Home > Keokuk Savings Bank and Trust Company > Performance and Condition Ratios
Keokuk Savings Bank and Trust Company, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5311% | 4,784 |
| Cost of funding earning assets | 0.2521% | 4,640 |
| Net interest margin | 3.2790% | 4,292 |
| Noninterest income to average assets | 1.8498% | 390 |
| Noninterest expense to average assets | 3.3734% | 1,425 |
| Loan and lease loss provision to assets | 0.0370% | 3,420 |
| Net operating income to assets | 1.1411% | 1,805 |
| Return on assets (ROA) | 1.1427% | 1,917 |
| Pretax return on assets | 1.2005% | 2,779 |
| Return on Equity (ROE) | 10.3581% | 1,902 |
| Retained earnings to average equity (ytd only) | 8.2312% | 1,098 |
| Net charge-offs to loans | 0.0067% | 3,455 |
| Credit loss provision to net charge-offs | 1,150.0000% | 334 |
| Earnings coverage of net charge-offs (x) | 384.5000% | 182 |
| Efficiency ratio | 70.1185% | 2,963 |
| Assets per employee ($millions) | 4.2592% | 3,450 |
| Cash dividends to net income (ytd only)* | 20.5345% | 3,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0331% | 6,001 |
| Loan loss allowance to noncurrent loans | 3.6842% | 5,505 |
| Noncurrent assets plus other real estate owned to assets | 0.4615% | 3,670 |
| Noncurrent loans to loans | 0.8987% | 2,483 |
| Net loans and leases to total assets | 51.3318% | 4,737 |
| Net loans and leases to deposits | 58.3186% | 4,884 |
| Net loans and leases to core deposits | 58.7891% | 5,039 |
| Total domestic deposits to total assets | 88.0196% | 1,424 |
| Equity capital to assets | 11.4704% | 2,573 |
| Core capital (leverage) ratio | 7.3769% | 5,902 |
| Tier 1 risk-based capital ratio | 12.3782% | 4,608 |
| Total risk-based capital ratio | 12.4075% | 5,252 |
| Memoranda: | ||
| Average total assets | $124,445,330 | 3,968 |
| Average earning assets | $104,728,000 | 4,153 |
| Average equity | $13,728,330 | 4,033 |
| Average total loans | $59,896,670 | 4,352 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4765% | 4,943 |
| Cost of funding earning assets | 0.2510% | 4,694 |
| Net interest margin | 3.2255% | 4,494 |
| Noninterest income to average assets | 1.7741% | 402 |
| Noninterest expense to average assets | 3.2888% | 1,633 |
| Loan and lease loss provision to assets | 0.0737% | 2,491 |
| Net operating income to assets | 1.0792% | 1,987 |
| Return on assets (ROA) | 1.0792% | 2,092 |
| Pretax return on assets | 1.1272% | 2,981 |
| Return on Equity (ROE) | 9.9789% | 1,989 |
| Retained earnings to average equity (ytd only) | 8.1726% | 1,387 |
| Net charge-offs to loans | -0.0069% | 4,388 |
| Credit loss provision to net charge-offs | -2,300.0000% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1141% | 3,102 |
| Assets per employee ($millions) | 4.4685% | 3,127 |
| Cash dividends to net income (ytd only)* | 18.1009% | 2,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0402% | 6,068 |
| Loan loss allowance to noncurrent loans | 3.5503% | 5,534 |
| Noncurrent assets plus other real estate owned to assets | 0.5403% | 3,449 |
| Noncurrent loans to loans | 1.1326% | 2,133 |
| Net loans and leases to total assets | 47.6834% | 4,992 |
| Net loans and leases to deposits | 54.0032% | 5,100 |
| Net loans and leases to core deposits | 54.2857% | 5,233 |
| Total domestic deposits to total assets | 88.2974% | 1,471 |
| Equity capital to assets | 11.0521% | 2,883 |
| Core capital (leverage) ratio | 7.0914% | 5,988 |
| Tier 1 risk-based capital ratio | 12.1524% | 4,811 |
| Total risk-based capital ratio | 12.1872% | 5,443 |
| Memoranda: | ||
| Average total assets | $124,909,000 | 3,994 |
| Average earning assets | $105,162,000 | 4,183 |
| Average equity | $13,508,500 | 4,078 |
| Average total loans | $58,132,500 | 4,434 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,180 |
| Cost of funding earning assets | 0.0000% | 6,168 |
| Net interest margin | 0.0000% | 6,180 |
| Noninterest income to average assets | 0.0000% | 6,104 |
| Noninterest expense to average assets | 0.0000% | 6,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0000% | 5,868 |
| Return on assets (ROA) | 0.0000% | 5,896 |
| Pretax return on assets | 0.0000% | 5,888 |
| Return on Equity (ROE) | 0.0000% | 5,896 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,503 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | NA | NA |
| Assets per employee ($millions) | 4.4536% | 3,117 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 1.0257% | 2,141 |
| Noncurrent loans to loans | 1.1824% | 1,993 |
| Net loans and leases to total assets | 45.3733% | 5,203 |
| Net loans and leases to deposits | 50.9298% | 5,341 |
| Net loans and leases to core deposits | 51.1948% | 5,444 |
| Total domestic deposits to total assets | 89.0899% | 1,073 |
| Equity capital to assets | 10.5765% | 3,280 |
| Core capital (leverage) ratio | 7.9789% | 5,847 |
| Tier 1 risk-based capital ratio | 13.4086% | 4,052 |
| Total risk-based capital ratio | 13.4086% | 4,757 |
| Memoranda: | ||
| Average total assets | $116,281,400 | 4,126 |
| Average earning assets | $100,649,600 | 4,271 |
| Average equity | $11,093,200 | 4,463 |
| Average total loans | $57,576,400 | 4,440 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2902% | 5,425 |
| Cost of funding earning assets | 0.2848% | 4,505 |
| Net interest margin | 3.0054% | 5,175 |
| Noninterest income to average assets | 2.2818% | 298 |
| Noninterest expense to average assets | 4.1595% | 554 |
| Loan and lease loss provision to assets | 0.0444% | 3,325 |
| Net operating income to assets | 0.6621% | 4,067 |
| Return on assets (ROA) | 0.6621% | 4,181 |
| Pretax return on assets | 0.6901% | 4,712 |
| Return on Equity (ROE) | 7.1526% | 3,542 |
| Retained earnings to average equity (ytd only) | 2.1067% | 4,829 |
| Net charge-offs to loans | 0.1314% | 1,822 |
| Credit loss provision to net charge-offs | 66.6667% | 2,822 |
| Earnings coverage of net charge-offs (x) | 11.0349% | 2,538 |
| Efficiency ratio | 82.7010% | 1,306 |
| Assets per employee ($millions) | 3.9813% | 3,909 |
| Cash dividends to net income (ytd only)* | 70.5468% | 1,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2572% | 3,326 |
| Loan loss allowance to noncurrent loans | 97.3298% | 3,732 |
| Noncurrent assets plus other real estate owned to assets | 1.2191% | 1,937 |
| Noncurrent loans to loans | 1.2917% | 1,982 |
| Net loans and leases to total assets | 51.3622% | 4,816 |
| Net loans and leases to deposits | 58.1775% | 4,990 |
| Net loans and leases to core deposits | 58.5152% | 5,160 |
| Total domestic deposits to total assets | 88.2853% | 1,405 |
| Equity capital to assets | 9.6228% | 4,608 |
| Core capital (leverage) ratio | 8.1770% | 5,793 |
| Tier 1 risk-based capital ratio | 14.1305% | 3,778 |
| Total risk-based capital ratio | 15.2651% | 3,782 |
| Memoranda: | ||
| Average total assets | $114,176,500 | 4,216 |
| Average earning assets | $99,242,500 | 4,357 |
| Average equity | $10,569,250 | 4,608 |
| Average total loans | $57,825,250 | 4,477 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2416% | 5,552 |
| Cost of funding earning assets | 0.2881% | 4,525 |
| Net interest margin | 2.9535% | 5,330 |
| Noninterest income to average assets | 2.3289% | 299 |
| Noninterest expense to average assets | 4.1885% | 553 |
| Loan and lease loss provision to assets | 0.0382% | 3,352 |
| Net operating income to assets | 0.6413% | 4,164 |
| Return on assets (ROA) | 0.6413% | 4,273 |
| Pretax return on assets | 0.6674% | 4,766 |
| Return on Equity (ROE) | 7.0174% | 3,594 |
| Retained earnings to average equity (ytd only) | 2.7385% | 4,314 |
| Net charge-offs to loans | 0.0519% | 2,681 |
| Credit loss provision to net charge-offs | 146.6667% | 1,560 |
| Earnings coverage of net charge-offs (x) | 27.0667% | 1,460 |
| Efficiency ratio | 83.3097% | 1,340 |
| Assets per employee ($millions) | 3.8894% | 4,094 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3284% | 3,088 |
| Loan loss allowance to noncurrent loans | 110.0437% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.4004% | 1,790 |
| Noncurrent loans to loans | 1.2071% | 2,242 |
| Net loans and leases to total assets | 48.1274% | 5,094 |
| Net loans and leases to deposits | 53.6900% | 5,276 |
| Net loans and leases to core deposits | 53.9832% | 5,419 |
| Total domestic deposits to total assets | 89.6394% | 820 |
| Equity capital to assets | 8.9337% | 5,297 |
| Core capital (leverage) ratio | 7.7853% | 6,020 |
| Tier 1 risk-based capital ratio | 13.8207% | 4,026 |
| Total risk-based capital ratio | 14.9761% | 4,022 |
| Memoranda: | ||
| Average total assets | $115,077,000 | 4,233 |
| Average earning assets | $99,950,000 | 4,371 |
| Average equity | $10,516,670 | 4,649 |
| Average total loans | $57,772,000 | 4,516 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2392% | 5,579 |
| Cost of funding earning assets | 0.2901% | 4,551 |
| Net interest margin | 2.9491% | 5,345 |
| Noninterest income to average assets | 2.6253% | 253 |
| Noninterest expense to average assets | 4.0114% | 683 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1236% | 1,781 |
| Return on assets (ROA) | 1.1236% | 1,887 |
| Pretax return on assets | 1.1761% | 2,754 |
| Return on Equity (ROE) | 12.1556% | 1,304 |
| Retained earnings to average equity (ytd only) | 8.9369% | 1,221 |
| Net charge-offs to loans | 0.1168% | 1,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 19.7647% | 1,436 |
| Efficiency ratio | 75.1687% | 2,637 |
| Assets per employee ($millions) | 3.7162% | 4,484 |
| Cash dividends to net income (ytd only)* | 26.4798% | 2,417 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 3,570 |
| Loan loss allowance to noncurrent loans | 356.5854% | 1,350 |
| Noncurrent assets plus other real estate owned to assets | 1.1580% | 2,316 |
| Noncurrent loans to loans | 0.3567% | 4,528 |
| Net loans and leases to total assets | 49.2548% | 4,919 |
| Net loans and leases to deposits | 55.1311% | 5,112 |
| Net loans and leases to core deposits | 55.4370% | 5,285 |
| Total domestic deposits to total assets | 89.3412% | 1,074 |
| Equity capital to assets | 9.3011% | 4,965 |
| Core capital (leverage) ratio | 7.9624% | 5,962 |
| Tier 1 risk-based capital ratio | 13.7268% | 4,200 |
| Total risk-based capital ratio | 14.8263% | 4,203 |
| Memoranda: | ||
| Average total assets | $114,274,500 | 4,284 |
| Average earning assets | $99,285,000 | 4,418 |
| Average equity | $10,563,000 | 4,685 |
| Average total loans | $58,202,000 | 4,536 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3528% | 5,619 |
| Cost of funding earning assets | 0.3251% | 4,535 |
| Net interest margin | 3.0277% | 5,385 |
| Noninterest income to average assets | 2.3907% | 254 |
| Noninterest expense to average assets | 4.1560% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8180% | 3,290 |
| Return on assets (ROA) | 0.8265% | 3,339 |
| Pretax return on assets | 0.8607% | 4,034 |
| Return on Equity (ROE) | 9.0221% | 2,569 |
| Retained earnings to average equity (ytd only) | 3.3749% | 3,809 |
| Net charge-offs to loans | -0.0166% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7436% | 1,813 |
| Assets per employee ($millions) | 3.6564% | 4,617 |
| Cash dividends to net income (ytd only)* | 62.5930% | 1,624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2693% | 3,600 |
| Loan loss allowance to noncurrent loans | 234.4828% | 1,992 |
| Noncurrent assets plus other real estate owned to assets | 1.2051% | 2,369 |
| Noncurrent loans to loans | 0.5413% | 4,038 |
| Net loans and leases to total assets | 51.3313% | 4,850 |
| Net loans and leases to deposits | 57.4465% | 5,098 |
| Net loans and leases to core deposits | 57.7705% | 5,271 |
| Total domestic deposits to total assets | 89.3549% | 1,045 |
| Equity capital to assets | 9.1850% | 5,092 |
| Core capital (leverage) ratio | 7.4613% | 6,215 |
| Tier 1 risk-based capital ratio | 12.5054% | 5,036 |
| Total risk-based capital ratio | 13.6118% | 5,040 |
| Memoranda: | ||
| Average total assets | $113,858,800 | 4,306 |
| Average earning assets | $98,424,600 | 4,441 |
| Average equity | $10,430,000 | 4,670 |
| Average total loans | $60,092,600 | 4,487 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3320% | 5,706 |
| Cost of funding earning assets | 0.3306% | 4,551 |
| Net interest margin | 3.0014% | 5,502 |
| Noninterest income to average assets | 2.5722% | 232 |
| Noninterest expense to average assets | 4.1197% | 668 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0095% | 2,415 |
| Return on assets (ROA) | 1.0095% | 2,474 |
| Pretax return on assets | 1.0539% | 3,365 |
| Return on Equity (ROE) | 11.0270% | 1,781 |
| Retained earnings to average equity (ytd only) | 4.9066% | 3,150 |
| Net charge-offs to loans | -0.0287% | 5,724 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4587% | 2,274 |
| Assets per employee ($millions) | 3.8232% | 4,237 |
| Cash dividends to net income (ytd only)* | 55.5039% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 4,082 |
| Loan loss allowance to noncurrent loans | 282.7068% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 1.1509% | 2,647 |
| Noncurrent loans to loans | 0.4345% | 4,598 |
| Net loans and leases to total assets | 52.7216% | 4,730 |
| Net loans and leases to deposits | 58.8999% | 5,022 |
| Net loans and leases to core deposits | 59.2241% | 5,247 |
| Total domestic deposits to total assets | 89.5104% | 976 |
| Equity capital to assets | 9.1033% | 5,250 |
| Core capital (leverage) ratio | 7.6490% | 6,231 |
| Tier 1 risk-based capital ratio | 12.1693% | 5,390 |
| Total risk-based capital ratio | 13.2518% | 5,402 |
| Memoranda: | ||
| Average total assets | $113,986,500 | 4,332 |
| Average earning assets | $98,796,500 | 4,472 |
| Average equity | $10,434,750 | 4,701 |
| Average total loans | $60,383,000 | 4,518 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3397% | 5,734 |
| Cost of funding earning assets | 0.3437% | 4,499 |
| Net interest margin | 2.9960% | 5,540 |
| Noninterest income to average assets | 2.8694% | 197 |
| Noninterest expense to average assets | 4.2250% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1780% | 1,662 |
| Return on assets (ROA) | 1.1780% | 1,732 |
| Pretax return on assets | 1.2343% | 2,525 |
| Return on Equity (ROE) | 12.8443% | 1,220 |
| Retained earnings to average equity (ytd only) | 9.3169% | 881 |
| Net charge-offs to loans | -0.0433% | 5,811 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3301% | 2,749 |
| Assets per employee ($millions) | 3.7439% | 4,360 |
| Cash dividends to net income (ytd only)* | 27.4627% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 3,957 |
| Loan loss allowance to noncurrent loans | 408.6957% | 1,127 |
| Noncurrent assets plus other real estate owned to assets | 1.0796% | 2,903 |
| Noncurrent loans to loans | 0.3136% | 5,074 |
| Net loans and leases to total assets | 49.9078% | 4,970 |
| Net loans and leases to deposits | 55.8682% | 5,197 |
| Net loans and leases to core deposits | 56.1727% | 5,400 |
| Total domestic deposits to total assets | 89.3314% | 1,192 |
| Equity capital to assets | 9.2133% | 5,091 |
| Core capital (leverage) ratio | 7.5568% | 6,297 |
| Tier 1 risk-based capital ratio | 12.5235% | 5,216 |
| Total risk-based capital ratio | 13.6283% | 5,235 |
| Memoranda: | ||
| Average total assets | $113,750,330 | 4,368 |
| Average earning assets | $98,331,000 | 4,518 |
| Average equity | $10,432,670 | 4,722 |
| Average total loans | $60,103,670 | 4,548 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3332% | 5,786 |
| Cost of funding earning assets | 0.3481% | 4,556 |
| Net interest margin | 2.9851% | 5,558 |
| Noninterest income to average assets | 3.6485% | 154 |
| Noninterest expense to average assets | 4.1067% | 678 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0356% | 320 |
| Return on assets (ROA) | 2.0356% | 332 |
| Pretax return on assets | 2.1315% | 405 |
| Return on Equity (ROE) | 22.2470% | 187 |
| Retained earnings to average equity (ytd only) | 18.7527% | 155 |
| Net charge-offs to loans | -0.0197% | 5,347 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0091% | 4,854 |
| Assets per employee ($millions) | 3.8083% | 4,304 |
| Cash dividends to net income (ytd only)* | 15.7068% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2233% | 4,532 |
| Loan loss allowance to noncurrent loans | 734.6535% | 681 |
| Noncurrent assets plus other real estate owned to assets | 1.2376% | 2,783 |
| Noncurrent loans to loans | 0.1665% | 5,585 |
| Net loans and leases to total assets | 52.4433% | 4,624 |
| Net loans and leases to deposits | 58.7343% | 4,869 |
| Net loans and leases to core deposits | 59.0591% | 5,117 |
| Total domestic deposits to total assets | 89.2892% | 1,477 |
| Equity capital to assets | 9.2351% | 4,834 |
| Core capital (leverage) ratio | 7.6256% | 6,297 |
| Tier 1 risk-based capital ratio | 12.1650% | 5,533 |
| Total risk-based capital ratio | 13.2283% | 5,589 |
| Memoranda: | ||
| Average total assets | $112,595,500 | 4,433 |
| Average earning assets | $97,685,000 | 4,578 |
| Average equity | $10,302,500 | 4,764 |
| Average total loans | $60,818,000 | 4,556 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5132% | 5,617 |
| Cost of funding earning assets | 0.4042% | 4,601 |
| Net interest margin | 3.1090% | 5,284 |
| Noninterest income to average assets | 2.2503% | 334 |
| Noninterest expense to average assets | 4.3153% | 620 |
| Loan and lease loss provision to assets | 0.0813% | 3,487 |
| Net operating income to assets | 0.5106% | 4,688 |
| Return on assets (ROA) | 0.5106% | 4,821 |
| Pretax return on assets | 0.5296% | 5,104 |
| Return on Equity (ROE) | 5.5450% | 4,364 |
| Retained earnings to average equity (ytd only) | 0.5888% | 5,573 |
| Net charge-offs to loans | 0.1151% | 3,659 |
| Credit loss provision to net charge-offs | 138.4615% | 1,682 |
| Earnings coverage of net charge-offs (x) | 10.4000% | 2,374 |
| Efficiency ratio | 85.5072% | 1,468 |
| Assets per employee ($millions) | 3.5788% | 4,737 |
| Cash dividends to net income (ytd only)* | 89.3805% | 657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 4,600 |
| Loan loss allowance to noncurrent loans | 648.2456% | 755 |
| Noncurrent assets plus other real estate owned to assets | 1.3070% | 2,806 |
| Noncurrent loans to loans | 0.1870% | 5,638 |
| Net loans and leases to total assets | 54.2977% | 4,549 |
| Net loans and leases to deposits | 60.7996% | 4,859 |
| Net loans and leases to core deposits | 61.1458% | 5,137 |
| Total domestic deposits to total assets | 89.3061% | 1,427 |
| Equity capital to assets | 9.0624% | 4,956 |
| Core capital (leverage) ratio | 7.2428% | 6,463 |
| Tier 1 risk-based capital ratio | 11.4765% | 5,917 |
| Total risk-based capital ratio | 12.5401% | 5,970 |
| Memoranda: | ||
| Average total assets | $110,653,200 | 4,485 |
| Average earning assets | $95,240,600 | 4,647 |
| Average equity | $10,189,400 | 4,798 |
| Average total loans | $56,451,400 | 4,734 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5039% | 5,679 |
| Cost of funding earning assets | 0.4127% | 4,700 |
| Net interest margin | 3.0912% | 5,342 |
| Noninterest income to average assets | 2.3005% | 338 |
| Noninterest expense to average assets | 4.0573% | 801 |
| Loan and lease loss provision to assets | 0.1085% | 2,953 |
| Net operating income to assets | 0.7596% | 3,561 |
| Return on assets (ROA) | 0.7596% | 3,691 |
| Pretax return on assets | 0.7897% | 4,331 |
| Return on Equity (ROE) | 8.2164% | 3,016 |
| Retained earnings to average equity (ytd only) | 2.9996% | 4,530 |
| Net charge-offs to loans | 0.2097% | 2,570 |
| Credit loss provision to net charge-offs | 103.4483% | 2,266 |
| Earnings coverage of net charge-offs (x) | 8.5630% | 2,607 |
| Efficiency ratio | 79.8783% | 2,116 |
| Assets per employee ($millions) | 3.4107% | 5,042 |
| Cash dividends to net income (ytd only)* | 63.4920% | 1,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 4,510 |
| Loan loss allowance to noncurrent loans | 414.4509% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 1.4825% | 2,708 |
| Noncurrent loans to loans | 0.3084% | 5,455 |
| Net loans and leases to total assets | 50.7412% | 5,040 |
| Net loans and leases to deposits | 57.1676% | 5,265 |
| Net loans and leases to core deposits | 57.4970% | 5,486 |
| Total domestic deposits to total assets | 88.7587% | 1,688 |
| Equity capital to assets | 9.3484% | 4,744 |
| Core capital (leverage) ratio | 7.3025% | 6,511 |
| Tier 1 risk-based capital ratio | 12.3316% | 5,552 |
| Total risk-based capital ratio | 13.4208% | 5,607 |
| Memoranda: | ||
| Average total assets | $110,581,000 | 4,525 |
| Average earning assets | $94,976,750 | 4,692 |
| Average equity | $10,223,250 | 4,842 |
| Average total loans | $55,319,750 | 4,814 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4782% | 5,738 |
| Cost of funding earning assets | 0.4251% | 4,707 |
| Net interest margin | 3.0531% | 5,422 |
| Noninterest income to average assets | 2.4419% | 331 |
| Noninterest expense to average assets | 4.0374% | 832 |
| Loan and lease loss provision to assets | 0.1621% | 2,301 |
| Net operating income to assets | 0.8446% | 3,076 |
| Return on assets (ROA) | 0.8446% | 3,225 |
| Pretax return on assets | 0.8806% | 3,979 |
| Return on Equity (ROE) | 9.1691% | 2,548 |
| Retained earnings to average equity (ytd only) | 3.2063% | 4,272 |
| Net charge-offs to loans | 0.1344% | 3,029 |
| Credit loss provision to net charge-offs | 243.2432% | 1,036 |
| Earnings coverage of net charge-offs (x) | 15.6486% | 1,722 |
| Efficiency ratio | 77.6320% | 2,521 |
| Assets per employee ($millions) | 3.3008% | 5,260 |
| Cash dividends to net income (ytd only)* | 65.0320% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 3,935 |
| Loan loss allowance to noncurrent loans | 401.5707% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 1.5485% | 2,785 |
| Noncurrent loans to loans | 0.3542% | 5,395 |
| Net loans and leases to total assets | 46.0140% | 5,529 |
| Net loans and leases to deposits | 51.2060% | 5,756 |
| Net loans and leases to core deposits | 51.4817% | 5,925 |
| Total domestic deposits to total assets | 89.8605% | 1,112 |
| Equity capital to assets | 8.6152% | 5,651 |
| Core capital (leverage) ratio | 7.4877% | 6,459 |
| Tier 1 risk-based capital ratio | 12.7028% | 5,352 |
| Total risk-based capital ratio | 13.8681% | 5,356 |
| Memoranda: | ||
| Average total assets | $111,060,670 | 4,555 |
| Average earning assets | $95,968,670 | 4,700 |
| Average equity | $10,230,000 | 4,887 |
| Average total loans | $55,060,670 | 4,855 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 5,595 |
| Cost of funding earning assets | 0.4461% | 4,635 |
| Net interest margin | 3.0972% | 5,271 |
| Noninterest income to average assets | 2.9000% | 264 |
| Noninterest expense to average assets | 3.8961% | 1,002 |
| Loan and lease loss provision to assets | 0.1654% | 2,213 |
| Net operating income to assets | 1.4482% | 961 |
| Return on assets (ROA) | 1.4482% | 1,041 |
| Pretax return on assets | 1.5180% | 1,519 |
| Return on Equity (ROE) | 15.1999% | 722 |
| Retained earnings to average equity (ytd only) | 6.9055% | 2,198 |
| Net charge-offs to loans | -0.1007% | 6,449 |
| Credit loss provision to net charge-offs | -321.4286% | 5,369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1159% | 4,286 |
| Assets per employee ($millions) | 3.2929% | 5,446 |
| Cash dividends to net income (ytd only)* | 54.5685% | 1,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 4,097 |
| Loan loss allowance to noncurrent loans | 111.8669% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 2.3016% | 2,021 |
| Noncurrent loans to loans | 1.2766% | 3,640 |
| Net loans and leases to total assets | 49.0995% | 5,101 |
| Net loans and leases to deposits | 55.2742% | 5,324 |
| Net loans and leases to core deposits | 55.4212% | 5,566 |
| Total domestic deposits to total assets | 88.8290% | 1,777 |
| Equity capital to assets | 9.6268% | 4,670 |
| Core capital (leverage) ratio | 7.5221% | 6,460 |
| Tier 1 risk-based capital ratio | 12.8333% | 5,354 |
| Total risk-based capital ratio | 14.0212% | 5,330 |
| Memoranda: | ||
| Average total assets | $108,827,000 | 4,638 |
| Average earning assets | $94,149,500 | 4,797 |
| Average equity | $10,368,500 | 4,916 |
| Average total loans | $55,628,000 | 4,870 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9359% | 5,477 |
| Cost of funding earning assets | 0.5199% | 5,071 |
| Net interest margin | 3.4160% | 4,829 |
| Noninterest income to average assets | 1.9936% | 438 |
| Noninterest expense to average assets | 4.2243% | 749 |
| Loan and lease loss provision to assets | 0.5971% | 925 |
| Net operating income to assets | 0.1313% | 5,937 |
| Return on assets (ROA) | 0.1313% | 6,088 |
| Pretax return on assets | 0.1313% | 6,100 |
| Return on Equity (ROE) | 1.3251% | 6,057 |
| Retained earnings to average equity (ytd only) | -7.5547% | 6,553 |
| Net charge-offs to loans | 1.5059% | 591 |
| Credit loss provision to net charge-offs | 78.0691% | 3,886 |
| Earnings coverage of net charge-offs (x) | 0.9523% | 4,992 |
| Efficiency ratio | 83.3609% | 1,703 |
| Assets per employee ($millions) | 3.3027% | 5,419 |
| Cash dividends to net income (ytd only)* | 670.1389% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2498% | 4,874 |
| Loan loss allowance to noncurrent loans | 116.4763% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 2.3351% | 2,101 |
| Noncurrent loans to loans | 1.0730% | 4,057 |
| Net loans and leases to total assets | 51.7621% | 4,962 |
| Net loans and leases to deposits | 58.2944% | 5,208 |
| Net loans and leases to core deposits | 58.6099% | 5,489 |
| Total domestic deposits to total assets | 88.7943% | 1,705 |
| Equity capital to assets | 9.4285% | 4,965 |
| Core capital (leverage) ratio | 8.0089% | 6,184 |
| Tier 1 risk-based capital ratio | 12.4087% | 5,537 |
| Total risk-based capital ratio | 13.4970% | 5,588 |
| Memoranda: | ||
| Average total assets | $109,699,000 | 4,596 |
| Average earning assets | $95,022,400 | 4,727 |
| Average equity | $10,867,400 | 4,788 |
| Average total loans | $55,713,600 | 4,877 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0013% | 5,516 |
| Cost of funding earning assets | 0.5350% | 5,214 |
| Net interest margin | 3.4663% | 4,776 |
| Noninterest income to average assets | 1.9986% | 422 |
| Noninterest expense to average assets | 4.1500% | 773 |
| Loan and lease loss provision to assets | 0.1638% | 3,472 |
| Net operating income to assets | 0.6589% | 4,096 |
| Return on assets (ROA) | 0.6589% | 4,363 |
| Pretax return on assets | 0.6880% | 4,900 |
| Return on Equity (ROE) | 6.5725% | 4,030 |
| Retained earnings to average equity (ytd only) | -2.6871% | 6,457 |
| Net charge-offs to loans | 1.0308% | 1,025 |
| Credit loss provision to net charge-offs | 31.5421% | 4,776 |
| Earnings coverage of net charge-offs (x) | 1.6402% | 4,459 |
| Efficiency ratio | 81.0771% | 1,923 |
| Assets per employee ($millions) | 3.2945% | 5,449 |
| Cash dividends to net income (ytd only)* | 140.8837% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 5,659 |
| Loan loss allowance to noncurrent loans | 116.5703% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 2.3740% | 2,239 |
| Noncurrent loans to loans | 0.9563% | 4,521 |
| Net loans and leases to total assets | 49.3607% | 5,392 |
| Net loans and leases to deposits | 56.6158% | 5,578 |
| Net loans and leases to core deposits | 56.7745% | 5,828 |
| Total domestic deposits to total assets | 87.1854% | 2,566 |
| Equity capital to assets | 10.1536% | 4,271 |
| Core capital (leverage) ratio | 8.6251% | 5,590 |
| Tier 1 risk-based capital ratio | 13.5812% | 4,834 |
| Total risk-based capital ratio | 14.5242% | 5,005 |
| Memoranda: | ||
| Average total assets | $109,876,500 | 4,642 |
| Average earning assets | $95,199,750 | 4,764 |
| Average equity | $11,015,250 | 4,803 |
| Average total loans | $55,359,750 | 4,940 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 5,570 |
| Cost of funding earning assets | 0.5714% | 5,136 |
| Net interest margin | 3.4536% | 4,866 |
| Noninterest income to average assets | 2.0134% | 400 |
| Noninterest expense to average assets | 4.1410% | 789 |
| Loan and lease loss provision to assets | 0.2449% | 2,613 |
| Net operating income to assets | 0.6076% | 4,338 |
| Return on assets (ROA) | 0.6076% | 4,589 |
| Pretax return on assets | 0.6312% | 5,019 |
| Return on Equity (ROE) | 6.0869% | 4,283 |
| Retained earnings to average equity (ytd only) | -4.1790% | 6,563 |
| Net charge-offs to loans | 0.0574% | 4,609 |
| Credit loss provision to net charge-offs | 843.7500% | 380 |
| Earnings coverage of net charge-offs (x) | 30.1875% | 1,065 |
| Efficiency ratio | 80.6580% | 2,079 |
| Assets per employee ($millions) | 3.2712% | 5,512 |
| Cash dividends to net income (ytd only)* | 168.6567% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9112% | 2,519 |
| Loan loss allowance to noncurrent loans | 117.9814% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 2.5766% | 2,162 |
| Noncurrent loans to loans | 1.6199% | 3,479 |
| Net loans and leases to total assets | 45.5892% | 5,856 |
| Net loans and leases to deposits | 51.4029% | 6,068 |
| Net loans and leases to core deposits | 51.7833% | 6,252 |
| Total domestic deposits to total assets | 88.6900% | 1,714 |
| Equity capital to assets | 9.4854% | 5,088 |
| Core capital (leverage) ratio | 7.9480% | 6,324 |
| Tier 1 risk-based capital ratio | 13.5544% | 4,780 |
| Total risk-based capital ratio | 14.8085% | 4,742 |
| Memoranda: | ||
| Average total assets | $110,262,000 | 4,658 |
| Average earning assets | $95,899,000 | 4,772 |
| Average equity | $11,007,330 | 4,809 |
| Average total loans | $55,723,000 | 4,961 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1517% | 5,273 |
| Cost of funding earning assets | 0.5979% | 5,150 |
| Net interest margin | 3.5538% | 4,471 |
| Noninterest income to average assets | 1.9973% | 412 |
| Noninterest expense to average assets | 4.1462% | 788 |
| Loan and lease loss provision to assets | 0.4993% | 1,219 |
| Net operating income to assets | 0.4512% | 5,031 |
| Return on assets (ROA) | 0.4512% | 5,222 |
| Pretax return on assets | 0.4734% | 5,513 |
| Return on Equity (ROE) | 4.4039% | 5,093 |
| Retained earnings to average equity (ytd only) | -8.7718% | 6,805 |
| Net charge-offs to loans | 0.0491% | 4,014 |
| Credit loss provision to net charge-offs | 1,928.5714% | 173 |
| Earnings coverage of net charge-offs (x) | 37.5714% | 786 |
| Efficiency ratio | 79.1185% | 2,327 |
| Assets per employee ($millions) | 3.3177% | 5,519 |
| Cash dividends to net income (ytd only)* | 299.1803% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8241% | 2,912 |
| Loan loss allowance to noncurrent loans | 116.5909% | 2,683 |
| Noncurrent assets plus other real estate owned to assets | 2.9493% | 1,962 |
| Noncurrent loans to loans | 1.5645% | 3,767 |
| Net loans and leases to total assets | 50.4380% | 5,246 |
| Net loans and leases to deposits | 57.2255% | 5,466 |
| Net loans and leases to core deposits | 57.8326% | 5,722 |
| Total domestic deposits to total assets | 88.1390% | 2,223 |
| Equity capital to assets | 10.0169% | 4,106 |
| Core capital (leverage) ratio | 7.9936% | 6,268 |
| Tier 1 risk-based capital ratio | 13.1936% | 5,073 |
| Total risk-based capital ratio | 14.4232% | 5,052 |
| Memoranda: | ||
| Average total assets | $108,147,000 | 4,750 |
| Average earning assets | $94,998,000 | 4,819 |
| Average equity | $11,081,000 | 4,807 |
| Average total loans | $56,978,000 | 4,944 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5864% | 4,726 |
| Cost of funding earning assets | 0.7202% | 5,405 |
| Net interest margin | 3.8662% | 3,486 |
| Noninterest income to average assets | 2.1141% | 341 |
| Noninterest expense to average assets | 4.3704% | 675 |
| Loan and lease loss provision to assets | 0.1279% | 5,014 |
| Net operating income to assets | 0.9410% | 2,447 |
| Return on assets (ROA) | 0.9410% | 2,573 |
| Pretax return on assets | 0.9836% | 3,301 |
| Return on Equity (ROE) | 8.8479% | 2,520 |
| Retained earnings to average equity (ytd only) | 0.6950% | 5,522 |
| Net charge-offs to loans | 0.0298% | 6,028 |
| Credit loss provision to net charge-offs | 750.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 65.1667% | 456 |
| Efficiency ratio | 77.9257% | 2,598 |
| Assets per employee ($millions) | 2.9669% | 6,165 |
| Cash dividends to net income (ytd only)* | 92.1450% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5561% | 3,772 |
| Loan loss allowance to noncurrent loans | 146.0163% | 2,181 |
| Noncurrent assets plus other real estate owned to assets | 2.8977% | 2,083 |
| Noncurrent loans to loans | 1.0657% | 4,577 |
| Net loans and leases to total assets | 53.1884% | 5,141 |
| Net loans and leases to deposits | 60.8322% | 5,389 |
| Net loans and leases to core deposits | 61.3201% | 5,722 |
| Total domestic deposits to total assets | 87.4346% | 2,506 |
| Equity capital to assets | 10.4813% | 3,556 |
| Core capital (leverage) ratio | 8.3925% | 5,726 |
| Tier 1 risk-based capital ratio | 12.8409% | 5,205 |
| Total risk-based capital ratio | 14.0921% | 5,181 |
| Memoranda: | ||
| Average total assets | $105,528,800 | 4,745 |
| Average earning assets | $91,924,000 | 4,859 |
| Average equity | $11,223,000 | 4,734 |
| Average total loans | $60,450,600 | 4,849 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6108% | 4,827 |
| Cost of funding earning assets | 0.7459% | 5,489 |
| Net interest margin | 3.8649% | 3,548 |
| Noninterest income to average assets | 2.1709% | 340 |
| Noninterest expense to average assets | 4.3417% | 683 |
| Loan and lease loss provision to assets | 0.1711% | 4,325 |
| Net operating income to assets | 0.9784% | 2,403 |
| Return on assets (ROA) | 0.9784% | 2,563 |
| Pretax return on assets | 1.0202% | 3,328 |
| Return on Equity (ROE) | 9.1657% | 2,521 |
| Retained earnings to average equity (ytd only) | 2.2202% | 5,015 |
| Net charge-offs to loans | 0.0305% | 5,716 |
| Credit loss provision to net charge-offs | 964.2857% | 276 |
| Earnings coverage of net charge-offs (x) | 67.1291% | 488 |
| Efficiency ratio | 76.6835% | 2,725 |
| Assets per employee ($millions) | 2.9147% | 6,287 |
| Cash dividends to net income (ytd only)* | 75.7770% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 4,054 |
| Loan loss allowance to noncurrent loans | 78.9151% | 3,606 |
| Noncurrent assets plus other real estate owned to assets | 3.5310% | 1,783 |
| Noncurrent loans to loans | 1.9120% | 3,484 |
| Net loans and leases to total assets | 56.1128% | 4,819 |
| Net loans and leases to deposits | 65.7267% | 4,945 |
| Net loans and leases to core deposits | 66.5123% | 5,363 |
| Total domestic deposits to total assets | 85.3728% | 3,568 |
| Equity capital to assets | 10.8798% | 3,262 |
| Core capital (leverage) ratio | 8.4067% | 5,841 |
| Tier 1 risk-based capital ratio | 12.7990% | 5,249 |
| Total risk-based capital ratio | 14.0389% | 5,244 |
| Memoranda: | ||
| Average total assets | $105,208,750 | 4,784 |
| Average earning assets | $91,521,750 | 4,910 |
| Average equity | $11,230,000 | 4,752 |
| Average total loans | $61,136,250 | 4,865 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 5,037 |
| Cost of funding earning assets | 0.7731% | 5,545 |
| Net interest margin | 3.8111% | 3,724 |
| Noninterest income to average assets | 2.2678% | 309 |
| Noninterest expense to average assets | 4.2677% | 774 |
| Loan and lease loss provision to assets | 0.1709% | 4,224 |
| Net operating income to assets | 1.0940% | 1,889 |
| Return on assets (ROA) | 1.0940% | 1,980 |
| Pretax return on assets | 1.1434% | 2,690 |
| Return on Equity (ROE) | 10.3152% | 2,007 |
| Retained earnings to average equity (ytd only) | 2.9728% | 4,391 |
| Net charge-offs to loans | 0.0455% | 5,217 |
| Credit loss provision to net charge-offs | 642.8571% | 488 |
| Earnings coverage of net charge-offs (x) | 49.4286% | 631 |
| Efficiency ratio | 74.6853% | 3,244 |
| Assets per employee ($millions) | 2.9580% | 6,173 |
| Cash dividends to net income (ytd only)* | 71.1806% | 1,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4216% | 4,475 |
| Loan loss allowance to noncurrent loans | 76.8610% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 3.3423% | 1,976 |
| Noncurrent loans to loans | 1.8496% | 3,680 |
| Net loans and leases to total assets | 54.2971% | 5,249 |
| Net loans and leases to deposits | 61.9944% | 5,505 |
| Net loans and leases to core deposits | 62.3692% | 5,870 |
| Total domestic deposits to total assets | 87.5838% | 2,422 |
| Equity capital to assets | 10.4042% | 3,632 |
| Core capital (leverage) ratio | 8.1012% | 6,165 |
| Tier 1 risk-based capital ratio | 12.1760% | 5,638 |
| Total risk-based capital ratio | 13.3494% | 5,678 |
| Memoranda: | ||
| Average total assets | $105,302,330 | 4,818 |
| Average earning assets | $91,574,670 | 4,947 |
| Average equity | $11,168,000 | 4,769 |
| Average total loans | $61,588,330 | 4,885 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 4,447 |
| Cost of funding earning assets | 0.7959% | 5,593 |
| Net interest margin | 3.9213% | 3,039 |
| Noninterest income to average assets | 2.4838% | 269 |
| Noninterest expense to average assets | 4.3088% | 719 |
| Loan and lease loss provision to assets | 0.1744% | 3,877 |
| Net operating income to assets | 1.3368% | 1,181 |
| Return on assets (ROA) | 1.3368% | 1,230 |
| Pretax return on assets | 1.3988% | 1,727 |
| Return on Equity (ROE) | 12.4791% | 1,331 |
| Retained earnings to average equity (ytd only) | 6.1491% | 2,547 |
| Net charge-offs to loans | 0.0964% | 3,981 |
| Credit loss provision to net charge-offs | 300.0000% | 1,062 |
| Earnings coverage of net charge-offs (x) | 27.0667% | 911 |
| Efficiency ratio | 71.5415% | 3,953 |
| Assets per employee ($millions) | 2.8394% | 6,459 |
| Cash dividends to net income (ytd only)* | 50.7246% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3437% | 4,924 |
| Loan loss allowance to noncurrent loans | 70.7934% | 3,882 |
| Noncurrent assets plus other real estate owned to assets | 3.5524% | 1,915 |
| Noncurrent loans to loans | 1.8980% | 3,703 |
| Net loans and leases to total assets | 56.7507% | 4,859 |
| Net loans and leases to deposits | 65.0419% | 5,124 |
| Net loans and leases to core deposits | 65.4525% | 5,572 |
| Total domestic deposits to total assets | 87.2525% | 2,797 |
| Equity capital to assets | 10.5943% | 3,086 |
| Core capital (leverage) ratio | 8.5630% | 5,327 |
| Tier 1 risk-based capital ratio | 12.3418% | 5,404 |
| Total risk-based capital ratio | 13.4713% | 5,499 |
| Memoranda: | ||
| Average total assets | $103,230,500 | 4,912 |
| Average earning assets | $89,459,000 | 5,041 |
| Average equity | $11,058,500 | 4,787 |
| Average total loans | $62,241,000 | 4,893 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1340% | 3,937 |
| Cost of funding earning assets | 0.9573% | 5,899 |
| Net interest margin | 4.1767% | 2,270 |
| Noninterest income to average assets | 2.1778% | 345 |
| Noninterest expense to average assets | 4.5687% | 608 |
| Loan and lease loss provision to assets | 0.1744% | 5,479 |
| Net operating income to assets | 1.0066% | 2,020 |
| Return on assets (ROA) | 1.0066% | 2,124 |
| Pretax return on assets | 1.0443% | 2,794 |
| Return on Equity (ROE) | 9.4234% | 2,138 |
| Retained earnings to average equity (ytd only) | 1.5328% | 4,770 |
| Net charge-offs to loans | 0.0143% | 6,684 |
| Credit loss provision to net charge-offs | 2,000.0000% | 112 |
| Earnings coverage of net charge-offs (x) | 139.7778% | 178 |
| Efficiency ratio | 77.1845% | 2,842 |
| Assets per employee ($millions) | 2.7407% | 6,622 |
| Cash dividends to net income (ytd only)* | 83.7344% | 737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 5,410 |
| Loan loss allowance to noncurrent loans | 121.4286% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 3.1843% | 2,224 |
| Noncurrent loans to loans | 1.0055% | 5,054 |
| Net loans and leases to total assets | 62.3914% | 4,204 |
| Net loans and leases to deposits | 71.8497% | 4,548 |
| Net loans and leases to core deposits | 72.3179% | 5,179 |
| Total domestic deposits to total assets | 86.8360% | 2,915 |
| Equity capital to assets | 10.8348% | 2,827 |
| Core capital (leverage) ratio | 8.7547% | 4,930 |
| Tier 1 risk-based capital ratio | 11.8927% | 5,576 |
| Total risk-based capital ratio | 12.9647% | 5,718 |
| Memoranda: | ||
| Average total assets | $103,223,600 | 4,891 |
| Average earning assets | $89,209,800 | 5,043 |
| Average equity | $11,025,800 | 4,855 |
| Average total loans | $62,970,200 | 4,952 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1084% | 4,273 |
| Cost of funding earning assets | 0.9854% | 6,008 |
| Net interest margin | 4.1230% | 2,522 |
| Noninterest income to average assets | 2.2029% | 329 |
| Noninterest expense to average assets | 4.4405% | 638 |
| Loan and lease loss provision to assets | 0.2315% | 4,758 |
| Net operating income to assets | 1.0481% | 2,075 |
| Return on assets (ROA) | 1.0481% | 2,181 |
| Pretax return on assets | 1.0931% | 2,846 |
| Return on Equity (ROE) | 9.8468% | 2,185 |
| Retained earnings to average equity (ytd only) | 2.5372% | 4,645 |
| Net charge-offs to loans | 0.0340% | 6,222 |
| Credit loss provision to net charge-offs | 1,125.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 64.3835% | 465 |
| Efficiency ratio | 75.2844% | 3,082 |
| Assets per employee ($millions) | 2.7461% | 6,695 |
| Cash dividends to net income (ytd only)* | 74.2334% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,407 |
| Loan loss allowance to noncurrent loans | 129.3823% | 2,196 |
| Noncurrent assets plus other real estate owned to assets | 3.1928% | 2,246 |
| Noncurrent loans to loans | 0.9402% | 5,352 |
| Net loans and leases to total assets | 61.9424% | 4,544 |
| Net loans and leases to deposits | 71.5540% | 4,897 |
| Net loans and leases to core deposits | 72.2854% | 5,479 |
| Total domestic deposits to total assets | 86.5675% | 2,775 |
| Equity capital to assets | 10.9661% | 2,994 |
| Core capital (leverage) ratio | 8.6825% | 5,216 |
| Tier 1 risk-based capital ratio | 11.7784% | 5,663 |
| Total risk-based capital ratio | 12.8289% | 5,843 |
| Memoranda: | ||
| Average total assets | $103,678,250 | 4,944 |
| Average earning assets | $89,575,750 | 5,088 |
| Average equity | $11,035,500 | 4,913 |
| Average total loans | $62,700,250 | 5,044 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 4,855 |
| Cost of funding earning assets | 0.9990% | 6,147 |
| Net interest margin | 4.0203% | 2,921 |
| Noninterest income to average assets | 2.2631% | 296 |
| Noninterest expense to average assets | 4.3442% | 685 |
| Loan and lease loss provision to assets | 0.2300% | 4,613 |
| Net operating income to assets | 1.1172% | 1,793 |
| Return on assets (ROA) | 1.1172% | 1,861 |
| Pretax return on assets | 1.1670% | 2,526 |
| Return on Equity (ROE) | 10.6000% | 1,894 |
| Retained earnings to average equity (ytd only) | 3.2364% | 4,044 |
| Net charge-offs to loans | 0.0513% | 5,667 |
| Credit loss provision to net charge-offs | 750.0000% | 495 |
| Earnings coverage of net charge-offs (x) | 45.5625% | 650 |
| Efficiency ratio | 73.9319% | 3,486 |
| Assets per employee ($millions) | 2.7167% | 6,756 |
| Cash dividends to net income (ytd only)* | 69.4683% | 1,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1448% | 5,715 |
| Loan loss allowance to noncurrent loans | 97.5443% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 3.3206% | 2,125 |
| Noncurrent loans to loans | 1.1736% | 4,993 |
| Net loans and leases to total assets | 59.8082% | 5,098 |
| Net loans and leases to deposits | 68.9111% | 5,429 |
| Net loans and leases to core deposits | 69.3516% | 5,936 |
| Total domestic deposits to total assets | 86.7903% | 2,652 |
| Equity capital to assets | 10.7531% | 3,120 |
| Core capital (leverage) ratio | 8.4671% | 5,467 |
| Tier 1 risk-based capital ratio | 11.5699% | 5,700 |
| Total risk-based capital ratio | 12.5285% | 5,952 |
| Memoranda: | ||
| Average total assets | $104,369,670 | 4,957 |
| Average earning assets | $90,292,670 | 5,083 |
| Average equity | $11,000,000 | 4,921 |
| Average total loans | $62,363,330 | 5,088 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9968% | 5,033 |
| Cost of funding earning assets | 1.0232% | 6,265 |
| Net interest margin | 3.9736% | 2,982 |
| Noninterest income to average assets | 2.5044% | 255 |
| Noninterest expense to average assets | 4.5094% | 575 |
| Loan and lease loss provision to assets | 0.1144% | 5,471 |
| Net operating income to assets | 1.2579% | 1,389 |
| Return on assets (ROA) | 1.2579% | 1,462 |
| Pretax return on assets | 1.3151% | 2,013 |
| Return on Equity (ROE) | 12.0553% | 1,487 |
| Retained earnings to average equity (ytd only) | 4.5664% | 3,413 |
| Net charge-offs to loans | 0.1155% | 4,284 |
| Credit loss provision to net charge-offs | 166.6667% | 2,176 |
| Earnings coverage of net charge-offs (x) | 20.8333% | 1,146 |
| Efficiency ratio | 74.2619% | 3,538 |
| Assets per employee ($millions) | 2.7813% | 6,689 |
| Cash dividends to net income (ytd only)* | 62.1212% | 1,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0061% | 6,435 |
| Loan loss allowance to noncurrent loans | 110.8541% | 2,492 |
| Noncurrent assets plus other real estate owned to assets | 3.1006% | 2,306 |
| Noncurrent loans to loans | 0.9075% | 5,500 |
| Net loans and leases to total assets | 58.0023% | 5,435 |
| Net loans and leases to deposits | 66.5545% | 5,762 |
| Net loans and leases to core deposits | 66.9674% | 6,208 |
| Total domestic deposits to total assets | 87.1500% | 2,550 |
| Equity capital to assets | 10.4155% | 3,325 |
| Core capital (leverage) ratio | 8.6614% | 5,093 |
| Tier 1 risk-based capital ratio | 11.2941% | 5,862 |
| Total risk-based capital ratio | 12.1169% | 6,260 |
| Memoranda: | ||
| Average total assets | $104,937,000 | 5,011 |
| Average earning assets | $90,697,500 | 5,146 |
| Average equity | $10,949,500 | 4,991 |
| Average total loans | $62,316,000 | 5,161 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2714% | 5,320 |
| Cost of funding earning assets | 1.3105% | 6,272 |
| Net interest margin | 3.9608% | 3,026 |
| Noninterest income to average assets | 2.0344% | 364 |
| Noninterest expense to average assets | 4.7066% | 645 |
| Loan and lease loss provision to assets | 0.5712% | 3,519 |
| Net operating income to assets | 0.2307% | 4,797 |
| Return on assets (ROA) | 0.4560% | 4,027 |
| Pretax return on assets | 0.4703% | 4,284 |
| Return on Equity (ROE) | 4.2917% | 3,966 |
| Retained earnings to average equity (ytd only) | -3.5032% | 5,791 |
| Net charge-offs to loans | 0.9538% | 2,496 |
| Credit loss provision to net charge-offs | 93.8967% | 5,854 |
| Earnings coverage of net charge-offs (x) | 1.3302% | 4,802 |
| Efficiency ratio | 83.5347% | 2,410 |
| Assets per employee ($millions) | 2.6714% | 6,908 |
| Cash dividends to net income (ytd only)* | 181.6284% | 222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9744% | 6,514 |
| Loan loss allowance to noncurrent loans | 102.3451% | 2,753 |
| Noncurrent assets plus other real estate owned to assets | 3.1722% | 2,181 |
| Noncurrent loans to loans | 0.9520% | 5,405 |
| Net loans and leases to total assets | 59.6017% | 5,398 |
| Net loans and leases to deposits | 68.7146% | 5,753 |
| Net loans and leases to core deposits | 76.1652% | 6,385 |
| Total domestic deposits to total assets | 86.7380% | 2,636 |
| Equity capital to assets | 10.4535% | 3,238 |
| Core capital (leverage) ratio | 8.2768% | 5,658 |
| Tier 1 risk-based capital ratio | 11.1459% | 5,783 |
| Total risk-based capital ratio | 11.9565% | 6,179 |
| Memoranda: | ||
| Average total assets | $105,044,800 | 4,958 |
| Average earning assets | $92,328,800 | 5,051 |
| Average equity | $11,161,200 | 4,974 |
| Average total loans | $66,997,400 | 4,982 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3209% | 5,319 |
| Cost of funding earning assets | 1.3413% | 6,426 |
| Net interest margin | 3.9796% | 2,896 |
| Noninterest income to average assets | 2.0102% | 363 |
| Noninterest expense to average assets | 4.6588% | 633 |
| Loan and lease loss provision to assets | 0.4433% | 3,692 |
| Net operating income to assets | 0.4042% | 4,381 |
| Return on assets (ROA) | 0.5586% | 3,848 |
| Pretax return on assets | 0.5827% | 4,242 |
| Return on Equity (ROE) | 5.2365% | 3,863 |
| Retained earnings to average equity (ytd only) | -2.4817% | 5,815 |
| Net charge-offs to loans | 0.8951% | 2,173 |
| Credit loss provision to net charge-offs | 76.5864% | 5,850 |
| Earnings coverage of net charge-offs (x) | 1.4945% | 4,664 |
| Efficiency ratio | 82.5499% | 2,508 |
| Assets per employee ($millions) | 2.8586% | 6,511 |
| Cash dividends to net income (ytd only)* | 147.3920% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8567% | 6,934 |
| Loan loss allowance to noncurrent loans | 39.4622% | 5,721 |
| Noncurrent assets plus other real estate owned to assets | 3.5057% | 1,893 |
| Noncurrent loans to loans | 2.1709% | 3,417 |
| Net loans and leases to total assets | 59.4129% | 5,678 |
| Net loans and leases to deposits | 68.6052% | 6,075 |
| Net loans and leases to core deposits | 77.7418% | 6,513 |
| Total domestic deposits to total assets | 86.6011% | 2,376 |
| Equity capital to assets | 10.5833% | 3,420 |
| Core capital (leverage) ratio | 8.3700% | 5,715 |
| Tier 1 risk-based capital ratio | 11.7131% | 5,228 |
| Total risk-based capital ratio | 12.4565% | 5,696 |
| Memoranda: | ||
| Average total assets | $105,259,750 | 4,981 |
| Average earning assets | $92,939,250 | 5,074 |
| Average equity | $11,228,750 | 5,008 |
| Average total loans | $68,070,000 | 4,984 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4108% | 5,090 |
| Cost of funding earning assets | 1.3645% | 6,602 |
| Net interest margin | 4.0463% | 2,520 |
| Noninterest income to average assets | 2.0364% | 359 |
| Noninterest expense to average assets | 4.5751% | 719 |
| Loan and lease loss provision to assets | 0.3806% | 3,649 |
| Net operating income to assets | 0.6395% | 3,508 |
| Return on assets (ROA) | 0.6395% | 3,614 |
| Pretax return on assets | 0.6642% | 4,121 |
| Return on Equity (ROE) | 5.9785% | 3,660 |
| Retained earnings to average equity (ytd only) | -3.8967% | 6,117 |
| Net charge-offs to loans | 1.1087% | 1,634 |
| Credit loss provision to net charge-offs | 51.8135% | 5,742 |
| Earnings coverage of net charge-offs (x) | 1.4223% | 4,464 |
| Efficiency ratio | 79.6478% | 3,105 |
| Assets per employee ($millions) | 2.5720% | 7,112 |
| Cash dividends to net income (ytd only)* | 165.1786% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7107% | 7,396 |
| Loan loss allowance to noncurrent loans | 20.5038% | 7,099 |
| Noncurrent assets plus other real estate owned to assets | 3.6664% | 1,682 |
| Noncurrent loans to loans | 3.4663% | 2,029 |
| Net loans and leases to total assets | 63.0058% | 5,184 |
| Net loans and leases to deposits | 73.0484% | 5,601 |
| Net loans and leases to core deposits | 82.7421% | 6,180 |
| Total domestic deposits to total assets | 86.2521% | 2,651 |
| Equity capital to assets | 10.8611% | 3,048 |
| Core capital (leverage) ratio | 8.4171% | 5,587 |
| Tier 1 risk-based capital ratio | 11.7173% | 5,179 |
| Total risk-based capital ratio | 12.3554% | 5,687 |
| Memoranda: | ||
| Average total assets | $105,089,670 | 5,012 |
| Average earning assets | $93,073,670 | 5,094 |
| Average equity | $11,240,330 | 5,018 |
| Average total loans | $69,632,000 | 4,974 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5515% | 4,632 |
| Cost of funding earning assets | 1.3688% | 6,821 |
| Net interest margin | 4.1827% | 1,966 |
| Noninterest income to average assets | 2.1884% | 310 |
| Noninterest expense to average assets | 4.7347% | 579 |
| Loan and lease loss provision to assets | 0.3767% | 3,065 |
| Net operating income to assets | 0.7571% | 3,315 |
| Return on assets (ROA) | 0.7571% | 3,491 |
| Pretax return on assets | 0.7948% | 4,094 |
| Return on Equity (ROE) | 7.1318% | 3,543 |
| Retained earnings to average equity (ytd only) | -4.5771% | 6,498 |
| Net charge-offs to loans | 0.2618% | 3,088 |
| Credit loss provision to net charge-offs | 212.7660% | 2,117 |
| Earnings coverage of net charge-offs (x) | 6.6170% | 2,468 |
| Efficiency ratio | 78.5077% | 3,082 |
| Assets per employee ($millions) | 2.6428% | 6,993 |
| Cash dividends to net income (ytd only)* | 164.1791% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 5,989 |
| Loan loss allowance to noncurrent loans | 30.8333% | 6,489 |
| Noncurrent assets plus other real estate owned to assets | 2.7679% | 2,047 |
| Noncurrent loans to loans | 3.3241% | 1,929 |
| Net loans and leases to total assets | 64.2192% | 4,949 |
| Net loans and leases to deposits | 74.3147% | 5,444 |
| Net loans and leases to core deposits | 83.3360% | 6,114 |
| Total domestic deposits to total assets | 86.4151% | 2,496 |
| Equity capital to assets | 10.6534% | 3,325 |
| Core capital (leverage) ratio | 8.5038% | 5,529 |
| Tier 1 risk-based capital ratio | 11.3742% | 5,530 |
| Total risk-based capital ratio | 12.3056% | 5,763 |
| Memoranda: | ||
| Average total assets | $106,194,000 | 4,998 |
| Average earning assets | $94,389,000 | 5,077 |
| Average equity | $11,273,500 | 5,034 |
| Average total loans | $71,805,500 | 4,917 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0383% | 5,372 |
| Cost of funding earning assets | 1.9100% | 6,704 |
| Net interest margin | 4.1283% | 2,592 |
| Noninterest income to average assets | 2.9989% | 199 |
| Noninterest expense to average assets | 4.4418% | 917 |
| Loan and lease loss provision to assets | 0.2006% | 4,886 |
| Net operating income to assets | 1.9327% | 409 |
| Return on assets (ROA) | 1.9327% | 394 |
| Pretax return on assets | 2.0128% | 586 |
| Return on Equity (ROE) | 19.1411% | 443 |
| Retained earnings to average equity (ytd only) | 8.1807% | 790 |
| Net charge-offs to loans | 0.3406% | 3,130 |
| Credit loss provision to net charge-offs | 84.8606% | 5,788 |
| Earnings coverage of net charge-offs (x) | 9.3625% | 2,700 |
| Efficiency ratio | 65.2703% | 5,261 |
| Assets per employee ($millions) | 2.6669% | 6,856 |
| Cash dividends to net income (ytd only)* | 57.2612% | 2,786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8678% | 6,819 |
| Loan loss allowance to noncurrent loans | 21.6711% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 2.8695% | 1,629 |
| Noncurrent loans to loans | 4.0043% | 1,226 |
| Net loans and leases to total assets | 69.7155% | 4,085 |
| Net loans and leases to deposits | 81.9412% | 4,738 |
| Net loans and leases to core deposits | 95.6441% | 5,285 |
| Total domestic deposits to total assets | 85.0799% | 2,805 |
| Equity capital to assets | 10.5789% | 3,417 |
| Core capital (leverage) ratio | 8.5644% | 5,458 |
| Tier 1 risk-based capital ratio | 10.8204% | 5,885 |
| Total risk-based capital ratio | 11.6312% | 6,212 |
| Memoranda: | ||
| Average total assets | $106,172,000 | 4,873 |
| Average earning assets | $94,032,800 | 4,966 |
| Average equity | $10,720,400 | 5,207 |
| Average total loans | $73,687,200 | 4,752 |