Home > Richardson County Bank & Trust Company > Performance and Condition Ratios
Richardson County Bank & Trust Company, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4288% | 1,815 |
| Cost of funding earning assets | 0.6123% | 1,330 |
| Net interest margin | 3.8165% | 2,325 |
| Noninterest income to average assets | 0.2045% | 5,424 |
| Noninterest expense to average assets | 1.5536% | 6,007 |
| Loan and lease loss provision to assets | 0.2201% | 859 |
| Net operating income to assets | 1.8899% | 436 |
| Return on assets (ROA) | 1.9244% | 427 |
| Pretax return on assets | 1.9665% | 640 |
| Return on Equity (ROE) | 16.6758% | 506 |
| Retained earnings to average equity (ytd only) | 1.9499% | 4,905 |
| Net charge-offs to loans | 0.2845% | 936 |
| Credit loss provision to net charge-offs | 111.3861% | 2,098 |
| Earnings coverage of net charge-offs (x) | 10.8860% | 2,552 |
| Efficiency ratio | 41.5368% | 6,098 |
| Assets per employee ($millions) | 6.0099% | 1,365 |
| Cash dividends to net income (ytd only)* | 88.3070% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 3,307 |
| Loan loss allowance to noncurrent loans | 67.5367% | 4,469 |
| Noncurrent assets plus other real estate owned to assets | 1.4476% | 1,561 |
| Noncurrent loans to loans | 1.8655% | 1,245 |
| Net loans and leases to total assets | 70.4177% | 2,326 |
| Net loans and leases to deposits | 92.2040% | 1,382 |
| Net loans and leases to core deposits | 100.4292% | 1,477 |
| Total domestic deposits to total assets | 76.3716% | 5,436 |
| Equity capital to assets | 11.4463% | 2,546 |
| Core capital (leverage) ratio | 7.5436% | 6,046 |
| Tier 1 risk-based capital ratio | 9.8509% | 6,076 |
| Total risk-based capital ratio | 11.0968% | 6,050 |
| Memoranda: | ||
| Average total assets | $136,278,250 | 3,820 |
| Average earning assets | $124,996,750 | 3,830 |
| Average equity | $15,727,000 | 3,757 |
| Average total loans | $94,675,250 | 3,516 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3554% | 1,996 |
| Cost of funding earning assets | 0.5999% | 1,419 |
| Net interest margin | 3.7555% | 2,496 |
| Noninterest income to average assets | 0.2064% | 5,449 |
| Noninterest expense to average assets | 1.5675% | 6,071 |
| Loan and lease loss provision to assets | 0.2212% | 856 |
| Net operating income to assets | 1.8218% | 493 |
| Return on assets (ROA) | 1.8536% | 484 |
| Pretax return on assets | 1.8934% | 742 |
| Return on Equity (ROE) | 16.0175% | 609 |
| Retained earnings to average equity (ytd only) | 1.7203% | 4,839 |
| Net charge-offs to loans | 0.4177% | 618 |
| Credit loss provision to net charge-offs | 76.9231% | 2,367 |
| Earnings coverage of net charge-offs (x) | 7.2410% | 2,692 |
| Efficiency ratio | 42.5455% | 6,160 |
| Assets per employee ($millions) | 5.9307% | 1,411 |
| Cash dividends to net income (ytd only)* | 89.2601% | 728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2053% | 3,762 |
| Loan loss allowance to noncurrent loans | 67.6657% | 4,547 |
| Noncurrent assets plus other real estate owned to assets | 1.4010% | 1,789 |
| Noncurrent loans to loans | 1.7812% | 1,440 |
| Net loans and leases to total assets | 70.5489% | 2,234 |
| Net loans and leases to deposits | 87.2600% | 1,912 |
| Net loans and leases to core deposits | 95.9806% | 1,806 |
| Total domestic deposits to total assets | 80.8491% | 4,653 |
| Equity capital to assets | 11.4570% | 2,451 |
| Core capital (leverage) ratio | 7.5750% | 6,080 |
| Tier 1 risk-based capital ratio | 9.8456% | 6,134 |
| Total risk-based capital ratio | 11.0348% | 6,109 |
| Memoranda: | ||
| Average total assets | $135,628,330 | 3,865 |
| Average earning assets | $124,350,000 | 3,873 |
| Average equity | $15,695,330 | 3,777 |
| Average total loans | $93,374,000 | 3,566 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1809% | 2,526 |
| Cost of funding earning assets | 0.5913% | 1,496 |
| Net interest margin | 3.5896% | 3,051 |
| Noninterest income to average assets | 0.2100% | 5,451 |
| Noninterest expense to average assets | 1.6001% | 6,117 |
| Loan and lease loss provision to assets | 0.2218% | 793 |
| Net operating income to assets | 1.6369% | 667 |
| Return on assets (ROA) | 1.6977% | 619 |
| Pretax return on assets | 1.7362% | 977 |
| Return on Equity (ROE) | 14.5972% | 772 |
| Retained earnings to average equity (ytd only) | -0.8138% | 5,521 |
| Net charge-offs to loans | 0.2189% | 1,069 |
| Credit loss provision to net charge-offs | 150.0000% | 1,240 |
| Earnings coverage of net charge-offs (x) | 12.8200% | 1,766 |
| Efficiency ratio | 45.3469% | 6,133 |
| Assets per employee ($millions) | 5.7514% | 1,589 |
| Cash dividends to net income (ytd only)* | 105.5749% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3800% | 3,020 |
| Loan loss allowance to noncurrent loans | 63.3401% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.5406% | 1,680 |
| Noncurrent loans to loans | 2.1787% | 1,166 |
| Net loans and leases to total assets | 67.2059% | 2,576 |
| Net loans and leases to deposits | 81.7294% | 2,371 |
| Net loans and leases to core deposits | 90.2916% | 2,100 |
| Total domestic deposits to total assets | 82.2298% | 4,446 |
| Equity capital to assets | 11.9350% | 2,074 |
| Core capital (leverage) ratio | 7.6501% | 6,090 |
| Tier 1 risk-based capital ratio | 10.3713% | 6,055 |
| Total risk-based capital ratio | 11.6217% | 6,004 |
| Memoranda: | ||
| Average total assets | $135,239,500 | 3,899 |
| Average earning assets | $123,800,500 | 3,909 |
| Average equity | $15,729,000 | 3,794 |
| Average total loans | $91,357,500 | 3,623 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5270% | 1,765 |
| Cost of funding earning assets | 0.6609% | 1,333 |
| Net interest margin | 3.8661% | 2,376 |
| Noninterest income to average assets | 0.1928% | 5,701 |
| Noninterest expense to average assets | 1.5593% | 6,266 |
| Loan and lease loss provision to assets | 0.3841% | 478 |
| Net operating income to assets | 1.7401% | 532 |
| Return on assets (ROA) | 1.7190% | 576 |
| Pretax return on assets | 1.7551% | 880 |
| Return on Equity (ROE) | 14.8914% | 797 |
| Retained earnings to average equity (ytd only) | 3.7062% | 3,575 |
| Net charge-offs to loans | 0.1737% | 2,289 |
| Credit loss provision to net charge-offs | 331.1258% | 794 |
| Earnings coverage of net charge-offs (x) | 18.6291% | 1,831 |
| Efficiency ratio | 41.5032% | 6,374 |
| Assets per employee ($millions) | 6.2816% | 1,195 |
| Cash dividends to net income (ytd only)* | 75.1117% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3169% | 3,336 |
| Loan loss allowance to noncurrent loans | 51.8944% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.7533% | 1,505 |
| Noncurrent loans to loans | 2.5376% | 1,000 |
| Net loans and leases to total assets | 66.1018% | 2,861 |
| Net loans and leases to deposits | 88.6833% | 1,654 |
| Net loans and leases to core deposits | 98.7077% | 1,491 |
| Total domestic deposits to total assets | 74.5369% | 5,900 |
| Equity capital to assets | 11.3390% | 2,572 |
| Core capital (leverage) ratio | 7.4488% | 6,220 |
| Tier 1 risk-based capital ratio | 10.3947% | 6,143 |
| Total risk-based capital ratio | 11.6454% | 6,088 |
| Memoranda: | ||
| Average total assets | $130,189,600 | 3,970 |
| Average earning assets | $118,775,400 | 3,995 |
| Average equity | $15,028,800 | 3,828 |
| Average total loans | $86,954,200 | 3,702 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5555% | 1,685 |
| Cost of funding earning assets | 0.6524% | 1,448 |
| Net interest margin | 3.9031% | 2,227 |
| Noninterest income to average assets | 0.2007% | 5,724 |
| Noninterest expense to average assets | 1.5924% | 6,293 |
| Loan and lease loss provision to assets | 0.4420% | 360 |
| Net operating income to assets | 1.6958% | 620 |
| Return on assets (ROA) | 1.6642% | 687 |
| Pretax return on assets | 1.6995% | 1,071 |
| Return on Equity (ROE) | 14.3476% | 922 |
| Retained earnings to average equity (ytd only) | 3.9008% | 3,877 |
| Net charge-offs to loans | 0.1527% | 2,268 |
| Credit loss provision to net charge-offs | 433.6735% | 654 |
| Earnings coverage of net charge-offs (x) | 21.3271% | 1,684 |
| Efficiency ratio | 41.8669% | 6,419 |
| Assets per employee ($millions) | 6.3474% | 1,114 |
| Cash dividends to net income (ytd only)* | 72.8123% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3441% | 3,423 |
| Loan loss allowance to noncurrent loans | 64.5979% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.4097% | 2,192 |
| Noncurrent loans to loans | 2.0807% | 1,511 |
| Net loans and leases to total assets | 65.9124% | 2,883 |
| Net loans and leases to deposits | 83.8532% | 2,173 |
| Net loans and leases to core deposits | 93.1498% | 1,944 |
| Total domestic deposits to total assets | 78.6046% | 5,416 |
| Equity capital to assets | 11.4543% | 2,528 |
| Core capital (leverage) ratio | 7.5230% | 6,276 |
| Tier 1 risk-based capital ratio | 10.7752% | 6,100 |
| Total risk-based capital ratio | 12.0263% | 6,048 |
| Memoranda: | ||
| Average total assets | $128,188,000 | 4,042 |
| Average earning assets | $117,100,750 | 4,056 |
| Average equity | $14,868,500 | 3,883 |
| Average total loans | $85,550,500 | 3,767 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5858% | 1,568 |
| Cost of funding earning assets | 0.6596% | 1,436 |
| Net interest margin | 3.9262% | 2,061 |
| Noninterest income to average assets | 0.2040% | 5,732 |
| Noninterest expense to average assets | 1.6429% | 6,322 |
| Loan and lease loss provision to assets | 0.4744% | 321 |
| Net operating income to assets | 1.6247% | 667 |
| Return on assets (ROA) | 1.5101% | 891 |
| Pretax return on assets | 1.5464% | 1,404 |
| Return on Equity (ROE) | 12.9620% | 1,186 |
| Retained earnings to average equity (ytd only) | 4.8184% | 3,074 |
| Net charge-offs to loans | 0.1493% | 2,192 |
| Credit loss provision to net charge-offs | 476.1905% | 613 |
| Earnings coverage of net charge-offs (x) | 21.4603% | 1,543 |
| Efficiency ratio | 43.0364% | 6,450 |
| Assets per employee ($millions) | 6.4649% | 1,030 |
| Cash dividends to net income (ytd only)* | 62.8272% | 1,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 3,862 |
| Loan loss allowance to noncurrent loans | 63.2933% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.3728% | 2,380 |
| Noncurrent loans to loans | 2.0498% | 1,640 |
| Net loans and leases to total assets | 65.1369% | 2,890 |
| Net loans and leases to deposits | 78.8060% | 2,691 |
| Net loans and leases to core deposits | 86.8991% | 2,427 |
| Total domestic deposits to total assets | 82.6547% | 4,430 |
| Equity capital to assets | 11.7280% | 2,223 |
| Core capital (leverage) ratio | 7.5805% | 6,285 |
| Tier 1 risk-based capital ratio | 11.0826% | 6,016 |
| Total risk-based capital ratio | 12.3337% | 5,953 |
| Memoranda: | ||
| Average total assets | $126,485,670 | 4,105 |
| Average earning assets | $115,224,670 | 4,121 |
| Average equity | $14,735,330 | 3,907 |
| Average total loans | $84,382,330 | 3,808 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5541% | 1,628 |
| Cost of funding earning assets | 0.6642% | 1,482 |
| Net interest margin | 3.8899% | 2,120 |
| Noninterest income to average assets | 0.2047% | 5,717 |
| Noninterest expense to average assets | 1.7269% | 6,311 |
| Loan and lease loss provision to assets | 0.4797% | 320 |
| Net operating income to assets | 1.4736% | 858 |
| Return on assets (ROA) | 1.2440% | 1,418 |
| Pretax return on assets | 1.2824% | 2,159 |
| Return on Equity (ROE) | 10.7155% | 1,788 |
| Retained earnings to average equity (ytd only) | 3.8289% | 3,830 |
| Net charge-offs to loans | 0.0667% | 2,482 |
| Credit loss provision to net charge-offs | 1,071.4286% | 296 |
| Earnings coverage of net charge-offs (x) | 44.6429% | 820 |
| Efficiency ratio | 45.9227% | 6,431 |
| Assets per employee ($millions) | 6.1239% | 1,224 |
| Cash dividends to net income (ytd only)* | 64.2674% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2267% | 4,511 |
| Loan loss allowance to noncurrent loans | 77.2657% | 4,260 |
| Noncurrent assets plus other real estate owned to assets | 1.0326% | 3,187 |
| Noncurrent loans to loans | 1.5876% | 2,434 |
| Net loans and leases to total assets | 62.9881% | 3,074 |
| Net loans and leases to deposits | 72.9529% | 3,211 |
| Net loans and leases to core deposits | 80.1337% | 2,948 |
| Total domestic deposits to total assets | 86.3408% | 3,187 |
| Equity capital to assets | 11.5395% | 2,212 |
| Core capital (leverage) ratio | 7.6375% | 6,293 |
| Tier 1 risk-based capital ratio | 10.5055% | 6,332 |
| Total risk-based capital ratio | 11.6616% | 6,319 |
| Memoranda: | ||
| Average total assets | $125,080,000 | 4,163 |
| Average earning assets | $113,217,500 | 4,194 |
| Average equity | $14,521,000 | 3,946 |
| Average total loans | $83,910,000 | 3,844 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5920% | 1,904 |
| Cost of funding earning assets | 0.6621% | 2,104 |
| Net interest margin | 3.9300% | 2,181 |
| Noninterest income to average assets | 0.2490% | 5,564 |
| Noninterest expense to average assets | 1.5471% | 6,544 |
| Loan and lease loss provision to assets | 0.3857% | 785 |
| Net operating income to assets | 1.8464% | 443 |
| Return on assets (ROA) | 1.8431% | 456 |
| Pretax return on assets | 1.8816% | 628 |
| Return on Equity (ROE) | 15.6892% | 662 |
| Retained earnings to average equity (ytd only) | 7.6019% | 1,195 |
| Net charge-offs to loans | 0.0645% | 4,307 |
| Credit loss provision to net charge-offs | 884.6154% | 285 |
| Earnings coverage of net charge-offs (x) | 52.0769% | 770 |
| Efficiency ratio | 40.0835% | 6,687 |
| Assets per employee ($millions) | 6.0779% | 1,220 |
| Cash dividends to net income (ytd only)* | 51.5469% | 2,195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0139% | 5,494 |
| Loan loss allowance to noncurrent loans | 65.1685% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.1196% | 3,161 |
| Noncurrent loans to loans | 1.5558% | 2,563 |
| Net loans and leases to total assets | 69.8761% | 2,033 |
| Net loans and leases to deposits | 83.5653% | 1,985 |
| Net loans and leases to core deposits | 92.7110% | 1,704 |
| Total domestic deposits to total assets | 83.6185% | 4,314 |
| Equity capital to assets | 11.6833% | 2,042 |
| Core capital (leverage) ratio | 7.7600% | 6,269 |
| Tier 1 risk-based capital ratio | 10.0979% | 6,491 |
| Total risk-based capital ratio | 11.0742% | 6,517 |
| Memoranda: | ||
| Average total assets | $119,257,400 | 4,290 |
| Average earning assets | $108,296,200 | 4,305 |
| Average equity | $14,009,600 | 4,071 |
| Average total loans | $80,597,800 | 3,922 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 2,239 |
| Cost of funding earning assets | 0.6440% | 2,417 |
| Net interest margin | 3.8531% | 2,450 |
| Noninterest income to average assets | 0.2483% | 5,655 |
| Noninterest expense to average assets | 1.5458% | 6,604 |
| Loan and lease loss provision to assets | 0.3483% | 925 |
| Net operating income to assets | 1.8165% | 505 |
| Return on assets (ROA) | 1.8110% | 532 |
| Pretax return on assets | 1.8503% | 800 |
| Return on Equity (ROE) | 15.3943% | 729 |
| Retained earnings to average equity (ytd only) | 6.7804% | 1,982 |
| Net charge-offs to loans | 0.0639% | 4,000 |
| Credit loss provision to net charge-offs | 815.7895% | 364 |
| Earnings coverage of net charge-offs (x) | 51.6268% | 846 |
| Efficiency ratio | 40.7729% | 6,732 |
| Assets per employee ($millions) | 6.4105% | 966 |
| Cash dividends to net income (ytd only)* | 55.9555% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8583% | 6,165 |
| Loan loss allowance to noncurrent loans | 130.8378% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 4,948 |
| Noncurrent loans to loans | 0.6560% | 4,562 |
| Net loans and leases to total assets | 69.6089% | 2,030 |
| Net loans and leases to deposits | 83.3134% | 1,961 |
| Net loans and leases to core deposits | 92.4166% | 1,730 |
| Total domestic deposits to total assets | 83.5508% | 4,358 |
| Equity capital to assets | 11.2275% | 2,532 |
| Core capital (leverage) ratio | 7.5592% | 6,428 |
| Tier 1 risk-based capital ratio | 9.7014% | 6,657 |
| Total risk-based capital ratio | 10.5257% | 6,690 |
| Memoranda: | ||
| Average total assets | $118,682,250 | 4,345 |
| Average earning assets | $107,857,250 | 4,357 |
| Average equity | $13,961,500 | 4,121 |
| Average total loans | $79,294,750 | 3,994 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3868% | 2,621 |
| Cost of funding earning assets | 0.6235% | 2,743 |
| Net interest margin | 3.7633% | 2,703 |
| Noninterest income to average assets | 0.2499% | 5,659 |
| Noninterest expense to average assets | 1.5555% | 6,632 |
| Loan and lease loss provision to assets | 0.3060% | 1,169 |
| Net operating income to assets | 1.7662% | 551 |
| Return on assets (ROA) | 1.7579% | 606 |
| Pretax return on assets | 1.7970% | 937 |
| Return on Equity (ROE) | 14.7115% | 865 |
| Retained earnings to average equity (ytd only) | 5.7053% | 2,608 |
| Net charge-offs to loans | 0.0906% | 3,456 |
| Credit loss provision to net charge-offs | 514.2857% | 538 |
| Earnings coverage of net charge-offs (x) | 35.4857% | 1,020 |
| Efficiency ratio | 41.9564% | 6,755 |
| Assets per employee ($millions) | 5.9715% | 1,216 |
| Cash dividends to net income (ytd only)* | 61.2186% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7604% | 6,418 |
| Loan loss allowance to noncurrent loans | 108.9767% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.4882% | 5,046 |
| Noncurrent loans to loans | 0.6977% | 4,541 |
| Net loans and leases to total assets | 66.3348% | 2,532 |
| Net loans and leases to deposits | 79.9457% | 2,328 |
| Net loans and leases to core deposits | 87.2577% | 2,198 |
| Total domestic deposits to total assets | 82.9748% | 4,702 |
| Equity capital to assets | 11.6814% | 2,146 |
| Core capital (leverage) ratio | 7.5038% | 6,451 |
| Tier 1 risk-based capital ratio | 9.9757% | 6,640 |
| Total risk-based capital ratio | 10.7031% | 6,714 |
| Memoranda: | ||
| Average total assets | $117,643,330 | 4,400 |
| Average earning assets | $106,821,000 | 4,415 |
| Average equity | $14,057,000 | 4,139 |
| Average total loans | $77,220,670 | 4,064 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3110% | 2,852 |
| Cost of funding earning assets | 0.5687% | 3,393 |
| Net interest margin | 3.7423% | 2,688 |
| Noninterest income to average assets | 0.2433% | 5,716 |
| Noninterest expense to average assets | 1.5760% | 6,682 |
| Loan and lease loss provision to assets | 0.3083% | 1,107 |
| Net operating income to assets | 1.6994% | 586 |
| Return on assets (ROA) | 1.6994% | 647 |
| Pretax return on assets | 1.7405% | 991 |
| Return on Equity (ROE) | 14.0609% | 953 |
| Retained earnings to average equity (ytd only) | 3.1467% | 4,376 |
| Net charge-offs to loans | 0.1475% | 2,519 |
| Credit loss provision to net charge-offs | 321.4286% | 752 |
| Earnings coverage of net charge-offs (x) | 21.3571% | 1,160 |
| Efficiency ratio | 43.0057% | 6,807 |
| Assets per employee ($millions) | 6.1119% | 1,185 |
| Cash dividends to net income (ytd only)* | 77.6210% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6924% | 6,611 |
| Loan loss allowance to noncurrent loans | 110.5485% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4306% | 5,313 |
| Noncurrent loans to loans | 0.6263% | 4,880 |
| Net loans and leases to total assets | 64.7171% | 2,581 |
| Net loans and leases to deposits | 75.0819% | 2,760 |
| Net loans and leases to core deposits | 80.3588% | 2,768 |
| Total domestic deposits to total assets | 86.1953% | 3,419 |
| Equity capital to assets | 12.2185% | 1,897 |
| Core capital (leverage) ratio | 7.3989% | 6,507 |
| Tier 1 risk-based capital ratio | 9.9543% | 6,698 |
| Total risk-based capital ratio | 10.6039% | 6,774 |
| Memoranda: | ||
| Average total assets | $116,750,500 | 4,467 |
| Average earning assets | $105,497,000 | 4,486 |
| Average equity | $14,110,000 | 4,178 |
| Average total loans | $75,916,000 | 4,133 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2392% | 4,440 |
| Cost of funding earning assets | 0.6302% | 4,098 |
| Net interest margin | 3.6090% | 4,043 |
| Noninterest income to average assets | 0.2785% | 5,472 |
| Noninterest expense to average assets | 1.6042% | 6,803 |
| Loan and lease loss provision to assets | 0.3298% | 2,061 |
| Net operating income to assets | 1.4497% | 1,006 |
| Return on assets (ROA) | 1.4530% | 1,115 |
| Pretax return on assets | 1.6060% | 1,365 |
| Return on Equity (ROE) | 11.7318% | 1,584 |
| Retained earnings to average equity (ytd only) | 1.4276% | 5,158 |
| Net charge-offs to loans | 0.1154% | 4,531 |
| Credit loss provision to net charge-offs | 480.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 28.1200% | 1,051 |
| Efficiency ratio | 44.8446% | 6,820 |
| Assets per employee ($millions) | 5.8687% | 1,381 |
| Cash dividends to net income (ytd only)* | 87.8310% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6067% | 6,748 |
| Loan loss allowance to noncurrent loans | 119.0722% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 0.3306% | 5,681 |
| Noncurrent loans to loans | 0.5095% | 5,262 |
| Net loans and leases to total assets | 64.4879% | 2,814 |
| Net loans and leases to deposits | 81.7188% | 2,040 |
| Net loans and leases to core deposits | 84.4909% | 2,492 |
| Total domestic deposits to total assets | 78.9144% | 5,906 |
| Equity capital to assets | 11.9541% | 2,072 |
| Core capital (leverage) ratio | 7.2652% | 6,604 |
| Tier 1 risk-based capital ratio | 9.9836% | 6,708 |
| Total risk-based capital ratio | 10.5666% | 6,820 |
| Memoranda: | ||
| Average total assets | $109,152,800 | 4,611 |
| Average earning assets | $98,532,400 | 4,624 |
| Average equity | $13,518,800 | 4,255 |
| Average total loans | $64,966,200 | 4,546 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1820% | 4,879 |
| Cost of funding earning assets | 0.6369% | 4,297 |
| Net interest margin | 3.5451% | 4,460 |
| Noninterest income to average assets | 0.3063% | 5,332 |
| Noninterest expense to average assets | 1.6209% | 6,858 |
| Loan and lease loss provision to assets | 0.3361% | 1,944 |
| Net operating income to assets | 1.3713% | 1,284 |
| Return on assets (ROA) | 1.3757% | 1,413 |
| Pretax return on assets | 1.5624% | 1,696 |
| Return on Equity (ROE) | 11.0024% | 1,960 |
| Retained earnings to average equity (ytd only) | 0.2688% | 5,999 |
| Net charge-offs to loans | 0.1029% | 4,364 |
| Credit loss provision to net charge-offs | 562.5000% | 465 |
| Earnings coverage of net charge-offs (x) | 31.6867% | 1,054 |
| Efficiency ratio | 45.5898% | 6,835 |
| Assets per employee ($millions) | 5.6708% | 1,481 |
| Cash dividends to net income (ytd only)* | 97.5565% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5627% | 6,901 |
| Loan loss allowance to noncurrent loans | 82.2680% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.4276% | 5,614 |
| Noncurrent loans to loans | 0.6840% | 5,070 |
| Net loans and leases to total assets | 62.1699% | 3,351 |
| Net loans and leases to deposits | 75.0498% | 3,139 |
| Net loans and leases to core deposits | 79.1030% | 3,311 |
| Total domestic deposits to total assets | 82.8382% | 4,712 |
| Equity capital to assets | 11.9861% | 2,269 |
| Core capital (leverage) ratio | 7.2288% | 6,737 |
| Tier 1 risk-based capital ratio | 10.4151% | 6,696 |
| Total risk-based capital ratio | 10.9699% | 6,855 |
| Memoranda: | ||
| Average total assets | $107,097,500 | 4,706 |
| Average earning assets | $96,920,000 | 4,715 |
| Average equity | $13,390,750 | 4,321 |
| Average total loans | $62,169,250 | 4,673 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1389% | 5,166 |
| Cost of funding earning assets | 0.6325% | 4,604 |
| Net interest margin | 3.5064% | 4,642 |
| Noninterest income to average assets | 0.3276% | 5,207 |
| Noninterest expense to average assets | 1.6687% | 6,866 |
| Loan and lease loss provision to assets | 0.3429% | 1,919 |
| Net operating income to assets | 1.4382% | 1,112 |
| Return on assets (ROA) | 1.4382% | 1,247 |
| Pretax return on assets | 1.4839% | 1,901 |
| Return on Equity (ROE) | 11.3338% | 1,866 |
| Retained earnings to average equity (ytd only) | 0.5554% | 5,842 |
| Net charge-offs to loans | 0.1080% | 4,101 |
| Credit loss provision to net charge-offs | 562.5000% | 555 |
| Earnings coverage of net charge-offs (x) | 29.9688% | 1,070 |
| Efficiency ratio | 47.1935% | 6,821 |
| Assets per employee ($millions) | 5.1377% | 1,984 |
| Cash dividends to net income (ytd only)* | 95.0993% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5159% | 7,009 |
| Loan loss allowance to noncurrent loans | 133.7449% | 2,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2456% | 6,154 |
| Noncurrent loans to loans | 0.3857% | 5,760 |
| Net loans and leases to total assets | 58.0868% | 4,143 |
| Net loans and leases to deposits | 67.6552% | 4,257 |
| Net loans and leases to core deposits | 70.9181% | 4,426 |
| Total domestic deposits to total assets | 85.8572% | 3,423 |
| Equity capital to assets | 12.5450% | 1,788 |
| Core capital (leverage) ratio | 7.4067% | 6,661 |
| Tier 1 risk-based capital ratio | 11.0230% | 6,485 |
| Total risk-based capital ratio | 11.5010% | 6,747 |
| Memoranda: | ||
| Average total assets | $104,991,670 | 4,776 |
| Average earning assets | $94,855,670 | 4,793 |
| Average equity | $13,323,000 | 4,335 |
| Average total loans | $59,256,000 | 4,816 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1364% | 5,337 |
| Cost of funding earning assets | 0.6228% | 4,944 |
| Net interest margin | 3.5135% | 4,626 |
| Noninterest income to average assets | 0.3747% | 4,861 |
| Noninterest expense to average assets | 1.7732% | 6,823 |
| Loan and lease loss provision to assets | 0.3477% | 1,797 |
| Net operating income to assets | 1.3714% | 1,275 |
| Return on assets (ROA) | 1.3714% | 1,425 |
| Pretax return on assets | 1.4139% | 2,147 |
| Return on Equity (ROE) | 10.7437% | 2,125 |
| Retained earnings to average equity (ytd only) | -1.3014% | 6,196 |
| Net charge-offs to loans | 0.1673% | 3,084 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 19.0000% | 1,240 |
| Efficiency ratio | 49.6175% | 6,696 |
| Assets per employee ($millions) | 5.6637% | 1,551 |
| Cash dividends to net income (ytd only)* | 112.1127% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4184% | 7,124 |
| Loan loss allowance to noncurrent loans | 87.0968% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 6,238 |
| Noncurrent loans to loans | 0.4804% | 5,710 |
| Net loans and leases to total assets | 53.7482% | 4,762 |
| Net loans and leases to deposits | 61.4550% | 4,992 |
| Net loans and leases to core deposits | 63.6293% | 5,162 |
| Total domestic deposits to total assets | 87.4595% | 2,682 |
| Equity capital to assets | 12.3937% | 1,795 |
| Core capital (leverage) ratio | 7.5418% | 6,610 |
| Tier 1 risk-based capital ratio | 11.4149% | 6,332 |
| Total risk-based capital ratio | 11.7892% | 6,711 |
| Memoranda: | ||
| Average total assets | $103,541,500 | 4,849 |
| Average earning assets | $93,125,500 | 4,874 |
| Average equity | $13,217,000 | 4,367 |
| Average total loans | $57,386,000 | 4,921 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1902% | 7,128 |
| Cost of funding earning assets | 0.4089% | 6,864 |
| Net interest margin | 2.7813% | 6,840 |
| Noninterest income to average assets | 0.2422% | 5,807 |
| Noninterest expense to average assets | 1.2653% | 7,249 |
| Loan and lease loss provision to assets | 0.2079% | 4,105 |
| Net operating income to assets | 1.0252% | 2,104 |
| Return on assets (ROA) | 0.9565% | 2,513 |
| Pretax return on assets | 1.2017% | 2,449 |
| Return on Equity (ROE) | 7.9834% | 2,907 |
| Retained earnings to average equity (ytd only) | 3.8149% | 3,500 |
| Net charge-offs to loans | 0.0598% | 5,706 |
| Credit loss provision to net charge-offs | 710.3448% | 307 |
| Earnings coverage of net charge-offs (x) | 51.1034% | 547 |
| Efficiency ratio | 45.2851% | 7,080 |
| Assets per employee ($millions) | 5.2354% | 1,902 |
| Cash dividends to net income (ytd only)* | 52.2152% | 1,938 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3122% | 7,213 |
| Loan loss allowance to noncurrent loans | 163.8889% | 1,963 |
| Noncurrent assets plus other real estate owned to assets | 0.1086% | 6,682 |
| Noncurrent loans to loans | 0.1905% | 6,367 |
| Net loans and leases to total assets | 56.8130% | 4,574 |
| Net loans and leases to deposits | 66.5086% | 4,667 |
| Net loans and leases to core deposits | 69.4084% | 4,863 |
| Total domestic deposits to total assets | 85.4220% | 3,632 |
| Equity capital to assets | 13.1665% | 1,412 |
| Core capital (leverage) ratio | 7.9918% | 6,284 |
| Tier 1 risk-based capital ratio | 11.8718% | 5,918 |
| Total risk-based capital ratio | 12.1539% | 6,484 |
| Memoranda: | ||
| Average total assets | $99,106,600 | 4,912 |
| Average earning assets | $89,743,400 | 4,942 |
| Average equity | $11,874,600 | 4,577 |
| Average total loans | $48,499,600 | 5,323 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7861% | 7,311 |
| Cost of funding earning assets | 0.3550% | 7,114 |
| Net interest margin | 2.4312% | 7,167 |
| Noninterest income to average assets | 0.1912% | 6,222 |
| Noninterest expense to average assets | 1.1190% | 7,359 |
| Loan and lease loss provision to assets | 0.1145% | 4,996 |
| Net operating income to assets | 0.8219% | 3,053 |
| Return on assets (ROA) | 0.7406% | 3,595 |
| Pretax return on assets | 1.0476% | 3,223 |
| Return on Equity (ROE) | 6.3387% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.3387% | 2,336 |
| Net charge-offs to loans | 0.0488% | 5,501 |
| Credit loss provision to net charge-offs | 500.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 55.7552% | 588 |
| Efficiency ratio | 46.1495% | 7,053 |
| Assets per employee ($millions) | 5.2771% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1372% | 7,346 |
| Loan loss allowance to noncurrent loans | 24.7273% | 6,500 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 6,379 |
| Noncurrent loans to loans | 0.5549% | 5,756 |
| Net loans and leases to total assets | 49.3632% | 5,788 |
| Net loans and leases to deposits | 56.9650% | 5,940 |
| Net loans and leases to core deposits | 57.3617% | 6,187 |
| Total domestic deposits to total assets | 86.6554% | 2,851 |
| Equity capital to assets | 13.1641% | 1,529 |
| Core capital (leverage) ratio | 8.0200% | 6,378 |
| Tier 1 risk-based capital ratio | 12.7386% | 5,298 |
| Total risk-based capital ratio | 12.8535% | 6,160 |
| Memoranda: | ||
| Average total assets | $99,015,250 | 4,954 |
| Average earning assets | $89,775,250 | 4,961 |
| Average equity | $11,569,000 | 4,671 |
| Average total loans | $46,452,000 | 5,454 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1064% | 7,440 |
| Cost of funding earning assets | 0.2483% | 7,364 |
| Net interest margin | 1.8581% | 7,392 |
| Noninterest income to average assets | 0.1420% | 6,614 |
| Noninterest expense to average assets | 0.8479% | 7,464 |
| Loan and lease loss provision to assets | 0.1724% | 4,204 |
| Net operating income to assets | 0.5574% | 4,276 |
| Return on assets (ROA) | 0.4402% | 4,908 |
| Pretax return on assets | 0.6491% | 4,575 |
| Return on Equity (ROE) | 3.9363% | 4,968 |
| Retained earnings to average equity (ytd only) | 3.9363% | 3,690 |
| Net charge-offs to loans | 0.0264% | 5,453 |
| Credit loss provision to net charge-offs | 1,416.6667% | 250 |
| Earnings coverage of net charge-offs (x) | 81.6667% | 418 |
| Efficiency ratio | 45.4846% | 7,178 |
| Assets per employee ($millions) | 5.2186% | 1,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1723% | 7,401 |
| Loan loss allowance to noncurrent loans | 60.7692% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 0.1311% | 6,761 |
| Noncurrent loans to loans | 0.2835% | 6,355 |
| Net loans and leases to total assets | 46.1691% | 6,252 |
| Net loans and leases to deposits | 53.4047% | 6,352 |
| Net loans and leases to core deposits | 54.8588% | 6,504 |
| Total domestic deposits to total assets | 86.4512% | 3,071 |
| Equity capital to assets | 12.9406% | 1,545 |
| Core capital (leverage) ratio | 7.7443% | 6,550 |
| Tier 1 risk-based capital ratio | 13.0727% | 4,859 |
| Total risk-based capital ratio | 13.2161% | 5,787 |
| Memoranda: | ||
| Average total assets | $98,598,670 | 4,999 |
| Average earning assets | $90,202,000 | 4,988 |
| Average equity | $11,025,670 | 4,798 |
| Average total loans | $45,415,330 | 5,543 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2322% | 6,199 |
| Cost of funding earning assets | 0.9462% | 4,601 |
| Net interest margin | 3.2860% | 5,828 |
| Noninterest income to average assets | 0.2807% | 5,664 |
| Noninterest expense to average assets | 1.8714% | 7,038 |
| Loan and lease loss provision to assets | 0.4272% | 2,054 |
| Net operating income to assets | 0.8096% | 2,981 |
| Return on assets (ROA) | 0.8096% | 3,046 |
| Pretax return on assets | 1.1188% | 2,685 |
| Return on Equity (ROE) | 7.8633% | 2,974 |
| Retained earnings to average equity (ytd only) | -264.6646% | 7,548 |
| Net charge-offs to loans | 1.7878% | 729 |
| Credit loss provision to net charge-offs | 51.9802% | 3,713 |
| Earnings coverage of net charge-offs (x) | 1.8812% | 3,365 |
| Efficiency ratio | 54.7619% | 6,622 |
| Assets per employee ($millions) | 5.1046% | 2,022 |
| Cash dividends to net income (ytd only)* | 3,465.8291% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2317% | 1,890 |
| Loan loss allowance to noncurrent loans | 535.3591% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.1773% | 6,714 |
| Noncurrent loans to loans | 0.4169% | 6,164 |
| Net loans and leases to total assets | 41.5806% | 6,661 |
| Net loans and leases to deposits | 48.2688% | 6,740 |
| Net loans and leases to core deposits | 49.7009% | 6,790 |
| Total domestic deposits to total assets | 86.1437% | 3,438 |
| Equity capital to assets | 6.6225% | 7,179 |
| Core capital (leverage) ratio | 6.3722% | 7,198 |
| Tier 1 risk-based capital ratio | 11.6025% | 6,019 |
| Total risk-based capital ratio | 12.8589% | 5,999 |
| Memoranda: | ||
| Average total assets | $98,321,500 | 5,046 |
| Average earning assets | $93,853,000 | 4,917 |
| Average equity | $10,123,000 | 5,014 |
| Average total loans | $45,194,500 | 5,600 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 5,470 |
| Cost of funding earning assets | 1.1033% | 5,121 |
| Net interest margin | 3.6816% | 4,435 |
| Noninterest income to average assets | 0.2900% | 5,714 |
| Noninterest expense to average assets | 1.8552% | 7,213 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3736% | 1,000 |
| Return on assets (ROA) | 1.3736% | 1,068 |
| Pretax return on assets | 1.9494% | 543 |
| Return on Equity (ROE) | 10.0555% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.0555% | 513 |
| Net charge-offs to loans | 0.3928% | 4,071 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 10.7630% | 1,673 |
| Efficiency ratio | 48.7617% | 7,215 |
| Assets per employee ($millions) | 4.9764% | 2,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2695% | 1,742 |
| Loan loss allowance to noncurrent loans | 561.0526% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 6,722 |
| Noncurrent loans to loans | 0.4045% | 6,237 |
| Net loans and leases to total assets | 48.5489% | 6,332 |
| Net loans and leases to deposits | 56.9847% | 6,353 |
| Net loans and leases to core deposits | 58.8332% | 6,487 |
| Total domestic deposits to total assets | 85.1965% | 3,755 |
| Equity capital to assets | 14.2620% | 962 |
| Core capital (leverage) ratio | 13.5710% | 965 |
| Tier 1 risk-based capital ratio | 22.9912% | 1,040 |
| Total risk-based capital ratio | 24.2481% | 1,017 |
| Memoranda: | ||
| Average total assets | $95,516,000 | 5,113 |
| Average earning assets | $91,184,000 | 4,978 |
| Average equity | $13,047,600 | 4,353 |
| Average total loans | $44,045,400 | 5,744 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8049% | 5,636 |
| Cost of funding earning assets | 1.1141% | 5,354 |
| Net interest margin | 3.6908% | 4,455 |
| Noninterest income to average assets | 0.3161% | 5,619 |
| Noninterest expense to average assets | 1.8505% | 7,267 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4035% | 1,095 |
| Return on assets (ROA) | 1.4035% | 1,167 |
| Pretax return on assets | 1.9897% | 630 |
| Return on Equity (ROE) | 10.3876% | 1,979 |
| Retained earnings to average equity (ytd only) | 10.3876% | 702 |
| Net charge-offs to loans | 0.2001% | 4,747 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 21.9858% | 1,113 |
| Efficiency ratio | 48.1871% | 7,262 |
| Assets per employee ($millions) | 5.0025% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5765% | 1,241 |
| Loan loss allowance to noncurrent loans | 969.4215% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.1873% | 6,895 |
| Noncurrent loans to loans | 0.2658% | 6,652 |
| Net loans and leases to total assets | 46.6648% | 6,643 |
| Net loans and leases to deposits | 54.7628% | 6,711 |
| Net loans and leases to core deposits | 56.5278% | 6,828 |
| Total domestic deposits to total assets | 85.2127% | 3,510 |
| Equity capital to assets | 14.1087% | 1,135 |
| Core capital (leverage) ratio | 13.5381% | 1,049 |
| Tier 1 risk-based capital ratio | 22.8079% | 1,094 |
| Total risk-based capital ratio | 24.0685% | 1,063 |
| Memoranda: | ||
| Average total assets | $95,757,000 | 5,167 |
| Average earning assets | $91,431,250 | 5,025 |
| Average equity | $12,938,250 | 4,451 |
| Average total loans | $43,314,250 | 5,859 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7897% | 5,831 |
| Cost of funding earning assets | 1.1139% | 5,604 |
| Net interest margin | 3.6758% | 4,470 |
| Noninterest income to average assets | 0.2313% | 6,261 |
| Noninterest expense to average assets | 1.8647% | 7,306 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3522% | 1,187 |
| Return on assets (ROA) | 1.3522% | 1,259 |
| Pretax return on assets | 1.8730% | 772 |
| Return on Equity (ROE) | 10.1557% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.1557% | 813 |
| Net charge-offs to loans | 0.3147% | 3,749 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 13.4179% | 1,592 |
| Efficiency ratio | 49.8885% | 7,232 |
| Assets per employee ($millions) | 4.9698% | 2,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6913% | 1,101 |
| Loan loss allowance to noncurrent loans | 1,698.5507% | 228 |
| Noncurrent assets plus other real estate owned to assets | 0.1472% | 7,023 |
| Noncurrent loans to loans | 0.1584% | 6,949 |
| Net loans and leases to total assets | 44.8764% | 6,863 |
| Net loans and leases to deposits | 52.5041% | 6,947 |
| Net loans and leases to core deposits | 54.0284% | 7,034 |
| Total domestic deposits to total assets | 85.4722% | 3,384 |
| Equity capital to assets | 13.8225% | 1,236 |
| Core capital (leverage) ratio | 13.1540% | 1,154 |
| Tier 1 risk-based capital ratio | 22.7900% | 1,087 |
| Total risk-based capital ratio | 24.0510% | 1,072 |
| Memoranda: | ||
| Average total assets | $95,993,330 | 5,194 |
| Average earning assets | $91,572,000 | 5,044 |
| Average equity | $12,781,000 | 4,488 |
| Average total loans | $42,576,670 | 5,924 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 6,128 |
| Cost of funding earning assets | 1.1217% | 5,794 |
| Net interest margin | 3.6130% | 4,669 |
| Noninterest income to average assets | 0.2149% | 6,423 |
| Noninterest expense to average assets | 1.9137% | 7,313 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2400% | 1,431 |
| Return on assets (ROA) | 1.2400% | 1,502 |
| Pretax return on assets | 1.7359% | 993 |
| Return on Equity (ROE) | 9.4895% | 2,295 |
| Retained earnings to average equity (ytd only) | 9.4895% | 1,273 |
| Net charge-offs to loans | 0.6367% | 2,231 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 6.2687% | 2,255 |
| Efficiency ratio | 52.4349% | 7,110 |
| Assets per employee ($millions) | 5.0475% | 2,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8539% | 933 |
| Loan loss allowance to noncurrent loans | 563.4615% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 6,753 |
| Noncurrent loans to loans | 0.5065% | 6,280 |
| Net loans and leases to total assets | 41.5998% | 7,149 |
| Net loans and leases to deposits | 48.4239% | 7,211 |
| Net loans and leases to core deposits | 49.8034% | 7,289 |
| Total domestic deposits to total assets | 85.9075% | 3,206 |
| Equity capital to assets | 13.3115% | 1,394 |
| Core capital (leverage) ratio | 12.7934% | 1,295 |
| Tier 1 risk-based capital ratio | 22.6910% | 1,120 |
| Total risk-based capital ratio | 23.9528% | 1,092 |
| Memoranda: | ||
| Average total assets | $96,777,000 | 5,237 |
| Average earning assets | $92,000,500 | 5,103 |
| Average equity | $12,645,500 | 4,554 |
| Average total loans | $42,091,500 | 6,020 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9969% | 6,442 |
| Cost of funding earning assets | 1.4698% | 5,637 |
| Net interest margin | 3.5272% | 4,832 |
| Noninterest income to average assets | 0.2758% | 6,131 |
| Noninterest expense to average assets | 1.7754% | 7,635 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3409% | 957 |
| Return on assets (ROA) | 1.3409% | 1,002 |
| Pretax return on assets | 1.8926% | 521 |
| Return on Equity (ROE) | 10.9015% | 1,454 |
| Retained earnings to average equity (ytd only) | 10.9015% | 289 |
| Net charge-offs to loans | -0.1971% | 7,912 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4026% | 7,617 |
| Assets per employee ($millions) | 5.1396% | 2,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8736% | 859 |
| Loan loss allowance to noncurrent loans | 6,195.0000% | 74 |
| Noncurrent assets plus other real estate owned to assets | 0.0922% | 7,266 |
| Noncurrent loans to loans | 0.0464% | 7,318 |
| Net loans and leases to total assets | 42.8839% | 7,197 |
| Net loans and leases to deposits | 51.4649% | 7,174 |
| Net loans and leases to core deposits | 60.8686% | 7,233 |
| Total domestic deposits to total assets | 83.3265% | 4,376 |
| Equity capital to assets | 12.8262% | 1,585 |
| Core capital (leverage) ratio | 12.2228% | 1,568 |
| Tier 1 risk-based capital ratio | 21.3956% | 1,238 |
| Total risk-based capital ratio | 22.6577% | 1,205 |
| Memoranda: | ||
| Average total assets | $96,429,800 | 5,182 |
| Average earning assets | $92,736,800 | 5,037 |
| Average equity | $11,860,800 | 4,783 |
| Average total loans | $42,612,200 | 5,997 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 6,604 |
| Cost of funding earning assets | 1.5337% | 5,696 |
| Net interest margin | 3.4656% | 5,009 |
| Noninterest income to average assets | 0.2233% | 6,630 |
| Noninterest expense to average assets | 1.7574% | 7,702 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2900% | 1,247 |
| Return on assets (ROA) | 1.2900% | 1,316 |
| Pretax return on assets | 1.8101% | 787 |
| Return on Equity (ROE) | 10.6028% | 1,732 |
| Retained earnings to average equity (ytd only) | 10.6028% | 534 |
| Net charge-offs to loans | 0.0251% | 6,533 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 163.0703% | 231 |
| Efficiency ratio | 49.2613% | 7,605 |
| Assets per employee ($millions) | 5.4607% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4510% | 1,109 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 7,383 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 46.4433% | 7,073 |
| Net loans and leases to deposits | 53.9400% | 7,221 |
| Net loans and leases to core deposits | 62.9360% | 7,285 |
| Total domestic deposits to total assets | 86.1016% | 2,647 |
| Equity capital to assets | 12.5107% | 1,947 |
| Core capital (leverage) ratio | 11.7550% | 1,933 |
| Tier 1 risk-based capital ratio | 19.8713% | 1,587 |
| Total risk-based capital ratio | 21.1300% | 1,538 |
| Memoranda: | ||
| Average total assets | $96,124,250 | 5,240 |
| Average earning assets | $92,756,750 | 5,080 |
| Average equity | $11,694,750 | 4,870 |
| Average total loans | $42,486,250 | 6,045 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0128% | 6,724 |
| Cost of funding earning assets | 1.6093% | 5,707 |
| Net interest margin | 3.4035% | 5,150 |
| Noninterest income to average assets | 0.2327% | 6,615 |
| Noninterest expense to average assets | 1.8155% | 7,726 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2054% | 1,456 |
| Return on assets (ROA) | 1.2054% | 1,546 |
| Pretax return on assets | 1.6981% | 1,022 |
| Return on Equity (ROE) | 10.0052% | 2,021 |
| Retained earnings to average equity (ytd only) | 10.0052% | 732 |
| Net charge-offs to loans | 0.0390% | 5,919 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 101.2500% | 379 |
| Efficiency ratio | 51.6706% | 7,538 |
| Assets per employee ($millions) | 5.3469% | 1,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7958% | 684 |
| Loan loss allowance to noncurrent loans | 421.6912% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.2826% | 6,769 |
| Noncurrent loans to loans | 0.6630% | 5,929 |
| Net loans and leases to total assets | 41.4349% | 7,480 |
| Net loans and leases to deposits | 47.6953% | 7,574 |
| Net loans and leases to core deposits | 55.8576% | 7,600 |
| Total domestic deposits to total assets | 86.8741% | 2,319 |
| Equity capital to assets | 12.1866% | 2,103 |
| Core capital (leverage) ratio | 11.7980% | 1,922 |
| Tier 1 risk-based capital ratio | 21.0957% | 1,376 |
| Total risk-based capital ratio | 22.3580% | 1,347 |
| Memoranda: | ||
| Average total assets | $95,401,670 | 5,299 |
| Average earning assets | $91,964,670 | 5,125 |
| Average equity | $11,494,000 | 4,953 |
| Average total loans | $41,049,330 | 6,156 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 6,748 |
| Cost of funding earning assets | 1.6830% | 5,673 |
| Net interest margin | 3.3834% | 5,202 |
| Noninterest income to average assets | 0.2358% | 6,571 |
| Noninterest expense to average assets | 1.7856% | 7,719 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1750% | 1,726 |
| Return on assets (ROA) | 1.1750% | 1,835 |
| Pretax return on assets | 1.7014% | 1,175 |
| Return on Equity (ROE) | 9.8097% | 2,395 |
| Retained earnings to average equity (ytd only) | 9.8097% | 1,245 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2077% | 7,490 |
| Assets per employee ($millions) | 5.2281% | 1,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8971% | 529 |
| Loan loss allowance to noncurrent loans | 544.8113% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 6,855 |
| Noncurrent loans to loans | 0.5318% | 6,091 |
| Net loans and leases to total assets | 41.1381% | 7,517 |
| Net loans and leases to deposits | 47.4348% | 7,608 |
| Net loans and leases to core deposits | 55.4088% | 7,639 |
| Total domestic deposits to total assets | 86.7255% | 2,349 |
| Equity capital to assets | 12.2289% | 2,121 |
| Core capital (leverage) ratio | 11.6425% | 2,073 |
| Tier 1 risk-based capital ratio | 21.4216% | 1,387 |
| Total risk-based capital ratio | 22.6848% | 1,347 |
| Memoranda: | ||
| Average total assets | $94,980,000 | 5,329 |
| Average earning assets | $91,268,000 | 5,174 |
| Average equity | $11,376,500 | 5,009 |
| Average total loans | $41,061,000 | 6,190 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5797% | 7,136 |
| Cost of funding earning assets | 2.2559% | 5,346 |
| Net interest margin | 3.3238% | 5,956 |
| Noninterest income to average assets | 0.2879% | 6,402 |
| Noninterest expense to average assets | 1.7537% | 7,811 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2391% | 1,654 |
| Return on assets (ROA) | 1.2391% | 1,602 |
| Pretax return on assets | 1.7027% | 1,138 |
| Return on Equity (ROE) | 10.3139% | 2,154 |
| Retained earnings to average equity (ytd only) | -1.0097% | 5,605 |
| Net charge-offs to loans | 0.2582% | 3,693 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 14.7255% | 2,010 |
| Efficiency ratio | 50.7379% | 7,610 |
| Assets per employee ($millions) | 5.3253% | 1,619 |
| Cash dividends to net income (ytd only)* | 109.7896% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7335% | 549 |
| Loan loss allowance to noncurrent loans | 552.6316% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 6,700 |
| Noncurrent loans to loans | 0.4946% | 5,866 |
| Net loans and leases to total assets | 42.8762% | 7,538 |
| Net loans and leases to deposits | 49.4418% | 7,653 |
| Net loans and leases to core deposits | 58.4332% | 7,653 |
| Total domestic deposits to total assets | 86.7206% | 2,082 |
| Equity capital to assets | 11.7313% | 2,481 |
| Core capital (leverage) ratio | 11.3110% | 2,362 |
| Tier 1 risk-based capital ratio | 20.0519% | 1,611 |
| Total risk-based capital ratio | 21.3140% | 1,573 |
| Memoranda: | ||
| Average total assets | $88,212,000 | 5,412 |
| Average earning assets | $84,089,800 | 5,298 |
| Average equity | $10,597,400 | 5,241 |
| Average total loans | $39,507,400 | 6,190 |