Home > North Texas Bank > Performance and Condition Ratios
North Texas 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 | 0.8203% | 6,479 |
| Cost of funding earning assets | 0.0397% | 6,444 |
| Net interest margin | 0.7807% | 6,477 |
| Noninterest income to average assets | 0.0658% | 6,257 |
| Noninterest expense to average assets | 0.3640% | 6,492 |
| Loan and lease loss provision to assets | 0.0063% | 4,501 |
| Net operating income to assets | 0.2937% | 5,535 |
| Return on assets (ROA) | 0.2937% | 5,603 |
| Pretax return on assets | 0.2937% | 5,715 |
| Return on Equity (ROE) | 2.6494% | 5,587 |
| Retained earnings to average equity (ytd only) | 0.9364% | 5,360 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8141% | 5,778 |
| Assets per employee ($millions) | 6.1875% | 1,255 |
| Cash dividends to net income (ytd only)* | 64.6552% | 1,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0095% | 6,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 56.9544% | 4,204 |
| Net loans and leases to deposits | 66.2060% | 4,298 |
| Net loans and leases to core deposits | 71.8277% | 4,143 |
| Total domestic deposits to total assets | 86.0261% | 2,825 |
| Equity capital to assets | 13.9185% | 987 |
| Core capital (leverage) ratio | 8.8983% | 5,124 |
| Tier 1 risk-based capital ratio | 13.3940% | 4,467 |
| Total risk-based capital ratio | 13.4028% | 5,168 |
| Memoranda: | ||
| Average total assets | $157,974,200 | 3,523 |
| Average earning assets | $121,047,000 | 3,939 |
| Average equity | $17,513,200 | 3,454 |
| Average total loans | $106,802,600 | 3,291 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5297% | 307 |
| Cost of funding earning assets | 0.2458% | 5,447 |
| Net interest margin | 5.2839% | 179 |
| Noninterest income to average assets | 0.3433% | 4,691 |
| Noninterest expense to average assets | 2.8253% | 3,366 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.6346% | 694 |
| Return on assets (ROA) | 1.6346% | 720 |
| Pretax return on assets | 1.6346% | 1,225 |
| Return on Equity (ROE) | 16.0005% | 674 |
| Retained earnings to average equity (ytd only) | 12.5792% | 370 |
| Net charge-offs to loans | -0.0025% | 5,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3485% | 4,653 |
| Assets per employee ($millions) | 5.6394% | 1,605 |
| Cash dividends to net income (ytd only)* | 21.3824% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3035% | 3,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 5,278 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.7671% | 2,232 |
| Net loans and leases to deposits | 77.9808% | 2,954 |
| Net loans and leases to core deposits | 85.5225% | 2,714 |
| Total domestic deposits to total assets | 89.4670% | 998 |
| Equity capital to assets | 10.3025% | 3,782 |
| Core capital (leverage) ratio | 10.2041% | 3,407 |
| Tier 1 risk-based capital ratio | 14.9084% | 3,642 |
| Total risk-based capital ratio | 16.1593% | 3,572 |
| Memoranda: | ||
| Average total assets | $151,061,750 | 3,640 |
| Average earning assets | $117,688,750 | 4,042 |
| Average equity | $15,432,500 | 3,782 |
| Average total loans | $107,070,500 | 3,303 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4864% | 315 |
| Cost of funding earning assets | 0.2424% | 5,562 |
| Net interest margin | 5.2440% | 185 |
| Noninterest income to average assets | 0.3334% | 4,758 |
| Noninterest expense to average assets | 2.7611% | 3,657 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.7018% | 577 |
| Return on assets (ROA) | 1.7018% | 604 |
| Pretax return on assets | 1.7018% | 1,017 |
| Return on Equity (ROE) | 16.7085% | 584 |
| Retained earnings to average equity (ytd only) | 11.4821% | 479 |
| Net charge-offs to loans | -0.0019% | 5,057 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8675% | 5,032 |
| Assets per employee ($millions) | 5.1592% | 2,020 |
| Cash dividends to net income (ytd only)* | 31.2796% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3307% | 3,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 5,386 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 69.6566% | 2,134 |
| Net loans and leases to deposits | 77.6608% | 2,844 |
| Net loans and leases to core deposits | 85.3036% | 2,580 |
| Total domestic deposits to total assets | 89.6934% | 972 |
| Equity capital to assets | 10.1450% | 3,909 |
| Core capital (leverage) ratio | 10.1654% | 3,395 |
| Tier 1 risk-based capital ratio | 14.7118% | 3,804 |
| Total risk-based capital ratio | 15.9637% | 3,755 |
| Memoranda: | ||
| Average total assets | $148,781,000 | 3,696 |
| Average earning assets | $117,161,670 | 4,076 |
| Average equity | $15,154,000 | 3,828 |
| Average total loans | $105,554,000 | 3,346 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3919% | 352 |
| Cost of funding earning assets | 0.2446% | 5,639 |
| Net interest margin | 5.1473% | 207 |
| Noninterest income to average assets | 0.3293% | 4,736 |
| Noninterest expense to average assets | 2.7959% | 3,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6326% | 636 |
| Return on assets (ROA) | 1.6326% | 664 |
| Pretax return on assets | 1.6326% | 1,103 |
| Return on Equity (ROE) | 15.9946% | 640 |
| Retained earnings to average equity (ytd only) | 5.3495% | 2,889 |
| Net charge-offs to loans | -0.0039% | 4,774 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1351% | 4,984 |
| Assets per employee ($millions) | 5.1992% | 2,012 |
| Cash dividends to net income (ytd only)* | 66.5546% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3816% | 3,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2535% | 5,426 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 71.2903% | 1,685 |
| Net loans and leases to deposits | 79.5827% | 2,355 |
| Net loans and leases to core deposits | 87.7086% | 2,128 |
| Total domestic deposits to total assets | 89.5802% | 1,323 |
| Equity capital to assets | 10.2969% | 3,477 |
| Core capital (leverage) ratio | 10.2430% | 3,227 |
| Tier 1 risk-based capital ratio | 14.6055% | 3,945 |
| Total risk-based capital ratio | 15.8576% | 3,892 |
| Memoranda: | ||
| Average total assets | $145,784,000 | 3,769 |
| Average earning assets | $116,100,500 | 4,137 |
| Average equity | $14,880,000 | 3,883 |
| Average total loans | $103,698,500 | 3,396 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1991% | 640 |
| Cost of funding earning assets | 0.3265% | 5,360 |
| Net interest margin | 4.8726% | 382 |
| Noninterest income to average assets | 0.3506% | 4,808 |
| Noninterest expense to average assets | 2.6950% | 4,117 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4479% | 919 |
| Return on assets (ROA) | 1.4479% | 963 |
| Pretax return on assets | 1.4479% | 1,626 |
| Return on Equity (ROE) | 14.5604% | 839 |
| Retained earnings to average equity (ytd only) | 10.8703% | 433 |
| Net charge-offs to loans | 0.0533% | 4,476 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 41.6327% | 918 |
| Efficiency ratio | 65.0505% | 4,721 |
| Assets per employee ($millions) | 5.0341% | 2,144 |
| Cash dividends to net income (ytd only)* | 25.3431% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4223% | 3,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2528% | 5,506 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 68.9821% | 2,177 |
| Net loans and leases to deposits | 76.8228% | 2,881 |
| Net loans and leases to core deposits | 85.2546% | 2,536 |
| Total domestic deposits to total assets | 89.7938% | 1,181 |
| Equity capital to assets | 10.1171% | 3,608 |
| Core capital (leverage) ratio | 10.2406% | 3,230 |
| Tier 1 risk-based capital ratio | 14.6002% | 3,900 |
| Total risk-based capital ratio | 15.8530% | 3,837 |
| Memoranda: | ||
| Average total assets | $140,889,200 | 3,860 |
| Average earning assets | $109,653,800 | 4,272 |
| Average equity | $14,010,600 | 4,070 |
| Average total loans | $91,977,800 | 3,642 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1456% | 717 |
| Cost of funding earning assets | 0.3478% | 5,315 |
| Net interest margin | 4.7978% | 429 |
| Noninterest income to average assets | 0.3476% | 4,905 |
| Noninterest expense to average assets | 2.6405% | 4,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4220% | 1,051 |
| Return on assets (ROA) | 1.4220% | 1,107 |
| Pretax return on assets | 1.4220% | 1,864 |
| Return on Equity (ROE) | 14.3645% | 914 |
| Retained earnings to average equity (ytd only) | 9.3770% | 940 |
| Net charge-offs to loans | 0.0745% | 3,874 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 29.7777% | 1,239 |
| Efficiency ratio | 64.9976% | 4,649 |
| Assets per employee ($millions) | 5.1688% | 1,966 |
| Cash dividends to net income (ytd only)* | 34.7216% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4692% | 3,596 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 5,673 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 67.2851% | 2,417 |
| Net loans and leases to deposits | 74.7729% | 3,119 |
| Net loans and leases to core deposits | 83.0291% | 2,759 |
| Total domestic deposits to total assets | 89.9859% | 1,006 |
| Equity capital to assets | 9.8262% | 4,142 |
| Core capital (leverage) ratio | 9.9507% | 3,741 |
| Tier 1 risk-based capital ratio | 14.4496% | 4,106 |
| Total risk-based capital ratio | 15.6991% | 4,071 |
| Memoranda: | ||
| Average total assets | $139,614,000 | 3,923 |
| Average earning assets | $108,102,000 | 4,352 |
| Average equity | $13,820,750 | 4,149 |
| Average total loans | $89,432,250 | 3,733 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1050% | 766 |
| Cost of funding earning assets | 0.3728% | 5,206 |
| Net interest margin | 4.7322% | 475 |
| Noninterest income to average assets | 0.3263% | 5,084 |
| Noninterest expense to average assets | 2.6176% | 4,324 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3531% | 1,185 |
| Return on assets (ROA) | 1.3531% | 1,269 |
| Pretax return on assets | 1.3531% | 2,107 |
| Return on Equity (ROE) | 13.6330% | 1,087 |
| Retained earnings to average equity (ytd only) | 9.9070% | 865 |
| Net charge-offs to loans | 0.1182% | 3,186 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 18.2941% | 1,562 |
| Efficiency ratio | 65.9240% | 4,561 |
| Assets per employee ($millions) | 4.9251% | 2,195 |
| Cash dividends to net income (ytd only)* | 27.3312% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6612% | 2,931 |
| Loan loss allowance to noncurrent loans | 414.5714% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.2538% | 5,730 |
| Noncurrent loans to loans | 0.4007% | 5,268 |
| Net loans and leases to total assets | 62.2863% | 3,237 |
| Net loans and leases to deposits | 69.4149% | 3,797 |
| Net loans and leases to core deposits | 77.6928% | 3,336 |
| Total domestic deposits to total assets | 89.7304% | 1,187 |
| Equity capital to assets | 10.1159% | 3,771 |
| Core capital (leverage) ratio | 9.9996% | 3,520 |
| Tier 1 risk-based capital ratio | 15.5320% | 3,466 |
| Total risk-based capital ratio | 16.7873% | 3,412 |
| Memoranda: | ||
| Average total assets | $137,910,000 | 3,988 |
| Average earning assets | $106,209,330 | 4,427 |
| Average equity | $13,687,330 | 4,209 |
| Average total loans | $86,299,330 | 3,813 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9420% | 988 |
| Cost of funding earning assets | 0.3714% | 5,354 |
| Net interest margin | 4.5706% | 590 |
| Noninterest income to average assets | 0.3422% | 4,955 |
| Noninterest expense to average assets | 2.4711% | 4,863 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4763% | 899 |
| Return on assets (ROA) | 1.4763% | 978 |
| Pretax return on assets | 1.4763% | 1,630 |
| Return on Equity (ROE) | 15.0192% | 765 |
| Retained earnings to average equity (ytd only) | 7.4948% | 1,943 |
| Net charge-offs to loans | -0.0047% | 5,251 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6010% | 5,217 |
| Assets per employee ($millions) | 5.2616% | 1,911 |
| Cash dividends to net income (ytd only)* | 50.0982% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 2,884 |
| Loan loss allowance to noncurrent loans | 429.4286% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.4898% | 5,151 |
| Noncurrent loans to loans | 0.4026% | 5,416 |
| Net loans and leases to total assets | 62.4552% | 2,974 |
| Net loans and leases to deposits | 69.4561% | 3,584 |
| Net loans and leases to core deposits | 77.9733% | 3,064 |
| Total domestic deposits to total assets | 89.9205% | 1,098 |
| Equity capital to assets | 9.9845% | 4,168 |
| Core capital (leverage) ratio | 9.8695% | 3,573 |
| Tier 1 risk-based capital ratio | 15.1897% | 3,713 |
| Total risk-based capital ratio | 16.3743% | 3,709 |
| Memoranda: | ||
| Average total assets | $137,914,000 | 4,022 |
| Average earning assets | $108,782,500 | 4,399 |
| Average equity | $13,556,000 | 4,276 |
| Average total loans | $85,776,500 | 3,845 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8786% | 1,914 |
| Cost of funding earning assets | 0.4404% | 5,649 |
| Net interest margin | 4.4383% | 1,070 |
| Noninterest income to average assets | 0.3294% | 5,101 |
| Noninterest expense to average assets | 2.6351% | 4,620 |
| Loan and lease loss provision to assets | 0.0149% | 5,720 |
| Net operating income to assets | 1.5110% | 894 |
| Return on assets (ROA) | 1.5275% | 961 |
| Pretax return on assets | 1.5275% | 1,606 |
| Return on Equity (ROE) | 16.1998% | 632 |
| Retained earnings to average equity (ytd only) | 10.1081% | 580 |
| Net charge-offs to loans | 0.0011% | 5,975 |
| Credit loss provision to net charge-offs | 2,000.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 2,043.0000% | 14 |
| Efficiency ratio | 63.3279% | 5,010 |
| Assets per employee ($millions) | 5.5610% | 1,631 |
| Cash dividends to net income (ytd only)* | 37.6039% | 2,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7752% | 2,669 |
| Loan loss allowance to noncurrent loans | 429.1429% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.4819% | 5,268 |
| Noncurrent loans to loans | 0.4137% | 5,449 |
| Net loans and leases to total assets | 59.7787% | 3,641 |
| Net loans and leases to deposits | 66.2992% | 4,237 |
| Net loans and leases to core deposits | 74.2294% | 3,753 |
| Total domestic deposits to total assets | 90.1651% | 867 |
| Equity capital to assets | 9.6766% | 4,624 |
| Core capital (leverage) ratio | 9.6787% | 3,845 |
| Tier 1 risk-based capital ratio | 15.5327% | 3,402 |
| Total risk-based capital ratio | 16.7893% | 3,364 |
| Memoranda: | ||
| Average total assets | $133,883,200 | 4,064 |
| Average earning assets | $115,585,800 | 4,220 |
| Average equity | $12,623,600 | 4,440 |
| Average total loans | $87,471,800 | 3,815 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9015% | 2,005 |
| Cost of funding earning assets | 0.4573% | 5,742 |
| Net interest margin | 4.4442% | 1,105 |
| Noninterest income to average assets | 0.3127% | 5,282 |
| Noninterest expense to average assets | 2.6777% | 4,465 |
| Loan and lease loss provision to assets | 0.0201% | 5,547 |
| Net operating income to assets | 1.4942% | 1,029 |
| Return on assets (ROA) | 1.5163% | 1,099 |
| Pretax return on assets | 1.5163% | 1,819 |
| Return on Equity (ROE) | 16.1935% | 717 |
| Retained earnings to average equity (ytd only) | 7.9356% | 1,640 |
| Net charge-offs to loans | 0.0045% | 5,700 |
| Credit loss provision to net charge-offs | 666.6667% | 404 |
| Earnings coverage of net charge-offs (x) | 501.9875% | 89 |
| Efficiency ratio | 63.8762% | 4,822 |
| Assets per employee ($millions) | 5.3659% | 1,767 |
| Cash dividends to net income (ytd only)* | 50.9947% | 1,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6713% | 3,253 |
| Loan loss allowance to noncurrent loans | 428.5714% | 880 |
| Noncurrent assets plus other real estate owned to assets | 0.6254% | 5,105 |
| Noncurrent loans to loans | 0.3900% | 5,682 |
| Net loans and leases to total assets | 65.7845% | 2,692 |
| Net loans and leases to deposits | 72.9606% | 3,454 |
| Net loans and leases to core deposits | 81.8377% | 2,984 |
| Total domestic deposits to total assets | 90.1645% | 757 |
| Equity capital to assets | 9.6514% | 4,992 |
| Core capital (leverage) ratio | 9.4383% | 4,365 |
| Tier 1 risk-based capital ratio | 14.0311% | 4,496 |
| Total risk-based capital ratio | 15.2885% | 4,451 |
| Memoranda: | ||
| Average total assets | $132,597,500 | 4,122 |
| Average earning assets | $115,744,000 | 4,252 |
| Average equity | $12,416,250 | 4,521 |
| Average total loans | $88,187,250 | 3,835 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8208% | 2,425 |
| Cost of funding earning assets | 0.4761% | 5,790 |
| Net interest margin | 4.3447% | 1,355 |
| Noninterest income to average assets | 0.2968% | 5,431 |
| Noninterest expense to average assets | 2.7529% | 4,209 |
| Loan and lease loss provision to assets | 0.0303% | 5,289 |
| Net operating income to assets | 1.3689% | 1,259 |
| Return on assets (ROA) | 1.4022% | 1,328 |
| Pretax return on assets | 1.4022% | 2,187 |
| Return on Equity (ROE) | 15.1315% | 915 |
| Retained earnings to average equity (ytd only) | 6.8958% | 2,164 |
| Net charge-offs to loans | 0.0068% | 5,389 |
| Credit loss provision to net charge-offs | 666.6667% | 478 |
| Earnings coverage of net charge-offs (x) | 308.0000% | 133 |
| Efficiency ratio | 66.3020% | 4,484 |
| Assets per employee ($millions) | 5.2963% | 1,820 |
| Cash dividends to net income (ytd only)* | 54.4276% | 1,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7301% | 3,110 |
| Loan loss allowance to noncurrent loans | 401.0695% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.6518% | 5,151 |
| Noncurrent loans to loans | 0.4314% | 5,673 |
| Net loans and leases to total assets | 64.3486% | 2,963 |
| Net loans and leases to deposits | 71.2808% | 3,727 |
| Net loans and leases to core deposits | 80.0507% | 3,215 |
| Total domestic deposits to total assets | 90.2747% | 778 |
| Equity capital to assets | 9.4851% | 5,089 |
| Core capital (leverage) ratio | 9.3308% | 4,411 |
| Tier 1 risk-based capital ratio | 14.4702% | 4,122 |
| Total risk-based capital ratio | 15.6941% | 4,106 |
| Memoranda: | ||
| Average total assets | $132,081,000 | 4,158 |
| Average earning assets | $117,201,330 | 4,235 |
| Average equity | $12,239,330 | 4,554 |
| Average total loans | $87,667,000 | 3,863 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 2,221 |
| Cost of funding earning assets | 0.5220% | 5,667 |
| Net interest margin | 4.3821% | 1,266 |
| Noninterest income to average assets | 0.2972% | 5,497 |
| Noninterest expense to average assets | 2.7441% | 4,267 |
| Loan and lease loss provision to assets | 0.0606% | 4,655 |
| Net operating income to assets | 1.3615% | 1,293 |
| Return on assets (ROA) | 1.3615% | 1,455 |
| Pretax return on assets | 1.3615% | 2,330 |
| Return on Equity (ROE) | 14.8682% | 998 |
| Retained earnings to average equity (ytd only) | -1.8213% | 6,255 |
| Net charge-offs to loans | 0.0136% | 4,507 |
| Credit loss provision to net charge-offs | 666.6667% | 518 |
| Earnings coverage of net charge-offs (x) | 156.3333% | 236 |
| Efficiency ratio | 65.8661% | 4,580 |
| Assets per employee ($millions) | 4.7169% | 2,640 |
| Cash dividends to net income (ytd only)* | 112.2494% | 459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7223% | 3,258 |
| Loan loss allowance to noncurrent loans | 422.5352% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.6390% | 5,293 |
| Noncurrent loans to loans | 0.4076% | 5,856 |
| Net loans and leases to total assets | 64.8063% | 2,689 |
| Net loans and leases to deposits | 71.4622% | 3,516 |
| Net loans and leases to core deposits | 80.4623% | 3,017 |
| Total domestic deposits to total assets | 90.6861% | 699 |
| Equity capital to assets | 9.1238% | 5,327 |
| Core capital (leverage) ratio | 9.0775% | 4,716 |
| Tier 1 risk-based capital ratio | 13.8035% | 4,608 |
| Total risk-based capital ratio | 15.0595% | 4,579 |
| Memoranda: | ||
| Average total assets | $131,918,000 | 4,188 |
| Average earning assets | $116,473,500 | 4,284 |
| Average equity | $12,079,500 | 4,596 |
| Average total loans | $88,149,500 | 3,881 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1124% | 2,405 |
| Cost of funding earning assets | 0.6974% | 5,557 |
| Net interest margin | 4.4150% | 1,359 |
| Noninterest income to average assets | 0.3401% | 5,095 |
| Noninterest expense to average assets | 3.0769% | 3,285 |
| Loan and lease loss provision to assets | 0.1378% | 4,894 |
| Net operating income to assets | 1.1645% | 1,627 |
| Return on assets (ROA) | 1.1645% | 1,731 |
| Pretax return on assets | 1.1645% | 2,597 |
| Return on Equity (ROE) | 12.9447% | 1,179 |
| Retained earnings to average equity (ytd only) | 11.8822% | 316 |
| Net charge-offs to loans | 0.0280% | 6,043 |
| Credit loss provision to net charge-offs | 692.0000% | 320 |
| Earnings coverage of net charge-offs (x) | 65.4000% | 454 |
| Efficiency ratio | 70.2619% | 3,893 |
| Assets per employee ($millions) | 5.0678% | 2,109 |
| Cash dividends to net income (ytd only)* | 8.2079% | 3,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6624% | 3,328 |
| Loan loss allowance to noncurrent loans | 291.9291% | 1,131 |
| Noncurrent assets plus other real estate owned to assets | 0.7567% | 5,132 |
| Noncurrent loans to loans | 0.5695% | 5,572 |
| Net loans and leases to total assets | 66.5774% | 2,668 |
| Net loans and leases to deposits | 73.4051% | 3,596 |
| Net loans and leases to core deposits | 84.2093% | 2,866 |
| Total domestic deposits to total assets | 90.6985% | 631 |
| Equity capital to assets | 9.1899% | 5,306 |
| Core capital (leverage) ratio | 9.2380% | 4,414 |
| Tier 1 risk-based capital ratio | 13.7994% | 4,480 |
| Total risk-based capital ratio | 15.0663% | 4,421 |
| Memoranda: | ||
| Average total assets | $125,547,800 | 4,259 |
| Average earning assets | $114,858,400 | 4,264 |
| Average equity | $11,294,200 | 4,717 |
| Average total loans | $89,368,400 | 3,872 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1423% | 2,416 |
| Cost of funding earning assets | 0.7228% | 5,639 |
| Net interest margin | 4.4195% | 1,350 |
| Noninterest income to average assets | 0.3462% | 5,091 |
| Noninterest expense to average assets | 3.2076% | 2,809 |
| Loan and lease loss provision to assets | 0.1043% | 5,142 |
| Net operating income to assets | 1.1172% | 1,912 |
| Return on assets (ROA) | 1.1172% | 2,050 |
| Pretax return on assets | 1.1172% | 2,935 |
| Return on Equity (ROE) | 12.4909% | 1,414 |
| Retained earnings to average equity (ytd only) | 11.0482% | 625 |
| Net charge-offs to loans | 0.0343% | 5,671 |
| Credit loss provision to net charge-offs | 421.7391% | 669 |
| Earnings coverage of net charge-offs (x) | 49.3847% | 650 |
| Efficiency ratio | 72.4205% | 3,470 |
| Assets per employee ($millions) | 4.8738% | 2,363 |
| Cash dividends to net income (ytd only)* | 11.5498% | 3,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5637% | 3,830 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3859% | 6,112 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 69.9958% | 2,084 |
| Net loans and leases to deposits | 77.2557% | 3,126 |
| Net loans and leases to core deposits | 89.1285% | 2,347 |
| Total domestic deposits to total assets | 90.6028% | 588 |
| Equity capital to assets | 9.2236% | 5,476 |
| Core capital (leverage) ratio | 9.1143% | 4,768 |
| Tier 1 risk-based capital ratio | 13.4864% | 4,743 |
| Total risk-based capital ratio | 14.7417% | 4,712 |
| Memoranda: | ||
| Average total assets | $123,993,750 | 4,314 |
| Average earning assets | $114,549,250 | 4,294 |
| Average equity | $11,090,500 | 4,785 |
| Average total loans | $89,408,500 | 3,908 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1650% | 2,397 |
| Cost of funding earning assets | 0.7510% | 5,661 |
| Net interest margin | 4.4140% | 1,328 |
| Noninterest income to average assets | 0.3396% | 5,167 |
| Noninterest expense to average assets | 3.2790% | 2,637 |
| Loan and lease loss provision to assets | 0.0601% | 5,560 |
| Net operating income to assets | 1.0692% | 1,974 |
| Return on assets (ROA) | 1.0692% | 2,061 |
| Pretax return on assets | 1.0692% | 2,968 |
| Return on Equity (ROE) | 12.0830% | 1,466 |
| Retained earnings to average equity (ytd only) | 9.8794% | 881 |
| Net charge-offs to loans | 0.0516% | 5,136 |
| Credit loss provision to net charge-offs | 160.8696% | 1,884 |
| Earnings coverage of net charge-offs (x) | 30.2174% | 917 |
| Efficiency ratio | 74.3826% | 3,295 |
| Assets per employee ($millions) | 4.7380% | 2,493 |
| Cash dividends to net income (ytd only)* | 18.2371% | 2,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4891% | 4,182 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2598% | 6,479 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 72.4427% | 1,701 |
| Net loans and leases to deposits | 79.8454% | 2,828 |
| Net loans and leases to core deposits | 93.8341% | 1,915 |
| Total domestic deposits to total assets | 90.7287% | 620 |
| Equity capital to assets | 9.1268% | 5,387 |
| Core capital (leverage) ratio | 8.8820% | 4,912 |
| Tier 1 risk-based capital ratio | 12.1799% | 5,628 |
| Total risk-based capital ratio | 13.4330% | 5,611 |
| Memoranda: | ||
| Average total assets | $123,085,330 | 4,362 |
| Average earning assets | $113,456,000 | 4,348 |
| Average equity | $10,891,330 | 4,827 |
| Average total loans | $89,175,670 | 3,961 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 2,535 |
| Cost of funding earning assets | 0.7721% | 5,739 |
| Net interest margin | 4.3529% | 1,418 |
| Noninterest income to average assets | 0.3349% | 5,228 |
| Noninterest expense to average assets | 3.1568% | 3,042 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1737% | 1,590 |
| Return on assets (ROA) | 1.1737% | 1,642 |
| Pretax return on assets | 1.1737% | 2,468 |
| Return on Equity (ROE) | 13.4758% | 1,094 |
| Retained earnings to average equity (ytd only) | 8.9963% | 1,379 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8979% | 3,700 |
| Assets per employee ($millions) | 4.6613% | 2,637 |
| Cash dividends to net income (ytd only)* | 33.2410% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 4,208 |
| Loan loss allowance to noncurrent loans | 3,814.2857% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.2821% | 6,483 |
| Noncurrent loans to loans | 0.0393% | 6,951 |
| Net loans and leases to total assets | 69.6370% | 2,195 |
| Net loans and leases to deposits | 76.2978% | 3,369 |
| Net loans and leases to core deposits | 89.2293% | 2,449 |
| Total domestic deposits to total assets | 91.2700% | 502 |
| Equity capital to assets | 8.6290% | 5,742 |
| Core capital (leverage) ratio | 8.8253% | 4,889 |
| Tier 1 risk-based capital ratio | 12.7704% | 4,997 |
| Total risk-based capital ratio | 14.0281% | 4,971 |
| Memoranda: | ||
| Average total assets | $123,034,500 | 4,392 |
| Average earning assets | $112,935,500 | 4,384 |
| Average equity | $10,715,500 | 4,864 |
| Average total loans | $88,469,000 | 4,006 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4882% | 2,340 |
| Cost of funding earning assets | 1.1335% | 4,945 |
| Net interest margin | 4.3547% | 1,635 |
| Noninterest income to average assets | 0.3355% | 5,385 |
| Noninterest expense to average assets | 3.4089% | 2,416 |
| Loan and lease loss provision to assets | 0.4948% | 3,179 |
| Net operating income to assets | 0.4266% | 4,427 |
| Return on assets (ROA) | 0.4820% | 4,342 |
| Pretax return on assets | 0.4820% | 4,684 |
| Return on Equity (ROE) | 5.5795% | 3,807 |
| Retained earnings to average equity (ytd only) | 3.8939% | 3,143 |
| Net charge-offs to loans | 0.3910% | 4,082 |
| Credit loss provision to net charge-offs | 175.0000% | 1,909 |
| Earnings coverage of net charge-offs (x) | 3.2590% | 3,448 |
| Efficiency ratio | 78.7217% | 2,574 |
| Assets per employee ($millions) | 4.4524% | 2,951 |
| Cash dividends to net income (ytd only)* | 30.2120% | 3,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,909 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2662% | 6,580 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 72.0601% | 2,094 |
| Net loans and leases to deposits | 79.0970% | 3,322 |
| Net loans and leases to core deposits | 92.3992% | 2,451 |
| Total domestic deposits to total assets | 91.1034% | 554 |
| Equity capital to assets | 8.7934% | 5,444 |
| Core capital (leverage) ratio | 8.6863% | 5,045 |
| Tier 1 risk-based capital ratio | 12.8286% | 4,745 |
| Total risk-based capital ratio | 14.0837% | 4,708 |
| Memoranda: | ||
| Average total assets | $117,429,000 | 4,542 |
| Average earning assets | $107,723,000 | 4,518 |
| Average equity | $10,144,200 | 5,091 |
| Average total loans | $84,919,600 | 4,185 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4617% | 2,593 |
| Cost of funding earning assets | 1.1947% | 4,892 |
| Net interest margin | 4.2670% | 1,965 |
| Noninterest income to average assets | 0.3210% | 5,586 |
| Noninterest expense to average assets | 3.4368% | 2,190 |
| Loan and lease loss provision to assets | 0.4237% | 3,370 |
| Net operating income to assets | 0.3849% | 4,815 |
| Return on assets (ROA) | 0.4580% | 4,686 |
| Pretax return on assets | 0.4580% | 5,051 |
| Return on Equity (ROE) | 5.3265% | 4,124 |
| Retained earnings to average equity (ytd only) | 3.0551% | 4,298 |
| Net charge-offs to loans | 0.5307% | 3,177 |
| Credit loss provision to net charge-offs | 110.7463% | 3,821 |
| Earnings coverage of net charge-offs (x) | 2.1134% | 4,141 |
| Efficiency ratio | 80.9524% | 2,219 |
| Assets per employee ($millions) | 4.4309% | 3,024 |
| Cash dividends to net income (ytd only)* | 42.6429% | 1,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2528% | 5,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2675% | 6,705 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 73.9253% | 1,820 |
| Net loans and leases to deposits | 81.8236% | 3,141 |
| Net loans and leases to core deposits | 95.6449% | 2,303 |
| Total domestic deposits to total assets | 90.3471% | 700 |
| Equity capital to assets | 8.8245% | 5,818 |
| Core capital (leverage) ratio | 8.5615% | 5,401 |
| Tier 1 risk-based capital ratio | 12.3688% | 5,103 |
| Total risk-based capital ratio | 13.6197% | 5,079 |
| Memoranda: | ||
| Average total assets | $116,732,500 | 4,618 |
| Average earning assets | $107,363,500 | 4,585 |
| Average equity | $10,037,500 | 5,185 |
| Average total loans | $84,159,000 | 4,280 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4126% | 2,924 |
| Cost of funding earning assets | 1.2389% | 4,900 |
| Net interest margin | 4.1737% | 2,248 |
| Noninterest income to average assets | 0.3110% | 5,680 |
| Noninterest expense to average assets | 3.5779% | 1,837 |
| Loan and lease loss provision to assets | 0.3041% | 3,962 |
| Net operating income to assets | 0.2643% | 5,320 |
| Return on assets (ROA) | 0.3749% | 5,037 |
| Pretax return on assets | 0.3749% | 5,292 |
| Return on Equity (ROE) | 4.3997% | 4,599 |
| Retained earnings to average equity (ytd only) | 0.9327% | 5,386 |
| Net charge-offs to loans | 0.0219% | 6,032 |
| Credit loss provision to net charge-offs | 1,955.5556% | 210 |
| Earnings coverage of net charge-offs (x) | 36.5556% | 786 |
| Efficiency ratio | 86.2917% | 1,676 |
| Assets per employee ($millions) | 4.1516% | 3,485 |
| Cash dividends to net income (ytd only)* | 78.8018% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 4,452 |
| Loan loss allowance to noncurrent loans | 204.7386% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.5083% | 6,186 |
| Noncurrent loans to loans | 0.6818% | 5,886 |
| Net loans and leases to total assets | 73.5199% | 2,023 |
| Net loans and leases to deposits | 81.2556% | 3,393 |
| Net loans and leases to core deposits | 97.7548% | 2,257 |
| Total domestic deposits to total assets | 90.4798% | 693 |
| Equity capital to assets | 8.5078% | 6,156 |
| Core capital (leverage) ratio | 8.0878% | 6,142 |
| Tier 1 risk-based capital ratio | 12.1221% | 5,196 |
| Total risk-based capital ratio | 13.3748% | 5,174 |
| Memoranda: | ||
| Average total assets | $115,765,670 | 4,661 |
| Average earning assets | $106,381,000 | 4,636 |
| Average equity | $9,864,330 | 5,241 |
| Average total loans | $82,358,330 | 4,373 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4091% | 2,994 |
| Cost of funding earning assets | 1.2337% | 5,213 |
| Net interest margin | 4.1754% | 2,139 |
| Noninterest income to average assets | 0.3103% | 5,666 |
| Noninterest expense to average assets | 3.8219% | 1,295 |
| Loan and lease loss provision to assets | 0.1587% | 4,945 |
| Net operating income to assets | 0.1481% | 5,867 |
| Return on assets (ROA) | 0.1481% | 5,991 |
| Pretax return on assets | 0.1481% | 6,024 |
| Return on Equity (ROE) | 1.7364% | 5,869 |
| Retained earnings to average equity (ytd only) | -5.3333% | 6,611 |
| Net charge-offs to loans | 0.0102% | 5,446 |
| Credit loss provision to net charge-offs | 2,250.0000% | 228 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 636 |
| Efficiency ratio | 92.5705% | 1,241 |
| Assets per employee ($millions) | 4.3160% | 3,261 |
| Cash dividends to net income (ytd only)* | 407.1429% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3450% | 4,708 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 68.5271% | 3,272 |
| Net loans and leases to deposits | 74.8065% | 4,620 |
| Net loans and leases to core deposits | 92.2327% | 3,077 |
| Total domestic deposits to total assets | 91.6059% | 344 |
| Equity capital to assets | 8.2427% | 6,377 |
| Core capital (leverage) ratio | 8.5942% | 5,215 |
| Tier 1 risk-based capital ratio | 12.2410% | 4,952 |
| Total risk-based capital ratio | 13.4928% | 4,928 |
| Memoranda: | ||
| Average total assets | $113,450,500 | 4,783 |
| Average earning assets | $103,751,500 | 4,760 |
| Average equity | $9,675,000 | 5,328 |
| Average total loans | $78,653,500 | 4,556 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 4,089 |
| Cost of funding earning assets | 1.2250% | 6,572 |
| Net interest margin | 4.2858% | 1,760 |
| Noninterest income to average assets | 0.4792% | 4,574 |
| Noninterest expense to average assets | 3.8447% | 1,611 |
| Loan and lease loss provision to assets | 0.5249% | 3,748 |
| Net operating income to assets | 0.0103% | 5,457 |
| Return on assets (ROA) | 0.2161% | 4,906 |
| Pretax return on assets | 0.2161% | 4,968 |
| Return on Equity (ROE) | 2.2123% | 4,827 |
| Retained earnings to average equity (ytd only) | 2.2123% | 3,563 |
| Net charge-offs to loans | 0.0036% | 7,197 |
| Credit loss provision to net charge-offs | 22,950.0000% | 19 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 120 |
| Efficiency ratio | 87.7807% | 1,901 |
| Assets per employee ($millions) | 3.6570% | 4,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 3,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.1530% | 3,674 |
| Net loans and leases to deposits | 74.9168% | 4,887 |
| Net loans and leases to core deposits | 108.5629% | 3,047 |
| Total domestic deposits to total assets | 90.9716% | 543 |
| Equity capital to assets | 8.8530% | 5,354 |
| Core capital (leverage) ratio | 9.3301% | 3,928 |
| Tier 1 risk-based capital ratio | 12.1062% | 4,844 |
| Total risk-based capital ratio | 13.3580% | 4,812 |
| Memoranda: | ||
| Average total assets | $87,445,200 | 5,469 |
| Average earning assets | $79,588,600 | 5,470 |
| Average equity | $8,543,200 | 5,752 |
| Average total loans | $56,286,800 | 5,407 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5620% | 4,089 |
| Cost of funding earning assets | 1.2336% | 6,789 |
| Net interest margin | 4.3283% | 1,648 |
| Noninterest income to average assets | 0.4928% | 4,546 |
| Noninterest expense to average assets | 3.8907% | 1,445 |
| Loan and lease loss provision to assets | 0.2496% | 4,956 |
| Net operating income to assets | 0.2963% | 4,800 |
| Return on assets (ROA) | 0.5862% | 3,717 |
| Pretax return on assets | 0.5862% | 4,225 |
| Return on Equity (ROE) | 5.8249% | 3,593 |
| Retained earnings to average equity (ytd only) | 5.8249% | 2,028 |
| Net charge-offs to loans | 0.0051% | 6,894 |
| Credit loss provision to net charge-offs | 7,750.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 169.2846% | 224 |
| Efficiency ratio | 87.6951% | 1,899 |
| Assets per employee ($millions) | 3.9401% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 4,186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.7818% | 4,472 |
| Net loans and leases to deposits | 73.1123% | 5,494 |
| Net loans and leases to core deposits | 95.4790% | 4,868 |
| Total domestic deposits to total assets | 89.9737% | 774 |
| Equity capital to assets | 9.7921% | 4,361 |
| Core capital (leverage) ratio | 9.6142% | 3,769 |
| Tier 1 risk-based capital ratio | 13.4369% | 3,902 |
| Total risk-based capital ratio | 14.6928% | 3,833 |
| Memoranda: | ||
| Average total assets | $82,793,000 | 5,666 |
| Average earning assets | $75,438,750 | 5,655 |
| Average equity | $8,331,750 | 5,878 |
| Average total loans | $52,017,250 | 5,634 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5103% | 4,567 |
| Cost of funding earning assets | 1.2504% | 6,957 |
| Net interest margin | 4.2599% | 1,781 |
| Noninterest income to average assets | 0.5178% | 4,287 |
| Noninterest expense to average assets | 3.8971% | 1,494 |
| Loan and lease loss provision to assets | 0.2699% | 4,423 |
| Net operating income to assets | 0.2552% | 5,066 |
| Return on assets (ROA) | 0.6970% | 3,378 |
| Pretax return on assets | 0.6970% | 4,005 |
| Return on Equity (ROE) | 6.8602% | 3,261 |
| Retained earnings to average equity (ytd only) | 6.8602% | 1,636 |
| Net charge-offs to loans | 0.0080% | 6,470 |
| Credit loss provision to net charge-offs | 5,500.0000% | 90 |
| Earnings coverage of net charge-offs (x) | 107.0000% | 361 |
| Efficiency ratio | 88.1243% | 2,005 |
| Assets per employee ($millions) | 3.6438% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4192% | 3,625 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 63.8616% | 5,013 |
| Net loans and leases to deposits | 71.3485% | 5,829 |
| Net loans and leases to core deposits | 93.0377% | 5,233 |
| Total domestic deposits to total assets | 89.5065% | 1,039 |
| Equity capital to assets | 10.2565% | 3,661 |
| Core capital (leverage) ratio | 9.6451% | 3,711 |
| Tier 1 risk-based capital ratio | 14.6245% | 3,174 |
| Total risk-based capital ratio | 15.8750% | 3,122 |
| Memoranda: | ||
| Average total assets | $81,496,670 | 5,741 |
| Average earning assets | $74,697,000 | 5,720 |
| Average equity | $8,279,670 | 5,925 |
| Average total loans | $50,088,670 | 5,760 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5617% | 4,569 |
| Cost of funding earning assets | 1.2958% | 7,023 |
| Net interest margin | 4.2659% | 1,689 |
| Noninterest income to average assets | 0.4966% | 4,349 |
| Noninterest expense to average assets | 3.8168% | 1,441 |
| Loan and lease loss provision to assets | 0.4382% | 2,731 |
| Net operating income to assets | 0.1363% | 5,869 |
| Return on assets (ROA) | 1.0126% | 2,400 |
| Pretax return on assets | 1.0126% | 3,305 |
| Return on Equity (ROE) | 10.0138% | 2,314 |
| Retained earnings to average equity (ytd only) | 10.0138% | 1,195 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9180% | 1,976 |
| Assets per employee ($millions) | 3.9881% | 3,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 3,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 60.0542% | 5,640 |
| Net loans and leases to deposits | 66.8075% | 6,299 |
| Net loans and leases to core deposits | 86.0452% | 5,898 |
| Total domestic deposits to total assets | 89.8915% | 845 |
| Equity capital to assets | 9.9223% | 4,083 |
| Core capital (leverage) ratio | 9.7265% | 3,715 |
| Tier 1 risk-based capital ratio | 14.4105% | 3,356 |
| Total risk-based capital ratio | 15.6613% | 3,282 |
| Memoranda: | ||
| Average total assets | $82,163,000 | 5,739 |
| Average earning assets | $75,013,500 | 5,730 |
| Average equity | $8,308,500 | 5,952 |
| Average total loans | $49,167,500 | 5,835 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2593% | 4,187 |
| Cost of funding earning assets | 1.7802% | 7,058 |
| Net interest margin | 4.4791% | 1,474 |
| Noninterest income to average assets | 0.4219% | 5,286 |
| Noninterest expense to average assets | 3.5971% | 2,152 |
| Loan and lease loss provision to assets | 0.3750% | 3,436 |
| Net operating income to assets | 0.4426% | 4,982 |
| Return on assets (ROA) | 0.6894% | 3,777 |
| Pretax return on assets | 0.6894% | 4,434 |
| Return on Equity (ROE) | 6.9829% | 3,539 |
| Retained earnings to average equity (ytd only) | 5.9634% | 1,552 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4803% | 2,377 |
| Assets per employee ($millions) | 3.6625% | 4,259 |
| Cash dividends to net income (ytd only)* | 14.6000% | 4,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3292% | 3,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 57.9473% | 6,201 |
| Net loans and leases to deposits | 64.7147% | 6,735 |
| Net loans and leases to core deposits | 81.4553% | 6,497 |
| Total domestic deposits to total assets | 89.5427% | 830 |
| Equity capital to assets | 10.3096% | 3,701 |
| Core capital (leverage) ratio | 9.7570% | 3,707 |
| Tier 1 risk-based capital ratio | 14.8285% | 3,133 |
| Total risk-based capital ratio | 16.0360% | 3,079 |
| Memoranda: | ||
| Average total assets | $72,530,800 | 5,947 |
| Average earning assets | $64,656,000 | 6,003 |
| Average equity | $7,160,400 | 6,401 |
| Average total loans | $37,243,800 | 6,300 |