Home > Security State Bank > Performance and Condition Ratios
Security State Bank, Performance and Condition Ratios
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 551 |
| Cost of funding earning assets | 0.4597% | 2,536 |
| Net interest margin | 4.6077% | 540 |
| Noninterest income to average assets | 0.7778% | 1,872 |
| Noninterest expense to average assets | 4.0110% | 665 |
| Loan and lease loss provision to assets | 1.4386% | 50 |
| Net operating income to assets | -0.7097% | 6,075 |
| Return on assets (ROA) | -0.7097% | 6,077 |
| Pretax return on assets | -0.7097% | 6,070 |
| Return on Equity (ROE) | -6.7312% | 6,068 |
| Retained earnings to average equity (ytd only) | -9.3780% | 6,026 |
| Net charge-offs to loans | 2.1211% | 64 |
| Credit loss provision to net charge-offs | 95.4763% | 2,649 |
| Earnings coverage of net charge-offs (x) | 0.4838% | 4,223 |
| Efficiency ratio | 84.6219% | 1,129 |
| Assets per employee ($millions) | 2.9330% | 5,582 |
| Cash dividends to net income (ytd only)* | -39.3220% | 6,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1287% | 3,872 |
| Loan loss allowance to noncurrent loans | 237.2998% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.3465% | 4,201 |
| Noncurrent loans to loans | 0.4756% | 3,761 |
| Net loans and leases to total assets | 72.0299% | 2,046 |
| Net loans and leases to deposits | 92.3557% | 1,364 |
| Net loans and leases to core deposits | 96.4608% | 1,802 |
| Total domestic deposits to total assets | 77.9919% | 5,166 |
| Equity capital to assets | 9.5007% | 4,549 |
| Core capital (leverage) ratio | 8.7804% | 5,131 |
| Tier 1 risk-based capital ratio | 12.3798% | 4,712 |
| Total risk-based capital ratio | 13.5296% | 4,674 |
| Memoranda: | ||
| Average total assets | $124,708,000 | 3,992 |
| Average earning assets | $107,232,800 | 4,111 |
| Average equity | $13,147,800 | 4,107 |
| Average total loans | $88,587,400 | 3,619 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9878% | 637 |
| Cost of funding earning assets | 0.4563% | 2,627 |
| Net interest margin | 4.5315% | 614 |
| Noninterest income to average assets | 0.7945% | 1,822 |
| Noninterest expense to average assets | 4.0367% | 638 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6444% | 4,162 |
| Return on assets (ROA) | 0.6444% | 4,272 |
| Pretax return on assets | 0.6444% | 4,850 |
| Return on Equity (ROE) | 5.9625% | 4,171 |
| Retained earnings to average equity (ytd only) | 4.0775% | 3,557 |
| Net charge-offs to loans | 0.0410% | 3,066 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 22.2586% | 1,785 |
| Efficiency ratio | 86.2345% | 987 |
| Assets per employee ($millions) | 2.8808% | 5,679 |
| Cash dividends to net income (ytd only)* | 31.6145% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 3,830 |
| Loan loss allowance to noncurrent loans | 86.3565% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 2,311 |
| Noncurrent loans to loans | 1.3517% | 1,895 |
| Net loans and leases to total assets | 74.8460% | 1,577 |
| Net loans and leases to deposits | 94.1288% | 1,189 |
| Net loans and leases to core deposits | 99.6207% | 1,548 |
| Total domestic deposits to total assets | 79.5145% | 4,856 |
| Equity capital to assets | 10.9362% | 3,094 |
| Core capital (leverage) ratio | 10.4506% | 3,099 |
| Tier 1 risk-based capital ratio | 14.2351% | 3,709 |
| Total risk-based capital ratio | 15.4517% | 3,664 |
| Memoranda: | ||
| Average total assets | $124,355,750 | 4,032 |
| Average earning assets | $106,657,750 | 4,167 |
| Average equity | $13,439,250 | 4,101 |
| Average total loans | $87,764,500 | 3,675 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 727 |
| Cost of funding earning assets | 0.4590% | 2,620 |
| Net interest margin | 4.4442% | 700 |
| Noninterest income to average assets | 0.8063% | 1,752 |
| Noninterest expense to average assets | 3.9689% | 701 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6007% | 4,342 |
| Return on assets (ROA) | 0.6007% | 4,442 |
| Pretax return on assets | 0.6007% | 4,973 |
| Return on Equity (ROE) | 5.5807% | 4,334 |
| Retained earnings to average equity (ytd only) | 3.2977% | 3,945 |
| Net charge-offs to loans | 0.0257% | 3,167 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 1,254 |
| Efficiency ratio | 86.8541% | 990 |
| Assets per employee ($millions) | 2.7363% | 5,881 |
| Cash dividends to net income (ytd only)* | 40.9091% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2875% | 3,315 |
| Loan loss allowance to noncurrent loans | 805.0725% | 674 |
| Noncurrent assets plus other real estate owned to assets | 0.1173% | 5,393 |
| Noncurrent loans to loans | 0.1599% | 5,118 |
| Net loans and leases to total assets | 72.3982% | 1,917 |
| Net loans and leases to deposits | 85.6317% | 2,087 |
| Net loans and leases to core deposits | 91.5297% | 2,194 |
| Total domestic deposits to total assets | 84.5460% | 3,320 |
| Equity capital to assets | 11.3429% | 2,536 |
| Core capital (leverage) ratio | 10.4935% | 2,962 |
| Tier 1 risk-based capital ratio | 14.7431% | 3,507 |
| Total risk-based capital ratio | 15.9942% | 3,429 |
| Memoranda: | ||
| Average total assets | $124,516,670 | 4,061 |
| Average earning assets | $105,441,000 | 4,232 |
| Average equity | $13,403,330 | 4,138 |
| Average total loans | $85,749,670 | 3,737 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8917% | 713 |
| Cost of funding earning assets | 0.4608% | 2,675 |
| Net interest margin | 4.4309% | 688 |
| Noninterest income to average assets | 0.7378% | 1,976 |
| Noninterest expense to average assets | 3.8704% | 805 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5346% | 4,531 |
| Return on assets (ROA) | 0.5346% | 4,646 |
| Pretax return on assets | 0.5346% | 5,083 |
| Return on Equity (ROE) | 5.0923% | 4,486 |
| Retained earnings to average equity (ytd only) | 3.6331% | 3,824 |
| Net charge-offs to loans | 0.0515% | 2,265 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 15.5455% | 1,618 |
| Efficiency ratio | 87.8637% | 1,028 |
| Assets per employee ($millions) | 2.9552% | 5,724 |
| Cash dividends to net income (ytd only)* | 28.6550% | 2,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3780% | 3,026 |
| Loan loss allowance to noncurrent loans | 1,851.6667% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 5,746 |
| Noncurrent loans to loans | 0.0744% | 5,476 |
| Net loans and leases to total assets | 64.0598% | 3,081 |
| Net loans and leases to deposits | 72.8123% | 3,458 |
| Net loans and leases to core deposits | 76.8720% | 3,506 |
| Total domestic deposits to total assets | 87.9794% | 1,836 |
| Equity capital to assets | 10.8975% | 3,092 |
| Core capital (leverage) ratio | 9.8886% | 3,764 |
| Tier 1 risk-based capital ratio | 14.1564% | 3,909 |
| Total risk-based capital ratio | 14.1564% | 4,574 |
| Memoranda: | ||
| Average total assets | $127,945,500 | 4,029 |
| Average earning assets | $105,893,000 | 4,255 |
| Average equity | $13,432,000 | 4,165 |
| Average total loans | $85,477,500 | 3,762 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2735% | 460 |
| Cost of funding earning assets | 0.4435% | 3,235 |
| Net interest margin | 4.8300% | 409 |
| Noninterest income to average assets | 0.5987% | 2,863 |
| Noninterest expense to average assets | 3.8856% | 873 |
| Loan and lease loss provision to assets | 0.0411% | 3,755 |
| Net operating income to assets | 0.8454% | 3,136 |
| Return on assets (ROA) | 1.4005% | 1,112 |
| Pretax return on assets | 1.4005% | 1,885 |
| Return on Equity (ROE) | 13.5578% | 1,026 |
| Retained earnings to average equity (ytd only) | 10.7794% | 405 |
| Net charge-offs to loans | 0.0390% | 4,044 |
| Credit loss provision to net charge-offs | 147.0588% | 1,634 |
| Earnings coverage of net charge-offs (x) | 31.7059% | 1,279 |
| Efficiency ratio | 81.4234% | 1,720 |
| Assets per employee ($millions) | 2.9282% | 5,790 |
| Cash dividends to net income (ytd only)* | 20.4932% | 3,798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2432% | 3,752 |
| Loan loss allowance to noncurrent loans | 1,871.6667% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0455% | 5,857 |
| Noncurrent loans to loans | 0.0664% | 5,614 |
| Net loans and leases to total assets | 67.7008% | 2,604 |
| Net loans and leases to deposits | 81.9079% | 2,484 |
| Net loans and leases to core deposits | 87.1830% | 2,595 |
| Total domestic deposits to total assets | 82.6548% | 4,198 |
| Equity capital to assets | 10.1221% | 3,959 |
| Core capital (leverage) ratio | 9.8321% | 3,795 |
| Tier 1 risk-based capital ratio | 12.2123% | 5,218 |
| Total risk-based capital ratio | 13.2366% | 5,274 |
| Memoranda: | ||
| Average total assets | $121,603,600 | 4,148 |
| Average earning assets | $105,071,600 | 4,287 |
| Average equity | $12,561,000 | 4,268 |
| Average total loans | $87,107,600 | 3,698 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2423% | 479 |
| Cost of funding earning assets | 0.4454% | 3,305 |
| Net interest margin | 4.7969% | 431 |
| Noninterest income to average assets | 0.6226% | 2,731 |
| Noninterest expense to average assets | 3.9138% | 826 |
| Loan and lease loss provision to assets | 0.0560% | 3,253 |
| Net operating income to assets | 0.8376% | 3,242 |
| Return on assets (ROA) | 1.5935% | 794 |
| Pretax return on assets | 1.5935% | 1,341 |
| Return on Equity (ROE) | 15.3419% | 765 |
| Retained earnings to average equity (ytd only) | 12.6141% | 366 |
| Net charge-offs to loans | 0.0510% | 3,485 |
| Credit loss provision to net charge-offs | 151.5152% | 1,567 |
| Earnings coverage of net charge-offs (x) | 24.1811% | 1,555 |
| Efficiency ratio | 81.4116% | 1,686 |
| Assets per employee ($millions) | 2.6220% | 6,137 |
| Cash dividends to net income (ytd only)* | 17.7790% | 3,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 3,712 |
| Loan loss allowance to noncurrent loans | 1,873.3333% | 320 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 5,950 |
| Noncurrent loans to loans | 0.0687% | 5,746 |
| Net loans and leases to total assets | 73.0441% | 1,674 |
| Net loans and leases to deposits | 84.5970% | 2,075 |
| Net loans and leases to core deposits | 89.5614% | 2,266 |
| Total domestic deposits to total assets | 86.3436% | 2,676 |
| Equity capital to assets | 11.0620% | 2,891 |
| Core capital (leverage) ratio | 10.4618% | 3,086 |
| Tier 1 risk-based capital ratio | 13.1005% | 4,800 |
| Total risk-based capital ratio | 14.2650% | 4,782 |
| Memoranda: | ||
| Average total assets | $119,061,750 | 4,237 |
| Average earning assets | $103,870,250 | 4,353 |
| Average equity | $12,366,750 | 4,316 |
| Average total loans | $86,301,250 | 3,746 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2418% | 473 |
| Cost of funding earning assets | 0.4507% | 3,323 |
| Net interest margin | 4.7911% | 421 |
| Noninterest income to average assets | 0.6163% | 2,730 |
| Noninterest expense to average assets | 3.8570% | 900 |
| Loan and lease loss provision to assets | 0.0837% | 2,629 |
| Net operating income to assets | 0.8056% | 3,299 |
| Return on assets (ROA) | 1.9360% | 400 |
| Pretax return on assets | 1.9360% | 634 |
| Return on Equity (ROE) | 19.0471% | 359 |
| Retained earnings to average equity (ytd only) | 16.1801% | 166 |
| Net charge-offs to loans | 0.0558% | 3,162 |
| Credit loss provision to net charge-offs | 208.3333% | 1,122 |
| Earnings coverage of net charge-offs (x) | 22.1250% | 1,515 |
| Efficiency ratio | 81.2632% | 1,843 |
| Assets per employee ($millions) | 2.5997% | 6,206 |
| Cash dividends to net income (ytd only)* | 15.0519% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3467% | 3,603 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0157% | 6,190 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 72.5602% | 1,639 |
| Net loans and leases to deposits | 82.8820% | 2,153 |
| Net loans and leases to core deposits | 88.3296% | 2,277 |
| Total domestic deposits to total assets | 87.5464% | 2,173 |
| Equity capital to assets | 11.2174% | 2,684 |
| Core capital (leverage) ratio | 10.1753% | 3,377 |
| Tier 1 risk-based capital ratio | 13.6097% | 4,520 |
| Total risk-based capital ratio | 14.8603% | 4,454 |
| Memoranda: | ||
| Average total assets | $119,419,330 | 4,255 |
| Average earning assets | $102,941,000 | 4,390 |
| Average equity | $12,138,330 | 4,369 |
| Average total loans | $85,965,670 | 3,768 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1668% | 518 |
| Cost of funding earning assets | 0.4428% | 3,508 |
| Net interest margin | 4.7240% | 444 |
| Noninterest income to average assets | 0.6266% | 2,588 |
| Noninterest expense to average assets | 3.8053% | 975 |
| Loan and lease loss provision to assets | 0.0984% | 2,281 |
| Net operating income to assets | 0.7479% | 3,430 |
| Return on assets (ROA) | 0.7479% | 3,511 |
| Pretax return on assets | 0.7479% | 4,320 |
| Return on Equity (ROE) | 7.7341% | 3,071 |
| Retained earnings to average equity (ytd only) | 6.8182% | 2,139 |
| Net charge-offs to loans | 0.1197% | 2,008 |
| Credit loss provision to net charge-offs | 115.3846% | 1,494 |
| Earnings coverage of net charge-offs (x) | 9.9231% | 1,903 |
| Efficiency ratio | 81.8054% | 1,951 |
| Assets per employee ($millions) | 2.6594% | 6,244 |
| Cash dividends to net income (ytd only)* | 11.8421% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 4,003 |
| Loan loss allowance to noncurrent loans | 15,871.4286% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0209% | 6,243 |
| Noncurrent loans to loans | 0.0083% | 6,155 |
| Net loans and leases to total assets | 69.3166% | 2,010 |
| Net loans and leases to deposits | 77.9570% | 2,564 |
| Net loans and leases to core deposits | 83.1769% | 2,622 |
| Total domestic deposits to total assets | 88.9166% | 1,713 |
| Equity capital to assets | 9.9788% | 3,866 |
| Core capital (leverage) ratio | 9.2274% | 4,676 |
| Tier 1 risk-based capital ratio | 12.5474% | 5,285 |
| Total risk-based capital ratio | 13.7813% | 5,230 |
| Memoranda: | ||
| Average total assets | $121,936,500 | 4,232 |
| Average earning assets | $103,895,000 | 4,405 |
| Average equity | $11,792,000 | 4,450 |
| Average total loans | $86,883,000 | 3,774 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3012% | 525 |
| Cost of funding earning assets | 0.3693% | 4,964 |
| Net interest margin | 4.9320% | 339 |
| Noninterest income to average assets | 0.6656% | 2,731 |
| Noninterest expense to average assets | 3.6737% | 1,328 |
| Loan and lease loss provision to assets | 0.2219% | 1,643 |
| Net operating income to assets | 1.0501% | 2,121 |
| Return on assets (ROA) | 1.0936% | 2,028 |
| Pretax return on assets | 1.0936% | 2,970 |
| Return on Equity (ROE) | 11.5234% | 1,585 |
| Retained earnings to average equity (ytd only) | 6.2076% | 1,842 |
| Net charge-offs to loans | 0.1458% | 3,344 |
| Credit loss provision to net charge-offs | 221.3115% | 1,034 |
| Earnings coverage of net charge-offs (x) | 12.6885% | 2,101 |
| Efficiency ratio | 74.2814% | 3,087 |
| Assets per employee ($millions) | 2.5875% | 6,330 |
| Cash dividends to net income (ytd only)* | 46.1307% | 2,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2330% | 4,486 |
| Loan loss allowance to noncurrent loans | 929.4118% | 541 |
| Noncurrent assets plus other real estate owned to assets | 0.1973% | 5,708 |
| Noncurrent loans to loans | 0.1327% | 5,806 |
| Net loans and leases to total assets | 71.3331% | 1,787 |
| Net loans and leases to deposits | 82.8626% | 2,084 |
| Net loans and leases to core deposits | 82.8626% | 2,792 |
| Total domestic deposits to total assets | 86.0860% | 3,213 |
| Equity capital to assets | 9.3737% | 4,580 |
| Core capital (leverage) ratio | 8.7281% | 5,381 |
| Tier 1 risk-based capital ratio | 11.0178% | 6,165 |
| Total risk-based capital ratio | 11.9743% | 6,241 |
| Memoranda: | ||
| Average total assets | $121,702,600 | 4,244 |
| Average earning assets | $105,616,600 | 4,374 |
| Average equity | $11,550,400 | 4,536 |
| Average total loans | $83,675,000 | 3,837 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1867% | 668 |
| Cost of funding earning assets | 0.3466% | 5,327 |
| Net interest margin | 4.8401% | 399 |
| Noninterest income to average assets | 0.6838% | 2,715 |
| Noninterest expense to average assets | 3.5524% | 1,489 |
| Loan and lease loss provision to assets | 0.2753% | 1,265 |
| Net operating income to assets | 1.0692% | 2,122 |
| Return on assets (ROA) | 1.1078% | 2,049 |
| Pretax return on assets | 1.1078% | 3,084 |
| Return on Equity (ROE) | 11.6357% | 1,604 |
| Retained earnings to average equity (ytd only) | 5.6328% | 2,643 |
| Net charge-offs to loans | 0.0065% | 5,041 |
| Credit loss provision to net charge-offs | 6,250.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 305.4334% | 194 |
| Efficiency ratio | 72.5433% | 3,310 |
| Assets per employee ($millions) | 2.6282% | 6,352 |
| Cash dividends to net income (ytd only)* | 51.5902% | 1,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,307 |
| Loan loss allowance to noncurrent loans | 379.8107% | 1,128 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 4,695 |
| Noncurrent loans to loans | 0.3464% | 5,342 |
| Net loans and leases to total assets | 71.5835% | 1,666 |
| Net loans and leases to deposits | 90.9607% | 1,070 |
| Net loans and leases to core deposits | 93.5570% | 1,617 |
| Total domestic deposits to total assets | 78.6971% | 5,802 |
| Equity capital to assets | 9.0010% | 5,188 |
| Core capital (leverage) ratio | 8.8964% | 5,266 |
| Tier 1 risk-based capital ratio | 10.7345% | 6,385 |
| Total risk-based capital ratio | 11.8044% | 6,409 |
| Memoranda: | ||
| Average total assets | $121,078,500 | 4,300 |
| Average earning assets | $105,395,500 | 4,419 |
| Average equity | $11,527,500 | 4,586 |
| Average total loans | $82,168,500 | 3,904 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0713% | 816 |
| Cost of funding earning assets | 0.3318% | 5,551 |
| Net interest margin | 4.7395% | 472 |
| Noninterest income to average assets | 0.6768% | 2,758 |
| Noninterest expense to average assets | 3.5632% | 1,476 |
| Loan and lease loss provision to assets | 0.3015% | 1,195 |
| Net operating income to assets | 0.9281% | 2,670 |
| Return on assets (ROA) | 0.9281% | 2,809 |
| Pretax return on assets | 0.9281% | 3,792 |
| Return on Equity (ROE) | 9.5641% | 2,390 |
| Retained earnings to average equity (ytd only) | 3.6254% | 4,004 |
| Net charge-offs to loans | 0.0152% | 4,539 |
| Credit loss provision to net charge-offs | 3,000.0000% | 101 |
| Earnings coverage of net charge-offs (x) | 122.3333% | 397 |
| Efficiency ratio | 74.3446% | 3,068 |
| Assets per employee ($millions) | 2.4340% | 6,549 |
| Cash dividends to net income (ytd only)* | 62.0939% | 1,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3335% | 4,347 |
| Loan loss allowance to noncurrent loans | 335.9050% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.8561% | 4,105 |
| Noncurrent loans to loans | 0.3970% | 5,277 |
| Net loans and leases to total assets | 70.2284% | 1,846 |
| Net loans and leases to deposits | 87.1474% | 1,446 |
| Net loans and leases to core deposits | 88.1489% | 2,089 |
| Total domestic deposits to total assets | 80.5857% | 5,454 |
| Equity capital to assets | 9.4577% | 4,637 |
| Core capital (leverage) ratio | 9.0844% | 4,849 |
| Tier 1 risk-based capital ratio | 11.3769% | 6,167 |
| Total risk-based capital ratio | 12.4845% | 6,196 |
| Memoranda: | ||
| Average total assets | $119,387,330 | 4,364 |
| Average earning assets | $103,681,670 | 4,485 |
| Average equity | $11,585,000 | 4,613 |
| Average total loans | $79,055,330 | 4,009 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 977 |
| Cost of funding earning assets | 0.3341% | 5,682 |
| Net interest margin | 4.6151% | 549 |
| Noninterest income to average assets | 0.7133% | 2,523 |
| Noninterest expense to average assets | 3.5062% | 1,607 |
| Loan and lease loss provision to assets | 0.0670% | 3,517 |
| Net operating income to assets | 1.1185% | 1,788 |
| Return on assets (ROA) | 1.1185% | 1,898 |
| Pretax return on assets | 1.1185% | 2,889 |
| Return on Equity (ROE) | 11.3823% | 1,596 |
| Retained earnings to average equity (ytd only) | 7.9063% | 1,781 |
| Net charge-offs to loans | 0.0105% | 3,936 |
| Credit loss provision to net charge-offs | 1,000.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 177.0000% | 229 |
| Efficiency ratio | 74.7323% | 3,136 |
| Assets per employee ($millions) | 2.5134% | 6,571 |
| Cash dividends to net income (ytd only)* | 30.5389% | 2,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3373% | 4,528 |
| Loan loss allowance to noncurrent loans | 527.5676% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.7516% | 4,493 |
| Noncurrent loans to loans | 0.2535% | 5,779 |
| Net loans and leases to total assets | 62.2824% | 3,005 |
| Net loans and leases to deposits | 70.1767% | 3,452 |
| Net loans and leases to core deposits | 71.2474% | 3,923 |
| Total domestic deposits to total assets | 88.7508% | 1,831 |
| Equity capital to assets | 10.2035% | 3,901 |
| Core capital (leverage) ratio | 8.9404% | 4,983 |
| Tier 1 risk-based capital ratio | 12.7094% | 5,425 |
| Total risk-based capital ratio | 13.7250% | 5,543 |
| Memoranda: | ||
| Average total assets | $119,447,000 | 4,407 |
| Average earning assets | $102,966,000 | 4,541 |
| Average equity | $11,737,500 | 4,624 |
| Average total loans | $76,137,000 | 4,130 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0145% | 1,521 |
| Cost of funding earning assets | 0.3607% | 6,157 |
| Net interest margin | 4.6538% | 711 |
| Noninterest income to average assets | 0.7912% | 2,301 |
| Noninterest expense to average assets | 3.9988% | 977 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9044% | 2,791 |
| Return on assets (ROA) | 0.9116% | 2,998 |
| Pretax return on assets | 0.9116% | 3,883 |
| Return on Equity (ROE) | 8.7780% | 2,748 |
| Retained earnings to average equity (ytd only) | 4.8467% | 2,814 |
| Net charge-offs to loans | 0.0712% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 21.2553% | 1,311 |
| Efficiency ratio | 81.5547% | 1,934 |
| Assets per employee ($millions) | 2.5683% | 6,561 |
| Cash dividends to net income (ytd only)* | 44.7865% | 2,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2082% | 5,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5548% | 5,092 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 63.5406% | 2,971 |
| Net loans and leases to deposits | 71.4373% | 3,505 |
| Net loans and leases to core deposits | 72.4556% | 3,987 |
| Total domestic deposits to total assets | 88.9460% | 1,599 |
| Equity capital to assets | 9.4730% | 4,905 |
| Core capital (leverage) ratio | 8.9630% | 4,959 |
| Tier 1 risk-based capital ratio | 11.6668% | 5,982 |
| Total risk-based capital ratio | 12.6303% | 6,143 |
| Memoranda: | ||
| Average total assets | $110,459,400 | 4,580 |
| Average earning assets | $97,597,800 | 4,653 |
| Average equity | $11,471,800 | 4,676 |
| Average total loans | $66,005,000 | 4,503 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9321% | 1,893 |
| Cost of funding earning assets | 0.3691% | 6,283 |
| Net interest margin | 4.5630% | 880 |
| Noninterest income to average assets | 0.8354% | 2,092 |
| Noninterest expense to average assets | 4.1097% | 815 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7832% | 3,537 |
| Return on assets (ROA) | 0.7931% | 3,727 |
| Pretax return on assets | 0.7931% | 4,512 |
| Return on Equity (ROE) | 7.4486% | 3,558 |
| Retained earnings to average equity (ytd only) | 5.1019% | 3,293 |
| Net charge-offs to loans | 0.1042% | 4,352 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 12.8575% | 1,963 |
| Efficiency ratio | 83.9939% | 1,588 |
| Assets per employee ($millions) | 2.2318% | 6,904 |
| Cash dividends to net income (ytd only)* | 31.5041% | 2,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 4,561 |
| Loan loss allowance to noncurrent loans | 240.2010% | 1,500 |
| Noncurrent assets plus other real estate owned to assets | 0.7244% | 4,874 |
| Noncurrent loans to loans | 0.5635% | 5,314 |
| Net loans and leases to total assets | 65.0356% | 2,829 |
| Net loans and leases to deposits | 73.9557% | 3,288 |
| Net loans and leases to core deposits | 75.1832% | 3,826 |
| Total domestic deposits to total assets | 87.9385% | 2,079 |
| Equity capital to assets | 10.8769% | 3,408 |
| Core capital (leverage) ratio | 9.5861% | 4,135 |
| Tier 1 risk-based capital ratio | 12.7088% | 5,469 |
| Total risk-based capital ratio | 13.8589% | 5,517 |
| Memoranda: | ||
| Average total assets | $107,255,000 | 4,700 |
| Average earning assets | $95,373,250 | 4,755 |
| Average equity | $11,420,250 | 4,727 |
| Average total loans | $62,684,000 | 4,652 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7734% | 2,618 |
| Cost of funding earning assets | 0.3793% | 6,382 |
| Net interest margin | 4.3941% | 1,214 |
| Noninterest income to average assets | 0.9208% | 1,709 |
| Noninterest expense to average assets | 4.1790% | 750 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6505% | 4,109 |
| Return on assets (ROA) | 0.6654% | 4,297 |
| Pretax return on assets | 0.6654% | 4,924 |
| Return on Equity (ROE) | 6.2946% | 4,161 |
| Retained earnings to average equity (ytd only) | 4.9899% | 3,286 |
| Net charge-offs to loans | 0.0033% | 5,472 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 349.0000% | 118 |
| Efficiency ratio | 86.5303% | 1,379 |
| Assets per employee ($millions) | 2.1649% | 6,991 |
| Cash dividends to net income (ytd only)* | 20.7283% | 2,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6035% | 3,592 |
| Loan loss allowance to noncurrent loans | 717.8571% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.5922% | 5,289 |
| Noncurrent loans to loans | 0.2234% | 6,132 |
| Net loans and leases to total assets | 56.9716% | 4,333 |
| Net loans and leases to deposits | 64.5138% | 4,692 |
| Net loans and leases to core deposits | 65.0280% | 5,105 |
| Total domestic deposits to total assets | 88.3091% | 1,952 |
| Equity capital to assets | 10.6386% | 3,528 |
| Core capital (leverage) ratio | 9.4768% | 4,168 |
| Tier 1 risk-based capital ratio | 13.8195% | 4,583 |
| Total risk-based capital ratio | 15.0714% | 4,556 |
| Memoranda: | ||
| Average total assets | $107,298,000 | 4,736 |
| Average earning assets | $95,446,000 | 4,784 |
| Average equity | $11,343,000 | 4,743 |
| Average total loans | $60,036,670 | 4,790 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8511% | 2,438 |
| Cost of funding earning assets | 0.4018% | 6,404 |
| Net interest margin | 4.4493% | 1,112 |
| Noninterest income to average assets | 1.2319% | 938 |
| Noninterest expense to average assets | 4.3923% | 600 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7789% | 3,482 |
| Return on assets (ROA) | 0.7789% | 3,722 |
| Pretax return on assets | 0.7789% | 4,496 |
| Return on Equity (ROE) | 7.3913% | 3,563 |
| Retained earnings to average equity (ytd only) | 4.7972% | 3,676 |
| Net charge-offs to loans | 0.9605% | 1,078 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.4752% | 3,588 |
| Efficiency ratio | 84.9385% | 1,587 |
| Assets per employee ($millions) | 1.9229% | 7,144 |
| Cash dividends to net income (ytd only)* | 35.0962% | 1,919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5785% | 3,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3272% | 6,064 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 50.9370% | 5,170 |
| Net loans and leases to deposits | 57.6600% | 5,424 |
| Net loans and leases to core deposits | 58.1297% | 5,704 |
| Total domestic deposits to total assets | 88.3404% | 2,100 |
| Equity capital to assets | 10.6772% | 3,293 |
| Core capital (leverage) ratio | 9.2181% | 4,484 |
| Tier 1 risk-based capital ratio | 15.0662% | 3,712 |
| Total risk-based capital ratio | 16.3177% | 3,672 |
| Memoranda: | ||
| Average total assets | $106,823,500 | 4,776 |
| Average earning assets | $94,576,000 | 4,830 |
| Average equity | $11,256,500 | 4,776 |
| Average total loans | $58,717,500 | 4,868 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 2,756 |
| Cost of funding earning assets | 0.5330% | 6,411 |
| Net interest margin | 4.4975% | 1,140 |
| Noninterest income to average assets | 1.2676% | 807 |
| Noninterest expense to average assets | 4.4409% | 616 |
| Loan and lease loss provision to assets | 0.1201% | 5,100 |
| Net operating income to assets | 0.6804% | 3,576 |
| Return on assets (ROA) | 0.6804% | 3,770 |
| Pretax return on assets | 0.6804% | 4,405 |
| Return on Equity (ROE) | 6.6584% | 3,560 |
| Retained earnings to average equity (ytd only) | 5.7179% | 2,164 |
| Net charge-offs to loans | -0.0309% | 7,004 |
| Credit loss provision to net charge-offs | -694.4444% | 6,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7268% | 1,688 |
| Assets per employee ($millions) | 1.9979% | 7,163 |
| Cash dividends to net income (ytd only)* | 14.1243% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6028% | 3,573 |
| Loan loss allowance to noncurrent loans | 406.8826% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.5496% | 5,595 |
| Noncurrent loans to loans | 0.3939% | 5,926 |
| Net loans and leases to total assets | 57.1847% | 4,518 |
| Net loans and leases to deposits | 64.4351% | 4,951 |
| Net loans and leases to core deposits | 64.9473% | 5,368 |
| Total domestic deposits to total assets | 88.7477% | 1,689 |
| Equity capital to assets | 10.4005% | 3,652 |
| Core capital (leverage) ratio | 9.4668% | 4,083 |
| Tier 1 risk-based capital ratio | 13.3904% | 4,781 |
| Total risk-based capital ratio | 14.6468% | 4,745 |
| Memoranda: | ||
| Average total assets | $104,054,400 | 4,791 |
| Average earning assets | $91,939,800 | 4,858 |
| Average equity | $10,633,200 | 4,879 |
| Average total loans | $58,320,600 | 4,931 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0271% | 2,955 |
| Cost of funding earning assets | 0.5679% | 6,437 |
| Net interest margin | 4.4593% | 1,248 |
| Noninterest income to average assets | 1.2971% | 774 |
| Noninterest expense to average assets | 4.4825% | 586 |
| Loan and lease loss provision to assets | 0.1617% | 4,448 |
| Net operating income to assets | 0.5833% | 4,161 |
| Return on assets (ROA) | 0.5833% | 4,345 |
| Pretax return on assets | 0.5833% | 4,870 |
| Return on Equity (ROE) | 5.7344% | 4,151 |
| Retained earnings to average equity (ytd only) | 5.7344% | 2,714 |
| Net charge-offs to loans | -0.0349% | 6,990 |
| Credit loss provision to net charge-offs | -833.3333% | 6,742 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7496% | 1,561 |
| Assets per employee ($millions) | 1.8998% | 7,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 3,532 |
| Loan loss allowance to noncurrent loans | 390.2724% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.5919% | 5,634 |
| Noncurrent loans to loans | 0.4174% | 6,005 |
| Net loans and leases to total assets | 60.1512% | 4,101 |
| Net loans and leases to deposits | 70.9591% | 4,148 |
| Net loans and leases to core deposits | 71.5915% | 4,762 |
| Total domestic deposits to total assets | 84.7688% | 3,884 |
| Equity capital to assets | 11.0291% | 3,115 |
| Core capital (leverage) ratio | 9.6656% | 3,893 |
| Tier 1 risk-based capital ratio | 13.4145% | 4,797 |
| Total risk-based capital ratio | 14.6716% | 4,764 |
| Memoranda: | ||
| Average total assets | $103,095,750 | 4,841 |
| Average earning assets | $90,864,750 | 4,928 |
| Average equity | $10,486,250 | 4,924 |
| Average total loans | $57,225,500 | 5,024 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9041% | 3,599 |
| Cost of funding earning assets | 0.5999% | 6,469 |
| Net interest margin | 4.3042% | 1,637 |
| Noninterest income to average assets | 1.3744% | 673 |
| Noninterest expense to average assets | 4.4139% | 658 |
| Loan and lease loss provision to assets | 0.2406% | 3,503 |
| Net operating income to assets | 0.5178% | 4,425 |
| Return on assets (ROA) | 0.5178% | 4,567 |
| Pretax return on assets | 0.5178% | 5,000 |
| Return on Equity (ROE) | 5.2335% | 4,346 |
| Retained earnings to average equity (ytd only) | 5.2335% | 2,853 |
| Net charge-offs to loans | -0.0394% | 6,989 |
| Credit loss provision to net charge-offs | -1,136.3636% | 6,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3368% | 1,668 |
| Assets per employee ($millions) | 1.7594% | 7,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7732% | 3,081 |
| Loan loss allowance to noncurrent loans | 373.7828% | 857 |
| Noncurrent assets plus other real estate owned to assets | 1.0251% | 4,831 |
| Noncurrent loans to loans | 0.4744% | 5,957 |
| Net loans and leases to total assets | 56.1095% | 4,978 |
| Net loans and leases to deposits | 63.7753% | 5,304 |
| Net loans and leases to core deposits | 64.1104% | 5,712 |
| Total domestic deposits to total assets | 87.9799% | 2,149 |
| Equity capital to assets | 10.8478% | 3,132 |
| Core capital (leverage) ratio | 8.8698% | 4,931 |
| Tier 1 risk-based capital ratio | 13.8186% | 4,293 |
| Total risk-based capital ratio | 15.0712% | 4,263 |
| Memoranda: | ||
| Average total assets | $103,898,330 | 4,858 |
| Average earning assets | $91,678,330 | 4,944 |
| Average equity | $10,280,000 | 4,977 |
| Average total loans | $55,778,000 | 5,136 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8921% | 3,630 |
| Cost of funding earning assets | 0.6158% | 6,545 |
| Net interest margin | 4.2764% | 1,639 |
| Noninterest income to average assets | 1.5762% | 529 |
| Noninterest expense to average assets | 4.2408% | 783 |
| Loan and lease loss provision to assets | 0.4691% | 1,873 |
| Net operating income to assets | 0.6455% | 3,772 |
| Return on assets (ROA) | 0.6455% | 3,851 |
| Pretax return on assets | 0.6455% | 4,507 |
| Return on Equity (ROE) | 6.8281% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.8281% | 2,226 |
| Net charge-offs to loans | -0.1081% | 7,111 |
| Credit loss provision to net charge-offs | -833.3333% | 6,074 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1871% | 2,665 |
| Assets per employee ($millions) | 2.0263% | 7,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9366% | 2,573 |
| Loan loss allowance to noncurrent loans | 316.0883% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.9157% | 5,066 |
| Noncurrent loans to loans | 0.6127% | 5,810 |
| Net loans and leases to total assets | 46.3686% | 6,251 |
| Net loans and leases to deposits | 51.7445% | 6,493 |
| Net loans and leases to core deposits | 51.7445% | 6,694 |
| Total domestic deposits to total assets | 89.6108% | 1,419 |
| Equity capital to assets | 9.3748% | 4,615 |
| Core capital (leverage) ratio | 8.3183% | 5,779 |
| Tier 1 risk-based capital ratio | 15.0404% | 3,403 |
| Total risk-based capital ratio | 16.2939% | 3,361 |
| Memoranda: | ||
| Average total assets | $106,584,000 | 4,820 |
| Average earning assets | $94,192,000 | 4,908 |
| Average equity | $10,076,000 | 5,028 |
| Average total loans | $55,526,500 | 5,194 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0870% | 4,152 |
| Cost of funding earning assets | 0.8741% | 6,275 |
| Net interest margin | 4.2129% | 2,134 |
| Noninterest income to average assets | 1.5133% | 634 |
| Noninterest expense to average assets | 4.5038% | 649 |
| Loan and lease loss provision to assets | 0.7738% | 2,120 |
| Net operating income to assets | -0.0306% | 5,895 |
| Return on assets (ROA) | 0.0602% | 5,824 |
| Pretax return on assets | 0.0602% | 5,783 |
| Return on Equity (ROE) | 0.7137% | 5,777 |
| Retained earnings to average equity (ytd only) | 0.7137% | 5,204 |
| Net charge-offs to loans | 0.8696% | 2,454 |
| Credit loss provision to net charge-offs | 144.7140% | 2,562 |
| Earnings coverage of net charge-offs (x) | 1.3899% | 4,721 |
| Efficiency ratio | 85.7118% | 1,724 |
| Assets per employee ($millions) | 1.7291% | 7,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4533% | 4,266 |
| Loan loss allowance to noncurrent loans | 525.6098% | 616 |
| Noncurrent assets plus other real estate owned to assets | 1.8227% | 3,601 |
| Noncurrent loans to loans | 0.2765% | 6,511 |
| Net loans and leases to total assets | 56.3409% | 5,287 |
| Net loans and leases to deposits | 62.9986% | 5,742 |
| Net loans and leases to core deposits | 63.5818% | 6,090 |
| Total domestic deposits to total assets | 89.4320% | 1,419 |
| Equity capital to assets | 9.5367% | 4,354 |
| Core capital (leverage) ratio | 8.7376% | 4,960 |
| Tier 1 risk-based capital ratio | 12.7140% | 4,850 |
| Total risk-based capital ratio | 13.9098% | 4,865 |
| Memoranda: | ||
| Average total assets | $107,909,000 | 4,775 |
| Average earning assets | $95,635,800 | 4,842 |
| Average equity | $9,107,600 | 5,391 |
| Average total loans | $66,354,800 | 4,811 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 4,985 |
| Cost of funding earning assets | 0.9168% | 6,325 |
| Net interest margin | 4.0454% | 2,881 |
| Noninterest income to average assets | 1.5554% | 578 |
| Noninterest expense to average assets | 5.0579% | 362 |
| Loan and lease loss provision to assets | 0.7220% | 2,117 |
| Net operating income to assets | -0.6119% | 6,671 |
| Return on assets (ROA) | -0.4907% | 6,630 |
| Pretax return on assets | -0.4907% | 6,546 |
| Return on Equity (ROE) | -5.9999% | 6,715 |
| Retained earnings to average equity (ytd only) | -5.9999% | 6,630 |
| Net charge-offs to loans | 0.8828% | 2,237 |
| Credit loss provision to net charge-offs | 130.8204% | 3,088 |
| Earnings coverage of net charge-offs (x) | 0.1996% | 5,813 |
| Efficiency ratio | 97.7031% | 829 |
| Assets per employee ($millions) | 1.7693% | 7,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 6,045 |
| Loan loss allowance to noncurrent loans | 27.0211% | 6,518 |
| Noncurrent assets plus other real estate owned to assets | 2.9305% | 2,478 |
| Noncurrent loans to loans | 3.9771% | 1,889 |
| Net loans and leases to total assets | 64.3418% | 4,056 |
| Net loans and leases to deposits | 78.8584% | 3,660 |
| Net loans and leases to core deposits | 78.8584% | 4,689 |
| Total domestic deposits to total assets | 81.5916% | 5,162 |
| Equity capital to assets | 8.4958% | 6,279 |
| Core capital (leverage) ratio | 7.0223% | 7,152 |
| Tier 1 risk-based capital ratio | 9.5263% | 7,251 |
| Total risk-based capital ratio | 10.4689% | 7,333 |
| Memoranda: | ||
| Average total assets | $108,949,500 | 4,803 |
| Average earning assets | $97,293,750 | 4,857 |
| Average equity | $8,911,000 | 5,517 |
| Average total loans | $68,115,000 | 4,827 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7764% | 5,876 |
| Cost of funding earning assets | 0.9308% | 6,462 |
| Net interest margin | 3.8456% | 3,688 |
| Noninterest income to average assets | 1.6017% | 508 |
| Noninterest expense to average assets | 4.9636% | 386 |
| Loan and lease loss provision to assets | 0.8373% | 1,735 |
| Net operating income to assets | -0.7627% | 6,841 |
| Return on assets (ROA) | -0.7627% | 6,857 |
| Pretax return on assets | -0.7627% | 6,762 |
| Return on Equity (ROE) | -9.4423% | 6,950 |
| Retained earnings to average equity (ytd only) | -9.4423% | 6,893 |
| Net charge-offs to loans | 1.1209% | 1,693 |
| Credit loss provision to net charge-offs | 121.0526% | 3,346 |
| Earnings coverage of net charge-offs (x) | 0.1079% | 5,617 |
| Efficiency ratio | 98.5188% | 858 |
| Assets per employee ($millions) | 1.8666% | 7,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9787% | 6,491 |
| Loan loss allowance to noncurrent loans | 223.5294% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 0.5412% | 6,117 |
| Noncurrent loans to loans | 0.4378% | 6,369 |
| Net loans and leases to total assets | 62.8402% | 4,510 |
| Net loans and leases to deposits | 72.8095% | 4,873 |
| Net loans and leases to core deposits | 73.7830% | 5,470 |
| Total domestic deposits to total assets | 86.3076% | 2,926 |
| Equity capital to assets | 7.8464% | 6,891 |
| Core capital (leverage) ratio | 6.9418% | 7,223 |
| Tier 1 risk-based capital ratio | 9.0403% | 7,404 |
| Total risk-based capital ratio | 9.8668% | 7,483 |
| Memoranda: | ||
| Average total assets | $109,880,000 | 4,805 |
| Average earning assets | $98,191,330 | 4,868 |
| Average equity | $8,875,000 | 5,540 |
| Average total loans | $67,804,670 | 4,872 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7922% | 5,915 |
| Cost of funding earning assets | 0.9584% | 6,546 |
| Net interest margin | 3.8338% | 3,652 |
| Noninterest income to average assets | 1.4979% | 533 |
| Noninterest expense to average assets | 4.7669% | 453 |
| Loan and lease loss provision to assets | 0.1093% | 5,529 |
| Net operating income to assets | 0.0620% | 6,125 |
| Return on assets (ROA) | 0.0620% | 6,234 |
| Pretax return on assets | 0.0620% | 6,225 |
| Return on Equity (ROE) | 0.7562% | 6,194 |
| Retained earnings to average equity (ytd only) | 0.7562% | 5,521 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5314% | 995 |
| Assets per employee ($millions) | 1.8786% | 7,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 6,567 |
| Loan loss allowance to noncurrent loans | 386.5854% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1505% | 7,104 |
| Noncurrent loans to loans | 0.2530% | 6,833 |
| Net loans and leases to total assets | 58.9073% | 5,296 |
| Net loans and leases to deposits | 65.1796% | 5,915 |
| Net loans and leases to core deposits | 65.5450% | 6,326 |
| Total domestic deposits to total assets | 90.3768% | 789 |
| Equity capital to assets | 8.2905% | 6,316 |
| Core capital (leverage) ratio | 7.0903% | 7,183 |
| Tier 1 risk-based capital ratio | 11.4078% | 5,756 |
| Total risk-based capital ratio | 12.3213% | 6,063 |
| Memoranda: | ||
| Average total assets | $109,756,500 | 4,877 |
| Average earning assets | $98,492,500 | 4,919 |
| Average equity | $8,992,000 | 5,550 |
| Average total loans | $66,763,000 | 4,979 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3877% | 4,751 |
| Cost of funding earning assets | 1.3688% | 6,060 |
| Net interest margin | 4.0188% | 2,792 |
| Noninterest income to average assets | 1.6454% | 533 |
| Noninterest expense to average assets | 4.9642% | 530 |
| Loan and lease loss provision to assets | 0.1127% | 6,512 |
| Net operating income to assets | 0.0535% | 5,325 |
| Return on assets (ROA) | 0.0967% | 5,263 |
| Pretax return on assets | 0.0967% | 5,228 |
| Return on Equity (ROE) | 1.1602% | 5,185 |
| Retained earnings to average equity (ytd only) | -1.0926% | 5,281 |
| Net charge-offs to loans | -0.0031% | 7,706 |
| Credit loss provision to net charge-offs | -6,000.0000% | 7,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7600% | 1,283 |
| Assets per employee ($millions) | 1.8738% | 7,796 |
| Cash dividends to net income (ytd only)* | 194.1748% | 202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 6,897 |
| 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 | 61.6026% | 5,080 |
| Net loans and leases to deposits | 67.9036% | 5,844 |
| Net loans and leases to core deposits | 82.7453% | 5,845 |
| Total domestic deposits to total assets | 90.7206% | 655 |
| Equity capital to assets | 8.0963% | 6,467 |
| Core capital (leverage) ratio | 7.2874% | 6,997 |
| Tier 1 risk-based capital ratio | 10.6427% | 6,256 |
| Total risk-based capital ratio | 11.4564% | 6,647 |
| Memoranda: | ||
| Average total assets | $106,481,400 | 4,915 |
| Average earning assets | $92,340,400 | 5,050 |
| Average equity | $8,877,800 | 5,644 |
| Average total loans | $65,066,400 | 5,064 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4229% | 4,836 |
| Cost of funding earning assets | 1.4588% | 6,005 |
| Net interest margin | 3.9642% | 2,975 |
| Noninterest income to average assets | 1.6688% | 528 |
| Noninterest expense to average assets | 5.0999% | 455 |
| Loan and lease loss provision to assets | 0.0506% | 6,867 |
| Net operating income to assets | -0.0771% | 5,855 |
| Return on assets (ROA) | -0.0265% | 5,820 |
| Pretax return on assets | -0.0265% | 5,749 |
| Return on Equity (ROE) | -0.3160% | 5,829 |
| Retained earnings to average equity (ytd only) | -0.3160% | 5,292 |
| Net charge-offs to loans | -0.0042% | 7,617 |
| Credit loss provision to net charge-offs | -2,000.0000% | 7,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5233% | 1,036 |
| Assets per employee ($millions) | 1.7611% | 7,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7801% | 7,183 |
| Loan loss allowance to noncurrent loans | 655.0000% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 7,362 |
| Noncurrent loans to loans | 0.1191% | 7,177 |
| Net loans and leases to total assets | 64.1403% | 4,836 |
| Net loans and leases to deposits | 72.0315% | 5,642 |
| Net loans and leases to core deposits | 90.9941% | 5,333 |
| Total domestic deposits to total assets | 89.0448% | 1,173 |
| Equity capital to assets | 8.8109% | 5,770 |
| Core capital (leverage) ratio | 7.6108% | 6,846 |
| Tier 1 risk-based capital ratio | 10.5887% | 6,360 |
| Total risk-based capital ratio | 11.2843% | 6,897 |
| Memoranda: | ||
| Average total assets | $105,462,500 | 4,973 |
| Average earning assets | $90,576,000 | 5,144 |
| Average equity | $8,859,500 | 5,701 |
| Average total loans | $64,155,750 | 5,131 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2860% | 5,720 |
| Cost of funding earning assets | 1.5573% | 5,899 |
| Net interest margin | 3.7287% | 3,841 |
| Noninterest income to average assets | 1.5946% | 590 |
| Noninterest expense to average assets | 5.0745% | 489 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.3170% | 6,343 |
| Return on assets (ROA) | -0.3170% | 6,360 |
| Pretax return on assets | -0.3170% | 6,251 |
| Return on Equity (ROE) | -3.8352% | 6,457 |
| Retained earnings to average equity (ytd only) | -3.8352% | 6,103 |
| Net charge-offs to loans | -0.0063% | 7,556 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.6640% | 951 |
| Assets per employee ($millions) | 1.7710% | 7,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7159% | 7,382 |
| Loan loss allowance to noncurrent loans | 620.5128% | 543 |
| Noncurrent assets plus other real estate owned to assets | 0.0734% | 7,400 |
| Noncurrent loans to loans | 0.1154% | 7,233 |
| Net loans and leases to total assets | 63.1698% | 5,151 |
| Net loans and leases to deposits | 69.8652% | 6,001 |
| Net loans and leases to core deposits | 93.2044% | 5,216 |
| Total domestic deposits to total assets | 90.4167% | 663 |
| Equity capital to assets | 8.1810% | 6,520 |
| Core capital (leverage) ratio | 7.1493% | 7,408 |
| Tier 1 risk-based capital ratio | 10.5559% | 6,327 |
| Total risk-based capital ratio | 11.2056% | 6,910 |
| Memoranda: | ||
| Average total assets | $105,981,670 | 4,990 |
| Average earning assets | $89,898,330 | 5,204 |
| Average equity | $8,761,000 | 5,758 |
| Average total loans | $63,151,330 | 5,201 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4146% | 5,344 |
| Cost of funding earning assets | 1.7695% | 5,263 |
| Net interest margin | 3.6452% | 4,121 |
| Noninterest income to average assets | 1.2547% | 911 |
| Noninterest expense to average assets | 4.7542% | 571 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5177% | 6,893 |
| Return on assets (ROA) | -0.5177% | 6,944 |
| Pretax return on assets | -0.5177% | 6,831 |
| Return on Equity (ROE) | -6.2308% | 7,083 |
| Retained earnings to average equity (ytd only) | -6.2308% | 6,715 |
| Net charge-offs to loans | -0.0131% | 7,341 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.2212% | 766 |
| Assets per employee ($millions) | 1.8828% | 7,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7966% | 7,168 |
| Loan loss allowance to noncurrent loans | 60.1990% | 4,586 |
| Noncurrent assets plus other real estate owned to assets | 0.7238% | 5,348 |
| Noncurrent loans to loans | 1.3232% | 4,332 |
| Net loans and leases to total assets | 54.2616% | 6,438 |
| Net loans and leases to deposits | 59.7336% | 6,914 |
| Net loans and leases to core deposits | 79.7133% | 6,403 |
| Total domestic deposits to total assets | 90.8394% | 466 |
| Equity capital to assets | 7.9885% | 6,828 |
| Core capital (leverage) ratio | 7.1291% | 7,536 |
| Tier 1 risk-based capital ratio | 11.5259% | 5,391 |
| Total risk-based capital ratio | 12.2326% | 5,817 |
| Memoranda: | ||
| Average total assets | $105,843,500 | 5,010 |
| Average earning assets | $86,580,500 | 5,331 |
| Average equity | $8,795,000 | 5,776 |
| Average total loans | $60,923,500 | 5,324 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3349% | 3,763 |
| Cost of funding earning assets | 2.3649% | 4,872 |
| Net interest margin | 3.9701% | 3,272 |
| Noninterest income to average assets | 1.6716% | 492 |
| Noninterest expense to average assets | 5.1921% | 576 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.0665% | 6,466 |
| Return on assets (ROA) | 0.0252% | 6,151 |
| Pretax return on assets | 0.0252% | 6,104 |
| Return on Equity (ROE) | 0.2931% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.2931% | 5,066 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2974% | 933 |
| Assets per employee ($millions) | 1.7345% | 8,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7890% | 7,146 |
| Loan loss allowance to noncurrent loans | 831.0345% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0577% | 7,340 |
| Noncurrent loans to loans | 0.0949% | 7,134 |
| Net loans and leases to total assets | 60.2417% | 5,878 |
| Net loans and leases to deposits | 66.8848% | 6,575 |
| Net loans and leases to core deposits | 87.1187% | 6,051 |
| Total domestic deposits to total assets | 90.0679% | 624 |
| Equity capital to assets | 8.6638% | 5,857 |
| Core capital (leverage) ratio | 8.0801% | 6,357 |
| Tier 1 risk-based capital ratio | 10.7639% | 5,943 |
| Total risk-based capital ratio | 11.4126% | 6,421 |
| Memoranda: | ||
| Average total assets | $99,246,000 | 5,075 |
| Average earning assets | $86,346,400 | 5,218 |
| Average equity | $8,529,000 | 5,897 |
| Average total loans | $62,988,400 | 5,145 |