Home > SNB Interim Bank > Performance and Condition Ratios
SNB Interim Bank, Performance and Condition Ratios
| 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 | 3.2922% | 5,470 |
| Cost of funding earning assets | 0.2861% | 4,597 |
| Net interest margin | 3.0060% | 5,201 |
| Noninterest income to average assets | 0.0983% | 6,096 |
| Noninterest expense to average assets | 1.2845% | 6,290 |
| Loan and lease loss provision to assets | -0.4030% | 6,336 |
| Net operating income to assets | 1.7111% | 576 |
| Return on assets (ROA) | 1.2550% | 1,477 |
| Pretax return on assets | 1.5729% | 1,339 |
| Return on Equity (ROE) | 6.1210% | 3,970 |
| Retained earnings to average equity (ytd only) | 6.1210% | 2,419 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.4702% | 6,219 |
| Assets per employee ($millions) | 8.8301% | 382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6933% | 153 |
| Loan loss allowance to noncurrent loans | 2,105.2632% | 292 |
| Noncurrent assets plus other real estate owned to assets | 0.0461% | 5,755 |
| Noncurrent loans to loans | 0.1754% | 5,149 |
| Net loans and leases to total assets | 25.3118% | 6,187 |
| Net loans and leases to deposits | 32.1748% | 6,158 |
| Net loans and leases to core deposits | 33.2413% | 6,158 |
| Total domestic deposits to total assets | 78.6697% | 5,324 |
| Equity capital to assets | 20.5708% | 204 |
| Core capital (leverage) ratio | 19.6794% | 221 |
| Tier 1 risk-based capital ratio | 30.8535% | 501 |
| Total risk-based capital ratio | 32.1064% | 498 |
| Memoranda: | ||
| Average total assets | $122,071,000 | 4,143 |
| Average earning assets | $118,828,000 | 4,000 |
| Average equity | $25,028,500 | 2,746 |
| Average total loans | $31,207,000 | 5,464 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2281% | 5,799 |
| Cost of funding earning assets | 0.3133% | 4,646 |
| Net interest margin | 2.9148% | 5,611 |
| Noninterest income to average assets | 0.0923% | 6,184 |
| Noninterest expense to average assets | 1.3950% | 6,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2337% | 1,483 |
| Return on assets (ROA) | 1.2298% | 1,550 |
| Pretax return on assets | 1.5318% | 1,436 |
| Return on Equity (ROE) | 6.3148% | 3,994 |
| Retained earnings to average equity (ytd only) | 6.3148% | 1,749 |
| Net charge-offs to loans | -0.4546% | 6,384 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5835% | 6,202 |
| Assets per employee ($millions) | 8.6086% | 415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4213% | 100 |
| Loan loss allowance to noncurrent loans | 2,321.0526% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0473% | 5,843 |
| Noncurrent loans to loans | 0.1905% | 5,142 |
| Net loans and leases to total assets | 23.7305% | 6,319 |
| Net loans and leases to deposits | 30.0155% | 6,297 |
| Net loans and leases to core deposits | 31.0306% | 6,293 |
| Total domestic deposits to total assets | 79.0607% | 5,238 |
| Equity capital to assets | 20.4340% | 211 |
| Core capital (leverage) ratio | 19.5893% | 225 |
| Tier 1 risk-based capital ratio | 31.4181% | 460 |
| Total risk-based capital ratio | 32.6748% | 449 |
| Memoranda: | ||
| Average total assets | $123,513,600 | 4,112 |
| Average earning assets | $120,318,200 | 3,958 |
| Average equity | $24,054,600 | 2,753 |
| Average total loans | $27,054,600 | 5,694 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1209% | 6,004 |
| Cost of funding earning assets | 0.3170% | 4,703 |
| Net interest margin | 2.8039% | 5,864 |
| Noninterest income to average assets | 0.0891% | 6,283 |
| Noninterest expense to average assets | 1.3219% | 6,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.2069% | 1,661 |
| Return on assets (ROA) | 1.2017% | 1,744 |
| Pretax return on assets | 1.4936% | 1,664 |
| Return on Equity (ROE) | 6.2451% | 4,107 |
| Retained earnings to average equity (ytd only) | 6.2451% | 2,255 |
| Net charge-offs to loans | -0.0253% | 5,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8441% | 6,250 |
| Assets per employee ($millions) | 8.6331% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6357% | 99 |
| Loan loss allowance to noncurrent loans | 2,077.5862% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 5,968 |
| Noncurrent loans to loans | 0.2231% | 5,228 |
| Net loans and leases to total assets | 20.5098% | 6,443 |
| Net loans and leases to deposits | 26.0298% | 6,426 |
| Net loans and leases to core deposits | 26.8401% | 6,425 |
| Total domestic deposits to total assets | 78.7935% | 5,373 |
| Equity capital to assets | 20.3468% | 215 |
| Core capital (leverage) ratio | 18.9627% | 255 |
| Tier 1 risk-based capital ratio | 32.0592% | 439 |
| Total risk-based capital ratio | 33.3141% | 430 |
| Memoranda: | ||
| Average total assets | $124,262,000 | 4,134 |
| Average earning assets | $121,114,750 | 3,967 |
| Average equity | $23,911,500 | 2,768 |
| Average total loans | $26,337,500 | 5,785 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1145% | 6,047 |
| Cost of funding earning assets | 0.3257% | 4,693 |
| Net interest margin | 2.7888% | 5,931 |
| Noninterest income to average assets | 0.0877% | 6,326 |
| Noninterest expense to average assets | 1.2999% | 6,524 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2026% | 1,581 |
| Return on assets (ROA) | 1.2026% | 1,650 |
| Pretax return on assets | 1.5056% | 1,522 |
| Return on Equity (ROE) | 6.3670% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.3670% | 2,109 |
| Net charge-offs to loans | -0.0302% | 5,692 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3331% | 6,350 |
| Assets per employee ($millions) | 8.8817% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7361% | 98 |
| Loan loss allowance to noncurrent loans | 2,040.6780% | 284 |
| Noncurrent assets plus other real estate owned to assets | 0.0474% | 6,054 |
| Noncurrent loans to loans | 0.2321% | 5,301 |
| Net loans and leases to total assets | 19.4766% | 6,519 |
| Net loans and leases to deposits | 24.4874% | 6,509 |
| Net loans and leases to core deposits | 25.3584% | 6,502 |
| Total domestic deposits to total assets | 79.5374% | 5,342 |
| Equity capital to assets | 19.5981% | 235 |
| Core capital (leverage) ratio | 18.0783% | 295 |
| Tier 1 risk-based capital ratio | 32.3010% | 434 |
| Total risk-based capital ratio | 33.5561% | 426 |
| Memoranda: | ||
| Average total assets | $125,394,670 | 4,126 |
| Average earning assets | $122,201,000 | 3,965 |
| Average equity | $23,684,670 | 2,780 |
| Average total loans | $26,452,000 | 5,824 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0766% | 6,150 |
| Cost of funding earning assets | 0.3223% | 4,832 |
| Net interest margin | 2.7543% | 6,029 |
| Noninterest income to average assets | 0.0889% | 6,366 |
| Noninterest expense to average assets | 1.2325% | 6,619 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4327% | 931 |
| Return on assets (ROA) | 1.4327% | 969 |
| Pretax return on assets | 1.5438% | 1,305 |
| Return on Equity (ROE) | 7.7284% | 3,075 |
| Retained earnings to average equity (ytd only) | 7.7284% | 1,710 |
| Net charge-offs to loans | -0.0593% | 5,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.3936% | 6,484 |
| Assets per employee ($millions) | 9.1454% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3384% | 146 |
| Loan loss allowance to noncurrent loans | 2,075.8621% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0453% | 6,148 |
| Noncurrent loans to loans | 0.2090% | 5,471 |
| Net loans and leases to total assets | 20.7348% | 6,564 |
| Net loans and leases to deposits | 25.6374% | 6,551 |
| Net loans and leases to core deposits | 26.4349% | 6,546 |
| Total domestic deposits to total assets | 80.8773% | 5,269 |
| Equity capital to assets | 18.5089% | 291 |
| Core capital (leverage) ratio | 17.9628% | 307 |
| Tier 1 risk-based capital ratio | 30.8351% | 489 |
| Total risk-based capital ratio | 32.0899% | 486 |
| Memoranda: | ||
| Average total assets | $125,920,000 | 4,143 |
| Average earning assets | $122,862,000 | 3,984 |
| Average equity | $23,342,500 | 2,810 |
| Average total loans | $26,967,000 | 5,857 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0971% | 6,244 |
| Cost of funding earning assets | 0.3706% | 4,949 |
| Net interest margin | 2.7265% | 6,104 |
| Noninterest income to average assets | 0.0900% | 6,421 |
| Noninterest expense to average assets | 1.3314% | 6,669 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1130% | 1,887 |
| Return on assets (ROA) | 1.1143% | 1,955 |
| Pretax return on assets | 1.4158% | 1,730 |
| Return on Equity (ROE) | 6.1445% | 4,001 |
| Retained earnings to average equity (ytd only) | 6.1445% | 1,888 |
| Net charge-offs to loans | -0.3619% | 6,695 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.4919% | 6,475 |
| Assets per employee ($millions) | 8.8431% | 347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5833% | 125 |
| Loan loss allowance to noncurrent loans | 1,578.9474% | 364 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 6,180 |
| Noncurrent loans to loans | 0.2903% | 5,318 |
| Net loans and leases to total assets | 20.1787% | 6,663 |
| Net loans and leases to deposits | 24.9354% | 6,655 |
| Net loans and leases to core deposits | 25.7212% | 6,650 |
| Total domestic deposits to total assets | 80.9239% | 5,204 |
| Equity capital to assets | 18.5673% | 283 |
| Core capital (leverage) ratio | 18.1104% | 294 |
| Tier 1 risk-based capital ratio | 31.0508% | 461 |
| Total risk-based capital ratio | 32.3065% | 456 |
| Memoranda: | ||
| Average total assets | $124,380,800 | 4,170 |
| Average earning assets | $121,145,400 | 4,027 |
| Average equity | $22,556,600 | 2,868 |
| Average total loans | $25,699,400 | 5,948 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1091% | 6,308 |
| Cost of funding earning assets | 0.3820% | 4,979 |
| Net interest margin | 2.7271% | 6,125 |
| Noninterest income to average assets | 0.0910% | 6,503 |
| Noninterest expense to average assets | 1.2559% | 6,766 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1611% | 1,769 |
| Return on assets (ROA) | 1.1628% | 1,834 |
| Pretax return on assets | 1.4894% | 1,642 |
| Return on Equity (ROE) | 6.4500% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.4500% | 2,164 |
| Net charge-offs to loans | -0.4848% | 6,772 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7845% | 6,596 |
| Assets per employee ($millions) | 8.5403% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8832% | 126 |
| Loan loss allowance to noncurrent loans | 2,068.9655% | 261 |
| Noncurrent assets plus other real estate owned to assets | 0.0485% | 6,319 |
| Noncurrent loans to loans | 0.2360% | 5,644 |
| Net loans and leases to total assets | 19.5494% | 6,756 |
| Net loans and leases to deposits | 24.3266% | 6,747 |
| Net loans and leases to core deposits | 25.1250% | 6,746 |
| Total domestic deposits to total assets | 80.3620% | 5,405 |
| Equity capital to assets | 18.9455% | 258 |
| Core capital (leverage) ratio | 17.9459% | 304 |
| Tier 1 risk-based capital ratio | 32.9402% | 403 |
| Total risk-based capital ratio | 34.1975% | 393 |
| Memoranda: | ||
| Average total assets | $124,525,000 | 4,212 |
| Average earning assets | $121,103,500 | 4,071 |
| Average equity | $22,449,000 | 2,907 |
| Average total loans | $25,578,750 | 6,006 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0681% | 6,378 |
| Cost of funding earning assets | 0.3917% | 5,017 |
| Net interest margin | 2.6764% | 6,214 |
| Noninterest income to average assets | 0.0888% | 6,560 |
| Noninterest expense to average assets | 1.2776% | 6,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1095% | 1,897 |
| Return on assets (ROA) | 1.1095% | 2,012 |
| Pretax return on assets | 1.4107% | 1,893 |
| Return on Equity (ROE) | 6.2552% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.2552% | 2,294 |
| Net charge-offs to loans | -0.7178% | 6,849 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5236% | 6,563 |
| Assets per employee ($millions) | 8.8152% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6468% | 156 |
| Loan loss allowance to noncurrent loans | 1,395.3488% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 6,294 |
| Noncurrent loans to loans | 0.3330% | 5,464 |
| Net loans and leases to total assets | 19.9525% | 6,792 |
| Net loans and leases to deposits | 24.4516% | 6,798 |
| Net loans and leases to core deposits | 25.2148% | 6,793 |
| Total domestic deposits to total assets | 81.6000% | 5,181 |
| Equity capital to assets | 17.8944% | 329 |
| Core capital (leverage) ratio | 16.9710% | 371 |
| Tier 1 risk-based capital ratio | 32.2494% | 430 |
| Total risk-based capital ratio | 33.5068% | 426 |
| Memoranda: | ||
| Average total assets | $126,178,670 | 4,218 |
| Average earning assets | $122,551,670 | 4,073 |
| Average equity | $22,381,330 | 2,943 |
| Average total loans | $25,913,670 | 6,027 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0437% | 6,466 |
| Cost of funding earning assets | 0.4030% | 5,072 |
| Net interest margin | 2.6406% | 6,310 |
| Noninterest income to average assets | 0.0941% | 6,593 |
| Noninterest expense to average assets | 1.1947% | 6,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3546% | 1,143 |
| Return on assets (ROA) | 1.3546% | 1,232 |
| Pretax return on assets | 1.4675% | 1,660 |
| Return on Equity (ROE) | 7.6698% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.6698% | 1,869 |
| Net charge-offs to loans | -1.4331% | 6,943 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8763% | 6,737 |
| Assets per employee ($millions) | 9.3111% | 283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6133% | 177 |
| Loan loss allowance to noncurrent loans | 1,395.3488% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0660% | 6,403 |
| Noncurrent loans to loans | 0.3306% | 5,574 |
| Net loans and leases to total assets | 19.0340% | 6,870 |
| Net loans and leases to deposits | 23.3068% | 6,874 |
| Net loans and leases to core deposits | 23.9339% | 6,865 |
| Total domestic deposits to total assets | 81.6671% | 5,306 |
| Equity capital to assets | 17.4514% | 378 |
| Core capital (leverage) ratio | 16.6153% | 393 |
| Tier 1 risk-based capital ratio | 31.8877% | 455 |
| Total risk-based capital ratio | 33.1452% | 450 |
| Memoranda: | ||
| Average total assets | $127,561,500 | 4,230 |
| Average earning assets | $124,060,500 | 4,064 |
| Average equity | $22,530,000 | 2,979 |
| Average total loans | $25,958,500 | 6,073 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1894% | 6,667 |
| Cost of funding earning assets | 0.5988% | 4,364 |
| Net interest margin | 2.5906% | 6,639 |
| Noninterest income to average assets | 0.0974% | 6,520 |
| Noninterest expense to average assets | 1.2940% | 6,955 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0424% | 2,160 |
| Return on assets (ROA) | 1.0438% | 2,352 |
| Pretax return on assets | 1.2989% | 2,402 |
| Return on Equity (ROE) | 5.8916% | 4,230 |
| Retained earnings to average equity (ytd only) | 5.8916% | 2,145 |
| Net charge-offs to loans | -0.1178% | 6,859 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9363% | 6,591 |
| Assets per employee ($millions) | 8.9119% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2733% | 232 |
| Loan loss allowance to noncurrent loans | 1,287.2093% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 6,436 |
| Noncurrent loans to loans | 0.3320% | 5,656 |
| Net loans and leases to total assets | 19.8754% | 6,925 |
| Net loans and leases to deposits | 24.5078% | 6,920 |
| Net loans and leases to core deposits | 25.1384% | 6,918 |
| Total domestic deposits to total assets | 81.0984% | 5,373 |
| Equity capital to assets | 17.8821% | 335 |
| Core capital (leverage) ratio | 16.7907% | 375 |
| Tier 1 risk-based capital ratio | 31.7825% | 440 |
| Total risk-based capital ratio | 33.0374% | 431 |
| Memoranda: | ||
| Average total assets | $121,100,000 | 4,338 |
| Average earning assets | $116,573,800 | 4,199 |
| Average equity | $21,454,400 | 3,047 |
| Average total loans | $24,608,000 | 6,213 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2075% | 6,795 |
| Cost of funding earning assets | 0.6424% | 4,262 |
| Net interest margin | 2.5651% | 6,784 |
| Noninterest income to average assets | 0.0987% | 6,617 |
| Noninterest expense to average assets | 1.2503% | 7,064 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0677% | 2,230 |
| Return on assets (ROA) | 1.0695% | 2,424 |
| Pretax return on assets | 1.3135% | 2,545 |
| Return on Equity (ROE) | 6.0512% | 4,308 |
| Retained earnings to average equity (ytd only) | 6.0512% | 2,672 |
| Net charge-offs to loans | -0.0988% | 6,849 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8090% | 6,677 |
| Assets per employee ($millions) | 8.6769% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4216% | 228 |
| Loan loss allowance to noncurrent loans | 1,273.2558% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0708% | 6,563 |
| Noncurrent loans to loans | 0.3473% | 5,783 |
| Net loans and leases to total assets | 19.4852% | 7,036 |
| Net loans and leases to deposits | 24.1417% | 7,035 |
| Net loans and leases to core deposits | 24.7294% | 7,041 |
| Total domestic deposits to total assets | 80.7116% | 5,449 |
| Equity capital to assets | 18.1417% | 350 |
| Core capital (leverage) ratio | 16.8248% | 388 |
| Tier 1 risk-based capital ratio | 32.6606% | 420 |
| Total risk-based capital ratio | 33.9166% | 415 |
| Memoranda: | ||
| Average total assets | $120,183,250 | 4,396 |
| Average earning assets | $115,392,250 | 4,259 |
| Average equity | $21,240,250 | 3,098 |
| Average total loans | $24,283,750 | 6,314 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1804% | 6,886 |
| Cost of funding earning assets | 0.6936% | 4,070 |
| Net interest margin | 2.4868% | 6,901 |
| Noninterest income to average assets | 0.1002% | 6,676 |
| Noninterest expense to average assets | 1.2726% | 7,117 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0093% | 2,427 |
| Return on assets (ROA) | 1.0121% | 2,631 |
| Pretax return on assets | 1.2142% | 2,866 |
| Return on Equity (ROE) | 5.7785% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.7785% | 2,836 |
| Net charge-offs to loans | -0.1409% | 6,931 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2441% | 6,560 |
| Assets per employee ($millions) | 8.7661% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4807% | 235 |
| Loan loss allowance to noncurrent loans | 1,273.2558% | 343 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 6,640 |
| Noncurrent loans to loans | 0.3519% | 5,841 |
| Net loans and leases to total assets | 19.0206% | 7,096 |
| Net loans and leases to deposits | 23.2641% | 7,100 |
| Net loans and leases to core deposits | 24.0369% | 7,101 |
| Total domestic deposits to total assets | 81.7592% | 5,212 |
| Equity capital to assets | 17.3950% | 393 |
| Core capital (leverage) ratio | 16.7019% | 389 |
| Tier 1 risk-based capital ratio | 33.3201% | 395 |
| Total risk-based capital ratio | 34.5763% | 388 |
| Memoranda: | ||
| Average total assets | $119,752,000 | 4,425 |
| Average earning assets | $114,764,330 | 4,294 |
| Average equity | $20,974,330 | 3,113 |
| Average total loans | $24,123,330 | 6,357 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1830% | 6,958 |
| Cost of funding earning assets | 0.7550% | 3,826 |
| Net interest margin | 2.4280% | 6,996 |
| Noninterest income to average assets | 0.1048% | 6,716 |
| Noninterest expense to average assets | 1.2886% | 7,179 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0725% | 2,195 |
| Return on assets (ROA) | 1.0789% | 2,355 |
| Pretax return on assets | 1.1398% | 3,162 |
| Return on Equity (ROE) | 6.1383% | 4,220 |
| Retained earnings to average equity (ytd only) | 6.1383% | 2,880 |
| Net charge-offs to loans | -0.2837% | 7,050 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2123% | 6,419 |
| Assets per employee ($millions) | 8.6400% | 371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4548% | 254 |
| Loan loss allowance to noncurrent loans | 1,216.6667% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 6,698 |
| Noncurrent loans to loans | 0.3662% | 5,939 |
| Net loans and leases to total assets | 19.4155% | 7,151 |
| Net loans and leases to deposits | 23.7184% | 7,148 |
| Net loans and leases to core deposits | 24.4506% | 7,148 |
| Total domestic deposits to total assets | 81.8585% | 5,344 |
| Equity capital to assets | 17.3619% | 387 |
| Core capital (leverage) ratio | 17.0671% | 352 |
| Tier 1 risk-based capital ratio | 33.6565% | 375 |
| Total risk-based capital ratio | 34.9133% | 370 |
| Memoranda: | ||
| Average total assets | $118,265,500 | 4,490 |
| Average earning assets | $112,849,000 | 4,358 |
| Average equity | $20,787,500 | 3,135 |
| Average total loans | $23,966,000 | 6,418 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3404% | 7,081 |
| Cost of funding earning assets | 0.9437% | 3,761 |
| Net interest margin | 2.3967% | 7,105 |
| Noninterest income to average assets | 0.0897% | 6,683 |
| Noninterest expense to average assets | 1.4169% | 7,205 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.8656% | 2,752 |
| Return on assets (ROA) | 0.8812% | 2,819 |
| Pretax return on assets | 1.0086% | 3,211 |
| Return on Equity (ROE) | 4.9059% | 4,439 |
| Retained earnings to average equity (ytd only) | 4.9059% | 2,713 |
| Net charge-offs to loans | -0.6514% | 7,293 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8520% | 5,927 |
| Assets per employee ($millions) | 8.2551% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6163% | 239 |
| Loan loss allowance to noncurrent loans | 1,253.4884% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0744% | 6,766 |
| Noncurrent loans to loans | 0.3683% | 5,985 |
| Net loans and leases to total assets | 19.2730% | 7,217 |
| Net loans and leases to deposits | 23.6520% | 7,215 |
| Net loans and leases to core deposits | 24.3530% | 7,213 |
| Total domestic deposits to total assets | 81.4858% | 5,295 |
| Equity capital to assets | 17.8020% | 358 |
| Core capital (leverage) ratio | 16.9359% | 367 |
| Tier 1 risk-based capital ratio | 34.7889% | 336 |
| Total risk-based capital ratio | 36.0470% | 330 |
| Memoranda: | ||
| Average total assets | $111,439,600 | 4,607 |
| Average earning assets | $107,771,400 | 4,453 |
| Average equity | $20,016,600 | 3,143 |
| Average total loans | $23,181,200 | 6,504 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2914% | 7,179 |
| Cost of funding earning assets | 0.9796% | 3,821 |
| Net interest margin | 2.3118% | 7,218 |
| Noninterest income to average assets | 0.0882% | 6,796 |
| Noninterest expense to average assets | 1.3332% | 7,301 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8435% | 2,971 |
| Return on assets (ROA) | 0.8876% | 2,946 |
| Pretax return on assets | 1.0470% | 3,224 |
| Return on Equity (ROE) | 4.9302% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.9302% | 3,219 |
| Net charge-offs to loans | -0.8701% | 7,378 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2614% | 6,106 |
| Assets per employee ($millions) | 8.2474% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3885% | 286 |
| Loan loss allowance to noncurrent loans | 1,253.4884% | 300 |
| Noncurrent assets plus other real estate owned to assets | 0.0745% | 6,872 |
| Noncurrent loans to loans | 0.3501% | 6,150 |
| Net loans and leases to total assets | 20.3405% | 7,281 |
| Net loans and leases to deposits | 25.0059% | 7,279 |
| Net loans and leases to core deposits | 25.7460% | 7,279 |
| Total domestic deposits to total assets | 81.3431% | 5,315 |
| Equity capital to assets | 17.7241% | 423 |
| Core capital (leverage) ratio | 16.9037% | 411 |
| Tier 1 risk-based capital ratio | 35.0224% | 354 |
| Total risk-based capital ratio | 36.2816% | 344 |
| Memoranda: | ||
| Average total assets | $110,406,750 | 4,663 |
| Average earning assets | $106,983,750 | 4,505 |
| Average equity | $19,877,250 | 3,168 |
| Average total loans | $23,138,500 | 6,569 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3136% | 7,246 |
| Cost of funding earning assets | 1.0370% | 3,686 |
| Net interest margin | 2.2766% | 7,285 |
| Noninterest income to average assets | 0.0865% | 6,894 |
| Noninterest expense to average assets | 1.3981% | 7,357 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7724% | 3,189 |
| Return on assets (ROA) | 0.8388% | 3,012 |
| Pretax return on assets | 0.9787% | 3,322 |
| Return on Equity (ROE) | 4.6338% | 4,626 |
| Retained earnings to average equity (ytd only) | 4.6338% | 3,235 |
| Net charge-offs to loans | -1.3325% | 7,452 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8000% | 5,761 |
| Assets per employee ($millions) | 8.0443% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8272% | 212 |
| Loan loss allowance to noncurrent loans | 1,237.9310% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 6,906 |
| Noncurrent loans to loans | 0.3899% | 6,121 |
| Net loans and leases to total assets | 18.8546% | 7,382 |
| Net loans and leases to deposits | 23.1990% | 7,382 |
| Net loans and leases to core deposits | 23.9030% | 7,380 |
| Total domestic deposits to total assets | 81.2733% | 5,433 |
| Equity capital to assets | 17.8592% | 392 |
| Core capital (leverage) ratio | 17.1868% | 392 |
| Tier 1 risk-based capital ratio | 37.0339% | 300 |
| Total risk-based capital ratio | 38.2936% | 292 |
| Memoranda: | ||
| Average total assets | $108,721,000 | 4,740 |
| Average earning assets | $105,685,000 | 4,575 |
| Average equity | $19,681,330 | 3,176 |
| Average total loans | $22,663,330 | 6,651 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3346% | 7,301 |
| Cost of funding earning assets | 1.0859% | 3,613 |
| Net interest margin | 2.2487% | 7,337 |
| Noninterest income to average assets | 0.0974% | 6,926 |
| Noninterest expense to average assets | 1.3674% | 7,424 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8729% | 2,692 |
| Return on assets (ROA) | 0.8729% | 2,746 |
| Pretax return on assets | 0.9178% | 3,436 |
| Return on Equity (ROE) | 4.7880% | 4,506 |
| Retained earnings to average equity (ytd only) | 4.7880% | 3,309 |
| Net charge-offs to loans | -2.3643% | 7,515 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8361% | 6,004 |
| Assets per employee ($millions) | 7.8515% | 497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7200% | 239 |
| Loan loss allowance to noncurrent loans | 411.6279% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.2347% | 6,590 |
| Noncurrent loans to loans | 1.1467% | 4,781 |
| Net loans and leases to total assets | 19.5031% | 7,426 |
| Net loans and leases to deposits | 23.9282% | 7,437 |
| Net loans and leases to core deposits | 24.6672% | 7,432 |
| Total domestic deposits to total assets | 81.5067% | 5,494 |
| Equity capital to assets | 17.8101% | 379 |
| Core capital (leverage) ratio | 17.5913% | 355 |
| Tier 1 risk-based capital ratio | 36.6248% | 310 |
| Total risk-based capital ratio | 37.8853% | 301 |
| Memoranda: | ||
| Average total assets | $106,771,500 | 4,816 |
| Average earning assets | $103,880,500 | 4,638 |
| Average equity | $19,465,500 | 3,193 |
| Average total loans | $22,839,500 | 6,700 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8569% | 7,228 |
| Cost of funding earning assets | 1.3076% | 3,835 |
| Net interest margin | 2.5494% | 7,242 |
| Noninterest income to average assets | 0.1004% | 6,895 |
| Noninterest expense to average assets | 1.5197% | 7,439 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8552% | 2,566 |
| Return on assets (ROA) | 0.8617% | 2,688 |
| Pretax return on assets | 1.0556% | 2,752 |
| Return on Equity (ROE) | 4.5046% | 4,296 |
| Retained earnings to average equity (ytd only) | 4.5046% | 2,721 |
| Net charge-offs to loans | -0.5724% | 7,592 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1947% | 6,162 |
| Assets per employee ($millions) | 7.4016% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9993% | 402 |
| Loan loss allowance to noncurrent loans | 408.3700% | 763 |
| Noncurrent assets plus other real estate owned to assets | 0.2191% | 6,688 |
| Noncurrent loans to loans | 0.9793% | 5,096 |
| Net loans and leases to total assets | 21.4742% | 7,503 |
| Net loans and leases to deposits | 26.6839% | 7,505 |
| Net loans and leases to core deposits | 27.5700% | 7,498 |
| Total domestic deposits to total assets | 80.4762% | 5,693 |
| Equity capital to assets | 18.6775% | 336 |
| Core capital (leverage) ratio | 17.9425% | 332 |
| Tier 1 risk-based capital ratio | 34.9117% | 350 |
| Total risk-based capital ratio | 36.1677% | 344 |
| Memoranda: | ||
| Average total assets | $100,609,600 | 4,967 |
| Average earning assets | $97,357,000 | 4,796 |
| Average equity | $19,247,200 | 3,249 |
| Average total loans | $24,284,400 | 6,715 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9059% | 7,335 |
| Cost of funding earning assets | 1.3573% | 3,853 |
| Net interest margin | 2.5487% | 7,347 |
| Noninterest income to average assets | 0.1041% | 7,026 |
| Noninterest expense to average assets | 1.4500% | 7,573 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9355% | 2,472 |
| Return on assets (ROA) | 0.9400% | 2,583 |
| Pretax return on assets | 1.1216% | 2,765 |
| Return on Equity (ROE) | 4.8835% | 4,352 |
| Retained earnings to average equity (ytd only) | 4.8835% | 3,068 |
| Net charge-offs to loans | -0.6894% | 7,693 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5036% | 6,489 |
| Assets per employee ($millions) | 6.7784% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7572% | 446 |
| Loan loss allowance to noncurrent loans | 387.7119% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.2321% | 6,785 |
| Noncurrent loans to loans | 0.9691% | 5,297 |
| Net loans and leases to total assets | 23.0517% | 7,577 |
| Net loans and leases to deposits | 29.0830% | 7,574 |
| Net loans and leases to core deposits | 30.0773% | 7,580 |
| Total domestic deposits to total assets | 79.2616% | 5,945 |
| Equity capital to assets | 19.4756% | 321 |
| Core capital (leverage) ratio | 18.0432% | 349 |
| Tier 1 risk-based capital ratio | 34.2762% | 367 |
| Total risk-based capital ratio | 35.5314% | 362 |
| Memoranda: | ||
| Average total assets | $99,856,500 | 5,054 |
| Average earning assets | $96,467,000 | 4,875 |
| Average equity | $19,220,500 | 3,289 |
| Average total loans | $24,560,750 | 6,788 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9489% | 7,399 |
| Cost of funding earning assets | 1.3990% | 3,877 |
| Net interest margin | 2.5499% | 7,386 |
| Noninterest income to average assets | 0.1008% | 7,095 |
| Noninterest expense to average assets | 1.4932% | 7,617 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9117% | 2,510 |
| Return on assets (ROA) | 0.9169% | 2,590 |
| Pretax return on assets | 1.0781% | 2,855 |
| Return on Equity (ROE) | 4.7828% | 4,395 |
| Retained earnings to average equity (ytd only) | 4.7828% | 3,024 |
| Net charge-offs to loans | -0.2111% | 7,650 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2090% | 6,354 |
| Assets per employee ($millions) | 6.8283% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2365% | 678 |
| Loan loss allowance to noncurrent loans | 2,806.8966% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0283% | 7,331 |
| Noncurrent loans to loans | 0.1153% | 7,036 |
| Net loans and leases to total assets | 23.7608% | 7,646 |
| Net loans and leases to deposits | 29.5689% | 7,645 |
| Net loans and leases to core deposits | 30.7526% | 7,650 |
| Total domestic deposits to total assets | 80.3573% | 5,612 |
| Equity capital to assets | 18.7210% | 362 |
| Core capital (leverage) ratio | 18.2178% | 342 |
| Tier 1 risk-based capital ratio | 33.8629% | 381 |
| Total risk-based capital ratio | 35.1160% | 377 |
| Memoranda: | ||
| Average total assets | $99,250,000 | 5,105 |
| Average earning assets | $95,924,670 | 4,927 |
| Average equity | $19,026,670 | 3,301 |
| Average total loans | $24,630,000 | 6,826 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 7,464 |
| Cost of funding earning assets | 1.4542% | 3,842 |
| Net interest margin | 2.5353% | 7,444 |
| Noninterest income to average assets | 0.1106% | 7,142 |
| Noninterest expense to average assets | 1.4868% | 7,717 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0159% | 2,128 |
| Return on assets (ROA) | 1.0198% | 2,174 |
| Pretax return on assets | 1.0772% | 2,813 |
| Return on Equity (ROE) | 5.2552% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.2552% | 3,009 |
| Net charge-offs to loans | -0.2298% | 7,697 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0800% | 6,479 |
| Assets per employee ($millions) | 6.6511% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1436% | 730 |
| Loan loss allowance to noncurrent loans | 2,506.2500% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 7,417 |
| Noncurrent loans to loans | 0.1254% | 7,092 |
| Net loans and leases to total assets | 24.7677% | 7,720 |
| Net loans and leases to deposits | 31.0236% | 7,715 |
| Net loans and leases to core deposits | 32.3129% | 7,713 |
| Total domestic deposits to total assets | 79.8350% | 5,842 |
| Equity capital to assets | 19.1907% | 328 |
| Core capital (leverage) ratio | 18.5589% | 342 |
| Tier 1 risk-based capital ratio | 32.1416% | 431 |
| Total risk-based capital ratio | 33.3941% | 428 |
| Memoranda: | ||
| Average total assets | $97,662,500 | 5,219 |
| Average earning assets | $94,347,000 | 5,035 |
| Average equity | $18,952,500 | 3,326 |
| Average total loans | $24,369,500 | 6,916 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3144% | 7,548 |
| Cost of funding earning assets | 1.7844% | 4,079 |
| Net interest margin | 2.5300% | 7,394 |
| Noninterest income to average assets | 0.0998% | 7,266 |
| Noninterest expense to average assets | 1.7171% | 7,684 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5472% | 3,541 |
| Return on assets (ROA) | 0.5189% | 3,747 |
| Pretax return on assets | 0.7420% | 3,436 |
| Return on Equity (ROE) | 2.6248% | 4,650 |
| Retained earnings to average equity (ytd only) | 2.6248% | 3,308 |
| Net charge-offs to loans | -0.4695% | 7,945 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6996% | 4,885 |
| Assets per employee ($millions) | 6.3705% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3926% | 580 |
| Loan loss allowance to noncurrent loans | 2,387.8788% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 7,432 |
| Noncurrent loans to loans | 0.1421% | 7,074 |
| Net loans and leases to total assets | 23.4821% | 7,819 |
| Net loans and leases to deposits | 29.5382% | 7,819 |
| Net loans and leases to core deposits | 32.9942% | 7,846 |
| Total domestic deposits to total assets | 79.4973% | 5,845 |
| Equity capital to assets | 19.6310% | 323 |
| Core capital (leverage) ratio | 18.6887% | 354 |
| Tier 1 risk-based capital ratio | 33.0231% | 411 |
| Total risk-based capital ratio | 34.2762% | 396 |
| Memoranda: | ||
| Average total assets | $89,221,400 | 5,417 |
| Average earning assets | $84,623,800 | 5,312 |
| Average equity | $17,639,400 | 3,561 |
| Average total loans | $23,853,000 | 6,987 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4054% | 7,604 |
| Cost of funding earning assets | 1.8396% | 4,201 |
| Net interest margin | 2.5658% | 7,390 |
| Noninterest income to average assets | 0.1034% | 7,389 |
| Noninterest expense to average assets | 1.7268% | 7,733 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7602% | 2,984 |
| Return on assets (ROA) | 0.7759% | 2,974 |
| Pretax return on assets | 0.8231% | 3,461 |
| Return on Equity (ROE) | 3.9170% | 4,404 |
| Retained earnings to average equity (ytd only) | 3.9170% | 3,094 |
| Net charge-offs to loans | -0.3887% | 8,010 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1682% | 4,932 |
| Assets per employee ($millions) | 6.8315% | 850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1522% | 589 |
| Loan loss allowance to noncurrent loans | 2,260.6061% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0345% | 7,493 |
| Noncurrent loans to loans | 0.1394% | 7,132 |
| Net loans and leases to total assets | 23.9646% | 7,903 |
| Net loans and leases to deposits | 30.1076% | 7,908 |
| Net loans and leases to core deposits | 33.6574% | 7,922 |
| Total domestic deposits to total assets | 79.5966% | 5,592 |
| Equity capital to assets | 19.5471% | 369 |
| Core capital (leverage) ratio | 19.2276% | 362 |
| Tier 1 risk-based capital ratio | 30.7891% | 527 |
| Total risk-based capital ratio | 32.0401% | 513 |
| Memoranda: | ||
| Average total assets | $87,637,250 | 5,492 |
| Average earning assets | $82,986,750 | 5,399 |
| Average equity | $17,359,500 | 3,636 |
| Average total loans | $24,009,500 | 7,033 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5744% | 7,560 |
| Cost of funding earning assets | 1.8814% | 4,364 |
| Net interest margin | 2.6931% | 7,218 |
| Noninterest income to average assets | 0.1012% | 7,473 |
| Noninterest expense to average assets | 1.7183% | 7,814 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8430% | 2,683 |
| Return on assets (ROA) | 0.8474% | 2,771 |
| Pretax return on assets | 0.9180% | 3,280 |
| Return on Equity (ROE) | 4.2567% | 4,391 |
| Retained earnings to average equity (ytd only) | 4.2567% | 2,933 |
| Net charge-offs to loans | -0.5803% | 8,107 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2952% | 5,659 |
| Assets per employee ($millions) | 6.5136% | 962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1051% | 518 |
| Loan loss allowance to noncurrent loans | 529.0780% | 628 |
| Noncurrent assets plus other real estate owned to assets | 0.1546% | 7,176 |
| Noncurrent loans to loans | 0.5869% | 6,079 |
| Net loans and leases to total assets | 25.5277% | 7,968 |
| Net loans and leases to deposits | 31.8389% | 7,967 |
| Net loans and leases to core deposits | 34.9351% | 7,996 |
| Total domestic deposits to total assets | 80.1779% | 5,405 |
| Equity capital to assets | 19.4361% | 421 |
| Core capital (leverage) ratio | 20.3763% | 341 |
| Tier 1 risk-based capital ratio | 30.0961% | 601 |
| Total risk-based capital ratio | 31.3462% | 584 |
| Memoranda: | ||
| Average total assets | $84,969,330 | 5,615 |
| Average earning assets | $79,835,000 | 5,534 |
| Average equity | $16,914,330 | 3,728 |
| Average total loans | $24,124,000 | 7,073 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7504% | 7,435 |
| Cost of funding earning assets | 1.9371% | 4,452 |
| Net interest margin | 2.8133% | 6,964 |
| Noninterest income to average assets | 0.1173% | 7,439 |
| Noninterest expense to average assets | 1.7298% | 7,787 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9040% | 2,690 |
| Return on assets (ROA) | 0.9040% | 2,839 |
| Pretax return on assets | 0.9920% | 3,381 |
| Return on Equity (ROE) | 4.4823% | 4,715 |
| Retained earnings to average equity (ytd only) | 4.4823% | 3,436 |
| Net charge-offs to loans | -0.2151% | 8,021 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5548% | 5,772 |
| Assets per employee ($millions) | 5.6366% | 1,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8224% | 570 |
| Loan loss allowance to noncurrent loans | 1,187.9310% | 353 |
| Noncurrent assets plus other real estate owned to assets | 0.0686% | 7,392 |
| Noncurrent loans to loans | 0.2376% | 6,852 |
| Net loans and leases to total assets | 28.0583% | 7,959 |
| Net loans and leases to deposits | 35.0667% | 7,959 |
| Net loans and leases to core deposits | 38.5721% | 7,994 |
| Total domestic deposits to total assets | 80.0140% | 5,361 |
| Equity capital to assets | 19.6064% | 438 |
| Core capital (leverage) ratio | 21.8680% | 310 |
| Tier 1 risk-based capital ratio | 30.5708% | 598 |
| Total risk-based capital ratio | 31.7580% | 586 |
| Memoranda: | ||
| Average total assets | $81,858,500 | 5,760 |
| Average earning assets | $75,783,000 | 5,705 |
| Average equity | $16,509,500 | 3,839 |
| Average total loans | $24,173,500 | 7,123 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1945% | 7,690 |
| Cost of funding earning assets | 2.2629% | 5,323 |
| Net interest margin | 2.9316% | 7,077 |
| Noninterest income to average assets | 0.1456% | 7,373 |
| Noninterest expense to average assets | 1.9183% | 7,583 |
| Loan and lease loss provision to assets | -0.0541% | 8,237 |
| Net operating income to assets | 0.8882% | 3,048 |
| Return on assets (ROA) | 0.8915% | 2,874 |
| Pretax return on assets | 1.0526% | 3,203 |
| Return on Equity (ROE) | 4.1027% | 4,780 |
| Retained earnings to average equity (ytd only) | 4.1027% | 2,582 |
| Net charge-offs to loans | -0.3274% | 8,199 |
| Credit loss provision to net charge-offs | 53.8462% | 6,308 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8558% | 5,153 |
| Assets per employee ($millions) | 5.2779% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8243% | 508 |
| Loan loss allowance to noncurrent loans | 637.7358% | 707 |
| Noncurrent assets plus other real estate owned to assets | 0.1339% | 7,044 |
| Noncurrent loans to loans | 0.4429% | 6,031 |
| Net loans and leases to total assets | 29.3793% | 8,004 |
| Net loans and leases to deposits | 37.2514% | 7,992 |
| Net loans and leases to core deposits | 40.6342% | 8,041 |
| Total domestic deposits to total assets | 78.8677% | 5,421 |
| Equity capital to assets | 20.7685% | 420 |
| Core capital (leverage) ratio | 22.0978% | 336 |
| Tier 1 risk-based capital ratio | 31.9329% | 553 |
| Total risk-based capital ratio | 33.1624% | 542 |
| Memoranda: | ||
| Average total assets | $77,620,600 | 5,783 |
| Average earning assets | $73,269,600 | 5,698 |
| Average equity | $16,867,000 | 3,760 |
| Average total loans | $23,821,800 | 7,084 |