Home > Star Bank of Texas > Performance and Condition Ratios
Star Bank of Texas, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4453% | 1,668 |
| Cost of funding earning assets | 0.2617% | 4,593 |
| Net interest margin | 4.1836% | 1,135 |
| Noninterest income to average assets | 0.3469% | 4,252 |
| Noninterest expense to average assets | 2.5335% | 3,968 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3421% | 1,145 |
| Return on assets (ROA) | 1.3421% | 1,226 |
| Pretax return on assets | 1.8141% | 827 |
| Return on Equity (ROE) | 14.9604% | 673 |
| Retained earnings to average equity (ytd only) | 14.9604% | 248 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2734% | 4,961 |
| Assets per employee ($millions) | 4.4327% | 3,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0381% | 4,398 |
| Loan loss allowance to noncurrent loans | 700.8000% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.0881% | 5,231 |
| Noncurrent loans to loans | 0.1481% | 4,880 |
| Net loans and leases to total assets | 58.8706% | 3,940 |
| Net loans and leases to deposits | 64.9834% | 4,346 |
| Net loans and leases to core deposits | 68.6871% | 4,342 |
| Total domestic deposits to total assets | 90.5933% | 404 |
| Equity capital to assets | 9.1057% | 5,078 |
| Core capital (leverage) ratio | 9.0695% | 4,770 |
| Tier 1 risk-based capital ratio | 15.5208% | 2,903 |
| Total risk-based capital ratio | 16.5754% | 2,947 |
| Memoranda: | ||
| Average total assets | $140,674,000 | 3,729 |
| Average earning assets | $134,525,500 | 3,643 |
| Average equity | $12,620,000 | 4,222 |
| Average total loans | $84,345,000 | 3,745 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3996% | 1,906 |
| Cost of funding earning assets | 0.2963% | 4,294 |
| Net interest margin | 4.1033% | 1,408 |
| Noninterest income to average assets | 0.3158% | 4,634 |
| Noninterest expense to average assets | 3.9539% | 716 |
| Loan and lease loss provision to assets | 0.0253% | 3,881 |
| Net operating income to assets | 0.2278% | 5,520 |
| Return on assets (ROA) | 0.3031% | 5,432 |
| Pretax return on assets | 0.3362% | 5,445 |
| Return on Equity (ROE) | 2.9556% | 5,316 |
| Retained earnings to average equity (ytd only) | -16.0673% | 6,100 |
| Net charge-offs to loans | 0.0037% | 4,324 |
| Credit loss provision to net charge-offs | 1,200.0000% | 280 |
| Earnings coverage of net charge-offs (x) | 131.6667% | 465 |
| Efficiency ratio | 93.4353% | 508 |
| Assets per employee ($millions) | 4.3595% | 3,289 |
| Cash dividends to net income (ytd only)* | 643.6195% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0390% | 4,388 |
| Loan loss allowance to noncurrent loans | 1,717.6471% | 369 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,531 |
| Noncurrent loans to loans | 0.0605% | 5,277 |
| Net loans and leases to total assets | 59.8073% | 3,865 |
| Net loans and leases to deposits | 67.4135% | 4,182 |
| Net loans and leases to core deposits | 74.4858% | 3,892 |
| Total domestic deposits to total assets | 88.7171% | 1,277 |
| Equity capital to assets | 8.8342% | 5,279 |
| Core capital (leverage) ratio | 8.7915% | 5,122 |
| Tier 1 risk-based capital ratio | 15.2767% | 3,045 |
| Total risk-based capital ratio | 16.3541% | 3,064 |
| Memoranda: | ||
| Average total assets | $142,188,400 | 3,689 |
| Average earning assets | $135,695,200 | 3,600 |
| Average equity | $14,582,400 | 3,892 |
| Average total loans | $81,257,600 | 3,787 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 2,083 |
| Cost of funding earning assets | 0.2992% | 4,349 |
| Net interest margin | 4.0486% | 1,566 |
| Noninterest income to average assets | 0.3164% | 4,676 |
| Noninterest expense to average assets | 3.0379% | 2,402 |
| Loan and lease loss provision to assets | 0.0336% | 3,552 |
| Net operating income to assets | 0.8198% | 3,337 |
| Return on assets (ROA) | 0.9006% | 3,046 |
| Pretax return on assets | 1.2189% | 2,738 |
| Return on Equity (ROE) | 8.4943% | 2,826 |
| Retained earnings to average equity (ytd only) | 8.4943% | 1,059 |
| Net charge-offs to loans | 0.0050% | 3,998 |
| Credit loss provision to net charge-offs | 1,200.0000% | 316 |
| Earnings coverage of net charge-offs (x) | 408.3225% | 185 |
| Efficiency ratio | 72.6563% | 2,769 |
| Assets per employee ($millions) | 4.2838% | 3,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0382% | 4,537 |
| Loan loss allowance to noncurrent loans | 953.2609% | 607 |
| Noncurrent assets plus other real estate owned to assets | 0.0651% | 5,509 |
| Noncurrent loans to loans | 0.1089% | 5,198 |
| Net loans and leases to total assets | 59.1361% | 3,994 |
| Net loans and leases to deposits | 66.8664% | 4,292 |
| Net loans and leases to core deposits | 73.7549% | 4,038 |
| Total domestic deposits to total assets | 88.4393% | 1,316 |
| Equity capital to assets | 11.0478% | 2,964 |
| Core capital (leverage) ratio | 11.0878% | 2,396 |
| Tier 1 risk-based capital ratio | 19.1579% | 1,734 |
| Total risk-based capital ratio | 20.2261% | 1,747 |
| Memoranda: | ||
| Average total assets | $142,859,750 | 3,704 |
| Average earning assets | $136,372,250 | 3,620 |
| Average equity | $15,147,000 | 3,849 |
| Average total loans | $80,494,750 | 3,840 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2790% | 2,246 |
| Cost of funding earning assets | 0.3024% | 4,373 |
| Net interest margin | 3.9766% | 1,714 |
| Noninterest income to average assets | 0.3153% | 4,696 |
| Noninterest expense to average assets | 3.0218% | 2,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7732% | 3,521 |
| Return on assets (ROA) | 0.8831% | 3,087 |
| Pretax return on assets | 1.2458% | 2,569 |
| Return on Equity (ROE) | 8.4456% | 2,820 |
| Retained earnings to average equity (ytd only) | 8.4456% | 1,099 |
| Net charge-offs to loans | 0.0101% | 3,554 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 195.5000% | 356 |
| Efficiency ratio | 73.4735% | 2,756 |
| Assets per employee ($millions) | 4.0115% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0308% | 4,707 |
| Loan loss allowance to noncurrent loans | 1,864.4444% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0321% | 5,739 |
| Noncurrent loans to loans | 0.0553% | 5,518 |
| Net loans and leases to total assets | 57.3748% | 4,177 |
| Net loans and leases to deposits | 64.6808% | 4,470 |
| Net loans and leases to core deposits | 71.3687% | 4,188 |
| Total domestic deposits to total assets | 88.7047% | 1,294 |
| Equity capital to assets | 10.8345% | 3,069 |
| Core capital (leverage) ratio | 10.8384% | 2,573 |
| Tier 1 risk-based capital ratio | 18.3872% | 1,955 |
| Total risk-based capital ratio | 19.3892% | 1,987 |
| Memoranda: | ||
| Average total assets | $143,357,330 | 3,724 |
| Average earning assets | $136,902,330 | 3,643 |
| Average equity | $14,990,000 | 3,891 |
| Average total loans | $79,167,670 | 3,908 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2156% | 2,393 |
| Cost of funding earning assets | 0.3063% | 4,370 |
| Net interest margin | 3.9093% | 1,863 |
| Noninterest income to average assets | 0.3259% | 4,578 |
| Noninterest expense to average assets | 2.9220% | 2,829 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8004% | 3,259 |
| Return on assets (ROA) | 1.0053% | 2,380 |
| Pretax return on assets | 1.4334% | 1,763 |
| Return on Equity (ROE) | 9.7856% | 2,100 |
| Retained earnings to average equity (ytd only) | 9.7856% | 978 |
| Net charge-offs to loans | 0.0359% | 2,495 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 59.0000% | 748 |
| Efficiency ratio | 71.9239% | 3,181 |
| Assets per employee ($millions) | 4.1080% | 3,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0678% | 4,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 53.8723% | 4,460 |
| Net loans and leases to deposits | 60.4854% | 4,706 |
| Net loans and leases to core deposits | 66.6715% | 4,460 |
| Total domestic deposits to total assets | 89.0666% | 1,217 |
| Equity capital to assets | 10.5015% | 3,532 |
| Core capital (leverage) ratio | 10.5971% | 2,851 |
| Tier 1 risk-based capital ratio | 19.6938% | 1,693 |
| Total risk-based capital ratio | 20.7822% | 1,684 |
| Memoranda: | ||
| Average total assets | $144,834,500 | 3,733 |
| Average earning assets | $138,439,000 | 3,644 |
| Average equity | $14,879,000 | 3,932 |
| Average total loans | $78,054,000 | 3,958 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5940% | 1,575 |
| Cost of funding earning assets | 0.4191% | 3,487 |
| Net interest margin | 4.1749% | 1,368 |
| Noninterest income to average assets | 0.2977% | 4,993 |
| Noninterest expense to average assets | 2.8925% | 3,174 |
| Loan and lease loss provision to assets | 0.0007% | 4,597 |
| Net operating income to assets | 0.7996% | 3,375 |
| Return on assets (ROA) | 0.8182% | 3,376 |
| Pretax return on assets | 1.1496% | 2,875 |
| Return on Equity (ROE) | 8.5571% | 2,809 |
| Retained earnings to average equity (ytd only) | 6.7090% | 1,544 |
| Net charge-offs to loans | -0.0013% | 5,356 |
| Credit loss provision to net charge-offs | -100.0000% | 5,522 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0130% | 3,211 |
| Assets per employee ($millions) | 4.2909% | 3,377 |
| Cash dividends to net income (ytd only)* | 21.5966% | 3,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 4,626 |
| Loan loss allowance to noncurrent loans | 9,366.6667% | 95 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 6,066 |
| Noncurrent loans to loans | 0.0116% | 5,868 |
| Net loans and leases to total assets | 52.7603% | 4,717 |
| Net loans and leases to deposits | 58.7442% | 5,005 |
| Net loans and leases to core deposits | 64.5988% | 4,785 |
| Total domestic deposits to total assets | 89.8136% | 818 |
| Equity capital to assets | 10.0480% | 4,046 |
| Core capital (leverage) ratio | 10.2709% | 3,212 |
| Tier 1 risk-based capital ratio | 19.3031% | 1,773 |
| Total risk-based capital ratio | 20.4053% | 1,770 |
| Memoranda: | ||
| Average total assets | $145,444,600 | 3,702 |
| Average earning assets | $129,560,600 | 3,782 |
| Average equity | $13,906,600 | 4,041 |
| Average total loans | $75,047,200 | 4,020 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6661% | 1,389 |
| Cost of funding earning assets | 0.4522% | 3,225 |
| Net interest margin | 4.2139% | 1,245 |
| Noninterest income to average assets | 0.2991% | 5,060 |
| Noninterest expense to average assets | 2.8990% | 3,122 |
| Loan and lease loss provision to assets | 0.0009% | 4,391 |
| Net operating income to assets | 0.7675% | 3,579 |
| Return on assets (ROA) | 0.7936% | 3,559 |
| Pretax return on assets | 1.1201% | 3,105 |
| Return on Equity (ROE) | 8.4069% | 2,983 |
| Retained earnings to average equity (ytd only) | 8.4069% | 1,187 |
| Net charge-offs to loans | 0.0054% | 4,508 |
| Credit loss provision to net charge-offs | 33.3333% | 3,398 |
| Earnings coverage of net charge-offs (x) | 393.9900% | 184 |
| Efficiency ratio | 72.7775% | 3,048 |
| Assets per employee ($millions) | 4.3534% | 3,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 4,694 |
| Loan loss allowance to noncurrent loans | 2,327.7778% | 262 |
| Noncurrent assets plus other real estate owned to assets | 0.0251% | 6,073 |
| Noncurrent loans to loans | 0.0478% | 5,822 |
| Net loans and leases to total assets | 51.8206% | 4,830 |
| Net loans and leases to deposits | 57.7951% | 5,117 |
| Net loans and leases to core deposits | 63.6843% | 4,906 |
| Total domestic deposits to total assets | 89.6626% | 899 |
| Equity capital to assets | 10.0346% | 4,125 |
| Core capital (leverage) ratio | 10.0789% | 3,561 |
| Tier 1 risk-based capital ratio | 19.9006% | 1,699 |
| Total risk-based capital ratio | 21.0353% | 1,690 |
| Memoranda: | ||
| Average total assets | $145,333,250 | 3,737 |
| Average earning assets | $127,069,000 | 3,849 |
| Average equity | $13,718,500 | 4,090 |
| Average total loans | $74,355,250 | 4,075 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 1,164 |
| Cost of funding earning assets | 0.4838% | 2,988 |
| Net interest margin | 4.2720% | 1,088 |
| Noninterest income to average assets | 0.2989% | 5,018 |
| Noninterest expense to average assets | 2.8775% | 3,249 |
| Loan and lease loss provision to assets | 0.0014% | 4,183 |
| Net operating income to assets | 0.7411% | 3,616 |
| Return on assets (ROA) | 0.7800% | 3,528 |
| Pretax return on assets | 1.1063% | 3,081 |
| Return on Equity (ROE) | 8.4384% | 2,873 |
| Retained earnings to average equity (ytd only) | 8.4384% | 1,160 |
| Net charge-offs to loans | 0.0081% | 4,120 |
| Credit loss provision to net charge-offs | 33.3333% | 3,009 |
| Earnings coverage of net charge-offs (x) | 256.0000% | 261 |
| Efficiency ratio | 73.2124% | 3,121 |
| Assets per employee ($millions) | 4.3641% | 3,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 4,877 |
| Loan loss allowance to noncurrent loans | 1,948.8372% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.0299% | 6,118 |
| Noncurrent loans to loans | 0.0568% | 5,870 |
| Net loans and leases to total assets | 52.0224% | 4,745 |
| Net loans and leases to deposits | 57.8225% | 5,057 |
| Net loans and leases to core deposits | 64.0649% | 4,817 |
| Total domestic deposits to total assets | 89.9691% | 830 |
| Equity capital to assets | 9.7733% | 4,400 |
| Core capital (leverage) ratio | 9.9793% | 3,646 |
| Tier 1 risk-based capital ratio | 18.6091% | 2,034 |
| Total risk-based capital ratio | 19.6922% | 2,046 |
| Memoranda: | ||
| Average total assets | $145,890,000 | 3,744 |
| Average earning assets | $124,018,000 | 3,931 |
| Average equity | $13,486,000 | 4,136 |
| Average total loans | $74,045,330 | 4,102 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7371% | 1,175 |
| Cost of funding earning assets | 0.5059% | 2,840 |
| Net interest margin | 4.2312% | 1,140 |
| Noninterest income to average assets | 0.3215% | 4,797 |
| Noninterest expense to average assets | 2.8632% | 3,330 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7347% | 3,520 |
| Return on assets (ROA) | 0.7791% | 3,338 |
| Pretax return on assets | 1.0979% | 2,910 |
| Return on Equity (ROE) | 8.6723% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.6723% | 1,351 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4451% | 3,235 |
| Assets per employee ($millions) | 4.3417% | 3,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1432% | 4,903 |
| Loan loss allowance to noncurrent loans | 2,628.1250% | 219 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 6,130 |
| Noncurrent loans to loans | 0.0435% | 6,019 |
| Net loans and leases to total assets | 49.2653% | 4,972 |
| Net loans and leases to deposits | 54.3515% | 5,253 |
| Net loans and leases to core deposits | 60.2892% | 5,014 |
| Total domestic deposits to total assets | 90.6421% | 715 |
| Equity capital to assets | 9.1242% | 4,974 |
| Core capital (leverage) ratio | 9.8032% | 3,857 |
| Tier 1 risk-based capital ratio | 18.6502% | 2,073 |
| Total risk-based capital ratio | 19.7614% | 2,081 |
| Memoranda: | ||
| Average total assets | $146,827,500 | 3,758 |
| Average earning assets | $124,125,500 | 3,959 |
| Average equity | $13,191,500 | 4,201 |
| Average total loans | $73,189,000 | 4,160 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7142% | 1,531 |
| Cost of funding earning assets | 0.5275% | 3,318 |
| Net interest margin | 4.1867% | 1,396 |
| Noninterest income to average assets | 0.3392% | 4,895 |
| Noninterest expense to average assets | 3.0090% | 3,027 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8316% | 3,127 |
| Return on assets (ROA) | 0.8205% | 3,281 |
| Pretax return on assets | 1.0964% | 2,961 |
| Return on Equity (ROE) | 8.9386% | 2,561 |
| Retained earnings to average equity (ytd only) | 7.0987% | 1,400 |
| Net charge-offs to loans | 0.0282% | 4,863 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 78.9500% | 554 |
| Efficiency ratio | 73.0316% | 3,282 |
| Assets per employee ($millions) | 4.2952% | 3,281 |
| Cash dividends to net income (ytd only)* | 20.5832% | 3,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 4,884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 6,310 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 49.2831% | 5,161 |
| Net loans and leases to deposits | 54.1445% | 5,453 |
| Net loans and leases to core deposits | 59.8243% | 5,235 |
| Total domestic deposits to total assets | 91.0214% | 558 |
| Equity capital to assets | 8.8430% | 5,211 |
| Core capital (leverage) ratio | 9.5074% | 4,251 |
| Tier 1 risk-based capital ratio | 18.1967% | 2,185 |
| Total risk-based capital ratio | 19.3032% | 2,196 |
| Memoranda: | ||
| Average total assets | $142,104,800 | 3,841 |
| Average earning assets | $128,336,200 | 3,882 |
| Average equity | $13,044,600 | 4,257 |
| Average total loans | $70,953,000 | 4,232 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6636% | 1,705 |
| Cost of funding earning assets | 0.5289% | 3,477 |
| Net interest margin | 4.1348% | 1,525 |
| Noninterest income to average assets | 0.3533% | 4,872 |
| Noninterest expense to average assets | 3.0299% | 2,886 |
| Loan and lease loss provision to assets | 0.0567% | 3,918 |
| Net operating income to assets | 0.7809% | 3,452 |
| Return on assets (ROA) | 0.8872% | 3,015 |
| Pretax return on assets | 1.1904% | 2,746 |
| Return on Equity (ROE) | 9.5736% | 2,362 |
| Retained earnings to average equity (ytd only) | 9.5736% | 888 |
| Net charge-offs to loans | 0.0359% | 4,421 |
| Credit loss provision to net charge-offs | 315.7895% | 813 |
| Earnings coverage of net charge-offs (x) | 61.5855% | 739 |
| Efficiency ratio | 73.2694% | 3,180 |
| Assets per employee ($millions) | 3.9859% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2338% | 4,719 |
| Loan loss allowance to noncurrent loans | 3,917.3913% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 6,333 |
| Noncurrent loans to loans | 0.0315% | 6,246 |
| Net loans and leases to total assets | 51.7021% | 4,908 |
| Net loans and leases to deposits | 57.1207% | 5,270 |
| Net loans and leases to core deposits | 63.5025% | 4,943 |
| Total domestic deposits to total assets | 90.5137% | 737 |
| Equity capital to assets | 9.2024% | 4,935 |
| Core capital (leverage) ratio | 9.7834% | 3,986 |
| Tier 1 risk-based capital ratio | 18.4183% | 2,170 |
| Total risk-based capital ratio | 19.6171% | 2,153 |
| Memoranda: | ||
| Average total assets | $141,122,000 | 3,897 |
| Average earning assets | $129,081,500 | 3,905 |
| Average equity | $13,077,250 | 4,298 |
| Average total loans | $70,488,250 | 4,284 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6181% | 1,791 |
| Cost of funding earning assets | 0.5362% | 3,535 |
| Net interest margin | 4.0819% | 1,593 |
| Noninterest income to average assets | 0.3628% | 4,793 |
| Noninterest expense to average assets | 2.9959% | 3,012 |
| Loan and lease loss provision to assets | 0.0424% | 4,112 |
| Net operating income to assets | 0.7749% | 3,436 |
| Return on assets (ROA) | 0.9191% | 2,840 |
| Pretax return on assets | 1.2382% | 2,529 |
| Return on Equity (ROE) | 9.8959% | 2,240 |
| Retained earnings to average equity (ytd only) | 9.8959% | 872 |
| Net charge-offs to loans | 0.0287% | 4,292 |
| Credit loss provision to net charge-offs | 300.0000% | 851 |
| Earnings coverage of net charge-offs (x) | 76.9000% | 591 |
| Efficiency ratio | 73.4002% | 3,244 |
| Assets per employee ($millions) | 3.6978% | 4,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2448% | 4,758 |
| Loan loss allowance to noncurrent loans | 1,313.4328% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 6,367 |
| Noncurrent loans to loans | 0.0948% | 6,114 |
| Net loans and leases to total assets | 48.4117% | 5,289 |
| Net loans and leases to deposits | 53.2812% | 5,581 |
| Net loans and leases to core deposits | 59.0670% | 5,340 |
| Total domestic deposits to total assets | 90.8607% | 596 |
| Equity capital to assets | 8.9063% | 5,318 |
| Core capital (leverage) ratio | 9.4476% | 4,325 |
| Tier 1 risk-based capital ratio | 18.4783% | 2,152 |
| Total risk-based capital ratio | 19.6778% | 2,131 |
| Memoranda: | ||
| Average total assets | $141,660,330 | 3,915 |
| Average earning assets | $129,056,330 | 3,919 |
| Average equity | $13,157,000 | 4,311 |
| Average total loans | $69,641,330 | 4,322 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6302% | 1,743 |
| Cost of funding earning assets | 0.5529% | 3,544 |
| Net interest margin | 4.0773% | 1,533 |
| Noninterest income to average assets | 0.3676% | 4,731 |
| Noninterest expense to average assets | 3.0659% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7405% | 3,470 |
| Return on assets (ROA) | 1.0315% | 2,216 |
| Pretax return on assets | 1.3933% | 1,877 |
| Return on Equity (ROE) | 10.8762% | 1,745 |
| Retained earnings to average equity (ytd only) | 10.8762% | 902 |
| Net charge-offs to loans | 0.0289% | 3,622 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 70.2000% | 510 |
| Efficiency ratio | 75.4029% | 3,023 |
| Assets per employee ($millions) | 3.8496% | 4,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 5,061 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0190% | 6,559 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 48.3673% | 5,187 |
| Net loans and leases to deposits | 54.0376% | 5,433 |
| Net loans and leases to core deposits | 58.8202% | 5,262 |
| Total domestic deposits to total assets | 89.5068% | 1,355 |
| Equity capital to assets | 9.3910% | 5,011 |
| Core capital (leverage) ratio | 9.6106% | 3,900 |
| Tier 1 risk-based capital ratio | 18.2557% | 2,271 |
| Total risk-based capital ratio | 19.4336% | 2,259 |
| Memoranda: | ||
| Average total assets | $140,384,000 | 3,978 |
| Average earning assets | $127,339,000 | 3,994 |
| Average equity | $13,313,500 | 4,328 |
| Average total loans | $69,114,000 | 4,373 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9375% | 1,724 |
| Cost of funding earning assets | 0.6168% | 4,202 |
| Net interest margin | 4.3207% | 1,349 |
| Noninterest income to average assets | 0.3709% | 4,822 |
| Noninterest expense to average assets | 3.0761% | 2,996 |
| Loan and lease loss provision to assets | 0.0243% | 5,592 |
| Net operating income to assets | 1.0002% | 2,331 |
| Return on assets (ROA) | 1.3538% | 1,309 |
| Pretax return on assets | 1.8663% | 799 |
| Return on Equity (ROE) | 13.6450% | 1,072 |
| Retained earnings to average equity (ytd only) | 11.9493% | 331 |
| Net charge-offs to loans | 0.0424% | 5,324 |
| Credit loss provision to net charge-offs | 106.8966% | 2,772 |
| Earnings coverage of net charge-offs (x) | 61.9655% | 581 |
| Efficiency ratio | 68.6278% | 4,032 |
| Assets per employee ($millions) | 3.8426% | 4,282 |
| Cash dividends to net income (ytd only)* | 12.4277% | 4,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 4,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 6,624 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 48.8813% | 5,316 |
| Net loans and leases to deposits | 54.7163% | 5,581 |
| Net loans and leases to core deposits | 60.0220% | 5,361 |
| Total domestic deposits to total assets | 89.3359% | 1,344 |
| Equity capital to assets | 9.5791% | 4,781 |
| Core capital (leverage) ratio | 9.7596% | 3,713 |
| Tier 1 risk-based capital ratio | 17.8283% | 2,321 |
| Total risk-based capital ratio | 19.0178% | 2,316 |
| Memoranda: | ||
| Average total assets | $127,790,600 | 4,195 |
| Average earning assets | $121,600,200 | 4,076 |
| Average equity | $12,678,600 | 4,423 |
| Average total loans | $68,426,000 | 4,406 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0469% | 1,567 |
| Cost of funding earning assets | 0.6358% | 4,312 |
| Net interest margin | 4.4112% | 1,182 |
| Noninterest income to average assets | 0.3856% | 4,741 |
| Noninterest expense to average assets | 3.0511% | 3,056 |
| Loan and lease loss provision to assets | 0.0011% | 5,786 |
| Net operating income to assets | 1.0989% | 2,089 |
| Return on assets (ROA) | 1.5522% | 1,041 |
| Pretax return on assets | 2.1615% | 515 |
| Return on Equity (ROE) | 15.4969% | 819 |
| Retained earnings to average equity (ytd only) | 15.4969% | 209 |
| Net charge-offs to loans | 0.0546% | 4,887 |
| Credit loss provision to net charge-offs | 3.5714% | 5,140 |
| Earnings coverage of net charge-offs (x) | 51.3962% | 739 |
| Efficiency ratio | 66.5582% | 4,341 |
| Assets per employee ($millions) | 3.3794% | 5,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2409% | 5,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0216% | 6,715 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 52.9579% | 4,922 |
| Net loans and leases to deposits | 60.2722% | 5,175 |
| Net loans and leases to core deposits | 66.9227% | 4,851 |
| Total domestic deposits to total assets | 87.8646% | 2,119 |
| Equity capital to assets | 10.6655% | 3,644 |
| Core capital (leverage) ratio | 10.4079% | 3,031 |
| Tier 1 risk-based capital ratio | 19.2988% | 1,923 |
| Total risk-based capital ratio | 20.5486% | 1,894 |
| Memoranda: | ||
| Average total assets | $125,155,000 | 4,288 |
| Average earning assets | $119,118,500 | 4,173 |
| Average equity | $12,535,500 | 4,495 |
| Average total loans | $68,412,500 | 4,451 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0841% | 1,545 |
| Cost of funding earning assets | 0.6600% | 4,362 |
| Net interest margin | 4.4241% | 1,140 |
| Noninterest income to average assets | 0.4313% | 4,425 |
| Noninterest expense to average assets | 2.9219% | 3,535 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2259% | 1,621 |
| Return on assets (ROA) | 1.7046% | 743 |
| Pretax return on assets | 2.4027% | 345 |
| Return on Equity (ROE) | 17.3939% | 588 |
| Retained earnings to average equity (ytd only) | 17.3939% | 166 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8306% | 5,112 |
| Assets per employee ($millions) | 3.3881% | 5,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 5,121 |
| Loan loss allowance to noncurrent loans | 976.1364% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1340% | 6,453 |
| Noncurrent loans to loans | 0.1281% | 6,345 |
| Net loans and leases to total assets | 54.1197% | 4,780 |
| Net loans and leases to deposits | 61.2087% | 5,099 |
| Net loans and leases to core deposits | 67.6947% | 4,825 |
| Total domestic deposits to total assets | 88.4182% | 1,869 |
| Equity capital to assets | 10.1842% | 4,070 |
| Core capital (leverage) ratio | 9.9841% | 3,440 |
| Tier 1 risk-based capital ratio | 18.3319% | 2,187 |
| Total risk-based capital ratio | 19.5814% | 2,154 |
| Memoranda: | ||
| Average total assets | $125,193,670 | 4,312 |
| Average earning assets | $119,391,670 | 4,183 |
| Average equity | $12,268,670 | 4,547 |
| Average total loans | $68,866,670 | 4,456 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 1,675 |
| Cost of funding earning assets | 0.7022% | 4,263 |
| Net interest margin | 4.3637% | 1,301 |
| Noninterest income to average assets | 0.4636% | 4,197 |
| Noninterest expense to average assets | 2.8391% | 3,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2690% | 1,540 |
| Return on assets (ROA) | 1.9247% | 548 |
| Pretax return on assets | 2.7336% | 244 |
| Return on Equity (ROE) | 20.0341% | 386 |
| Retained earnings to average equity (ytd only) | 20.0341% | 190 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2414% | 5,417 |
| Assets per employee ($millions) | 3.8871% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 5,294 |
| Loan loss allowance to noncurrent loans | 1,590.7407% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 6,608 |
| Noncurrent loans to loans | 0.0781% | 6,554 |
| Net loans and leases to total assets | 54.8662% | 4,578 |
| Net loans and leases to deposits | 62.2306% | 4,879 |
| Net loans and leases to core deposits | 68.2204% | 4,658 |
| Total domestic deposits to total assets | 88.1661% | 2,207 |
| Equity capital to assets | 9.9069% | 4,246 |
| Core capital (leverage) ratio | 9.6382% | 3,862 |
| Tier 1 risk-based capital ratio | 17.7749% | 2,375 |
| Total risk-based capital ratio | 19.0392% | 2,345 |
| Memoranda: | ||
| Average total assets | $125,110,000 | 4,341 |
| Average earning assets | $119,623,000 | 4,207 |
| Average equity | $12,019,500 | 4,606 |
| Average total loans | $68,948,000 | 4,480 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4588% | 1,268 |
| Cost of funding earning assets | 0.9378% | 3,808 |
| Net interest margin | 4.5210% | 1,090 |
| Noninterest income to average assets | 0.4243% | 4,412 |
| Noninterest expense to average assets | 2.9973% | 3,603 |
| Loan and lease loss provision to assets | 0.1287% | 5,004 |
| Net operating income to assets | 1.2398% | 1,407 |
| Return on assets (ROA) | 1.2720% | 1,419 |
| Pretax return on assets | 1.6714% | 1,056 |
| Return on Equity (ROE) | 14.3731% | 848 |
| Retained earnings to average equity (ytd only) | 12.4498% | 265 |
| Net charge-offs to loans | 0.1881% | 4,640 |
| Credit loss provision to net charge-offs | 121.0938% | 2,620 |
| Earnings coverage of net charge-offs (x) | 16.5391% | 1,320 |
| Efficiency ratio | 63.0347% | 5,291 |
| Assets per employee ($millions) | 4.4940% | 2,927 |
| Cash dividends to net income (ytd only)* | 13.3812% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2487% | 5,177 |
| Loan loss allowance to noncurrent loans | 1,908.8889% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 6,758 |
| Noncurrent loans to loans | 0.0654% | 6,651 |
| Net loans and leases to total assets | 53.9855% | 5,039 |
| Net loans and leases to deposits | 60.6521% | 5,417 |
| Net loans and leases to core deposits | 68.7477% | 4,939 |
| Total domestic deposits to total assets | 89.0084% | 1,529 |
| Equity capital to assets | 9.3108% | 5,136 |
| Core capital (leverage) ratio | 9.0787% | 4,651 |
| Tier 1 risk-based capital ratio | 17.3332% | 2,452 |
| Total risk-based capital ratio | 18.5948% | 2,414 |
| Memoranda: | ||
| Average total assets | $120,440,000 | 4,389 |
| Average earning assets | $115,372,400 | 4,251 |
| Average equity | $10,658,800 | 4,876 |
| Average total loans | $68,063,600 | 4,555 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5513% | 1,140 |
| Cost of funding earning assets | 0.9780% | 3,833 |
| Net interest margin | 4.5733% | 999 |
| Noninterest income to average assets | 0.4243% | 4,483 |
| Noninterest expense to average assets | 3.0015% | 3,550 |
| Loan and lease loss provision to assets | 0.1220% | 4,909 |
| Net operating income to assets | 1.2954% | 1,389 |
| Return on assets (ROA) | 1.3032% | 1,456 |
| Pretax return on assets | 1.6928% | 1,160 |
| Return on Equity (ROE) | 14.9306% | 845 |
| Retained earnings to average equity (ytd only) | 14.9306% | 233 |
| Net charge-offs to loans | 0.2161% | 4,085 |
| Credit loss provision to net charge-offs | 99.0909% | 3,445 |
| Earnings coverage of net charge-offs (x) | 14.6548% | 1,520 |
| Efficiency ratio | 62.4505% | 5,343 |
| Assets per employee ($millions) | 4.0424% | 3,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,328 |
| Loan loss allowance to noncurrent loans | 1,844.4444% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 6,760 |
| Noncurrent loans to loans | 0.0669% | 6,763 |
| Net loans and leases to total assets | 53.0288% | 5,316 |
| Net loans and leases to deposits | 59.6405% | 5,672 |
| Net loans and leases to core deposits | 67.9725% | 5,186 |
| Total domestic deposits to total assets | 88.9142% | 1,476 |
| Equity capital to assets | 9.2361% | 5,463 |
| Core capital (leverage) ratio | 9.0518% | 4,848 |
| Tier 1 risk-based capital ratio | 15.9344% | 3,148 |
| Total risk-based capital ratio | 17.1009% | 3,151 |
| Memoranda: | ||
| Average total assets | $119,092,000 | 4,456 |
| Average earning assets | $114,108,250 | 4,305 |
| Average equity | $10,394,500 | 4,937 |
| Average total loans | $67,882,000 | 4,603 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6322% | 1,014 |
| Cost of funding earning assets | 0.9991% | 3,956 |
| Net interest margin | 4.6331% | 847 |
| Noninterest income to average assets | 0.4273% | 4,451 |
| Noninterest expense to average assets | 2.9995% | 3,643 |
| Loan and lease loss provision to assets | 0.1008% | 5,056 |
| Net operating income to assets | 1.3827% | 1,119 |
| Return on assets (ROA) | 1.3947% | 1,160 |
| Pretax return on assets | 1.7809% | 914 |
| Return on Equity (ROE) | 16.3178% | 636 |
| Retained earnings to average equity (ytd only) | 16.3178% | 190 |
| Net charge-offs to loans | 0.0441% | 5,240 |
| Credit loss provision to net charge-offs | 393.3333% | 767 |
| Earnings coverage of net charge-offs (x) | 72.8000% | 468 |
| Efficiency ratio | 61.6438% | 5,636 |
| Assets per employee ($millions) | 3.9168% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 5,258 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0399% | 6,995 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 54.7224% | 5,192 |
| Net loans and leases to deposits | 60.6694% | 5,654 |
| Net loans and leases to core deposits | 68.9895% | 5,191 |
| Total domestic deposits to total assets | 90.1977% | 868 |
| Equity capital to assets | 8.6957% | 5,950 |
| Core capital (leverage) ratio | 9.1171% | 4,537 |
| Tier 1 risk-based capital ratio | 14.4368% | 3,835 |
| Total risk-based capital ratio | 15.5978% | 3,875 |
| Memoranda: | ||
| Average total assets | $117,018,330 | 4,539 |
| Average earning assets | $112,106,000 | 4,381 |
| Average equity | $10,001,330 | 5,048 |
| Average total loans | $68,082,000 | 4,640 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7994% | 739 |
| Cost of funding earning assets | 1.0345% | 3,960 |
| Net interest margin | 4.7648% | 615 |
| Noninterest income to average assets | 0.4501% | 4,287 |
| Noninterest expense to average assets | 3.1367% | 3,118 |
| Loan and lease loss provision to assets | 0.0673% | 5,151 |
| Net operating income to assets | 1.4709% | 930 |
| Return on assets (ROA) | 1.4390% | 1,041 |
| Pretax return on assets | 1.7615% | 880 |
| Return on Equity (ROE) | 17.0008% | 571 |
| Retained earnings to average equity (ytd only) | 17.0008% | 279 |
| Net charge-offs to loans | 0.0831% | 4,118 |
| Credit loss provision to net charge-offs | 135.7143% | 2,051 |
| Earnings coverage of net charge-offs (x) | 37.6429% | 713 |
| Efficiency ratio | 62.6771% | 5,570 |
| Assets per employee ($millions) | 3.8053% | 4,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 5,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0424% | 7,057 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 56.9686% | 4,805 |
| Net loans and leases to deposits | 63.0890% | 5,371 |
| Net loans and leases to core deposits | 69.3995% | 5,123 |
| Total domestic deposits to total assets | 90.2988% | 966 |
| Equity capital to assets | 8.5330% | 5,859 |
| Core capital (leverage) ratio | 9.3917% | 3,976 |
| Tier 1 risk-based capital ratio | 13.9485% | 4,106 |
| Total risk-based capital ratio | 15.0608% | 4,184 |
| Memoranda: | ||
| Average total assets | $112,858,500 | 4,670 |
| Average earning assets | $107,873,500 | 4,532 |
| Average equity | $9,552,500 | 5,155 |
| Average total loans | $67,391,500 | 4,713 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2517% | 509 |
| Cost of funding earning assets | 1.1716% | 4,718 |
| Net interest margin | 5.0801% | 370 |
| Noninterest income to average assets | 0.5235% | 3,999 |
| Noninterest expense to average assets | 3.4277% | 2,360 |
| Loan and lease loss provision to assets | 0.0884% | 6,266 |
| Net operating income to assets | 1.3430% | 1,072 |
| Return on assets (ROA) | 1.7163% | 541 |
| Pretax return on assets | 2.3554% | 233 |
| Return on Equity (ROE) | 18.5125% | 341 |
| Retained earnings to average equity (ytd only) | 16.6699% | 85 |
| Net charge-offs to loans | 0.0821% | 6,005 |
| Credit loss provision to net charge-offs | 162.9630% | 2,126 |
| Earnings coverage of net charge-offs (x) | 35.6111% | 642 |
| Efficiency ratio | 63.9483% | 5,360 |
| Assets per employee ($millions) | 3.5917% | 4,724 |
| Cash dividends to net income (ytd only)* | 9.9532% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2450% | 5,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0826% | 7,034 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 61.1720% | 4,459 |
| Net loans and leases to deposits | 67.6367% | 5,151 |
| Net loans and leases to core deposits | 71.3324% | 5,291 |
| Total domestic deposits to total assets | 90.4419% | 865 |
| Equity capital to assets | 8.3887% | 6,020 |
| Core capital (leverage) ratio | 9.3564% | 3,914 |
| Tier 1 risk-based capital ratio | 15.1996% | 3,150 |
| Total risk-based capital ratio | 16.4549% | 3,099 |
| Memoranda: | ||
| Average total assets | $99,514,200 | 5,001 |
| Average earning assets | $94,741,600 | 4,871 |
| Average equity | $9,226,200 | 5,349 |
| Average total loans | $65,749,600 | 4,835 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2892% | 520 |
| Cost of funding earning assets | 1.1834% | 4,961 |
| Net interest margin | 5.1059% | 352 |
| Noninterest income to average assets | 0.5377% | 3,886 |
| Noninterest expense to average assets | 3.4313% | 2,206 |
| Loan and lease loss provision to assets | 0.1190% | 5,839 |
| Net operating income to assets | 1.3375% | 1,264 |
| Return on assets (ROA) | 1.7799% | 580 |
| Pretax return on assets | 2.4517% | 249 |
| Return on Equity (ROE) | 18.7061% | 413 |
| Retained earnings to average equity (ytd only) | 18.7061% | 98 |
| Net charge-offs to loans | 0.0957% | 5,577 |
| Credit loss provision to net charge-offs | 185.1064% | 1,957 |
| Earnings coverage of net charge-offs (x) | 30.5508% | 874 |
| Efficiency ratio | 63.5903% | 5,326 |
| Assets per employee ($millions) | 3.5553% | 4,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 5,280 |
| Loan loss allowance to noncurrent loans | 1,821.7391% | 210 |
| Noncurrent assets plus other real estate owned to assets | 0.0797% | 7,146 |
| Noncurrent loans to loans | 0.0682% | 7,069 |
| Net loans and leases to total assets | 62.4508% | 4,435 |
| Net loans and leases to deposits | 69.7239% | 5,193 |
| Net loans and leases to core deposits | 73.1640% | 5,386 |
| Total domestic deposits to total assets | 89.5687% | 1,087 |
| Equity capital to assets | 9.5228% | 4,808 |
| Core capital (leverage) ratio | 9.6650% | 3,670 |
| Tier 1 risk-based capital ratio | 15.2953% | 3,105 |
| Total risk-based capital ratio | 16.5281% | 3,077 |
| Memoranda: | ||
| Average total assets | $97,454,750 | 5,125 |
| Average earning assets | $92,727,500 | 4,981 |
| Average equity | $9,273,000 | 5,412 |
| Average total loans | $65,500,750 | 4,925 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3563% | 451 |
| Cost of funding earning assets | 1.2069% | 5,086 |
| Net interest margin | 5.1494% | 311 |
| Noninterest income to average assets | 0.5658% | 3,580 |
| Noninterest expense to average assets | 3.4920% | 2,049 |
| Loan and lease loss provision to assets | 0.1526% | 5,376 |
| Net operating income to assets | 1.3107% | 1,280 |
| Return on assets (ROA) | 1.6062% | 772 |
| Pretax return on assets | 2.2079% | 402 |
| Return on Equity (ROE) | 16.8851% | 585 |
| Retained earnings to average equity (ytd only) | 16.8851% | 161 |
| Net charge-offs to loans | 0.1295% | 4,907 |
| Credit loss provision to net charge-offs | 171.4286% | 2,278 |
| Earnings coverage of net charge-offs (x) | 21.9762% | 1,154 |
| Efficiency ratio | 64.0996% | 5,319 |
| Assets per employee ($millions) | 3.1604% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2460% | 5,208 |
| Loan loss allowance to noncurrent loans | 2,070.0000% | 189 |
| Noncurrent assets plus other real estate owned to assets | 0.0408% | 7,293 |
| Noncurrent loans to loans | 0.0602% | 7,168 |
| Net loans and leases to total assets | 66.9848% | 3,622 |
| Net loans and leases to deposits | 74.5177% | 4,594 |
| Net loans and leases to core deposits | 78.0002% | 4,949 |
| Total domestic deposits to total assets | 89.8911% | 978 |
| Equity capital to assets | 9.4771% | 4,736 |
| Core capital (leverage) ratio | 9.6602% | 3,594 |
| Tier 1 risk-based capital ratio | 14.1788% | 3,614 |
| Total risk-based capital ratio | 15.3595% | 3,617 |
| Memoranda: | ||
| Average total assets | $94,386,330 | 5,236 |
| Average earning assets | $89,485,670 | 5,115 |
| Average equity | $8,978,330 | 5,512 |
| Average total loans | $64,851,670 | 4,987 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2962% | 533 |
| Cost of funding earning assets | 1.2254% | 5,255 |
| Net interest margin | 5.0708% | 363 |
| Noninterest income to average assets | 0.5746% | 3,462 |
| Noninterest expense to average assets | 3.5035% | 1,979 |
| Loan and lease loss provision to assets | 0.2592% | 3,963 |
| Net operating income to assets | 1.1424% | 1,696 |
| Return on assets (ROA) | 1.5595% | 869 |
| Pretax return on assets | 2.1902% | 430 |
| Return on Equity (ROE) | 16.3626% | 677 |
| Retained earnings to average equity (ytd only) | 16.3626% | 317 |
| Net charge-offs to loans | 0.0812% | 4,605 |
| Credit loss provision to net charge-offs | 461.5385% | 911 |
| Earnings coverage of net charge-offs (x) | 33.1538% | 810 |
| Efficiency ratio | 65.2979% | 5,253 |
| Assets per employee ($millions) | 3.3409% | 5,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 4,829 |
| Loan loss allowance to noncurrent loans | 521.6049% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.1732% | 7,045 |
| Noncurrent loans to loans | 0.2530% | 6,834 |
| Net loans and leases to total assets | 67.5554% | 3,498 |
| Net loans and leases to deposits | 75.2283% | 4,543 |
| Net loans and leases to core deposits | 78.6749% | 4,941 |
| Total domestic deposits to total assets | 89.8005% | 1,085 |
| Equity capital to assets | 9.5677% | 4,426 |
| Core capital (leverage) ratio | 9.6715% | 3,559 |
| Tier 1 risk-based capital ratio | 15.3392% | 2,949 |
| Total risk-based capital ratio | 16.5924% | 2,897 |
| Memoranda: | ||
| Average total assets | $92,593,000 | 5,364 |
| Average earning assets | $87,482,000 | 5,257 |
| Average equity | $8,825,000 | 5,583 |
| Average total loans | $64,050,000 | 5,080 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6867% | 477 |
| Cost of funding earning assets | 1.4627% | 5,670 |
| Net interest margin | 5.2240% | 277 |
| Noninterest income to average assets | 0.5982% | 3,645 |
| Noninterest expense to average assets | 3.7258% | 1,850 |
| Loan and lease loss provision to assets | 0.3115% | 4,956 |
| Net operating income to assets | 1.0819% | 1,562 |
| Return on assets (ROA) | 1.1998% | 1,294 |
| Pretax return on assets | 1.6399% | 881 |
| Return on Equity (ROE) | 12.3497% | 1,083 |
| Retained earnings to average equity (ytd only) | 10.9047% | 288 |
| Net charge-offs to loans | 0.0479% | 6,622 |
| Credit loss provision to net charge-offs | 942.8571% | 308 |
| Earnings coverage of net charge-offs (x) | 54.1786% | 486 |
| Efficiency ratio | 67.5508% | 5,087 |
| Assets per employee ($millions) | 3.1601% | 5,828 |
| Cash dividends to net income (ytd only)* | 11.7011% | 3,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 5,084 |
| Loan loss allowance to noncurrent loans | 518.1818% | 641 |
| Noncurrent assets plus other real estate owned to assets | 0.2161% | 6,926 |
| Noncurrent loans to loans | 0.2404% | 6,829 |
| Net loans and leases to total assets | 69.0328% | 3,480 |
| Net loans and leases to deposits | 76.9820% | 4,569 |
| Net loans and leases to core deposits | 102.1260% | 3,792 |
| Total domestic deposits to total assets | 89.6739% | 1,122 |
| Equity capital to assets | 9.4935% | 4,417 |
| Core capital (leverage) ratio | 9.5471% | 3,664 |
| Tier 1 risk-based capital ratio | 14.9286% | 2,983 |
| Total risk-based capital ratio | 16.1825% | 2,927 |
| Memoranda: | ||
| Average total assets | $84,761,000 | 5,571 |
| Average earning assets | $79,785,400 | 5,465 |
| Average equity | $8,235,000 | 5,854 |
| Average total loans | $58,423,400 | 5,320 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7062% | 505 |
| Cost of funding earning assets | 1.5189% | 5,751 |
| Net interest margin | 5.1874% | 308 |
| Noninterest income to average assets | 0.6166% | 3,574 |
| Noninterest expense to average assets | 3.7956% | 1,599 |
| Loan and lease loss provision to assets | 0.2328% | 5,112 |
| Net operating income to assets | 1.0671% | 1,842 |
| Return on assets (ROA) | 1.2267% | 1,464 |
| Pretax return on assets | 1.6955% | 980 |
| Return on Equity (ROE) | 12.5468% | 1,223 |
| Retained earnings to average equity (ytd only) | 12.5468% | 297 |
| Net charge-offs to loans | 0.0538% | 6,172 |
| Credit loss provision to net charge-offs | 630.4348% | 598 |
| Earnings coverage of net charge-offs (x) | 46.2113% | 678 |
| Efficiency ratio | 68.9816% | 4,791 |
| Assets per employee ($millions) | 3.1472% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1244% | 5,567 |
| Loan loss allowance to noncurrent loans | 4,885.7143% | 83 |
| Noncurrent assets plus other real estate owned to assets | 0.1180% | 7,252 |
| Noncurrent loans to loans | 0.0230% | 7,465 |
| Net loans and leases to total assets | 68.2584% | 3,900 |
| Net loans and leases to deposits | 76.8219% | 4,924 |
| Net loans and leases to core deposits | 102.3673% | 4,120 |
| Total domestic deposits to total assets | 88.8528% | 1,268 |
| Equity capital to assets | 9.7707% | 4,395 |
| Core capital (leverage) ratio | 9.7021% | 3,641 |
| Tier 1 risk-based capital ratio | 15.4481% | 2,850 |
| Total risk-based capital ratio | 16.6888% | 2,795 |
| Memoranda: | ||
| Average total assets | $83,040,750 | 5,658 |
| Average earning assets | $78,213,750 | 5,550 |
| Average equity | $8,118,750 | 5,939 |
| Average total loans | $57,014,000 | 5,430 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7481% | 493 |
| Cost of funding earning assets | 1.5981% | 5,757 |
| Net interest margin | 5.1500% | 329 |
| Noninterest income to average assets | 0.6442% | 3,385 |
| Noninterest expense to average assets | 3.7616% | 1,721 |
| Loan and lease loss provision to assets | 0.1942% | 5,112 |
| Net operating income to assets | 1.1048% | 1,758 |
| Return on assets (ROA) | 1.2145% | 1,520 |
| Pretax return on assets | 1.6817% | 1,050 |
| Return on Equity (ROE) | 12.4199% | 1,304 |
| Retained earnings to average equity (ytd only) | 12.4199% | 387 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5791% | 5,050 |
| Assets per employee ($millions) | 2.9847% | 6,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 5,662 |
| Loan loss allowance to noncurrent loans | 1,001.5625% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 7,230 |
| Noncurrent loans to loans | 0.1090% | 7,249 |
| Net loans and leases to total assets | 69.5193% | 3,809 |
| Net loans and leases to deposits | 78.1938% | 4,837 |
| Net loans and leases to core deposits | 102.4331% | 4,237 |
| Total domestic deposits to total assets | 88.9064% | 1,308 |
| Equity capital to assets | 9.8012% | 4,213 |
| Core capital (leverage) ratio | 10.0724% | 3,218 |
| Tier 1 risk-based capital ratio | 15.2361% | 2,918 |
| Total risk-based capital ratio | 16.4387% | 2,879 |
| Memoranda: | ||
| Average total assets | $81,347,330 | 5,746 |
| Average earning assets | $76,466,000 | 5,657 |
| Average equity | $7,955,000 | 6,035 |
| Average total loans | $55,740,670 | 5,521 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7021% | 580 |
| Cost of funding earning assets | 1.7394% | 5,425 |
| Net interest margin | 4.9627% | 443 |
| Noninterest income to average assets | 0.6880% | 2,961 |
| Noninterest expense to average assets | 3.6792% | 1,690 |
| Loan and lease loss provision to assets | 0.1645% | 4,824 |
| Net operating income to assets | 1.1293% | 1,870 |
| Return on assets (ROA) | 1.2164% | 1,718 |
| Pretax return on assets | 1.6103% | 1,377 |
| Return on Equity (ROE) | 12.4537% | 1,528 |
| Retained earnings to average equity (ytd only) | 12.4537% | 722 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9076% | 4,791 |
| Assets per employee ($millions) | 3.0404% | 6,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 5,578 |
| Loan loss allowance to noncurrent loans | 1,416.6667% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 7,446 |
| Noncurrent loans to loans | 0.0766% | 7,306 |
| Net loans and leases to total assets | 66.0547% | 4,572 |
| Net loans and leases to deposits | 73.9486% | 5,486 |
| Net loans and leases to core deposits | 94.5592% | 5,104 |
| Total domestic deposits to total assets | 89.3253% | 1,087 |
| Equity capital to assets | 9.7100% | 4,369 |
| Core capital (leverage) ratio | 9.2486% | 4,324 |
| Tier 1 risk-based capital ratio | 14.9457% | 3,095 |
| Total risk-based capital ratio | 16.1509% | 3,043 |
| Memoranda: | ||
| Average total assets | $80,235,500 | 5,814 |
| Average earning assets | $75,200,500 | 5,724 |
| Average equity | $7,837,000 | 6,115 |
| Average total loans | $54,241,500 | 5,620 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9739% | 1,199 |
| Cost of funding earning assets | 2.2372% | 5,430 |
| Net interest margin | 4.7367% | 892 |
| Noninterest income to average assets | 0.7632% | 2,703 |
| Noninterest expense to average assets | 3.7602% | 1,834 |
| Loan and lease loss provision to assets | 0.2609% | 4,316 |
| Net operating income to assets | 0.9269% | 2,886 |
| Return on assets (ROA) | 0.4076% | 4,940 |
| Pretax return on assets | 0.5062% | 4,958 |
| Return on Equity (ROE) | 4.1716% | 4,754 |
| Retained earnings to average equity (ytd only) | 3.0424% | 3,272 |
| Net charge-offs to loans | 0.2558% | 3,713 |
| Credit loss provision to net charge-offs | 155.8140% | 3,351 |
| Earnings coverage of net charge-offs (x) | 8.4109% | 2,887 |
| Efficiency ratio | 72.7524% | 3,803 |
| Assets per employee ($millions) | 2.9030% | 6,296 |
| Cash dividends to net income (ytd only)* | 27.0701% | 4,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0473% | 5,651 |
| Loan loss allowance to noncurrent loans | 1,703.0303% | 333 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 7,423 |
| Noncurrent loans to loans | 0.0615% | 7,260 |
| Net loans and leases to total assets | 67.7482% | 4,501 |
| Net loans and leases to deposits | 76.2869% | 5,555 |
| Net loans and leases to core deposits | 96.6597% | 5,190 |
| Total domestic deposits to total assets | 88.8071% | 1,110 |
| Equity capital to assets | 9.8278% | 4,253 |
| Core capital (leverage) ratio | 9.2682% | 4,343 |
| Tier 1 risk-based capital ratio | 14.9665% | 3,064 |
| Total risk-based capital ratio | 16.1459% | 3,013 |
| Memoranda: | ||
| Average total assets | $77,043,800 | 5,798 |
| Average earning assets | $71,653,000 | 5,756 |
| Average equity | $7,527,000 | 6,269 |
| Average total loans | $50,425,000 | 5,689 |