Home > State-Investors Bank > Performance and Condition Ratios
State-Investors Bank, Performance and Condition Ratios
| 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 | 4.6717% | 1,153 |
| Cost of funding earning assets | 1.0500% | 134 |
| Net interest margin | 3.6216% | 3,074 |
| Noninterest income to average assets | 0.0432% | 6,115 |
| Noninterest expense to average assets | 2.4267% | 4,428 |
| Loan and lease loss provision to assets | 0.0762% | 2,661 |
| Net operating income to assets | 0.6480% | 4,141 |
| Return on assets (ROA) | 0.6480% | 4,254 |
| Pretax return on assets | 0.9005% | 3,980 |
| Return on Equity (ROE) | 4.3269% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.3269% | 3,393 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3006% | 2,995 |
| Assets per employee ($millions) | 9.9472% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7674% | 5,594 |
| Loan loss allowance to noncurrent loans | 198.3333% | 2,268 |
| Noncurrent assets plus other real estate owned to assets | 0.3370% | 4,427 |
| Noncurrent loans to loans | 0.3869% | 4,227 |
| Net loans and leases to total assets | 80.4436% | 755 |
| Net loans and leases to deposits | 132.8031% | 33 |
| Net loans and leases to core deposits | 139.5113% | 172 |
| Total domestic deposits to total assets | 60.5736% | 6,170 |
| Equity capital to assets | 16.0587% | 554 |
| Core capital (leverage) ratio | 15.1149% | 615 |
| Tier 1 risk-based capital ratio | 24.6789% | 884 |
| Total risk-based capital ratio | 25.6430% | 896 |
| Memoranda: | ||
| Average total assets | $262,353,500 | 2,419 |
| Average earning assets | $243,419,750 | 2,409 |
| Average equity | $39,287,750 | 1,841 |
| Average total loans | $211,632,500 | 1,995 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6749% | 1,123 |
| Cost of funding earning assets | 1.0284% | 150 |
| Net interest margin | 3.6465% | 2,918 |
| Noninterest income to average assets | 0.0450% | 6,186 |
| Noninterest expense to average assets | 2.5042% | 4,229 |
| Loan and lease loss provision to assets | 0.0749% | 2,618 |
| Net operating income to assets | 0.5080% | 4,731 |
| Return on assets (ROA) | 0.5080% | 4,842 |
| Pretax return on assets | 0.8535% | 4,120 |
| Return on Equity (ROE) | 3.4705% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.4705% | 3,832 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9535% | 2,851 |
| Assets per employee ($millions) | 9.7084% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7185% | 5,772 |
| Loan loss allowance to noncurrent loans | 118.7153% | 3,304 |
| Noncurrent assets plus other real estate owned to assets | 0.4811% | 4,008 |
| Noncurrent loans to loans | 0.6052% | 3,653 |
| Net loans and leases to total assets | 78.9140% | 951 |
| Net loans and leases to deposits | 133.4697% | 32 |
| Net loans and leases to core deposits | 139.9904% | 169 |
| Total domestic deposits to total assets | 59.1250% | 6,256 |
| Equity capital to assets | 15.0130% | 703 |
| Core capital (leverage) ratio | 14.6075% | 686 |
| Tier 1 risk-based capital ratio | 23.3197% | 1,034 |
| Total risk-based capital ratio | 24.2148% | 1,063 |
| Memoranda: | ||
| Average total assets | $266,911,000 | 2,398 |
| Average earning assets | $247,961,000 | 2,387 |
| Average equity | $39,072,000 | 1,859 |
| Average total loans | $214,978,330 | 1,974 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 1,085 |
| Cost of funding earning assets | 1.0077% | 174 |
| Net interest margin | 3.6656% | 2,751 |
| Noninterest income to average assets | 0.0416% | 6,251 |
| Noninterest expense to average assets | 2.6453% | 3,760 |
| Loan and lease loss provision to assets | 0.0743% | 2,458 |
| Net operating income to assets | 0.5065% | 4,652 |
| Return on assets (ROA) | 0.5065% | 4,773 |
| Pretax return on assets | 0.7531% | 4,417 |
| Return on Equity (ROE) | 3.5036% | 5,175 |
| Retained earnings to average equity (ytd only) | 3.5036% | 3,895 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1762% | 2,493 |
| Assets per employee ($millions) | 8.8945% | 376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6669% | 5,962 |
| Loan loss allowance to noncurrent loans | 142.4213% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 0.3808% | 4,495 |
| Noncurrent loans to loans | 0.4682% | 4,176 |
| Net loans and leases to total assets | 80.7746% | 598 |
| Net loans and leases to deposits | 137.9585% | 23 |
| Net loans and leases to core deposits | 144.6197% | 124 |
| Total domestic deposits to total assets | 58.5499% | 6,334 |
| Equity capital to assets | 14.6481% | 792 |
| Core capital (leverage) ratio | 14.4272% | 709 |
| Tier 1 risk-based capital ratio | 22.4200% | 1,180 |
| Total risk-based capital ratio | 23.2590% | 1,224 |
| Memoranda: | ||
| Average total assets | $269,303,500 | 2,393 |
| Average earning assets | $252,070,500 | 2,374 |
| Average equity | $38,931,500 | 1,873 |
| Average total loans | $218,292,000 | 1,948 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6557% | 1,404 |
| Cost of funding earning assets | 1.0499% | 185 |
| Net interest margin | 3.6059% | 3,393 |
| Noninterest income to average assets | 0.0350% | 6,322 |
| Noninterest expense to average assets | 2.3667% | 4,931 |
| Loan and lease loss provision to assets | 0.0753% | 2,974 |
| Net operating income to assets | 0.6311% | 4,231 |
| Return on assets (ROA) | 0.6311% | 4,338 |
| Pretax return on assets | 0.9621% | 3,639 |
| Return on Equity (ROE) | 4.3210% | 4,973 |
| Retained earnings to average equity (ytd only) | 4.3210% | 3,117 |
| Net charge-offs to loans | 0.0731% | 3,439 |
| Credit loss provision to net charge-offs | 129.8701% | 1,837 |
| Earnings coverage of net charge-offs (x) | 17.8896% | 1,881 |
| Efficiency ratio | 69.5243% | 3,626 |
| Assets per employee ($millions) | 8.2355% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6361% | 6,091 |
| Loan loss allowance to noncurrent loans | 156.7901% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 4,551 |
| Noncurrent loans to loans | 0.4057% | 4,422 |
| Net loans and leases to total assets | 80.2898% | 705 |
| Net loans and leases to deposits | 136.4487% | 30 |
| Net loans and leases to core deposits | 143.6416% | 139 |
| Total domestic deposits to total assets | 58.8425% | 6,417 |
| Equity capital to assets | 14.2682% | 879 |
| Core capital (leverage) ratio | 14.1011% | 788 |
| Tier 1 risk-based capital ratio | 23.1150% | 1,070 |
| Total risk-based capital ratio | 23.9576% | 1,104 |
| Memoranda: | ||
| Average total assets | $265,565,200 | 2,383 |
| Average earning assets | $248,123,800 | 2,363 |
| Average equity | $38,787,200 | 1,822 |
| Average total loans | $210,772,600 | 1,966 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6546% | 1,421 |
| Cost of funding earning assets | 1.0513% | 189 |
| Net interest margin | 3.6033% | 3,414 |
| Noninterest income to average assets | 0.0404% | 6,405 |
| Noninterest expense to average assets | 2.3993% | 4,826 |
| Loan and lease loss provision to assets | 0.0758% | 2,825 |
| Net operating income to assets | 0.6101% | 4,402 |
| Return on assets (ROA) | 0.6101% | 4,491 |
| Pretax return on assets | 0.9302% | 3,859 |
| Return on Equity (ROE) | 4.1522% | 5,109 |
| Retained earnings to average equity (ytd only) | 4.1522% | 3,702 |
| Net charge-offs to loans | 0.0984% | 2,817 |
| Credit loss provision to net charge-offs | 97.4026% | 2,292 |
| Earnings coverage of net charge-offs (x) | 12.9349% | 2,273 |
| Efficiency ratio | 70.4583% | 3,430 |
| Assets per employee ($millions) | 8.1445% | 488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6279% | 6,191 |
| Loan loss allowance to noncurrent loans | 156.9930% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 4,798 |
| Noncurrent loans to loans | 0.3999% | 4,707 |
| Net loans and leases to total assets | 79.3175% | 798 |
| Net loans and leases to deposits | 131.3227% | 39 |
| Net loans and leases to core deposits | 137.6678% | 166 |
| Total domestic deposits to total assets | 60.3989% | 6,487 |
| Equity capital to assets | 14.2580% | 925 |
| Core capital (leverage) ratio | 14.0850% | 821 |
| Tier 1 risk-based capital ratio | 23.3608% | 1,066 |
| Total risk-based capital ratio | 24.1921% | 1,104 |
| Memoranda: | ||
| Average total assets | $264,013,250 | 2,416 |
| Average earning assets | $246,546,500 | 2,389 |
| Average equity | $38,789,750 | 1,833 |
| Average total loans | $208,565,000 | 1,995 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6104% | 1,504 |
| Cost of funding earning assets | 1.0506% | 195 |
| Net interest margin | 3.5598% | 3,529 |
| Noninterest income to average assets | 0.0389% | 6,470 |
| Noninterest expense to average assets | 2.3892% | 4,909 |
| Loan and lease loss provision to assets | 0.0762% | 2,748 |
| Net operating income to assets | 0.5845% | 4,432 |
| Return on assets (ROA) | 0.5845% | 4,526 |
| Pretax return on assets | 0.8917% | 3,917 |
| Return on Equity (ROE) | 3.9388% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.9388% | 3,675 |
| Net charge-offs to loans | 0.1336% | 2,333 |
| Credit loss provision to net charge-offs | 72.4638% | 2,425 |
| Earnings coverage of net charge-offs (x) | 9.2029% | 2,389 |
| Efficiency ratio | 71.1691% | 3,474 |
| Assets per employee ($millions) | 8.1688% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6123% | 6,298 |
| Loan loss allowance to noncurrent loans | 180.8540% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 5,245 |
| Noncurrent loans to loans | 0.3386% | 4,997 |
| Net loans and leases to total assets | 79.0610% | 790 |
| Net loans and leases to deposits | 130.4412% | 38 |
| Net loans and leases to core deposits | 137.1172% | 158 |
| Total domestic deposits to total assets | 60.6105% | 6,552 |
| Equity capital to assets | 14.6115% | 792 |
| Core capital (leverage) ratio | 14.4323% | 722 |
| Tier 1 risk-based capital ratio | 24.0346% | 981 |
| Total risk-based capital ratio | 24.8457% | 1,014 |
| Memoranda: | ||
| Average total assets | $262,428,330 | 2,436 |
| Average earning assets | $244,619,670 | 2,396 |
| Average equity | $38,946,000 | 1,817 |
| Average total loans | $206,577,670 | 2,005 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5694% | 1,585 |
| Cost of funding earning assets | 1.0565% | 203 |
| Net interest margin | 3.5129% | 3,632 |
| Noninterest income to average assets | 0.0386% | 6,514 |
| Noninterest expense to average assets | 2.4384% | 4,817 |
| Loan and lease loss provision to assets | 0.0773% | 2,596 |
| Net operating income to assets | 0.5223% | 4,581 |
| Return on assets (ROA) | 0.5223% | 4,652 |
| Pretax return on assets | 0.7958% | 4,130 |
| Return on Equity (ROE) | 3.4913% | 5,274 |
| Retained earnings to average equity (ytd only) | 3.4913% | 4,037 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6351% | 3,210 |
| Assets per employee ($millions) | 7.8564% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6845% | 6,304 |
| Loan loss allowance to noncurrent loans | 114.8361% | 3,290 |
| Noncurrent assets plus other real estate owned to assets | 0.4706% | 4,730 |
| Noncurrent loans to loans | 0.5960% | 4,369 |
| Net loans and leases to total assets | 78.4078% | 715 |
| Net loans and leases to deposits | 126.4903% | 42 |
| Net loans and leases to core deposits | 132.7812% | 168 |
| Total domestic deposits to total assets | 61.9872% | 6,623 |
| Equity capital to assets | 15.0135% | 671 |
| Core capital (leverage) ratio | 14.8661% | 616 |
| Tier 1 risk-based capital ratio | 25.2082% | 870 |
| Total risk-based capital ratio | 26.1261% | 890 |
| Memoranda: | ||
| Average total assets | $258,858,000 | 2,466 |
| Average earning assets | $241,167,500 | 2,428 |
| Average equity | $38,725,000 | 1,816 |
| Average total loans | $202,648,000 | 2,027 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3949% | 2,608 |
| Cost of funding earning assets | 1.1120% | 269 |
| Net interest margin | 3.2829% | 4,726 |
| Noninterest income to average assets | 0.0084% | 6,630 |
| Noninterest expense to average assets | 2.4155% | 5,034 |
| Loan and lease loss provision to assets | 0.0622% | 3,894 |
| Net operating income to assets | 0.3632% | 5,284 |
| Return on assets (ROA) | 0.3632% | 5,399 |
| Pretax return on assets | 0.5637% | 4,999 |
| Return on Equity (ROE) | 2.3865% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.3865% | 4,547 |
| Net charge-offs to loans | 0.2839% | 2,274 |
| Credit loss provision to net charge-offs | 29.3785% | 4,265 |
| Earnings coverage of net charge-offs (x) | 2.9567% | 4,004 |
| Efficiency ratio | 79.4206% | 2,254 |
| Assets per employee ($millions) | 7.8320% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6734% | 6,385 |
| Loan loss allowance to noncurrent loans | 60.0979% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 0.8698% | 3,716 |
| Noncurrent loans to loans | 1.1206% | 3,294 |
| Net loans and leases to total assets | 77.0978% | 945 |
| Net loans and leases to deposits | 122.2471% | 57 |
| Net loans and leases to core deposits | 128.0140% | 217 |
| Total domestic deposits to total assets | 63.0672% | 6,684 |
| Equity capital to assets | 14.9062% | 688 |
| Core capital (leverage) ratio | 14.7783% | 634 |
| Tier 1 risk-based capital ratio | 25.2260% | 835 |
| Total risk-based capital ratio | 26.1197% | 850 |
| Memoranda: | ||
| Average total assets | $250,840,200 | 2,524 |
| Average earning assets | $231,744,600 | 2,503 |
| Average equity | $38,173,400 | 1,818 |
| Average total loans | $187,070,400 | 2,134 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4020% | 2,592 |
| Cost of funding earning assets | 1.1153% | 289 |
| Net interest margin | 3.2867% | 4,689 |
| Noninterest income to average assets | 0.0214% | 6,692 |
| Noninterest expense to average assets | 2.4439% | 4,895 |
| Loan and lease loss provision to assets | 0.0836% | 3,394 |
| Net operating income to assets | 0.3417% | 5,460 |
| Return on assets (ROA) | 0.3417% | 5,588 |
| Pretax return on assets | 0.5260% | 5,280 |
| Return on Equity (ROE) | 2.2335% | 5,866 |
| Retained earnings to average equity (ytd only) | 2.2335% | 4,978 |
| Net charge-offs to loans | 0.5270% | 1,222 |
| Credit loss provision to net charge-offs | 21.4876% | 4,048 |
| Earnings coverage of net charge-offs (x) | 1.5675% | 4,314 |
| Efficiency ratio | 80.0386% | 2,094 |
| Assets per employee ($millions) | 7.7567% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5920% | 6,569 |
| Loan loss allowance to noncurrent loans | 42.8307% | 5,525 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 3,456 |
| Noncurrent loans to loans | 1.3823% | 3,100 |
| Net loans and leases to total assets | 75.8286% | 1,024 |
| Net loans and leases to deposits | 118.1965% | 79 |
| Net loans and leases to core deposits | 123.7125% | 267 |
| Total domestic deposits to total assets | 64.1547% | 6,749 |
| Equity capital to assets | 14.9200% | 726 |
| Core capital (leverage) ratio | 14.8115% | 671 |
| Tier 1 risk-based capital ratio | 25.8616% | 796 |
| Total risk-based capital ratio | 26.6511% | 826 |
| Memoranda: | ||
| Average total assets | $248,936,250 | 2,558 |
| Average earning assets | $229,647,250 | 2,533 |
| Average equity | $38,085,250 | 1,835 |
| Average total loans | $183,684,250 | 2,170 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 2,318 |
| Cost of funding earning assets | 1.1229% | 305 |
| Net interest margin | 3.3450% | 4,401 |
| Noninterest income to average assets | 0.0089% | 6,774 |
| Noninterest expense to average assets | 2.4916% | 4,766 |
| Loan and lease loss provision to assets | 0.0860% | 3,366 |
| Net operating income to assets | 0.3374% | 5,456 |
| Return on assets (ROA) | 0.3374% | 5,622 |
| Pretax return on assets | 0.5191% | 5,307 |
| Return on Equity (ROE) | 2.1866% | 5,892 |
| Retained earnings to average equity (ytd only) | 2.1866% | 4,888 |
| Net charge-offs to loans | 0.5850% | 1,132 |
| Credit loss provision to net charge-offs | 20.1521% | 3,731 |
| Earnings coverage of net charge-offs (x) | 1.4183% | 4,062 |
| Efficiency ratio | 80.4610% | 2,093 |
| Assets per employee ($millions) | 7.5033% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7054% | 6,487 |
| Loan loss allowance to noncurrent loans | 47.9794% | 5,287 |
| Noncurrent assets plus other real estate owned to assets | 1.1462% | 3,454 |
| Noncurrent loans to loans | 1.4702% | 3,103 |
| Net loans and leases to total assets | 74.2434% | 1,213 |
| Net loans and leases to deposits | 114.1096% | 95 |
| Net loans and leases to core deposits | 119.5256% | 325 |
| Total domestic deposits to total assets | 65.0632% | 6,778 |
| Equity capital to assets | 15.4004% | 635 |
| Core capital (leverage) ratio | 15.2327% | 575 |
| Tier 1 risk-based capital ratio | 26.8086% | 707 |
| Total risk-based capital ratio | 27.7387% | 716 |
| Memoranda: | ||
| Average total assets | $246,591,000 | 2,581 |
| Average earning assets | $227,623,330 | 2,561 |
| Average equity | $38,050,000 | 1,842 |
| Average total loans | $179,827,000 | 2,200 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5904% | 1,851 |
| Cost of funding earning assets | 1.1356% | 311 |
| Net interest margin | 3.4548% | 3,880 |
| Noninterest income to average assets | 0.0390% | 6,766 |
| Noninterest expense to average assets | 2.5341% | 4,635 |
| Loan and lease loss provision to assets | 0.0813% | 3,296 |
| Net operating income to assets | 0.3820% | 5,204 |
| Return on assets (ROA) | 0.3820% | 5,348 |
| Pretax return on assets | 0.5884% | 4,985 |
| Return on Equity (ROE) | 2.4731% | 5,789 |
| Retained earnings to average equity (ytd only) | 2.4731% | 4,789 |
| Net charge-offs to loans | 0.9482% | 648 |
| Credit loss provision to net charge-offs | 11.9048% | 3,127 |
| Earnings coverage of net charge-offs (x) | 0.9810% | 3,510 |
| Efficiency ratio | 79.0969% | 2,459 |
| Assets per employee ($millions) | 7.4545% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7627% | 6,515 |
| Loan loss allowance to noncurrent loans | 47.6458% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 1.2016% | 3,567 |
| Noncurrent loans to loans | 1.6008% | 3,141 |
| Net loans and leases to total assets | 71.7189% | 1,399 |
| Net loans and leases to deposits | 106.4192% | 190 |
| Net loans and leases to core deposits | 111.3055% | 455 |
| Total domestic deposits to total assets | 67.3928% | 6,822 |
| Equity capital to assets | 15.5099% | 633 |
| Core capital (leverage) ratio | 15.2715% | 555 |
| Tier 1 risk-based capital ratio | 27.8493% | 651 |
| Total risk-based capital ratio | 28.8573% | 653 |
| Memoranda: | ||
| Average total assets | $246,081,500 | 2,622 |
| Average earning assets | $225,426,500 | 2,609 |
| Average equity | $38,008,500 | 1,865 |
| Average total loans | $177,170,500 | 2,244 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6415% | 2,840 |
| Cost of funding earning assets | 1.2049% | 562 |
| Net interest margin | 3.4365% | 4,758 |
| Noninterest income to average assets | 0.0340% | 6,737 |
| Noninterest expense to average assets | 2.4797% | 5,162 |
| Loan and lease loss provision to assets | 0.0581% | 5,048 |
| Net operating income to assets | 0.4354% | 4,944 |
| Return on assets (ROA) | 0.4354% | 5,188 |
| Pretax return on assets | 0.6739% | 4,749 |
| Return on Equity (ROE) | 2.8637% | 5,605 |
| Retained earnings to average equity (ytd only) | 2.8637% | 4,226 |
| Net charge-offs to loans | 0.0067% | 5,861 |
| Credit loss provision to net charge-offs | 1,183.3333% | 220 |
| Earnings coverage of net charge-offs (x) | 149.0833% | 285 |
| Efficiency ratio | 77.2073% | 2,562 |
| Assets per employee ($millions) | 7.4595% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9776% | 6,037 |
| Loan loss allowance to noncurrent loans | 48.3744% | 5,214 |
| Noncurrent assets plus other real estate owned to assets | 1.4494% | 3,204 |
| Noncurrent loans to loans | 2.0209% | 2,671 |
| Net loans and leases to total assets | 71.0223% | 1,644 |
| Net loans and leases to deposits | 104.1752% | 260 |
| Net loans and leases to core deposits | 108.8896% | 574 |
| Total domestic deposits to total assets | 68.1758% | 6,853 |
| Equity capital to assets | 15.3811% | 661 |
| Core capital (leverage) ratio | 15.1616% | 549 |
| Tier 1 risk-based capital ratio | 29.0144% | 559 |
| Total risk-based capital ratio | 30.2653% | 549 |
| Memoranda: | ||
| Average total assets | $244,383,000 | 2,582 |
| Average earning assets | $225,985,000 | 2,557 |
| Average equity | $37,154,200 | 1,867 |
| Average total loans | $179,274,200 | 2,210 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6959% | 2,821 |
| Cost of funding earning assets | 1.1987% | 694 |
| Net interest margin | 3.4972% | 4,660 |
| Noninterest income to average assets | 0.0355% | 6,848 |
| Noninterest expense to average assets | 2.4995% | 5,091 |
| Loan and lease loss provision to assets | 0.0503% | 5,132 |
| Net operating income to assets | 0.4651% | 4,973 |
| Return on assets (ROA) | 0.4651% | 5,229 |
| Pretax return on assets | 0.7275% | 4,758 |
| Return on Equity (ROE) | 3.0685% | 5,657 |
| Retained earnings to average equity (ytd only) | 3.0685% | 4,715 |
| Net charge-offs to loans | 0.0089% | 5,592 |
| Credit loss provision to net charge-offs | 766.6667% | 367 |
| Earnings coverage of net charge-offs (x) | 118.5806% | 362 |
| Efficiency ratio | 76.2675% | 2,635 |
| Assets per employee ($millions) | 7.4038% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9265% | 6,310 |
| Loan loss allowance to noncurrent loans | 44.7053% | 5,415 |
| Noncurrent assets plus other real estate owned to assets | 1.5344% | 3,278 |
| Noncurrent loans to loans | 2.0724% | 2,770 |
| Net loans and leases to total assets | 73.3552% | 1,343 |
| Net loans and leases to deposits | 109.7943% | 160 |
| Net loans and leases to core deposits | 113.5557% | 444 |
| Total domestic deposits to total assets | 66.8114% | 6,957 |
| Equity capital to assets | 15.4094% | 722 |
| Core capital (leverage) ratio | 15.1883% | 579 |
| Tier 1 risk-based capital ratio | 28.3025% | 629 |
| Total risk-based capital ratio | 29.5527% | 613 |
| Memoranda: | ||
| Average total assets | $243,937,500 | 2,613 |
| Average earning assets | $226,120,500 | 2,573 |
| Average equity | $36,977,000 | 1,900 |
| Average total loans | $179,953,250 | 2,228 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 2,947 |
| Cost of funding earning assets | 1.1965% | 834 |
| Net interest margin | 3.4960% | 4,683 |
| Noninterest income to average assets | 0.0345% | 6,908 |
| Noninterest expense to average assets | 2.4806% | 5,207 |
| Loan and lease loss provision to assets | 0.0509% | 5,032 |
| Net operating income to assets | 0.4782% | 4,915 |
| Return on assets (ROA) | 0.4782% | 5,162 |
| Pretax return on assets | 0.7555% | 4,625 |
| Return on Equity (ROE) | 3.1725% | 5,617 |
| Retained earnings to average equity (ytd only) | 3.1725% | 4,501 |
| Net charge-offs to loans | 0.0134% | 5,257 |
| Credit loss provision to net charge-offs | 516.6667% | 582 |
| Earnings coverage of net charge-offs (x) | 81.9167% | 502 |
| Efficiency ratio | 75.4679% | 2,828 |
| Assets per employee ($millions) | 7.2162% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9088% | 6,433 |
| Loan loss allowance to noncurrent loans | 44.0696% | 5,447 |
| Noncurrent assets plus other real estate owned to assets | 1.5223% | 3,420 |
| Noncurrent loans to loans | 2.0621% | 2,874 |
| Net loans and leases to total assets | 73.1514% | 1,371 |
| Net loans and leases to deposits | 112.6498% | 120 |
| Net loans and leases to core deposits | 116.1799% | 390 |
| Total domestic deposits to total assets | 64.9370% | 7,067 |
| Equity capital to assets | 15.1486% | 746 |
| Core capital (leverage) ratio | 15.0027% | 598 |
| Tier 1 risk-based capital ratio | 28.4001% | 618 |
| Total risk-based capital ratio | 29.6506% | 604 |
| Memoranda: | ||
| Average total assets | $243,808,330 | 2,615 |
| Average earning assets | $226,829,330 | 2,565 |
| Average equity | $36,753,000 | 1,901 |
| Average total loans | $179,637,330 | 2,239 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7105% | 3,017 |
| Cost of funding earning assets | 1.2189% | 899 |
| Net interest margin | 3.4917% | 4,753 |
| Noninterest income to average assets | 0.0280% | 7,023 |
| Noninterest expense to average assets | 2.4753% | 5,233 |
| Loan and lease loss provision to assets | 0.0494% | 4,790 |
| Net operating income to assets | 0.4789% | 4,913 |
| Return on assets (ROA) | 0.4789% | 5,110 |
| Pretax return on assets | 0.7423% | 4,639 |
| Return on Equity (ROE) | 3.1850% | 5,636 |
| Retained earnings to average equity (ytd only) | 3.1850% | 4,656 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7683% | 2,817 |
| Assets per employee ($millions) | 7.1336% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8980% | 6,538 |
| Loan loss allowance to noncurrent loans | 35.9894% | 5,852 |
| Noncurrent assets plus other real estate owned to assets | 1.8628% | 3,103 |
| Noncurrent loans to loans | 2.4953% | 2,610 |
| Net loans and leases to total assets | 73.9814% | 1,069 |
| Net loans and leases to deposits | 113.0405% | 104 |
| Net loans and leases to core deposits | 116.8142% | 365 |
| Total domestic deposits to total assets | 65.4468% | 7,118 |
| Equity capital to assets | 15.1656% | 720 |
| Core capital (leverage) ratio | 15.0300% | 596 |
| Tier 1 risk-based capital ratio | 28.3169% | 616 |
| Total risk-based capital ratio | 29.5667% | 604 |
| Memoranda: | ||
| Average total assets | $243,037,500 | 2,633 |
| Average earning assets | $225,451,500 | 2,595 |
| Average equity | $36,546,000 | 1,902 |
| Average total loans | $178,894,500 | 2,258 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9143% | 3,292 |
| Cost of funding earning assets | 1.5502% | 585 |
| Net interest margin | 3.3641% | 5,602 |
| Noninterest income to average assets | 0.0881% | 6,689 |
| Noninterest expense to average assets | 2.4221% | 5,715 |
| Loan and lease loss provision to assets | 0.0643% | 5,807 |
| Net operating income to assets | 0.4555% | 4,609 |
| Return on assets (ROA) | 0.4555% | 4,823 |
| Pretax return on assets | 0.6906% | 4,355 |
| Return on Equity (ROE) | 3.9854% | 4,855 |
| Retained earnings to average equity (ytd only) | 3.9854% | 3,358 |
| Net charge-offs to loans | 0.1015% | 5,339 |
| Credit loss provision to net charge-offs | 83.6957% | 4,289 |
| Earnings coverage of net charge-offs (x) | 9.8261% | 1,927 |
| Efficiency ratio | 76.2387% | 2,851 |
| Assets per employee ($millions) | 7.6104% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9031% | 6,528 |
| Loan loss allowance to noncurrent loans | 47.3310% | 5,163 |
| Noncurrent assets plus other real estate owned to assets | 1.3846% | 3,926 |
| Noncurrent loans to loans | 1.9080% | 3,334 |
| Net loans and leases to total assets | 71.9126% | 1,660 |
| Net loans and leases to deposits | 106.6643% | 231 |
| Net loans and leases to core deposits | 110.6051% | 605 |
| Total domestic deposits to total assets | 67.4196% | 7,092 |
| Equity capital to assets | 14.9093% | 804 |
| Core capital (leverage) ratio | 14.8582% | 630 |
| Tier 1 risk-based capital ratio | 28.3134% | 602 |
| Total risk-based capital ratio | 29.5630% | 597 |
| Memoranda: | ||
| Average total assets | $239,499,400 | 2,641 |
| Average earning assets | $219,907,600 | 2,614 |
| Average equity | $27,374,600 | 2,368 |
| Average total loans | $181,301,000 | 2,225 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9329% | 3,413 |
| Cost of funding earning assets | 1.6090% | 556 |
| Net interest margin | 3.3239% | 5,788 |
| Noninterest income to average assets | 0.0861% | 6,806 |
| Noninterest expense to average assets | 2.4369% | 5,672 |
| Loan and lease loss provision to assets | 0.0693% | 5,591 |
| Net operating income to assets | 0.3997% | 5,008 |
| Return on assets (ROA) | 0.3997% | 5,189 |
| Pretax return on assets | 0.6301% | 4,715 |
| Return on Equity (ROE) | 3.7919% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.7919% | 4,033 |
| Net charge-offs to loans | 0.1345% | 4,708 |
| Credit loss provision to net charge-offs | 67.3913% | 4,562 |
| Earnings coverage of net charge-offs (x) | 6.7988% | 2,483 |
| Efficiency ratio | 77.7005% | 2,586 |
| Assets per employee ($millions) | 7.7134% | 531 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7922% | 6,831 |
| Loan loss allowance to noncurrent loans | 79.2649% | 3,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7386% | 5,307 |
| Noncurrent loans to loans | 0.9995% | 4,893 |
| Net loans and leases to total assets | 73.3103% | 1,454 |
| Net loans and leases to deposits | 103.5870% | 327 |
| Net loans and leases to core deposits | 107.3263% | 793 |
| Total domestic deposits to total assets | 70.7717% | 6,995 |
| Equity capital to assets | 14.5773% | 968 |
| Core capital (leverage) ratio | 14.5101% | 771 |
| Tier 1 risk-based capital ratio | 27.2486% | 719 |
| Total risk-based capital ratio | 28.3489% | 717 |
| Memoranda: | ||
| Average total assets | $238,491,000 | 2,663 |
| Average earning assets | $218,853,000 | 2,642 |
| Average equity | $25,141,000 | 2,562 |
| Average total loans | $182,444,500 | 2,230 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1156% | 2,605 |
| Cost of funding earning assets | 1.6767% | 513 |
| Net interest margin | 3.4389% | 5,411 |
| Noninterest income to average assets | 0.0815% | 6,922 |
| Noninterest expense to average assets | 2.4785% | 5,619 |
| Loan and lease loss provision to assets | 0.0798% | 5,312 |
| Net operating income to assets | 0.4149% | 4,874 |
| Return on assets (ROA) | 0.4149% | 5,028 |
| Pretax return on assets | 0.6610% | 4,528 |
| Return on Equity (ROE) | 4.5430% | 4,678 |
| Retained earnings to average equity (ytd only) | 4.5430% | 3,298 |
| Net charge-offs to loans | 0.2017% | 3,940 |
| Credit loss provision to net charge-offs | 51.0870% | 4,555 |
| Earnings coverage of net charge-offs (x) | 4.7446% | 2,791 |
| Efficiency ratio | 76.9900% | 2,864 |
| Assets per employee ($millions) | 8.6144% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7764% | 6,910 |
| Loan loss allowance to noncurrent loans | 60.9914% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 0.8239% | 5,235 |
| Noncurrent loans to loans | 1.2730% | 4,542 |
| Net loans and leases to total assets | 63.6133% | 3,549 |
| Net loans and leases to deposits | 76.0486% | 3,460 |
| Net loans and leases to core deposits | 77.8697% | 4,067 |
| Total domestic deposits to total assets | 83.6482% | 4,489 |
| Equity capital to assets | 7.6662% | 6,872 |
| Core capital (leverage) ratio | 7.6015% | 6,668 |
| Tier 1 risk-based capital ratio | 15.0224% | 3,483 |
| Total risk-based capital ratio | 16.0068% | 3,606 |
| Memoranda: | ||
| Average total assets | $235,711,670 | 2,698 |
| Average earning assets | $215,068,330 | 2,701 |
| Average equity | $21,527,670 | 2,920 |
| Average total loans | $182,460,670 | 2,255 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6343% | 1,002 |
| Cost of funding earning assets | 1.8980% | 252 |
| Net interest margin | 3.7363% | 3,913 |
| Noninterest income to average assets | 0.0965% | 6,932 |
| Noninterest expense to average assets | 2.7943% | 4,466 |
| Loan and lease loss provision to assets | 0.0568% | 5,290 |
| Net operating income to assets | 0.4143% | 4,882 |
| Return on assets (ROA) | 0.4143% | 4,976 |
| Pretax return on assets | 0.6716% | 4,411 |
| Return on Equity (ROE) | 4.0944% | 4,849 |
| Retained earnings to average equity (ytd only) | 4.0944% | 3,706 |
| Net charge-offs to loans | 0.3286% | 2,740 |
| Credit loss provision to net charge-offs | 20.0000% | 4,252 |
| Earnings coverage of net charge-offs (x) | 2.5667% | 3,054 |
| Efficiency ratio | 79.3233% | 2,644 |
| Assets per employee ($millions) | 6.4924% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7569% | 6,997 |
| Loan loss allowance to noncurrent loans | 67.5939% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.0343% | 4,843 |
| Noncurrent loans to loans | 1.1197% | 4,833 |
| Net loans and leases to total assets | 84.7663% | 186 |
| Net loans and leases to deposits | 109.4517% | 191 |
| Net loans and leases to core deposits | 113.0245% | 627 |
| Total domestic deposits to total assets | 77.4462% | 6,459 |
| Equity capital to assets | 10.0370% | 3,732 |
| Core capital (leverage) ratio | 9.9617% | 3,189 |
| Tier 1 risk-based capital ratio | 16.2821% | 2,772 |
| Total risk-based capital ratio | 17.3396% | 2,836 |
| Memoranda: | ||
| Average total assets | $211,430,500 | 2,972 |
| Average earning assets | $193,884,000 | 2,961 |
| Average equity | $21,395,000 | 2,928 |
| Average total loans | $182,565,500 | 2,283 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8974% | 1,052 |
| Cost of funding earning assets | 2.2461% | 262 |
| Net interest margin | 3.6513% | 4,566 |
| Noninterest income to average assets | 0.0132% | 7,236 |
| Noninterest expense to average assets | 2.6104% | 5,372 |
| Loan and lease loss provision to assets | 0.0591% | 6,551 |
| Net operating income to assets | 0.4805% | 4,191 |
| Return on assets (ROA) | 0.4584% | 4,445 |
| Pretax return on assets | 0.7129% | 3,927 |
| Return on Equity (ROE) | 4.6716% | 4,224 |
| Retained earnings to average equity (ytd only) | 4.6716% | 2,628 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3948% | 2,991 |
| Assets per employee ($millions) | 6.3216% | 1,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8263% | 6,917 |
| Loan loss allowance to noncurrent loans | 102.1031% | 2,841 |
| Noncurrent assets plus other real estate owned to assets | 0.7866% | 5,435 |
| Noncurrent loans to loans | 0.8093% | 5,430 |
| Net loans and leases to total assets | 86.5866% | 157 |
| Net loans and leases to deposits | 112.9071% | 189 |
| Net loans and leases to core deposits | 116.1853% | 633 |
| Total domestic deposits to total assets | 76.6884% | 6,532 |
| Equity capital to assets | 10.2036% | 3,495 |
| Core capital (leverage) ratio | 10.1234% | 2,953 |
| Tier 1 risk-based capital ratio | 16.4585% | 2,540 |
| Total risk-based capital ratio | 17.6325% | 2,536 |
| Memoranda: | ||
| Average total assets | $211,384,000 | 2,967 |
| Average earning assets | $197,052,200 | 2,914 |
| Average equity | $20,742,400 | 3,049 |
| Average total loans | $182,872,800 | 2,318 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9513% | 1,032 |
| Cost of funding earning assets | 2.2829% | 289 |
| Net interest margin | 3.6685% | 4,552 |
| Noninterest income to average assets | 0.0409% | 7,313 |
| Noninterest expense to average assets | 2.6235% | 5,231 |
| Loan and lease loss provision to assets | 0.0692% | 6,371 |
| Net operating income to assets | 0.4896% | 4,361 |
| Return on assets (ROA) | 0.4602% | 4,669 |
| Pretax return on assets | 0.7261% | 4,157 |
| Return on Equity (ROE) | 4.7363% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.7363% | 3,172 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7213% | 3,001 |
| Assets per employee ($millions) | 6.3911% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7480% | 7,116 |
| Loan loss allowance to noncurrent loans | 61.3553% | 4,233 |
| Noncurrent assets plus other real estate owned to assets | 1.4049% | 4,344 |
| Noncurrent loans to loans | 1.2192% | 4,811 |
| Net loans and leases to total assets | 84.3020% | 315 |
| Net loans and leases to deposits | 111.4644% | 229 |
| Net loans and leases to core deposits | 114.5156% | 813 |
| Total domestic deposits to total assets | 75.6313% | 6,713 |
| Equity capital to assets | 9.9646% | 4,202 |
| Core capital (leverage) ratio | 9.9446% | 3,304 |
| Tier 1 risk-based capital ratio | 16.4209% | 2,591 |
| Total risk-based capital ratio | 17.4703% | 2,615 |
| Memoranda: | ||
| Average total assets | $212,076,750 | 3,007 |
| Average earning assets | $197,933,500 | 2,950 |
| Average equity | $20,606,500 | 3,097 |
| Average total loans | $183,057,000 | 2,356 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8991% | 1,189 |
| Cost of funding earning assets | 2.2999% | 337 |
| Net interest margin | 3.5992% | 4,813 |
| Noninterest income to average assets | 0.0367% | 7,401 |
| Noninterest expense to average assets | 2.5482% | 5,528 |
| Loan and lease loss provision to assets | 0.0706% | 6,246 |
| Net operating income to assets | 0.5087% | 4,284 |
| Return on assets (ROA) | 0.4810% | 4,569 |
| Pretax return on assets | 0.7568% | 4,039 |
| Return on Equity (ROE) | 4.9927% | 4,289 |
| Retained earnings to average equity (ytd only) | 4.9927% | 2,903 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5319% | 3,359 |
| Assets per employee ($millions) | 6.4238% | 988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7149% | 7,213 |
| Loan loss allowance to noncurrent loans | 97.0982% | 2,836 |
| Noncurrent assets plus other real estate owned to assets | 1.0015% | 5,144 |
| Noncurrent loans to loans | 0.7362% | 5,784 |
| Net loans and leases to total assets | 85.5001% | 255 |
| Net loans and leases to deposits | 116.9801% | 163 |
| Net loans and leases to core deposits | 118.7856% | 735 |
| Total domestic deposits to total assets | 73.0894% | 7,089 |
| Equity capital to assets | 9.7916% | 4,280 |
| Core capital (leverage) ratio | 9.7776% | 3,434 |
| Tier 1 risk-based capital ratio | 16.0477% | 2,650 |
| Total risk-based capital ratio | 17.0582% | 2,717 |
| Memoranda: | ||
| Average total assets | $212,467,000 | 3,026 |
| Average earning assets | $199,657,670 | 2,957 |
| Average equity | $20,470,000 | 3,113 |
| Average total loans | $184,363,330 | 2,372 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9160% | 1,166 |
| Cost of funding earning assets | 2.3412% | 376 |
| Net interest margin | 3.5748% | 4,835 |
| Noninterest income to average assets | 0.0320% | 7,548 |
| Noninterest expense to average assets | 2.4936% | 5,750 |
| Loan and lease loss provision to assets | 0.0846% | 5,791 |
| Net operating income to assets | 0.5223% | 4,275 |
| Return on assets (ROA) | 0.4946% | 4,552 |
| Pretax return on assets | 0.7729% | 3,978 |
| Return on Equity (ROE) | 5.1755% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.1755% | 3,056 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4626% | 3,674 |
| Assets per employee ($millions) | 6.5502% | 972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6965% | 7,341 |
| Loan loss allowance to noncurrent loans | 55.7987% | 4,611 |
| Noncurrent assets plus other real estate owned to assets | 1.5364% | 4,200 |
| Noncurrent loans to loans | 1.2483% | 4,890 |
| Net loans and leases to total assets | 84.0975% | 363 |
| Net loans and leases to deposits | 120.2581% | 134 |
| Net loans and leases to core deposits | 122.3579% | 699 |
| Total domestic deposits to total assets | 69.9308% | 7,410 |
| Equity capital to assets | 9.4728% | 4,577 |
| Core capital (leverage) ratio | 9.4582% | 3,835 |
| Tier 1 risk-based capital ratio | 15.7193% | 2,767 |
| Total risk-based capital ratio | 16.6997% | 2,841 |
| Memoranda: | ||
| Average total assets | $212,707,000 | 3,073 |
| Average earning assets | $200,068,000 | 2,997 |
| Average equity | $20,326,500 | 3,165 |
| Average total loans | $185,268,000 | 2,425 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2662% | 1,087 |
| Cost of funding earning assets | 2.8313% | 402 |
| Net interest margin | 3.4349% | 5,239 |
| Noninterest income to average assets | 0.1102% | 7,212 |
| Noninterest expense to average assets | 2.5763% | 5,881 |
| Loan and lease loss provision to assets | 0.0736% | 6,849 |
| Net operating income to assets | 0.4335% | 3,993 |
| Return on assets (ROA) | 0.4061% | 4,211 |
| Pretax return on assets | 0.6393% | 3,780 |
| Return on Equity (ROE) | 4.3456% | 3,947 |
| Retained earnings to average equity (ytd only) | 4.3456% | 2,197 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3200% | 3,306 |
| Assets per employee ($millions) | 6.5393% | 974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6561% | 7,462 |
| Loan loss allowance to noncurrent loans | 50.4305% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 1.5378% | 4,074 |
| Noncurrent loans to loans | 1.3009% | 4,754 |
| Net loans and leases to total assets | 89.0045% | 128 |
| Net loans and leases to deposits | 129.5841% | 91 |
| Net loans and leases to core deposits | 167.6689% | 259 |
| Total domestic deposits to total assets | 68.6847% | 7,507 |
| Equity capital to assets | 9.6421% | 4,223 |
| Core capital (leverage) ratio | 9.6149% | 3,576 |
| Tier 1 risk-based capital ratio | 15.6014% | 2,674 |
| Total risk-based capital ratio | 16.5555% | 2,754 |
| Memoranda: | ||
| Average total assets | $210,532,200 | 3,061 |
| Average earning assets | $197,471,400 | 3,005 |
| Average equity | $19,675,200 | 3,252 |
| Average total loans | $187,720,200 | 2,429 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2395% | 1,272 |
| Cost of funding earning assets | 2.9034% | 449 |
| Net interest margin | 3.3361% | 5,503 |
| Noninterest income to average assets | 0.1220% | 7,281 |
| Noninterest expense to average assets | 2.5420% | 5,934 |
| Loan and lease loss provision to assets | 0.0696% | 6,665 |
| Net operating income to assets | 0.4142% | 4,345 |
| Return on assets (ROA) | 0.4142% | 4,442 |
| Pretax return on assets | 0.6355% | 4,072 |
| Return on Equity (ROE) | 4.4671% | 4,178 |
| Retained earnings to average equity (ytd only) | 4.4671% | 2,778 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2863% | 3,120 |
| Assets per employee ($millions) | 7.1242% | 741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6241% | 7,537 |
| Loan loss allowance to noncurrent loans | 35.2469% | 6,062 |
| Noncurrent assets plus other real estate owned to assets | 1.5730% | 3,996 |
| Noncurrent loans to loans | 1.7708% | 3,961 |
| Net loans and leases to total assets | 88.2798% | 191 |
| Net loans and leases to deposits | 135.0425% | 86 |
| Net loans and leases to core deposits | 173.4394% | 238 |
| Total domestic deposits to total assets | 65.3719% | 7,716 |
| Equity capital to assets | 9.3176% | 5,008 |
| Core capital (leverage) ratio | 9.3214% | 4,152 |
| Tier 1 risk-based capital ratio | 15.0363% | 3,019 |
| Total risk-based capital ratio | 15.9307% | 3,132 |
| Memoranda: | ||
| Average total assets | $210,850,500 | 3,078 |
| Average earning assets | $197,511,500 | 3,019 |
| Average equity | $19,549,750 | 3,309 |
| Average total loans | $187,780,250 | 2,453 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1948% | 1,476 |
| Cost of funding earning assets | 3.0292% | 429 |
| Net interest margin | 3.1656% | 6,041 |
| Noninterest income to average assets | 0.1525% | 7,183 |
| Noninterest expense to average assets | 2.3517% | 6,621 |
| Loan and lease loss provision to assets | 0.0667% | 6,543 |
| Net operating income to assets | 0.4355% | 4,355 |
| Return on assets (ROA) | 0.4355% | 4,469 |
| Pretax return on assets | 0.6975% | 4,001 |
| Return on Equity (ROE) | 4.7045% | 4,212 |
| Retained earnings to average equity (ytd only) | 4.7045% | 2,683 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4740% | 3,792 |
| Assets per employee ($millions) | 7.1170% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5966% | 7,636 |
| Loan loss allowance to noncurrent loans | 43.3220% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 1.2379% | 4,466 |
| Noncurrent loans to loans | 1.3771% | 4,461 |
| Net loans and leases to total assets | 89.3564% | 161 |
| Net loans and leases to deposits | 144.0989% | 73 |
| Net loans and leases to core deposits | 181.3933% | 214 |
| Total domestic deposits to total assets | 62.0105% | 7,892 |
| Equity capital to assets | 9.2296% | 4,964 |
| Core capital (leverage) ratio | 9.2372% | 4,257 |
| Tier 1 risk-based capital ratio | 14.7816% | 3,110 |
| Total risk-based capital ratio | 15.6397% | 3,248 |
| Memoranda: | ||
| Average total assets | $209,892,330 | 3,105 |
| Average earning assets | $196,488,670 | 3,048 |
| Average equity | $19,428,330 | 3,333 |
| Average total loans | $187,086,670 | 2,490 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2630% | 1,402 |
| Cost of funding earning assets | 3.1160% | 440 |
| Net interest margin | 3.1470% | 6,033 |
| Noninterest income to average assets | 0.1884% | 6,945 |
| Noninterest expense to average assets | 2.2568% | 6,669 |
| Loan and lease loss provision to assets | 0.0673% | 6,107 |
| Net operating income to assets | 0.5363% | 4,270 |
| Return on assets (ROA) | 0.5363% | 4,461 |
| Pretax return on assets | 0.7958% | 4,089 |
| Return on Equity (ROE) | 5.7855% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.7855% | 2,736 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3352% | 4,131 |
| Assets per employee ($millions) | 6.9668% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6019% | 7,653 |
| Loan loss allowance to noncurrent loans | 43.9604% | 5,591 |
| Noncurrent assets plus other real estate owned to assets | 1.3196% | 4,027 |
| Noncurrent loans to loans | 1.3693% | 4,264 |
| Net loans and leases to total assets | 87.6988% | 290 |
| Net loans and leases to deposits | 133.2834% | 122 |
| Net loans and leases to core deposits | 169.7764% | 350 |
| Total domestic deposits to total assets | 65.7987% | 7,745 |
| Equity capital to assets | 9.3147% | 4,920 |
| Core capital (leverage) ratio | 9.3485% | 4,175 |
| Tier 1 risk-based capital ratio | 15.0354% | 3,051 |
| Total risk-based capital ratio | 15.8892% | 3,167 |
| Memoranda: | ||
| Average total assets | $208,084,000 | 3,140 |
| Average earning assets | $193,838,000 | 3,099 |
| Average equity | $19,289,500 | 3,374 |
| Average total loans | $184,665,500 | 2,537 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4827% | 3,046 |
| Cost of funding earning assets | 3.3629% | 778 |
| Net interest margin | 3.1198% | 6,595 |
| Noninterest income to average assets | 0.0618% | 7,839 |
| Noninterest expense to average assets | 2.1747% | 7,036 |
| Loan and lease loss provision to assets | -0.0226% | 8,217 |
| Net operating income to assets | 0.5261% | 4,627 |
| Return on assets (ROA) | 0.5026% | 4,569 |
| Pretax return on assets | 0.8051% | 4,049 |
| Return on Equity (ROE) | 5.4467% | 4,178 |
| Retained earnings to average equity (ytd only) | 5.4467% | 1,785 |
| Net charge-offs to loans | -0.0825% | 8,071 |
| Credit loss provision to net charge-offs | 30.4636% | 6,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6335% | 3,818 |
| Assets per employee ($millions) | 6.9055% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5813% | 7,709 |
| Loan loss allowance to noncurrent loans | 49.7225% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 1.1561% | 3,960 |
| Noncurrent loans to loans | 1.1691% | 4,187 |
| Net loans and leases to total assets | 88.7471% | 300 |
| Net loans and leases to deposits | 138.7573% | 115 |
| Net loans and leases to core deposits | 175.2323% | 337 |
| Total domestic deposits to total assets | 63.9585% | 7,798 |
| Equity capital to assets | 9.2251% | 5,042 |
| Core capital (leverage) ratio | 9.2562% | 4,360 |
| Tier 1 risk-based capital ratio | 14.7992% | 3,148 |
| Total risk-based capital ratio | 15.6286% | 3,269 |
| Memoranda: | ||
| Average total assets | $203,938,000 | 3,088 |
| Average earning assets | $191,678,200 | 3,014 |
| Average equity | $18,818,600 | 3,426 |
| Average total loans | $183,116,200 | 2,473 |