Home > State National Bank of Texas > Performance and Condition Ratios
State National Bank of Texas, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0995% | 5,959 |
| Cost of funding earning assets | 0.1159% | 6,268 |
| Net interest margin | 2.9835% | 5,479 |
| Noninterest income to average assets | 0.6636% | 2,486 |
| Noninterest expense to average assets | 3.2547% | 2,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1908% | 5,786 |
| Return on assets (ROA) | 0.8160% | 3,383 |
| Pretax return on assets | 0.8160% | 4,202 |
| Return on Equity (ROE) | 8.9017% | 2,634 |
| Retained earnings to average equity (ytd only) | 6.3980% | 1,709 |
| Net charge-offs to loans | 0.1071% | 2,978 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.7128% | 3,581 |
| Efficiency ratio | 94.4632% | 573 |
| Assets per employee ($millions) | 3.5239% | 4,863 |
| Cash dividends to net income (ytd only)* | 28.1266% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3546% | 3,155 |
| Loan loss allowance to noncurrent loans | 193.8843% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 0.3384% | 4,701 |
| Noncurrent loans to loans | 0.6986% | 3,589 |
| Net loans and leases to total assets | 36.1804% | 5,944 |
| Net loans and leases to deposits | 39.9821% | 6,039 |
| Net loans and leases to core deposits | 41.6151% | 6,055 |
| Total domestic deposits to total assets | 90.4914% | 545 |
| Equity capital to assets | 9.0291% | 5,255 |
| Core capital (leverage) ratio | 9.1862% | 4,698 |
| Tier 1 risk-based capital ratio | 24.0431% | 952 |
| Total risk-based capital ratio | 25.2953% | 929 |
| Memoranda: | ||
| Average total assets | $232,220,000 | 2,674 |
| Average earning assets | $216,521,200 | 2,651 |
| Average equity | $21,288,000 | 3,019 |
| Average total loans | $87,804,200 | 3,678 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1664% | 5,939 |
| Cost of funding earning assets | 0.1194% | 6,339 |
| Net interest margin | 3.0470% | 5,388 |
| Noninterest income to average assets | 0.6803% | 2,421 |
| Noninterest expense to average assets | 2.8413% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6792% | 4,053 |
| Return on assets (ROA) | 0.6792% | 4,139 |
| Pretax return on assets | 0.6792% | 4,766 |
| Return on Equity (ROE) | 7.3806% | 3,508 |
| Retained earnings to average equity (ytd only) | 4.0412% | 3,776 |
| Net charge-offs to loans | 0.0636% | 3,298 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 28.0470% | 1,431 |
| Efficiency ratio | 80.7075% | 1,811 |
| Assets per employee ($millions) | 3.1816% | 5,468 |
| Cash dividends to net income (ytd only)* | 45.2462% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4045% | 3,146 |
| Loan loss allowance to noncurrent loans | 174.7504% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.3711% | 4,810 |
| Noncurrent loans to loans | 0.8037% | 3,568 |
| Net loans and leases to total assets | 37.5400% | 5,965 |
| Net loans and leases to deposits | 41.5193% | 6,071 |
| Net loans and leases to core deposits | 43.2698% | 6,072 |
| Total domestic deposits to total assets | 90.4157% | 561 |
| Equity capital to assets | 9.4180% | 4,896 |
| Core capital (leverage) ratio | 8.8503% | 5,262 |
| Tier 1 risk-based capital ratio | 18.6610% | 2,002 |
| Total risk-based capital ratio | 19.8312% | 1,991 |
| Memoranda: | ||
| Average total assets | $231,249,250 | 2,702 |
| Average earning assets | $215,548,000 | 2,674 |
| Average equity | $21,280,500 | 3,028 |
| Average total loans | $88,106,250 | 3,703 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1815% | 5,974 |
| Cost of funding earning assets | 0.1233% | 6,396 |
| Net interest margin | 3.0582% | 5,377 |
| Noninterest income to average assets | 0.6785% | 2,383 |
| Noninterest expense to average assets | 2.9176% | 3,108 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6061% | 4,330 |
| Return on assets (ROA) | 0.6061% | 4,428 |
| Pretax return on assets | 0.6061% | 4,939 |
| Return on Equity (ROE) | 6.6375% | 3,811 |
| Retained earnings to average equity (ytd only) | 3.2857% | 4,114 |
| Net charge-offs to loans | 0.0452% | 3,333 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 35.1500% | 1,150 |
| Efficiency ratio | 82.7991% | 1,655 |
| Assets per employee ($millions) | 3.1565% | 5,495 |
| Cash dividends to net income (ytd only)* | 50.4979% | 1,907 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 3,166 |
| Loan loss allowance to noncurrent loans | 182.8446% | 2,308 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 5,074 |
| Noncurrent loans to loans | 0.7849% | 3,736 |
| Net loans and leases to total assets | 35.7004% | 6,065 |
| Net loans and leases to deposits | 39.2268% | 6,179 |
| Net loans and leases to core deposits | 40.6945% | 6,200 |
| Total domestic deposits to total assets | 91.0101% | 416 |
| Equity capital to assets | 8.8453% | 5,477 |
| Core capital (leverage) ratio | 8.6844% | 5,424 |
| Tier 1 risk-based capital ratio | 18.1766% | 2,178 |
| Total risk-based capital ratio | 19.3527% | 2,173 |
| Memoranda: | ||
| Average total assets | $231,974,670 | 2,704 |
| Average earning assets | $215,812,670 | 2,679 |
| Average equity | $21,182,670 | 3,037 |
| Average total loans | $88,402,000 | 3,707 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2514% | 5,932 |
| Cost of funding earning assets | 0.1284% | 6,455 |
| Net interest margin | 3.1230% | 5,162 |
| Noninterest income to average assets | 0.6789% | 2,293 |
| Noninterest expense to average assets | 2.9647% | 3,003 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6157% | 4,123 |
| Return on assets (ROA) | 0.6157% | 4,197 |
| Pretax return on assets | 0.6157% | 4,779 |
| Return on Equity (ROE) | 6.6337% | 3,666 |
| Retained earnings to average equity (ytd only) | 6.6337% | 2,217 |
| Net charge-offs to loans | 0.0404% | 2,821 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 39.0000% | 893 |
| Efficiency ratio | 82.8025% | 1,824 |
| Assets per employee ($millions) | 3.1068% | 5,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4315% | 3,456 |
| Loan loss allowance to noncurrent loans | 170.6920% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 0.3163% | 5,201 |
| Noncurrent loans to loans | 0.8386% | 3,789 |
| Net loans and leases to total assets | 37.1755% | 6,008 |
| Net loans and leases to deposits | 40.9936% | 6,134 |
| Net loans and leases to core deposits | 42.5793% | 6,140 |
| Total domestic deposits to total assets | 90.6862% | 692 |
| Equity capital to assets | 9.2031% | 4,872 |
| Core capital (leverage) ratio | 8.9035% | 5,136 |
| Tier 1 risk-based capital ratio | 18.1885% | 2,212 |
| Total risk-based capital ratio | 19.3751% | 2,216 |
| Memoranda: | ||
| Average total assets | $228,016,500 | 2,757 |
| Average earning assets | $211,848,000 | 2,730 |
| Average equity | $21,164,500 | 3,029 |
| Average total loans | $89,158,500 | 3,716 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3774% | 5,882 |
| Cost of funding earning assets | 0.1441% | 6,562 |
| Net interest margin | 3.2332% | 4,884 |
| Noninterest income to average assets | 0.7179% | 2,445 |
| Noninterest expense to average assets | 2.9069% | 3,354 |
| Loan and lease loss provision to assets | -0.0366% | 6,346 |
| Net operating income to assets | 0.8432% | 3,074 |
| Return on assets (ROA) | 0.8432% | 3,151 |
| Pretax return on assets | 0.8432% | 3,985 |
| Return on Equity (ROE) | 8.9601% | 2,548 |
| Retained earnings to average equity (ytd only) | 5.2672% | 2,437 |
| Net charge-offs to loans | 0.0673% | 4,272 |
| Credit loss provision to net charge-offs | -126.9841% | 5,920 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 1,249 |
| Efficiency ratio | 78.2785% | 2,424 |
| Assets per employee ($millions) | 3.1412% | 5,601 |
| Cash dividends to net income (ytd only)* | 41.2148% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4010% | 3,651 |
| Loan loss allowance to noncurrent loans | 93.9214% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.6049% | 4,423 |
| Noncurrent loans to loans | 1.4916% | 2,655 |
| Net loans and leases to total assets | 39.9821% | 5,965 |
| Net loans and leases to deposits | 44.1775% | 6,115 |
| Net loans and leases to core deposits | 45.9687% | 6,138 |
| Total domestic deposits to total assets | 90.5033% | 814 |
| Equity capital to assets | 9.3644% | 4,596 |
| Core capital (leverage) ratio | 9.0167% | 4,972 |
| Tier 1 risk-based capital ratio | 18.0591% | 2,230 |
| Total risk-based capital ratio | 19.2659% | 2,214 |
| Memoranda: | ||
| Average total assets | $218,688,200 | 2,822 |
| Average earning assets | $202,614,000 | 2,802 |
| Average equity | $20,580,200 | 3,095 |
| Average total loans | $93,595,600 | 3,609 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4051% | 5,868 |
| Cost of funding earning assets | 0.1468% | 6,650 |
| Net interest margin | 3.2583% | 4,800 |
| Noninterest income to average assets | 0.7126% | 2,542 |
| Noninterest expense to average assets | 2.9643% | 3,097 |
| Loan and lease loss provision to assets | 0.0429% | 4,153 |
| Net operating income to assets | 0.7236% | 3,735 |
| Return on assets (ROA) | 0.7236% | 3,862 |
| Pretax return on assets | 0.7236% | 4,595 |
| Return on Equity (ROE) | 7.6796% | 3,294 |
| Retained earnings to average equity (ytd only) | 4.1292% | 3,741 |
| Net charge-offs to loans | 0.0777% | 3,835 |
| Credit loss provision to net charge-offs | 127.2727% | 1,850 |
| Earnings coverage of net charge-offs (x) | 22.7459% | 1,481 |
| Efficiency ratio | 79.4548% | 2,189 |
| Assets per employee ($millions) | 3.1235% | 5,632 |
| Cash dividends to net income (ytd only)* | 46.2318% | 2,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6159% | 2,935 |
| Loan loss allowance to noncurrent loans | 284.4311% | 1,434 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 5,756 |
| Noncurrent loans to loans | 0.5681% | 4,786 |
| Net loans and leases to total assets | 39.6827% | 6,049 |
| Net loans and leases to deposits | 43.8997% | 6,204 |
| Net loans and leases to core deposits | 45.7239% | 6,227 |
| Total domestic deposits to total assets | 90.3939% | 791 |
| Equity capital to assets | 9.3079% | 4,794 |
| Core capital (leverage) ratio | 9.0530% | 5,044 |
| Tier 1 risk-based capital ratio | 18.6705% | 2,088 |
| Total risk-based capital ratio | 19.9230% | 2,059 |
| Memoranda: | ||
| Average total assets | $217,604,000 | 2,861 |
| Average earning assets | $201,573,500 | 2,832 |
| Average equity | $20,504,000 | 3,139 |
| Average total loans | $94,385,250 | 3,614 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4521% | 5,788 |
| Cost of funding earning assets | 0.1523% | 6,696 |
| Net interest margin | 3.2998% | 4,581 |
| Noninterest income to average assets | 0.7024% | 2,624 |
| Noninterest expense to average assets | 2.9071% | 3,303 |
| Loan and lease loss provision to assets | 0.0552% | 3,899 |
| Net operating income to assets | 0.7917% | 3,340 |
| Return on assets (ROA) | 0.7917% | 3,499 |
| Pretax return on assets | 0.7917% | 4,343 |
| Return on Equity (ROE) | 8.3678% | 2,909 |
| Retained earnings to average equity (ytd only) | 4.7774% | 3,200 |
| Net charge-offs to loans | 0.0933% | 3,430 |
| Credit loss provision to net charge-offs | 133.3333% | 1,700 |
| Earnings coverage of net charge-offs (x) | 20.4444% | 1,464 |
| Efficiency ratio | 77.4399% | 2,553 |
| Assets per employee ($millions) | 2.8635% | 6,078 |
| Cash dividends to net income (ytd only)* | 42.9070% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5501% | 3,363 |
| Loan loss allowance to noncurrent loans | 274.0385% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.3595% | 5,414 |
| Noncurrent loans to loans | 0.5656% | 4,846 |
| Net loans and leases to total assets | 42.1416% | 5,890 |
| Net loans and leases to deposits | 46.6482% | 6,067 |
| Net loans and leases to core deposits | 48.6228% | 6,101 |
| Total domestic deposits to total assets | 90.3392% | 835 |
| Equity capital to assets | 9.4173% | 4,693 |
| Core capital (leverage) ratio | 9.0611% | 4,894 |
| Tier 1 risk-based capital ratio | 18.0705% | 2,296 |
| Total risk-based capital ratio | 19.3225% | 2,253 |
| Memoranda: | ||
| Average total assets | $217,258,000 | 2,878 |
| Average earning assets | $200,924,000 | 2,860 |
| Average equity | $20,555,000 | 3,149 |
| Average total loans | $96,451,000 | 3,576 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4921% | 5,726 |
| Cost of funding earning assets | 0.1567% | 6,777 |
| Net interest margin | 3.3354% | 4,377 |
| Noninterest income to average assets | 0.6572% | 2,834 |
| Noninterest expense to average assets | 2.8686% | 3,465 |
| Loan and lease loss provision to assets | 0.0549% | 3,715 |
| Net operating income to assets | 0.8128% | 3,086 |
| Return on assets (ROA) | 0.8128% | 3,223 |
| Pretax return on assets | 0.8128% | 4,124 |
| Return on Equity (ROE) | 8.5714% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.5714% | 1,528 |
| Net charge-offs to loans | 0.0851% | 2,991 |
| Credit loss provision to net charge-offs | 142.8571% | 1,413 |
| Earnings coverage of net charge-offs (x) | 22.5714% | 1,133 |
| Efficiency ratio | 76.7761% | 2,797 |
| Assets per employee ($millions) | 3.2420% | 5,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 3,927 |
| Loan loss allowance to noncurrent loans | 269.7719% | 1,455 |
| Noncurrent assets plus other real estate owned to assets | 0.3678% | 5,486 |
| Noncurrent loans to loans | 0.5454% | 5,078 |
| Net loans and leases to total assets | 43.7506% | 5,691 |
| Net loans and leases to deposits | 48.4813% | 5,890 |
| Net loans and leases to core deposits | 50.7666% | 5,911 |
| Total domestic deposits to total assets | 90.2423% | 911 |
| Equity capital to assets | 9.5906% | 4,720 |
| Core capital (leverage) ratio | 8.8924% | 5,068 |
| Tier 1 risk-based capital ratio | 17.5799% | 2,530 |
| Total risk-based capital ratio | 18.8308% | 2,497 |
| Memoranda: | ||
| Average total assets | $218,505,000 | 2,888 |
| Average earning assets | $201,714,000 | 2,879 |
| Average equity | $20,720,000 | 3,174 |
| Average total loans | $98,711,500 | 3,542 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8944% | 5,585 |
| Cost of funding earning assets | 0.1805% | 6,872 |
| Net interest margin | 3.7139% | 3,588 |
| Noninterest income to average assets | 0.7288% | 2,591 |
| Noninterest expense to average assets | 2.9866% | 3,326 |
| Loan and lease loss provision to assets | 0.1114% | 4,237 |
| Net operating income to assets | 1.0744% | 2,040 |
| Return on assets (ROA) | 1.0744% | 2,226 |
| Pretax return on assets | 1.0744% | 3,258 |
| Return on Equity (ROE) | 11.1416% | 1,759 |
| Retained earnings to average equity (ytd only) | 4.8431% | 2,816 |
| Net charge-offs to loans | 0.0302% | 5,482 |
| Credit loss provision to net charge-offs | 783.3333% | 315 |
| Earnings coverage of net charge-offs (x) | 83.3667% | 462 |
| Efficiency ratio | 71.5795% | 3,507 |
| Assets per employee ($millions) | 2.9702% | 6,062 |
| Cash dividends to net income (ytd only)* | 56.5313% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3964% | 4,188 |
| Loan loss allowance to noncurrent loans | 172.3716% | 2,099 |
| Noncurrent assets plus other real estate owned to assets | 0.3813% | 5,542 |
| Noncurrent loans to loans | 0.8101% | 4,564 |
| Net loans and leases to total assets | 45.2973% | 5,693 |
| Net loans and leases to deposits | 50.0822% | 5,949 |
| Net loans and leases to core deposits | 52.4541% | 5,983 |
| Total domestic deposits to total assets | 90.4457% | 729 |
| Equity capital to assets | 9.3759% | 5,031 |
| Core capital (leverage) ratio | 8.9171% | 5,019 |
| Tier 1 risk-based capital ratio | 16.5036% | 2,891 |
| Total risk-based capital ratio | 17.7543% | 2,864 |
| Memoranda: | ||
| Average total assets | $210,906,800 | 2,912 |
| Average earning assets | $195,561,800 | 2,891 |
| Average equity | $20,338,200 | 3,160 |
| Average total loans | $99,289,600 | 3,540 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9549% | 5,645 |
| Cost of funding earning assets | 0.1873% | 6,971 |
| Net interest margin | 3.7677% | 3,477 |
| Noninterest income to average assets | 0.7386% | 2,535 |
| Noninterest expense to average assets | 3.2105% | 2,534 |
| Loan and lease loss provision to assets | 0.0863% | 4,525 |
| Net operating income to assets | 0.9513% | 2,742 |
| Return on assets (ROA) | 0.9513% | 2,968 |
| Pretax return on assets | 0.9513% | 3,912 |
| Return on Equity (ROE) | 9.7938% | 2,448 |
| Retained earnings to average equity (ytd only) | 6.0710% | 2,657 |
| Net charge-offs to loans | 0.0324% | 5,191 |
| Credit loss provision to net charge-offs | 562.5000% | 465 |
| Earnings coverage of net charge-offs (x) | 67.6650% | 601 |
| Efficiency ratio | 75.5753% | 2,739 |
| Assets per employee ($millions) | 2.7116% | 6,475 |
| Cash dividends to net income (ytd only)* | 38.0123% | 2,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3268% | 4,691 |
| Loan loss allowance to noncurrent loans | 210.2236% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.3094% | 5,922 |
| Noncurrent loans to loans | 0.6311% | 5,179 |
| Net loans and leases to total assets | 46.8741% | 5,671 |
| Net loans and leases to deposits | 52.3059% | 5,955 |
| Net loans and leases to core deposits | 55.0447% | 5,963 |
| Total domestic deposits to total assets | 89.6155% | 1,065 |
| Equity capital to assets | 9.9727% | 4,531 |
| Core capital (leverage) ratio | 9.0265% | 5,024 |
| Tier 1 risk-based capital ratio | 16.9803% | 2,738 |
| Total risk-based capital ratio | 18.2281% | 2,704 |
| Memoranda: | ||
| Average total assets | $208,684,250 | 2,972 |
| Average earning assets | $194,384,750 | 2,936 |
| Average equity | $20,270,750 | 3,204 |
| Average total loans | $98,869,000 | 3,591 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0207% | 5,588 |
| Cost of funding earning assets | 0.1954% | 7,039 |
| Net interest margin | 3.8253% | 3,241 |
| Noninterest income to average assets | 0.7160% | 2,574 |
| Noninterest expense to average assets | 3.1872% | 2,636 |
| Loan and lease loss provision to assets | 0.0863% | 4,508 |
| Net operating income to assets | 1.0074% | 2,432 |
| Return on assets (ROA) | 1.0074% | 2,646 |
| Pretax return on assets | 1.0074% | 3,675 |
| Return on Equity (ROE) | 10.4645% | 2,190 |
| Retained earnings to average equity (ytd only) | 6.4022% | 2,440 |
| Net charge-offs to loans | 0.0020% | 5,488 |
| Credit loss provision to net charge-offs | 9,000.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 1,141.0000% | 25 |
| Efficiency ratio | 74.4514% | 3,001 |
| Assets per employee ($millions) | 2.7660% | 6,453 |
| Cash dividends to net income (ytd only)* | 38.8202% | 2,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3322% | 4,732 |
| Loan loss allowance to noncurrent loans | 247.4383% | 1,406 |
| Noncurrent assets plus other real estate owned to assets | 0.2507% | 6,144 |
| Noncurrent loans to loans | 0.5384% | 5,442 |
| Net loans and leases to total assets | 45.9420% | 5,829 |
| Net loans and leases to deposits | 51.0487% | 6,102 |
| Net loans and leases to core deposits | 53.6873% | 6,116 |
| Total domestic deposits to total assets | 89.9963% | 926 |
| Equity capital to assets | 9.6892% | 4,773 |
| Core capital (leverage) ratio | 8.9361% | 5,003 |
| Tier 1 risk-based capital ratio | 17.1005% | 2,625 |
| Total risk-based capital ratio | 18.3559% | 2,585 |
| Memoranda: | ||
| Average total assets | $208,648,670 | 2,985 |
| Average earning assets | $194,441,670 | 2,945 |
| Average equity | $20,087,000 | 3,209 |
| Average total loans | $98,763,670 | 3,602 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0965% | 5,469 |
| Cost of funding earning assets | 0.2046% | 7,097 |
| Net interest margin | 3.8919% | 2,960 |
| Noninterest income to average assets | 0.6697% | 2,816 |
| Noninterest expense to average assets | 3.1001% | 2,915 |
| Loan and lease loss provision to assets | 0.0866% | 4,297 |
| Net operating income to assets | 1.1065% | 2,056 |
| Return on assets (ROA) | 1.1065% | 2,242 |
| Pretax return on assets | 1.1065% | 3,298 |
| Return on Equity (ROE) | 11.5308% | 1,828 |
| Retained earnings to average equity (ytd only) | 11.5308% | 915 |
| Net charge-offs to loans | 0.0040% | 4,696 |
| Credit loss provision to net charge-offs | 4,500.0000% | 56 |
| Earnings coverage of net charge-offs (x) | 620.0000% | 36 |
| Efficiency ratio | 72.2098% | 3,400 |
| Assets per employee ($millions) | 2.7818% | 6,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2520% | 5,233 |
| Loan loss allowance to noncurrent loans | 307.8240% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.2181% | 6,343 |
| Noncurrent loans to loans | 0.4067% | 5,859 |
| Net loans and leases to total assets | 47.5970% | 5,610 |
| Net loans and leases to deposits | 52.8455% | 5,909 |
| Net loans and leases to core deposits | 55.4685% | 5,950 |
| Total domestic deposits to total assets | 90.0682% | 1,050 |
| Equity capital to assets | 9.6869% | 4,541 |
| Core capital (leverage) ratio | 8.9656% | 4,891 |
| Tier 1 risk-based capital ratio | 16.3913% | 2,969 |
| Total risk-based capital ratio | 17.5592% | 2,971 |
| Memoranda: | ||
| Average total assets | $207,866,500 | 3,016 |
| Average earning assets | $193,532,500 | 2,978 |
| Average equity | $19,946,500 | 3,230 |
| Average total loans | $99,205,500 | 3,618 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3288% | 5,665 |
| Cost of funding earning assets | 0.3454% | 7,023 |
| Net interest margin | 3.9834% | 2,970 |
| Noninterest income to average assets | 0.7565% | 2,303 |
| Noninterest expense to average assets | 3.2845% | 2,574 |
| Loan and lease loss provision to assets | 0.1567% | 4,674 |
| Net operating income to assets | 1.0222% | 2,116 |
| Return on assets (ROA) | 1.0222% | 2,264 |
| Pretax return on assets | 1.0222% | 3,156 |
| Return on Equity (ROE) | 10.6341% | 1,827 |
| Retained earnings to average equity (ytd only) | 5.0636% | 2,592 |
| Net charge-offs to loans | 0.0589% | 5,719 |
| Credit loss provision to net charge-offs | 547.3684% | 418 |
| Earnings coverage of net charge-offs (x) | 41.1754% | 656 |
| Efficiency ratio | 73.5877% | 3,292 |
| Assets per employee ($millions) | 2.8370% | 6,397 |
| Cash dividends to net income (ytd only)* | 52.3833% | 1,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2417% | 5,221 |
| Loan loss allowance to noncurrent loans | 349.1379% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 6,407 |
| Noncurrent loans to loans | 0.3557% | 6,007 |
| Net loans and leases to total assets | 46.6606% | 5,948 |
| Net loans and leases to deposits | 51.7917% | 6,230 |
| Net loans and leases to core deposits | 54.3777% | 6,273 |
| Total domestic deposits to total assets | 90.0927% | 942 |
| Equity capital to assets | 9.5041% | 4,886 |
| Core capital (leverage) ratio | 8.6154% | 5,369 |
| Tier 1 risk-based capital ratio | 15.7556% | 3,184 |
| Total risk-based capital ratio | 16.8756% | 3,207 |
| Memoranda: | ||
| Average total assets | $199,085,200 | 3,069 |
| Average earning assets | $185,269,000 | 3,027 |
| Average equity | $19,136,600 | 3,259 |
| Average total loans | $96,708,800 | 3,709 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3879% | 5,650 |
| Cost of funding earning assets | 0.3779% | 7,068 |
| Net interest margin | 4.0100% | 2,873 |
| Noninterest income to average assets | 0.7658% | 2,222 |
| Noninterest expense to average assets | 3.5362% | 1,839 |
| Loan and lease loss provision to assets | 0.0812% | 5,427 |
| Net operating income to assets | 0.8815% | 2,817 |
| Return on assets (ROA) | 0.8815% | 2,965 |
| Pretax return on assets | 0.8815% | 3,839 |
| Return on Equity (ROE) | 9.1436% | 2,533 |
| Retained earnings to average equity (ytd only) | 5.4034% | 2,908 |
| Net charge-offs to loans | 0.0678% | 5,284 |
| Credit loss provision to net charge-offs | 244.8980% | 1,171 |
| Earnings coverage of net charge-offs (x) | 29.0416% | 951 |
| Efficiency ratio | 78.6015% | 2,460 |
| Assets per employee ($millions) | 2.6805% | 6,676 |
| Cash dividends to net income (ytd only)* | 40.9057% | 1,999 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 6,030 |
| Loan loss allowance to noncurrent loans | 359.2334% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1831% | 6,594 |
| Noncurrent loans to loans | 0.2939% | 6,259 |
| Net loans and leases to total assets | 46.8107% | 6,069 |
| Net loans and leases to deposits | 52.0280% | 6,362 |
| Net loans and leases to core deposits | 54.7949% | 6,402 |
| Total domestic deposits to total assets | 89.9721% | 881 |
| Equity capital to assets | 9.5545% | 5,002 |
| Core capital (leverage) ratio | 8.7209% | 5,373 |
| Tier 1 risk-based capital ratio | 15.9687% | 3,135 |
| Total risk-based capital ratio | 16.9508% | 3,239 |
| Memoranda: | ||
| Average total assets | $197,081,500 | 3,108 |
| Average earning assets | $183,471,750 | 3,059 |
| Average equity | $19,000,000 | 3,289 |
| Average total loans | $96,423,750 | 3,740 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 5,505 |
| Cost of funding earning assets | 0.4060% | 7,112 |
| Net interest margin | 4.0500% | 2,612 |
| Noninterest income to average assets | 0.7496% | 2,263 |
| Noninterest expense to average assets | 3.6303% | 1,674 |
| Loan and lease loss provision to assets | 0.0928% | 5,167 |
| Net operating income to assets | 0.7908% | 3,115 |
| Return on assets (ROA) | 0.7908% | 3,238 |
| Pretax return on assets | 0.7908% | 4,066 |
| Return on Equity (ROE) | 8.1770% | 2,863 |
| Retained earnings to average equity (ytd only) | 4.3923% | 3,396 |
| Net charge-offs to loans | 0.0812% | 4,829 |
| Credit loss provision to net charge-offs | 230.7692% | 1,303 |
| Earnings coverage of net charge-offs (x) | 21.9744% | 1,133 |
| Efficiency ratio | 80.4249% | 2,320 |
| Assets per employee ($millions) | 2.5731% | 6,832 |
| Cash dividends to net income (ytd only)* | 46.2842% | 1,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0393% | 6,187 |
| Loan loss allowance to noncurrent loans | 291.3545% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 6,670 |
| Noncurrent loans to loans | 0.3567% | 6,201 |
| Net loans and leases to total assets | 47.3549% | 6,115 |
| Net loans and leases to deposits | 52.4794% | 6,429 |
| Net loans and leases to core deposits | 55.3809% | 6,464 |
| Total domestic deposits to total assets | 90.2350% | 846 |
| Equity capital to assets | 9.3876% | 5,001 |
| Core capital (leverage) ratio | 8.7219% | 5,188 |
| Tier 1 risk-based capital ratio | 15.6973% | 3,130 |
| Total risk-based capital ratio | 16.6647% | 3,229 |
| Memoranda: | ||
| Average total assets | $193,977,000 | 3,171 |
| Average earning assets | $180,296,330 | 3,132 |
| Average equity | $18,760,000 | 3,292 |
| Average total loans | $96,016,330 | 3,797 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5856% | 5,010 |
| Cost of funding earning assets | 0.4396% | 7,136 |
| Net interest margin | 4.1459% | 2,093 |
| Noninterest income to average assets | 0.6972% | 2,595 |
| Noninterest expense to average assets | 3.6910% | 1,553 |
| Loan and lease loss provision to assets | 0.1268% | 4,412 |
| Net operating income to assets | 0.7247% | 3,405 |
| Return on assets (ROA) | 0.7247% | 3,465 |
| Pretax return on assets | 0.7247% | 4,199 |
| Return on Equity (ROE) | 7.3769% | 3,209 |
| Retained earnings to average equity (ytd only) | 7.3769% | 1,994 |
| Net charge-offs to loans | 0.0210% | 4,784 |
| Credit loss provision to net charge-offs | 1,200.0000% | 329 |
| Earnings coverage of net charge-offs (x) | 80.6000% | 384 |
| Efficiency ratio | 81.2558% | 2,337 |
| Assets per employee ($millions) | 2.5377% | 6,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0549% | 6,207 |
| Loan loss allowance to noncurrent loans | 307.5758% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1711% | 6,730 |
| Noncurrent loans to loans | 0.3430% | 6,309 |
| Net loans and leases to total assets | 49.3630% | 5,925 |
| Net loans and leases to deposits | 54.8464% | 6,224 |
| Net loans and leases to core deposits | 58.0541% | 6,248 |
| Total domestic deposits to total assets | 90.0023% | 1,148 |
| Equity capital to assets | 9.7078% | 4,163 |
| Core capital (leverage) ratio | 9.1092% | 4,434 |
| Tier 1 risk-based capital ratio | 15.9189% | 2,941 |
| Total risk-based capital ratio | 16.9075% | 3,033 |
| Memoranda: | ||
| Average total assets | $189,326,500 | 3,253 |
| Average earning assets | $175,594,500 | 3,214 |
| Average equity | $18,598,500 | 3,308 |
| Average total loans | $95,388,000 | 3,847 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9749% | 4,675 |
| Cost of funding earning assets | 0.6503% | 7,002 |
| Net interest margin | 4.3246% | 1,734 |
| Noninterest income to average assets | 0.7643% | 2,462 |
| Noninterest expense to average assets | 3.5214% | 2,117 |
| Loan and lease loss provision to assets | 0.0708% | 6,433 |
| Net operating income to assets | 1.1611% | 1,505 |
| Return on assets (ROA) | 1.1606% | 1,593 |
| Pretax return on assets | 1.1606% | 2,364 |
| Return on Equity (ROE) | 11.5291% | 1,440 |
| Retained earnings to average equity (ytd only) | 4.7100% | 2,604 |
| Net charge-offs to loans | 0.1290% | 5,608 |
| Credit loss provision to net charge-offs | 114.0351% | 3,810 |
| Earnings coverage of net charge-offs (x) | 19.8509% | 1,043 |
| Efficiency ratio | 74.0838% | 3,383 |
| Assets per employee ($millions) | 2.4128% | 7,123 |
| Cash dividends to net income (ytd only)* | 59.1463% | 1,664 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0153% | 6,311 |
| Loan loss allowance to noncurrent loans | 274.2857% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 6,582 |
| Noncurrent loans to loans | 0.3701% | 6,315 |
| Net loans and leases to total assets | 50.3784% | 6,131 |
| Net loans and leases to deposits | 56.1073% | 6,438 |
| Net loans and leases to core deposits | 59.3716% | 6,446 |
| Total domestic deposits to total assets | 89.7894% | 1,214 |
| Equity capital to assets | 9.9436% | 3,817 |
| Core capital (leverage) ratio | 9.0105% | 4,531 |
| Tier 1 risk-based capital ratio | 15.6728% | 2,907 |
| Total risk-based capital ratio | 16.6151% | 3,023 |
| Memoranda: | ||
| Average total assets | $183,704,600 | 3,317 |
| Average earning assets | $169,451,000 | 3,292 |
| Average equity | $18,492,400 | 3,357 |
| Average total loans | $88,374,400 | 4,096 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 4,946 |
| Cost of funding earning assets | 0.6910% | 7,089 |
| Net interest margin | 4.2795% | 1,915 |
| Noninterest income to average assets | 0.7504% | 2,499 |
| Noninterest expense to average assets | 3.6422% | 1,690 |
| Loan and lease loss provision to assets | 0.0509% | 6,570 |
| Net operating income to assets | 1.0059% | 2,215 |
| Return on assets (ROA) | 1.0059% | 2,332 |
| Pretax return on assets | 1.0059% | 3,159 |
| Return on Equity (ROE) | 9.9617% | 2,135 |
| Retained earnings to average equity (ytd only) | 4.2024% | 3,531 |
| Net charge-offs to loans | 0.1689% | 4,954 |
| Credit loss provision to net charge-offs | 63.6364% | 5,599 |
| Earnings coverage of net charge-offs (x) | 13.2003% | 1,607 |
| Efficiency ratio | 77.5093% | 2,693 |
| Assets per employee ($millions) | 2.5048% | 7,079 |
| Cash dividends to net income (ytd only)* | 57.8150% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 6,419 |
| Loan loss allowance to noncurrent loans | 343.7262% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.2293% | 6,791 |
| Noncurrent loans to loans | 0.2890% | 6,611 |
| Net loans and leases to total assets | 48.6046% | 6,468 |
| Net loans and leases to deposits | 54.3482% | 6,743 |
| Net loans and leases to core deposits | 57.4032% | 6,771 |
| Total domestic deposits to total assets | 89.4317% | 1,156 |
| Equity capital to assets | 10.1081% | 4,005 |
| Core capital (leverage) ratio | 9.1078% | 4,519 |
| Tier 1 risk-based capital ratio | 16.0885% | 2,721 |
| Total risk-based capital ratio | 17.0185% | 2,831 |
| Memoranda: | ||
| Average total assets | $183,183,750 | 3,376 |
| Average earning assets | $169,018,750 | 3,343 |
| Average equity | $18,497,000 | 3,395 |
| Average total loans | $86,828,750 | 4,202 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0360% | 4,764 |
| Cost of funding earning assets | 0.7425% | 7,084 |
| Net interest margin | 4.2934% | 1,803 |
| Noninterest income to average assets | 0.7289% | 2,528 |
| Noninterest expense to average assets | 3.6216% | 1,726 |
| Loan and lease loss provision to assets | 0.0438% | 6,535 |
| Net operating income to assets | 1.0183% | 2,125 |
| Return on assets (ROA) | 1.0183% | 2,196 |
| Pretax return on assets | 1.0183% | 3,049 |
| Return on Equity (ROE) | 10.0883% | 2,080 |
| Retained earnings to average equity (ytd only) | 4.3003% | 3,344 |
| Net charge-offs to loans | 0.1311% | 4,897 |
| Credit loss provision to net charge-offs | 71.4286% | 4,927 |
| Earnings coverage of net charge-offs (x) | 17.3036% | 1,354 |
| Efficiency ratio | 77.3227% | 2,844 |
| Assets per employee ($millions) | 2.4229% | 7,204 |
| Cash dividends to net income (ytd only)* | 57.3735% | 1,410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0741% | 6,065 |
| Loan loss allowance to noncurrent loans | 282.9268% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.3060% | 6,640 |
| Noncurrent loans to loans | 0.3797% | 6,477 |
| Net loans and leases to total assets | 47.0333% | 6,704 |
| Net loans and leases to deposits | 52.5634% | 6,943 |
| Net loans and leases to core deposits | 55.7569% | 6,956 |
| Total domestic deposits to total assets | 89.4792% | 1,194 |
| Equity capital to assets | 10.1560% | 3,828 |
| Core capital (leverage) ratio | 9.0758% | 4,486 |
| Tier 1 risk-based capital ratio | 16.8899% | 2,328 |
| Total risk-based capital ratio | 17.9018% | 2,369 |
| Memoranda: | ||
| Average total assets | $182,459,330 | 3,408 |
| Average earning assets | $168,070,330 | 3,372 |
| Average equity | $18,417,330 | 3,389 |
| Average total loans | $85,439,670 | 4,272 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0625% | 4,724 |
| Cost of funding earning assets | 0.7761% | 7,162 |
| Net interest margin | 4.2864% | 1,726 |
| Noninterest income to average assets | 0.6979% | 2,615 |
| Noninterest expense to average assets | 3.5946% | 1,747 |
| Loan and lease loss provision to assets | 0.0394% | 6,285 |
| Net operating income to assets | 1.0151% | 2,129 |
| Return on assets (ROA) | 1.0151% | 2,192 |
| Pretax return on assets | 1.0151% | 3,033 |
| Return on Equity (ROE) | 10.0878% | 2,070 |
| Retained earnings to average equity (ytd only) | 10.0878% | 1,120 |
| Net charge-offs to loans | 0.1177% | 4,270 |
| Credit loss provision to net charge-offs | 72.0000% | 4,058 |
| Earnings coverage of net charge-offs (x) | 19.2800% | 1,207 |
| Efficiency ratio | 77.3176% | 3,013 |
| Assets per employee ($millions) | 2.4538% | 7,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 6,012 |
| Loan loss allowance to noncurrent loans | 224.1627% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 6,722 |
| Noncurrent loans to loans | 0.4898% | 6,317 |
| Net loans and leases to total assets | 46.4859% | 6,797 |
| Net loans and leases to deposits | 51.9792% | 7,043 |
| Net loans and leases to core deposits | 54.9652% | 7,050 |
| Total domestic deposits to total assets | 89.4318% | 1,279 |
| Equity capital to assets | 10.2973% | 3,476 |
| Core capital (leverage) ratio | 9.0312% | 4,507 |
| Tier 1 risk-based capital ratio | 16.8754% | 2,314 |
| Total risk-based capital ratio | 17.8915% | 2,353 |
| Memoranda: | ||
| Average total assets | $182,831,000 | 3,460 |
| Average earning assets | $168,532,000 | 3,422 |
| Average equity | $18,398,500 | 3,419 |
| Average total loans | $84,962,000 | 4,352 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3713% | 4,834 |
| Cost of funding earning assets | 1.0951% | 6,994 |
| Net interest margin | 4.2762% | 1,797 |
| Noninterest income to average assets | 0.6821% | 3,073 |
| Noninterest expense to average assets | 3.3521% | 2,826 |
| Loan and lease loss provision to assets | 0.0137% | 7,355 |
| Net operating income to assets | 1.2785% | 1,077 |
| Return on assets (ROA) | 1.2785% | 1,133 |
| Pretax return on assets | 1.2785% | 1,754 |
| Return on Equity (ROE) | 13.2231% | 911 |
| Retained earnings to average equity (ytd only) | 7.1002% | 932 |
| Net charge-offs to loans | 0.1000% | 6,134 |
| Credit loss provision to net charge-offs | 31.6456% | 6,887 |
| Earnings coverage of net charge-offs (x) | 29.9494% | 765 |
| Efficiency ratio | 72.1778% | 4,237 |
| Assets per employee ($millions) | 2.4876% | 7,224 |
| Cash dividends to net income (ytd only)* | 46.3050% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1161% | 5,829 |
| Loan loss allowance to noncurrent loans | 309.5082% | 1,013 |
| Noncurrent assets plus other real estate owned to assets | 0.2369% | 6,878 |
| Noncurrent loans to loans | 0.3606% | 6,555 |
| Net loans and leases to total assets | 45.4330% | 7,025 |
| Net loans and leases to deposits | 50.5180% | 7,232 |
| Net loans and leases to core deposits | 60.2839% | 7,255 |
| Total domestic deposits to total assets | 89.9343% | 994 |
| Equity capital to assets | 9.8321% | 3,966 |
| Core capital (leverage) ratio | 8.7818% | 4,794 |
| Tier 1 risk-based capital ratio | 16.0820% | 2,482 |
| Total risk-based capital ratio | 17.0852% | 2,527 |
| Memoranda: | ||
| Average total assets | $183,107,600 | 3,386 |
| Average earning assets | $169,661,600 | 3,352 |
| Average equity | $17,703,800 | 3,550 |
| Average total loans | $78,961,200 | 4,554 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4586% | 4,641 |
| Cost of funding earning assets | 1.1409% | 7,062 |
| Net interest margin | 4.3177% | 1,685 |
| Noninterest income to average assets | 0.6664% | 3,244 |
| Noninterest expense to average assets | 3.5144% | 2,245 |
| Loan and lease loss provision to assets | 0.0073% | 7,247 |
| Net operating income to assets | 1.1513% | 1,584 |
| Return on assets (ROA) | 1.1513% | 1,650 |
| Pretax return on assets | 1.1513% | 2,410 |
| Return on Equity (ROE) | 11.9584% | 1,363 |
| Retained earnings to average equity (ytd only) | 6.4450% | 1,740 |
| Net charge-offs to loans | 0.0860% | 5,826 |
| Credit loss provision to net charge-offs | 20.0000% | 6,573 |
| Earnings coverage of net charge-offs (x) | 31.7776% | 895 |
| Efficiency ratio | 75.2067% | 3,658 |
| Assets per employee ($millions) | 2.4928% | 7,238 |
| Cash dividends to net income (ytd only)* | 46.1050% | 2,199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 5,074 |
| Loan loss allowance to noncurrent loans | 272.1591% | 1,094 |
| Noncurrent assets plus other real estate owned to assets | 0.2947% | 6,750 |
| Noncurrent loans to loans | 0.4429% | 6,440 |
| Net loans and leases to total assets | 43.7448% | 7,262 |
| Net loans and leases to deposits | 48.8551% | 7,465 |
| Net loans and leases to core deposits | 58.6866% | 7,444 |
| Total domestic deposits to total assets | 89.5400% | 944 |
| Equity capital to assets | 10.0037% | 4,082 |
| Core capital (leverage) ratio | 8.7684% | 5,022 |
| Tier 1 risk-based capital ratio | 16.7457% | 2,347 |
| Total risk-based capital ratio | 17.8322% | 2,355 |
| Memoranda: | ||
| Average total assets | $182,864,500 | 3,418 |
| Average earning assets | $169,684,500 | 3,375 |
| Average equity | $17,605,000 | 3,592 |
| Average total loans | $77,557,250 | 4,646 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5195% | 4,515 |
| Cost of funding earning assets | 1.1908% | 7,132 |
| Net interest margin | 4.3287% | 1,579 |
| Noninterest income to average assets | 0.6468% | 3,369 |
| Noninterest expense to average assets | 3.5121% | 2,301 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1533% | 1,600 |
| Return on assets (ROA) | 1.1533% | 1,684 |
| Pretax return on assets | 1.1533% | 2,450 |
| Return on Equity (ROE) | 12.1338% | 1,372 |
| Retained earnings to average equity (ytd only) | 6.8503% | 1,640 |
| Net charge-offs to loans | 0.0884% | 5,310 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 31.2059% | 970 |
| Efficiency ratio | 75.2796% | 3,832 |
| Assets per employee ($millions) | 2.5475% | 7,153 |
| Cash dividends to net income (ytd only)* | 43.5438% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 4,720 |
| Loan loss allowance to noncurrent loans | 355.7196% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.2092% | 6,983 |
| Noncurrent loans to loans | 0.3468% | 6,647 |
| Net loans and leases to total assets | 43.2798% | 7,375 |
| Net loans and leases to deposits | 48.0989% | 7,561 |
| Net loans and leases to core deposits | 57.4705% | 7,541 |
| Total domestic deposits to total assets | 89.9808% | 842 |
| Equity capital to assets | 9.6048% | 4,482 |
| Core capital (leverage) ratio | 8.4257% | 5,573 |
| Tier 1 risk-based capital ratio | 16.6232% | 2,415 |
| Total risk-based capital ratio | 17.7259% | 2,396 |
| Memoranda: | ||
| Average total assets | $183,991,330 | 3,423 |
| Average earning assets | $170,813,670 | 3,381 |
| Average equity | $17,488,330 | 3,619 |
| Average total loans | $76,918,670 | 4,703 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5410% | 4,687 |
| Cost of funding earning assets | 1.2439% | 7,189 |
| Net interest margin | 4.2971% | 1,610 |
| Noninterest income to average assets | 0.5845% | 3,658 |
| Noninterest expense to average assets | 3.3636% | 2,459 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2076% | 1,639 |
| Return on assets (ROA) | 1.2076% | 1,750 |
| Pretax return on assets | 1.2076% | 2,610 |
| Return on Equity (ROE) | 12.7685% | 1,443 |
| Retained earnings to average equity (ytd only) | 12.7685% | 671 |
| Net charge-offs to loans | 0.0786% | 4,388 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 37.6000% | 892 |
| Efficiency ratio | 73.5831% | 3,902 |
| Assets per employee ($millions) | 2.7419% | 6,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2742% | 4,245 |
| Loan loss allowance to noncurrent loans | 385.4902% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2595% | 6,731 |
| Noncurrent loans to loans | 0.3305% | 6,603 |
| Net loans and leases to total assets | 40.2574% | 7,552 |
| Net loans and leases to deposits | 44.6885% | 7,703 |
| Net loans and leases to core deposits | 53.7381% | 7,683 |
| Total domestic deposits to total assets | 90.0846% | 760 |
| Equity capital to assets | 9.6374% | 4,470 |
| Core capital (leverage) ratio | 8.1773% | 6,147 |
| Tier 1 risk-based capital ratio | 16.1545% | 2,633 |
| Total risk-based capital ratio | 17.2484% | 2,628 |
| Memoranda: | ||
| Average total assets | $186,823,000 | 3,403 |
| Average earning assets | $173,325,000 | 3,368 |
| Average equity | $17,668,500 | 3,610 |
| Average total loans | $76,306,000 | 4,754 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9522% | 5,803 |
| Cost of funding earning assets | 1.7390% | 7,165 |
| Net interest margin | 4.2132% | 2,268 |
| Noninterest income to average assets | 0.6291% | 3,643 |
| Noninterest expense to average assets | 3.1506% | 3,511 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3472% | 1,352 |
| Return on assets (ROA) | 1.3478% | 1,311 |
| Pretax return on assets | 1.3478% | 2,138 |
| Return on Equity (ROE) | 15.1015% | 908 |
| Retained earnings to average equity (ytd only) | 4.6752% | 2,218 |
| Net charge-offs to loans | 0.0236% | 6,517 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 128.6111% | 349 |
| Efficiency ratio | 70.0479% | 4,341 |
| Assets per employee ($millions) | 2.7126% | 6,755 |
| Cash dividends to net income (ytd only)* | 69.0415% | 2,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 3,640 |
| Loan loss allowance to noncurrent loans | 386.8217% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.2684% | 6,505 |
| Noncurrent loans to loans | 0.3419% | 6,350 |
| Net loans and leases to total assets | 40.3717% | 7,653 |
| Net loans and leases to deposits | 44.6010% | 7,830 |
| Net loans and leases to core deposits | 54.1243% | 7,800 |
| Total domestic deposits to total assets | 90.5175% | 482 |
| Equity capital to assets | 9.2727% | 4,969 |
| Core capital (leverage) ratio | 8.2605% | 6,032 |
| Tier 1 risk-based capital ratio | 15.8925% | 2,710 |
| Total risk-based capital ratio | 17.0256% | 2,693 |
| Memoranda: | ||
| Average total assets | $171,841,800 | 3,523 |
| Average earning assets | $157,789,200 | 3,510 |
| Average equity | $15,336,200 | 4,064 |
| Average total loans | $76,252,800 | 4,643 |