Home > Northstar Bank of Texas > Performance and Condition Ratios
Northstar Bank of Texas, Performance and Condition Ratios
| 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 | 1.2776% | 7,145 |
| Cost of funding earning assets | 0.1983% | 6,953 |
| Net interest margin | 1.0793% | 7,138 |
| Noninterest income to average assets | 0.4364% | 4,382 |
| Noninterest expense to average assets | 1.0170% | 7,114 |
| Loan and lease loss provision to assets | 0.0412% | 5,260 |
| Net operating income to assets | 0.2573% | 5,763 |
| Return on assets (ROA) | 0.2573% | 5,954 |
| Pretax return on assets | 0.3846% | 5,752 |
| Return on Equity (ROE) | 2.6495% | 5,820 |
| Retained earnings to average equity (ytd only) | 2.6495% | 4,975 |
| Net charge-offs to loans | 0.0511% | 4,940 |
| Credit loss provision to net charge-offs | 129.8701% | 2,223 |
| Earnings coverage of net charge-offs (x) | 13.4373% | 1,911 |
| Efficiency ratio | 68.2639% | 4,005 |
| Assets per employee ($millions) | 4.9053% | 2,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0124% | 7,117 |
| Loan loss allowance to noncurrent loans | 0.7555% | 6,680 |
| Noncurrent assets plus other real estate owned to assets | 1.7622% | 2,966 |
| Noncurrent loans to loans | 1.6399% | 3,336 |
| Net loans and leases to total assets | 54.8399% | 4,614 |
| Net loans and leases to deposits | 63.9797% | 4,712 |
| Net loans and leases to core deposits | 71.7903% | 4,280 |
| Total domestic deposits to total assets | 85.7145% | 3,401 |
| Equity capital to assets | 13.4498% | 1,368 |
| Core capital (leverage) ratio | 9.2931% | 4,595 |
| Tier 1 risk-based capital ratio | 15.1310% | 3,752 |
| Total risk-based capital ratio | 15.1449% | 4,575 |
| Memoranda: | ||
| Average total assets | $971,945,500 | 681 |
| Average earning assets | $906,356,500 | 661 |
| Average equity | $94,403,750 | 750 |
| Average total loans | $602,898,250 | 681 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1851% | 5,004 |
| Cost of funding earning assets | 0.7438% | 3,657 |
| Net interest margin | 3.4413% | 4,917 |
| Noninterest income to average assets | 1.0204% | 1,401 |
| Noninterest expense to average assets | 3.0130% | 3,214 |
| Loan and lease loss provision to assets | 0.2500% | 2,576 |
| Net operating income to assets | 1.0093% | 2,426 |
| Return on assets (ROA) | 1.0221% | 2,602 |
| Pretax return on assets | 1.0221% | 3,621 |
| Return on Equity (ROE) | 12.1795% | 1,612 |
| Retained earnings to average equity (ytd only) | 4.5079% | 3,604 |
| Net charge-offs to loans | 0.4024% | 2,414 |
| Credit loss provision to net charge-offs | 96.2219% | 2,873 |
| Earnings coverage of net charge-offs (x) | 4.8465% | 2,973 |
| Efficiency ratio | 70.5227% | 3,680 |
| Assets per employee ($millions) | 4.7461% | 2,511 |
| Cash dividends to net income (ytd only)* | 62.9879% | 1,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8776% | 2,622 |
| Loan loss allowance to noncurrent loans | 81.8103% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 2.5579% | 2,185 |
| Noncurrent loans to loans | 2.2951% | 2,612 |
| Net loans and leases to total assets | 61.8790% | 3,464 |
| Net loans and leases to deposits | 69.3640% | 3,986 |
| Net loans and leases to core deposits | 76.0998% | 3,762 |
| Total domestic deposits to total assets | 89.2092% | 1,385 |
| Equity capital to assets | 8.4796% | 6,231 |
| Core capital (leverage) ratio | 8.3823% | 5,814 |
| Tier 1 risk-based capital ratio | 12.9900% | 5,199 |
| Total risk-based capital ratio | 14.2456% | 5,169 |
| Memoranda: | ||
| Average total assets | $957,460,000 | 693 |
| Average earning assets | $904,785,670 | 661 |
| Average equity | $80,348,330 | 862 |
| Average total loans | $618,226,330 | 672 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3109% | 4,691 |
| Cost of funding earning assets | 0.8070% | 3,421 |
| Net interest margin | 3.5039% | 4,674 |
| Noninterest income to average assets | 1.0104% | 1,401 |
| Noninterest expense to average assets | 3.0505% | 3,082 |
| Loan and lease loss provision to assets | 0.2504% | 2,458 |
| Net operating income to assets | 1.0184% | 2,406 |
| Return on assets (ROA) | 1.0351% | 2,535 |
| Pretax return on assets | 1.0351% | 3,552 |
| Return on Equity (ROE) | 12.3995% | 1,553 |
| Retained earnings to average equity (ytd only) | 4.7274% | 3,726 |
| Net charge-offs to loans | 0.6176% | 1,551 |
| Credit loss provision to net charge-offs | 62.0725% | 3,072 |
| Earnings coverage of net charge-offs (x) | 3.1451% | 2,945 |
| Efficiency ratio | 70.6252% | 3,697 |
| Assets per employee ($millions) | 4.8726% | 2,427 |
| Cash dividends to net income (ytd only)* | 61.8740% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8124% | 2,953 |
| Loan loss allowance to noncurrent loans | 198.3639% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 1.6557% | 3,369 |
| Noncurrent loans to loans | 0.9137% | 4,839 |
| Net loans and leases to total assets | 61.9526% | 3,264 |
| Net loans and leases to deposits | 69.3089% | 3,829 |
| Net loans and leases to core deposits | 76.8065% | 3,505 |
| Total domestic deposits to total assets | 89.3863% | 1,431 |
| Equity capital to assets | 8.3252% | 6,251 |
| Core capital (leverage) ratio | 8.3717% | 5,772 |
| Tier 1 risk-based capital ratio | 12.6814% | 5,463 |
| Total risk-based capital ratio | 13.9379% | 5,421 |
| Memoranda: | ||
| Average total assets | $956,829,000 | 698 |
| Average earning assets | $903,561,500 | 665 |
| Average equity | $79,874,500 | 867 |
| Average total loans | $625,039,500 | 665 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7975% | 3,827 |
| Cost of funding earning assets | 1.0200% | 3,237 |
| Net interest margin | 3.7775% | 3,938 |
| Noninterest income to average assets | 0.7966% | 2,079 |
| Noninterest expense to average assets | 2.8522% | 4,160 |
| Loan and lease loss provision to assets | 0.3439% | 2,946 |
| Net operating income to assets | 1.1519% | 1,664 |
| Return on assets (ROA) | 1.1588% | 1,753 |
| Pretax return on assets | 1.1588% | 2,617 |
| Return on Equity (ROE) | 13.7973% | 980 |
| Retained earnings to average equity (ytd only) | 8.4171% | 950 |
| Net charge-offs to loans | 0.3807% | 3,505 |
| Credit loss provision to net charge-offs | 126.6749% | 2,452 |
| Earnings coverage of net charge-offs (x) | 5.5101% | 2,767 |
| Efficiency ratio | 65.5992% | 4,847 |
| Assets per employee ($millions) | 4.8660% | 2,361 |
| Cash dividends to net income (ytd only)* | 38.9948% | 2,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 2,940 |
| Loan loss allowance to noncurrent loans | 175.5313% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 1.8297% | 3,217 |
| Noncurrent loans to loans | 1.0126% | 4,682 |
| Net loans and leases to total assets | 66.3879% | 2,714 |
| Net loans and leases to deposits | 74.4324% | 3,429 |
| Net loans and leases to core deposits | 82.7630% | 3,068 |
| Total domestic deposits to total assets | 89.1923% | 1,425 |
| Equity capital to assets | 8.3709% | 6,280 |
| Core capital (leverage) ratio | 8.3802% | 5,739 |
| Tier 1 risk-based capital ratio | 11.7851% | 5,968 |
| Total risk-based capital ratio | 13.0410% | 5,946 |
| Memoranda: | ||
| Average total assets | $896,282,200 | 729 |
| Average earning assets | $842,630,600 | 700 |
| Average equity | $75,275,600 | 893 |
| Average total loans | $639,156,000 | 641 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9336% | 3,409 |
| Cost of funding earning assets | 1.0628% | 3,225 |
| Net interest margin | 3.8708% | 3,517 |
| Noninterest income to average assets | 0.7721% | 2,188 |
| Noninterest expense to average assets | 2.8887% | 3,982 |
| Loan and lease loss provision to assets | 0.3457% | 2,804 |
| Net operating income to assets | 1.1749% | 1,729 |
| Return on assets (ROA) | 1.1787% | 1,836 |
| Pretax return on assets | 1.1787% | 2,700 |
| Return on Equity (ROE) | 14.0214% | 1,036 |
| Retained earnings to average equity (ytd only) | 6.9775% | 1,980 |
| Net charge-offs to loans | 0.4497% | 2,924 |
| Credit loss provision to net charge-offs | 106.3138% | 3,116 |
| Earnings coverage of net charge-offs (x) | 4.6759% | 2,988 |
| Efficiency ratio | 65.5139% | 4,804 |
| Assets per employee ($millions) | 4.8251% | 2,435 |
| Cash dividends to net income (ytd only)* | 50.2370% | 1,583 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 3,249 |
| Loan loss allowance to noncurrent loans | 216.6368% | 1,447 |
| Noncurrent assets plus other real estate owned to assets | 2.1581% | 2,957 |
| Noncurrent loans to loans | 0.7871% | 5,303 |
| Net loans and leases to total assets | 68.0887% | 2,476 |
| Net loans and leases to deposits | 76.3015% | 3,283 |
| Net loans and leases to core deposits | 85.5674% | 2,834 |
| Total domestic deposits to total assets | 89.2365% | 1,288 |
| Equity capital to assets | 8.3395% | 6,450 |
| Core capital (leverage) ratio | 8.4302% | 5,806 |
| Tier 1 risk-based capital ratio | 11.7188% | 6,089 |
| Total risk-based capital ratio | 12.9743% | 6,085 |
| Memoranda: | ||
| Average total assets | $883,133,750 | 749 |
| Average earning assets | $829,855,500 | 721 |
| Average equity | $74,237,250 | 916 |
| Average total loans | $638,610,500 | 654 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0132% | 3,096 |
| Cost of funding earning assets | 1.1148% | 3,127 |
| Net interest margin | 3.8984% | 3,315 |
| Noninterest income to average assets | 0.7257% | 2,400 |
| Noninterest expense to average assets | 2.9215% | 3,937 |
| Loan and lease loss provision to assets | 0.3442% | 2,718 |
| Net operating income to assets | 1.1237% | 1,809 |
| Return on assets (ROA) | 1.1251% | 1,882 |
| Pretax return on assets | 1.1251% | 2,752 |
| Return on Equity (ROE) | 13.3471% | 1,124 |
| Retained earnings to average equity (ytd only) | 5.3296% | 2,789 |
| Net charge-offs to loans | 0.5824% | 2,364 |
| Credit loss provision to net charge-offs | 80.5376% | 3,757 |
| Earnings coverage of net charge-offs (x) | 3.4344% | 3,169 |
| Efficiency ratio | 66.5567% | 4,763 |
| Assets per employee ($millions) | 4.8447% | 2,349 |
| Cash dividends to net income (ytd only)* | 60.0694% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6504% | 3,491 |
| Loan loss allowance to noncurrent loans | 250.9785% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 2.2040% | 2,977 |
| Noncurrent loans to loans | 0.6576% | 5,600 |
| Net loans and leases to total assets | 68.6991% | 2,478 |
| Net loans and leases to deposits | 76.8233% | 3,322 |
| Net loans and leases to core deposits | 86.1725% | 2,878 |
| Total domestic deposits to total assets | 89.4248% | 1,284 |
| Equity capital to assets | 8.2467% | 6,475 |
| Core capital (leverage) ratio | 8.2989% | 5,874 |
| Tier 1 risk-based capital ratio | 11.5420% | 6,141 |
| Total risk-based capital ratio | 12.7967% | 6,127 |
| Memoranda: | ||
| Average total assets | $870,314,000 | 762 |
| Average earning assets | $817,920,670 | 740 |
| Average equity | $73,364,330 | 924 |
| Average total loans | $638,685,000 | 667 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1072% | 2,611 |
| Cost of funding earning assets | 1.1365% | 3,255 |
| Net interest margin | 3.9707% | 2,820 |
| Noninterest income to average assets | 0.6962% | 2,604 |
| Noninterest expense to average assets | 2.9392% | 3,893 |
| Loan and lease loss provision to assets | 0.2265% | 3,394 |
| Net operating income to assets | 1.2689% | 1,346 |
| Return on assets (ROA) | 1.2689% | 1,397 |
| Pretax return on assets | 1.2689% | 2,136 |
| Return on Equity (ROE) | 14.8825% | 839 |
| Retained earnings to average equity (ytd only) | 8.6156% | 1,514 |
| Net charge-offs to loans | 0.0044% | 5,067 |
| Credit loss provision to net charge-offs | 6,914.2857% | 48 |
| Earnings coverage of net charge-offs (x) | 456.5714% | 55 |
| Efficiency ratio | 66.2798% | 4,988 |
| Assets per employee ($millions) | 4.6355% | 2,682 |
| Cash dividends to net income (ytd only)* | 42.1091% | 1,698 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7696% | 3,102 |
| Loan loss allowance to noncurrent loans | 98.5516% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 2.1753% | 3,098 |
| Noncurrent loans to loans | 1.7956% | 3,834 |
| Net loans and leases to total assets | 71.1338% | 1,895 |
| Net loans and leases to deposits | 79.8949% | 2,741 |
| Net loans and leases to core deposits | 89.3573% | 2,432 |
| Total domestic deposits to total assets | 89.0342% | 1,750 |
| Equity capital to assets | 8.4194% | 6,029 |
| Core capital (leverage) ratio | 8.6213% | 5,230 |
| Tier 1 risk-based capital ratio | 11.5956% | 6,025 |
| Total risk-based capital ratio | 12.8497% | 6,008 |
| Memoranda: | ||
| Average total assets | $854,918,500 | 782 |
| Average earning assets | $804,898,500 | 759 |
| Average equity | $72,891,000 | 930 |
| Average total loans | $643,308,000 | 667 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6755% | 1,661 |
| Cost of funding earning assets | 1.3317% | 3,680 |
| Net interest margin | 4.3438% | 1,670 |
| Noninterest income to average assets | 0.7126% | 2,768 |
| Noninterest expense to average assets | 3.0601% | 3,629 |
| Loan and lease loss provision to assets | 0.6564% | 2,511 |
| Net operating income to assets | 1.0148% | 1,981 |
| Return on assets (ROA) | 1.0208% | 2,075 |
| Pretax return on assets | 1.0208% | 2,864 |
| Return on Equity (ROE) | 11.7747% | 1,374 |
| Retained earnings to average equity (ytd only) | 7.1041% | 1,277 |
| Net charge-offs to loans | 0.5007% | 3,613 |
| Credit loss provision to net charge-offs | 168.8989% | 2,007 |
| Earnings coverage of net charge-offs (x) | 4.3001% | 2,979 |
| Efficiency ratio | 64.6779% | 5,228 |
| Assets per employee ($millions) | 4.4584% | 2,942 |
| Cash dividends to net income (ytd only)* | 39.6666% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6483% | 3,406 |
| Loan loss allowance to noncurrent loans | 96.7684% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 2.4159% | 2,857 |
| Noncurrent loans to loans | 1.7034% | 3,949 |
| Net loans and leases to total assets | 76.9350% | 1,106 |
| Net loans and leases to deposits | 87.1379% | 1,919 |
| Net loans and leases to core deposits | 98.1132% | 1,790 |
| Total domestic deposits to total assets | 88.2911% | 2,069 |
| Equity capital to assets | 8.6382% | 5,676 |
| Core capital (leverage) ratio | 8.8916% | 4,712 |
| Tier 1 risk-based capital ratio | 11.2275% | 6,158 |
| Total risk-based capital ratio | 12.4828% | 6,135 |
| Memoranda: | ||
| Average total assets | $799,181,600 | 847 |
| Average earning assets | $739,374,800 | 830 |
| Average equity | $69,284,400 | 968 |
| Average total loans | $620,325,600 | 716 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7275% | 1,618 |
| Cost of funding earning assets | 1.3706% | 3,777 |
| Net interest margin | 4.3569% | 1,655 |
| Noninterest income to average assets | 0.6630% | 3,053 |
| Noninterest expense to average assets | 2.9896% | 3,784 |
| Loan and lease loss provision to assets | 0.7127% | 2,142 |
| Net operating income to assets | 0.9763% | 2,314 |
| Return on assets (ROA) | 0.9821% | 2,410 |
| Pretax return on assets | 0.9821% | 3,245 |
| Return on Equity (ROE) | 11.3174% | 1,693 |
| Retained earnings to average equity (ytd only) | 5.2729% | 2,795 |
| Net charge-offs to loans | 0.4988% | 3,283 |
| Credit loss provision to net charge-offs | 184.4609% | 1,966 |
| Earnings coverage of net charge-offs (x) | 4.3715% | 3,080 |
| Efficiency ratio | 63.8982% | 5,256 |
| Assets per employee ($millions) | 4.2487% | 3,356 |
| Cash dividends to net income (ytd only)* | 53.4088% | 1,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 3,161 |
| Loan loss allowance to noncurrent loans | 76.8026% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 3.7426% | 1,898 |
| Noncurrent loans to loans | 2.2088% | 3,433 |
| Net loans and leases to total assets | 77.7425% | 1,081 |
| Net loans and leases to deposits | 88.4502% | 1,946 |
| Net loans and leases to core deposits | 100.7519% | 1,773 |
| Total domestic deposits to total assets | 87.8941% | 2,020 |
| Equity capital to assets | 8.9545% | 5,645 |
| Core capital (leverage) ratio | 8.8429% | 4,936 |
| Tier 1 risk-based capital ratio | 11.2970% | 6,100 |
| Total risk-based capital ratio | 12.5527% | 6,094 |
| Memoranda: | ||
| Average total assets | $790,545,000 | 859 |
| Average earning assets | $728,626,250 | 845 |
| Average equity | $68,600,750 | 970 |
| Average total loans | $612,362,250 | 723 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7324% | 1,638 |
| Cost of funding earning assets | 1.3967% | 3,897 |
| Net interest margin | 4.3357% | 1,651 |
| Noninterest income to average assets | 0.5361% | 3,825 |
| Noninterest expense to average assets | 2.8869% | 4,125 |
| Loan and lease loss provision to assets | 0.7348% | 1,973 |
| Net operating income to assets | 0.9050% | 2,540 |
| Return on assets (ROA) | 0.9088% | 2,633 |
| Pretax return on assets | 0.9088% | 3,460 |
| Return on Equity (ROE) | 10.5843% | 1,900 |
| Retained earnings to average equity (ytd only) | 4.5525% | 3,174 |
| Net charge-offs to loans | 0.4110% | 3,344 |
| Credit loss provision to net charge-offs | 232.4281% | 1,661 |
| Earnings coverage of net charge-offs (x) | 5.1869% | 2,729 |
| Efficiency ratio | 63.7753% | 5,375 |
| Assets per employee ($millions) | 4.4996% | 2,875 |
| Cash dividends to net income (ytd only)* | 56.9881% | 1,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6941% | 3,107 |
| Loan loss allowance to noncurrent loans | 85.6237% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 3.3813% | 2,079 |
| Noncurrent loans to loans | 1.9785% | 3,753 |
| Net loans and leases to total assets | 74.8134% | 1,734 |
| Net loans and leases to deposits | 84.6330% | 2,762 |
| Net loans and leases to core deposits | 99.4457% | 2,077 |
| Total domestic deposits to total assets | 88.3975% | 1,782 |
| Equity capital to assets | 8.6484% | 5,946 |
| Core capital (leverage) ratio | 8.4674% | 5,466 |
| Tier 1 risk-based capital ratio | 11.2525% | 5,993 |
| Total risk-based capital ratio | 12.5079% | 5,974 |
| Memoranda: | ||
| Average total assets | $792,058,670 | 862 |
| Average earning assets | $729,020,000 | 844 |
| Average equity | $68,006,670 | 976 |
| Average total loans | $609,281,670 | 736 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4059% | 3,011 |
| Cost of funding earning assets | 1.4431% | 3,919 |
| Net interest margin | 3.9629% | 3,038 |
| Noninterest income to average assets | 0.4092% | 4,830 |
| Noninterest expense to average assets | 2.8470% | 4,291 |
| Loan and lease loss provision to assets | 0.5287% | 2,385 |
| Net operating income to assets | 0.6715% | 3,564 |
| Return on assets (ROA) | 0.6771% | 3,657 |
| Pretax return on assets | 0.6771% | 4,316 |
| Return on Equity (ROE) | 7.9146% | 2,930 |
| Retained earnings to average equity (ytd only) | 3.6169% | 3,986 |
| Net charge-offs to loans | 0.5094% | 2,542 |
| Credit loss provision to net charge-offs | 134.1902% | 2,626 |
| Earnings coverage of net charge-offs (x) | 3.0463% | 3,034 |
| Efficiency ratio | 70.3453% | 4,235 |
| Assets per employee ($millions) | 4.6562% | 2,706 |
| Cash dividends to net income (ytd only)* | 54.3007% | 1,379 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4632% | 4,114 |
| Loan loss allowance to noncurrent loans | 32.1385% | 6,274 |
| Noncurrent assets plus other real estate owned to assets | 5.1278% | 1,238 |
| Noncurrent loans to loans | 4.5528% | 1,628 |
| Net loans and leases to total assets | 75.0731% | 1,728 |
| Net loans and leases to deposits | 85.3490% | 2,711 |
| Net loans and leases to core deposits | 103.4704% | 1,786 |
| Total domestic deposits to total assets | 87.9601% | 2,085 |
| Equity capital to assets | 8.5279% | 5,970 |
| Core capital (leverage) ratio | 8.5092% | 5,355 |
| Tier 1 risk-based capital ratio | 11.0275% | 6,128 |
| Total risk-based capital ratio | 12.2800% | 6,097 |
| Memoranda: | ||
| Average total assets | $789,873,500 | 879 |
| Average earning assets | $725,128,000 | 870 |
| Average equity | $67,571,000 | 985 |
| Average total loans | $610,870,500 | 751 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0281% | 1,756 |
| Cost of funding earning assets | 1.8802% | 3,560 |
| Net interest margin | 4.1479% | 2,256 |
| Noninterest income to average assets | 0.7123% | 2,885 |
| Noninterest expense to average assets | 3.0775% | 3,843 |
| Loan and lease loss provision to assets | 0.4428% | 4,174 |
| Net operating income to assets | 1.0287% | 1,747 |
| Return on assets (ROA) | 1.0362% | 1,759 |
| Pretax return on assets | 1.0362% | 2,472 |
| Return on Equity (ROE) | 12.7342% | 1,020 |
| Retained earnings to average equity (ytd only) | 6.8910% | 1,004 |
| Net charge-offs to loans | 0.1658% | 5,631 |
| Credit loss provision to net charge-offs | 319.5804% | 1,023 |
| Earnings coverage of net charge-offs (x) | 10.6204% | 1,665 |
| Efficiency ratio | 67.5065% | 5,094 |
| Assets per employee ($millions) | 4.6364% | 2,707 |
| Cash dividends to net income (ytd only)* | 45.8857% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 4,239 |
| Loan loss allowance to noncurrent loans | 31.7665% | 6,342 |
| Noncurrent assets plus other real estate owned to assets | 3.9951% | 1,652 |
| Noncurrent loans to loans | 4.4062% | 1,623 |
| Net loans and leases to total assets | 77.4074% | 1,502 |
| Net loans and leases to deposits | 87.6336% | 2,622 |
| Net loans and leases to core deposits | 121.4794% | 1,838 |
| Total domestic deposits to total assets | 88.3307% | 1,807 |
| Equity capital to assets | 8.5819% | 5,751 |
| Core capital (leverage) ratio | 8.7049% | 4,920 |
| Tier 1 risk-based capital ratio | 10.8215% | 6,091 |
| Total risk-based capital ratio | 12.0728% | 6,061 |
| Memoranda: | ||
| Average total assets | $722,472,600 | 941 |
| Average earning assets | $668,273,800 | 929 |
| Average equity | $58,786,400 | 1,127 |
| Average total loans | $603,749,800 | 780 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1496% | 1,495 |
| Cost of funding earning assets | 1.9658% | 3,541 |
| Net interest margin | 4.1838% | 2,117 |
| Noninterest income to average assets | 0.7504% | 2,709 |
| Noninterest expense to average assets | 3.1455% | 3,478 |
| Loan and lease loss provision to assets | 0.3889% | 3,984 |
| Net operating income to assets | 1.1037% | 1,720 |
| Return on assets (ROA) | 1.1114% | 1,763 |
| Pretax return on assets | 1.1114% | 2,530 |
| Return on Equity (ROE) | 13.8689% | 959 |
| Retained earnings to average equity (ytd only) | 5.7875% | 2,052 |
| Net charge-offs to loans | 0.1345% | 5,354 |
| Credit loss provision to net charge-offs | 340.4290% | 1,202 |
| Earnings coverage of net charge-offs (x) | 13.0644% | 1,705 |
| Efficiency ratio | 67.6233% | 5,055 |
| Assets per employee ($millions) | 4.5129% | 2,841 |
| Cash dividends to net income (ytd only)* | 58.2698% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2924% | 4,548 |
| Loan loss allowance to noncurrent loans | 58.9129% | 4,421 |
| Noncurrent assets plus other real estate owned to assets | 2.3903% | 2,883 |
| Noncurrent loans to loans | 2.1938% | 3,384 |
| Net loans and leases to total assets | 79.7418% | 1,226 |
| Net loans and leases to deposits | 90.1036% | 2,558 |
| Net loans and leases to core deposits | 126.8562% | 1,665 |
| Total domestic deposits to total assets | 88.5001% | 1,436 |
| Equity capital to assets | 8.4257% | 6,353 |
| Core capital (leverage) ratio | 8.5660% | 5,358 |
| Tier 1 risk-based capital ratio | 10.3330% | 6,644 |
| Total risk-based capital ratio | 11.5851% | 6,581 |
| Memoranda: | ||
| Average total assets | $707,204,750 | 973 |
| Average earning assets | $657,148,500 | 951 |
| Average equity | $56,672,250 | 1,184 |
| Average total loans | $600,904,500 | 799 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2901% | 1,231 |
| Cost of funding earning assets | 2.0385% | 3,581 |
| Net interest margin | 4.2516% | 1,815 |
| Noninterest income to average assets | 0.7755% | 2,550 |
| Noninterest expense to average assets | 3.2617% | 3,113 |
| Loan and lease loss provision to assets | 0.3692% | 3,708 |
| Net operating income to assets | 1.0871% | 1,814 |
| Return on assets (ROA) | 1.0978% | 1,856 |
| Pretax return on assets | 1.0978% | 2,644 |
| Return on Equity (ROE) | 13.9606% | 997 |
| Retained earnings to average equity (ytd only) | 3.2797% | 3,497 |
| Net charge-offs to loans | 0.1314% | 4,853 |
| Credit loss provision to net charge-offs | 324.9364% | 1,439 |
| Earnings coverage of net charge-offs (x) | 12.8168% | 1,784 |
| Efficiency ratio | 68.8381% | 5,006 |
| Assets per employee ($millions) | 4.4167% | 2,901 |
| Cash dividends to net income (ytd only)* | 76.5078% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 4,822 |
| Loan loss allowance to noncurrent loans | 59.6859% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 2.2255% | 2,918 |
| Noncurrent loans to loans | 2.0424% | 3,457 |
| Net loans and leases to total assets | 81.6188% | 1,022 |
| Net loans and leases to deposits | 91.8077% | 2,501 |
| Net loans and leases to core deposits | 132.6675% | 1,390 |
| Total domestic deposits to total assets | 88.9020% | 1,315 |
| Equity capital to assets | 7.8457% | 6,918 |
| Core capital (leverage) ratio | 7.9982% | 6,338 |
| Tier 1 risk-based capital ratio | 9.6306% | 7,290 |
| Total risk-based capital ratio | 10.8733% | 7,250 |
| Memoranda: | ||
| Average total assets | $691,719,000 | 1,017 |
| Average earning assets | $641,455,670 | 999 |
| Average equity | $54,396,000 | 1,232 |
| Average total loans | $598,255,000 | 827 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4923% | 879 |
| Cost of funding earning assets | 2.0546% | 3,846 |
| Net interest margin | 4.4378% | 1,254 |
| Noninterest income to average assets | 0.7912% | 2,371 |
| Noninterest expense to average assets | 3.2117% | 2,934 |
| Loan and lease loss provision to assets | 0.3559% | 3,184 |
| Net operating income to assets | 1.3260% | 1,321 |
| Return on assets (ROA) | 1.3479% | 1,357 |
| Pretax return on assets | 1.3479% | 2,124 |
| Return on Equity (ROE) | 17.1195% | 673 |
| Retained earnings to average equity (ytd only) | 9.2066% | 1,419 |
| Net charge-offs to loans | -0.1230% | 7,933 |
| Credit loss provision to net charge-offs | -326.6304% | 6,341 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3032% | 5,450 |
| Assets per employee ($millions) | 4.2457% | 3,177 |
| Cash dividends to net income (ytd only)* | 46.2214% | 1,885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1797% | 4,930 |
| Loan loss allowance to noncurrent loans | 154.3096% | 2,106 |
| Noncurrent assets plus other real estate owned to assets | 1.1658% | 4,338 |
| Noncurrent loans to loans | 0.7645% | 5,519 |
| Net loans and leases to total assets | 86.0552% | 440 |
| Net loans and leases to deposits | 96.8857% | 1,814 |
| Net loans and leases to core deposits | 138.2798% | 1,188 |
| Total domestic deposits to total assets | 88.8214% | 1,323 |
| Equity capital to assets | 7.7057% | 7,173 |
| Core capital (leverage) ratio | 7.9924% | 6,462 |
| Tier 1 risk-based capital ratio | 8.9220% | 7,835 |
| Total risk-based capital ratio | 10.1206% | 7,900 |
| Memoranda: | ||
| Average total assets | $675,406,000 | 1,039 |
| Average earning assets | $624,366,500 | 1,030 |
| Average equity | $53,179,000 | 1,276 |
| Average total loans | $598,133,500 | 828 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0243% | 1,067 |
| Cost of funding earning assets | 2.6083% | 3,645 |
| Net interest margin | 4.4160% | 1,638 |
| Noninterest income to average assets | 0.9041% | 1,943 |
| Noninterest expense to average assets | 3.3033% | 2,951 |
| Loan and lease loss provision to assets | 0.2989% | 3,986 |
| Net operating income to assets | 1.3475% | 1,351 |
| Return on assets (ROA) | 1.3480% | 1,310 |
| Pretax return on assets | 1.3480% | 2,137 |
| Return on Equity (ROE) | 16.8308% | 657 |
| Retained earnings to average equity (ytd only) | 11.2266% | 298 |
| Net charge-offs to loans | 0.1785% | 4,410 |
| Credit loss provision to net charge-offs | 191.1950% | 2,574 |
| Earnings coverage of net charge-offs (x) | 10.5314% | 2,499 |
| Efficiency ratio | 66.3764% | 5,044 |
| Assets per employee ($millions) | 3.9894% | 3,541 |
| Cash dividends to net income (ytd only)* | 33.2969% | 3,979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0938% | 5,327 |
| Loan loss allowance to noncurrent loans | 163.3631% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 1.1478% | 3,973 |
| Noncurrent loans to loans | 0.6695% | 5,359 |
| Net loans and leases to total assets | 89.1637% | 267 |
| Net loans and leases to deposits | 104.2174% | 1,320 |
| Net loans and leases to core deposits | 143.3015% | 1,125 |
| Total domestic deposits to total assets | 85.5555% | 2,603 |
| Equity capital to assets | 8.0545% | 6,773 |
| Core capital (leverage) ratio | 8.1937% | 6,178 |
| Tier 1 risk-based capital ratio | 8.9830% | 7,793 |
| Total risk-based capital ratio | 10.0887% | 7,923 |
| Memoranda: | ||
| Average total assets | $610,230,800 | 1,111 |
| Average earning assets | $559,062,000 | 1,105 |
| Average equity | $48,874,800 | 1,399 |
| Average total loans | $534,457,000 | 893 |