Home > State Bank and Trust Company, Dallas > Performance and Condition Ratios
State Bank and Trust Company, Dallas, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7418% | 4,698 |
| Cost of funding earning assets | 0.6217% | 1,793 |
| Net interest margin | 3.1201% | 5,177 |
| Noninterest income to average assets | 0.4119% | 4,090 |
| Noninterest expense to average assets | 2.8057% | 3,539 |
| Loan and lease loss provision to assets | 0.1947% | 1,204 |
| Net operating income to assets | 0.1885% | 5,832 |
| Return on assets (ROA) | 0.1885% | 5,878 |
| Pretax return on assets | 0.1885% | 5,934 |
| Return on Equity (ROE) | 1.4738% | 5,936 |
| Retained earnings to average equity (ytd only) | 1.4738% | 5,026 |
| Net charge-offs to loans | -0.3112% | 6,489 |
| Credit loss provision to net charge-offs | -92.2330% | 4,828 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9820% | 1,226 |
| Assets per employee ($millions) | 6.9926% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6676% | 2,448 |
| Loan loss allowance to noncurrent loans | 119.9208% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9025% | 3,481 |
| Noncurrent loans to loans | 1.3906% | 2,702 |
| Net loans and leases to total assets | 63.8184% | 2,925 |
| Net loans and leases to deposits | 77.0187% | 2,677 |
| Net loans and leases to core deposits | 85.7698% | 2,348 |
| Total domestic deposits to total assets | 82.8610% | 4,656 |
| Equity capital to assets | 12.7762% | 1,413 |
| Core capital (leverage) ratio | 9.9127% | 3,689 |
| Tier 1 risk-based capital ratio | 16.0501% | 3,149 |
| Total risk-based capital ratio | 17.3075% | 3,097 |
| Memoranda: | ||
| Average total assets | $195,175,000 | 3,110 |
| Average earning assets | $173,712,500 | 3,174 |
| Average equity | $24,969,000 | 2,648 |
| Average total loans | $132,372,500 | 2,842 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 3,406 |
| Cost of funding earning assets | 0.6581% | 2,144 |
| Net interest margin | 3.5251% | 3,787 |
| Noninterest income to average assets | 0.3545% | 4,772 |
| Noninterest expense to average assets | 2.4532% | 4,918 |
| Loan and lease loss provision to assets | 1.0489% | 168 |
| Net operating income to assets | 0.0190% | 6,183 |
| Return on assets (ROA) | 0.0190% | 6,223 |
| Pretax return on assets | 0.0190% | 6,201 |
| Return on Equity (ROE) | 0.1542% | 6,227 |
| Retained earnings to average equity (ytd only) | -4.3880% | 6,336 |
| Net charge-offs to loans | 2.0072% | 190 |
| Credit loss provision to net charge-offs | 73.1279% | 3,222 |
| Earnings coverage of net charge-offs (x) | 0.7445% | 4,842 |
| Efficiency ratio | 69.6720% | 3,886 |
| Assets per employee ($millions) | 6.7089% | 894 |
| Cash dividends to net income (ytd only)* | 2,945.0000% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3946% | 3,679 |
| Loan loss allowance to noncurrent loans | 84.0999% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.6309% | 2,272 |
| Noncurrent loans to loans | 1.6583% | 2,420 |
| Net loans and leases to total assets | 69.7760% | 2,053 |
| Net loans and leases to deposits | 84.3481% | 1,884 |
| Net loans and leases to core deposits | 94.1174% | 1,595 |
| Total domestic deposits to total assets | 82.7238% | 4,634 |
| Equity capital to assets | 12.8101% | 1,361 |
| Core capital (leverage) ratio | 9.1872% | 4,739 |
| Tier 1 risk-based capital ratio | 14.7573% | 3,813 |
| Total risk-based capital ratio | 16.0109% | 3,749 |
| Memoranda: | ||
| Average total assets | $210,420,800 | 2,909 |
| Average earning assets | $189,016,800 | 2,962 |
| Average equity | $25,934,400 | 2,554 |
| Average total loans | $150,357,400 | 2,551 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 3,305 |
| Cost of funding earning assets | 0.6616% | 2,249 |
| Net interest margin | 3.5609% | 3,614 |
| Noninterest income to average assets | 0.3570% | 4,843 |
| Noninterest expense to average assets | 2.3222% | 5,268 |
| Loan and lease loss provision to assets | 0.3271% | 1,012 |
| Net operating income to assets | 0.9043% | 2,813 |
| Return on assets (ROA) | 0.9043% | 2,922 |
| Pretax return on assets | 0.9043% | 3,865 |
| Return on Equity (ROE) | 7.4029% | 3,433 |
| Retained earnings to average equity (ytd only) | 1.4103% | 5,418 |
| Net charge-offs to loans | -0.0712% | 6,411 |
| Credit loss provision to net charge-offs | -641.4634% | 6,102 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3483% | 4,599 |
| Assets per employee ($millions) | 6.7538% | 832 |
| Cash dividends to net income (ytd only)* | 80.9488% | 753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3183% | 1,158 |
| Loan loss allowance to noncurrent loans | 51.1254% | 5,181 |
| Noncurrent assets plus other real estate owned to assets | 3.5832% | 929 |
| Noncurrent loans to loans | 4.5345% | 708 |
| Net loans and leases to total assets | 69.4376% | 2,059 |
| Net loans and leases to deposits | 84.3967% | 1,831 |
| Net loans and leases to core deposits | 94.3228% | 1,537 |
| Total domestic deposits to total assets | 82.2753% | 4,839 |
| Equity capital to assets | 12.9990% | 1,332 |
| Core capital (leverage) ratio | 9.7150% | 4,084 |
| Tier 1 risk-based capital ratio | 15.3747% | 3,525 |
| Total risk-based capital ratio | 16.6419% | 3,478 |
| Memoranda: | ||
| Average total assets | $214,386,750 | 2,894 |
| Average earning assets | $192,453,250 | 2,944 |
| Average equity | $26,187,250 | 2,567 |
| Average total loans | $153,528,250 | 2,519 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2837% | 3,027 |
| Cost of funding earning assets | 0.6635% | 2,373 |
| Net interest margin | 3.6202% | 3,282 |
| Noninterest income to average assets | 0.3646% | 4,786 |
| Noninterest expense to average assets | 2.1639% | 5,718 |
| Loan and lease loss provision to assets | 0.2428% | 1,535 |
| Net operating income to assets | 1.2120% | 1,564 |
| Return on assets (ROA) | 1.2120% | 1,665 |
| Pretax return on assets | 1.2120% | 2,614 |
| Return on Equity (ROE) | 10.1236% | 2,154 |
| Retained earnings to average equity (ytd only) | 1.1019% | 5,459 |
| Net charge-offs to loans | -0.1174% | 6,542 |
| Credit loss provision to net charge-offs | -288.0435% | 5,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7975% | 5,509 |
| Assets per employee ($millions) | 6.4681% | 914 |
| Cash dividends to net income (ytd only)* | 89.1156% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0245% | 1,797 |
| Loan loss allowance to noncurrent loans | 222.1583% | 1,820 |
| Noncurrent assets plus other real estate owned to assets | 1.0238% | 3,709 |
| Noncurrent loans to loans | 0.9113% | 4,106 |
| Net loans and leases to total assets | 72.2024% | 1,546 |
| Net loans and leases to deposits | 87.8111% | 1,362 |
| Net loans and leases to core deposits | 101.9344% | 943 |
| Total domestic deposits to total assets | 82.2247% | 4,971 |
| Equity capital to assets | 12.6603% | 1,492 |
| Core capital (leverage) ratio | 9.4889% | 4,261 |
| Tier 1 risk-based capital ratio | 14.4310% | 4,141 |
| Total risk-based capital ratio | 15.6944% | 4,099 |
| Memoranda: | ||
| Average total assets | $218,310,670 | 2,865 |
| Average earning assets | $196,231,000 | 2,910 |
| Average equity | $26,137,000 | 2,573 |
| Average total loans | $156,694,330 | 2,481 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 3,437 |
| Cost of funding earning assets | 0.6802% | 2,386 |
| Net interest margin | 3.4867% | 3,757 |
| Noninterest income to average assets | 0.4036% | 4,431 |
| Noninterest expense to average assets | 2.1752% | 5,752 |
| Loan and lease loss provision to assets | 0.0893% | 3,173 |
| Net operating income to assets | 1.2698% | 1,355 |
| Return on assets (ROA) | 1.2698% | 1,457 |
| Pretax return on assets | 1.2698% | 2,341 |
| Return on Equity (ROE) | 10.8951% | 1,738 |
| Retained earnings to average equity (ytd only) | 1.1339% | 5,395 |
| Net charge-offs to loans | 0.0529% | 3,299 |
| Credit loss provision to net charge-offs | 238.0952% | 956 |
| Earnings coverage of net charge-offs (x) | 36.2381% | 854 |
| Efficiency ratio | 61.5462% | 5,366 |
| Assets per employee ($millions) | 7.1131% | 733 |
| Cash dividends to net income (ytd only)* | 89.5921% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7788% | 2,697 |
| Loan loss allowance to noncurrent loans | 288.4013% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.7901% | 4,400 |
| Noncurrent loans to loans | 0.6168% | 4,902 |
| Net loans and leases to total assets | 71.4165% | 1,446 |
| Net loans and leases to deposits | 86.9851% | 1,250 |
| Net loans and leases to core deposits | 100.2691% | 930 |
| Total domestic deposits to total assets | 82.1020% | 5,160 |
| Equity capital to assets | 12.2474% | 1,868 |
| Core capital (leverage) ratio | 9.0807% | 4,746 |
| Tier 1 risk-based capital ratio | 14.1000% | 4,431 |
| Total risk-based capital ratio | 15.3594% | 4,380 |
| Memoranda: | ||
| Average total assets | $223,977,000 | 2,833 |
| Average earning assets | $201,107,500 | 2,890 |
| Average equity | $26,103,500 | 2,608 |
| Average total loans | $158,776,000 | 2,465 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8006% | 2,191 |
| Cost of funding earning assets | 0.7849% | 2,782 |
| Net interest margin | 4.0157% | 2,331 |
| Noninterest income to average assets | 0.4732% | 4,079 |
| Noninterest expense to average assets | 2.2836% | 5,734 |
| Loan and lease loss provision to assets | 0.4313% | 1,478 |
| Net operating income to assets | 1.3015% | 1,294 |
| Return on assets (ROA) | 1.3015% | 1,442 |
| Pretax return on assets | 1.3015% | 2,390 |
| Return on Equity (ROE) | 10.8714% | 1,842 |
| Retained earnings to average equity (ytd only) | 2.5043% | 4,468 |
| Net charge-offs to loans | 0.6154% | 1,898 |
| Credit loss provision to net charge-offs | 91.9722% | 3,394 |
| Earnings coverage of net charge-offs (x) | 3.6947% | 3,633 |
| Efficiency ratio | 56.8568% | 5,967 |
| Assets per employee ($millions) | 7.8187% | 545 |
| Cash dividends to net income (ytd only)* | 76.9643% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 2,997 |
| Loan loss allowance to noncurrent loans | 160.2700% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 1.1613% | 3,719 |
| Noncurrent loans to loans | 1.0493% | 4,106 |
| Net loans and leases to total assets | 68.0690% | 2,168 |
| Net loans and leases to deposits | 81.8823% | 2,010 |
| Net loans and leases to core deposits | 97.2476% | 1,202 |
| Total domestic deposits to total assets | 83.1303% | 4,662 |
| Equity capital to assets | 11.1152% | 2,817 |
| Core capital (leverage) ratio | 8.8007% | 5,179 |
| Tier 1 risk-based capital ratio | 13.2357% | 4,938 |
| Total risk-based capital ratio | 14.4936% | 4,879 |
| Memoranda: | ||
| Average total assets | $215,140,200 | 2,884 |
| Average earning assets | $189,830,000 | 2,961 |
| Average equity | $25,755,600 | 2,590 |
| Average total loans | $163,948,800 | 2,370 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9758% | 1,756 |
| Cost of funding earning assets | 0.8113% | 2,852 |
| Net interest margin | 4.1646% | 1,849 |
| Noninterest income to average assets | 0.4717% | 4,124 |
| Noninterest expense to average assets | 2.4049% | 5,382 |
| Loan and lease loss provision to assets | 0.4933% | 1,247 |
| Net operating income to assets | 1.2351% | 1,618 |
| Return on assets (ROA) | 1.2351% | 1,787 |
| Pretax return on assets | 1.2351% | 2,850 |
| Return on Equity (ROE) | 10.1154% | 2,291 |
| Retained earnings to average equity (ytd only) | 2.2433% | 5,216 |
| Net charge-offs to loans | 0.4543% | 2,283 |
| Credit loss provision to net charge-offs | 138.9286% | 2,075 |
| Earnings coverage of net charge-offs (x) | 4.8678% | 3,177 |
| Efficiency ratio | 58.1838% | 5,764 |
| Assets per employee ($millions) | 7.4333% | 616 |
| Cash dividends to net income (ytd only)* | 77.8233% | 699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8681% | 2,587 |
| Loan loss allowance to noncurrent loans | 100.5309% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 2.7471% | 1,919 |
| Noncurrent loans to loans | 1.8582% | 3,002 |
| Net loans and leases to total assets | 71.3778% | 1,667 |
| Net loans and leases to deposits | 86.8581% | 1,503 |
| Net loans and leases to core deposits | 103.6020% | 889 |
| Total domestic deposits to total assets | 82.1774% | 4,957 |
| Equity capital to assets | 11.6086% | 2,637 |
| Core capital (leverage) ratio | 8.8682% | 5,242 |
| Tier 1 risk-based capital ratio | 12.9580% | 5,283 |
| Total risk-based capital ratio | 14.2183% | 5,240 |
| Memoranda: | ||
| Average total assets | $210,284,750 | 2,953 |
| Average earning assets | $184,889,250 | 3,056 |
| Average equity | $25,676,500 | 2,621 |
| Average total loans | $164,337,250 | 2,398 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1489% | 1,379 |
| Cost of funding earning assets | 0.8325% | 2,928 |
| Net interest margin | 4.3164% | 1,440 |
| Noninterest income to average assets | 0.4067% | 4,598 |
| Noninterest expense to average assets | 2.2713% | 5,816 |
| Loan and lease loss provision to assets | 0.6581% | 863 |
| Net operating income to assets | 1.2667% | 1,524 |
| Return on assets (ROA) | 1.2667% | 1,691 |
| Pretax return on assets | 1.2667% | 2,661 |
| Return on Equity (ROE) | 10.1928% | 2,280 |
| Retained earnings to average equity (ytd only) | 1.4215% | 5,481 |
| Net charge-offs to loans | 0.6241% | 1,761 |
| Credit loss provision to net charge-offs | 131.6505% | 2,085 |
| Earnings coverage of net charge-offs (x) | 3.8505% | 3,251 |
| Efficiency ratio | 54.1291% | 6,304 |
| Assets per employee ($millions) | 6.8662% | 781 |
| Cash dividends to net income (ytd only)* | 86.0536% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 2,808 |
| Loan loss allowance to noncurrent loans | 207.3171% | 1,657 |
| Noncurrent assets plus other real estate owned to assets | 2.4450% | 2,283 |
| Noncurrent loans to loans | 0.8748% | 4,743 |
| Net loans and leases to total assets | 73.3081% | 1,350 |
| Net loans and leases to deposits | 88.5438% | 1,314 |
| Net loans and leases to core deposits | 109.2222% | 603 |
| Total domestic deposits to total assets | 82.7929% | 4,827 |
| Equity capital to assets | 11.6786% | 2,431 |
| Core capital (leverage) ratio | 8.9466% | 4,987 |
| Tier 1 risk-based capital ratio | 12.3910% | 5,658 |
| Total risk-based capital ratio | 13.6499% | 5,632 |
| Memoranda: | ||
| Average total assets | $206,047,000 | 3,022 |
| Average earning assets | $180,891,330 | 3,114 |
| Average equity | $25,606,330 | 2,614 |
| Average total loans | $165,049,330 | 2,400 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3684% | 964 |
| Cost of funding earning assets | 0.8616% | 2,979 |
| Net interest margin | 4.5068% | 1,001 |
| Noninterest income to average assets | 0.4518% | 4,281 |
| Noninterest expense to average assets | 2.6826% | 4,489 |
| Loan and lease loss provision to assets | 0.3012% | 2,081 |
| Net operating income to assets | 1.3855% | 1,249 |
| Return on assets (ROA) | 1.3855% | 1,396 |
| Pretax return on assets | 1.3855% | 2,231 |
| Return on Equity (ROE) | 10.7899% | 2,107 |
| Retained earnings to average equity (ytd only) | 2.4395% | 5,040 |
| Net charge-offs to loans | 0.0966% | 3,561 |
| Credit loss provision to net charge-offs | 375.0000% | 817 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,171 |
| Efficiency ratio | 61.3971% | 5,384 |
| Assets per employee ($millions) | 6.1565% | 1,185 |
| Cash dividends to net income (ytd only)* | 77.3913% | 850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7656% | 3,106 |
| Loan loss allowance to noncurrent loans | 679.3023% | 534 |
| Noncurrent assets plus other real estate owned to assets | 2.6855% | 2,194 |
| Noncurrent loans to loans | 0.2599% | 6,170 |
| Net loans and leases to total assets | 79.9930% | 402 |
| Net loans and leases to deposits | 98.1958% | 436 |
| Net loans and leases to core deposits | 122.8444% | 274 |
| Total domestic deposits to total assets | 81.4628% | 5,475 |
| Equity capital to assets | 12.6292% | 1,643 |
| Core capital (leverage) ratio | 9.7851% | 3,666 |
| Tier 1 risk-based capital ratio | 12.0295% | 5,940 |
| Total risk-based capital ratio | 13.2870% | 5,925 |
| Memoranda: | ||
| Average total assets | $199,211,500 | 3,114 |
| Average earning assets | $173,160,000 | 3,246 |
| Average equity | $25,579,500 | 2,615 |
| Average total loans | $165,551,000 | 2,411 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6034% | 948 |
| Cost of funding earning assets | 0.9580% | 3,663 |
| Net interest margin | 4.6453% | 842 |
| Noninterest income to average assets | 0.4149% | 4,493 |
| Noninterest expense to average assets | 2.9000% | 3,959 |
| Loan and lease loss provision to assets | 0.1748% | 4,449 |
| Net operating income to assets | 1.3442% | 1,152 |
| Return on assets (ROA) | 1.3442% | 1,239 |
| Pretax return on assets | 1.3442% | 1,970 |
| Return on Equity (ROE) | 10.3241% | 1,946 |
| Retained earnings to average equity (ytd only) | 0.3876% | 5,656 |
| Net charge-offs to loans | 0.1332% | 5,084 |
| Credit loss provision to net charge-offs | 158.7963% | 1,748 |
| Earnings coverage of net charge-offs (x) | 13.7963% | 1,515 |
| Efficiency ratio | 65.6246% | 4,843 |
| Assets per employee ($millions) | 5.7429% | 1,413 |
| Cash dividends to net income (ytd only)* | 96.2457% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6974% | 3,213 |
| Loan loss allowance to noncurrent loans | 487.3484% | 702 |
| Noncurrent assets plus other real estate owned to assets | 2.8270% | 2,140 |
| Noncurrent loans to loans | 0.3483% | 6,034 |
| Net loans and leases to total assets | 83.4031% | 239 |
| Net loans and leases to deposits | 111.8120% | 146 |
| Net loans and leases to core deposits | 143.1918% | 160 |
| Total domestic deposits to total assets | 74.5922% | 6,664 |
| Equity capital to assets | 13.0601% | 1,460 |
| Core capital (leverage) ratio | 9.4542% | 4,104 |
| Tier 1 risk-based capital ratio | 11.9119% | 5,890 |
| Total risk-based capital ratio | 13.1688% | 5,866 |
| Memoranda: | ||
| Average total assets | $196,172,800 | 3,099 |
| Average earning assets | $169,094,000 | 3,263 |
| Average equity | $25,542,200 | 2,516 |
| Average total loans | $162,218,400 | 2,473 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5905% | 1,054 |
| Cost of funding earning assets | 0.9716% | 3,879 |
| Net interest margin | 4.6190% | 913 |
| Noninterest income to average assets | 0.4060% | 4,621 |
| Noninterest expense to average assets | 3.0176% | 3,494 |
| Loan and lease loss provision to assets | 0.0957% | 5,266 |
| Net operating income to assets | 1.2688% | 1,456 |
| Return on assets (ROA) | 1.2688% | 1,564 |
| Pretax return on assets | 1.2688% | 2,405 |
| Return on Equity (ROE) | 9.7522% | 2,297 |
| Retained earnings to average equity (ytd only) | -0.1200% | 5,995 |
| Net charge-offs to loans | 0.2454% | 3,890 |
| Credit loss provision to net charge-offs | 47.4747% | 5,088 |
| Earnings coverage of net charge-offs (x) | 6.7677% | 2,490 |
| Efficiency ratio | 68.8613% | 4,144 |
| Assets per employee ($millions) | 5.8954% | 1,271 |
| Cash dividends to net income (ytd only)* | 101.2304% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4959% | 4,119 |
| Loan loss allowance to noncurrent loans | 267.9025% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 3.0503% | 2,103 |
| Noncurrent loans to loans | 0.5584% | 5,750 |
| Net loans and leases to total assets | 80.7076% | 444 |
| Net loans and leases to deposits | 117.1457% | 102 |
| Net loans and leases to core deposits | 153.6812% | 126 |
| Total domestic deposits to total assets | 68.8950% | 7,099 |
| Equity capital to assets | 12.3209% | 2,015 |
| Core capital (leverage) ratio | 9.4481% | 4,229 |
| Tier 1 risk-based capital ratio | 11.5499% | 6,213 |
| Total risk-based capital ratio | 12.8043% | 6,198 |
| Memoranda: | ||
| Average total assets | $196,401,250 | 3,113 |
| Average earning assets | $169,066,750 | 3,272 |
| Average equity | $25,552,500 | 2,521 |
| Average total loans | $161,357,000 | 2,491 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5593% | 1,150 |
| Cost of funding earning assets | 0.9952% | 3,981 |
| Net interest margin | 4.5641% | 978 |
| Noninterest income to average assets | 0.4299% | 4,426 |
| Noninterest expense to average assets | 3.1281% | 3,148 |
| Loan and lease loss provision to assets | 0.0207% | 6,029 |
| Net operating income to assets | 1.2046% | 1,558 |
| Return on assets (ROA) | 1.2046% | 1,644 |
| Pretax return on assets | 1.2046% | 2,464 |
| Return on Equity (ROE) | 9.0875% | 2,472 |
| Retained earnings to average equity (ytd only) | -1.7503% | 6,207 |
| Net charge-offs to loans | 0.3930% | 2,986 |
| Credit loss provision to net charge-offs | 6.4103% | 5,280 |
| Earnings coverage of net charge-offs (x) | 3.7917% | 3,051 |
| Efficiency ratio | 71.8534% | 3,766 |
| Assets per employee ($millions) | 5.6098% | 1,475 |
| Cash dividends to net income (ytd only)* | 119.2605% | 304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5153% | 4,061 |
| Loan loss allowance to noncurrent loans | 2,369.3069% | 184 |
| Noncurrent assets plus other real estate owned to assets | 2.9423% | 2,279 |
| Noncurrent loans to loans | 0.0640% | 6,825 |
| Net loans and leases to total assets | 81.5422% | 406 |
| Net loans and leases to deposits | 108.3653% | 209 |
| Net loans and leases to core deposits | 139.4873% | 190 |
| Total domestic deposits to total assets | 75.2475% | 6,697 |
| Equity capital to assets | 13.2899% | 1,389 |
| Core capital (leverage) ratio | 10.0214% | 3,236 |
| Tier 1 risk-based capital ratio | 12.2137% | 5,600 |
| Total risk-based capital ratio | 13.4683% | 5,575 |
| Memoranda: | ||
| Average total assets | $193,088,330 | 3,184 |
| Average earning assets | $165,991,000 | 3,336 |
| Average equity | $25,595,670 | 2,501 |
| Average total loans | $158,789,000 | 2,554 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3859% | 1,611 |
| Cost of funding earning assets | 0.9964% | 4,230 |
| Net interest margin | 4.3895% | 1,310 |
| Noninterest income to average assets | 0.4571% | 4,214 |
| Noninterest expense to average assets | 3.2636% | 2,667 |
| Loan and lease loss provision to assets | -0.2059% | 7,509 |
| Net operating income to assets | 1.1819% | 1,564 |
| Return on assets (ROA) | 1.1819% | 1,614 |
| Pretax return on assets | 1.1819% | 2,442 |
| Return on Equity (ROE) | 8.9271% | 2,505 |
| Retained earnings to average equity (ytd only) | 1.5086% | 5,210 |
| Net charge-offs to loans | 0.8114% | 1,608 |
| Credit loss provision to net charge-offs | -30.9598% | 5,622 |
| Earnings coverage of net charge-offs (x) | 1.4675% | 3,609 |
| Efficiency ratio | 76.9791% | 2,989 |
| Assets per employee ($millions) | 6.0309% | 1,174 |
| Cash dividends to net income (ytd only)* | 83.1010% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 4,580 |
| Loan loss allowance to noncurrent loans | 291.1197% | 1,053 |
| Noncurrent assets plus other real estate owned to assets | 3.6142% | 1,883 |
| Noncurrent loans to loans | 0.4866% | 6,042 |
| Net loans and leases to total assets | 81.5705% | 380 |
| Net loans and leases to deposits | 108.7371% | 200 |
| Net loans and leases to core deposits | 138.7785% | 196 |
| Total domestic deposits to total assets | 75.0162% | 6,789 |
| Equity capital to assets | 13.3541% | 1,242 |
| Core capital (leverage) ratio | 10.2143% | 2,912 |
| Tier 1 risk-based capital ratio | 12.1349% | 5,567 |
| Total risk-based capital ratio | 13.3880% | 5,558 |
| Memoranda: | ||
| Average total assets | $194,266,500 | 3,188 |
| Average earning assets | $167,400,500 | 3,339 |
| Average equity | $25,719,500 | 2,475 |
| Average total loans | $159,223,500 | 2,578 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6689% | 1,684 |
| Cost of funding earning assets | 1.0218% | 5,580 |
| Net interest margin | 4.6472% | 913 |
| Noninterest income to average assets | 0.4076% | 4,844 |
| Noninterest expense to average assets | 2.9586% | 4,005 |
| Loan and lease loss provision to assets | 0.1532% | 5,672 |
| Net operating income to assets | 1.2964% | 1,185 |
| Return on assets (ROA) | 1.2964% | 1,241 |
| Pretax return on assets | 1.2964% | 1,933 |
| Return on Equity (ROE) | 9.9847% | 1,932 |
| Retained earnings to average equity (ytd only) | 2.0103% | 4,460 |
| Net charge-offs to loans | 0.1473% | 5,474 |
| Credit loss provision to net charge-offs | 128.7554% | 3,101 |
| Earnings coverage of net charge-offs (x) | 12.1803% | 1,533 |
| Efficiency ratio | 67.1147% | 4,743 |
| Assets per employee ($millions) | 6.1108% | 1,141 |
| Cash dividends to net income (ytd only)* | 79.8660% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6912% | 3,245 |
| Loan loss allowance to noncurrent loans | 232.0657% | 1,320 |
| Noncurrent assets plus other real estate owned to assets | 3.5424% | 1,948 |
| Noncurrent loans to loans | 0.7288% | 5,590 |
| Net loans and leases to total assets | 79.8173% | 685 |
| Net loans and leases to deposits | 106.3209% | 311 |
| Net loans and leases to core deposits | 136.0358% | 260 |
| Total domestic deposits to total assets | 75.0721% | 6,758 |
| Equity capital to assets | 13.1259% | 1,333 |
| Core capital (leverage) ratio | 9.8105% | 3,301 |
| Tier 1 risk-based capital ratio | 12.0875% | 5,398 |
| Total risk-based capital ratio | 13.3436% | 5,373 |
| Memoranda: | ||
| Average total assets | $195,769,600 | 3,150 |
| Average earning assets | $168,532,600 | 3,307 |
| Average equity | $25,418,800 | 2,512 |
| Average total loans | $158,175,600 | 2,638 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7348% | 1,593 |
| Cost of funding earning assets | 1.0329% | 5,784 |
| Net interest margin | 4.7019% | 843 |
| Noninterest income to average assets | 0.3786% | 5,130 |
| Noninterest expense to average assets | 2.9924% | 3,773 |
| Loan and lease loss provision to assets | 0.2043% | 5,011 |
| Net operating income to assets | 1.2174% | 1,543 |
| Return on assets (ROA) | 1.2174% | 1,621 |
| Pretax return on assets | 1.2174% | 2,427 |
| Return on Equity (ROE) | 9.4016% | 2,350 |
| Retained earnings to average equity (ytd only) | 1.9034% | 5,006 |
| Net charge-offs to loans | 0.2059% | 4,711 |
| Credit loss provision to net charge-offs | 122.9508% | 3,341 |
| Earnings coverage of net charge-offs (x) | 8.5572% | 2,144 |
| Efficiency ratio | 67.7927% | 4,503 |
| Assets per employee ($millions) | 6.2203% | 1,109 |
| Cash dividends to net income (ytd only)* | 79.7541% | 659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6720% | 3,246 |
| Loan loss allowance to noncurrent loans | 1,844.1379% | 207 |
| Noncurrent assets plus other real estate owned to assets | 3.0644% | 2,364 |
| Noncurrent loans to loans | 0.0907% | 7,005 |
| Net loans and leases to total assets | 81.5535% | 555 |
| Net loans and leases to deposits | 117.0144% | 143 |
| Net loans and leases to core deposits | 155.3411% | 166 |
| Total domestic deposits to total assets | 69.6953% | 7,286 |
| Equity capital to assets | 13.2382% | 1,479 |
| Core capital (leverage) ratio | 9.9806% | 3,277 |
| Tier 1 risk-based capital ratio | 12.1574% | 5,313 |
| Total risk-based capital ratio | 13.4138% | 5,271 |
| Memoranda: | ||
| Average total assets | $195,826,000 | 3,194 |
| Average earning assets | $168,069,500 | 3,360 |
| Average equity | $25,356,750 | 2,558 |
| Average total loans | $158,028,750 | 2,684 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6695% | 1,871 |
| Cost of funding earning assets | 1.0536% | 5,902 |
| Net interest margin | 4.6159% | 962 |
| Noninterest income to average assets | 0.3343% | 5,476 |
| Noninterest expense to average assets | 2.9966% | 3,725 |
| Loan and lease loss provision to assets | 0.3048% | 3,953 |
| Net operating income to assets | 1.0039% | 2,183 |
| Return on assets (ROA) | 1.0039% | 2,263 |
| Pretax return on assets | 1.0039% | 3,104 |
| Return on Equity (ROE) | 7.8103% | 2,955 |
| Retained earnings to average equity (ytd only) | 1.5099% | 5,116 |
| Net charge-offs to loans | 0.2834% | 3,921 |
| Credit loss provision to net charge-offs | 134.5291% | 2,979 |
| Earnings coverage of net charge-offs (x) | 5.7758% | 2,601 |
| Efficiency ratio | 69.6011% | 4,263 |
| Assets per employee ($millions) | 6.1145% | 1,147 |
| Cash dividends to net income (ytd only)* | 80.6680% | 751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7562% | 2,873 |
| Loan loss allowance to noncurrent loans | 998.1481% | 344 |
| Noncurrent assets plus other real estate owned to assets | 3.4192% | 2,060 |
| Noncurrent loans to loans | 0.1759% | 6,900 |
| Net loans and leases to total assets | 79.5373% | 868 |
| Net loans and leases to deposits | 128.5913% | 77 |
| Net loans and leases to core deposits | 148.1234% | 228 |
| Total domestic deposits to total assets | 61.8528% | 7,630 |
| Equity capital to assets | 13.4054% | 1,386 |
| Core capital (leverage) ratio | 9.8586% | 3,332 |
| Tier 1 risk-based capital ratio | 12.3139% | 5,028 |
| Total risk-based capital ratio | 13.5713% | 5,000 |
| Memoranda: | ||
| Average total assets | $196,825,330 | 3,206 |
| Average earning assets | $169,326,000 | 3,349 |
| Average equity | $25,300,000 | 2,561 |
| Average total loans | $157,394,330 | 2,731 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5184% | 2,503 |
| Cost of funding earning assets | 1.0568% | 6,101 |
| Net interest margin | 4.4616% | 1,230 |
| Noninterest income to average assets | 0.2474% | 6,176 |
| Noninterest expense to average assets | 2.9591% | 3,820 |
| Loan and lease loss provision to assets | 0.2993% | 3,641 |
| Net operating income to assets | 0.8640% | 2,698 |
| Return on assets (ROA) | 0.8640% | 2,788 |
| Pretax return on assets | 0.8640% | 3,609 |
| Return on Equity (ROE) | 6.8608% | 3,412 |
| Retained earnings to average equity (ytd only) | 0.0158% | 5,812 |
| Net charge-offs to loans | 0.5698% | 2,379 |
| Credit loss provision to net charge-offs | 66.0793% | 4,180 |
| Earnings coverage of net charge-offs (x) | 2.5683% | 3,258 |
| Efficiency ratio | 71.7812% | 3,966 |
| Assets per employee ($millions) | 6.4953% | 995 |
| Cash dividends to net income (ytd only)* | 99.7691% | 585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6533% | 3,237 |
| Loan loss allowance to noncurrent loans | 379.2537% | 829 |
| Noncurrent assets plus other real estate owned to assets | 3.5307% | 1,990 |
| Noncurrent loans to loans | 0.4359% | 6,428 |
| Net loans and leases to total assets | 77.5690% | 1,226 |
| Net loans and leases to deposits | 123.3090% | 111 |
| Net loans and leases to core deposits | 144.3796% | 285 |
| Total domestic deposits to total assets | 62.9062% | 7,701 |
| Equity capital to assets | 12.9606% | 1,542 |
| Core capital (leverage) ratio | 9.2116% | 4,203 |
| Tier 1 risk-based capital ratio | 12.0762% | 5,112 |
| Total risk-based capital ratio | 13.3319% | 5,077 |
| Memoranda: | ||
| Average total assets | $200,463,000 | 3,210 |
| Average earning assets | $174,108,000 | 3,337 |
| Average equity | $25,245,000 | 2,583 |
| Average total loans | $159,362,500 | 2,765 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6907% | 3,147 |
| Cost of funding earning assets | 1.2731% | 6,402 |
| Net interest margin | 4.4176% | 1,386 |
| Noninterest income to average assets | 0.3882% | 5,312 |
| Noninterest expense to average assets | 2.7627% | 5,114 |
| Loan and lease loss provision to assets | 0.6099% | 3,360 |
| Net operating income to assets | 0.9187% | 2,110 |
| Return on assets (ROA) | 0.9187% | 2,179 |
| Pretax return on assets | 0.9187% | 2,866 |
| Return on Equity (ROE) | 7.9748% | 2,384 |
| Retained earnings to average equity (ytd only) | 6.0704% | 1,325 |
| Net charge-offs to loans | 0.2436% | 5,100 |
| Credit loss provision to net charge-offs | 310.0962% | 1,063 |
| Earnings coverage of net charge-offs (x) | 7.7716% | 2,073 |
| Efficiency ratio | 64.3786% | 5,699 |
| Assets per employee ($millions) | 6.8689% | 842 |
| Cash dividends to net income (ytd only)* | 23.8806% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 3,339 |
| Loan loss allowance to noncurrent loans | 126.7183% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 2.2017% | 3,126 |
| Noncurrent loans to loans | 1.2519% | 4,852 |
| Net loans and leases to total assets | 78.8170% | 1,222 |
| Net loans and leases to deposits | 121.4808% | 159 |
| Net loans and leases to core deposits | 149.2305% | 529 |
| Total domestic deposits to total assets | 64.8802% | 7,677 |
| Equity capital to assets | 12.2461% | 1,881 |
| Core capital (leverage) ratio | 8.9802% | 4,456 |
| Tier 1 risk-based capital ratio | 11.5531% | 5,340 |
| Total risk-based capital ratio | 12.8085% | 5,297 |
| Memoranda: | ||
| Average total assets | $211,496,600 | 3,049 |
| Average earning assets | $186,867,000 | 3,126 |
| Average equity | $24,364,200 | 2,676 |
| Average total loans | $170,756,000 | 2,610 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7985% | 2,903 |
| Cost of funding earning assets | 1.3211% | 6,486 |
| Net interest margin | 4.4775% | 1,249 |
| Noninterest income to average assets | 0.3702% | 5,552 |
| Noninterest expense to average assets | 2.7235% | 5,226 |
| Loan and lease loss provision to assets | 0.7297% | 2,552 |
| Net operating income to assets | 0.8763% | 2,516 |
| Return on assets (ROA) | 0.8763% | 2,591 |
| Pretax return on assets | 0.8763% | 3,295 |
| Return on Equity (ROE) | 7.7249% | 2,759 |
| Retained earnings to average equity (ytd only) | 6.7751% | 1,598 |
| Net charge-offs to loans | 0.1192% | 5,507 |
| Credit loss provision to net charge-offs | 756.4935% | 504 |
| Earnings coverage of net charge-offs (x) | 16.6492% | 1,459 |
| Efficiency ratio | 62.9051% | 5,946 |
| Assets per employee ($millions) | 6.8912% | 827 |
| Cash dividends to net income (ytd only)* | 12.2946% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 2,619 |
| Loan loss allowance to noncurrent loans | 195.5287% | 1,502 |
| Noncurrent assets plus other real estate owned to assets | 1.5938% | 3,966 |
| Noncurrent loans to loans | 0.8706% | 5,550 |
| Net loans and leases to total assets | 76.9509% | 1,795 |
| Net loans and leases to deposits | 118.4583% | 230 |
| Net loans and leases to core deposits | 148.0407% | 627 |
| Total domestic deposits to total assets | 64.9603% | 7,727 |
| Equity capital to assets | 12.0719% | 2,207 |
| Core capital (leverage) ratio | 8.6258% | 5,264 |
| Tier 1 risk-based capital ratio | 11.4181% | 5,509 |
| Total risk-based capital ratio | 12.6747% | 5,445 |
| Memoranda: | ||
| Average total assets | $212,854,250 | 3,055 |
| Average earning assets | $188,227,000 | 3,134 |
| Average equity | $24,146,500 | 2,728 |
| Average total loans | $172,186,750 | 2,634 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7180% | 3,444 |
| Cost of funding earning assets | 1.3624% | 6,616 |
| Net interest margin | 4.3556% | 1,507 |
| Noninterest income to average assets | 0.3518% | 5,688 |
| Noninterest expense to average assets | 2.7362% | 5,235 |
| Loan and lease loss provision to assets | 0.6878% | 2,368 |
| Net operating income to assets | 0.7809% | 2,928 |
| Return on assets (ROA) | 0.7809% | 3,021 |
| Pretax return on assets | 0.7809% | 3,737 |
| Return on Equity (ROE) | 7.0279% | 3,192 |
| Retained earnings to average equity (ytd only) | 5.9892% | 2,029 |
| Net charge-offs to loans | 0.0683% | 5,552 |
| Credit loss provision to net charge-offs | 1,231.6667% | 400 |
| Earnings coverage of net charge-offs (x) | 26.3000% | 1,085 |
| Efficiency ratio | 65.0730% | 5,704 |
| Assets per employee ($millions) | 7.2427% | 690 |
| Cash dividends to net income (ytd only)* | 14.7795% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4029% | 3,704 |
| Loan loss allowance to noncurrent loans | 100.4561% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 1.9385% | 3,286 |
| Noncurrent loans to loans | 1.3966% | 4,418 |
| Net loans and leases to total assets | 78.3709% | 1,668 |
| Net loans and leases to deposits | 117.6651% | 285 |
| Net loans and leases to core deposits | 147.7963% | 706 |
| Total domestic deposits to total assets | 66.6050% | 7,703 |
| Equity capital to assets | 11.2380% | 2,727 |
| Core capital (leverage) ratio | 8.3082% | 5,784 |
| Tier 1 risk-based capital ratio | 10.4484% | 6,430 |
| Total risk-based capital ratio | 11.7014% | 6,372 |
| Memoranda: | ||
| Average total assets | $214,893,330 | 3,042 |
| Average earning assets | $190,101,000 | 3,140 |
| Average equity | $23,876,330 | 2,769 |
| Average total loans | $175,635,330 | 2,629 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1140% | 1,898 |
| Cost of funding earning assets | 1.4599% | 6,543 |
| Net interest margin | 4.6541% | 857 |
| Noninterest income to average assets | 0.2976% | 6,055 |
| Noninterest expense to average assets | 2.8096% | 4,516 |
| Loan and lease loss provision to assets | 1.1025% | 1,185 |
| Net operating income to assets | 0.4792% | 4,525 |
| Return on assets (ROA) | 0.4792% | 4,710 |
| Pretax return on assets | 0.4792% | 5,139 |
| Return on Equity (ROE) | 4.3380% | 4,778 |
| Retained earnings to average equity (ytd only) | 3.2535% | 4,062 |
| Net charge-offs to loans | 0.1333% | 3,893 |
| Credit loss provision to net charge-offs | 998.3051% | 636 |
| Earnings coverage of net charge-offs (x) | 14.3220% | 1,675 |
| Efficiency ratio | 63.9812% | 5,689 |
| Assets per employee ($millions) | 7.3546% | 659 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 4,280 |
| Loan loss allowance to noncurrent loans | 92.8163% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.7404% | 3,304 |
| Noncurrent loans to loans | 1.3674% | 4,269 |
| Net loans and leases to total assets | 80.1770% | 1,347 |
| Net loans and leases to deposits | 132.3842% | 129 |
| Net loans and leases to core deposits | 170.0186% | 342 |
| Total domestic deposits to total assets | 60.5639% | 7,953 |
| Equity capital to assets | 10.7302% | 3,257 |
| Core capital (leverage) ratio | 8.1929% | 6,121 |
| Tier 1 risk-based capital ratio | 9.5547% | 7,383 |
| Total risk-based capital ratio | 10.8055% | 7,322 |
| Memoranda: | ||
| Average total assets | $213,699,500 | 3,071 |
| Average earning assets | $187,962,500 | 3,187 |
| Average equity | $23,605,500 | 2,814 |
| Average total loans | $177,099,000 | 2,627 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1440% | 827 |
| Cost of funding earning assets | 2.0380% | 6,286 |
| Net interest margin | 5.1060% | 402 |
| Noninterest income to average assets | 0.5039% | 4,597 |
| Noninterest expense to average assets | 3.0514% | 3,892 |
| Loan and lease loss provision to assets | 1.3460% | 1,051 |
| Net operating income to assets | 0.4715% | 4,861 |
| Return on assets (ROA) | 0.4715% | 4,680 |
| Pretax return on assets | 0.4715% | 5,068 |
| Return on Equity (ROE) | 3.8612% | 4,873 |
| Retained earnings to average equity (ytd only) | -3.3196% | 6,182 |
| Net charge-offs to loans | 1.7149% | 643 |
| Credit loss provision to net charge-offs | 94.0056% | 5,572 |
| Earnings coverage of net charge-offs (x) | 1.2694% | 5,493 |
| Efficiency ratio | 59.8818% | 6,367 |
| Assets per employee ($millions) | 5.1690% | 1,762 |
| Cash dividends to net income (ytd only)* | 185.9743% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9964% | 6,093 |
| Loan loss allowance to noncurrent loans | 32.3083% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 3.5166% | 1,267 |
| Noncurrent loans to loans | 3.0842% | 1,732 |
| Net loans and leases to total assets | 83.8064% | 921 |
| Net loans and leases to deposits | 133.7009% | 167 |
| Net loans and leases to core deposits | 169.3236% | 416 |
| Total domestic deposits to total assets | 62.6820% | 7,851 |
| Equity capital to assets | 11.3832% | 2,715 |
| Core capital (leverage) ratio | 8.2253% | 6,116 |
| Tier 1 risk-based capital ratio | 9.6905% | 7,099 |
| Total risk-based capital ratio | 10.7187% | 7,260 |
| Memoranda: | ||
| Average total assets | $198,071,600 | 3,166 |
| Average earning assets | $169,330,200 | 3,347 |
| Average equity | $24,189,400 | 2,713 |
| Average total loans | $165,377,400 | 2,694 |