Home > Southwest State Bank > Performance and Condition Ratios
Southwest State 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 | 4.5345% | 1,367 |
| Cost of funding earning assets | 0.6026% | 1,417 |
| Net interest margin | 3.9319% | 1,785 |
| Noninterest income to average assets | 0.1721% | 5,685 |
| Noninterest expense to average assets | 2.0488% | 5,489 |
| Loan and lease loss provision to assets | -0.4072% | 6,337 |
| Net operating income to assets | 2.3385% | 189 |
| Return on assets (ROA) | 2.3385% | 202 |
| Pretax return on assets | 2.3385% | 304 |
| Return on Equity (ROE) | 23.3764% | 147 |
| Retained earnings to average equity (ytd only) | 6.7149% | 2,143 |
| Net charge-offs to loans | -0.3063% | 6,150 |
| Credit loss provision to net charge-offs | 220.4545% | 986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4768% | 5,843 |
| Assets per employee ($millions) | 6.6661% | 988 |
| Cash dividends to net income (ytd only)* | 71.2747% | 1,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8177% | 1,456 |
| Loan loss allowance to noncurrent loans | 483.4123% | 1,035 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 4,515 |
| Noncurrent loans to loans | 0.3760% | 4,463 |
| Net loans and leases to total assets | 59.0350% | 3,790 |
| Net loans and leases to deposits | 68.1422% | 3,939 |
| Net loans and leases to core deposits | 69.9033% | 4,166 |
| Total domestic deposits to total assets | 86.6350% | 2,583 |
| Equity capital to assets | 10.3455% | 3,726 |
| Core capital (leverage) ratio | 9.6542% | 4,069 |
| Tier 1 risk-based capital ratio | 11.3305% | 5,645 |
| Total risk-based capital ratio | 12.5639% | 5,566 |
| Memoranda: | ||
| Average total assets | $95,274,500 | 4,685 |
| Average earning assets | $92,271,000 | 4,590 |
| Average equity | $9,531,000 | 4,875 |
| Average total loans | $57,454,500 | 4,562 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3493% | 2,413 |
| Cost of funding earning assets | 0.6383% | 1,491 |
| Net interest margin | 3.7110% | 2,971 |
| Noninterest income to average assets | 0.1670% | 5,862 |
| Noninterest expense to average assets | 2.0875% | 5,601 |
| Loan and lease loss provision to assets | 0.0122% | 4,378 |
| Net operating income to assets | 1.6547% | 630 |
| Return on assets (ROA) | 1.6547% | 657 |
| Pretax return on assets | 1.6547% | 1,088 |
| Return on Equity (ROE) | 17.3108% | 456 |
| Retained earnings to average equity (ytd only) | -0.4048% | 5,835 |
| Net charge-offs to loans | 0.0128% | 4,639 |
| Credit loss provision to net charge-offs | 171.4286% | 1,414 |
| Earnings coverage of net charge-offs (x) | 233.8571% | 233 |
| Efficiency ratio | 55.6008% | 5,707 |
| Assets per employee ($millions) | 6.9445% | 877 |
| Cash dividends to net income (ytd only)* | 102.3385% | 320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 1,486 |
| Loan loss allowance to noncurrent loans | 354.9669% | 1,413 |
| Noncurrent assets plus other real estate owned to assets | 0.4546% | 4,299 |
| Noncurrent loans to loans | 0.5137% | 4,128 |
| Net loans and leases to total assets | 59.3707% | 3,864 |
| Net loans and leases to deposits | 68.8996% | 4,038 |
| Net loans and leases to core deposits | 70.6123% | 4,268 |
| Total domestic deposits to total assets | 86.1699% | 2,740 |
| Equity capital to assets | 9.6757% | 4,501 |
| Core capital (leverage) ratio | 9.6147% | 4,074 |
| Tier 1 risk-based capital ratio | 11.7196% | 5,534 |
| Total risk-based capital ratio | 12.8878% | 5,491 |
| Memoranda: | ||
| Average total assets | $98,203,400 | 4,647 |
| Average earning assets | $94,934,400 | 4,534 |
| Average equity | $9,387,200 | 4,887 |
| Average total loans | $54,620,600 | 4,667 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 2,459 |
| Cost of funding earning assets | 0.6507% | 1,453 |
| Net interest margin | 3.6881% | 3,074 |
| Noninterest income to average assets | 0.1720% | 5,894 |
| Noninterest expense to average assets | 2.0558% | 5,667 |
| Loan and lease loss provision to assets | 0.0163% | 4,090 |
| Net operating income to assets | 1.6617% | 663 |
| Return on assets (ROA) | 1.6617% | 691 |
| Pretax return on assets | 1.6617% | 1,158 |
| Return on Equity (ROE) | 17.4368% | 502 |
| Retained earnings to average equity (ytd only) | -0.1137% | 5,816 |
| Net charge-offs to loans | 0.0050% | 4,526 |
| Credit loss provision to net charge-offs | 600.0000% | 494 |
| Earnings coverage of net charge-offs (x) | 618.7116% | 125 |
| Efficiency ratio | 55.0598% | 5,740 |
| Assets per employee ($millions) | 6.8494% | 861 |
| Cash dividends to net income (ytd only)* | 100.6522% | 359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9557% | 1,338 |
| Loan loss allowance to noncurrent loans | 354.2763% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.4630% | 4,502 |
| Noncurrent loans to loans | 0.5520% | 4,266 |
| Net loans and leases to total assets | 56.3071% | 4,293 |
| Net loans and leases to deposits | 62.6046% | 4,687 |
| Net loans and leases to core deposits | 64.3276% | 4,852 |
| Total domestic deposits to total assets | 89.9408% | 759 |
| Equity capital to assets | 9.8413% | 4,373 |
| Core capital (leverage) ratio | 9.5071% | 4,360 |
| Tier 1 risk-based capital ratio | 12.1501% | 5,402 |
| Total risk-based capital ratio | 13.3098% | 5,366 |
| Memoranda: | ||
| Average total assets | $98,448,500 | 4,682 |
| Average earning assets | $95,077,750 | 4,571 |
| Average equity | $9,382,250 | 4,930 |
| Average total loans | $53,577,250 | 4,749 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3339% | 2,455 |
| Cost of funding earning assets | 0.6618% | 1,425 |
| Net interest margin | 3.6721% | 3,059 |
| Noninterest income to average assets | 0.1611% | 5,989 |
| Noninterest expense to average assets | 2.0705% | 5,686 |
| Loan and lease loss provision to assets | 0.0242% | 3,795 |
| Net operating income to assets | 1.6093% | 692 |
| Return on assets (ROA) | 1.6093% | 720 |
| Pretax return on assets | 1.6093% | 1,229 |
| Return on Equity (ROE) | 17.0654% | 545 |
| Retained earnings to average equity (ytd only) | -1.4097% | 5,915 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8999% | 5,757 |
| Assets per employee ($millions) | 7.0474% | 782 |
| Cash dividends to net income (ytd only)* | 108.2603% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9922% | 1,373 |
| Loan loss allowance to noncurrent loans | 407.1698% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.2980% | 5,172 |
| Noncurrent loans to loans | 0.4893% | 4,531 |
| Net loans and leases to total assets | 53.7998% | 4,564 |
| Net loans and leases to deposits | 63.4091% | 4,555 |
| Net loans and leases to core deposits | 65.6188% | 4,675 |
| Total domestic deposits to total assets | 84.8455% | 3,586 |
| Equity capital to assets | 9.4117% | 4,830 |
| Core capital (leverage) ratio | 9.3741% | 4,498 |
| Tier 1 risk-based capital ratio | 11.9912% | 5,544 |
| Total risk-based capital ratio | 13.1469% | 5,517 |
| Memoranda: | ||
| Average total assets | $99,300,670 | 4,700 |
| Average earning assets | $95,803,670 | 4,583 |
| Average equity | $9,364,000 | 4,946 |
| Average total loans | $53,079,330 | 4,787 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 2,137 |
| Cost of funding earning assets | 0.6929% | 1,292 |
| Net interest margin | 3.7063% | 2,841 |
| Noninterest income to average assets | 0.1686% | 5,964 |
| Noninterest expense to average assets | 1.9715% | 5,938 |
| Loan and lease loss provision to assets | 0.0241% | 3,521 |
| Net operating income to assets | 1.7386% | 536 |
| Return on assets (ROA) | 1.7386% | 553 |
| Pretax return on assets | 1.7386% | 897 |
| Return on Equity (ROE) | 18.4197% | 408 |
| Retained earnings to average equity (ytd only) | -0.1276% | 5,578 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7957% | 6,093 |
| Assets per employee ($millions) | 6.9526% | 820 |
| Cash dividends to net income (ytd only)* | 100.6928% | 673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0781% | 1,373 |
| Loan loss allowance to noncurrent loans | 2,685.0000% | 213 |
| Noncurrent assets plus other real estate owned to assets | 0.1068% | 5,931 |
| Noncurrent loans to loans | 0.0774% | 5,904 |
| Net loans and leases to total assets | 51.9931% | 4,679 |
| Net loans and leases to deposits | 58.1888% | 4,917 |
| Net loans and leases to core deposits | 59.9557% | 5,042 |
| Total domestic deposits to total assets | 89.3523% | 1,446 |
| Equity capital to assets | 9.6254% | 4,324 |
| Core capital (leverage) ratio | 9.2789% | 4,606 |
| Tier 1 risk-based capital ratio | 12.2611% | 5,466 |
| Total risk-based capital ratio | 13.4096% | 5,462 |
| Memoranda: | ||
| Average total assets | $99,619,000 | 4,748 |
| Average earning assets | $95,836,000 | 4,634 |
| Average equity | $9,403,000 | 4,960 |
| Average total loans | $52,539,000 | 4,843 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6352% | 1,758 |
| Cost of funding earning assets | 0.7293% | 1,627 |
| Net interest margin | 3.9060% | 2,263 |
| Noninterest income to average assets | 0.1856% | 5,981 |
| Noninterest expense to average assets | 1.7824% | 6,349 |
| Loan and lease loss provision to assets | -0.9105% | 6,791 |
| Net operating income to assets | 3.0516% | 106 |
| Return on assets (ROA) | 3.0516% | 107 |
| Pretax return on assets | 3.0516% | 117 |
| Return on Equity (ROE) | 32.3079% | 56 |
| Retained earnings to average equity (ytd only) | -0.4605% | 5,966 |
| Net charge-offs to loans | -1.8690% | 6,769 |
| Credit loss provision to net charge-offs | 97.0134% | 2,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.4299% | 6,581 |
| Assets per employee ($millions) | 6.7935% | 853 |
| Cash dividends to net income (ytd only)* | 101.4254% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9983% | 1,557 |
| Loan loss allowance to noncurrent loans | 4,268.0000% | 159 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 6,212 |
| Noncurrent loans to loans | 0.0468% | 6,091 |
| Net loans and leases to total assets | 51.3523% | 4,934 |
| Net loans and leases to deposits | 58.0286% | 5,123 |
| Net loans and leases to core deposits | 60.0985% | 5,214 |
| Total domestic deposits to total assets | 88.4948% | 1,909 |
| Equity capital to assets | 9.2609% | 4,734 |
| Core capital (leverage) ratio | 8.9754% | 5,043 |
| Tier 1 risk-based capital ratio | 11.6971% | 5,806 |
| Total risk-based capital ratio | 12.8404% | 5,800 |
| Memoranda: | ||
| Average total assets | $103,454,600 | 4,664 |
| Average earning assets | $99,002,400 | 4,538 |
| Average equity | $9,771,600 | 4,901 |
| Average total loans | $51,954,200 | 4,893 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 1,538 |
| Cost of funding earning assets | 0.7397% | 1,671 |
| Net interest margin | 3.9829% | 2,003 |
| Noninterest income to average assets | 0.1913% | 6,034 |
| Noninterest expense to average assets | 1.7308% | 6,440 |
| Loan and lease loss provision to assets | -1.2236% | 6,878 |
| Net operating income to assets | 3.4937% | 77 |
| Return on assets (ROA) | 3.4937% | 79 |
| Pretax return on assets | 3.4937% | 97 |
| Return on Equity (ROE) | 36.8120% | 39 |
| Retained earnings to average equity (ytd only) | 13.8400% | 260 |
| Net charge-offs to loans | -2.5455% | 6,849 |
| Credit loss provision to net charge-offs | 96.7513% | 2,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2606% | 6,677 |
| Assets per employee ($millions) | 7.0401% | 735 |
| Cash dividends to net income (ytd only)* | 62.4034% | 1,361 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1342% | 1,439 |
| Loan loss allowance to noncurrent loans | 884.2975% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1420% | 6,020 |
| Noncurrent loans to loans | 0.2413% | 5,634 |
| Net loans and leases to total assets | 46.4636% | 5,499 |
| Net loans and leases to deposits | 51.7067% | 5,730 |
| Net loans and leases to core deposits | 53.3199% | 5,810 |
| Total domestic deposits to total assets | 89.8599% | 1,080 |
| Equity capital to assets | 9.9592% | 3,954 |
| Core capital (leverage) ratio | 9.7406% | 4,046 |
| Tier 1 risk-based capital ratio | 13.4016% | 4,839 |
| Total risk-based capital ratio | 14.5370% | 4,853 |
| Memoranda: | ||
| Average total assets | $103,842,750 | 4,694 |
| Average earning assets | $99,322,250 | 4,575 |
| Average equity | $9,855,250 | 4,941 |
| Average total loans | $51,593,750 | 4,947 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5130% | 2,155 |
| Cost of funding earning assets | 0.7397% | 1,773 |
| Net interest margin | 3.7734% | 2,662 |
| Noninterest income to average assets | 0.1743% | 6,161 |
| Noninterest expense to average assets | 1.5786% | 6,609 |
| Loan and lease loss provision to assets | 0.0581% | 3,846 |
| Net operating income to assets | 2.1442% | 285 |
| Return on assets (ROA) | 2.1442% | 299 |
| Pretax return on assets | 2.1442% | 463 |
| Return on Equity (ROE) | 22.9795% | 175 |
| Retained earnings to average equity (ytd only) | 0.8303% | 5,567 |
| Net charge-offs to loans | 0.0269% | 4,318 |
| Credit loss provision to net charge-offs | 428.5714% | 625 |
| Earnings coverage of net charge-offs (x) | 162.4286% | 305 |
| Efficiency ratio | 41.7520% | 6,761 |
| Assets per employee ($millions) | 6.0431% | 1,174 |
| Cash dividends to net income (ytd only)* | 96.3866% | 572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0342% | 1,780 |
| Loan loss allowance to noncurrent loans | 238.9640% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4604% | 5,123 |
| Noncurrent loans to loans | 0.8513% | 4,218 |
| Net loans and leases to total assets | 49.7372% | 5,133 |
| Net loans and leases to deposits | 54.9467% | 5,441 |
| Net loans and leases to core deposits | 56.6946% | 5,546 |
| Total domestic deposits to total assets | 90.5190% | 746 |
| Equity capital to assets | 9.3389% | 4,801 |
| Core capital (leverage) ratio | 8.9012% | 5,141 |
| Tier 1 risk-based capital ratio | 11.7571% | 5,951 |
| Total risk-based capital ratio | 12.8870% | 5,988 |
| Memoranda: | ||
| Average total assets | $103,256,670 | 4,738 |
| Average earning assets | $98,692,000 | 4,632 |
| Average equity | $9,634,670 | 5,025 |
| Average total loans | $52,079,670 | 4,950 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0122% | 4,066 |
| Cost of funding earning assets | 0.7321% | 1,980 |
| Net interest margin | 3.2801% | 4,587 |
| Noninterest income to average assets | 0.1662% | 6,265 |
| Noninterest expense to average assets | 1.4026% | 6,817 |
| Loan and lease loss provision to assets | 0.0580% | 3,663 |
| Net operating income to assets | 1.8393% | 446 |
| Return on assets (ROA) | 1.8393% | 492 |
| Pretax return on assets | 1.8393% | 819 |
| Return on Equity (ROE) | 19.7204% | 314 |
| Retained earnings to average equity (ytd only) | -4.7644% | 6,348 |
| Net charge-offs to loans | -0.0077% | 5,363 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5059% | 6,821 |
| Assets per employee ($millions) | 6.9925% | 772 |
| Cash dividends to net income (ytd only)* | 124.1597% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0387% | 1,944 |
| Loan loss allowance to noncurrent loans | 44.2857% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 2.3091% | 2,011 |
| Noncurrent loans to loans | 4.6035% | 889 |
| Net loans and leases to total assets | 48.2858% | 5,198 |
| Net loans and leases to deposits | 53.7575% | 5,456 |
| Net loans and leases to core deposits | 58.1697% | 5,335 |
| Total domestic deposits to total assets | 89.8215% | 1,152 |
| Equity capital to assets | 9.1288% | 5,334 |
| Core capital (leverage) ratio | 8.8427% | 5,131 |
| Tier 1 risk-based capital ratio | 11.4833% | 6,193 |
| Total risk-based capital ratio | 12.6043% | 6,232 |
| Memoranda: | ||
| Average total assets | $103,519,000 | 4,778 |
| Average earning assets | $98,898,000 | 4,658 |
| Average equity | $9,655,000 | 5,079 |
| Average total loans | $52,041,000 | 4,982 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9873% | 1,598 |
| Cost of funding earning assets | 0.9135% | 1,857 |
| Net interest margin | 4.0738% | 2,107 |
| Noninterest income to average assets | 0.1882% | 6,059 |
| Noninterest expense to average assets | 2.0645% | 6,200 |
| Loan and lease loss provision to assets | 0.1854% | 3,321 |
| Net operating income to assets | 1.8016% | 507 |
| Return on assets (ROA) | 1.8016% | 571 |
| Pretax return on assets | 1.8016% | 917 |
| Return on Equity (ROE) | 19.8293% | 310 |
| Retained earnings to average equity (ytd only) | 2.6855% | 4,348 |
| Net charge-offs to loans | 0.0094% | 5,809 |
| Credit loss provision to net charge-offs | 3,920.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 420.2000% | 95 |
| Efficiency ratio | 50.9570% | 6,527 |
| Assets per employee ($millions) | 6.8100% | 855 |
| Cash dividends to net income (ytd only)* | 86.4567% | 810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9816% | 2,065 |
| Loan loss allowance to noncurrent loans | 1,104.2553% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1341% | 6,229 |
| Noncurrent loans to loans | 0.1795% | 6,024 |
| Net loans and leases to total assets | 50.2633% | 5,135 |
| Net loans and leases to deposits | 58.1459% | 5,228 |
| Net loans and leases to core deposits | 63.2604% | 5,038 |
| Total domestic deposits to total assets | 86.4435% | 3,130 |
| Equity capital to assets | 9.5301% | 4,833 |
| Core capital (leverage) ratio | 8.6910% | 5,338 |
| Tier 1 risk-based capital ratio | 12.1331% | 5,699 |
| Total risk-based capital ratio | 13.3186% | 5,702 |
| Memoranda: | ||
| Average total assets | $105,740,800 | 4,687 |
| Average earning assets | $100,274,600 | 4,591 |
| Average equity | $9,607,000 | 5,072 |
| Average total loans | $52,919,400 | 4,986 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9580% | 1,808 |
| Cost of funding earning assets | 0.9465% | 1,871 |
| Net interest margin | 4.0115% | 2,458 |
| Noninterest income to average assets | 0.1813% | 6,219 |
| Noninterest expense to average assets | 2.1118% | 6,140 |
| Loan and lease loss provision to assets | 0.2263% | 2,799 |
| Net operating income to assets | 1.6429% | 773 |
| Return on assets (ROA) | 1.6429% | 851 |
| Pretax return on assets | 1.6429% | 1,441 |
| Return on Equity (ROE) | 18.2972% | 468 |
| Retained earnings to average equity (ytd only) | 2.6875% | 4,949 |
| Net charge-offs to loans | 0.0075% | 5,626 |
| Credit loss provision to net charge-offs | 6,033.3333% | 43 |
| Earnings coverage of net charge-offs (x) | 498.3200% | 90 |
| Efficiency ratio | 53.0465% | 6,347 |
| Assets per employee ($millions) | 7.2196% | 663 |
| Cash dividends to net income (ytd only)* | 85.3119% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8652% | 2,600 |
| Loan loss allowance to noncurrent loans | 55.6219% | 4,869 |
| Noncurrent assets plus other real estate owned to assets | 1.7526% | 2,974 |
| Noncurrent loans to loans | 3.3533% | 1,637 |
| Net loans and leases to total assets | 49.7507% | 5,340 |
| Net loans and leases to deposits | 59.2765% | 5,288 |
| Net loans and leases to core deposits | 65.1050% | 5,045 |
| Total domestic deposits to total assets | 83.9299% | 4,251 |
| Equity capital to assets | 8.9876% | 5,838 |
| Core capital (leverage) ratio | 8.6301% | 5,579 |
| Tier 1 risk-based capital ratio | 11.3088% | 6,351 |
| Total risk-based capital ratio | 12.4828% | 6,356 |
| Memoranda: | ||
| Average total assets | $106,638,500 | 4,716 |
| Average earning assets | $101,006,500 | 4,624 |
| Average equity | $9,575,000 | 5,134 |
| Average total loans | $53,053,750 | 5,031 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9459% | 1,937 |
| Cost of funding earning assets | 0.9987% | 1,770 |
| Net interest margin | 3.9472% | 2,728 |
| Noninterest income to average assets | 0.1980% | 6,138 |
| Noninterest expense to average assets | 2.1756% | 6,067 |
| Loan and lease loss provision to assets | 0.2752% | 2,385 |
| Net operating income to assets | 1.4875% | 1,013 |
| Return on assets (ROA) | 1.4875% | 1,136 |
| Pretax return on assets | 1.4875% | 1,886 |
| Return on Equity (ROE) | 16.5716% | 691 |
| Retained earnings to average equity (ytd only) | 1.1342% | 5,617 |
| Net charge-offs to loans | 0.0153% | 5,210 |
| Credit loss provision to net charge-offs | 3,650.0000% | 78 |
| Earnings coverage of net charge-offs (x) | 233.7500% | 181 |
| Efficiency ratio | 55.2417% | 6,201 |
| Assets per employee ($millions) | 7.0319% | 716 |
| Cash dividends to net income (ytd only)* | 93.1559% | 542 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8302% | 2,757 |
| Loan loss allowance to noncurrent loans | 60.2807% | 4,629 |
| Noncurrent assets plus other real estate owned to assets | 1.6439% | 3,258 |
| Noncurrent loans to loans | 3.0362% | 1,942 |
| Net loans and leases to total assets | 50.2413% | 5,327 |
| Net loans and leases to deposits | 61.0221% | 5,129 |
| Net loans and leases to core deposits | 62.9084% | 5,307 |
| Total domestic deposits to total assets | 82.3330% | 5,006 |
| Equity capital to assets | 8.9639% | 5,738 |
| Core capital (leverage) ratio | 8.6334% | 5,472 |
| Tier 1 risk-based capital ratio | 11.3989% | 6,280 |
| Total risk-based capital ratio | 12.5702% | 6,306 |
| Memoranda: | ||
| Average total assets | $106,086,670 | 4,749 |
| Average earning assets | $100,528,000 | 4,657 |
| Average equity | $9,522,330 | 5,151 |
| Average total loans | $52,438,000 | 5,090 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9810% | 1,956 |
| Cost of funding earning assets | 1.0351% | 1,771 |
| Net interest margin | 3.9459% | 2,742 |
| Noninterest income to average assets | 0.1880% | 6,253 |
| Noninterest expense to average assets | 2.1017% | 6,270 |
| Loan and lease loss provision to assets | 0.3121% | 2,010 |
| Net operating income to assets | 1.5152% | 996 |
| Return on assets (ROA) | 1.5152% | 1,118 |
| Pretax return on assets | 1.5152% | 1,834 |
| Return on Equity (ROE) | 16.8690% | 693 |
| Retained earnings to average equity (ytd only) | 2.9301% | 4,788 |
| Net charge-offs to loans | -0.0155% | 6,094 |
| Credit loss provision to net charge-offs | -4,150.0000% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4928% | 6,394 |
| Assets per employee ($millions) | 6.6175% | 922 |
| Cash dividends to net income (ytd only)* | 82.6303% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8160% | 2,936 |
| Loan loss allowance to noncurrent loans | 62.5672% | 4,393 |
| Noncurrent assets plus other real estate owned to assets | 1.4951% | 3,622 |
| Noncurrent loans to loans | 2.9025% | 2,226 |
| Net loans and leases to total assets | 47.5406% | 5,620 |
| Net loans and leases to deposits | 55.7542% | 5,634 |
| Net loans and leases to core deposits | 57.4016% | 5,767 |
| Total domestic deposits to total assets | 85.2682% | 3,895 |
| Equity capital to assets | 9.0121% | 5,479 |
| Core capital (leverage) ratio | 8.6682% | 5,354 |
| Tier 1 risk-based capital ratio | 11.6199% | 6,210 |
| Total risk-based capital ratio | 12.7851% | 6,241 |
| Memoranda: | ||
| Average total assets | $106,390,500 | 4,781 |
| Average earning assets | $100,864,000 | 4,677 |
| Average equity | $9,556,000 | 5,157 |
| Average total loans | $51,666,000 | 5,157 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 2,369 |
| Cost of funding earning assets | 1.4577% | 841 |
| Net interest margin | 3.6630% | 4,462 |
| Noninterest income to average assets | 0.1772% | 6,223 |
| Noninterest expense to average assets | 2.2804% | 6,085 |
| Loan and lease loss provision to assets | 0.6667% | 1,537 |
| Net operating income to assets | 0.6986% | 3,497 |
| Return on assets (ROA) | 0.6986% | 3,684 |
| Pretax return on assets | 0.6986% | 4,324 |
| Return on Equity (ROE) | 8.1403% | 2,838 |
| Retained earnings to average equity (ytd only) | 3.3872% | 3,813 |
| Net charge-offs to loans | 0.8909% | 1,949 |
| Credit loss provision to net charge-offs | 150.3171% | 1,877 |
| Earnings coverage of net charge-offs (x) | 3.0782% | 3,668 |
| Efficiency ratio | 62.5514% | 5,373 |
| Assets per employee ($millions) | 6.6813% | 867 |
| Cash dividends to net income (ytd only)* | 58.3893% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6268% | 3,481 |
| Loan loss allowance to noncurrent loans | 54.9287% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.4686% | 3,763 |
| Noncurrent loans to loans | 2.9617% | 2,191 |
| Net loans and leases to total assets | 47.9116% | 5,832 |
| Net loans and leases to deposits | 55.2997% | 5,953 |
| Net loans and leases to core deposits | 56.7248% | 6,104 |
| Total domestic deposits to total assets | 86.6400% | 2,954 |
| Equity capital to assets | 8.9522% | 5,601 |
| Core capital (leverage) ratio | 8.5610% | 5,463 |
| Tier 1 risk-based capital ratio | 11.3133% | 6,285 |
| Total risk-based capital ratio | 12.3738% | 6,372 |
| Memoranda: | ||
| Average total assets | $106,645,800 | 4,717 |
| Average earning assets | $100,982,000 | 4,611 |
| Average equity | $9,152,000 | 5,239 |
| Average total loans | $53,095,200 | 5,151 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1258% | 2,489 |
| Cost of funding earning assets | 1.5344% | 759 |
| Net interest margin | 3.5914% | 4,807 |
| Noninterest income to average assets | 0.1701% | 6,371 |
| Noninterest expense to average assets | 2.3018% | 6,029 |
| Loan and lease loss provision to assets | 0.7481% | 1,273 |
| Net operating income to assets | 0.5166% | 4,468 |
| Return on assets (ROA) | 0.5166% | 4,659 |
| Pretax return on assets | 0.5166% | 5,109 |
| Return on Equity (ROE) | 6.0862% | 3,985 |
| Retained earnings to average equity (ytd only) | 2.1515% | 5,051 |
| Net charge-offs to loans | 1.1670% | 1,346 |
| Credit loss provision to net charge-offs | 128.0514% | 2,493 |
| Earnings coverage of net charge-offs (x) | 2.1649% | 4,051 |
| Efficiency ratio | 64.5388% | 4,975 |
| Assets per employee ($millions) | 6.6203% | 891 |
| Cash dividends to net income (ytd only)* | 64.6491% | 1,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4851% | 4,176 |
| Loan loss allowance to noncurrent loans | 42.5201% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 1.6767% | 3,573 |
| Noncurrent loans to loans | 3.4927% | 1,971 |
| Net loans and leases to total assets | 46.2804% | 6,120 |
| Net loans and leases to deposits | 50.7742% | 6,459 |
| Net loans and leases to core deposits | 52.0227% | 6,566 |
| Total domestic deposits to total assets | 91.1493% | 390 |
| Equity capital to assets | 8.6043% | 6,198 |
| Core capital (leverage) ratio | 8.2943% | 5,983 |
| Tier 1 risk-based capital ratio | 11.6084% | 6,170 |
| Total risk-based capital ratio | 12.5756% | 6,335 |
| Memoranda: | ||
| Average total assets | $106,582,000 | 4,746 |
| Average earning assets | $100,794,750 | 4,648 |
| Average equity | $9,047,500 | 5,294 |
| Average total loans | $53,352,750 | 5,188 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2778% | 1,963 |
| Cost of funding earning assets | 1.5812% | 759 |
| Net interest margin | 3.6967% | 4,277 |
| Noninterest income to average assets | 0.1629% | 6,487 |
| Noninterest expense to average assets | 2.3090% | 6,096 |
| Loan and lease loss provision to assets | 0.8932% | 1,004 |
| Net operating income to assets | 0.4588% | 4,682 |
| Return on assets (ROA) | 0.4588% | 4,813 |
| Pretax return on assets | 0.4588% | 5,195 |
| Return on Equity (ROE) | 5.4292% | 4,245 |
| Retained earnings to average equity (ytd only) | 3.6121% | 3,937 |
| Net charge-offs to loans | 1.6939% | 853 |
| Credit loss provision to net charge-offs | 103.2468% | 2,992 |
| Earnings coverage of net charge-offs (x) | 1.5628% | 4,118 |
| Efficiency ratio | 63.0691% | 5,391 |
| Assets per employee ($millions) | 6.2912% | 1,022 |
| Cash dividends to net income (ytd only)* | 33.4694% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 5,546 |
| Loan loss allowance to noncurrent loans | 41.0138% | 5,584 |
| Noncurrent assets plus other real estate owned to assets | 1.5072% | 3,941 |
| Noncurrent loans to loans | 2.9251% | 2,493 |
| Net loans and leases to total assets | 47.9724% | 6,053 |
| Net loans and leases to deposits | 52.5789% | 6,425 |
| Net loans and leases to core deposits | 53.8526% | 6,570 |
| Total domestic deposits to total assets | 91.2390% | 412 |
| Equity capital to assets | 8.5226% | 6,158 |
| Core capital (leverage) ratio | 8.3139% | 5,851 |
| Tier 1 risk-based capital ratio | 11.4895% | 6,172 |
| Total risk-based capital ratio | 12.2949% | 6,477 |
| Memoranda: | ||
| Average total assets | $106,801,330 | 4,783 |
| Average earning assets | $101,064,330 | 4,682 |
| Average equity | $9,025,330 | 5,320 |
| Average total loans | $54,550,000 | 5,188 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 1,761 |
| Cost of funding earning assets | 1.5968% | 830 |
| Net interest margin | 3.7403% | 3,891 |
| Noninterest income to average assets | 0.1911% | 6,354 |
| Noninterest expense to average assets | 2.3349% | 6,093 |
| Loan and lease loss provision to assets | 1.1656% | 607 |
| Net operating income to assets | 0.2286% | 5,685 |
| Return on assets (ROA) | 0.2286% | 5,751 |
| Pretax return on assets | 0.2286% | 5,875 |
| Return on Equity (ROE) | 2.7170% | 5,510 |
| Retained earnings to average equity (ytd only) | 1.7371% | 5,076 |
| Net charge-offs to loans | 1.6756% | 791 |
| Credit loss provision to net charge-offs | 132.9060% | 2,088 |
| Earnings coverage of net charge-offs (x) | 1.5897% | 3,518 |
| Efficiency ratio | 62.6131% | 5,584 |
| Assets per employee ($millions) | 6.6259% | 873 |
| Cash dividends to net income (ytd only)* | 36.0656% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2621% | 5,329 |
| Loan loss allowance to noncurrent loans | 38.6697% | 5,723 |
| Noncurrent assets plus other real estate owned to assets | 1.7252% | 3,665 |
| Noncurrent loans to loans | 3.2639% | 2,301 |
| Net loans and leases to total assets | 50.6211% | 5,763 |
| Net loans and leases to deposits | 55.4452% | 6,183 |
| Net loans and leases to core deposits | 57.0988% | 6,337 |
| Total domestic deposits to total assets | 91.2993% | 486 |
| Equity capital to assets | 8.4762% | 5,946 |
| Core capital (leverage) ratio | 8.2486% | 5,903 |
| Tier 1 risk-based capital ratio | 11.3121% | 6,245 |
| Total risk-based capital ratio | 12.1976% | 6,522 |
| Memoranda: | ||
| Average total assets | $106,726,500 | 4,817 |
| Average earning assets | $100,955,000 | 4,708 |
| Average equity | $8,980,500 | 5,338 |
| Average total loans | $55,860,000 | 5,181 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7024% | 1,564 |
| Cost of funding earning assets | 1.9051% | 830 |
| Net interest margin | 3.7973% | 3,957 |
| Noninterest income to average assets | 0.2048% | 6,321 |
| Noninterest expense to average assets | 2.2502% | 6,480 |
| Loan and lease loss provision to assets | 0.6370% | 2,585 |
| Net operating income to assets | 0.8850% | 2,447 |
| Return on assets (ROA) | 0.8850% | 2,582 |
| Pretax return on assets | 0.8850% | 3,354 |
| Return on Equity (ROE) | 10.2185% | 1,850 |
| Retained earnings to average equity (ytd only) | -4.3607% | 6,235 |
| Net charge-offs to loans | 1.4322% | 1,550 |
| Credit loss provision to net charge-offs | 87.7102% | 5,221 |
| Earnings coverage of net charge-offs (x) | 2.0957% | 4,147 |
| Efficiency ratio | 59.6513% | 6,099 |
| Assets per employee ($millions) | 6.7149% | 856 |
| Cash dividends to net income (ytd only)* | 142.6752% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0598% | 6,107 |
| Loan loss allowance to noncurrent loans | 20.9800% | 6,770 |
| Noncurrent assets plus other real estate owned to assets | 2.7486% | 2,539 |
| Noncurrent loans to loans | 5.0516% | 1,325 |
| Net loans and leases to total assets | 52.8305% | 5,809 |
| Net loans and leases to deposits | 66.6541% | 5,313 |
| Net loans and leases to core deposits | 68.9136% | 5,566 |
| Total domestic deposits to total assets | 79.2606% | 6,019 |
| Equity capital to assets | 8.3537% | 6,071 |
| Core capital (leverage) ratio | 8.2741% | 5,719 |
| Tier 1 risk-based capital ratio | 10.8033% | 6,485 |
| Total risk-based capital ratio | 11.5562% | 6,797 |
| Memoranda: | ||
| Average total assets | $106,436,600 | 4,816 |
| Average earning assets | $99,993,200 | 4,728 |
| Average equity | $9,218,600 | 5,350 |
| Average total loans | $53,972,000 | 5,318 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8098% | 1,366 |
| Cost of funding earning assets | 1.9884% | 783 |
| Net interest margin | 3.8215% | 3,876 |
| Noninterest income to average assets | 0.2210% | 6,329 |
| Noninterest expense to average assets | 2.1860% | 6,644 |
| Loan and lease loss provision to assets | 0.1482% | 5,556 |
| Net operating income to assets | 1.4703% | 979 |
| Return on assets (ROA) | 1.4703% | 1,053 |
| Pretax return on assets | 1.4703% | 1,687 |
| Return on Equity (ROE) | 16.8252% | 610 |
| Retained earnings to average equity (ytd only) | -0.8333% | 5,986 |
| Net charge-offs to loans | 0.4216% | 3,602 |
| Credit loss provision to net charge-offs | 70.2381% | 5,412 |
| Earnings coverage of net charge-offs (x) | 7.6728% | 2,286 |
| Efficiency ratio | 57.4587% | 6,349 |
| Assets per employee ($millions) | 6.7224% | 875 |
| Cash dividends to net income (ytd only)* | 104.9536% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1928% | 5,532 |
| Loan loss allowance to noncurrent loans | 25.6289% | 6,600 |
| Noncurrent assets plus other real estate owned to assets | 2.5019% | 2,868 |
| Noncurrent loans to loans | 4.6540% | 1,527 |
| Net loans and leases to total assets | 50.2157% | 6,303 |
| Net loans and leases to deposits | 69.2316% | 5,242 |
| Net loans and leases to core deposits | 71.7897% | 5,538 |
| Total domestic deposits to total assets | 72.5330% | 7,077 |
| Equity capital to assets | 8.7516% | 5,934 |
| Core capital (leverage) ratio | 8.4787% | 5,550 |
| Tier 1 risk-based capital ratio | 11.5873% | 5,840 |
| Total risk-based capital ratio | 12.4203% | 6,218 |
| Memoranda: | ||
| Average total assets | $106,186,250 | 4,883 |
| Average earning assets | $99,575,750 | 4,795 |
| Average equity | $9,279,500 | 5,409 |
| Average total loans | $53,123,000 | 5,431 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8763% | 1,238 |
| Cost of funding earning assets | 2.0328% | 816 |
| Net interest margin | 3.8435% | 3,697 |
| Noninterest income to average assets | 0.1911% | 6,533 |
| Noninterest expense to average assets | 2.1470% | 6,774 |
| Loan and lease loss provision to assets | 0.1230% | 5,664 |
| Net operating income to assets | 1.5228% | 869 |
| Return on assets (ROA) | 1.5228% | 930 |
| Pretax return on assets | 1.5228% | 1,497 |
| Return on Equity (ROE) | 17.4337% | 524 |
| Retained earnings to average equity (ytd only) | 2.1224% | 4,793 |
| Net charge-offs to loans | 0.1825% | 4,516 |
| Credit loss provision to net charge-offs | 135.4167% | 2,958 |
| Earnings coverage of net charge-offs (x) | 18.1250% | 1,303 |
| Efficiency ratio | 56.6085% | 6,558 |
| Assets per employee ($millions) | 6.1022% | 1,155 |
| Cash dividends to net income (ytd only)* | 87.8261% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4011% | 4,411 |
| Loan loss allowance to noncurrent loans | 71.6849% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 1.1134% | 4,906 |
| Noncurrent loans to loans | 1.9545% | 3,780 |
| Net loans and leases to total assets | 48.7758% | 6,567 |
| Net loans and leases to deposits | 73.0208% | 4,827 |
| Net loans and leases to core deposits | 74.2030% | 5,423 |
| Total domestic deposits to total assets | 66.7971% | 7,494 |
| Equity capital to assets | 9.1866% | 5,163 |
| Core capital (leverage) ratio | 9.0922% | 4,474 |
| Tier 1 risk-based capital ratio | 12.4517% | 4,905 |
| Total risk-based capital ratio | 13.4223% | 5,128 |
| Memoranda: | ||
| Average total assets | $105,729,000 | 4,923 |
| Average earning assets | $99,076,670 | 4,838 |
| Average equity | $9,235,000 | 5,438 |
| Average total loans | $52,609,670 | 5,485 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4441% | 2,844 |
| Cost of funding earning assets | 2.1648% | 660 |
| Net interest margin | 3.2793% | 6,049 |
| Noninterest income to average assets | 0.1874% | 6,618 |
| Noninterest expense to average assets | 2.0726% | 7,009 |
| Loan and lease loss provision to assets | 0.1199% | 5,389 |
| Net operating income to assets | 1.0607% | 1,961 |
| Return on assets (ROA) | 1.0607% | 2,032 |
| Pretax return on assets | 1.0607% | 2,875 |
| Return on Equity (ROE) | 12.4567% | 1,377 |
| Retained earnings to average equity (ytd only) | -6.2063% | 6,676 |
| Net charge-offs to loans | 0.3530% | 2,994 |
| Credit loss provision to net charge-offs | 68.0851% | 4,148 |
| Earnings coverage of net charge-offs (x) | 6.7021% | 2,184 |
| Efficiency ratio | 63.7097% | 5,545 |
| Assets per employee ($millions) | 6.5796% | 954 |
| Cash dividends to net income (ytd only)* | 149.8233% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3125% | 4,864 |
| Loan loss allowance to noncurrent loans | 22.6882% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 3.0445% | 2,348 |
| Noncurrent loans to loans | 5.7848% | 1,171 |
| Net loans and leases to total assets | 49.0696% | 6,571 |
| Net loans and leases to deposits | 73.8189% | 4,766 |
| Net loans and leases to core deposits | 85.0167% | 4,050 |
| Total domestic deposits to total assets | 66.4729% | 7,599 |
| Equity capital to assets | 8.5606% | 5,928 |
| Core capital (leverage) ratio | 8.3678% | 5,614 |
| Tier 1 risk-based capital ratio | 12.4284% | 4,816 |
| Total risk-based capital ratio | 13.3787% | 5,024 |
| Memoranda: | ||
| Average total assets | $106,724,500 | 4,961 |
| Average earning assets | $99,777,500 | 4,882 |
| Average equity | $9,087,500 | 5,517 |
| Average total loans | $53,255,500 | 5,528 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9452% | 2,062 |
| Cost of funding earning assets | 2.5998% | 778 |
| Net interest margin | 3.3455% | 5,568 |
| Noninterest income to average assets | 0.2376% | 6,393 |
| Noninterest expense to average assets | 1.7194% | 7,681 |
| Loan and lease loss provision to assets | 0.3035% | 5,004 |
| Net operating income to assets | 1.3812% | 884 |
| Return on assets (ROA) | 1.3812% | 935 |
| Pretax return on assets | 1.3812% | 1,478 |
| Return on Equity (ROE) | 17.4679% | 411 |
| Retained earnings to average equity (ytd only) | 0.7237% | 4,504 |
| Net charge-offs to loans | 0.0810% | 6,296 |
| Credit loss provision to net charge-offs | 833.3333% | 347 |
| Earnings coverage of net charge-offs (x) | 46.2619% | 555 |
| Efficiency ratio | 50.5094% | 7,510 |
| Assets per employee ($millions) | 6.7610% | 880 |
| Cash dividends to net income (ytd only)* | 95.8569% | 721 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2978% | 4,782 |
| Loan loss allowance to noncurrent loans | 277.8656% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.4530% | 6,322 |
| Noncurrent loans to loans | 0.4671% | 6,324 |
| Net loans and leases to total assets | 49.4232% | 6,693 |
| Net loans and leases to deposits | 82.5380% | 3,539 |
| Net loans and leases to core deposits | 107.1552% | 3,195 |
| Total domestic deposits to total assets | 59.8793% | 7,803 |
| Equity capital to assets | 8.4705% | 5,925 |
| Core capital (leverage) ratio | 8.3006% | 5,613 |
| Tier 1 risk-based capital ratio | 12.2426% | 4,729 |
| Total risk-based capital ratio | 13.1856% | 4,950 |
| Memoranda: | ||
| Average total assets | $115,330,600 | 4,692 |
| Average earning assets | $109,163,000 | 4,591 |
| Average equity | $9,119,600 | 5,573 |
| Average total loans | $51,840,600 | 5,593 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9146% | 2,386 |
| Cost of funding earning assets | 2.6969% | 798 |
| Net interest margin | 3.2178% | 5,954 |
| Noninterest income to average assets | 0.2516% | 6,433 |
| Noninterest expense to average assets | 1.6883% | 7,773 |
| Loan and lease loss provision to assets | 0.2846% | 4,698 |
| Net operating income to assets | 1.3308% | 1,153 |
| Return on assets (ROA) | 1.3308% | 1,217 |
| Pretax return on assets | 1.3308% | 1,872 |
| Return on Equity (ROE) | 17.1113% | 539 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,202 |
| Net charge-offs to loans | 0.0650% | 6,039 |
| Credit loss provision to net charge-offs | 1,000.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 56.7642% | 576 |
| Efficiency ratio | 51.1027% | 7,476 |
| Assets per employee ($millions) | 6.9456% | 806 |
| Cash dividends to net income (ytd only)* | 100.0000% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1457% | 5,433 |
| Loan loss allowance to noncurrent loans | 1,409.0909% | 265 |
| Noncurrent assets plus other real estate owned to assets | 0.0396% | 7,478 |
| Noncurrent loans to loans | 0.0813% | 7,286 |
| Net loans and leases to total assets | 48.1386% | 6,942 |
| Net loans and leases to deposits | 83.4038% | 3,754 |
| Net loans and leases to core deposits | 107.8853% | 3,484 |
| Total domestic deposits to total assets | 57.7176% | 7,905 |
| Equity capital to assets | 8.1869% | 6,654 |
| Core capital (leverage) ratio | 8.1217% | 6,148 |
| Tier 1 risk-based capital ratio | 12.7670% | 4,337 |
| Total risk-based capital ratio | 13.6406% | 4,581 |
| Memoranda: | ||
| Average total assets | $117,119,250 | 4,667 |
| Average earning assets | $111,089,250 | 4,553 |
| Average equity | $9,108,750 | 5,630 |
| Average total loans | $51,259,000 | 5,660 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8718% | 2,707 |
| Cost of funding earning assets | 2.7321% | 957 |
| Net interest margin | 3.1396% | 6,126 |
| Noninterest income to average assets | 0.2468% | 6,516 |
| Noninterest expense to average assets | 1.6438% | 7,887 |
| Loan and lease loss provision to assets | 0.2183% | 4,856 |
| Net operating income to assets | 1.3600% | 1,102 |
| Return on assets (ROA) | 1.3600% | 1,170 |
| Pretax return on assets | 1.3600% | 1,829 |
| Return on Equity (ROE) | 17.7781% | 508 |
| Retained earnings to average equity (ytd only) | 0.8340% | 4,852 |
| Net charge-offs to loans | -0.0557% | 7,864 |
| Credit loss provision to net charge-offs | -928.5714% | 7,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0162% | 7,592 |
| Assets per employee ($millions) | 6.9324% | 790 |
| Cash dividends to net income (ytd only)* | 95.3086% | 795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0319% | 6,007 |
| Loan loss allowance to noncurrent loans | 139.7403% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.3471% | 6,583 |
| Noncurrent loans to loans | 0.7385% | 5,766 |
| Net loans and leases to total assets | 46.5191% | 7,160 |
| Net loans and leases to deposits | 79.6450% | 4,589 |
| Net loans and leases to core deposits | 101.4331% | 4,355 |
| Total domestic deposits to total assets | 58.4080% | 7,972 |
| Equity capital to assets | 8.2196% | 6,461 |
| Core capital (leverage) ratio | 7.9218% | 6,451 |
| Tier 1 risk-based capital ratio | 12.9902% | 4,153 |
| Total risk-based capital ratio | 13.7583% | 4,437 |
| Memoranda: | ||
| Average total assets | $119,116,000 | 4,659 |
| Average earning assets | $112,879,000 | 4,543 |
| Average equity | $9,112,330 | 5,646 |
| Average total loans | $50,306,670 | 5,754 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7405% | 3,582 |
| Cost of funding earning assets | 2.7447% | 1,126 |
| Net interest margin | 2.9958% | 6,486 |
| Noninterest income to average assets | 0.2143% | 6,764 |
| Noninterest expense to average assets | 1.5096% | 7,979 |
| Loan and lease loss provision to assets | 0.1883% | 4,557 |
| Net operating income to assets | 1.3440% | 1,280 |
| Return on assets (ROA) | 1.3440% | 1,371 |
| Pretax return on assets | 1.3440% | 2,140 |
| Return on Equity (ROE) | 18.1778% | 580 |
| Retained earnings to average equity (ytd only) | 2.4149% | 4,534 |
| Net charge-offs to loans | -0.0972% | 7,869 |
| Credit loss provision to net charge-offs | -483.3333% | 6,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6265% | 7,610 |
| Assets per employee ($millions) | 7.5457% | 609 |
| Cash dividends to net income (ytd only)* | 86.7150% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9406% | 6,551 |
| Loan loss allowance to noncurrent loans | 801.7241% | 472 |
| Noncurrent assets plus other real estate owned to assets | 0.4580% | 6,116 |
| Noncurrent loans to loans | 0.1173% | 7,189 |
| Net loans and leases to total assets | 40.5629% | 7,537 |
| Net loans and leases to deposits | 72.5232% | 5,679 |
| Net loans and leases to core deposits | 90.8117% | 5,476 |
| Total domestic deposits to total assets | 55.9310% | 8,044 |
| Equity capital to assets | 7.5705% | 7,293 |
| Core capital (leverage) ratio | 7.4159% | 7,259 |
| Tier 1 risk-based capital ratio | 13.5866% | 3,807 |
| Total risk-based capital ratio | 14.2795% | 4,085 |
| Memoranda: | ||
| Average total assets | $123,215,000 | 4,570 |
| Average earning assets | $116,296,000 | 4,472 |
| Average equity | $9,110,000 | 5,662 |
| Average total loans | $49,392,000 | 5,825 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2879% | 4,035 |
| Cost of funding earning assets | 3.5468% | 457 |
| Net interest margin | 2.7411% | 7,426 |
| Noninterest income to average assets | 0.2135% | 6,911 |
| Noninterest expense to average assets | 1.3942% | 8,079 |
| Loan and lease loss provision to assets | 0.1018% | 6,080 |
| Net operating income to assets | 1.3014% | 1,481 |
| Return on assets (ROA) | 1.3014% | 1,429 |
| Pretax return on assets | 1.3014% | 2,302 |
| Return on Equity (ROE) | 17.3977% | 583 |
| Retained earnings to average equity (ytd only) | -0.2854% | 5,372 |
| Net charge-offs to loans | 0.0911% | 5,435 |
| Credit loss provision to net charge-offs | 281.8182% | 1,619 |
| Earnings coverage of net charge-offs (x) | 38.8409% | 963 |
| Efficiency ratio | 49.8386% | 7,675 |
| Assets per employee ($millions) | 7.8562% | 485 |
| Cash dividends to net income (ytd only)* | 101.6404% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8005% | 7,110 |
| Loan loss allowance to noncurrent loans | 877.7778% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.4296% | 5,928 |
| Noncurrent loans to loans | 0.0912% | 7,151 |
| Net loans and leases to total assets | 38.9438% | 7,716 |
| Net loans and leases to deposits | 79.4830% | 5,135 |
| Net loans and leases to core deposits | 101.3898% | 4,682 |
| Total domestic deposits to total assets | 48.9964% | 8,132 |
| Equity capital to assets | 7.2236% | 7,606 |
| Core capital (leverage) ratio | 7.3416% | 7,374 |
| Tier 1 risk-based capital ratio | 13.2672% | 3,956 |
| Total risk-based capital ratio | 13.8456% | 4,281 |
| Memoranda: | ||
| Average total assets | $121,790,400 | 4,470 |
| Average earning assets | $114,807,800 | 4,393 |
| Average equity | $9,110,400 | 5,703 |
| Average total loans | $48,309,800 | 5,766 |