Home > Security Savings Bank > Performance and Condition Ratios
Security Savings 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 | 4.2909% | 2,641 |
| Cost of funding earning assets | 0.6059% | 1,715 |
| Net interest margin | 3.6851% | 3,061 |
| Noninterest income to average assets | 0.2747% | 5,154 |
| Noninterest expense to average assets | 2.3179% | 5,068 |
| Loan and lease loss provision to assets | 0.1024% | 2,444 |
| Net operating income to assets | 1.3130% | 1,280 |
| Return on assets (ROA) | 1.3138% | 1,320 |
| Pretax return on assets | 1.3786% | 1,962 |
| Return on Equity (ROE) | 12.1010% | 1,385 |
| Retained earnings to average equity (ytd only) | 5.3747% | 2,353 |
| Net charge-offs to loans | 0.0994% | 3,090 |
| Credit loss provision to net charge-offs | 142.8571% | 1,664 |
| Earnings coverage of net charge-offs (x) | 20.6548% | 1,717 |
| Efficiency ratio | 61.0288% | 5,062 |
| Assets per employee ($millions) | 5.5712% | 1,712 |
| Cash dividends to net income (ytd only)* | 55.5844% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6610% | 1,888 |
| Loan loss allowance to noncurrent loans | 2,823.9130% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0393% | 5,883 |
| Noncurrent loans to loans | 0.0588% | 5,645 |
| Net loans and leases to total assets | 65.7336% | 2,936 |
| Net loans and leases to deposits | 80.9305% | 2,610 |
| Net loans and leases to core deposits | 84.7317% | 2,814 |
| Total domestic deposits to total assets | 81.2223% | 4,674 |
| Equity capital to assets | 11.1697% | 2,729 |
| Core capital (leverage) ratio | 10.2424% | 3,257 |
| Tier 1 risk-based capital ratio | 13.9617% | 4,118 |
| Total risk-based capital ratio | 15.2146% | 4,046 |
| Memoranda: | ||
| Average total assets | $117,219,600 | 4,236 |
| Average earning assets | $112,073,600 | 4,132 |
| Average equity | $12,726,200 | 4,239 |
| Average total loans | $84,541,000 | 3,756 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,647 |
| Cost of funding earning assets | 0.6258% | 1,635 |
| Net interest margin | 3.6717% | 3,140 |
| Noninterest income to average assets | 0.2683% | 5,284 |
| Noninterest expense to average assets | 2.2761% | 5,164 |
| Loan and lease loss provision to assets | 0.1023% | 2,327 |
| Net operating income to assets | 1.3518% | 1,245 |
| Return on assets (ROA) | 1.3529% | 1,298 |
| Pretax return on assets | 1.4200% | 1,932 |
| Return on Equity (ROE) | 12.5517% | 1,334 |
| Retained earnings to average equity (ytd only) | 5.6957% | 2,609 |
| Net charge-offs to loans | -0.0015% | 5,175 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9401% | 5,189 |
| Assets per employee ($millions) | 5.3843% | 1,829 |
| Cash dividends to net income (ytd only)* | 54.6221% | 1,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5741% | 2,401 |
| Loan loss allowance to noncurrent loans | 1,033.5878% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.1159% | 5,701 |
| Noncurrent loans to loans | 0.1523% | 5,452 |
| Net loans and leases to total assets | 74.8786% | 1,383 |
| Net loans and leases to deposits | 94.1801% | 1,021 |
| Net loans and leases to core deposits | 99.1266% | 1,439 |
| Total domestic deposits to total assets | 79.5058% | 5,219 |
| Equity capital to assets | 11.4273% | 2,551 |
| Core capital (leverage) ratio | 10.1734% | 3,440 |
| Tier 1 risk-based capital ratio | 12.8792% | 4,930 |
| Total risk-based capital ratio | 14.1323% | 4,847 |
| Memoranda: | ||
| Average total assets | $117,275,750 | 4,276 |
| Average earning assets | $112,714,250 | 4,152 |
| Average equity | $12,640,750 | 4,283 |
| Average total loans | $86,125,250 | 3,752 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2150% | 2,897 |
| Cost of funding earning assets | 0.6452% | 1,547 |
| Net interest margin | 3.5698% | 3,484 |
| Noninterest income to average assets | 0.2612% | 5,328 |
| Noninterest expense to average assets | 2.2380% | 5,317 |
| Loan and lease loss provision to assets | 0.1011% | 2,334 |
| Net operating income to assets | 1.2893% | 1,342 |
| Return on assets (ROA) | 1.2909% | 1,392 |
| Pretax return on assets | 1.3549% | 2,064 |
| Return on Equity (ROE) | 12.2098% | 1,365 |
| Retained earnings to average equity (ytd only) | 5.2123% | 2,823 |
| Net charge-offs to loans | -0.0023% | 5,072 |
| Credit loss provision to net charge-offs | -6,000.0000% | 5,922 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6116% | 5,210 |
| Assets per employee ($millions) | 5.5899% | 1,614 |
| Cash dividends to net income (ytd only)* | 57.3107% | 1,632 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 2,831 |
| Loan loss allowance to noncurrent loans | 848.0769% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1329% | 5,757 |
| Noncurrent loans to loans | 0.1787% | 5,475 |
| Net loans and leases to total assets | 73.2528% | 1,539 |
| Net loans and leases to deposits | 89.8593% | 1,386 |
| Net loans and leases to core deposits | 97.1375% | 1,514 |
| Total domestic deposits to total assets | 81.5194% | 4,809 |
| Equity capital to assets | 10.8427% | 3,035 |
| Core capital (leverage) ratio | 9.5649% | 4,230 |
| Tier 1 risk-based capital ratio | 12.4551% | 5,255 |
| Total risk-based capital ratio | 13.7075% | 5,179 |
| Memoranda: | ||
| Average total assets | $118,677,330 | 4,270 |
| Average earning assets | $114,068,000 | 4,148 |
| Average equity | $12,547,330 | 4,311 |
| Average total loans | $86,160,330 | 3,760 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2237% | 2,785 |
| Cost of funding earning assets | 0.6643% | 1,481 |
| Net interest margin | 3.5594% | 3,439 |
| Noninterest income to average assets | 0.2749% | 5,174 |
| Noninterest expense to average assets | 2.1790% | 5,513 |
| Loan and lease loss provision to assets | 0.1006% | 2,247 |
| Net operating income to assets | 1.3411% | 1,120 |
| Return on assets (ROA) | 1.3443% | 1,158 |
| Pretax return on assets | 1.4113% | 1,708 |
| Return on Equity (ROE) | 12.8763% | 1,188 |
| Retained earnings to average equity (ytd only) | 12.0735% | 597 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0909% | 5,527 |
| Assets per employee ($millions) | 5.9729% | 1,322 |
| Cash dividends to net income (ytd only)* | 6.2344% | 2,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5746% | 2,811 |
| Loan loss allowance to noncurrent loans | 1,521.1765% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0712% | 6,049 |
| Noncurrent loans to loans | 0.1035% | 5,815 |
| Net loans and leases to total assets | 67.6603% | 2,273 |
| Net loans and leases to deposits | 82.5587% | 2,000 |
| Net loans and leases to core deposits | 88.4609% | 2,046 |
| Total domestic deposits to total assets | 81.9542% | 4,957 |
| Equity capital to assets | 10.6147% | 3,120 |
| Core capital (leverage) ratio | 9.6405% | 4,080 |
| Tier 1 risk-based capital ratio | 13.0241% | 4,993 |
| Total risk-based capital ratio | 14.2766% | 4,920 |
| Memoranda: | ||
| Average total assets | $119,322,000 | 4,293 |
| Average earning assets | $114,402,000 | 4,172 |
| Average equity | $12,457,000 | 4,354 |
| Average total loans | $85,584,000 | 3,808 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1687% | 3,462 |
| Cost of funding earning assets | 0.7817% | 1,311 |
| Net interest margin | 3.3870% | 4,328 |
| Noninterest income to average assets | 0.2717% | 5,409 |
| Noninterest expense to average assets | 2.0528% | 5,916 |
| Loan and lease loss provision to assets | 0.0956% | 3,209 |
| Net operating income to assets | 1.3125% | 1,219 |
| Return on assets (ROA) | 1.3125% | 1,259 |
| Pretax return on assets | 1.3794% | 1,866 |
| Return on Equity (ROE) | 13.4874% | 1,069 |
| Retained earnings to average equity (ytd only) | 5.8306% | 2,075 |
| Net charge-offs to loans | -0.0072% | 5,981 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1884% | 5,715 |
| Assets per employee ($millions) | 5.9594% | 1,297 |
| Cash dividends to net income (ytd only)* | 56.7699% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4183% | 3,556 |
| Loan loss allowance to noncurrent loans | 1,619.2308% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.0654% | 6,161 |
| Noncurrent loans to loans | 0.0876% | 5,954 |
| Net loans and leases to total assets | 73.6548% | 1,409 |
| Net loans and leases to deposits | 89.5585% | 1,276 |
| Net loans and leases to core deposits | 96.1238% | 1,452 |
| Total domestic deposits to total assets | 82.2422% | 4,790 |
| Equity capital to assets | 10.2645% | 3,431 |
| Core capital (leverage) ratio | 9.0994% | 4,857 |
| Tier 1 risk-based capital ratio | 11.8681% | 5,696 |
| Total risk-based capital ratio | 13.1195% | 5,634 |
| Memoranda: | ||
| Average total assets | $125,489,200 | 4,153 |
| Average earning assets | $120,638,000 | 4,033 |
| Average equity | $12,211,400 | 4,407 |
| Average total loans | $83,057,000 | 3,848 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1802% | 3,456 |
| Cost of funding earning assets | 0.7970% | 1,344 |
| Net interest margin | 3.3832% | 4,346 |
| Noninterest income to average assets | 0.2865% | 5,399 |
| Noninterest expense to average assets | 2.0241% | 5,967 |
| Loan and lease loss provision to assets | 0.0944% | 3,189 |
| Net operating income to assets | 1.3515% | 1,224 |
| Return on assets (ROA) | 1.3515% | 1,270 |
| Pretax return on assets | 1.4197% | 1,870 |
| Return on Equity (ROE) | 14.0695% | 979 |
| Retained earnings to average equity (ytd only) | 6.1609% | 2,308 |
| Net charge-offs to loans | -0.0098% | 5,887 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,241 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2064% | 5,775 |
| Assets per employee ($millions) | 6.1119% | 1,163 |
| Cash dividends to net income (ytd only)* | 56.2112% | 1,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4450% | 3,706 |
| Loan loss allowance to noncurrent loans | 955.8140% | 490 |
| Noncurrent assets plus other real estate owned to assets | 0.1055% | 6,121 |
| Noncurrent loans to loans | 0.1512% | 5,865 |
| Net loans and leases to total assets | 68.7986% | 2,178 |
| Net loans and leases to deposits | 83.1896% | 1,978 |
| Net loans and leases to core deposits | 89.3263% | 2,040 |
| Total domestic deposits to total assets | 82.7010% | 4,685 |
| Equity capital to assets | 9.8971% | 4,055 |
| Core capital (leverage) ratio | 7.9683% | 6,241 |
| Tier 1 risk-based capital ratio | 11.9786% | 5,791 |
| Total risk-based capital ratio | 13.2293% | 5,732 |
| Memoranda: | ||
| Average total assets | $127,064,750 | 4,177 |
| Average earning assets | $122,129,250 | 4,048 |
| Average equity | $12,205,750 | 4,457 |
| Average total loans | $81,558,750 | 3,927 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1514% | 3,536 |
| Cost of funding earning assets | 0.8134% | 1,344 |
| Net interest margin | 3.3380% | 4,425 |
| Noninterest income to average assets | 0.2658% | 5,552 |
| Noninterest expense to average assets | 2.0113% | 6,025 |
| Loan and lease loss provision to assets | 0.0933% | 3,229 |
| Net operating income to assets | 1.2916% | 1,343 |
| Return on assets (ROA) | 1.2916% | 1,439 |
| Pretax return on assets | 1.3569% | 2,095 |
| Return on Equity (ROE) | 13.5766% | 1,111 |
| Retained earnings to average equity (ytd only) | 6.0286% | 2,421 |
| Net charge-offs to loans | -0.0149% | 5,877 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1051% | 5,719 |
| Assets per employee ($millions) | 5.9646% | 1,224 |
| Cash dividends to net income (ytd only)* | 55.5957% | 1,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 3,780 |
| Loan loss allowance to noncurrent loans | 931.7829% | 493 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 6,185 |
| Noncurrent loans to loans | 0.1564% | 5,932 |
| Net loans and leases to total assets | 64.8962% | 2,775 |
| Net loans and leases to deposits | 77.9388% | 2,579 |
| Net loans and leases to core deposits | 83.5221% | 2,623 |
| Total domestic deposits to total assets | 83.2656% | 4,604 |
| Equity capital to assets | 9.5851% | 4,471 |
| Core capital (leverage) ratio | 8.4607% | 5,715 |
| Tier 1 risk-based capital ratio | 12.0799% | 5,749 |
| Total risk-based capital ratio | 13.3304% | 5,694 |
| Memoranda: | ||
| Average total assets | $128,673,670 | 4,167 |
| Average earning assets | $123,188,000 | 4,051 |
| Average equity | $12,241,670 | 4,479 |
| Average total loans | $80,301,330 | 3,977 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 3,790 |
| Cost of funding earning assets | 0.8354% | 1,338 |
| Net interest margin | 3.2486% | 4,737 |
| Noninterest income to average assets | 0.2884% | 5,394 |
| Noninterest expense to average assets | 2.0187% | 6,068 |
| Loan and lease loss provision to assets | 0.0920% | 3,124 |
| Net operating income to assets | 1.2180% | 1,484 |
| Return on assets (ROA) | 1.2180% | 1,588 |
| Pretax return on assets | 1.2793% | 2,299 |
| Return on Equity (ROE) | 12.8484% | 1,206 |
| Retained earnings to average equity (ytd only) | 12.8484% | 577 |
| Net charge-offs to loans | -0.0253% | 5,823 |
| Credit loss provision to net charge-offs | -600.0000% | 5,515 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5475% | 5,652 |
| Assets per employee ($millions) | 6.5703% | 958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4862% | 3,885 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 59.1213% | 3,581 |
| Net loans and leases to deposits | 70.6302% | 3,369 |
| Net loans and leases to core deposits | 77.3225% | 3,154 |
| Total domestic deposits to total assets | 83.7055% | 4,587 |
| Equity capital to assets | 9.5026% | 4,846 |
| Core capital (leverage) ratio | 8.3284% | 5,788 |
| Tier 1 risk-based capital ratio | 12.3582% | 5,672 |
| Total risk-based capital ratio | 13.6094% | 5,627 |
| Memoranda: | ||
| Average total assets | $130,382,000 | 4,174 |
| Average earning assets | $124,485,000 | 4,054 |
| Average equity | $12,359,500 | 4,503 |
| Average total loans | $79,207,500 | 4,028 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6054% | 2,977 |
| Cost of funding earning assets | 0.9404% | 1,704 |
| Net interest margin | 3.6650% | 3,804 |
| Noninterest income to average assets | 0.2870% | 5,418 |
| Noninterest expense to average assets | 2.0000% | 6,327 |
| Loan and lease loss provision to assets | 0.0957% | 4,465 |
| Net operating income to assets | 1.5616% | 811 |
| Return on assets (ROA) | 1.5616% | 889 |
| Pretax return on assets | 1.6397% | 1,283 |
| Return on Equity (ROE) | 16.8690% | 551 |
| Retained earnings to average equity (ytd only) | 10.8155% | 459 |
| Net charge-offs to loans | 0.2069% | 3,723 |
| Credit loss provision to net charge-offs | 73.1707% | 4,064 |
| Earnings coverage of net charge-offs (x) | 13.2744% | 1,845 |
| Efficiency ratio | 53.5425% | 6,312 |
| Assets per employee ($millions) | 6.4679% | 1,021 |
| Cash dividends to net income (ytd only)* | 35.8857% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 4,023 |
| Loan loss allowance to noncurrent loans | 2,912.8205% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.0301% | 6,583 |
| Noncurrent loans to loans | 0.0490% | 6,377 |
| Net loans and leases to total assets | 60.6209% | 3,488 |
| Net loans and leases to deposits | 72.4583% | 3,334 |
| Net loans and leases to core deposits | 78.3428% | 3,212 |
| Total domestic deposits to total assets | 83.6632% | 4,467 |
| Equity capital to assets | 9.4559% | 4,926 |
| Core capital (leverage) ratio | 8.0553% | 6,139 |
| Tier 1 risk-based capital ratio | 12.0757% | 5,743 |
| Total risk-based capital ratio | 13.3261% | 5,700 |
| Memoranda: | ||
| Average total assets | $125,450,400 | 4,238 |
| Average earning assets | $118,036,600 | 4,158 |
| Average equity | $11,613,000 | 4,648 |
| Average total loans | $79,264,800 | 4,061 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6393% | 3,060 |
| Cost of funding earning assets | 0.9563% | 1,818 |
| Net interest margin | 3.6830% | 3,866 |
| Noninterest income to average assets | 0.2774% | 5,557 |
| Noninterest expense to average assets | 1.9806% | 6,379 |
| Loan and lease loss provision to assets | 0.0964% | 4,368 |
| Net operating income to assets | 1.5864% | 872 |
| Return on assets (ROA) | 1.5864% | 972 |
| Pretax return on assets | 1.6656% | 1,375 |
| Return on Equity (ROE) | 17.2332% | 584 |
| Retained earnings to average equity (ytd only) | 12.5438% | 436 |
| Net charge-offs to loans | 0.2778% | 3,055 |
| Credit loss provision to net charge-offs | 54.5455% | 4,288 |
| Earnings coverage of net charge-offs (x) | 9.9699% | 2,247 |
| Efficiency ratio | 52.9193% | 6,362 |
| Assets per employee ($millions) | 6.4161% | 991 |
| Cash dividends to net income (ytd only)* | 27.2113% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4257% | 4,259 |
| Loan loss allowance to noncurrent loans | 356.7742% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2416% | 6,092 |
| Noncurrent loans to loans | 0.3996% | 5,657 |
| Net loans and leases to total assets | 59.5907% | 3,860 |
| Net loans and leases to deposits | 71.3161% | 3,702 |
| Net loans and leases to core deposits | 77.3983% | 3,548 |
| Total domestic deposits to total assets | 83.5585% | 4,408 |
| Equity capital to assets | 9.4107% | 5,315 |
| Core capital (leverage) ratio | 8.2476% | 6,088 |
| Tier 1 risk-based capital ratio | 12.5324% | 5,614 |
| Total risk-based capital ratio | 13.7832% | 5,579 |
| Memoranda: | ||
| Average total assets | $124,473,500 | 4,302 |
| Average earning assets | $117,111,750 | 4,220 |
| Average equity | $11,458,250 | 4,722 |
| Average total loans | $79,192,500 | 4,104 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 2,892 |
| Cost of funding earning assets | 0.9686% | 1,941 |
| Net interest margin | 3.7367% | 3,655 |
| Noninterest income to average assets | 0.2857% | 5,526 |
| Noninterest expense to average assets | 2.0440% | 6,344 |
| Loan and lease loss provision to assets | 0.0974% | 4,322 |
| Net operating income to assets | 1.5910% | 853 |
| Return on assets (ROA) | 1.5910% | 954 |
| Pretax return on assets | 1.6706% | 1,338 |
| Return on Equity (ROE) | 17.4186% | 585 |
| Retained earnings to average equity (ytd only) | 12.1753% | 555 |
| Net charge-offs to loans | 0.4164% | 2,370 |
| Credit loss provision to net charge-offs | 36.1446% | 4,339 |
| Earnings coverage of net charge-offs (x) | 6.5602% | 2,617 |
| Efficiency ratio | 53.6201% | 6,349 |
| Assets per employee ($millions) | 6.2871% | 1,074 |
| Cash dividends to net income (ytd only)* | 30.1020% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3547% | 4,644 |
| Loan loss allowance to noncurrent loans | 416.6667% | 874 |
| Noncurrent assets plus other real estate owned to assets | 0.2481% | 6,149 |
| Noncurrent loans to loans | 0.3251% | 5,903 |
| Net loans and leases to total assets | 62.2526% | 3,378 |
| Net loans and leases to deposits | 74.4014% | 3,226 |
| Net loans and leases to core deposits | 79.8297% | 3,243 |
| Total domestic deposits to total assets | 83.6712% | 4,458 |
| Equity capital to assets | 9.2484% | 5,401 |
| Core capital (leverage) ratio | 7.9694% | 6,305 |
| Tier 1 risk-based capital ratio | 11.6351% | 6,153 |
| Total risk-based capital ratio | 12.8879% | 6,131 |
| Memoranda: | ||
| Average total assets | $123,190,670 | 4,346 |
| Average earning assets | $116,253,330 | 4,267 |
| Average equity | $11,252,330 | 4,762 |
| Average total loans | $79,732,000 | 4,112 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7438% | 2,867 |
| Cost of funding earning assets | 0.9785% | 2,113 |
| Net interest margin | 3.7653% | 3,537 |
| Noninterest income to average assets | 0.2986% | 5,486 |
| Noninterest expense to average assets | 2.1097% | 6,252 |
| Loan and lease loss provision to assets | 0.0984% | 4,114 |
| Net operating income to assets | 1.5814% | 890 |
| Return on assets (ROA) | 1.5814% | 997 |
| Pretax return on assets | 1.6634% | 1,392 |
| Return on Equity (ROE) | 17.4259% | 613 |
| Retained earnings to average equity (ytd only) | 17.4259% | 288 |
| Net charge-offs to loans | 0.8008% | 1,283 |
| Credit loss provision to net charge-offs | 18.7500% | 3,794 |
| Earnings coverage of net charge-offs (x) | 3.3563% | 2,870 |
| Efficiency ratio | 54.4915% | 6,298 |
| Assets per employee ($millions) | 6.2215% | 1,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3574% | 4,775 |
| Loan loss allowance to noncurrent loans | 327.4143% | 1,015 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 6,241 |
| Noncurrent loans to loans | 0.4146% | 5,842 |
| Net loans and leases to total assets | 61.3812% | 3,380 |
| Net loans and leases to deposits | 73.2230% | 3,245 |
| Net loans and leases to core deposits | 78.6522% | 3,238 |
| Total domestic deposits to total assets | 83.8277% | 4,574 |
| Equity capital to assets | 9.0839% | 5,382 |
| Core capital (leverage) ratio | 8.1669% | 6,073 |
| Tier 1 risk-based capital ratio | 11.6584% | 6,185 |
| Total risk-based capital ratio | 12.9136% | 6,159 |
| Memoranda: | ||
| Average total assets | $121,915,500 | 4,411 |
| Average earning assets | $115,688,000 | 4,299 |
| Average equity | $11,064,000 | 4,813 |
| Average total loans | $79,922,000 | 4,124 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0473% | 2,668 |
| Cost of funding earning assets | 1.2880% | 1,538 |
| Net interest margin | 3.7593% | 4,033 |
| Noninterest income to average assets | 0.3432% | 5,070 |
| Noninterest expense to average assets | 2.2231% | 6,222 |
| Loan and lease loss provision to assets | 0.1035% | 5,292 |
| Net operating income to assets | 1.5039% | 816 |
| Return on assets (ROA) | 1.5039% | 885 |
| Pretax return on assets | 1.5781% | 1,257 |
| Return on Equity (ROE) | 18.1693% | 367 |
| Retained earnings to average equity (ytd only) | 15.0126% | 131 |
| Net charge-offs to loans | -0.0039% | 6,828 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,933 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9346% | 6,194 |
| Assets per employee ($millions) | 5.1914% | 1,954 |
| Cash dividends to net income (ytd only)* | 17.3739% | 3,637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4317% | 4,326 |
| Loan loss allowance to noncurrent loans | 375.7962% | 888 |
| Noncurrent assets plus other real estate owned to assets | 0.2630% | 6,311 |
| Noncurrent loans to loans | 0.3810% | 5,953 |
| Net loans and leases to total assets | 68.0365% | 2,385 |
| Net loans and leases to deposits | 85.2604% | 1,770 |
| Net loans and leases to core deposits | 92.4640% | 1,842 |
| Total domestic deposits to total assets | 79.7985% | 5,797 |
| Equity capital to assets | 9.0660% | 5,473 |
| Core capital (leverage) ratio | 7.6730% | 6,554 |
| Tier 1 risk-based capital ratio | 10.6415% | 6,629 |
| Total risk-based capital ratio | 11.8929% | 6,605 |
| Memoranda: | ||
| Average total assets | $115,964,800 | 4,499 |
| Average earning assets | $109,861,800 | 4,397 |
| Average equity | $9,598,600 | 5,123 |
| Average total loans | $77,007,600 | 4,240 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0519% | 2,831 |
| Cost of funding earning assets | 1.3178% | 1,601 |
| Net interest margin | 3.7341% | 4,188 |
| Noninterest income to average assets | 0.3429% | 5,120 |
| Noninterest expense to average assets | 2.2611% | 6,142 |
| Loan and lease loss provision to assets | 0.1043% | 5,143 |
| Net operating income to assets | 1.4386% | 1,080 |
| Return on assets (ROA) | 1.4386% | 1,151 |
| Pretax return on assets | 1.5093% | 1,627 |
| Return on Equity (ROE) | 17.8214% | 471 |
| Retained earnings to average equity (ytd only) | 14.4063% | 274 |
| Net charge-offs to loans | -0.0035% | 6,692 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,884 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3558% | 5,963 |
| Assets per employee ($millions) | 5.0372% | 2,143 |
| Cash dividends to net income (ytd only)* | 19.1629% | 2,966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4487% | 4,338 |
| Loan loss allowance to noncurrent loans | 413.6691% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.2400% | 6,456 |
| Noncurrent loans to loans | 0.3502% | 6,149 |
| Net loans and leases to total assets | 67.5243% | 2,568 |
| Net loans and leases to deposits | 85.2765% | 1,789 |
| Net loans and leases to core deposits | 93.1621% | 1,863 |
| Total domestic deposits to total assets | 79.1828% | 5,952 |
| Equity capital to assets | 8.8903% | 5,871 |
| Core capital (leverage) ratio | 7.6174% | 6,688 |
| Tier 1 risk-based capital ratio | 10.5435% | 6,763 |
| Total risk-based capital ratio | 11.7952% | 6,744 |
| Memoranda: | ||
| Average total assets | $115,105,500 | 4,551 |
| Average earning assets | $108,868,000 | 4,458 |
| Average equity | $9,292,000 | 5,235 |
| Average total loans | $75,655,250 | 4,328 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0281% | 3,023 |
| Cost of funding earning assets | 1.3381% | 1,710 |
| Net interest margin | 3.6900% | 4,309 |
| Noninterest income to average assets | 0.3483% | 5,098 |
| Noninterest expense to average assets | 2.3351% | 6,034 |
| Loan and lease loss provision to assets | 0.1045% | 5,005 |
| Net operating income to assets | 1.3286% | 1,250 |
| Return on assets (ROA) | 1.3286% | 1,328 |
| Pretax return on assets | 1.3948% | 1,806 |
| Return on Equity (ROE) | 17.0389% | 550 |
| Retained earnings to average equity (ytd only) | 14.3591% | 287 |
| Net charge-offs to loans | -0.0054% | 6,593 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,723 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8992% | 5,746 |
| Assets per employee ($millions) | 5.0716% | 2,023 |
| Cash dividends to net income (ytd only)* | 15.7274% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4753% | 4,238 |
| Loan loss allowance to noncurrent loans | 417.9104% | 779 |
| Noncurrent assets plus other real estate owned to assets | 0.2298% | 6,551 |
| Noncurrent loans to loans | 0.3530% | 6,216 |
| Net loans and leases to total assets | 64.1242% | 3,435 |
| Net loans and leases to deposits | 79.3514% | 2,915 |
| Net loans and leases to core deposits | 86.2714% | 2,868 |
| Total domestic deposits to total assets | 80.8105% | 5,594 |
| Equity capital to assets | 8.1777% | 6,534 |
| Core capital (leverage) ratio | 7.1647% | 6,936 |
| Tier 1 risk-based capital ratio | 10.2839% | 6,880 |
| Total risk-based capital ratio | 11.5352% | 6,870 |
| Memoranda: | ||
| Average total assets | $114,855,330 | 4,590 |
| Average earning assets | $108,510,000 | 4,490 |
| Average equity | $8,956,000 | 5,339 |
| Average total loans | $74,413,330 | 4,415 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0085% | 3,071 |
| Cost of funding earning assets | 1.3361% | 1,973 |
| Net interest margin | 3.6724% | 4,237 |
| Noninterest income to average assets | 0.3896% | 4,790 |
| Noninterest expense to average assets | 2.4254% | 5,812 |
| Loan and lease loss provision to assets | 0.1053% | 4,699 |
| Net operating income to assets | 1.2812% | 1,320 |
| Return on assets (ROA) | 1.2812% | 1,366 |
| Pretax return on assets | 1.3514% | 1,879 |
| Return on Equity (ROE) | 16.8504% | 589 |
| Retained earnings to average equity (ytd only) | 16.8504% | 291 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4774% | 5,600 |
| Assets per employee ($millions) | 5.5295% | 1,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4418% | 4,474 |
| Loan loss allowance to noncurrent loans | 4,730.4348% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 7,135 |
| Noncurrent loans to loans | 0.0305% | 6,984 |
| Net loans and leases to total assets | 64.0498% | 3,430 |
| Net loans and leases to deposits | 78.8462% | 2,921 |
| Net loans and leases to core deposits | 84.4660% | 3,106 |
| Total domestic deposits to total assets | 81.2339% | 5,596 |
| Equity capital to assets | 7.7403% | 6,718 |
| Core capital (leverage) ratio | 7.1568% | 6,937 |
| Tier 1 risk-based capital ratio | 9.9811% | 7,011 |
| Total risk-based capital ratio | 11.2319% | 7,009 |
| Memoranda: | ||
| Average total assets | $113,959,500 | 4,648 |
| Average earning assets | $108,375,000 | 4,518 |
| Average equity | $8,664,500 | 5,416 |
| Average total loans | $73,660,500 | 4,479 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5013% | 2,274 |
| Cost of funding earning assets | 1.5852% | 2,160 |
| Net interest margin | 3.9161% | 3,414 |
| Noninterest income to average assets | 0.3733% | 5,107 |
| Noninterest expense to average assets | 2.4331% | 6,005 |
| Loan and lease loss provision to assets | 0.1098% | 6,055 |
| Net operating income to assets | 1.4677% | 825 |
| Return on assets (ROA) | 1.4677% | 883 |
| Pretax return on assets | 1.5446% | 1,264 |
| Return on Equity (ROE) | 18.2153% | 362 |
| Retained earnings to average equity (ytd only) | 0.3748% | 5,392 |
| Net charge-offs to loans | -0.0028% | 7,242 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,211 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5254% | 6,118 |
| Assets per employee ($millions) | 5.0818% | 2,037 |
| Cash dividends to net income (ytd only)* | 97.9426% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 4,169 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 63.3283% | 4,004 |
| Net loans and leases to deposits | 78.1382% | 3,491 |
| Net loans and leases to core deposits | 83.3561% | 3,695 |
| Total domestic deposits to total assets | 81.0465% | 5,508 |
| Equity capital to assets | 7.4606% | 6,902 |
| Core capital (leverage) ratio | 6.8960% | 7,070 |
| Tier 1 risk-based capital ratio | 9.9800% | 6,989 |
| Total risk-based capital ratio | 11.2316% | 6,974 |
| Memoranda: | ||
| Average total assets | $109,286,400 | 4,734 |
| Average earning assets | $103,647,800 | 4,616 |
| Average equity | $8,805,800 | 5,473 |
| Average total loans | $71,640,200 | 4,618 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 2,283 |
| Cost of funding earning assets | 1.6453% | 2,132 |
| Net interest margin | 3.8970% | 3,542 |
| Noninterest income to average assets | 0.3509% | 5,365 |
| Noninterest expense to average assets | 2.4087% | 6,007 |
| Loan and lease loss provision to assets | 0.1104% | 5,928 |
| Net operating income to assets | 1.4467% | 1,025 |
| Return on assets (ROA) | 1.4467% | 1,098 |
| Pretax return on assets | 1.5228% | 1,552 |
| Return on Equity (ROE) | 17.6189% | 516 |
| Retained earnings to average equity (ytd only) | 4.8718% | 3,071 |
| Net charge-offs to loans | -0.0019% | 7,175 |
| Credit loss provision to net charge-offs | -9,000.0000% | 7,206 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5932% | 6,014 |
| Assets per employee ($millions) | 4.9921% | 2,190 |
| Cash dividends to net income (ytd only)* | 72.3492% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4016% | 4,445 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 65.7816% | 3,737 |
| Net loans and leases to deposits | 82.5810% | 2,988 |
| Net loans and leases to core deposits | 86.8195% | 3,541 |
| Total domestic deposits to total assets | 79.6571% | 5,822 |
| Equity capital to assets | 8.5434% | 6,226 |
| Core capital (leverage) ratio | 7.4062% | 6,933 |
| Tier 1 risk-based capital ratio | 10.2926% | 6,898 |
| Total risk-based capital ratio | 11.5434% | 6,887 |
| Memoranda: | ||
| Average total assets | $108,658,000 | 4,817 |
| Average earning assets | $102,915,500 | 4,696 |
| Average equity | $8,922,000 | 5,515 |
| Average total loans | $71,585,500 | 4,693 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 2,463 |
| Cost of funding earning assets | 1.6814% | 2,217 |
| Net interest margin | 3.8326% | 3,749 |
| Noninterest income to average assets | 0.3510% | 5,343 |
| Noninterest expense to average assets | 2.4181% | 6,017 |
| Loan and lease loss provision to assets | 0.1108% | 5,795 |
| Net operating income to assets | 1.3688% | 1,151 |
| Return on assets (ROA) | 1.3688% | 1,220 |
| Pretax return on assets | 1.4390% | 1,730 |
| Return on Equity (ROE) | 16.9017% | 581 |
| Retained earnings to average equity (ytd only) | 8.8500% | 1,153 |
| Net charge-offs to loans | -0.0028% | 7,083 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9404% | 5,869 |
| Assets per employee ($millions) | 4.9707% | 2,218 |
| Cash dividends to net income (ytd only)* | 47.6383% | 1,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 4,501 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 64.9375% | 4,053 |
| Net loans and leases to deposits | 83.0183% | 3,074 |
| Net loans and leases to core deposits | 87.2010% | 3,662 |
| Total domestic deposits to total assets | 78.2207% | 6,216 |
| Equity capital to assets | 8.2382% | 6,495 |
| Core capital (leverage) ratio | 7.3994% | 6,919 |
| Tier 1 risk-based capital ratio | 10.3494% | 6,795 |
| Total risk-based capital ratio | 11.6000% | 6,781 |
| Memoranda: | ||
| Average total assets | $108,268,330 | 4,856 |
| Average earning assets | $102,177,330 | 4,743 |
| Average equity | $8,768,330 | 5,568 |
| Average total loans | $71,023,000 | 4,755 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4732% | 2,714 |
| Cost of funding earning assets | 1.6980% | 2,400 |
| Net interest margin | 3.7752% | 3,893 |
| Noninterest income to average assets | 0.2859% | 5,854 |
| Noninterest expense to average assets | 2.3913% | 6,123 |
| Loan and lease loss provision to assets | 0.1114% | 5,503 |
| Net operating income to assets | 1.2662% | 1,372 |
| Return on assets (ROA) | 1.2662% | 1,444 |
| Pretax return on assets | 1.3330% | 1,956 |
| Return on Equity (ROE) | 15.7724% | 755 |
| Retained earnings to average equity (ytd only) | 15.7724% | 356 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3427% | 5,765 |
| Assets per employee ($millions) | 4.8999% | 2,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3508% | 4,674 |
| 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 | 65.4428% | 4,008 |
| Net loans and leases to deposits | 83.8257% | 2,967 |
| Net loans and leases to core deposits | 87.6054% | 3,664 |
| Total domestic deposits to total assets | 78.0701% | 6,301 |
| Equity capital to assets | 8.2720% | 6,340 |
| Core capital (leverage) ratio | 7.5637% | 6,779 |
| Tier 1 risk-based capital ratio | 10.6999% | 6,440 |
| Total risk-based capital ratio | 11.9503% | 6,430 |
| Memoranda: | ||
| Average total assets | $107,724,500 | 4,936 |
| Average earning assets | $101,293,500 | 4,842 |
| Average equity | $8,648,000 | 5,645 |
| Average total loans | $70,529,500 | 4,832 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7592% | 2,824 |
| Cost of funding earning assets | 2.1224% | 2,356 |
| Net interest margin | 3.6367% | 4,401 |
| Noninterest income to average assets | 0.3176% | 5,813 |
| Noninterest expense to average assets | 2.4046% | 6,452 |
| Loan and lease loss provision to assets | 0.1145% | 6,501 |
| Net operating income to assets | 1.1475% | 1,393 |
| Return on assets (ROA) | 1.1484% | 1,414 |
| Pretax return on assets | 1.2104% | 1,924 |
| Return on Equity (ROE) | 14.9580% | 677 |
| Retained earnings to average equity (ytd only) | -0.0994% | 4,957 |
| Net charge-offs to loans | -0.0014% | 7,688 |
| Credit loss provision to net charge-offs | -12,000.0000% | 7,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4922% | 5,678 |
| Assets per employee ($millions) | 4.6805% | 2,645 |
| Cash dividends to net income (ytd only)* | 100.6645% | 607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3459% | 4,506 |
| 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 | 63.7347% | 4,647 |
| Net loans and leases to deposits | 81.2474% | 3,749 |
| Net loans and leases to core deposits | 102.4519% | 3,753 |
| Total domestic deposits to total assets | 78.4452% | 6,133 |
| Equity capital to assets | 7.7835% | 6,784 |
| Core capital (leverage) ratio | 7.1241% | 7,138 |
| Tier 1 risk-based capital ratio | 10.5094% | 6,389 |
| Total risk-based capital ratio | 11.7590% | 6,364 |
| Memoranda: | ||
| Average total assets | $104,839,800 | 4,966 |
| Average earning assets | $98,330,000 | 4,884 |
| Average equity | $8,049,200 | 5,905 |
| Average total loans | $69,602,600 | 4,875 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8212% | 2,792 |
| Cost of funding earning assets | 2.1770% | 2,519 |
| Net interest margin | 3.6442% | 4,304 |
| Noninterest income to average assets | 0.3124% | 5,984 |
| Noninterest expense to average assets | 2.4288% | 6,316 |
| Loan and lease loss provision to assets | 0.1152% | 6,213 |
| Net operating income to assets | 1.1255% | 1,652 |
| Return on assets (ROA) | 1.1267% | 1,720 |
| Pretax return on assets | 1.1881% | 2,305 |
| Return on Equity (ROE) | 14.7275% | 807 |
| Retained earnings to average equity (ytd only) | 2.4100% | 3,971 |
| Net charge-offs to loans | -0.0019% | 7,592 |
| Credit loss provision to net charge-offs | -9,000.0000% | 7,435 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0995% | 5,531 |
| Assets per employee ($millions) | 4.4442% | 2,950 |
| Cash dividends to net income (ytd only)* | 83.6368% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2967% | 4,527 |
| 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 | 67.4660% | 4,074 |
| Net loans and leases to deposits | 87.6174% | 3,039 |
| Net loans and leases to core deposits | 112.7827% | 2,951 |
| Total domestic deposits to total assets | 77.0007% | 6,335 |
| Equity capital to assets | 8.4204% | 6,361 |
| Core capital (leverage) ratio | 7.6972% | 6,737 |
| Tier 1 risk-based capital ratio | 10.8311% | 6,124 |
| Total risk-based capital ratio | 12.0667% | 6,099 |
| Memoranda: | ||
| Average total assets | $104,137,000 | 5,012 |
| Average earning assets | $97,686,500 | 4,933 |
| Average equity | $7,966,750 | 5,991 |
| Average total loans | $69,616,500 | 4,929 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8515% | 2,797 |
| Cost of funding earning assets | 2.1979% | 2,802 |
| Net interest margin | 3.6536% | 4,148 |
| Noninterest income to average assets | 0.3054% | 6,075 |
| Noninterest expense to average assets | 2.4299% | 6,372 |
| Loan and lease loss provision to assets | 0.1145% | 6,001 |
| Net operating income to assets | 1.1091% | 1,743 |
| Return on assets (ROA) | 1.1109% | 1,813 |
| Pretax return on assets | 1.1739% | 2,375 |
| Return on Equity (ROE) | 15.0129% | 826 |
| Retained earnings to average equity (ytd only) | 3.0439% | 3,625 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3826% | 5,645 |
| Assets per employee ($millions) | 4.7984% | 2,324 |
| Cash dividends to net income (ytd only)* | 79.7251% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 4,510 |
| 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 | 64.7342% | 4,828 |
| Net loans and leases to deposits | 82.5224% | 4,130 |
| Net loans and leases to core deposits | 101.6935% | 4,312 |
| Total domestic deposits to total assets | 78.4444% | 5,965 |
| Equity capital to assets | 7.4656% | 7,297 |
| Core capital (leverage) ratio | 7.4858% | 7,039 |
| Tier 1 risk-based capital ratio | 10.0542% | 6,867 |
| Total risk-based capital ratio | 11.1657% | 6,952 |
| Memoranda: | ||
| Average total assets | $104,777,330 | 5,023 |
| Average earning assets | $97,820,330 | 4,957 |
| Average equity | $7,753,330 | 6,108 |
| Average total loans | $69,533,000 | 4,977 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9980% | 2,374 |
| Cost of funding earning assets | 2.1852% | 3,239 |
| Net interest margin | 3.8128% | 3,397 |
| Noninterest income to average assets | 0.3104% | 5,959 |
| Noninterest expense to average assets | 2.2992% | 6,548 |
| Loan and lease loss provision to assets | 0.1150% | 5,494 |
| Net operating income to assets | 1.3757% | 1,191 |
| Return on assets (ROA) | 1.3757% | 1,282 |
| Pretax return on assets | 1.4600% | 1,783 |
| Return on Equity (ROE) | 18.6748% | 532 |
| Retained earnings to average equity (ytd only) | 18.6748% | 208 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3472% | 6,503 |
| Assets per employee ($millions) | 4.8651% | 2,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2284% | 4,600 |
| 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 | 66.5019% | 4,464 |
| Net loans and leases to deposits | 85.6752% | 3,689 |
| Net loans and leases to core deposits | 105.5294% | 3,969 |
| Total domestic deposits to total assets | 77.6210% | 6,124 |
| Equity capital to assets | 7.9380% | 6,904 |
| Core capital (leverage) ratio | 8.0481% | 6,385 |
| Tier 1 risk-based capital ratio | 11.0206% | 5,897 |
| Total risk-based capital ratio | 12.1622% | 5,894 |
| Memoranda: | ||
| Average total assets | $104,384,000 | 5,057 |
| Average earning assets | $97,566,000 | 4,985 |
| Average equity | $7,689,500 | 6,159 |
| Average total loans | $69,694,000 | 4,995 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3802% | 3,525 |
| Cost of funding earning assets | 2.5156% | 4,114 |
| Net interest margin | 3.8646% | 3,726 |
| Noninterest income to average assets | 0.4676% | 4,900 |
| Noninterest expense to average assets | 2.2067% | 6,944 |
| Loan and lease loss provision to assets | 0.0874% | 6,290 |
| Net operating income to assets | 1.6414% | 768 |
| Return on assets (ROA) | 1.6414% | 730 |
| Pretax return on assets | 1.7863% | 973 |
| Return on Equity (ROE) | 20.7392% | 323 |
| Retained earnings to average equity (ytd only) | 3.8310% | 2,746 |
| Net charge-offs to loans | 0.0504% | 6,069 |
| Credit loss provision to net charge-offs | 265.6250% | 1,746 |
| Earnings coverage of net charge-offs (x) | 56.9688% | 696 |
| Efficiency ratio | 54.0806% | 7,256 |
| Assets per employee ($millions) | 5.0762% | 1,873 |
| Cash dividends to net income (ytd only)* | 81.5279% | 1,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1544% | 4,885 |
| 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 | 65.4637% | 4,957 |
| Net loans and leases to deposits | 86.2587% | 4,078 |
| Net loans and leases to core deposits | 102.1413% | 4,590 |
| Total domestic deposits to total assets | 75.8923% | 6,271 |
| Equity capital to assets | 6.8189% | 7,819 |
| Core capital (leverage) ratio | 7.4980% | 7,206 |
| Tier 1 risk-based capital ratio | 10.2196% | 6,499 |
| Total risk-based capital ratio | 11.2877% | 6,571 |
| Memoranda: | ||
| Average total assets | $97,295,400 | 5,131 |
| Average earning assets | $90,953,400 | 5,053 |
| Average equity | $7,700,400 | 6,212 |
| Average total loans | $63,522,000 | 5,120 |