Home > Lakeside State Bank > Performance and Condition Ratios
Lakeside State Bank, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8111% | 6,198 |
| Cost of funding earning assets | 0.1506% | 6,099 |
| Net interest margin | 2.6605% | 5,994 |
| Noninterest income to average assets | 0.2355% | 5,449 |
| Noninterest expense to average assets | 1.1061% | 6,431 |
| Loan and lease loss provision to assets | 0.0752% | 2,980 |
| Net operating income to assets | 1.4802% | 913 |
| Return on assets (ROA) | 1.4802% | 953 |
| Pretax return on assets | 1.4802% | 1,619 |
| Return on Equity (ROE) | 24.8156% | 107 |
| Retained earnings to average equity (ytd only) | 12.6385% | 248 |
| Net charge-offs to loans | 0.0256% | 4,313 |
| Credit loss provision to net charge-offs | 867.6471% | 314 |
| Earnings coverage of net charge-offs (x) | 179.5000% | 300 |
| Efficiency ratio | 40.6780% | 6,385 |
| Assets per employee ($millions) | 18.4266% | 56 |
| Cash dividends to net income (ytd only)* | 49.0702% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 5,267 |
| Loan loss allowance to noncurrent loans | 122.7422% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2754% | 4,932 |
| Noncurrent loans to loans | 0.7791% | 3,362 |
| Net loans and leases to total assets | 35.0133% | 5,994 |
| Net loans and leases to deposits | 37.2334% | 6,126 |
| Net loans and leases to core deposits | 38.9161% | 6,126 |
| Total domestic deposits to total assets | 94.0371% | 33 |
| Equity capital to assets | 5.7722% | 6,427 |
| Core capital (leverage) ratio | 5.5820% | 6,433 |
| Tier 1 risk-based capital ratio | 12.3762% | 5,108 |
| Total risk-based capital ratio | 13.1318% | 5,344 |
| Memoranda: | ||
| Average total assets | $392,375,200 | 1,669 |
| Average earning assets | $357,792,800 | 1,675 |
| Average equity | $23,404,600 | 2,811 |
| Average total loans | $132,616,400 | 2,815 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8203% | 6,267 |
| Cost of funding earning assets | 0.1544% | 6,160 |
| Net interest margin | 2.6659% | 6,046 |
| Noninterest income to average assets | 0.2344% | 5,531 |
| Noninterest expense to average assets | 1.0455% | 6,518 |
| Loan and lease loss provision to assets | 0.0632% | 3,093 |
| Net operating income to assets | 1.5375% | 866 |
| Return on assets (ROA) | 1.5375% | 901 |
| Pretax return on assets | 1.5375% | 1,519 |
| Return on Equity (ROE) | 25.5364% | 94 |
| Retained earnings to average equity (ytd only) | 14.4323% | 228 |
| Net charge-offs to loans | 0.0410% | 3,682 |
| Credit loss provision to net charge-offs | 461.5385% | 618 |
| Earnings coverage of net charge-offs (x) | 116.9458% | 509 |
| Efficiency ratio | 38.5942% | 6,481 |
| Assets per employee ($millions) | 15.9428% | 70 |
| Cash dividends to net income (ytd only)* | 43.4833% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9219% | 5,523 |
| Loan loss allowance to noncurrent loans | 3,716.2162% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0089% | 6,154 |
| Noncurrent loans to loans | 0.0248% | 5,923 |
| Net loans and leases to total assets | 35.6518% | 6,042 |
| Net loans and leases to deposits | 37.9973% | 6,184 |
| Net loans and leases to core deposits | 39.8288% | 6,184 |
| Total domestic deposits to total assets | 93.8272% | 46 |
| Equity capital to assets | 5.9885% | 6,479 |
| Core capital (leverage) ratio | 5.8987% | 6,487 |
| Tier 1 risk-based capital ratio | 12.3162% | 5,285 |
| Total risk-based capital ratio | 13.0224% | 5,551 |
| Memoranda: | ||
| Average total assets | $379,909,500 | 1,738 |
| Average earning assets | $343,694,000 | 1,749 |
| Average equity | $22,874,000 | 2,871 |
| Average total loans | $126,686,250 | 2,943 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7467% | 6,370 |
| Cost of funding earning assets | 0.1570% | 6,224 |
| Net interest margin | 2.5897% | 6,184 |
| Noninterest income to average assets | 0.2215% | 5,622 |
| Noninterest expense to average assets | 1.0603% | 6,584 |
| Loan and lease loss provision to assets | 0.0652% | 2,964 |
| Net operating income to assets | 1.4339% | 991 |
| Return on assets (ROA) | 1.4339% | 1,032 |
| Pretax return on assets | 1.4339% | 1,769 |
| Return on Equity (ROE) | 23.7667% | 145 |
| Retained earnings to average equity (ytd only) | 9.9171% | 732 |
| Net charge-offs to loans | -0.0805% | 6,080 |
| Credit loss provision to net charge-offs | -250.0000% | 5,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4540% | 6,513 |
| Assets per employee ($millions) | 10.9888% | 182 |
| Cash dividends to net income (ytd only)* | 58.2734% | 1,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0925% | 4,945 |
| Loan loss allowance to noncurrent loans | 584.1667% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.0624% | 5,988 |
| Noncurrent loans to loans | 0.1870% | 5,452 |
| Net loans and leases to total assets | 33.0026% | 6,202 |
| Net loans and leases to deposits | 35.2023% | 6,316 |
| Net loans and leases to core deposits | 36.9764% | 6,310 |
| Total domestic deposits to total assets | 93.7513% | 56 |
| Equity capital to assets | 6.0805% | 6,525 |
| Core capital (leverage) ratio | 5.9052% | 6,544 |
| Tier 1 risk-based capital ratio | 13.4410% | 4,623 |
| Total risk-based capital ratio | 14.2754% | 4,829 |
| Memoranda: | ||
| Average total assets | $368,375,330 | 1,780 |
| Average earning assets | $332,542,000 | 1,815 |
| Average equity | $22,224,330 | 2,922 |
| Average total loans | $119,196,330 | 3,078 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6121% | 6,511 |
| Cost of funding earning assets | 0.1625% | 6,283 |
| Net interest margin | 2.4496% | 6,375 |
| Noninterest income to average assets | 0.2265% | 5,542 |
| Noninterest expense to average assets | 1.0914% | 6,660 |
| Loan and lease loss provision to assets | 0.0666% | 2,793 |
| Net operating income to assets | 1.2613% | 1,316 |
| Return on assets (ROA) | 1.2613% | 1,370 |
| Pretax return on assets | 1.2613% | 2,243 |
| Return on Equity (ROE) | 20.9948% | 246 |
| Retained earnings to average equity (ytd only) | 14.0088% | 395 |
| Net charge-offs to loans | -0.1640% | 6,319 |
| Credit loss provision to net charge-offs | -127.6596% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0569% | 6,499 |
| Assets per employee ($millions) | 11.6956% | 144 |
| Cash dividends to net income (ytd only)* | 33.2746% | 2,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1467% | 4,889 |
| Loan loss allowance to noncurrent loans | 2,530.1887% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 6,281 |
| Noncurrent loans to loans | 0.0453% | 6,012 |
| Net loans and leases to total assets | 30.8898% | 6,312 |
| Net loans and leases to deposits | 32.8993% | 6,403 |
| Net loans and leases to core deposits | 34.5495% | 6,397 |
| Total domestic deposits to total assets | 93.8922% | 66 |
| Equity capital to assets | 5.9496% | 6,573 |
| Core capital (leverage) ratio | 6.1506% | 6,570 |
| Tier 1 risk-based capital ratio | 14.0326% | 4,315 |
| Total risk-based capital ratio | 14.8796% | 4,544 |
| Memoranda: | ||
| Average total assets | $360,258,500 | 1,824 |
| Average earning assets | $322,501,500 | 1,870 |
| Average equity | $21,643,500 | 2,982 |
| Average total loans | $114,628,000 | 3,177 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7396% | 6,525 |
| Cost of funding earning assets | 0.1967% | 6,308 |
| Net interest margin | 2.5429% | 6,334 |
| Noninterest income to average assets | 0.2586% | 5,498 |
| Noninterest expense to average assets | 1.1660% | 6,722 |
| Loan and lease loss provision to assets | 0.1631% | 2,236 |
| Net operating income to assets | 1.1852% | 1,621 |
| Return on assets (ROA) | 1.1916% | 1,672 |
| Pretax return on assets | 1.1634% | 2,716 |
| Return on Equity (ROE) | 18.4503% | 376 |
| Retained earnings to average equity (ytd only) | 14.7375% | 179 |
| Net charge-offs to loans | -0.0071% | 5,976 |
| Credit loss provision to net charge-offs | -7,285.7143% | 6,395 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7176% | 6,569 |
| Assets per employee ($millions) | 13.3176% | 107 |
| Cash dividends to net income (ytd only)* | 20.1234% | 3,710 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,154 |
| Loan loss allowance to noncurrent loans | 1,063.7931% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 6,281 |
| Noncurrent loans to loans | 0.1033% | 5,901 |
| Net loans and leases to total assets | 32.0781% | 6,378 |
| Net loans and leases to deposits | 34.2160% | 6,483 |
| Net loans and leases to core deposits | 35.9695% | 6,472 |
| Total domestic deposits to total assets | 93.7518% | 88 |
| Equity capital to assets | 6.0706% | 6,615 |
| Core capital (leverage) ratio | 6.2734% | 6,625 |
| Tier 1 risk-based capital ratio | 14.0031% | 4,296 |
| Total risk-based capital ratio | 14.8093% | 4,557 |
| Memoranda: | ||
| Average total assets | $312,778,000 | 2,060 |
| Average earning assets | $273,983,000 | 2,149 |
| Average equity | $20,200,200 | 3,133 |
| Average total loans | $99,182,400 | 3,464 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7152% | 6,619 |
| Cost of funding earning assets | 0.2012% | 6,394 |
| Net interest margin | 2.5141% | 6,413 |
| Noninterest income to average assets | 0.2597% | 5,587 |
| Noninterest expense to average assets | 1.1953% | 6,790 |
| Loan and lease loss provision to assets | 0.1971% | 1,849 |
| Net operating income to assets | 1.0954% | 2,023 |
| Return on assets (ROA) | 1.1051% | 2,060 |
| Pretax return on assets | 1.0665% | 3,236 |
| Return on Equity (ROE) | 16.8236% | 556 |
| Retained earnings to average equity (ytd only) | 11.8225% | 445 |
| Net charge-offs to loans | -0.0125% | 5,935 |
| Credit loss provision to net charge-offs | -5,000.0000% | 6,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5680% | 6,519 |
| Assets per employee ($millions) | 10.9222% | 182 |
| Cash dividends to net income (ytd only)* | 29.7266% | 2,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 5,272 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0256% | 6,403 |
| Noncurrent loans to loans | 0.0796% | 6,096 |
| Net loans and leases to total assets | 31.8338% | 6,458 |
| Net loans and leases to deposits | 33.9670% | 6,571 |
| Net loans and leases to core deposits | 35.7691% | 6,568 |
| Total domestic deposits to total assets | 93.7198% | 86 |
| Equity capital to assets | 6.0351% | 6,692 |
| Core capital (leverage) ratio | 6.3927% | 6,681 |
| Tier 1 risk-based capital ratio | 14.0060% | 4,429 |
| Total risk-based capital ratio | 14.8238% | 4,670 |
| Memoranda: | ||
| Average total assets | $304,408,000 | 2,127 |
| Average earning assets | $265,116,250 | 2,222 |
| Average equity | $19,995,250 | 3,186 |
| Average total loans | $95,901,250 | 3,578 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6791% | 6,669 |
| Cost of funding earning assets | 0.2057% | 6,447 |
| Net interest margin | 2.4735% | 6,475 |
| Noninterest income to average assets | 0.2677% | 5,538 |
| Noninterest expense to average assets | 1.2230% | 6,826 |
| Loan and lease loss provision to assets | 0.0809% | 3,443 |
| Net operating income to assets | 1.1798% | 1,643 |
| Return on assets (ROA) | 1.1947% | 1,716 |
| Pretax return on assets | 1.1353% | 2,949 |
| Return on Equity (ROE) | 17.6594% | 491 |
| Retained earnings to average equity (ytd only) | 10.1850% | 806 |
| Net charge-offs to loans | 0.0216% | 4,406 |
| Credit loss provision to net charge-offs | 1,200.0000% | 257 |
| Earnings coverage of net charge-offs (x) | 178.2000% | 279 |
| Efficiency ratio | 50.4449% | 6,396 |
| Assets per employee ($millions) | 10.4035% | 198 |
| Cash dividends to net income (ytd only)* | 42.3251% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8395% | 6,281 |
| Loan loss allowance to noncurrent loans | 621.8045% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.0441% | 6,376 |
| Noncurrent loans to loans | 0.1350% | 5,987 |
| Net loans and leases to total assets | 32.3791% | 6,493 |
| Net loans and leases to deposits | 34.6951% | 6,586 |
| Net loans and leases to core deposits | 36.6397% | 6,582 |
| Total domestic deposits to total assets | 93.3245% | 99 |
| Equity capital to assets | 6.4266% | 6,701 |
| Core capital (leverage) ratio | 6.2940% | 6,723 |
| Tier 1 risk-based capital ratio | 14.3585% | 4,186 |
| Total risk-based capital ratio | 14.9695% | 4,594 |
| Memoranda: | ||
| Average total assets | $296,655,000 | 2,185 |
| Average earning assets | $258,664,330 | 2,275 |
| Average equity | $20,068,670 | 3,200 |
| Average total loans | $92,706,670 | 3,663 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6475% | 6,758 |
| Cost of funding earning assets | 0.2099% | 6,528 |
| Net interest margin | 2.4376% | 6,569 |
| Noninterest income to average assets | 0.2652% | 5,564 |
| Noninterest expense to average assets | 1.2321% | 6,900 |
| Loan and lease loss provision to assets | 0.0816% | 3,286 |
| Net operating income to assets | 1.0013% | 2,219 |
| Return on assets (ROA) | 1.0295% | 2,222 |
| Pretax return on assets | 1.0975% | 2,955 |
| Return on Equity (ROE) | 14.8370% | 799 |
| Retained earnings to average equity (ytd only) | 9.7214% | 1,176 |
| Net charge-offs to loans | -0.0267% | 5,848 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7419% | 6,398 |
| Assets per employee ($millions) | 10.7730% | 179 |
| Cash dividends to net income (ytd only)* | 34.4782% | 1,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8655% | 6,336 |
| Loan loss allowance to noncurrent loans | 1,566.0000% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0560% | 6,437 |
| Noncurrent loans to loans | 0.0553% | 6,309 |
| Net loans and leases to total assets | 28.7051% | 6,649 |
| Net loans and leases to deposits | 30.8261% | 6,723 |
| Net loans and leases to core deposits | 32.4327% | 6,712 |
| Total domestic deposits to total assets | 93.1195% | 117 |
| Equity capital to assets | 6.5809% | 6,782 |
| Core capital (leverage) ratio | 6.3950% | 6,762 |
| Tier 1 risk-based capital ratio | 14.6742% | 4,052 |
| Total risk-based capital ratio | 15.2826% | 4,442 |
| Memoranda: | ||
| Average total assets | $294,132,000 | 2,227 |
| Average earning assets | $255,336,000 | 2,328 |
| Average equity | $20,408,500 | 3,210 |
| Average total loans | $89,802,500 | 3,755 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1708% | 6,676 |
| Cost of funding earning assets | 0.2868% | 6,515 |
| Net interest margin | 2.8840% | 6,255 |
| Noninterest income to average assets | 0.3243% | 5,139 |
| Noninterest expense to average assets | 1.3568% | 6,932 |
| Loan and lease loss provision to assets | 0.0771% | 4,744 |
| Net operating income to assets | 1.3057% | 1,283 |
| Return on assets (ROA) | 1.3057% | 1,426 |
| Pretax return on assets | 1.3962% | 2,049 |
| Return on Equity (ROE) | 16.6525% | 578 |
| Retained earnings to average equity (ytd only) | 8.8879% | 861 |
| Net charge-offs to loans | 0.2599% | 3,383 |
| Credit loss provision to net charge-offs | 90.0474% | 3,475 |
| Earnings coverage of net charge-offs (x) | 17.2038% | 1,518 |
| Efficiency ratio | 47.9421% | 6,709 |
| Assets per employee ($millions) | 9.1949% | 309 |
| Cash dividends to net income (ytd only)* | 46.6273% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8043% | 6,480 |
| Loan loss allowance to noncurrent loans | 3,117.3913% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 6,430 |
| Noncurrent loans to loans | 0.0258% | 6,459 |
| Net loans and leases to total assets | 32.0559% | 6,629 |
| Net loans and leases to deposits | 34.7473% | 6,718 |
| Net loans and leases to core deposits | 36.6741% | 6,710 |
| Total domestic deposits to total assets | 92.2544% | 201 |
| Equity capital to assets | 7.3436% | 6,684 |
| Core capital (leverage) ratio | 6.8758% | 6,735 |
| Tier 1 risk-based capital ratio | 14.5647% | 3,981 |
| Total risk-based capital ratio | 15.1333% | 4,427 |
| Memoranda: | ||
| Average total assets | $246,381,400 | 2,563 |
| Average earning assets | $214,080,000 | 2,688 |
| Average equity | $19,318,400 | 3,287 |
| Average total loans | $81,170,400 | 4,004 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2145% | 6,789 |
| Cost of funding earning assets | 0.2993% | 6,618 |
| Net interest margin | 2.9152% | 6,325 |
| Noninterest income to average assets | 0.3208% | 5,217 |
| Noninterest expense to average assets | 1.3237% | 7,032 |
| Loan and lease loss provision to assets | 0.0753% | 4,714 |
| Net operating income to assets | 1.3695% | 1,288 |
| Return on assets (ROA) | 1.3695% | 1,422 |
| Pretax return on assets | 1.4643% | 2,024 |
| Return on Equity (ROE) | 17.1520% | 590 |
| Retained earnings to average equity (ytd only) | 8.2441% | 1,521 |
| Net charge-offs to loans | 0.3452% | 2,723 |
| Credit loss provision to net charge-offs | 65.8537% | 4,010 |
| Earnings coverage of net charge-offs (x) | 13.4632% | 1,907 |
| Efficiency ratio | 46.2303% | 6,808 |
| Assets per employee ($millions) | 7.6035% | 560 |
| Cash dividends to net income (ytd only)* | 51.9349% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7811% | 6,636 |
| Loan loss allowance to noncurrent loans | 303.6364% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.0877% | 6,511 |
| Noncurrent loans to loans | 0.2573% | 5,974 |
| Net loans and leases to total assets | 33.8153% | 6,665 |
| Net loans and leases to deposits | 36.9256% | 6,786 |
| Net loans and leases to core deposits | 39.0406% | 6,774 |
| Total domestic deposits to total assets | 91.5769% | 274 |
| Equity capital to assets | 7.9859% | 6,598 |
| Core capital (leverage) ratio | 7.3923% | 6,674 |
| Tier 1 risk-based capital ratio | 15.0891% | 3,787 |
| Total risk-based capital ratio | 15.6551% | 4,226 |
| Memoranda: | ||
| Average total assets | $239,015,250 | 2,664 |
| Average earning assets | $208,467,750 | 2,783 |
| Average equity | $19,083,750 | 3,345 |
| Average total loans | $79,177,500 | 4,105 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2099% | 6,866 |
| Cost of funding earning assets | 0.3156% | 6,666 |
| Net interest margin | 2.8942% | 6,438 |
| Noninterest income to average assets | 0.3165% | 5,288 |
| Noninterest expense to average assets | 1.3299% | 7,090 |
| Loan and lease loss provision to assets | 0.0766% | 4,659 |
| Net operating income to assets | 1.3384% | 1,335 |
| Return on assets (ROA) | 1.3384% | 1,494 |
| Pretax return on assets | 1.4303% | 2,089 |
| Return on Equity (ROE) | 16.7647% | 671 |
| Retained earnings to average equity (ytd only) | 5.2862% | 3,105 |
| Net charge-offs to loans | 0.1453% | 3,753 |
| Credit loss provision to net charge-offs | 160.7143% | 1,735 |
| Earnings coverage of net charge-offs (x) | 31.6250% | 1,037 |
| Efficiency ratio | 46.8806% | 6,837 |
| Assets per employee ($millions) | 7.4283% | 599 |
| Cash dividends to net income (ytd only)* | 68.4679% | 1,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 6,371 |
| Loan loss allowance to noncurrent loans | 242.0063% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 6,451 |
| Noncurrent loans to loans | 0.3859% | 5,759 |
| Net loans and leases to total assets | 34.4475% | 6,704 |
| Net loans and leases to deposits | 38.1566% | 6,799 |
| Net loans and leases to core deposits | 40.2729% | 6,797 |
| Total domestic deposits to total assets | 90.2792% | 776 |
| Equity capital to assets | 8.0435% | 6,541 |
| Core capital (leverage) ratio | 7.1229% | 6,781 |
| Tier 1 risk-based capital ratio | 14.0347% | 4,428 |
| Total risk-based capital ratio | 14.6683% | 4,847 |
| Memoranda: | ||
| Average total assets | $235,048,330 | 2,710 |
| Average earning assets | $204,682,330 | 2,823 |
| Average equity | $18,765,670 | 3,390 |
| Average total loans | $77,064,670 | 4,182 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1760% | 6,964 |
| Cost of funding earning assets | 0.3357% | 6,701 |
| Net interest margin | 2.8404% | 6,568 |
| Noninterest income to average assets | 0.3064% | 5,434 |
| Noninterest expense to average assets | 1.3435% | 7,153 |
| Loan and lease loss provision to assets | 0.0770% | 4,432 |
| Net operating income to assets | 1.2682% | 1,544 |
| Return on assets (ROA) | 1.2682% | 1,715 |
| Pretax return on assets | 1.3623% | 2,321 |
| Return on Equity (ROE) | 15.9453% | 813 |
| Retained earnings to average equity (ytd only) | -0.6456% | 6,098 |
| Net charge-offs to loans | 0.2962% | 2,477 |
| Credit loss provision to net charge-offs | 81.8182% | 2,696 |
| Earnings coverage of net charge-offs (x) | 15.2909% | 1,426 |
| Efficiency ratio | 48.2780% | 6,782 |
| Assets per employee ($millions) | 8.1305% | 451 |
| Cash dividends to net income (ytd only)* | 104.0486% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 6,372 |
| Loan loss allowance to noncurrent loans | 228.2132% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.1308% | 6,563 |
| Noncurrent loans to loans | 0.4233% | 5,821 |
| Net loans and leases to total assets | 30.5967% | 6,882 |
| Net loans and leases to deposits | 33.6062% | 6,960 |
| Net loans and leases to core deposits | 35.4999% | 6,955 |
| Total domestic deposits to total assets | 91.0448% | 537 |
| Equity capital to assets | 7.5649% | 6,755 |
| Core capital (leverage) ratio | 6.9689% | 6,851 |
| Tier 1 risk-based capital ratio | 15.6633% | 3,356 |
| Total risk-based capital ratio | 16.3522% | 3,650 |
| Memoranda: | ||
| Average total assets | $233,719,000 | 2,731 |
| Average earning assets | $203,777,500 | 2,852 |
| Average equity | $18,588,500 | 3,407 |
| Average total loans | $74,269,000 | 4,304 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8101% | 6,715 |
| Cost of funding earning assets | 0.4590% | 6,707 |
| Net interest margin | 3.3511% | 5,646 |
| Noninterest income to average assets | 0.3072% | 5,342 |
| Noninterest expense to average assets | 1.4811% | 7,181 |
| Loan and lease loss provision to assets | 0.0967% | 5,379 |
| Net operating income to assets | 1.4146% | 1,000 |
| Return on assets (ROA) | 1.4427% | 1,019 |
| Pretax return on assets | 1.5375% | 1,373 |
| Return on Equity (ROE) | 16.7347% | 501 |
| Retained earnings to average equity (ytd only) | 11.5518% | 340 |
| Net charge-offs to loans | 0.2526% | 4,195 |
| Credit loss provision to net charge-offs | 106.5934% | 3,184 |
| Earnings coverage of net charge-offs (x) | 17.6758% | 1,256 |
| Efficiency ratio | 48.0039% | 6,946 |
| Assets per employee ($millions) | 7.4508% | 586 |
| Cash dividends to net income (ytd only)* | 30.9713% | 3,073 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 6,177 |
| Loan loss allowance to noncurrent loans | 222.9607% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.1481% | 6,581 |
| Noncurrent loans to loans | 0.4523% | 5,802 |
| Net loans and leases to total assets | 32.4092% | 6,934 |
| Net loans and leases to deposits | 35.8949% | 7,003 |
| Net loans and leases to core deposits | 37.9924% | 7,003 |
| Total domestic deposits to total assets | 90.2891% | 820 |
| Equity capital to assets | 8.3772% | 6,274 |
| Core capital (leverage) ratio | 7.7032% | 6,531 |
| Tier 1 risk-based capital ratio | 15.8767% | 3,109 |
| Total risk-based capital ratio | 16.5855% | 3,380 |
| Memoranda: | ||
| Average total assets | $200,520,200 | 3,051 |
| Average earning assets | $166,243,200 | 3,304 |
| Average equity | $17,287,400 | 3,535 |
| Average total loans | $72,060,400 | 4,409 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9290% | 6,693 |
| Cost of funding earning assets | 0.4891% | 6,746 |
| Net interest margin | 3.4399% | 5,428 |
| Noninterest income to average assets | 0.2964% | 5,490 |
| Noninterest expense to average assets | 1.4649% | 7,252 |
| Loan and lease loss provision to assets | 0.0739% | 5,526 |
| Net operating income to assets | 1.4763% | 988 |
| Return on assets (ROA) | 1.5046% | 1,007 |
| Pretax return on assets | 1.6087% | 1,362 |
| Return on Equity (ROE) | 17.3121% | 535 |
| Retained earnings to average equity (ytd only) | 11.5467% | 547 |
| Net charge-offs to loans | 0.3288% | 3,450 |
| Credit loss provision to net charge-offs | 61.0169% | 4,781 |
| Earnings coverage of net charge-offs (x) | 13.6387% | 1,600 |
| Efficiency ratio | 46.9917% | 7,016 |
| Assets per employee ($millions) | 7.2219% | 662 |
| Cash dividends to net income (ytd only)* | 33.3032% | 2,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8387% | 6,745 |
| Loan loss allowance to noncurrent loans | 205.3125% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.1528% | 6,661 |
| Noncurrent loans to loans | 0.4085% | 6,030 |
| Net loans and leases to total assets | 37.0898% | 6,818 |
| Net loans and leases to deposits | 41.3745% | 6,935 |
| Net loans and leases to core deposits | 43.6789% | 6,929 |
| Total domestic deposits to total assets | 89.6440% | 1,073 |
| Equity capital to assets | 8.6385% | 6,158 |
| Core capital (leverage) ratio | 8.1591% | 6,183 |
| Tier 1 risk-based capital ratio | 15.2382% | 3,526 |
| Total risk-based capital ratio | 15.8649% | 3,867 |
| Memoranda: | ||
| Average total assets | $194,769,500 | 3,136 |
| Average earning assets | $159,729,750 | 3,429 |
| Average equity | $16,928,000 | 3,600 |
| Average total loans | $71,780,500 | 4,466 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9994% | 6,657 |
| Cost of funding earning assets | 0.5262% | 6,759 |
| Net interest margin | 3.4732% | 5,277 |
| Noninterest income to average assets | 0.2317% | 5,994 |
| Noninterest expense to average assets | 1.4535% | 7,333 |
| Loan and lease loss provision to assets | 0.0758% | 5,364 |
| Net operating income to assets | 1.3915% | 1,101 |
| Return on assets (ROA) | 1.4346% | 1,069 |
| Pretax return on assets | 1.5368% | 1,413 |
| Return on Equity (ROE) | 16.4692% | 614 |
| Retained earnings to average equity (ytd only) | 9.5889% | 938 |
| Net charge-offs to loans | 0.4713% | 2,694 |
| Credit loss provision to net charge-offs | 43.9024% | 4,739 |
| Earnings coverage of net charge-offs (x) | 9.0671% | 1,969 |
| Efficiency ratio | 48.1339% | 7,053 |
| Assets per employee ($millions) | 7.1444% | 678 |
| Cash dividends to net income (ytd only)* | 41.7768% | 1,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8596% | 6,747 |
| Loan loss allowance to noncurrent loans | 170.8895% | 1,755 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 6,624 |
| Noncurrent loans to loans | 0.5030% | 5,897 |
| Net loans and leases to total assets | 37.9084% | 6,864 |
| Net loans and leases to deposits | 42.8652% | 6,961 |
| Net loans and leases to core deposits | 45.6543% | 6,952 |
| Total domestic deposits to total assets | 88.4364% | 1,896 |
| Equity capital to assets | 8.8725% | 5,739 |
| Core capital (leverage) ratio | 8.0485% | 6,241 |
| Tier 1 risk-based capital ratio | 15.4511% | 3,279 |
| Total risk-based capital ratio | 16.0923% | 3,554 |
| Memoranda: | ||
| Average total assets | $189,881,000 | 3,227 |
| Average earning assets | $152,424,330 | 3,591 |
| Average equity | $16,540,000 | 3,643 |
| Average total loans | $69,595,330 | 4,590 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0767% | 6,552 |
| Cost of funding earning assets | 0.5667% | 6,734 |
| Net interest margin | 3.5101% | 4,960 |
| Noninterest income to average assets | 0.2697% | 5,744 |
| Noninterest expense to average assets | 1.5034% | 7,358 |
| Loan and lease loss provision to assets | 0.0764% | 5,042 |
| Net operating income to assets | 1.3038% | 1,255 |
| Return on assets (ROA) | 1.3038% | 1,299 |
| Pretax return on assets | 1.3994% | 1,726 |
| Return on Equity (ROE) | 15.1115% | 804 |
| Retained earnings to average equity (ytd only) | 7.8757% | 1,784 |
| Net charge-offs to loans | 0.8887% | 1,490 |
| Credit loss provision to net charge-offs | 24.0000% | 4,212 |
| Earnings coverage of net charge-offs (x) | 4.6333% | 2,427 |
| Efficiency ratio | 50.4633% | 6,954 |
| Assets per employee ($millions) | 6.9325% | 760 |
| Cash dividends to net income (ytd only)* | 47.8827% | 1,541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9316% | 6,616 |
| Loan loss allowance to noncurrent loans | 153.3835% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 6,647 |
| Noncurrent loans to loans | 0.6074% | 5,819 |
| Net loans and leases to total assets | 33.5274% | 7,109 |
| Net loans and leases to deposits | 37.1616% | 7,191 |
| Net loans and leases to core deposits | 39.3768% | 7,181 |
| Total domestic deposits to total assets | 90.2205% | 1,008 |
| Equity capital to assets | 8.4782% | 5,944 |
| Core capital (leverage) ratio | 7.7707% | 6,487 |
| Tier 1 risk-based capital ratio | 15.8949% | 2,956 |
| Total risk-based capital ratio | 16.5529% | 3,218 |
| Memoranda: | ||
| Average total assets | $188,372,000 | 3,263 |
| Average earning assets | $145,411,000 | 3,723 |
| Average equity | $16,252,500 | 3,682 |
| Average total loans | $67,513,500 | 4,703 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1541% | 6,982 |
| Cost of funding earning assets | 0.7079% | 6,861 |
| Net interest margin | 3.4462% | 5,452 |
| Noninterest income to average assets | 0.3121% | 5,563 |
| Noninterest expense to average assets | 1.6785% | 7,361 |
| Loan and lease loss provision to assets | 0.2384% | 4,907 |
| Net operating income to assets | 1.2679% | 1,255 |
| Return on assets (ROA) | 1.2679% | 1,315 |
| Pretax return on assets | 1.3623% | 1,763 |
| Return on Equity (ROE) | 13.6696% | 948 |
| Retained earnings to average equity (ytd only) | 4.7643% | 2,568 |
| Net charge-offs to loans | 0.7806% | 2,684 |
| Credit loss provision to net charge-offs | 78.7524% | 5,598 |
| Earnings coverage of net charge-offs (x) | 5.2885% | 2,669 |
| Efficiency ratio | 51.1875% | 7,046 |
| Assets per employee ($millions) | 6.5226% | 943 |
| Cash dividends to net income (ytd only)* | 65.1466% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0471% | 6,165 |
| Loan loss allowance to noncurrent loans | 143.4783% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 6,559 |
| Noncurrent loans to loans | 0.7298% | 5,588 |
| Net loans and leases to total assets | 37.5664% | 7,094 |
| Net loans and leases to deposits | 41.6856% | 7,196 |
| Net loans and leases to core deposits | 44.4846% | 7,184 |
| Total domestic deposits to total assets | 90.1185% | 1,026 |
| Equity capital to assets | 8.7870% | 5,454 |
| Core capital (leverage) ratio | 8.2779% | 5,715 |
| Tier 1 risk-based capital ratio | 15.3173% | 3,087 |
| Total risk-based capital ratio | 16.0874% | 3,306 |
| Memoranda: | ||
| Average total assets | $169,494,400 | 3,548 |
| Average earning assets | $145,929,400 | 3,708 |
| Average equity | $15,721,000 | 3,815 |
| Average total loans | $65,719,400 | 4,837 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1241% | 7,175 |
| Cost of funding earning assets | 0.7340% | 6,960 |
| Net interest margin | 3.3902% | 5,713 |
| Noninterest income to average assets | 0.3120% | 5,658 |
| Noninterest expense to average assets | 1.6525% | 7,467 |
| Loan and lease loss provision to assets | 0.3048% | 4,138 |
| Net operating income to assets | 1.2546% | 1,461 |
| Return on assets (ROA) | 1.2546% | 1,534 |
| Pretax return on assets | 1.3485% | 2,035 |
| Return on Equity (ROE) | 13.3336% | 1,177 |
| Retained earnings to average equity (ytd only) | 2.6428% | 4,568 |
| Net charge-offs to loans | 1.0265% | 1,965 |
| Credit loss provision to net charge-offs | 76.1523% | 5,249 |
| Earnings coverage of net charge-offs (x) | 4.1302% | 3,181 |
| Efficiency ratio | 49.9879% | 7,153 |
| Assets per employee ($millions) | 5.6797% | 1,481 |
| Cash dividends to net income (ytd only)* | 80.1792% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0370% | 6,231 |
| Loan loss allowance to noncurrent loans | 137.1648% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 0.3064% | 6,621 |
| Noncurrent loans to loans | 0.7560% | 5,692 |
| Net loans and leases to total assets | 40.1011% | 7,066 |
| Net loans and leases to deposits | 45.3811% | 7,189 |
| Net loans and leases to core deposits | 48.4287% | 7,187 |
| Total domestic deposits to total assets | 88.3651% | 1,754 |
| Equity capital to assets | 9.3725% | 5,022 |
| Core capital (leverage) ratio | 8.5089% | 5,490 |
| Tier 1 risk-based capital ratio | 10.6955% | 6,638 |
| Total risk-based capital ratio | 11.2433% | 7,062 |
| Memoranda: | ||
| Average total assets | $166,209,500 | 3,652 |
| Average earning assets | $146,774,250 | 3,736 |
| Average equity | $15,639,250 | 3,870 |
| Average total loans | $64,815,500 | 4,954 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0382% | 7,328 |
| Cost of funding earning assets | 0.7601% | 7,037 |
| Net interest margin | 3.2782% | 6,085 |
| Noninterest income to average assets | 0.3204% | 5,597 |
| Noninterest expense to average assets | 1.6710% | 7,522 |
| Loan and lease loss provision to assets | 0.3107% | 3,899 |
| Net operating income to assets | 1.1734% | 1,634 |
| Return on assets (ROA) | 1.1734% | 1,697 |
| Pretax return on assets | 1.2644% | 2,204 |
| Return on Equity (ROE) | 12.4541% | 1,360 |
| Retained earnings to average equity (ytd only) | -1.6872% | 6,097 |
| Net charge-offs to loans | -0.0063% | 7,139 |
| Credit loss provision to net charge-offs | -12,800.0000% | 7,072 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4766% | 7,118 |
| Assets per employee ($millions) | 5.6640% | 1,479 |
| Cash dividends to net income (ytd only)* | 113.5471% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 3,330 |
| Loan loss allowance to noncurrent loans | 110.5157% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 5,986 |
| Noncurrent loans to loans | 1.4734% | 4,492 |
| Net loans and leases to total assets | 40.1992% | 7,151 |
| Net loans and leases to deposits | 45.2961% | 7,280 |
| Net loans and leases to core deposits | 48.3347% | 7,271 |
| Total domestic deposits to total assets | 88.7475% | 1,571 |
| Equity capital to assets | 9.3421% | 4,941 |
| Core capital (leverage) ratio | 8.2784% | 5,809 |
| Tier 1 risk-based capital ratio | 10.9504% | 6,295 |
| Total risk-based capital ratio | 11.8361% | 6,617 |
| Memoranda: | ||
| Average total assets | $164,815,330 | 3,695 |
| Average earning assets | $147,095,000 | 3,762 |
| Average equity | $15,529,000 | 3,885 |
| Average total loans | $63,405,670 | 5,036 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 7,437 |
| Cost of funding earning assets | 0.7787% | 7,151 |
| Net interest margin | 3.2429% | 6,151 |
| Noninterest income to average assets | 0.2932% | 5,800 |
| Noninterest expense to average assets | 1.6597% | 7,610 |
| Loan and lease loss provision to assets | 0.0581% | 6,071 |
| Net operating income to assets | 1.3592% | 1,169 |
| Return on assets (ROA) | 1.3592% | 1,236 |
| Pretax return on assets | 1.4610% | 1,615 |
| Return on Equity (ROE) | 14.3653% | 979 |
| Retained earnings to average equity (ytd only) | 3.3032% | 4,163 |
| Net charge-offs to loans | -0.0195% | 7,072 |
| Credit loss provision to net charge-offs | -800.0000% | 6,348 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.2104% | 7,129 |
| Assets per employee ($millions) | 5.8514% | 1,370 |
| Cash dividends to net income (ytd only)* | 77.0053% | 903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 4,268 |
| Loan loss allowance to noncurrent loans | 79.9629% | 3,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6353% | 5,929 |
| Noncurrent loans to loans | 1.7875% | 4,068 |
| Net loans and leases to total assets | 35.0313% | 7,465 |
| Net loans and leases to deposits | 40.5071% | 7,505 |
| Net loans and leases to core deposits | 43.2806% | 7,499 |
| Total domestic deposits to total assets | 86.4819% | 2,906 |
| Equity capital to assets | 9.2692% | 4,882 |
| Core capital (leverage) ratio | 8.3963% | 5,570 |
| Tier 1 risk-based capital ratio | 11.5534% | 5,628 |
| Total risk-based capital ratio | 12.2777% | 6,101 |
| Memoranda: | ||
| Average total assets | $165,094,500 | 3,743 |
| Average earning assets | $146,904,500 | 3,820 |
| Average equity | $15,621,000 | 3,894 |
| Average total loans | $61,547,000 | 5,193 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4532% | 7,428 |
| Cost of funding earning assets | 0.9848% | 7,236 |
| Net interest margin | 3.4684% | 5,089 |
| Noninterest income to average assets | 0.3329% | 5,709 |
| Noninterest expense to average assets | 1.8094% | 7,597 |
| Loan and lease loss provision to assets | 0.0582% | 6,982 |
| Net operating income to assets | 1.5083% | 658 |
| Return on assets (ROA) | 1.5083% | 708 |
| Pretax return on assets | 1.6142% | 932 |
| Return on Equity (ROE) | 15.7791% | 576 |
| Retained earnings to average equity (ytd only) | 8.1769% | 656 |
| Net charge-offs to loans | 0.0269% | 6,869 |
| Credit loss provision to net charge-offs | 550.0000% | 548 |
| Earnings coverage of net charge-offs (x) | 157.9375% | 188 |
| Efficiency ratio | 51.9673% | 7,387 |
| Assets per employee ($millions) | 5.7321% | 1,432 |
| Cash dividends to net income (ytd only)* | 48.1790% | 2,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3299% | 4,590 |
| Loan loss allowance to noncurrent loans | 87.2518% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 0.5963% | 5,970 |
| Noncurrent loans to loans | 1.5242% | 4,361 |
| Net loans and leases to total assets | 38.5999% | 7,426 |
| Net loans and leases to deposits | 43.0662% | 7,542 |
| Net loans and leases to core deposits | 48.4310% | 7,622 |
| Total domestic deposits to total assets | 89.6292% | 1,142 |
| Equity capital to assets | 9.6655% | 4,195 |
| Core capital (leverage) ratio | 8.7226% | 4,886 |
| Tier 1 risk-based capital ratio | 11.4545% | 5,451 |
| Total risk-based capital ratio | 12.1578% | 5,977 |
| Memoranda: | ||
| Average total assets | $151,098,200 | 3,942 |
| Average earning assets | $137,183,000 | 3,954 |
| Average equity | $14,443,200 | 4,162 |
| Average total loans | $59,406,400 | 5,276 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 7,511 |
| Cost of funding earning assets | 1.0221% | 7,340 |
| Net interest margin | 3.4711% | 4,987 |
| Noninterest income to average assets | 0.3083% | 6,017 |
| Noninterest expense to average assets | 1.8026% | 7,659 |
| Loan and lease loss provision to assets | 0.0574% | 6,789 |
| Net operating income to assets | 1.4960% | 822 |
| Return on assets (ROA) | 1.4960% | 879 |
| Pretax return on assets | 1.6080% | 1,155 |
| Return on Equity (ROE) | 15.6978% | 690 |
| Retained earnings to average equity (ytd only) | 6.1700% | 1,866 |
| Net charge-offs to loans | 0.0319% | 6,446 |
| Credit loss provision to net charge-offs | 457.1429% | 857 |
| Earnings coverage of net charge-offs (x) | 132.6872% | 289 |
| Efficiency ratio | 51.9773% | 7,418 |
| Assets per employee ($millions) | 5.3319% | 1,758 |
| Cash dividends to net income (ytd only)* | 60.6948% | 1,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2715% | 4,675 |
| Loan loss allowance to noncurrent loans | 81.9556% | 3,333 |
| Noncurrent assets plus other real estate owned to assets | 0.6645% | 5,815 |
| Noncurrent loans to loans | 1.5515% | 4,314 |
| Net loans and leases to total assets | 42.2842% | 7,343 |
| Net loans and leases to deposits | 47.4322% | 7,522 |
| Net loans and leases to core deposits | 53.3401% | 7,610 |
| Total domestic deposits to total assets | 89.1468% | 1,130 |
| Equity capital to assets | 10.0709% | 4,002 |
| Core capital (leverage) ratio | 8.7968% | 4,984 |
| Tier 1 risk-based capital ratio | 11.5860% | 5,357 |
| Total risk-based capital ratio | 12.3077% | 5,850 |
| Memoranda: | ||
| Average total assets | $148,748,250 | 3,994 |
| Average earning assets | $135,399,750 | 4,015 |
| Average equity | $14,175,750 | 4,249 |
| Average total loans | $58,561,250 | 5,356 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4440% | 7,676 |
| Cost of funding earning assets | 1.0528% | 7,457 |
| Net interest margin | 3.3911% | 5,203 |
| Noninterest income to average assets | 0.2921% | 6,183 |
| Noninterest expense to average assets | 1.7501% | 7,791 |
| Loan and lease loss provision to assets | 0.0538% | 6,685 |
| Net operating income to assets | 1.4781% | 874 |
| Return on assets (ROA) | 1.4781% | 937 |
| Pretax return on assets | 1.5885% | 1,231 |
| Return on Equity (ROE) | 15.8107% | 721 |
| Retained earnings to average equity (ytd only) | 2.4623% | 3,968 |
| Net charge-offs to loans | 0.0247% | 6,143 |
| Credit loss provision to net charge-offs | 571.4286% | 815 |
| Earnings coverage of net charge-offs (x) | 174.2857% | 234 |
| Efficiency ratio | 51.5873% | 7,550 |
| Assets per employee ($millions) | 5.8431% | 1,313 |
| Cash dividends to net income (ytd only)* | 84.4262% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2854% | 4,362 |
| Loan loss allowance to noncurrent loans | 83.7014% | 3,380 |
| Noncurrent assets plus other real estate owned to assets | 0.6260% | 5,847 |
| Noncurrent loans to loans | 1.5358% | 4,195 |
| Net loans and leases to total assets | 40.2370% | 7,537 |
| Net loans and leases to deposits | 44.7414% | 7,680 |
| Net loans and leases to core deposits | 50.2235% | 7,760 |
| Total domestic deposits to total assets | 89.9322% | 858 |
| Equity capital to assets | 9.3332% | 4,820 |
| Core capital (leverage) ratio | 8.6044% | 5,257 |
| Tier 1 risk-based capital ratio | 11.5100% | 5,369 |
| Total risk-based capital ratio | 12.2404% | 5,820 |
| Memoranda: | ||
| Average total assets | $148,567,000 | 4,019 |
| Average earning assets | $135,824,330 | 4,032 |
| Average equity | $13,889,330 | 4,331 |
| Average total loans | $56,768,330 | 5,478 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 7,724 |
| Cost of funding earning assets | 1.1186% | 7,482 |
| Net interest margin | 3.3736% | 5,240 |
| Noninterest income to average assets | 0.2832% | 6,168 |
| Noninterest expense to average assets | 1.7128% | 7,811 |
| Loan and lease loss provision to assets | 0.0436% | 6,425 |
| Net operating income to assets | 1.5113% | 917 |
| Return on assets (ROA) | 1.5113% | 988 |
| Pretax return on assets | 1.6230% | 1,355 |
| Return on Equity (ROE) | 16.1519% | 797 |
| Retained earnings to average equity (ytd only) | 4.8019% | 3,236 |
| Net charge-offs to loans | 0.0295% | 5,110 |
| Credit loss provision to net charge-offs | 400.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 153.0000% | 288 |
| Efficiency ratio | 50.6849% | 7,538 |
| Assets per employee ($millions) | 5.6254% | 1,454 |
| Cash dividends to net income (ytd only)* | 70.2703% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4140% | 3,423 |
| Loan loss allowance to noncurrent loans | 107.6389% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.4923% | 5,991 |
| Noncurrent loans to loans | 1.3136% | 4,349 |
| Net loans and leases to total assets | 36.9445% | 7,695 |
| Net loans and leases to deposits | 41.1329% | 7,808 |
| Net loans and leases to core deposits | 45.4442% | 7,879 |
| Total domestic deposits to total assets | 89.8174% | 879 |
| Equity capital to assets | 9.5590% | 4,592 |
| Core capital (leverage) ratio | 8.6609% | 5,228 |
| Tier 1 risk-based capital ratio | 12.3171% | 4,691 |
| Total risk-based capital ratio | 13.0799% | 5,004 |
| Memoranda: | ||
| Average total assets | $146,890,500 | 4,059 |
| Average earning assets | $134,810,500 | 4,057 |
| Average equity | $13,744,500 | 4,392 |
| Average total loans | $54,190,500 | 5,622 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4896% | 7,324 |
| Cost of funding earning assets | 1.8754% | 6,805 |
| Net interest margin | 3.6143% | 4,816 |
| Noninterest income to average assets | 0.3713% | 5,731 |
| Noninterest expense to average assets | 1.9026% | 7,609 |
| Loan and lease loss provision to assets | 0.0307% | 7,019 |
| Net operating income to assets | 1.5901% | 849 |
| Return on assets (ROA) | 1.5901% | 812 |
| Pretax return on assets | 1.7093% | 1,123 |
| Return on Equity (ROE) | 15.6754% | 818 |
| Retained earnings to average equity (ytd only) | -8.4464% | 6,918 |
| Net charge-offs to loans | 0.0414% | 6,196 |
| Credit loss provision to net charge-offs | 171.4286% | 2,980 |
| Earnings coverage of net charge-offs (x) | 97.2857% | 444 |
| Efficiency ratio | 52.2329% | 7,461 |
| Assets per employee ($millions) | 5.9008% | 1,194 |
| Cash dividends to net income (ytd only)* | 153.8832% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 3,057 |
| Loan loss allowance to noncurrent loans | 218.6246% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 6,626 |
| Noncurrent loans to loans | 0.6515% | 5,415 |
| Net loans and leases to total assets | 35.7969% | 7,839 |
| Net loans and leases to deposits | 39.9513% | 7,937 |
| Net loans and leases to core deposits | 44.0960% | 7,994 |
| Total domestic deposits to total assets | 89.6015% | 807 |
| Equity capital to assets | 9.1567% | 5,141 |
| Core capital (leverage) ratio | 8.9884% | 4,758 |
| Tier 1 risk-based capital ratio | 12.3968% | 4,509 |
| Total risk-based capital ratio | 13.1642% | 4,791 |
| Memoranda: | ||
| Average total assets | $117,417,200 | 4,582 |
| Average earning assets | $106,273,000 | 4,609 |
| Average equity | $11,910,400 | 4,850 |
| Average total loans | $50,703,200 | 5,676 |