Home > Security State Bank > Performance and Condition Ratios
Security State Bank, 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 | 4.6694% | 1,157 |
| Cost of funding earning assets | 0.5116% | 2,108 |
| Net interest margin | 4.1578% | 1,260 |
| Noninterest income to average assets | 0.6396% | 2,529 |
| Noninterest expense to average assets | 3.3249% | 1,638 |
| Loan and lease loss provision to assets | 0.3225% | 432 |
| Net operating income to assets | 0.4295% | 5,051 |
| Return on assets (ROA) | 0.7903% | 3,562 |
| Pretax return on assets | 1.0132% | 3,566 |
| Return on Equity (ROE) | 7.9738% | 3,083 |
| Retained earnings to average equity (ytd only) | 6.8093% | 1,784 |
| Net charge-offs to loans | 0.6218% | 358 |
| Credit loss provision to net charge-offs | 92.4242% | 2,436 |
| Earnings coverage of net charge-offs (x) | 2.5025% | 3,662 |
| Efficiency ratio | 79.2025% | 1,773 |
| Assets per employee ($millions) | 3.9315% | 4,019 |
| Cash dividends to net income (ytd only)* | 14.6040% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4841% | 2,220 |
| Loan loss allowance to noncurrent loans | 147.7663% | 2,845 |
| Noncurrent assets plus other real estate owned to assets | 1.1556% | 2,057 |
| Noncurrent loans to loans | 1.0044% | 2,471 |
| Net loans and leases to total assets | 58.8671% | 4,031 |
| Net loans and leases to deposits | 66.2697% | 4,363 |
| Net loans and leases to core deposits | 69.5836% | 4,410 |
| Total domestic deposits to total assets | 88.8296% | 1,114 |
| Equity capital to assets | 10.4898% | 3,614 |
| Core capital (leverage) ratio | 9.2097% | 4,714 |
| Tier 1 risk-based capital ratio | 13.6572% | 4,047 |
| Total risk-based capital ratio | 14.9070% | 3,974 |
| Memoranda: | ||
| Average total assets | $151,338,000 | 3,580 |
| Average earning assets | $129,521,000 | 3,744 |
| Average equity | $14,998,750 | 3,873 |
| Average total loans | $84,907,750 | 3,733 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6311% | 1,211 |
| Cost of funding earning assets | 0.5098% | 2,164 |
| Net interest margin | 4.1213% | 1,298 |
| Noninterest income to average assets | 0.5923% | 2,784 |
| Noninterest expense to average assets | 3.3882% | 1,492 |
| Loan and lease loss provision to assets | 0.0861% | 2,388 |
| Net operating income to assets | 0.4981% | 4,774 |
| Return on assets (ROA) | 0.7724% | 3,628 |
| Pretax return on assets | 1.0072% | 3,559 |
| Return on Equity (ROE) | 7.9399% | 3,093 |
| Retained earnings to average equity (ytd only) | 7.9399% | 1,292 |
| Net charge-offs to loans | -0.0047% | 4,721 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,543 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1316% | 1,472 |
| Assets per employee ($millions) | 4.1976% | 3,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 1,915 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5202% | 3,878 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 55.0550% | 4,450 |
| Net loans and leases to deposits | 61.4195% | 4,740 |
| Net loans and leases to core deposits | 65.3428% | 4,708 |
| Total domestic deposits to total assets | 89.6376% | 821 |
| Equity capital to assets | 9.6992% | 4,398 |
| Core capital (leverage) ratio | 8.8304% | 5,187 |
| Tier 1 risk-based capital ratio | 12.6212% | 4,729 |
| Total risk-based capital ratio | 13.8712% | 4,656 |
| Memoranda: | ||
| Average total assets | $153,295,670 | 3,573 |
| Average earning assets | $131,414,670 | 3,734 |
| Average equity | $14,912,000 | 3,908 |
| Average total loans | $84,236,670 | 3,775 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 1,005 |
| Cost of funding earning assets | 0.5204% | 2,109 |
| Net interest margin | 4.1966% | 1,066 |
| Noninterest income to average assets | 0.5595% | 2,895 |
| Noninterest expense to average assets | 3.4855% | 1,346 |
| Loan and lease loss provision to assets | 0.1734% | 1,134 |
| Net operating income to assets | 0.3715% | 5,179 |
| Return on assets (ROA) | 0.6514% | 4,162 |
| Pretax return on assets | 0.8799% | 3,962 |
| Return on Equity (ROE) | 6.6864% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.6864% | 2,154 |
| Net charge-offs to loans | -0.0096% | 4,707 |
| Credit loss provision to net charge-offs | -3,300.0000% | 5,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7753% | 1,404 |
| Assets per employee ($millions) | 4.3479% | 3,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6312% | 1,943 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 4,319 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 53.4761% | 4,501 |
| Net loans and leases to deposits | 59.6578% | 4,768 |
| Net loans and leases to core deposits | 63.2435% | 4,766 |
| Total domestic deposits to total assets | 89.6381% | 929 |
| Equity capital to assets | 9.6048% | 4,632 |
| Core capital (leverage) ratio | 8.7496% | 5,260 |
| Tier 1 risk-based capital ratio | 12.7972% | 4,724 |
| Total risk-based capital ratio | 14.0474% | 4,647 |
| Memoranda: | ||
| Average total assets | $152,287,500 | 3,619 |
| Average earning assets | $130,677,500 | 3,763 |
| Average equity | $14,836,000 | 3,940 |
| Average total loans | $82,907,000 | 3,820 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5645% | 1,651 |
| Cost of funding earning assets | 0.5602% | 2,138 |
| Net interest margin | 4.0042% | 1,884 |
| Noninterest income to average assets | 0.6476% | 2,564 |
| Noninterest expense to average assets | 3.3176% | 1,884 |
| Loan and lease loss provision to assets | 0.4735% | 339 |
| Net operating income to assets | 0.1356% | 5,902 |
| Return on assets (ROA) | 0.1735% | 5,864 |
| Pretax return on assets | 0.2609% | 5,773 |
| Return on Equity (ROE) | 1.8717% | 5,797 |
| Retained earnings to average equity (ytd only) | 1.8717% | 4,866 |
| Net charge-offs to loans | 0.0168% | 4,532 |
| Credit loss provision to net charge-offs | 5,584.6154% | 51 |
| Earnings coverage of net charge-offs (x) | 79.8462% | 626 |
| Efficiency ratio | 80.4245% | 1,863 |
| Assets per employee ($millions) | 4.1125% | 3,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6352% | 1,967 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4526% | 4,303 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 53.6322% | 4,618 |
| Net loans and leases to deposits | 59.9034% | 4,909 |
| Net loans and leases to core deposits | 64.8672% | 4,767 |
| Total domestic deposits to total assets | 89.5312% | 957 |
| Equity capital to assets | 9.8873% | 4,248 |
| Core capital (leverage) ratio | 8.2639% | 5,809 |
| Tier 1 risk-based capital ratio | 13.3826% | 4,478 |
| Total risk-based capital ratio | 14.6324% | 4,417 |
| Memoranda: | ||
| Average total assets | $153,332,800 | 3,580 |
| Average earning assets | $128,164,200 | 3,803 |
| Average equity | $14,211,600 | 3,990 |
| Average total loans | $77,512,800 | 3,953 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5047% | 1,854 |
| Cost of funding earning assets | 0.5593% | 2,202 |
| Net interest margin | 3.9453% | 2,053 |
| Noninterest income to average assets | 0.6500% | 2,572 |
| Noninterest expense to average assets | 3.2261% | 2,100 |
| Loan and lease loss provision to assets | 0.0500% | 3,379 |
| Net operating income to assets | 0.5466% | 4,687 |
| Return on assets (ROA) | 0.5759% | 4,641 |
| Pretax return on assets | 0.6742% | 4,785 |
| Return on Equity (ROE) | 6.3144% | 4,073 |
| Retained earnings to average equity (ytd only) | 6.3144% | 2,207 |
| Net charge-offs to loans | 0.0191% | 4,149 |
| Credit loss provision to net charge-offs | 527.2727% | 543 |
| Earnings coverage of net charge-offs (x) | 72.7089% | 753 |
| Efficiency ratio | 79.7226% | 1,959 |
| Assets per employee ($millions) | 4.1614% | 3,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 5,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6285% | 3,947 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 48.5237% | 5,147 |
| Net loans and leases to deposits | 53.6974% | 5,413 |
| Net loans and leases to core deposits | 57.7331% | 5,349 |
| Total domestic deposits to total assets | 90.3651% | 586 |
| Equity capital to assets | 9.0292% | 5,320 |
| Core capital (leverage) ratio | 8.5424% | 5,607 |
| Tier 1 risk-based capital ratio | 12.9905% | 4,872 |
| Total risk-based capital ratio | 13.6405% | 5,166 |
| Memoranda: | ||
| Average total assets | $154,653,750 | 3,595 |
| Average earning assets | $128,012,500 | 3,834 |
| Average equity | $14,105,000 | 4,029 |
| Average total loans | $76,710,500 | 4,001 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5108% | 1,797 |
| Cost of funding earning assets | 0.5662% | 2,198 |
| Net interest margin | 3.9445% | 1,993 |
| Noninterest income to average assets | 0.6140% | 2,744 |
| Noninterest expense to average assets | 3.2135% | 2,146 |
| Loan and lease loss provision to assets | 0.0763% | 2,745 |
| Net operating income to assets | 0.4799% | 4,896 |
| Return on assets (ROA) | 0.4799% | 4,963 |
| Pretax return on assets | 0.5851% | 5,001 |
| Return on Equity (ROE) | 5.2435% | 4,557 |
| Retained earnings to average equity (ytd only) | 5.2435% | 2,804 |
| Net charge-offs to loans | 0.0317% | 3,563 |
| Credit loss provision to net charge-offs | 483.3333% | 608 |
| Earnings coverage of net charge-offs (x) | 41.9167% | 1,023 |
| Efficiency ratio | 80.1832% | 1,999 |
| Assets per employee ($millions) | 4.1205% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8371% | 5,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7169% | 3,835 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.1335% | 5,162 |
| Net loans and leases to deposits | 53.2567% | 5,403 |
| Net loans and leases to core deposits | 57.3269% | 5,316 |
| Total domestic deposits to total assets | 90.3802% | 626 |
| Equity capital to assets | 9.0125% | 5,288 |
| Core capital (leverage) ratio | 8.3724% | 5,774 |
| Tier 1 risk-based capital ratio | 12.8929% | 4,982 |
| Total risk-based capital ratio | 13.5531% | 5,276 |
| Memoranda: | ||
| Average total assets | $152,106,330 | 3,649 |
| Average earning assets | $125,744,000 | 3,895 |
| Average equity | $13,922,000 | 4,057 |
| Average total loans | $75,812,000 | 4,050 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5756% | 1,569 |
| Cost of funding earning assets | 0.5744% | 2,209 |
| Net interest margin | 4.0012% | 1,755 |
| Noninterest income to average assets | 0.6170% | 2,634 |
| Noninterest expense to average assets | 3.1798% | 2,295 |
| Loan and lease loss provision to assets | 0.0649% | 2,828 |
| Net operating income to assets | 0.5548% | 4,433 |
| Return on assets (ROA) | 0.5548% | 4,507 |
| Pretax return on assets | 0.6901% | 4,520 |
| Return on Equity (ROE) | 6.0111% | 4,015 |
| Retained earnings to average equity (ytd only) | 6.0111% | 2,535 |
| Net charge-offs to loans | 0.0642% | 2,511 |
| Credit loss provision to net charge-offs | 200.0000% | 1,034 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 1,219 |
| Efficiency ratio | 78.0605% | 2,466 |
| Assets per employee ($millions) | 3.9974% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8410% | 6,021 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7584% | 3,847 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 48.0448% | 5,121 |
| Net loans and leases to deposits | 53.1107% | 5,366 |
| Net loans and leases to core deposits | 57.0981% | 5,273 |
| Total domestic deposits to total assets | 90.4615% | 821 |
| Equity capital to assets | 9.1725% | 4,905 |
| Core capital (leverage) ratio | 8.4184% | 5,729 |
| Tier 1 risk-based capital ratio | 13.3112% | 4,816 |
| Total risk-based capital ratio | 13.9782% | 5,109 |
| Memoranda: | ||
| Average total assets | $147,810,000 | 3,739 |
| Average earning assets | $122,562,500 | 3,989 |
| Average equity | $13,641,500 | 4,121 |
| Average total loans | $74,716,500 | 4,111 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3945% | 2,609 |
| Cost of funding earning assets | 0.6232% | 2,452 |
| Net interest margin | 3.7713% | 2,757 |
| Noninterest income to average assets | 0.6740% | 2,680 |
| Noninterest expense to average assets | 3.1233% | 2,665 |
| Loan and lease loss provision to assets | 0.2803% | 1,232 |
| Net operating income to assets | 0.2988% | 5,530 |
| Return on assets (ROA) | 0.3782% | 5,344 |
| Pretax return on assets | 0.6204% | 4,805 |
| Return on Equity (ROE) | 3.7776% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.7776% | 3,514 |
| Net charge-offs to loans | 0.4682% | 1,423 |
| Credit loss provision to net charge-offs | 120.9726% | 1,967 |
| Earnings coverage of net charge-offs (x) | 3.3526% | 3,879 |
| Efficiency ratio | 77.1759% | 2,595 |
| Assets per employee ($millions) | 3.6851% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8004% | 6,176 |
| Loan loss allowance to noncurrent loans | 430.4965% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.8315% | 3,812 |
| Noncurrent loans to loans | 0.1859% | 5,643 |
| Net loans and leases to total assets | 52.3427% | 4,808 |
| Net loans and leases to deposits | 57.8496% | 5,136 |
| Net loans and leases to core deposits | 63.2830% | 4,943 |
| Total domestic deposits to total assets | 90.4808% | 824 |
| Equity capital to assets | 9.2889% | 4,700 |
| Core capital (leverage) ratio | 8.2965% | 5,880 |
| Tier 1 risk-based capital ratio | 12.5614% | 5,249 |
| Total risk-based capital ratio | 13.2013% | 5,585 |
| Memoranda: | ||
| Average total assets | $141,998,000 | 3,844 |
| Average earning assets | $121,470,200 | 4,022 |
| Average equity | $14,215,400 | 4,025 |
| Average total loans | $70,267,200 | 4,258 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,964 |
| Cost of funding earning assets | 0.6371% | 2,484 |
| Net interest margin | 3.6682% | 3,161 |
| Noninterest income to average assets | 0.6696% | 2,782 |
| Noninterest expense to average assets | 2.9714% | 3,074 |
| Loan and lease loss provision to assets | 0.0207% | 4,582 |
| Net operating income to assets | 0.6308% | 4,213 |
| Return on assets (ROA) | 0.7600% | 3,689 |
| Pretax return on assets | 0.9776% | 3,595 |
| Return on Equity (ROE) | 7.4556% | 3,403 |
| Retained earnings to average equity (ytd only) | 7.4556% | 1,664 |
| Net charge-offs to loans | 0.5324% | 1,204 |
| Credit loss provision to net charge-offs | 8.0000% | 4,241 |
| Earnings coverage of net charge-offs (x) | 3.2145% | 3,767 |
| Efficiency ratio | 78.1134% | 2,405 |
| Assets per employee ($millions) | 3.7746% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3974% | 6,725 |
| Loan loss allowance to noncurrent loans | 307.5269% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8011% | 4,100 |
| Noncurrent loans to loans | 0.1292% | 5,929 |
| Net loans and leases to total assets | 49.9697% | 5,136 |
| Net loans and leases to deposits | 55.5592% | 5,408 |
| Net loans and leases to core deposits | 60.6699% | 5,248 |
| Total domestic deposits to total assets | 89.9396% | 1,037 |
| Equity capital to assets | 9.7209% | 4,281 |
| Core capital (leverage) ratio | 8.9427% | 5,214 |
| Tier 1 risk-based capital ratio | 13.6921% | 4,635 |
| Total risk-based capital ratio | 14.0048% | 5,230 |
| Memoranda: | ||
| Average total assets | $141,567,500 | 3,893 |
| Average earning assets | $120,963,000 | 4,076 |
| Average equity | $14,431,750 | 4,033 |
| Average total loans | $68,875,500 | 4,345 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1699% | 3,475 |
| Cost of funding earning assets | 0.6415% | 2,577 |
| Net interest margin | 3.5284% | 3,661 |
| Noninterest income to average assets | 0.6542% | 2,891 |
| Noninterest expense to average assets | 2.9245% | 3,257 |
| Loan and lease loss provision to assets | 0.0355% | 4,239 |
| Net operating income to assets | 0.5930% | 4,327 |
| Return on assets (ROA) | 0.7152% | 3,906 |
| Pretax return on assets | 0.8713% | 4,018 |
| Return on Equity (ROE) | 6.9066% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.9066% | 1,926 |
| Net charge-offs to loans | 0.8460% | 735 |
| Credit loss provision to net charge-offs | 8.7108% | 3,915 |
| Earnings coverage of net charge-offs (x) | 1.8606% | 3,907 |
| Efficiency ratio | 79.4220% | 2,235 |
| Assets per employee ($millions) | 4.0191% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4173% | 6,759 |
| Loan loss allowance to noncurrent loans | 296.7742% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.8038% | 4,217 |
| Noncurrent loans to loans | 0.1406% | 5,973 |
| Net loans and leases to total assets | 45.5190% | 5,587 |
| Net loans and leases to deposits | 50.5558% | 5,796 |
| Net loans and leases to core deposits | 57.5306% | 5,462 |
| Total domestic deposits to total assets | 90.0373% | 1,002 |
| Equity capital to assets | 9.7160% | 4,284 |
| Core capital (leverage) ratio | 8.5540% | 5,605 |
| Tier 1 risk-based capital ratio | 14.4014% | 4,160 |
| Total risk-based capital ratio | 14.7273% | 4,741 |
| Memoranda: | ||
| Average total assets | $140,945,670 | 3,927 |
| Average earning assets | $120,961,330 | 4,101 |
| Average equity | $14,594,670 | 4,024 |
| Average total loans | $67,847,670 | 4,385 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 3,552 |
| Cost of funding earning assets | 0.6323% | 2,825 |
| Net interest margin | 3.5092% | 3,656 |
| Noninterest income to average assets | 0.6644% | 2,794 |
| Noninterest expense to average assets | 2.9078% | 3,314 |
| Loan and lease loss provision to assets | -0.0460% | 6,785 |
| Net operating income to assets | 0.7421% | 3,462 |
| Return on assets (ROA) | 0.8197% | 3,188 |
| Pretax return on assets | 0.9060% | 3,741 |
| Return on Equity (ROE) | 7.6701% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.6701% | 1,868 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9844% | 2,466 |
| Assets per employee ($millions) | 3.9726% | 4,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7421% | 6,534 |
| Loan loss allowance to noncurrent loans | 94.9091% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.9502% | 4,024 |
| Noncurrent loans to loans | 0.7819% | 4,556 |
| Net loans and leases to total assets | 48.8215% | 5,138 |
| Net loans and leases to deposits | 54.8376% | 5,369 |
| Net loans and leases to core deposits | 63.1856% | 4,828 |
| Total domestic deposits to total assets | 89.0291% | 1,667 |
| Equity capital to assets | 10.4199% | 3,644 |
| Core capital (leverage) ratio | 8.8139% | 5,163 |
| Tier 1 risk-based capital ratio | 14.5891% | 4,113 |
| Total risk-based capital ratio | 15.2249% | 4,485 |
| Memoranda: | ||
| Average total assets | $139,074,000 | 4,004 |
| Average earning assets | $119,572,000 | 4,162 |
| Average equity | $14,863,000 | 4,022 |
| Average total loans | $68,703,000 | 4,389 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 5,442 |
| Cost of funding earning assets | 0.7098% | 3,415 |
| Net interest margin | 3.2406% | 5,456 |
| Noninterest income to average assets | 0.7632% | 2,433 |
| Noninterest expense to average assets | 3.0897% | 2,958 |
| Loan and lease loss provision to assets | 0.2506% | 2,649 |
| Net operating income to assets | 0.2076% | 5,765 |
| Return on assets (ROA) | 0.9119% | 2,995 |
| Pretax return on assets | 0.9119% | 3,882 |
| Return on Equity (ROE) | 8.4335% | 2,903 |
| Retained earnings to average equity (ytd only) | 8.4335% | 990 |
| Net charge-offs to loans | 0.3058% | 3,115 |
| Credit loss provision to net charge-offs | 227.3973% | 1,090 |
| Earnings coverage of net charge-offs (x) | 4.1575% | 3,458 |
| Efficiency ratio | 87.0851% | 1,323 |
| Assets per employee ($millions) | 3.5561% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8022% | 6,485 |
| Loan loss allowance to noncurrent loans | 104.0619% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 4,065 |
| Noncurrent loans to loans | 0.7709% | 4,641 |
| Net loans and leases to total assets | 49.2285% | 5,277 |
| Net loans and leases to deposits | 56.9682% | 5,339 |
| Net loans and leases to core deposits | 64.7915% | 4,866 |
| Total domestic deposits to total assets | 86.4141% | 3,144 |
| Equity capital to assets | 10.9699% | 2,989 |
| Core capital (leverage) ratio | 8.9631% | 4,958 |
| Tier 1 risk-based capital ratio | 15.2684% | 3,565 |
| Total risk-based capital ratio | 15.9707% | 3,837 |
| Memoranda: | ||
| Average total assets | $132,470,800 | 4,099 |
| Average earning assets | $113,836,800 | 4,253 |
| Average equity | $14,323,800 | 4,099 |
| Average total loans | $47,746,200 | 5,188 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8764% | 5,840 |
| Cost of funding earning assets | 0.7274% | 3,541 |
| Net interest margin | 3.1490% | 5,825 |
| Noninterest income to average assets | 0.7769% | 2,346 |
| Noninterest expense to average assets | 3.1217% | 2,823 |
| Loan and lease loss provision to assets | 0.2701% | 2,412 |
| Net operating income to assets | 0.0870% | 6,146 |
| Return on assets (ROA) | 0.7587% | 3,906 |
| Pretax return on assets | 0.7587% | 4,637 |
| Return on Equity (ROE) | 7.0427% | 3,782 |
| Retained earnings to average equity (ytd only) | 7.0427% | 2,099 |
| Net charge-offs to loans | 0.4505% | 2,306 |
| Credit loss provision to net charge-offs | 184.1379% | 1,506 |
| Earnings coverage of net charge-offs (x) | 2.4344% | 4,066 |
| Efficiency ratio | 89.7354% | 1,065 |
| Assets per employee ($millions) | 3.5222% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 6,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7427% | 4,832 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 36.5948% | 6,518 |
| Net loans and leases to deposits | 41.5857% | 6,616 |
| Net loans and leases to core deposits | 47.0360% | 6,470 |
| Total domestic deposits to total assets | 87.9987% | 2,045 |
| Equity capital to assets | 11.0591% | 3,198 |
| Core capital (leverage) ratio | 8.6831% | 5,498 |
| Tier 1 risk-based capital ratio | 16.4931% | 3,005 |
| Total risk-based capital ratio | 17.1899% | 3,267 |
| Memoranda: | ||
| Average total assets | $131,805,250 | 4,137 |
| Average earning assets | $113,092,250 | 4,311 |
| Average equity | $14,198,750 | 4,163 |
| Average total loans | $42,917,250 | 5,448 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7500% | 6,251 |
| Cost of funding earning assets | 0.7447% | 3,646 |
| Net interest margin | 3.0053% | 6,231 |
| Noninterest income to average assets | 0.7550% | 2,396 |
| Noninterest expense to average assets | 3.1024% | 2,922 |
| Loan and lease loss provision to assets | 0.3905% | 1,682 |
| Net operating income to assets | -0.1403% | 6,477 |
| Return on assets (ROA) | 0.6132% | 4,565 |
| Pretax return on assets | 0.6132% | 5,091 |
| Return on Equity (ROE) | 5.7438% | 4,453 |
| Retained earnings to average equity (ytd only) | 5.7438% | 2,856 |
| Net charge-offs to loans | 0.6677% | 1,652 |
| Credit loss provision to net charge-offs | 188.2353% | 1,504 |
| Earnings coverage of net charge-offs (x) | 1.2059% | 4,405 |
| Efficiency ratio | 92.5387% | 892 |
| Assets per employee ($millions) | 3.4660% | 5,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0579% | 5,930 |
| Loan loss allowance to noncurrent loans | 7,850.0000% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.7562% | 4,903 |
| Noncurrent loans to loans | 0.0135% | 6,663 |
| Net loans and leases to total assets | 33.4477% | 6,751 |
| Net loans and leases to deposits | 37.8040% | 6,812 |
| Net loans and leases to core deposits | 42.2563% | 6,723 |
| Total domestic deposits to total assets | 88.4767% | 1,834 |
| Equity capital to assets | 10.8005% | 3,341 |
| Core capital (leverage) ratio | 8.4014% | 5,785 |
| Tier 1 risk-based capital ratio | 16.9868% | 2,667 |
| Total risk-based capital ratio | 17.7211% | 2,898 |
| Memoranda: | ||
| Average total assets | $131,125,670 | 4,184 |
| Average earning assets | $113,332,330 | 4,327 |
| Average equity | $13,997,670 | 4,197 |
| Average total loans | $40,738,000 | 5,564 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7374% | 6,375 |
| Cost of funding earning assets | 0.7664% | 3,731 |
| Net interest margin | 2.9710% | 6,357 |
| Noninterest income to average assets | 0.6726% | 2,800 |
| Noninterest expense to average assets | 3.0512% | 3,077 |
| Loan and lease loss provision to assets | -0.0611% | 7,154 |
| Net operating income to assets | 0.2782% | 5,728 |
| Return on assets (ROA) | 0.6298% | 4,428 |
| Pretax return on assets | 0.6298% | 5,013 |
| Return on Equity (ROE) | 5.9349% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.9349% | 2,995 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3583% | 857 |
| Assets per employee ($millions) | 3.4351% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8558% | 6,629 |
| Loan loss allowance to noncurrent loans | 235.4610% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.8442% | 4,842 |
| Noncurrent loans to loans | 0.3634% | 5,948 |
| Net loans and leases to total assets | 28.7108% | 6,952 |
| Net loans and leases to deposits | 32.2787% | 7,004 |
| Net loans and leases to core deposits | 37.6347% | 6,891 |
| Total domestic deposits to total assets | 88.9465% | 1,730 |
| Equity capital to assets | 10.4257% | 3,587 |
| Core capital (leverage) ratio | 8.2668% | 5,931 |
| Tier 1 risk-based capital ratio | 19.2143% | 1,930 |
| Total risk-based capital ratio | 19.8098% | 2,095 |
| Memoranda: | ||
| Average total assets | $130,835,000 | 4,213 |
| Average earning assets | $114,303,500 | 4,330 |
| Average equity | $13,884,000 | 4,222 |
| Average total loans | $38,845,000 | 5,689 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1876% | 6,091 |
| Cost of funding earning assets | 0.8210% | 4,699 |
| Net interest margin | 3.3666% | 5,593 |
| Noninterest income to average assets | 1.2261% | 871 |
| Noninterest expense to average assets | 3.3698% | 2,316 |
| Loan and lease loss provision to assets | 0.0497% | 5,965 |
| Net operating income to assets | 0.7269% | 3,345 |
| Return on assets (ROA) | 0.8614% | 2,914 |
| Pretax return on assets | 0.8980% | 3,612 |
| Return on Equity (ROE) | 8.4287% | 2,702 |
| Retained earnings to average equity (ytd only) | 8.4287% | 945 |
| Net charge-offs to loans | -0.0139% | 6,918 |
| Credit loss provision to net charge-offs | -1,220.0000% | 6,879 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6665% | 2,209 |
| Assets per employee ($millions) | 3.6487% | 4,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 6,525 |
| Loan loss allowance to noncurrent loans | 241.0959% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8896% | 4,837 |
| Noncurrent loans to loans | 0.3754% | 5,965 |
| Net loans and leases to total assets | 30.1817% | 7,001 |
| Net loans and leases to deposits | 34.0688% | 7,044 |
| Net loans and leases to core deposits | 38.6140% | 6,981 |
| Total domestic deposits to total assets | 88.5907% | 1,789 |
| Equity capital to assets | 10.8071% | 3,188 |
| Core capital (leverage) ratio | 8.5917% | 5,415 |
| Tier 1 risk-based capital ratio | 18.9255% | 1,920 |
| Total risk-based capital ratio | 19.5646% | 2,066 |
| Memoranda: | ||
| Average total assets | $122,827,600 | 4,327 |
| Average earning assets | $107,674,800 | 4,455 |
| Average equity | $12,552,400 | 4,428 |
| Average total loans | $35,892,200 | 5,871 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 6,278 |
| Cost of funding earning assets | 0.8448% | 4,807 |
| Net interest margin | 3.3230% | 5,793 |
| Noninterest income to average assets | 1.3518% | 716 |
| Noninterest expense to average assets | 3.3560% | 2,325 |
| Loan and lease loss provision to assets | 0.0647% | 5,642 |
| Net operating income to assets | 0.8189% | 3,065 |
| Return on assets (ROA) | 0.9999% | 2,471 |
| Pretax return on assets | 1.0394% | 3,253 |
| Return on Equity (ROE) | 9.9342% | 2,224 |
| Retained earnings to average equity (ytd only) | 9.9342% | 862 |
| Net charge-offs to loans | -0.0228% | 6,932 |
| Credit loss provision to net charge-offs | -983.3333% | 6,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5678% | 2,465 |
| Assets per employee ($millions) | 3.6120% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 6,534 |
| Loan loss allowance to noncurrent loans | 575.4098% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.8108% | 5,149 |
| Noncurrent loans to loans | 0.1599% | 6,550 |
| Net loans and leases to total assets | 29.9001% | 7,092 |
| Net loans and leases to deposits | 33.7639% | 7,137 |
| Net loans and leases to core deposits | 37.3869% | 7,092 |
| Total domestic deposits to total assets | 88.5565% | 1,723 |
| Equity capital to assets | 10.9317% | 3,206 |
| Core capital (leverage) ratio | 8.3607% | 5,910 |
| Tier 1 risk-based capital ratio | 18.7797% | 2,000 |
| Total risk-based capital ratio | 19.4221% | 2,160 |
| Memoranda: | ||
| Average total assets | $121,608,750 | 4,375 |
| Average earning assets | $106,849,250 | 4,508 |
| Average equity | $12,240,250 | 4,502 |
| Average total loans | $35,141,500 | 5,965 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1845% | 6,312 |
| Cost of funding earning assets | 0.8649% | 4,950 |
| Net interest margin | 3.3196% | 5,804 |
| Noninterest income to average assets | 1.6733% | 478 |
| Noninterest expense to average assets | 3.3415% | 2,425 |
| Loan and lease loss provision to assets | 0.0500% | 5,687 |
| Net operating income to assets | 1.1687% | 1,667 |
| Return on assets (ROA) | 1.2366% | 1,549 |
| Pretax return on assets | 1.2750% | 2,226 |
| Return on Equity (ROE) | 12.6690% | 1,287 |
| Retained earnings to average equity (ytd only) | 12.6690% | 426 |
| Net charge-offs to loans | -0.0527% | 7,040 |
| Credit loss provision to net charge-offs | -333.3333% | 6,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6976% | 3,601 |
| Assets per employee ($millions) | 3.3542% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9049% | 6,643 |
| Loan loss allowance to noncurrent loans | 265.0407% | 1,173 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 5,066 |
| Noncurrent loans to loans | 0.3414% | 6,233 |
| Net loans and leases to total assets | 29.5644% | 7,195 |
| Net loans and leases to deposits | 33.1409% | 7,245 |
| Net loans and leases to core deposits | 36.9413% | 7,198 |
| Total domestic deposits to total assets | 89.2083% | 1,415 |
| Equity capital to assets | 10.6261% | 3,358 |
| Core capital (leverage) ratio | 8.5092% | 5,542 |
| Tier 1 risk-based capital ratio | 19.2366% | 1,773 |
| Total risk-based capital ratio | 19.8585% | 1,927 |
| Memoranda: | ||
| Average total assets | $120,004,670 | 4,453 |
| Average earning assets | $105,674,670 | 4,576 |
| Average equity | $11,713,670 | 4,637 |
| Average total loans | $34,138,330 | 6,064 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0640% | 6,574 |
| Cost of funding earning assets | 0.8719% | 5,119 |
| Net interest margin | 3.1921% | 6,092 |
| Noninterest income to average assets | 0.7791% | 2,117 |
| Noninterest expense to average assets | 3.2032% | 2,883 |
| Loan and lease loss provision to assets | -0.0401% | 7,464 |
| Net operating income to assets | 0.4012% | 4,941 |
| Return on assets (ROA) | 0.4012% | 5,031 |
| Pretax return on assets | 0.4313% | 5,241 |
| Return on Equity (ROE) | 4.3030% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.3030% | 3,590 |
| Net charge-offs to loans | -0.1446% | 7,193 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1163% | 1,409 |
| Assets per employee ($millions) | 3.4092% | 5,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 6,843 |
| Loan loss allowance to noncurrent loans | 295.8763% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.8645% | 5,175 |
| Noncurrent loans to loans | 0.2831% | 6,423 |
| Net loans and leases to total assets | 27.6795% | 7,302 |
| Net loans and leases to deposits | 30.6371% | 7,349 |
| Net loans and leases to core deposits | 34.2167% | 7,302 |
| Total domestic deposits to total assets | 90.3463% | 934 |
| Equity capital to assets | 9.4908% | 4,449 |
| Core capital (leverage) ratio | 8.1164% | 6,099 |
| Tier 1 risk-based capital ratio | 18.5007% | 1,958 |
| Total risk-based capital ratio | 19.0535% | 2,145 |
| Memoranda: | ||
| Average total assets | $119,632,000 | 4,491 |
| Average earning assets | $105,512,000 | 4,602 |
| Average equity | $11,155,000 | 4,755 |
| Average total loans | $33,195,000 | 6,171 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7613% | 7,274 |
| Cost of funding earning assets | 0.8136% | 6,504 |
| Net interest margin | 2.9477% | 6,826 |
| Noninterest income to average assets | 0.6684% | 3,030 |
| Noninterest expense to average assets | 3.4118% | 2,409 |
| Loan and lease loss provision to assets | 0.1614% | 5,598 |
| Net operating income to assets | -0.1984% | 6,116 |
| Return on assets (ROA) | 0.2791% | 5,173 |
| Pretax return on assets | 0.1723% | 5,551 |
| Return on Equity (ROE) | 2.4885% | 5,191 |
| Retained earnings to average equity (ytd only) | 2.4885% | 4,136 |
| Net charge-offs to loans | 0.6185% | 3,183 |
| Credit loss provision to net charge-offs | 104.2254% | 4,313 |
| Earnings coverage of net charge-offs (x) | -0.9296% | 6,587 |
| Efficiency ratio | 104.4044% | 659 |
| Assets per employee ($millions) | 3.2371% | 5,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8932% | 6,744 |
| Loan loss allowance to noncurrent loans | 287.0000% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.9122% | 5,193 |
| Noncurrent loans to loans | 0.3112% | 6,435 |
| Net loans and leases to total assets | 27.3268% | 7,417 |
| Net loans and leases to deposits | 30.1543% | 7,458 |
| Net loans and leases to core deposits | 33.7484% | 7,426 |
| Total domestic deposits to total assets | 90.6233% | 782 |
| Equity capital to assets | 9.1493% | 4,918 |
| Core capital (leverage) ratio | 7.5346% | 6,676 |
| Tier 1 risk-based capital ratio | 17.3191% | 2,221 |
| Total risk-based capital ratio | 17.8908% | 2,453 |
| Memoranda: | ||
| Average total assets | $91,711,200 | 5,231 |
| Average earning assets | $80,875,600 | 5,310 |
| Average equity | $10,287,400 | 5,045 |
| Average total loans | $22,960,000 | 6,779 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6192% | 7,483 |
| Cost of funding earning assets | 0.7596% | 6,888 |
| Net interest margin | 2.8596% | 7,064 |
| Noninterest income to average assets | 0.6019% | 3,428 |
| Noninterest expense to average assets | 2.9549% | 3,911 |
| Loan and lease loss provision to assets | 0.2121% | 4,946 |
| Net operating income to assets | -0.0315% | 6,063 |
| Return on assets (ROA) | 0.4397% | 4,769 |
| Pretax return on assets | 0.6362% | 4,465 |
| Return on Equity (ROE) | 3.6884% | 4,919 |
| Retained earnings to average equity (ytd only) | 3.6884% | 3,863 |
| Net charge-offs to loans | 0.8193% | 2,404 |
| Credit loss provision to net charge-offs | 107.0866% | 3,989 |
| Earnings coverage of net charge-offs (x) | 0.8346% | 5,221 |
| Efficiency ratio | 94.7026% | 964 |
| Assets per employee ($millions) | 3.2892% | 5,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9108% | 6,711 |
| Loan loss allowance to noncurrent loans | 207.1429% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.9298% | 5,238 |
| Noncurrent loans to loans | 0.4397% | 6,317 |
| Net loans and leases to total assets | 26.6445% | 7,533 |
| Net loans and leases to deposits | 29.6860% | 7,564 |
| Net loans and leases to core deposits | 32.7004% | 7,551 |
| Total domestic deposits to total assets | 89.7543% | 995 |
| Equity capital to assets | 9.8167% | 4,396 |
| Core capital (leverage) ratio | 11.1455% | 2,166 |
| Tier 1 risk-based capital ratio | 18.8112% | 1,791 |
| Total risk-based capital ratio | 19.4291% | 1,934 |
| Memoranda: | ||
| Average total assets | $85,505,500 | 5,484 |
| Average earning assets | $75,300,000 | 5,564 |
| Average equity | $10,193,750 | 5,136 |
| Average total loans | $20,667,000 | 6,977 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1279% | 7,253 |
| Cost of funding earning assets | 0.8710% | 6,688 |
| Net interest margin | 3.2569% | 6,143 |
| Noninterest income to average assets | 0.6923% | 2,750 |
| Noninterest expense to average assets | 3.1286% | 3,190 |
| Loan and lease loss provision to assets | -0.0295% | 7,750 |
| Net operating income to assets | 0.3859% | 4,818 |
| Return on assets (ROA) | 1.1082% | 1,894 |
| Pretax return on assets | 1.2826% | 2,144 |
| Return on Equity (ROE) | 8.5006% | 2,669 |
| Retained earnings to average equity (ytd only) | 8.5006% | 1,263 |
| Net charge-offs to loans | 0.5548% | 2,868 |
| Credit loss provision to net charge-offs | -23.4043% | 6,604 |
| Earnings coverage of net charge-offs (x) | 3.2766% | 3,388 |
| Efficiency ratio | 88.3333% | 1,480 |
| Assets per employee ($millions) | 3.1253% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2945% | 4,954 |
| Loan loss allowance to noncurrent loans | 84.1509% | 3,238 |
| Noncurrent assets plus other real estate owned to assets | 0.3392% | 6,575 |
| Noncurrent loans to loans | 1.5383% | 4,408 |
| Net loans and leases to total assets | 21.7632% | 7,668 |
| Net loans and leases to deposits | 25.1037% | 7,697 |
| Net loans and leases to core deposits | 28.3018% | 7,674 |
| Total domestic deposits to total assets | 86.6930% | 2,708 |
| Equity capital to assets | 12.8053% | 1,651 |
| Core capital (leverage) ratio | 12.0092% | 1,637 |
| Tier 1 risk-based capital ratio | 28.5770% | 593 |
| Total risk-based capital ratio | 29.2476% | 616 |
| Memoranda: | ||
| Average total assets | $74,537,000 | 5,854 |
| Average earning assets | $65,214,670 | 5,918 |
| Average equity | $9,717,000 | 5,284 |
| Average total loans | $16,942,670 | 7,224 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2930% | 7,141 |
| Cost of funding earning assets | 0.8738% | 6,861 |
| Net interest margin | 3.4192% | 5,503 |
| Noninterest income to average assets | 0.7369% | 2,373 |
| Noninterest expense to average assets | 3.4314% | 2,152 |
| Loan and lease loss provision to assets | 0.0935% | 5,696 |
| Net operating income to assets | 0.1657% | 5,804 |
| Return on assets (ROA) | 0.9788% | 2,324 |
| Pretax return on assets | 1.0558% | 2,888 |
| Return on Equity (ROE) | 7.4376% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.4376% | 1,955 |
| Net charge-offs to loans | 0.2381% | 3,511 |
| Credit loss provision to net charge-offs | 170.0000% | 2,140 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,492 |
| Efficiency ratio | 92.5816% | 1,239 |
| Assets per employee ($millions) | 3.0710% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7173% | 2,999 |
| Loan loss allowance to noncurrent loans | 103.5971% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 0.3621% | 6,570 |
| Noncurrent loans to loans | 1.6576% | 4,259 |
| Net loans and leases to total assets | 21.4692% | 7,767 |
| Net loans and leases to deposits | 24.7003% | 7,796 |
| Net loans and leases to core deposits | 28.3720% | 7,762 |
| Total domestic deposits to total assets | 86.9189% | 2,672 |
| Equity capital to assets | 12.6408% | 1,685 |
| Core capital (leverage) ratio | 12.8921% | 1,251 |
| Tier 1 risk-based capital ratio | 29.1304% | 577 |
| Total risk-based capital ratio | 30.0355% | 576 |
| Memoranda: | ||
| Average total assets | $72,739,500 | 5,972 |
| Average earning assets | $63,172,000 | 6,048 |
| Average equity | $9,573,000 | 5,353 |
| Average total loans | $16,800,500 | 7,326 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 7,149 |
| Cost of funding earning assets | 1.4140% | 5,873 |
| Net interest margin | 3.2780% | 5,827 |
| Noninterest income to average assets | 0.6537% | 3,263 |
| Noninterest expense to average assets | 3.0881% | 3,798 |
| Loan and lease loss provision to assets | 0.0462% | 7,103 |
| Net operating income to assets | 0.3146% | 4,477 |
| Return on assets (ROA) | 0.5039% | 3,808 |
| Pretax return on assets | 0.6187% | 3,850 |
| Return on Equity (ROE) | 3.9517% | 4,108 |
| Retained earnings to average equity (ytd only) | 3.9517% | 2,437 |
| Net charge-offs to loans | 0.3897% | 4,264 |
| Credit loss provision to net charge-offs | 50.7692% | 6,734 |
| Earnings coverage of net charge-offs (x) | 4.7385% | 2,836 |
| Efficiency ratio | 87.7486% | 1,905 |
| Assets per employee ($millions) | 2.5446% | 7,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6696% | 3,006 |
| Loan loss allowance to noncurrent loans | 187.3333% | 1,576 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 6,915 |
| Noncurrent loans to loans | 0.8913% | 5,524 |
| Net loans and leases to total assets | 24.0874% | 7,804 |
| Net loans and leases to deposits | 28.0188% | 7,835 |
| Net loans and leases to core deposits | 38.5425% | 7,784 |
| Total domestic deposits to total assets | 85.9688% | 3,036 |
| Equity capital to assets | 13.7416% | 1,239 |
| Core capital (leverage) ratio | 13.1923% | 1,188 |
| Tier 1 risk-based capital ratio | 30.1703% | 516 |
| Total risk-based capital ratio | 31.1029% | 514 |
| Memoranda: | ||
| Average total assets | $71,436,600 | 5,958 |
| Average earning assets | $62,447,000 | 6,049 |
| Average equity | $9,110,000 | 5,577 |
| Average total loans | $16,681,600 | 7,370 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7216% | 7,248 |
| Cost of funding earning assets | 1.5520% | 5,624 |
| Net interest margin | 3.1696% | 6,118 |
| Noninterest income to average assets | 0.6397% | 3,424 |
| Noninterest expense to average assets | 2.9118% | 4,408 |
| Loan and lease loss provision to assets | 0.0555% | 6,811 |
| Net operating income to assets | 0.3194% | 4,723 |
| Return on assets (ROA) | 0.5417% | 3,910 |
| Pretax return on assets | 0.7487% | 3,703 |
| Return on Equity (ROE) | 4.3276% | 4,240 |
| Retained earnings to average equity (ytd only) | 4.3276% | 2,850 |
| Net charge-offs to loans | 0.0721% | 5,965 |
| Credit loss provision to net charge-offs | 333.3333% | 1,233 |
| Earnings coverage of net charge-offs (x) | 29.7767% | 940 |
| Efficiency ratio | 85.4585% | 2,129 |
| Assets per employee ($millions) | 3.4610% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9903% | 1,825 |
| Loan loss allowance to noncurrent loans | 153.9171% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.2986% | 6,741 |
| Noncurrent loans to loans | 1.2931% | 4,780 |
| Net loans and leases to total assets | 22.6293% | 7,922 |
| Net loans and leases to deposits | 26.1741% | 7,946 |
| Net loans and leases to core deposits | 34.9996% | 7,908 |
| Total domestic deposits to total assets | 86.4571% | 2,450 |
| Equity capital to assets | 13.0050% | 1,694 |
| Core capital (leverage) ratio | 12.9338% | 1,393 |
| Tier 1 risk-based capital ratio | 29.7730% | 578 |
| Total risk-based capital ratio | 30.8751% | 580 |
| Memoranda: | ||
| Average total assets | $72,119,750 | 5,976 |
| Average earning assets | $62,971,500 | 6,073 |
| Average equity | $9,027,250 | 5,653 |
| Average total loans | $16,644,500 | 7,439 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7823% | 7,258 |
| Cost of funding earning assets | 1.6764% | 5,383 |
| Net interest margin | 3.1059% | 6,218 |
| Noninterest income to average assets | 0.6228% | 3,518 |
| Noninterest expense to average assets | 2.8499% | 4,740 |
| Loan and lease loss provision to assets | 0.0222% | 7,008 |
| Net operating income to assets | 0.2602% | 5,050 |
| Return on assets (ROA) | 0.2780% | 5,090 |
| Pretax return on assets | 0.4727% | 4,710 |
| Return on Equity (ROE) | 2.2508% | 5,196 |
| Retained earnings to average equity (ytd only) | 2.2508% | 4,084 |
| Net charge-offs to loans | 0.0843% | 5,363 |
| Credit loss provision to net charge-offs | 114.2857% | 4,050 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,166 |
| Efficiency ratio | 85.9179% | 2,239 |
| Assets per employee ($millions) | 3.3379% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8195% | 1,995 |
| Loan loss allowance to noncurrent loans | 638.7755% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 7,421 |
| Noncurrent loans to loans | 0.2848% | 6,803 |
| Net loans and leases to total assets | 23.0006% | 8,006 |
| Net loans and leases to deposits | 26.2978% | 8,025 |
| Net loans and leases to core deposits | 35.4393% | 7,989 |
| Total domestic deposits to total assets | 87.4620% | 2,028 |
| Equity capital to assets | 12.0627% | 2,168 |
| Core capital (leverage) ratio | 11.8806% | 1,886 |
| Tier 1 risk-based capital ratio | 26.3386% | 828 |
| Total risk-based capital ratio | 27.2722% | 836 |
| Memoranda: | ||
| Average total assets | $71,933,000 | 6,034 |
| Average earning assets | $62,396,670 | 6,131 |
| Average equity | $8,885,670 | 5,725 |
| Average total loans | $16,599,000 | 7,506 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8378% | 7,310 |
| Cost of funding earning assets | 1.7245% | 5,494 |
| Net interest margin | 3.1132% | 6,162 |
| Noninterest income to average assets | 0.6069% | 3,499 |
| Noninterest expense to average assets | 2.7478% | 4,790 |
| Loan and lease loss provision to assets | 0.0112% | 6,696 |
| Net operating income to assets | 0.4085% | 4,823 |
| Return on assets (ROA) | 0.4495% | 4,823 |
| Pretax return on assets | 0.6125% | 4,718 |
| Return on Equity (ROE) | 3.5957% | 5,132 |
| Retained earnings to average equity (ytd only) | 3.5957% | 3,895 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8814% | 2,428 |
| Assets per employee ($millions) | 3.5247% | 4,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9394% | 1,541 |
| Loan loss allowance to noncurrent loans | 235.0746% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.1810% | 6,992 |
| Noncurrent loans to loans | 0.8250% | 5,383 |
| Net loans and leases to total assets | 21.5174% | 8,070 |
| Net loans and leases to deposits | 24.6411% | 8,093 |
| Net loans and leases to core deposits | 33.3662% | 8,055 |
| Total domestic deposits to total assets | 87.3235% | 2,053 |
| Equity capital to assets | 12.2374% | 2,115 |
| Core capital (leverage) ratio | 12.2489% | 1,790 |
| Tier 1 risk-based capital ratio | 27.7105% | 777 |
| Total risk-based capital ratio | 28.7013% | 771 |
| Memoranda: | ||
| Average total assets | $71,183,000 | 6,093 |
| Average earning assets | $61,929,500 | 6,179 |
| Average equity | $8,899,500 | 5,738 |
| Average total loans | $16,297,000 | 7,565 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8914% | 6,080 |
| Cost of funding earning assets | 2.0505% | 6,233 |
| Net interest margin | 3.8409% | 3,835 |
| Noninterest income to average assets | 0.8486% | 2,244 |
| Noninterest expense to average assets | 3.6421% | 2,058 |
| Loan and lease loss provision to assets | 0.0895% | 6,265 |
| Net operating income to assets | 0.2739% | 5,631 |
| Return on assets (ROA) | 0.3752% | 5,063 |
| Pretax return on assets | 0.6541% | 4,535 |
| Return on Equity (ROE) | 2.5393% | 5,403 |
| Retained earnings to average equity (ytd only) | 2.5393% | 3,625 |
| Net charge-offs to loans | 0.2200% | 4,024 |
| Credit loss provision to net charge-offs | 144.4444% | 3,657 |
| Earnings coverage of net charge-offs (x) | 9.4444% | 2,683 |
| Efficiency ratio | 86.1564% | 1,839 |
| Assets per employee ($millions) | 3.4174% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9141% | 1,388 |
| Loan loss allowance to noncurrent loans | 300.9615% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.1522% | 6,962 |
| Noncurrent loans to loans | 0.6360% | 5,457 |
| Net loans and leases to total assets | 23.4670% | 8,113 |
| Net loans and leases to deposits | 27.0030% | 8,150 |
| Net loans and leases to core deposits | 36.9469% | 8,099 |
| Total domestic deposits to total assets | 86.9051% | 1,982 |
| Equity capital to assets | 12.7891% | 1,872 |
| Core capital (leverage) ratio | 13.7678% | 1,316 |
| Tier 1 risk-based capital ratio | 28.6643% | 723 |
| Total risk-based capital ratio | 29.6920% | 721 |
| Memoranda: | ||
| Average total assets | $58,097,600 | 6,448 |
| Average earning assets | $51,108,400 | 6,550 |
| Average equity | $8,585,200 | 5,878 |
| Average total loans | $16,362,000 | 7,560 |