Home > Kentucky Home Bank > Performance and Condition Ratios
Kentucky Home Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2320% | 2,340 |
| Cost of funding earning assets | 0.3312% | 4,078 |
| Net interest margin | 3.9008% | 1,893 |
| Noninterest income to average assets | 0.8315% | 1,596 |
| Noninterest expense to average assets | 3.1044% | 2,253 |
| Loan and lease loss provision to assets | -0.6754% | 6,368 |
| Net operating income to assets | 0.2433% | 5,580 |
| Return on assets (ROA) | 0.2433% | 5,671 |
| Pretax return on assets | 2.0805% | 505 |
| Return on Equity (ROE) | 1.6708% | 5,763 |
| Retained earnings to average equity (ytd only) | -4.5385% | 5,900 |
| Net charge-offs to loans | -1.3485% | 6,341 |
| Credit loss provision to net charge-offs | 74.1036% | 1,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8406% | 3,691 |
| Assets per employee ($millions) | 3.6657% | 4,583 |
| Cash dividends to net income (ytd only)* | 371.6418% | 63 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1456% | 4,285 |
| Loan loss allowance to noncurrent loans | 130.0310% | 3,081 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 3,531 |
| Noncurrent loans to loans | 0.8810% | 3,043 |
| Net loans and leases to total assets | 65.9134% | 2,791 |
| Net loans and leases to deposits | 82.9443% | 2,214 |
| Net loans and leases to core deposits | 86.4151% | 2,505 |
| Total domestic deposits to total assets | 79.4671% | 5,181 |
| Equity capital to assets | 14.5458% | 821 |
| Core capital (leverage) ratio | 14.3611% | 725 |
| Tier 1 risk-based capital ratio | 17.9376% | 2,155 |
| Total risk-based capital ratio | 18.8795% | 2,222 |
| Memoranda: | ||
| Average total assets | $110,164,500 | 4,365 |
| Average earning assets | $103,875,000 | 4,306 |
| Average equity | $16,040,500 | 3,739 |
| Average total loans | $74,451,500 | 4,067 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3976% | 2,232 |
| Cost of funding earning assets | 0.3830% | 3,872 |
| Net interest margin | 4.0145% | 1,859 |
| Noninterest income to average assets | 0.5393% | 3,244 |
| Noninterest expense to average assets | 2.7799% | 3,557 |
| Loan and lease loss provision to assets | 0.2179% | 1,131 |
| Net operating income to assets | 0.8852% | 2,949 |
| Return on assets (ROA) | 0.8852% | 3,030 |
| Pretax return on assets | 1.2810% | 2,305 |
| Return on Equity (ROE) | 6.2115% | 4,047 |
| Retained earnings to average equity (ytd only) | 4.5870% | 2,914 |
| Net charge-offs to loans | 0.8348% | 408 |
| Credit loss provision to net charge-offs | 39.0879% | 3,691 |
| Earnings coverage of net charge-offs (x) | 2.6889% | 4,086 |
| Efficiency ratio | 64.9692% | 4,405 |
| Assets per employee ($millions) | 3.5600% | 4,796 |
| Cash dividends to net income (ytd only)* | 26.1538% | 3,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0254% | 4,923 |
| Loan loss allowance to noncurrent loans | 62.1492% | 4,741 |
| Noncurrent assets plus other real estate owned to assets | 1.1299% | 2,498 |
| Noncurrent loans to loans | 1.6500% | 1,773 |
| Net loans and leases to total assets | 67.7815% | 2,592 |
| Net loans and leases to deposits | 86.6006% | 1,902 |
| Net loans and leases to core deposits | 90.2677% | 2,252 |
| Total domestic deposits to total assets | 78.2691% | 5,385 |
| Equity capital to assets | 14.5752% | 790 |
| Core capital (leverage) ratio | 14.6689% | 669 |
| Tier 1 risk-based capital ratio | 21.6362% | 1,282 |
| Total risk-based capital ratio | 22.6729% | 1,296 |
| Memoranda: | ||
| Average total assets | $110,148,000 | 4,378 |
| Average earning assets | $102,602,200 | 4,336 |
| Average equity | $15,696,600 | 3,724 |
| Average total loans | $73,547,200 | 4,074 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3131% | 2,570 |
| Cost of funding earning assets | 0.3942% | 3,854 |
| Net interest margin | 3.9189% | 2,161 |
| Noninterest income to average assets | 0.5413% | 3,252 |
| Noninterest expense to average assets | 2.8157% | 3,403 |
| Loan and lease loss provision to assets | 0.2180% | 1,052 |
| Net operating income to assets | 0.7969% | 3,441 |
| Return on assets (ROA) | 0.7969% | 3,542 |
| Pretax return on assets | 1.1553% | 2,967 |
| Return on Equity (ROE) | 5.6240% | 4,432 |
| Retained earnings to average equity (ytd only) | 5.6240% | 2,652 |
| Net charge-offs to loans | 1.1373% | 248 |
| Credit loss provision to net charge-offs | 28.8925% | 3,468 |
| Earnings coverage of net charge-offs (x) | 1.8202% | 4,071 |
| Efficiency ratio | 67.2160% | 4,006 |
| Assets per employee ($millions) | 3.4983% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9551% | 5,406 |
| Loan loss allowance to noncurrent loans | 56.5705% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 1.1508% | 2,648 |
| Noncurrent loans to loans | 1.6883% | 1,928 |
| Net loans and leases to total assets | 67.5110% | 2,610 |
| Net loans and leases to deposits | 88.1564% | 1,647 |
| Net loans and leases to core deposits | 93.1226% | 1,945 |
| Total domestic deposits to total assets | 76.5810% | 5,746 |
| Equity capital to assets | 14.7511% | 790 |
| Core capital (leverage) ratio | 14.6608% | 684 |
| Tier 1 risk-based capital ratio | 21.9016% | 1,278 |
| Total risk-based capital ratio | 22.8612% | 1,303 |
| Memoranda: | ||
| Average total assets | $110,095,250 | 4,420 |
| Average earning assets | $102,476,000 | 4,378 |
| Average equity | $15,599,500 | 3,750 |
| Average total loans | $73,039,500 | 4,113 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2106% | 2,911 |
| Cost of funding earning assets | 0.4065% | 3,806 |
| Net interest margin | 3.8041% | 2,560 |
| Noninterest income to average assets | 0.5224% | 3,322 |
| Noninterest expense to average assets | 2.8144% | 3,446 |
| Loan and lease loss provision to assets | 0.2169% | 1,082 |
| Net operating income to assets | 0.7122% | 3,772 |
| Return on assets (ROA) | 0.7122% | 3,868 |
| Pretax return on assets | 1.0267% | 3,368 |
| Return on Equity (ROE) | 5.0947% | 4,631 |
| Retained earnings to average equity (ytd only) | 5.0947% | 2,899 |
| Net charge-offs to loans | 1.6551% | 155 |
| Credit loss provision to net charge-offs | 19.9336% | 3,201 |
| Earnings coverage of net charge-offs (x) | 1.1429% | 3,880 |
| Efficiency ratio | 69.3541% | 3,768 |
| Assets per employee ($millions) | 3.5920% | 4,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9325% | 5,623 |
| Loan loss allowance to noncurrent loans | 43.4811% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 1.3776% | 2,369 |
| Noncurrent loans to loans | 2.1445% | 1,551 |
| Net loans and leases to total assets | 63.6396% | 3,136 |
| Net loans and leases to deposits | 81.9389% | 2,255 |
| Net loans and leases to core deposits | 85.6632% | 2,551 |
| Total domestic deposits to total assets | 77.6672% | 5,695 |
| Equity capital to assets | 14.1461% | 914 |
| Core capital (leverage) ratio | 14.4149% | 728 |
| Tier 1 risk-based capital ratio | 22.1318% | 1,241 |
| Total risk-based capital ratio | 23.0632% | 1,265 |
| Memoranda: | ||
| Average total assets | $110,645,000 | 4,434 |
| Average earning assets | $102,835,670 | 4,394 |
| Average equity | $15,467,000 | 3,776 |
| Average total loans | $72,746,330 | 4,141 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2457% | 2,703 |
| Cost of funding earning assets | 0.4328% | 3,617 |
| Net interest margin | 3.8130% | 2,414 |
| Noninterest income to average assets | 0.4932% | 3,466 |
| Noninterest expense to average assets | 2.9014% | 3,213 |
| Loan and lease loss provision to assets | 0.2176% | 1,044 |
| Net operating income to assets | 0.6419% | 3,987 |
| Return on assets (ROA) | 0.6419% | 4,078 |
| Pretax return on assets | 0.9212% | 3,620 |
| Return on Equity (ROE) | 4.6201% | 4,731 |
| Retained earnings to average equity (ytd only) | 4.6201% | 3,346 |
| Net charge-offs to loans | 0.2890% | 1,197 |
| Credit loss provision to net charge-offs | 113.2075% | 1,513 |
| Earnings coverage of net charge-offs (x) | 5.9245% | 2,312 |
| Efficiency ratio | 71.8133% | 3,520 |
| Assets per employee ($millions) | 3.5681% | 4,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6015% | 2,697 |
| Loan loss allowance to noncurrent loans | 46.1477% | 5,356 |
| Noncurrent assets plus other real estate owned to assets | 2.2647% | 1,452 |
| Noncurrent loans to loans | 3.4704% | 851 |
| Net loans and leases to total assets | 64.2124% | 2,855 |
| Net loans and leases to deposits | 82.5577% | 2,001 |
| Net loans and leases to core deposits | 86.7949% | 2,224 |
| Total domestic deposits to total assets | 77.7789% | 5,860 |
| Equity capital to assets | 13.9742% | 927 |
| Core capital (leverage) ratio | 14.1475% | 776 |
| Tier 1 risk-based capital ratio | 21.6870% | 1,342 |
| Total risk-based capital ratio | 22.9412% | 1,319 |
| Memoranda: | ||
| Average total assets | $110,291,500 | 4,477 |
| Average earning assets | $102,597,500 | 4,438 |
| Average equity | $15,324,500 | 3,804 |
| Average total loans | $73,354,000 | 4,155 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4574% | 2,367 |
| Cost of funding earning assets | 0.5251% | 3,349 |
| Net interest margin | 3.9323% | 2,169 |
| Noninterest income to average assets | 0.5618% | 3,320 |
| Noninterest expense to average assets | 2.6592% | 4,244 |
| Loan and lease loss provision to assets | 0.5232% | 528 |
| Net operating income to assets | 0.7343% | 3,637 |
| Return on assets (ROA) | 0.7343% | 3,715 |
| Pretax return on assets | 1.0501% | 3,153 |
| Return on Equity (ROE) | 5.3628% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.1617% | 2,496 |
| Net charge-offs to loans | 0.5582% | 1,181 |
| Credit loss provision to net charge-offs | 134.7518% | 1,741 |
| Earnings coverage of net charge-offs (x) | 4.0520% | 3,688 |
| Efficiency ratio | 62.8280% | 5,085 |
| Assets per employee ($millions) | 3.6657% | 4,558 |
| Cash dividends to net income (ytd only)* | 3.7500% | 4,206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5417% | 2,999 |
| Loan loss allowance to noncurrent loans | 44.2263% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 2.4243% | 1,430 |
| Noncurrent loans to loans | 3.4860% | 904 |
| Net loans and leases to total assets | 66.7233% | 2,570 |
| Net loans and leases to deposits | 85.9548% | 1,692 |
| Net loans and leases to core deposits | 90.3992% | 1,980 |
| Total domestic deposits to total assets | 77.6261% | 5,882 |
| Equity capital to assets | 13.8144% | 961 |
| Core capital (leverage) ratio | 14.0990% | 803 |
| Tier 1 risk-based capital ratio | 21.1823% | 1,390 |
| Total risk-based capital ratio | 22.4363% | 1,372 |
| Memoranda: | ||
| Average total assets | $108,942,200 | 4,520 |
| Average earning assets | $101,696,800 | 4,469 |
| Average equity | $14,917,600 | 3,887 |
| Average total loans | $75,782,000 | 4,066 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 2,370 |
| Cost of funding earning assets | 0.5502% | 3,261 |
| Net interest margin | 3.9142% | 2,220 |
| Noninterest income to average assets | 0.5741% | 3,304 |
| Noninterest expense to average assets | 2.7430% | 3,856 |
| Loan and lease loss provision to assets | 0.6072% | 400 |
| Net operating income to assets | 0.6171% | 4,273 |
| Return on assets (ROA) | 0.6171% | 4,401 |
| Pretax return on assets | 0.8808% | 3,964 |
| Return on Equity (ROE) | 4.5165% | 4,978 |
| Retained earnings to average equity (ytd only) | 4.5165% | 3,461 |
| Net charge-offs to loans | 0.7096% | 842 |
| Credit loss provision to net charge-offs | 122.2222% | 1,924 |
| Earnings coverage of net charge-offs (x) | 2.9950% | 3,838 |
| Efficiency ratio | 64.8304% | 4,672 |
| Assets per employee ($millions) | 3.7975% | 4,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4750% | 3,564 |
| Loan loss allowance to noncurrent loans | 40.9295% | 5,604 |
| Noncurrent assets plus other real estate owned to assets | 2.4844% | 1,552 |
| Noncurrent loans to loans | 3.6038% | 1,044 |
| Net loans and leases to total assets | 66.2329% | 2,594 |
| Net loans and leases to deposits | 83.5244% | 1,939 |
| Net loans and leases to core deposits | 88.0834% | 2,177 |
| Total domestic deposits to total assets | 79.2977% | 5,675 |
| Equity capital to assets | 13.6396% | 1,067 |
| Core capital (leverage) ratio | 13.9606% | 879 |
| Tier 1 risk-based capital ratio | 20.8807% | 1,516 |
| Total risk-based capital ratio | 22.1332% | 1,488 |
| Memoranda: | ||
| Average total assets | $108,684,750 | 4,567 |
| Average earning assets | $101,541,500 | 4,514 |
| Average equity | $14,849,000 | 3,945 |
| Average total loans | $76,096,000 | 4,085 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5024% | 2,194 |
| Cost of funding earning assets | 0.5722% | 3,196 |
| Net interest margin | 3.9302% | 2,110 |
| Noninterest income to average assets | 0.6340% | 2,997 |
| Noninterest expense to average assets | 2.7615% | 3,813 |
| Loan and lease loss provision to assets | 0.7116% | 320 |
| Net operating income to assets | 0.5841% | 4,379 |
| Return on assets (ROA) | 0.5841% | 4,558 |
| Pretax return on assets | 0.8299% | 4,197 |
| Return on Equity (ROE) | 4.2727% | 5,102 |
| Retained earnings to average equity (ytd only) | 4.2727% | 3,575 |
| Net charge-offs to loans | 0.7762% | 816 |
| Credit loss provision to net charge-offs | 129.1946% | 1,751 |
| Earnings coverage of net charge-offs (x) | 2.7987% | 3,583 |
| Efficiency ratio | 64.1753% | 4,843 |
| Assets per employee ($millions) | 3.8539% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4708% | 3,718 |
| Loan loss allowance to noncurrent loans | 36.1674% | 5,794 |
| Noncurrent assets plus other real estate owned to assets | 2.8867% | 1,422 |
| Noncurrent loans to loans | 4.0666% | 948 |
| Net loans and leases to total assets | 67.6067% | 2,323 |
| Net loans and leases to deposits | 86.7827% | 1,483 |
| Net loans and leases to core deposits | 91.7267% | 1,737 |
| Total domestic deposits to total assets | 77.9034% | 5,997 |
| Equity capital to assets | 13.6922% | 1,057 |
| Core capital (leverage) ratio | 13.7078% | 911 |
| Tier 1 risk-based capital ratio | 20.7492% | 1,559 |
| Total risk-based capital ratio | 22.0024% | 1,524 |
| Memoranda: | ||
| Average total assets | $108,203,670 | 4,599 |
| Average earning assets | $101,013,000 | 4,554 |
| Average equity | $14,791,670 | 3,987 |
| Average total loans | $76,783,670 | 4,079 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 2,058 |
| Cost of funding earning assets | 0.6061% | 3,054 |
| Net interest margin | 3.9257% | 2,027 |
| Noninterest income to average assets | 0.6682% | 2,772 |
| Noninterest expense to average assets | 2.8906% | 3,380 |
| Loan and lease loss provision to assets | 0.2769% | 1,270 |
| Net operating income to assets | 0.8011% | 3,163 |
| Return on assets (ROA) | 0.8011% | 3,293 |
| Pretax return on assets | 1.1592% | 2,728 |
| Return on Equity (ROE) | 5.8649% | 4,120 |
| Retained earnings to average equity (ytd only) | 5.8649% | 2,752 |
| Net charge-offs to loans | 0.0614% | 3,203 |
| Credit loss provision to net charge-offs | 625.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 32.4167% | 925 |
| Efficiency ratio | 66.8089% | 4,521 |
| Assets per employee ($millions) | 3.9761% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3748% | 4,356 |
| Loan loss allowance to noncurrent loans | 30.7182% | 6,004 |
| Noncurrent assets plus other real estate owned to assets | 3.3369% | 1,306 |
| Noncurrent loans to loans | 4.4755% | 930 |
| Net loans and leases to total assets | 68.6245% | 1,902 |
| Net loans and leases to deposits | 88.0358% | 1,147 |
| Net loans and leases to core deposits | 92.8797% | 1,424 |
| Total domestic deposits to total assets | 77.9506% | 6,116 |
| Equity capital to assets | 13.3906% | 1,249 |
| Core capital (leverage) ratio | 13.7978% | 851 |
| Tier 1 risk-based capital ratio | 19.8892% | 1,805 |
| Total risk-based capital ratio | 21.1414% | 1,770 |
| Memoranda: | ||
| Average total assets | $108,351,500 | 4,648 |
| Average earning assets | $100,974,500 | 4,597 |
| Average equity | $14,800,000 | 4,035 |
| Average total loans | $78,154,500 | 4,060 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0499% | 1,431 |
| Cost of funding earning assets | 0.8046% | 2,628 |
| Net interest margin | 4.2453% | 1,531 |
| Noninterest income to average assets | 0.5652% | 3,478 |
| Noninterest expense to average assets | 2.6741% | 4,497 |
| Loan and lease loss provision to assets | 0.1739% | 3,445 |
| Net operating income to assets | 1.1429% | 1,795 |
| Return on assets (ROA) | 1.1429% | 1,965 |
| Pretax return on assets | 1.6626% | 1,234 |
| Return on Equity (ROE) | 8.3634% | 2,929 |
| Retained earnings to average equity (ytd only) | 8.1513% | 1,072 |
| Net charge-offs to loans | 0.1853% | 3,902 |
| Credit loss provision to net charge-offs | 122.4490% | 2,330 |
| Earnings coverage of net charge-offs (x) | 12.9320% | 1,885 |
| Efficiency ratio | 59.2846% | 5,654 |
| Assets per employee ($millions) | 3.6335% | 4,701 |
| Cash dividends to net income (ytd only)* | 2.5359% | 4,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2709% | 4,777 |
| Loan loss allowance to noncurrent loans | 54.9041% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 2.0328% | 2,410 |
| Noncurrent loans to loans | 2.3147% | 2,334 |
| Net loans and leases to total assets | 73.8733% | 1,211 |
| Net loans and leases to deposits | 96.1475% | 607 |
| Net loans and leases to core deposits | 101.8341% | 897 |
| Total domestic deposits to total assets | 76.8333% | 6,252 |
| Equity capital to assets | 13.9431% | 1,070 |
| Core capital (leverage) ratio | 13.9429% | 819 |
| Tier 1 risk-based capital ratio | 20.0478% | 1,666 |
| Total risk-based capital ratio | 21.2999% | 1,635 |
| Memoranda: | ||
| Average total assets | $103,510,000 | 4,746 |
| Average earning assets | $96,200,800 | 4,685 |
| Average equity | $14,145,000 | 4,127 |
| Average total loans | $79,339,400 | 4,057 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0892% | 1,454 |
| Cost of funding earning assets | 0.8331% | 2,684 |
| Net interest margin | 4.2561% | 1,584 |
| Noninterest income to average assets | 0.5771% | 3,429 |
| Noninterest expense to average assets | 2.6551% | 4,538 |
| Loan and lease loss provision to assets | 0.1359% | 3,849 |
| Net operating income to assets | 1.1917% | 1,772 |
| Return on assets (ROA) | 1.1917% | 1,948 |
| Pretax return on assets | 1.7455% | 1,169 |
| Return on Equity (ROE) | 8.7660% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.7660% | 1,315 |
| Net charge-offs to loans | 0.2467% | 3,244 |
| Credit loss provision to net charge-offs | 71.4286% | 3,868 |
| Earnings coverage of net charge-offs (x) | 9.8909% | 2,259 |
| Efficiency ratio | 58.5282% | 5,715 |
| Assets per employee ($millions) | 3.5725% | 4,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 5,432 |
| Loan loss allowance to noncurrent loans | 56.4899% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 2.0077% | 2,625 |
| Noncurrent loans to loans | 2.0704% | 2,773 |
| Net loans and leases to total assets | 75.6086% | 1,027 |
| Net loans and leases to deposits | 98.7469% | 507 |
| Net loans and leases to core deposits | 105.0590% | 802 |
| Total domestic deposits to total assets | 76.5680% | 6,302 |
| Equity capital to assets | 13.9698% | 1,169 |
| Core capital (leverage) ratio | 13.8508% | 885 |
| Tier 1 risk-based capital ratio | 19.4428% | 1,889 |
| Total risk-based capital ratio | 20.6898% | 1,864 |
| Memoranda: | ||
| Average total assets | $103,044,750 | 4,799 |
| Average earning assets | $95,860,750 | 4,743 |
| Average equity | $14,008,250 | 4,188 |
| Average total loans | $79,463,500 | 4,097 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1076% | 1,485 |
| Cost of funding earning assets | 0.8596% | 2,730 |
| Net interest margin | 4.2479% | 1,611 |
| Noninterest income to average assets | 0.5717% | 3,438 |
| Noninterest expense to average assets | 2.6055% | 4,759 |
| Loan and lease loss provision to assets | 0.1167% | 4,063 |
| Net operating income to assets | 1.2269% | 1,619 |
| Return on assets (ROA) | 1.2269% | 1,812 |
| Pretax return on assets | 1.7986% | 1,043 |
| Return on Equity (ROE) | 9.1097% | 2,762 |
| Retained earnings to average equity (ytd only) | 9.1097% | 1,233 |
| Net charge-offs to loans | 0.2967% | 2,836 |
| Credit loss provision to net charge-offs | 50.8475% | 4,013 |
| Earnings coverage of net charge-offs (x) | 8.3475% | 2,311 |
| Efficiency ratio | 57.6344% | 5,912 |
| Assets per employee ($millions) | 3.5590% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1501% | 5,570 |
| Loan loss allowance to noncurrent loans | 53.8098% | 4,919 |
| Noncurrent assets plus other real estate owned to assets | 2.0657% | 2,703 |
| Noncurrent loans to loans | 2.1374% | 2,778 |
| Net loans and leases to total assets | 75.8613% | 984 |
| Net loans and leases to deposits | 98.2631% | 513 |
| Net loans and leases to core deposits | 104.4977% | 825 |
| Total domestic deposits to total assets | 77.2023% | 6,295 |
| Equity capital to assets | 13.7368% | 1,202 |
| Core capital (leverage) ratio | 13.7041% | 900 |
| Tier 1 risk-based capital ratio | 19.1110% | 1,935 |
| Total risk-based capital ratio | 20.3403% | 1,926 |
| Memoranda: | ||
| Average total assets | $102,859,000 | 4,832 |
| Average earning assets | $95,622,670 | 4,778 |
| Average equity | $13,853,330 | 4,225 |
| Average total loans | $79,531,670 | 4,118 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1884% | 1,342 |
| Cost of funding earning assets | 0.9171% | 2,551 |
| Net interest margin | 4.2714% | 1,560 |
| Noninterest income to average assets | 0.5726% | 3,401 |
| Noninterest expense to average assets | 2.6606% | 4,582 |
| Loan and lease loss provision to assets | 0.1169% | 3,885 |
| Net operating income to assets | 1.2076% | 1,713 |
| Return on assets (ROA) | 1.2076% | 1,895 |
| Pretax return on assets | 1.7686% | 1,156 |
| Return on Equity (ROE) | 9.0570% | 2,800 |
| Retained earnings to average equity (ytd only) | 9.0570% | 1,572 |
| Net charge-offs to loans | 0.1104% | 3,469 |
| Credit loss provision to net charge-offs | 136.3636% | 1,800 |
| Earnings coverage of net charge-offs (x) | 22.0000% | 1,140 |
| Efficiency ratio | 58.5261% | 5,846 |
| Assets per employee ($millions) | 3.6683% | 4,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2502% | 5,245 |
| Loan loss allowance to noncurrent loans | 55.6378% | 4,756 |
| Noncurrent assets plus other real estate owned to assets | 2.0494% | 2,826 |
| Noncurrent loans to loans | 2.2470% | 2,865 |
| Net loans and leases to total assets | 75.1341% | 904 |
| Net loans and leases to deposits | 97.3177% | 468 |
| Net loans and leases to core deposits | 103.9270% | 769 |
| Total domestic deposits to total assets | 77.2050% | 6,369 |
| Equity capital to assets | 13.4786% | 1,248 |
| Core capital (leverage) ratio | 13.6018% | 908 |
| Tier 1 risk-based capital ratio | 18.8534% | 2,032 |
| Total risk-based capital ratio | 20.1038% | 1,994 |
| Memoranda: | ||
| Average total assets | $102,682,500 | 4,874 |
| Average earning assets | $95,520,000 | 4,804 |
| Average equity | $13,691,000 | 4,259 |
| Average total loans | $79,693,000 | 4,133 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3554% | 1,551 |
| Cost of funding earning assets | 1.1716% | 2,210 |
| Net interest margin | 4.1838% | 2,112 |
| Noninterest income to average assets | 0.6147% | 3,090 |
| Noninterest expense to average assets | 2.6478% | 4,933 |
| Loan and lease loss provision to assets | 0.0742% | 5,683 |
| Net operating income to assets | 1.2324% | 1,425 |
| Return on assets (ROA) | 1.2412% | 1,501 |
| Pretax return on assets | 1.8114% | 789 |
| Return on Equity (ROE) | 9.7463% | 2,145 |
| Retained earnings to average equity (ytd only) | 9.7463% | 615 |
| Net charge-offs to loans | 0.0557% | 5,756 |
| Credit loss provision to net charge-offs | 170.4545% | 1,576 |
| Earnings coverage of net charge-offs (x) | 43.0000% | 635 |
| Efficiency ratio | 58.5724% | 5,967 |
| Assets per employee ($millions) | 3.6662% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,426 |
| Loan loss allowance to noncurrent loans | 50.2073% | 5,009 |
| Noncurrent assets plus other real estate owned to assets | 1.8801% | 3,138 |
| Noncurrent loans to loans | 2.3757% | 2,758 |
| Net loans and leases to total assets | 78.1937% | 689 |
| Net loans and leases to deposits | 100.0736% | 453 |
| Net loans and leases to core deposits | 106.7904% | 765 |
| Total domestic deposits to total assets | 78.1363% | 6,167 |
| Equity capital to assets | 13.1880% | 1,402 |
| Core capital (leverage) ratio | 13.2567% | 1,049 |
| Tier 1 risk-based capital ratio | 18.0928% | 2,160 |
| Total risk-based capital ratio | 19.3430% | 2,137 |
| Memoranda: | ||
| Average total assets | $101,028,800 | 4,866 |
| Average earning assets | $94,316,600 | 4,801 |
| Average equity | $12,866,400 | 4,362 |
| Average total loans | $78,938,800 | 4,173 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3496% | 1,674 |
| Cost of funding earning assets | 1.2184% | 2,204 |
| Net interest margin | 4.1312% | 2,353 |
| Noninterest income to average assets | 0.6082% | 3,120 |
| Noninterest expense to average assets | 2.6740% | 4,824 |
| Loan and lease loss provision to assets | 0.0994% | 5,216 |
| Net operating income to assets | 1.1596% | 1,781 |
| Return on assets (ROA) | 1.1713% | 1,856 |
| Pretax return on assets | 1.7159% | 1,106 |
| Return on Equity (ROE) | 9.2817% | 2,471 |
| Retained earnings to average equity (ytd only) | 9.2817% | 1,048 |
| Net charge-offs to loans | 0.0647% | 5,318 |
| Credit loss provision to net charge-offs | 197.3684% | 1,482 |
| Earnings coverage of net charge-offs (x) | 35.7073% | 833 |
| Efficiency ratio | 59.7926% | 5,759 |
| Assets per employee ($millions) | 3.7766% | 4,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 5,387 |
| Loan loss allowance to noncurrent loans | 58.9480% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.6221% | 3,653 |
| Noncurrent loans to loans | 2.0723% | 3,275 |
| Net loans and leases to total assets | 77.3186% | 800 |
| Net loans and leases to deposits | 98.6610% | 536 |
| Net loans and leases to core deposits | 105.2800% | 904 |
| Total domestic deposits to total assets | 78.3679% | 6,120 |
| Equity capital to assets | 12.9235% | 1,652 |
| Core capital (leverage) ratio | 12.7765% | 1,313 |
| Tier 1 risk-based capital ratio | 17.8439% | 2,312 |
| Total risk-based capital ratio | 19.0952% | 2,277 |
| Memoranda: | ||
| Average total assets | $100,622,500 | 4,910 |
| Average earning assets | $94,110,500 | 4,847 |
| Average equity | $12,698,500 | 4,405 |
| Average total loans | $78,364,000 | 4,232 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3072% | 1,861 |
| Cost of funding earning assets | 1.2541% | 2,227 |
| Net interest margin | 4.0530% | 2,599 |
| Noninterest income to average assets | 0.6129% | 3,049 |
| Noninterest expense to average assets | 2.6853% | 4,879 |
| Loan and lease loss provision to assets | 0.1497% | 4,440 |
| Net operating income to assets | 1.0705% | 1,969 |
| Return on assets (ROA) | 1.0881% | 2,000 |
| Pretax return on assets | 1.5912% | 1,270 |
| Return on Equity (ROE) | 8.6931% | 2,641 |
| Retained earnings to average equity (ytd only) | 8.6931% | 1,208 |
| Net charge-offs to loans | 0.0924% | 4,749 |
| Credit loss provision to net charge-offs | 208.3333% | 1,441 |
| Earnings coverage of net charge-offs (x) | 23.8611% | 1,080 |
| Efficiency ratio | 61.0254% | 5,724 |
| Assets per employee ($millions) | 3.8178% | 4,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 5,317 |
| Loan loss allowance to noncurrent loans | 77.9729% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.2155% | 4,464 |
| Noncurrent loans to loans | 1.6008% | 3,994 |
| Net loans and leases to total assets | 74.9838% | 1,246 |
| Net loans and leases to deposits | 96.9641% | 652 |
| Net loans and leases to core deposits | 103.1027% | 1,110 |
| Total domestic deposits to total assets | 77.3314% | 6,407 |
| Equity capital to assets | 12.4611% | 1,802 |
| Core capital (leverage) ratio | 12.5714% | 1,325 |
| Tier 1 risk-based capital ratio | 17.5336% | 2,327 |
| Total risk-based capital ratio | 18.7847% | 2,298 |
| Memoranda: | ||
| Average total assets | $100,173,670 | 4,959 |
| Average earning assets | $93,609,330 | 4,893 |
| Average equity | $12,538,670 | 4,426 |
| Average total loans | $77,880,000 | 4,287 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3771% | 1,651 |
| Cost of funding earning assets | 1.2933% | 2,219 |
| Net interest margin | 4.0838% | 2,329 |
| Noninterest income to average assets | 0.6280% | 2,977 |
| Noninterest expense to average assets | 2.6378% | 5,090 |
| Loan and lease loss provision to assets | 0.3039% | 2,736 |
| Net operating income to assets | 1.0292% | 2,076 |
| Return on assets (ROA) | 1.0292% | 2,123 |
| Pretax return on assets | 1.4992% | 1,449 |
| Return on Equity (ROE) | 8.2031% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.2031% | 1,665 |
| Net charge-offs to loans | 0.2369% | 3,132 |
| Credit loss provision to net charge-offs | 163.0435% | 1,776 |
| Earnings coverage of net charge-offs (x) | 9.6739% | 1,700 |
| Efficiency ratio | 59.3978% | 6,065 |
| Assets per employee ($millions) | 3.6686% | 4,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2486% | 5,406 |
| Loan loss allowance to noncurrent loans | 71.7892% | 3,842 |
| Noncurrent assets plus other real estate owned to assets | 1.3599% | 4,254 |
| Noncurrent loans to loans | 1.7392% | 3,901 |
| Net loans and leases to total assets | 77.2130% | 846 |
| Net loans and leases to deposits | 98.2036% | 561 |
| Net loans and leases to core deposits | 104.1848% | 1,050 |
| Total domestic deposits to total assets | 78.6254% | 6,268 |
| Equity capital to assets | 12.6297% | 1,561 |
| Core capital (leverage) ratio | 12.7771% | 1,207 |
| Tier 1 risk-based capital ratio | 17.5094% | 2,291 |
| Total risk-based capital ratio | 18.7613% | 2,256 |
| Memoranda: | ||
| Average total assets | $98,720,000 | 5,032 |
| Average earning assets | $92,168,000 | 4,966 |
| Average equity | $12,385,500 | 4,469 |
| Average total loans | $77,684,500 | 4,337 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7459% | 1,418 |
| Cost of funding earning assets | 1.5184% | 2,541 |
| Net interest margin | 4.2276% | 2,069 |
| Noninterest income to average assets | 0.6778% | 2,977 |
| Noninterest expense to average assets | 2.6862% | 5,050 |
| Loan and lease loss provision to assets | 0.2325% | 4,955 |
| Net operating income to assets | 1.1520% | 1,539 |
| Return on assets (ROA) | 1.1520% | 1,621 |
| Pretax return on assets | 1.6799% | 977 |
| Return on Equity (ROE) | 9.5060% | 2,106 |
| Retained earnings to average equity (ytd only) | 9.5060% | 604 |
| Net charge-offs to loans | 0.1915% | 5,153 |
| Credit loss provision to net charge-offs | 151.0067% | 2,388 |
| Earnings coverage of net charge-offs (x) | 12.4228% | 1,505 |
| Efficiency ratio | 58.4138% | 6,288 |
| Assets per employee ($millions) | 3.6440% | 4,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 5,496 |
| Loan loss allowance to noncurrent loans | 53.2350% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 1.8386% | 3,576 |
| Noncurrent loans to loans | 2.2613% | 3,260 |
| Net loans and leases to total assets | 78.2443% | 906 |
| Net loans and leases to deposits | 100.9004% | 531 |
| Net loans and leases to core deposits | 106.5287% | 1,153 |
| Total domestic deposits to total assets | 77.5460% | 6,392 |
| Equity capital to assets | 12.4619% | 1,657 |
| Core capital (leverage) ratio | 12.5416% | 1,299 |
| Tier 1 risk-based capital ratio | 16.9607% | 2,357 |
| Total risk-based capital ratio | 18.2108% | 2,323 |
| Memoranda: | ||
| Average total assets | $96,789,400 | 5,085 |
| Average earning assets | $89,768,200 | 5,023 |
| Average equity | $11,729,400 | 4,684 |
| Average total loans | $77,801,200 | 4,397 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8199% | 1,340 |
| Cost of funding earning assets | 1.5517% | 2,666 |
| Net interest margin | 4.2682% | 1,962 |
| Noninterest income to average assets | 0.6446% | 3,155 |
| Noninterest expense to average assets | 2.6378% | 5,165 |
| Loan and lease loss provision to assets | 0.3112% | 4,087 |
| Net operating income to assets | 1.1260% | 1,804 |
| Return on assets (ROA) | 1.1260% | 1,917 |
| Pretax return on assets | 1.6488% | 1,218 |
| Return on Equity (ROE) | 9.3589% | 2,364 |
| Retained earnings to average equity (ytd only) | 9.3589% | 945 |
| Net charge-offs to loans | 0.1903% | 4,811 |
| Credit loss provision to net charge-offs | 202.7027% | 1,756 |
| Earnings coverage of net charge-offs (x) | 12.7655% | 1,652 |
| Efficiency ratio | 57.3706% | 6,365 |
| Assets per employee ($millions) | 3.5577% | 4,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 5,225 |
| Loan loss allowance to noncurrent loans | 58.7244% | 4,401 |
| Noncurrent assets plus other real estate owned to assets | 2.1820% | 3,229 |
| Noncurrent loans to loans | 2.1299% | 3,542 |
| Net loans and leases to total assets | 80.2182% | 714 |
| Net loans and leases to deposits | 103.7679% | 441 |
| Net loans and leases to core deposits | 109.7101% | 1,052 |
| Total domestic deposits to total assets | 77.3054% | 6,421 |
| Equity capital to assets | 12.5081% | 1,856 |
| Core capital (leverage) ratio | 12.5373% | 1,390 |
| Tier 1 risk-based capital ratio | 16.6280% | 2,495 |
| Total risk-based capital ratio | 17.8789% | 2,455 |
| Memoranda: | ||
| Average total assets | $96,389,750 | 5,150 |
| Average earning assets | $89,277,750 | 5,098 |
| Average equity | $11,596,500 | 4,784 |
| Average total loans | $77,771,250 | 4,475 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7769% | 1,492 |
| Cost of funding earning assets | 1.5828% | 2,756 |
| Net interest margin | 4.1941% | 2,172 |
| Noninterest income to average assets | 0.6114% | 3,246 |
| Noninterest expense to average assets | 2.6425% | 5,159 |
| Loan and lease loss provision to assets | 0.4145% | 3,244 |
| Net operating income to assets | 0.9886% | 2,244 |
| Return on assets (ROA) | 0.9886% | 2,321 |
| Pretax return on assets | 1.4425% | 1,717 |
| Return on Equity (ROE) | 8.3268% | 2,749 |
| Retained earnings to average equity (ytd only) | 8.3268% | 1,322 |
| Net charge-offs to loans | 0.1699% | 4,597 |
| Credit loss provision to net charge-offs | 303.0303% | 1,206 |
| Earnings coverage of net charge-offs (x) | 13.5758% | 1,579 |
| Efficiency ratio | 58.7287% | 6,270 |
| Assets per employee ($millions) | 3.3323% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2708% | 5,079 |
| Loan loss allowance to noncurrent loans | 37.4014% | 5,867 |
| Noncurrent assets plus other real estate owned to assets | 3.1092% | 2,276 |
| Noncurrent loans to loans | 3.3976% | 2,347 |
| Net loans and leases to total assets | 82.9354% | 445 |
| Net loans and leases to deposits | 106.1074% | 390 |
| Net loans and leases to core deposits | 111.8479% | 1,044 |
| Total domestic deposits to total assets | 78.1617% | 6,232 |
| Equity capital to assets | 12.5322% | 1,777 |
| Core capital (leverage) ratio | 12.2431% | 1,523 |
| Tier 1 risk-based capital ratio | 16.0667% | 2,642 |
| Total risk-based capital ratio | 17.3311% | 2,595 |
| Memoranda: | ||
| Average total assets | $96,500,330 | 5,179 |
| Average earning assets | $89,459,330 | 5,117 |
| Average equity | $11,457,000 | 4,814 |
| Average total loans | $77,684,330 | 4,518 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6950% | 1,799 |
| Cost of funding earning assets | 1.6416% | 2,697 |
| Net interest margin | 4.0534% | 2,637 |
| Noninterest income to average assets | 0.6157% | 3,164 |
| Noninterest expense to average assets | 2.5444% | 5,567 |
| Loan and lease loss provision to assets | 0.3874% | 3,035 |
| Net operating income to assets | 0.9868% | 2,232 |
| Return on assets (ROA) | 0.9868% | 2,292 |
| Pretax return on assets | 1.4394% | 1,672 |
| Return on Equity (ROE) | 8.5369% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.5369% | 1,524 |
| Net charge-offs to loans | 0.3000% | 3,217 |
| Credit loss provision to net charge-offs | 163.7931% | 2,215 |
| Earnings coverage of net charge-offs (x) | 7.7241% | 2,049 |
| Efficiency ratio | 58.2090% | 6,457 |
| Assets per employee ($millions) | 3.6174% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1588% | 5,720 |
| Loan loss allowance to noncurrent loans | 36.4263% | 5,946 |
| Noncurrent assets plus other real estate owned to assets | 3.0316% | 2,360 |
| Noncurrent loans to loans | 3.1813% | 2,511 |
| Net loans and leases to total assets | 78.5074% | 1,061 |
| Net loans and leases to deposits | 100.6326% | 716 |
| Net loans and leases to core deposits | 106.6898% | 1,520 |
| Total domestic deposits to total assets | 78.0139% | 6,313 |
| Equity capital to assets | 11.7138% | 2,219 |
| Core capital (leverage) ratio | 11.6161% | 1,848 |
| Tier 1 risk-based capital ratio | 15.4529% | 2,888 |
| Total risk-based capital ratio | 16.6710% | 2,855 |
| Memoranda: | ||
| Average total assets | $98,098,500 | 5,205 |
| Average earning assets | $90,887,500 | 5,137 |
| Average equity | $11,339,000 | 4,888 |
| Average total loans | $77,337,500 | 4,594 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0636% | 1,628 |
| Cost of funding earning assets | 2.0746% | 2,600 |
| Net interest margin | 3.9889% | 2,903 |
| Noninterest income to average assets | 0.5919% | 3,686 |
| Noninterest expense to average assets | 2.7295% | 5,250 |
| Loan and lease loss provision to assets | 0.5094% | 3,828 |
| Net operating income to assets | 0.7311% | 2,808 |
| Return on assets (ROA) | 0.7529% | 2,800 |
| Pretax return on assets | 1.0851% | 2,294 |
| Return on Equity (ROE) | 6.8223% | 2,860 |
| Retained earnings to average equity (ytd only) | 6.8223% | 1,028 |
| Net charge-offs to loans | 0.5133% | 3,727 |
| Credit loss provision to net charge-offs | 128.2051% | 4,027 |
| Earnings coverage of net charge-offs (x) | 3.9333% | 3,136 |
| Efficiency ratio | 63.5889% | 5,851 |
| Assets per employee ($millions) | 3.6491% | 4,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1181% | 5,822 |
| Loan loss allowance to noncurrent loans | 31.6795% | 6,348 |
| Noncurrent assets plus other real estate owned to assets | 3.4093% | 1,981 |
| Noncurrent loans to loans | 3.5293% | 2,150 |
| Net loans and leases to total assets | 77.3755% | 1,506 |
| Net loans and leases to deposits | 100.0459% | 900 |
| Net loans and leases to core deposits | 128.1454% | 1,386 |
| Total domestic deposits to total assets | 77.3400% | 6,381 |
| Equity capital to assets | 11.4051% | 2,388 |
| Core capital (leverage) ratio | 11.4280% | 1,960 |
| Tier 1 risk-based capital ratio | 14.9340% | 2,977 |
| Total risk-based capital ratio | 16.0872% | 2,981 |
| Memoranda: | ||
| Average total assets | $98,151,200 | 5,134 |
| Average earning assets | $91,051,600 | 5,090 |
| Average equity | $10,832,200 | 5,067 |
| Average total loans | $75,981,400 | 4,654 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1446% | 1,508 |
| Cost of funding earning assets | 2.1620% | 2,590 |
| Net interest margin | 3.9827% | 2,886 |
| Noninterest income to average assets | 0.5752% | 3,890 |
| Noninterest expense to average assets | 2.7357% | 5,169 |
| Loan and lease loss provision to assets | 0.5099% | 3,344 |
| Net operating income to assets | 0.7080% | 3,176 |
| Return on assets (ROA) | 0.7342% | 3,145 |
| Pretax return on assets | 1.0647% | 2,693 |
| Return on Equity (ROE) | 6.7093% | 3,215 |
| Retained earnings to average equity (ytd only) | 6.7093% | 1,627 |
| Net charge-offs to loans | 0.5125% | 3,164 |
| Credit loss provision to net charge-offs | 128.8660% | 3,890 |
| Earnings coverage of net charge-offs (x) | 3.8832% | 3,353 |
| Efficiency ratio | 64.0356% | 5,746 |
| Assets per employee ($millions) | 3.4748% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 5,872 |
| Loan loss allowance to noncurrent loans | 31.7147% | 6,330 |
| Noncurrent assets plus other real estate owned to assets | 3.4997% | 1,901 |
| Noncurrent loans to loans | 3.3864% | 2,226 |
| Net loans and leases to total assets | 79.1475% | 1,359 |
| Net loans and leases to deposits | 102.9781% | 849 |
| Net loans and leases to core deposits | 133.3028% | 1,251 |
| Total domestic deposits to total assets | 76.8586% | 6,374 |
| Equity capital to assets | 11.3328% | 2,723 |
| Core capital (leverage) ratio | 11.2038% | 2,261 |
| Tier 1 risk-based capital ratio | 14.5835% | 3,230 |
| Total risk-based capital ratio | 15.6955% | 3,251 |
| Memoranda: | ||
| Average total assets | $98,057,500 | 5,174 |
| Average earning assets | $91,025,750 | 5,128 |
| Average equity | $10,731,000 | 5,135 |
| Average total loans | $75,702,500 | 4,708 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1580% | 1,599 |
| Cost of funding earning assets | 2.2947% | 2,373 |
| Net interest margin | 3.8633% | 3,276 |
| Noninterest income to average assets | 0.6184% | 3,544 |
| Noninterest expense to average assets | 2.8135% | 4,901 |
| Loan and lease loss provision to assets | 0.4069% | 3,485 |
| Net operating income to assets | 0.6775% | 3,355 |
| Return on assets (ROA) | 0.6957% | 3,385 |
| Pretax return on assets | 1.0070% | 2,981 |
| Return on Equity (ROE) | 6.4330% | 3,468 |
| Retained earnings to average equity (ytd only) | 6.4330% | 1,830 |
| Net charge-offs to loans | 0.7334% | 2,216 |
| Credit loss provision to net charge-offs | 72.7273% | 5,370 |
| Earnings coverage of net charge-offs (x) | 2.4800% | 3,825 |
| Efficiency ratio | 66.9734% | 5,368 |
| Assets per employee ($millions) | 3.5015% | 4,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9045% | 6,748 |
| Loan loss allowance to noncurrent loans | 39.3834% | 5,766 |
| Noncurrent assets plus other real estate owned to assets | 2.8691% | 2,234 |
| Noncurrent loans to loans | 2.2965% | 3,141 |
| Net loans and leases to total assets | 75.6556% | 2,266 |
| Net loans and leases to deposits | 97.6077% | 1,580 |
| Net loans and leases to core deposits | 126.0365% | 1,869 |
| Total domestic deposits to total assets | 77.5099% | 6,200 |
| Equity capital to assets | 11.0625% | 2,861 |
| Core capital (leverage) ratio | 10.9968% | 2,397 |
| Tier 1 risk-based capital ratio | 14.7091% | 3,142 |
| Total risk-based capital ratio | 15.6340% | 3,252 |
| Memoranda: | ||
| Average total assets | $98,312,330 | 5,208 |
| Average earning assets | $91,166,000 | 5,154 |
| Average equity | $10,632,670 | 5,182 |
| Average total loans | $74,989,670 | 4,774 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2014% | 1,599 |
| Cost of funding earning assets | 2.5517% | 1,733 |
| Net interest margin | 3.6497% | 4,104 |
| Noninterest income to average assets | 0.5688% | 3,766 |
| Noninterest expense to average assets | 2.6898% | 5,054 |
| Loan and lease loss provision to assets | 0.4063% | 2,889 |
| Net operating income to assets | 0.5898% | 4,055 |
| Return on assets (ROA) | 0.6095% | 4,171 |
| Pretax return on assets | 0.8776% | 3,802 |
| Return on Equity (ROE) | 5.7002% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.7002% | 2,779 |
| Net charge-offs to loans | 0.3890% | 2,542 |
| Credit loss provision to net charge-offs | 136.9863% | 2,962 |
| Earnings coverage of net charge-offs (x) | 4.2329% | 2,938 |
| Efficiency ratio | 68.1771% | 4,932 |
| Assets per employee ($millions) | 3.5025% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0388% | 5,873 |
| Loan loss allowance to noncurrent loans | 33.3476% | 6,312 |
| Noncurrent assets plus other real estate owned to assets | 3.9808% | 1,294 |
| Noncurrent loans to loans | 3.1151% | 2,078 |
| Net loans and leases to total assets | 75.6707% | 2,351 |
| Net loans and leases to deposits | 97.6473% | 1,710 |
| Net loans and leases to core deposits | 127.2785% | 1,837 |
| Total domestic deposits to total assets | 77.4939% | 6,149 |
| Equity capital to assets | 10.7341% | 3,254 |
| Core capital (leverage) ratio | 10.7919% | 2,660 |
| Tier 1 risk-based capital ratio | 14.3483% | 3,400 |
| Total risk-based capital ratio | 15.4054% | 3,428 |
| Memoranda: | ||
| Average total assets | $98,447,000 | 5,221 |
| Average earning assets | $91,076,500 | 5,184 |
| Average equity | $10,526,000 | 5,231 |
| Average total loans | $75,058,500 | 4,804 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9267% | 1,323 |
| Cost of funding earning assets | 3.0615% | 1,632 |
| Net interest margin | 3.8651% | 3,724 |
| Noninterest income to average assets | 0.4879% | 4,714 |
| Noninterest expense to average assets | 2.6824% | 5,332 |
| Loan and lease loss provision to assets | 0.3450% | 3,637 |
| Net operating income to assets | 0.7243% | 3,786 |
| Return on assets (ROA) | 0.7574% | 3,469 |
| Pretax return on assets | 1.0972% | 3,033 |
| Return on Equity (ROE) | 7.3307% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.3307% | 1,042 |
| Net charge-offs to loans | 0.4743% | 2,462 |
| Credit loss provision to net charge-offs | 99.4118% | 5,397 |
| Earnings coverage of net charge-offs (x) | 4.0176% | 4,145 |
| Efficiency ratio | 65.7987% | 5,166 |
| Assets per employee ($millions) | 3.2941% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0010% | 6,043 |
| Loan loss allowance to noncurrent loans | 40.4519% | 6,029 |
| Noncurrent assets plus other real estate owned to assets | 3.0033% | 1,527 |
| Noncurrent loans to loans | 2.4745% | 2,211 |
| Net loans and leases to total assets | 75.2608% | 2,816 |
| Net loans and leases to deposits | 96.7643% | 2,322 |
| Net loans and leases to core deposits | 125.8865% | 2,170 |
| Total domestic deposits to total assets | 77.7774% | 5,782 |
| Equity capital to assets | 10.6504% | 3,344 |
| Core capital (leverage) ratio | 10.5577% | 2,932 |
| Tier 1 risk-based capital ratio | 14.1688% | 3,469 |
| Total risk-based capital ratio | 15.1910% | 3,491 |
| Memoranda: | ||
| Average total assets | $97,973,000 | 5,117 |
| Average earning assets | $90,967,200 | 5,052 |
| Average equity | $10,121,800 | 5,368 |
| Average total loans | $71,686,400 | 4,805 |