7,635 |
| Net interest margin | 4.3718% | 1,609 |
| Noninterest income to average assets | 3.3439% | 195 |
| Noninterest expense to average assets | 5.1918% | 323 |
| Loan and lease loss provision to assets | 0.0303% | 6,766 |
| Net operating income to assets | 1.5147% | 896 |
| Return on assets (ROA) | 1.5147% | 975 |
| Pretax return on assets | 1.8422% | 857 |
| Return on Equity (ROE) | 8.9873% | 2,495 |
| Retained earnings to average equity (ytd only) | 8.3196% | 1,307 |
| Net charge-offs to loans | 1.0937% | 1,860 |
| Credit loss provision to net charge-offs | 8.6777% | 6,343 |
| Earnings coverage of net charge-offs (x) | 5.3636% | 2,763 |
| Efficiency ratio | 72.7793% | 3,560 |
| Assets per employee ($millions) | 2.1758% | 7,405 |
| Cash dividends to net income (ytd only)* | 7.4287% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5291% | 7,426 |
| Loan loss allowance to noncurrent loans | 91.9753% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.1731% | 6,926 |
| Noncurrent loans to loans | 0.5753% | 6,058 |
| Net loans and leases to total assets | 29.9388% | 7,469 |
| Net loans and leases to deposits | 37.1489% | 7,445 |
| Net loans and leases to core deposits | 37.9522% | 7,459 |
| Total domestic deposits to total assets | 80.5913% | 5,518 |
| Equity capital to assets | 17.4539% | 471 |
| Core capital (leverage) ratio | 15.6975% | 607 |
| Tier 1 risk-based capital ratio | 30.8916% | 480 |
| Total risk-based capital ratio | 31.2102% | 504 |
| Memoranda: | ||
| Average total assets | $92,425,750 | 5,274 |
| Average earning assets | $78,653,500 | 5,457 |
| Average equity | $15,577,250 | 3,883 |
| Average total loans | $29,502,500 | 6,508 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 5,922 |
| Cost of funding earning assets | 0.3317% | 7,695 |
| Net interest margin | 4.4297% | 1,369 |
| Noninterest income to average assets | 3.4960% | 190 |
| Noninterest expense to average assets | 5.2625% | 313 |
| Loan and lease loss provision to assets | 0.0304% | 6,637 |
| Net operating income to assets | 1.5774% | 767 |
| Return on assets (ROA) | 1.5774% | 820 |
| Pretax return on assets | 1.9468% | 673 |
| Return on Equity (ROE) | 9.4739% | 2,282 |
| Retained earnings to average equity (ytd only) | 8.4560% | 1,281 |
| Net charge-offs to loans | 0.9750% | 1,900 |
| Credit loss provision to net charge-offs | 9.5890% | 5,943 |
| Earnings coverage of net charge-offs (x) | 6.2329% | 2,502 |
| Efficiency ratio | 71.6387% | 3,870 |
| Assets per employee ($millions) | 1.9697% | 7,591 |
| Cash dividends to net income (ytd only)* | 10.7438% | 3,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8653% | 6,868 |
| Loan loss allowance to noncurrent loans | 255.9140% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.0984% | 7,149 |
| Noncurrent loans to loans | 0.3381% | 6,553 |
| Net loans and leases to total assets | 28.8386% | 7,563 |
| Net loans and leases to deposits | 35.2739% | 7,547 |
| Net loans and leases to core deposits | 36.2575% | 7,565 |
| Total domestic deposits to total assets | 81.7562% | 5,087 |
| Equity capital to assets | 16.5791% | 588 |
| Core capital (leverage) ratio | 16.3964% | 516 |
| Tier 1 risk-based capital ratio | 30.0705% | 505 |
| Total risk-based capital ratio | 30.5776% | 532 |
| Memoranda: | ||
| Average total assets | $92,047,330 | 5,315 |
| Average earning assets | $77,792,330 | 5,518 |
| Average equity | $15,326,330 | 3,930 |
| Average total loans | $29,950,000 | 6,528 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9674% | 5,166 |
| Cost of funding earning assets | 0.3829% | 7,782 |
| Net interest margin | 4.5845% | 982 |
| Noninterest income to average assets | 2.4758% | 259 |
| Noninterest expense to average assets | 5.4231% | 282 |
| Loan and lease loss provision to assets | 0.0308% | 6,370 |
| Net operating income to assets | 0.8591% | 2,712 |
| Return on assets (ROA) | 0.8591% | 2,804 |
| Pretax return on assets | 0.8723% | 3,571 |
| Return on Equity (ROE) | 5.1478% | 4,283 |
| Retained earnings to average equity (ytd only) | 3.0887% | 4,285 |
| Net charge-offs to loans | 0.0642% | 4,766 |
| Credit loss provision to net charge-offs | 140.0000% | 2,527 |
| Earnings coverage of net charge-offs (x) | 41.0000% | 672 |
| Efficiency ratio | 83.2869% | 2,102 |
| Assets per employee ($millions) | 2.0488% | 7,641 |
| Cash dividends to net income (ytd only)* | 40.0000% | 1,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2651% | 5,123 |
| Loan loss allowance to noncurrent loans | 981.5789% | 345 |
| Noncurrent assets plus other real estate owned to assets | 0.6009% | 6,011 |
| Noncurrent loans to loans | 0.1289% | 7,082 |
| Net loans and leases to total assets | 31.5769% | 7,579 |
| Net loans and leases to deposits | 38.5554% | 7,562 |
| Net loans and leases to core deposits | 39.1033% | 7,599 |
| Total domestic deposits to total assets | 81.9001% | 5,116 |
| Equity capital to assets | 16.4772% | 608 |
| Core capital (leverage) ratio | 15.7804% | 617 |
| Tier 1 risk-based capital ratio | 28.3834% | 612 |
| Total risk-based capital ratio | 29.1639% | 631 |
| Memoranda: | ||
| Average total assets | $90,797,500 | 5,425 |
| Average earning assets | $76,256,500 | 5,629 |
| Average equity | $15,152,000 | 3,988 |
| Average total loans | $31,173,000 | 6,563 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0862% | 6,142 |
| Cost of funding earning assets | 0.5040% | 7,828 |
| Net interest margin | 4.5823% | 1,016 |
| Noninterest income to average assets | 2.8124% | 240 |
| Noninterest expense to average assets | 5.5537% | 382 |
| Loan and lease loss provision to assets | 0.0326% | 7,205 |
| Net operating income to assets | 0.9825% | 1,902 |
| Return on assets (ROA) | 0.9825% | 1,954 |
| Pretax return on assets | 1.0198% | 2,525 |
| Return on Equity (ROE) | 5.4039% | 3,467 |
| Retained earnings to average equity (ytd only) | -10.8655% | 6,587 |
| Net charge-offs to loans | -0.0481% | 7,842 |
| Credit loss provision to net charge-offs | -200.0000% | 7,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6161% | 2,655 |
| Assets per employee ($millions) | 2.0318% | 7,710 |
| Cash dividends to net income (ytd only)* | 301.0676% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,771 |
| Loan loss allowance to noncurrent loans | 29.6712% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 2.2159% | 3,107 |
| Noncurrent loans to loans | 3.7948% | 1,971 |
| Net loans and leases to total assets | 36.3430% | 7,506 |
| Net loans and leases to deposits | 44.7602% | 7,485 |
| Net loans and leases to core deposits | 49.0327% | 7,608 |
| Total domestic deposits to total assets | 81.1948% | 5,268 |
| Equity capital to assets | 16.9047% | 564 |
| Core capital (leverage) ratio | 15.7545% | 652 |
| Tier 1 risk-based capital ratio | 27.4102% | 677 |
| Total risk-based capital ratio | 28.1672% | 693 |
| Memoranda: | ||
| Average total assets | $85,799,000 | 5,534 |
| Average earning assets | $71,034,800 | 5,780 |
| Average equity | $15,599,800 | 3,945 |
| Average total loans | $29,087,600 | 6,681 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0676% | 6,388 |
| Cost of funding earning assets | 0.5202% | 7,929 |
| Net interest margin | 4.5473% | 1,078 |
| Noninterest income to average assets | 2.8064% | 233 |
| Noninterest expense to average assets | 5.5202% | 373 |
| Loan and lease loss provision to assets | 0.0267% | 7,087 |
| Net operating income to assets | 0.9815% | 2,123 |
| Return on assets (ROA) | 0.9815% | 2,183 |
| Pretax return on assets | 1.0208% | 2,839 |
| Return on Equity (ROE) | 5.3004% | 3,838 |
| Retained earnings to average equity (ytd only) | -13.1367% | 7,015 |
| Net charge-offs to loans | -0.1279% | 7,940 |
| Credit loss provision to net charge-offs | -62.9630% | 7,194 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5638% | 2,640 |
| Assets per employee ($millions) | 1.9361% | 7,840 |
| Cash dividends to net income (ytd only)* | 347.8405% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 5,026 |
| Loan loss allowance to noncurrent loans | 2,325.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.8609% | 5,363 |
| Noncurrent loans to loans | 0.0523% | 7,374 |
| Net loans and leases to total assets | 34.6923% | 7,667 |
| Net loans and leases to deposits | 42.8748% | 7,651 |
| Net loans and leases to core deposits | 46.6169% | 7,759 |
| Total domestic deposits to total assets | 80.9155% | 5,112 |
| Equity capital to assets | 17.3800% | 577 |
| Core capital (leverage) ratio | 15.8719% | 696 |
| Tier 1 risk-based capital ratio | 28.3586% | 665 |
| Total risk-based capital ratio | 29.1404% | 678 |
| Memoranda: | ||
| Average total assets | $84,898,500 | 5,591 |
| Average earning assets | $70,222,500 | 5,834 |
| Average equity | $15,721,500 | 3,964 |
| Average total loans | $28,144,250 | 6,786 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 6,666 |
| Cost of funding earning assets | 0.5344% | 8,029 |
| Net interest margin | 4.4995% | 1,169 |
| Noninterest income to average assets | 2.8257% | 230 |
| Noninterest expense to average assets | 5.5658% | 370 |
| Loan and lease loss provision to assets | 0.0166% | 7,060 |
| Net operating income to assets | 0.9435% | 2,299 |
| Return on assets (ROA) | 0.9435% | 2,395 |
| Pretax return on assets | 0.9649% | 3,129 |
| Return on Equity (ROE) | 4.9891% | 4,081 |
| Retained earnings to average equity (ytd only) | -22.3316% | 7,524 |
| Net charge-offs to loans | -0.3586% | 8,086 |
| Credit loss provision to net charge-offs | -14.2857% | 6,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4682% | 2,668 |
| Assets per employee ($millions) | 1.9856% | 7,863 |
| Cash dividends to net income (ytd only)* | 547.6071% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3201% | 4,158 |
| Loan loss allowance to noncurrent loans | 800.0000% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.9159% | 5,144 |
| Noncurrent loans to loans | 0.1650% | 7,115 |
| Net loans and leases to total assets | 33.6195% | 7,788 |
| Net loans and leases to deposits | 41.4746% | 7,773 |
| Net loans and leases to core deposits | 44.1079% | 7,871 |
| Total domestic deposits to total assets | 81.0604% | 5,064 |
| Equity capital to assets | 17.3116% | 624 |
| Core capital (leverage) ratio | 15.9428% | 751 |
| Tier 1 risk-based capital ratio | 25.3137% | 912 |
| Total risk-based capital ratio | 26.0492% | 945 |
| Memoranda: | ||
| Average total assets | $84,157,000 | 5,646 |
| Average earning assets | $69,608,000 | 5,899 |
| Average equity | $15,914,670 | 3,940 |
| Average total loans | $27,326,670 | 6,891 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 6,898 |
| Cost of funding earning assets | 0.5466% | 8,078 |
| Net interest margin | 4.4657% | 1,200 |
| Noninterest income to average assets | 2.8727% | 221 |
| Noninterest expense to average assets | 5.4677% | 367 |
| Loan and lease loss provision to assets | -0.0096% | 8,175 |
| Net operating income to assets | 1.0150% | 2,248 |
| Return on assets (ROA) | 1.0150% | 2,392 |
| Pretax return on assets | 1.0916% | 3,018 |
| Return on Equity (ROE) | 5.1452% | 4,411 |
| Retained earnings to average equity (ytd only) | 5.1452% | 3,043 |
| Net charge-offs to loans | -0.9075% | 8,152 |
| Credit loss provision to net charge-offs | 3.3333% | 5,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9211% | 2,684 |
| Assets per employee ($millions) | 1.8815% | 7,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4843% | 3,069 |
| Loan loss allowance to noncurrent loans | 643.3333% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 4,898 |
| Noncurrent loans to loans | 0.2307% | 6,872 |
| Net loans and leases to total assets | 29.6017% | 7,922 |
| Net loans and leases to deposits | 37.3415% | 7,913 |
| Net loans and leases to core deposits | 39.6650% | 7,985 |
| Total domestic deposits to total assets | 79.2730% | 5,614 |
| Equity capital to assets | 19.2989% | 457 |
| Core capital (leverage) ratio | 18.8431% | 465 |
| Tier 1 risk-based capital ratio | 34.7827% | 444 |
| Total risk-based capital ratio | 35.6689% | 444 |
| Memoranda: | ||
| Average total assets | $83,544,500 | 5,685 |
| Average earning assets | $68,791,500 | 5,955 |
| Average equity | $16,481,500 | 3,846 |
| Average total loans | $26,445,500 | 6,981 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6970% | 6,790 |
| Cost of funding earning assets | 0.7507% | 8,129 |
| Net interest margin | 4.9463% | 574 |
| Noninterest income to average assets | 3.1973% | 185 |
| Noninterest expense to average assets | 5.8176% | 436 |
| Loan and lease loss provision to assets | -0.4553% | 8,294 |
| Net operating income to assets | 1.5248% | 972 |
| Return on assets (ROA) | 1.5248% | 939 |
| Pretax return on assets | 1.8896% | 783 |
| Return on Equity (ROE) | 7.7950% | 3,152 |
| Retained earnings to average equity (ytd only) | 5.6512% | 1,691 |
| Net charge-offs to loans | -0.6354% | 8,223 |
| Credit loss provision to net charge-offs | 217.1598% | 2,213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8443% | 2,940 |
| Assets per employee ($millions) | 1.8305% | 8,025 |
| Cash dividends to net income (ytd only)* | 27.5020% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2237% | 4,352 |
| Loan loss allowance to noncurrent loans | 342.7083% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 1.0305% | 4,244 |
| Noncurrent loans to loans | 0.3571% | 6,299 |
| Net loans and leases to total assets | 32.9724% | 7,917 |
| Net loans and leases to deposits | 42.3595% | 7,889 |
| Net loans and leases to core deposits | 45.3809% | 7,975 |
| Total domestic deposits to total assets | 77.8396% | 5,764 |
| Equity capital to assets | 20.1887% | 457 |
| Core capital (leverage) ratio | 19.1836% | 497 |
| Tier 1 risk-based capital ratio | 34.3405% | 469 |
| Total risk-based capital ratio | 35.0993% | 475 |
| Memoranda: | ||
| Average total assets | $80,600,400 | 5,680 |
| Average earning assets | $66,070,200 | 5,963 |
| Average equity | $15,766,600 | 3,979 |
| Average total loans | $26,597,200 | 6,927 |