Home > Texas Savings Bank > Performance and Condition Ratios
Texas Savings Bank, Performance and Condition Ratios
| 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 | 3.5310% | 5,319 |
| Cost of funding earning assets | 0.5574% | 2,217 |
| Net interest margin | 2.9736% | 5,553 |
| Noninterest income to average assets | -0.3887% | 6,569 |
| Noninterest expense to average assets | 4.2605% | 578 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.8562% | 6,522 |
| Return on assets (ROA) | -1.8562% | 6,521 |
| Pretax return on assets | -1.8562% | 6,513 |
| Return on Equity (ROE) | -25.1757% | 6,527 |
| Retained earnings to average equity (ytd only) | -25.1757% | 6,513 |
| Net charge-offs to loans | -0.0036% | 5,249 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 177.2032% | 30 |
| Assets per employee ($millions) | 4.1228% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8640% | 13 |
| Loan loss allowance to noncurrent loans | 97.8457% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 5.4871% | 277 |
| Noncurrent loans to loans | 9.0591% | 96 |
| Net loans and leases to total assets | 39.0144% | 5,882 |
| Net loans and leases to deposits | 41.9068% | 6,055 |
| Net loans and leases to core deposits | 44.3344% | 6,027 |
| Total domestic deposits to total assets | 93.0981% | 75 |
| Equity capital to assets | 6.6675% | 6,423 |
| Core capital (leverage) ratio | 6.5642% | 6,430 |
| Tier 1 risk-based capital ratio | 18.7958% | 1,957 |
| Total risk-based capital ratio | 20.1633% | 1,895 |
| Memoranda: | ||
| Average total assets | $76,139,500 | 5,202 |
| Average earning assets | $71,517,000 | 5,150 |
| Average equity | $5,613,750 | 5,768 |
| Average total loans | $36,965,000 | 5,346 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7410% | 4,728 |
| Cost of funding earning assets | 0.5749% | 2,120 |
| Net interest margin | 3.1661% | 5,051 |
| Noninterest income to average assets | 0.0365% | 6,476 |
| Noninterest expense to average assets | 4.0869% | 692 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.0810% | 6,537 |
| Return on assets (ROA) | -1.0810% | 6,536 |
| Pretax return on assets | -1.0810% | 6,519 |
| Return on Equity (ROE) | -14.2229% | 6,544 |
| Retained earnings to average equity (ytd only) | -14.2229% | 6,482 |
| Net charge-offs to loans | 0.1706% | 2,031 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | -12.5758% | 4,324 |
| Efficiency ratio | 135.9619% | 79 |
| Assets per employee ($millions) | 3.8766% | 4,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0799% | 20 |
| Loan loss allowance to noncurrent loans | 111.5030% | 3,395 |
| Noncurrent assets plus other real estate owned to assets | 5.4890% | 307 |
| Noncurrent loans to loans | 7.2464% | 162 |
| Net loans and leases to total assets | 42.9687% | 5,608 |
| Net loans and leases to deposits | 46.6160% | 5,848 |
| Net loans and leases to core deposits | 49.5569% | 5,821 |
| Total domestic deposits to total assets | 92.1758% | 149 |
| Equity capital to assets | 7.5934% | 6,329 |
| Core capital (leverage) ratio | 7.3856% | 6,344 |
| Tier 1 risk-based capital ratio | 19.5143% | 1,798 |
| Total risk-based capital ratio | 20.8681% | 1,747 |
| Memoranda: | ||
| Average total assets | $76,782,330 | 5,230 |
| Average earning assets | $72,012,670 | 5,179 |
| Average equity | $5,835,670 | 5,752 |
| Average total loans | $38,697,000 | 5,322 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4445% | 5,548 |
| Cost of funding earning assets | 0.6040% | 1,939 |
| Net interest margin | 2.8404% | 5,864 |
| Noninterest income to average assets | 0.8526% | 1,549 |
| Noninterest expense to average assets | 4.0385% | 723 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.5208% | 6,481 |
| Return on assets (ROA) | -0.5208% | 6,479 |
| Pretax return on assets | -0.5208% | 6,463 |
| Return on Equity (ROE) | -6.8491% | 6,511 |
| Retained earnings to average equity (ytd only) | -6.8491% | 6,232 |
| Net charge-offs to loans | -0.9601% | 6,625 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.8041% | 225 |
| Assets per employee ($millions) | 3.8751% | 4,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6587% | 21 |
| Loan loss allowance to noncurrent loans | 104.5961% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 5.9573% | 288 |
| Noncurrent loans to loans | 7.3222% | 203 |
| Net loans and leases to total assets | 45.3181% | 5,399 |
| Net loans and leases to deposits | 49.1567% | 5,656 |
| Net loans and leases to core deposits | 52.4898% | 5,588 |
| Total domestic deposits to total assets | 92.1911% | 205 |
| Equity capital to assets | 7.6205% | 6,267 |
| Core capital (leverage) ratio | 7.5020% | 6,338 |
| Tier 1 risk-based capital ratio | 18.6292% | 2,083 |
| Total risk-based capital ratio | 19.9760% | 2,010 |
| Memoranda: | ||
| Average total assets | $78,345,500 | 5,247 |
| Average earning assets | $73,509,500 | 5,196 |
| Average equity | $5,957,000 | 5,756 |
| Average total loans | $40,830,000 | 5,284 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0192% | 4,023 |
| Cost of funding earning assets | 0.8152% | 1,123 |
| Net interest margin | 3.2040% | 4,985 |
| Noninterest income to average assets | 0.4808% | 3,879 |
| Noninterest expense to average assets | 4.3395% | 605 |
| Loan and lease loss provision to assets | -1.1170% | 6,796 |
| Net operating income to assets | 0.2924% | 5,550 |
| Return on assets (ROA) | 0.2924% | 5,645 |
| Pretax return on assets | 0.2924% | 5,755 |
| Return on Equity (ROE) | 3.9635% | 5,129 |
| Retained earnings to average equity (ytd only) | 3.9635% | 3,378 |
| Net charge-offs to loans | 1.5091% | 312 |
| Credit loss provision to net charge-offs | -118.5714% | 5,907 |
| Earnings coverage of net charge-offs (x) | -0.8753% | 5,249 |
| Efficiency ratio | 123.4598% | 154 |
| Assets per employee ($millions) | 3.9595% | 3,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4527% | 33 |
| Loan loss allowance to noncurrent loans | 61.8953% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 6.7521% | 254 |
| Noncurrent loans to loans | 10.4252% | 101 |
| Net loans and leases to total assets | 51.5343% | 4,916 |
| Net loans and leases to deposits | 55.8551% | 5,314 |
| Net loans and leases to core deposits | 60.6470% | 5,168 |
| Total domestic deposits to total assets | 92.2642% | 242 |
| Equity capital to assets | 7.5868% | 6,240 |
| Core capital (leverage) ratio | 7.7679% | 6,264 |
| Tier 1 risk-based capital ratio | 16.5096% | 2,852 |
| Total risk-based capital ratio | 17.8396% | 2,773 |
| Memoranda: | ||
| Average total assets | $81,737,400 | 5,204 |
| Average earning assets | $77,403,200 | 5,107 |
| Average equity | $6,030,000 | 5,820 |
| Average total loans | $51,025,200 | 4,930 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1292% | 3,646 |
| Cost of funding earning assets | 0.8627% | 981 |
| Net interest margin | 3.2664% | 4,763 |
| Noninterest income to average assets | 0.4791% | 3,939 |
| Noninterest expense to average assets | 4.3945% | 584 |
| Loan and lease loss provision to assets | -1.4778% | 6,882 |
| Net operating income to assets | 0.6571% | 4,083 |
| Return on assets (ROA) | 0.6571% | 4,215 |
| Pretax return on assets | 0.6571% | 4,832 |
| Return on Equity (ROE) | 8.9689% | 2,650 |
| Retained earnings to average equity (ytd only) | 8.9689% | 1,064 |
| Net charge-offs to loans | 1.9769% | 195 |
| Credit loss provision to net charge-offs | -116.4541% | 5,809 |
| Earnings coverage of net charge-offs (x) | -0.6467% | 4,969 |
| Efficiency ratio | 122.9620% | 154 |
| Assets per employee ($millions) | 4.9774% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.2162% | 45 |
| Loan loss allowance to noncurrent loans | 51.2066% | 5,179 |
| Noncurrent assets plus other real estate owned to assets | 8.5935% | 195 |
| Noncurrent loans to loans | 12.1394% | 81 |
| Net loans and leases to total assets | 56.6012% | 4,232 |
| Net loans and leases to deposits | 61.8409% | 4,784 |
| Net loans and leases to core deposits | 66.9609% | 4,626 |
| Total domestic deposits to total assets | 91.5270% | 361 |
| Equity capital to assets | 8.2707% | 5,935 |
| Core capital (leverage) ratio | 7.8288% | 6,313 |
| Tier 1 risk-based capital ratio | 16.3036% | 3,032 |
| Total risk-based capital ratio | 17.6290% | 2,969 |
| Memoranda: | ||
| Average total assets | $82,374,250 | 5,235 |
| Average earning assets | $78,044,750 | 5,134 |
| Average equity | $6,035,500 | 5,884 |
| Average total loans | $52,875,250 | 4,890 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0182% | 4,035 |
| Cost of funding earning assets | 0.8731% | 1,017 |
| Net interest margin | 3.1451% | 5,141 |
| Noninterest income to average assets | 0.4685% | 4,033 |
| Noninterest expense to average assets | 4.4287% | 562 |
| Loan and lease loss provision to assets | -2.1496% | 6,935 |
| Net operating income to assets | 1.1749% | 1,656 |
| Return on assets (ROA) | 1.1749% | 1,766 |
| Pretax return on assets | 1.1749% | 2,785 |
| Return on Equity (ROE) | 16.6639% | 584 |
| Retained earnings to average equity (ytd only) | 16.6639% | 171 |
| Net charge-offs to loans | 0.1802% | 2,678 |
| Credit loss provision to net charge-offs | -1,826.0000% | 6,125 |
| Earnings coverage of net charge-offs (x) | -8.2800% | 4,853 |
| Efficiency ratio | 128.2209% | 140 |
| Assets per employee ($millions) | 4.7977% | 2,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.0813% | 26 |
| Loan loss allowance to noncurrent loans | 55.6605% | 4,976 |
| Noncurrent assets plus other real estate owned to assets | 8.9222% | 190 |
| Noncurrent loans to loans | 12.7224% | 81 |
| Net loans and leases to total assets | 56.8715% | 4,156 |
| Net loans and leases to deposits | 61.7594% | 4,767 |
| Net loans and leases to core deposits | 66.3705% | 4,655 |
| Total domestic deposits to total assets | 92.0857% | 235 |
| Equity capital to assets | 7.6850% | 6,374 |
| Core capital (leverage) ratio | 7.5650% | 6,428 |
| Tier 1 risk-based capital ratio | 14.7754% | 3,926 |
| Total risk-based capital ratio | 16.1119% | 3,831 |
| Memoranda: | ||
| Average total assets | $84,945,330 | 5,196 |
| Average earning assets | $80,633,000 | 5,101 |
| Average equity | $5,989,000 | 5,941 |
| Average total loans | $55,480,330 | 4,831 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1428% | 3,545 |
| Cost of funding earning assets | 0.8839% | 1,063 |
| Net interest margin | 3.2589% | 4,683 |
| Noninterest income to average assets | 0.4248% | 4,285 |
| Noninterest expense to average assets | 4.2383% | 671 |
| Loan and lease loss provision to assets | -1.4590% | 7,004 |
| Net operating income to assets | 0.7433% | 3,461 |
| Return on assets (ROA) | 0.7433% | 3,599 |
| Pretax return on assets | 0.7433% | 4,399 |
| Return on Equity (ROE) | 11.0095% | 1,703 |
| Retained earnings to average equity (ytd only) | 11.0095% | 873 |
| Net charge-offs to loans | 0.6660% | 917 |
| Credit loss provision to net charge-offs | -325.7732% | 5,374 |
| Earnings coverage of net charge-offs (x) | -1.5979% | 4,000 |
| Efficiency ratio | 120.3145% | 216 |
| Assets per employee ($millions) | 5.0757% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.4193% | 33 |
| Loan loss allowance to noncurrent loans | 48.8053% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 10.2762% | 177 |
| Noncurrent loans to loans | 15.2019% | 73 |
| Net loans and leases to total assets | 59.0749% | 3,591 |
| Net loans and leases to deposits | 63.5491% | 4,368 |
| Net loans and leases to core deposits | 67.9635% | 4,307 |
| Total domestic deposits to total assets | 92.9595% | 131 |
| Equity capital to assets | 6.8724% | 6,736 |
| Core capital (leverage) ratio | 6.7927% | 6,695 |
| Tier 1 risk-based capital ratio | 12.7995% | 5,371 |
| Total risk-based capital ratio | 14.1420% | 5,248 |
| Memoranda: | ||
| Average total assets | $86,637,500 | 5,181 |
| Average earning assets | $82,360,000 | 5,078 |
| Average equity | $5,849,500 | 6,018 |
| Average total loans | $58,260,500 | 4,767 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3481% | 4,030 |
| Cost of funding earning assets | 0.9981% | 1,373 |
| Net interest margin | 3.3500% | 5,073 |
| Noninterest income to average assets | 1.4094% | 783 |
| Noninterest expense to average assets | 4.1886% | 778 |
| Loan and lease loss provision to assets | 0.1734% | 3,453 |
| Net operating income to assets | 0.2362% | 5,678 |
| Return on assets (ROA) | 0.2362% | 5,875 |
| Pretax return on assets | 0.2362% | 5,939 |
| Return on Equity (ROE) | 4.3597% | 4,992 |
| Retained earnings to average equity (ytd only) | 4.3597% | 3,160 |
| Net charge-offs to loans | 0.4961% | 2,254 |
| Credit loss provision to net charge-offs | 48.0337% | 4,739 |
| Earnings coverage of net charge-offs (x) | 1.1348% | 4,892 |
| Efficiency ratio | 91.0915% | 983 |
| Assets per employee ($millions) | 4.3494% | 3,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3183% | 40 |
| Loan loss allowance to noncurrent loans | 40.8426% | 5,578 |
| Noncurrent assets plus other real estate owned to assets | 12.7328% | 116 |
| Noncurrent loans to loans | 17.9184% | 46 |
| Net loans and leases to total assets | 65.4849% | 2,611 |
| Net loans and leases to deposits | 70.2929% | 3,670 |
| Net loans and leases to core deposits | 76.4874% | 3,470 |
| Total domestic deposits to total assets | 93.1600% | 113 |
| Equity capital to assets | 6.6319% | 6,830 |
| Core capital (leverage) ratio | 6.3905% | 6,812 |
| Tier 1 risk-based capital ratio | 11.4742% | 6,122 |
| Total risk-based capital ratio | 12.8187% | 6,017 |
| Memoranda: | ||
| Average total assets | $98,625,600 | 4,870 |
| Average earning assets | $93,880,400 | 4,757 |
| Average equity | $5,344,400 | 6,193 |
| Average total loans | $71,763,600 | 4,292 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4220% | 3,955 |
| Cost of funding earning assets | 1.0355% | 1,367 |
| Net interest margin | 3.3865% | 5,079 |
| Noninterest income to average assets | 1.7163% | 532 |
| Noninterest expense to average assets | 4.4161% | 592 |
| Loan and lease loss provision to assets | 1.3906% | 237 |
| Net operating income to assets | -0.8654% | 6,823 |
| Return on assets (ROA) | -0.8654% | 6,848 |
| Pretax return on assets | -0.8654% | 6,821 |
| Return on Equity (ROE) | -16.7735% | 6,954 |
| Retained earnings to average equity (ytd only) | -16.7735% | 6,934 |
| Net charge-offs to loans | 0.6098% | 1,801 |
| Credit loss provision to net charge-offs | 311.4706% | 864 |
| Earnings coverage of net charge-offs (x) | 1.1765% | 4,711 |
| Efficiency ratio | 89.3702% | 1,080 |
| Assets per employee ($millions) | 4.9307% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3251% | 27 |
| Loan loss allowance to noncurrent loans | 48.1848% | 5,222 |
| Noncurrent assets plus other real estate owned to assets | 12.7027% | 137 |
| Noncurrent loans to loans | 17.2775% | 67 |
| Net loans and leases to total assets | 67.0242% | 2,449 |
| Net loans and leases to deposits | 71.0348% | 3,743 |
| Net loans and leases to core deposits | 76.5980% | 3,662 |
| Total domestic deposits to total assets | 94.3540% | 61 |
| Equity capital to assets | 5.4950% | 7,023 |
| Core capital (leverage) ratio | 5.2229% | 7,005 |
| Tier 1 risk-based capital ratio | 9.6860% | 6,869 |
| Total risk-based capital ratio | 11.0524% | 6,826 |
| Memoranda: | ||
| Average total assets | $101,535,000 | 4,840 |
| Average earning assets | $96,695,750 | 4,721 |
| Average equity | $5,238,250 | 6,295 |
| Average total loans | $74,339,000 | 4,249 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3548% | 4,360 |
| Cost of funding earning assets | 1.0506% | 1,469 |
| Net interest margin | 3.3043% | 5,428 |
| Noninterest income to average assets | 2.2950% | 329 |
| Noninterest expense to average assets | 4.9454% | 393 |
| Loan and lease loss provision to assets | 2.0020% | 143 |
| Net operating income to assets | -1.5010% | 7,020 |
| Return on assets (ROA) | -1.5010% | 7,032 |
| Pretax return on assets | -1.5010% | 7,004 |
| Return on Equity (ROE) | -29.6342% | 7,099 |
| Retained earnings to average equity (ytd only) | -29.6342% | 7,087 |
| Net charge-offs to loans | 0.4749% | 2,164 |
| Credit loss provision to net charge-offs | 575.5435% | 540 |
| Earnings coverage of net charge-offs (x) | 1.4402% | 4,278 |
| Efficiency ratio | 90.8018% | 1,017 |
| Assets per employee ($millions) | 4.4506% | 3,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.8056% | 36 |
| Loan loss allowance to noncurrent loans | 79.1174% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 7.2605% | 518 |
| Noncurrent loans to loans | 9.8659% | 280 |
| Net loans and leases to total assets | 67.0463% | 2,453 |
| Net loans and leases to deposits | 70.6429% | 3,800 |
| Net loans and leases to core deposits | 76.4715% | 3,720 |
| Total domestic deposits to total assets | 94.9087% | 53 |
| Equity capital to assets | 4.8431% | 7,101 |
| Core capital (leverage) ratio | 4.5205% | 7,100 |
| Tier 1 risk-based capital ratio | 8.5588% | 7,008 |
| Total risk-based capital ratio | 9.9179% | 7,004 |
| Memoranda: | ||
| Average total assets | $105,795,670 | 4,757 |
| Average earning assets | $100,899,000 | 4,645 |
| Average equity | $5,358,670 | 6,285 |
| Average total loans | $77,489,330 | 4,168 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 4,747 |
| Cost of funding earning assets | 1.1291% | 1,260 |
| Net interest margin | 3.1684% | 5,850 |
| Noninterest income to average assets | 4.0023% | 171 |
| Noninterest expense to average assets | 4.5600% | 526 |
| Loan and lease loss provision to assets | 1.4945% | 231 |
| Net operating income to assets | 0.9550% | 2,661 |
| Return on assets (ROA) | 0.9550% | 2,873 |
| Pretax return on assets | 0.9550% | 3,848 |
| Return on Equity (ROE) | 18.4930% | 495 |
| Retained earnings to average equity (ytd only) | 18.4930% | 229 |
| Net charge-offs to loans | 0.7342% | 1,385 |
| Credit loss provision to net charge-offs | 277.0270% | 1,056 |
| Earnings coverage of net charge-offs (x) | 4.5405% | 2,554 |
| Efficiency ratio | 65.0546% | 4,727 |
| Assets per employee ($millions) | 3.6479% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3270% | 65 |
| Loan loss allowance to noncurrent loans | 75.7274% | 3,824 |
| Noncurrent assets plus other real estate owned to assets | 6.4754% | 698 |
| Noncurrent loans to loans | 8.3550% | 446 |
| Net loans and leases to total assets | 71.6774% | 1,457 |
| Net loans and leases to deposits | 76.2157% | 2,766 |
| Net loans and leases to core deposits | 83.7723% | 2,571 |
| Total domestic deposits to total assets | 94.0455% | 90 |
| Equity capital to assets | 5.6765% | 7,097 |
| Core capital (leverage) ratio | 4.8469% | 7,129 |
| Tier 1 risk-based capital ratio | 9.3408% | 6,986 |
| Total risk-based capital ratio | 10.6731% | 6,972 |
| Memoranda: | ||
| Average total assets | $109,737,000 | 4,715 |
| Average earning assets | $104,153,500 | 4,594 |
| Average equity | $5,667,000 | 6,236 |
| Average total loans | $80,631,500 | 4,106 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 1,599 |
| Cost of funding earning assets | 1.3261% | 1,359 |
| Net interest margin | 4.0136% | 2,815 |
| Noninterest income to average assets | 0.4405% | 4,300 |
| Noninterest expense to average assets | 3.4564% | 2,101 |
| Loan and lease loss provision to assets | 5.1731% | 18 |
| Net operating income to assets | -4.4508% | 7,280 |
| Return on assets (ROA) | -4.4508% | 7,283 |
| Pretax return on assets | -4.4508% | 7,290 |
| Return on Equity (ROE) | -70.1046% | 7,273 |
| Retained earnings to average equity (ytd only) | -70.1046% | 7,273 |
| Net charge-offs to loans | 4.0952% | 145 |
| Credit loss provision to net charge-offs | 155.2787% | 1,807 |
| Earnings coverage of net charge-offs (x) | 0.2168% | 5,667 |
| Efficiency ratio | 82.7139% | 1,922 |
| Assets per employee ($millions) | 4.1905% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6350% | 115 |
| Loan loss allowance to noncurrent loans | 77.5973% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 5.9012% | 838 |
| Noncurrent loans to loans | 7.2618% | 601 |
| Net loans and leases to total assets | 66.8380% | 2,622 |
| Net loans and leases to deposits | 70.2287% | 4,057 |
| Net loans and leases to core deposits | 76.5625% | 3,895 |
| Total domestic deposits to total assets | 95.1719% | 55 |
| Equity capital to assets | 4.7182% | 7,184 |
| Core capital (leverage) ratio | 4.6338% | 7,172 |
| Tier 1 risk-based capital ratio | 7.7241% | 7,124 |
| Total risk-based capital ratio | 9.0454% | 7,121 |
| Memoranda: | ||
| Average total assets | $121,687,000 | 4,354 |
| Average earning assets | $113,339,200 | 4,297 |
| Average equity | $7,725,600 | 5,657 |
| Average total loans | $98,993,400 | 3,643 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7255% | 812 |
| Cost of funding earning assets | 1.3762% | 1,337 |
| Net interest margin | 4.3493% | 1,562 |
| Noninterest income to average assets | 0.4203% | 4,515 |
| Noninterest expense to average assets | 3.3882% | 2,221 |
| Loan and lease loss provision to assets | 5.1725% | 25 |
| Net operating income to assets | -4.0941% | 7,337 |
| Return on assets (ROA) | -4.0941% | 7,339 |
| Pretax return on assets | -4.0941% | 7,341 |
| Return on Equity (ROE) | -60.7584% | 7,323 |
| Retained earnings to average equity (ytd only) | -60.7584% | 7,320 |
| Net charge-offs to loans | 3.4444% | 235 |
| Credit loss provision to net charge-offs | 179.0602% | 1,663 |
| Earnings coverage of net charge-offs (x) | 0.3733% | 5,331 |
| Efficiency ratio | 75.8570% | 2,864 |
| Assets per employee ($millions) | 4.3013% | 3,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9300% | 196 |
| Loan loss allowance to noncurrent loans | 47.3388% | 5,175 |
| Noncurrent assets plus other real estate owned to assets | 8.8562% | 455 |
| Noncurrent loans to loans | 10.4144% | 328 |
| Net loans and leases to total assets | 72.7731% | 1,553 |
| Net loans and leases to deposits | 77.5736% | 3,074 |
| Net loans and leases to core deposits | 85.4990% | 2,848 |
| Total domestic deposits to total assets | 93.8117% | 95 |
| Equity capital to assets | 5.9625% | 7,188 |
| Core capital (leverage) ratio | 5.7478% | 7,162 |
| Tier 1 risk-based capital ratio | 9.0925% | 7,105 |
| Total risk-based capital ratio | 10.3980% | 7,094 |
| Memoranda: | ||
| Average total assets | $122,775,500 | 4,346 |
| Average earning assets | $114,222,500 | 4,304 |
| Average equity | $8,273,000 | 5,519 |
| Average total loans | $102,965,250 | 3,571 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6359% | 1,002 |
| Cost of funding earning assets | 1.4186% | 1,336 |
| Net interest margin | 4.2173% | 1,965 |
| Noninterest income to average assets | 0.3836% | 4,812 |
| Noninterest expense to average assets | 3.3410% | 2,427 |
| Loan and lease loss provision to assets | 7.1757% | 11 |
| Net operating income to assets | -6.2158% | 7,465 |
| Return on assets (ROA) | -6.2158% | 7,467 |
| Pretax return on assets | -6.2158% | 7,465 |
| Return on Equity (ROE) | -88.9198% | 7,427 |
| Retained earnings to average equity (ytd only) | -88.9198% | 7,425 |
| Net charge-offs to loans | 1.4133% | 1,072 |
| Credit loss provision to net charge-offs | 588.7118% | 528 |
| Earnings coverage of net charge-offs (x) | 0.7875% | 4,710 |
| Efficiency ratio | 77.6816% | 2,763 |
| Assets per employee ($millions) | 3.9667% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0924% | 90 |
| Loan loss allowance to noncurrent loans | 56.6590% | 4,633 |
| Noncurrent assets plus other real estate owned to assets | 10.0326% | 388 |
| Noncurrent loans to loans | 10.7527% | 337 |
| Net loans and leases to total assets | 79.2961% | 612 |
| Net loans and leases to deposits | 84.4526% | 2,040 |
| Net loans and leases to core deposits | 95.1528% | 1,770 |
| Total domestic deposits to total assets | 93.8942% | 84 |
| Equity capital to assets | 5.9755% | 7,245 |
| Core capital (leverage) ratio | 5.6123% | 7,246 |
| Tier 1 risk-based capital ratio | 8.3531% | 7,227 |
| Total risk-based capital ratio | 9.6770% | 7,221 |
| Memoranda: | ||
| Average total assets | $123,555,330 | 4,354 |
| Average earning assets | $114,764,330 | 4,311 |
| Average equity | $8,637,000 | 5,418 |
| Average total loans | $106,557,000 | 3,533 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8664% | 649 |
| Cost of funding earning assets | 1.4186% | 1,519 |
| Net interest margin | 4.4478% | 1,179 |
| Noninterest income to average assets | 0.4895% | 3,973 |
| Noninterest expense to average assets | 3.1025% | 3,233 |
| Loan and lease loss provision to assets | 11.3739% | 6 |
| Net operating income to assets | -9.8608% | 7,553 |
| Return on assets (ROA) | -9.8608% | 7,553 |
| Pretax return on assets | -9.8608% | 7,550 |
| Return on Equity (ROE) | -132.0000% | 7,512 |
| Retained earnings to average equity (ytd only) | -132.0000% | 7,507 |
| Net charge-offs to loans | 0.4307% | 2,405 |
| Credit loss provision to net charge-offs | 3,032.2034% | 118 |
| Earnings coverage of net charge-offs (x) | 4.0339% | 2,574 |
| Efficiency ratio | 67.2176% | 4,809 |
| Assets per employee ($millions) | 3.7074% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4861% | 139 |
| Loan loss allowance to noncurrent loans | 64.4112% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 8.6379% | 523 |
| Noncurrent loans to loans | 8.5174% | 547 |
| Net loans and leases to total assets | 83.1083% | 267 |
| Net loans and leases to deposits | 90.4770% | 1,181 |
| Net loans and leases to core deposits | 97.5731% | 1,558 |
| Total domestic deposits to total assets | 91.8558% | 327 |
| Equity capital to assets | 6.4155% | 7,230 |
| Core capital (leverage) ratio | 5.8710% | 7,270 |
| Tier 1 risk-based capital ratio | 8.3594% | 7,266 |
| Total risk-based capital ratio | 9.6715% | 7,267 |
| Memoranda: | ||
| Average total assets | $125,832,000 | 4,336 |
| Average earning assets | $116,733,000 | 4,280 |
| Average equity | $9,400,000 | 5,204 |
| Average total loans | $109,592,500 | 3,505 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7190% | 1,500 |
| Cost of funding earning assets | 1.6074% | 2,031 |
| Net interest margin | 4.1116% | 2,515 |
| Noninterest income to average assets | 0.6215% | 3,334 |
| Noninterest expense to average assets | 2.4536% | 5,933 |
| Loan and lease loss provision to assets | 1.8337% | 751 |
| Net operating income to assets | 0.1354% | 5,486 |
| Return on assets (ROA) | 0.1354% | 5,639 |
| Pretax return on assets | 0.1354% | 5,632 |
| Return on Equity (ROE) | 1.5511% | 5,542 |
| Retained earnings to average equity (ytd only) | -8.3634% | 6,557 |
| Net charge-offs to loans | 1.1028% | 2,021 |
| Credit loss provision to net charge-offs | 191.9485% | 1,672 |
| Earnings coverage of net charge-offs (x) | 2.0612% | 4,182 |
| Efficiency ratio | 55.4783% | 6,658 |
| Assets per employee ($millions) | 4.0413% | 3,699 |
| Cash dividends to net income (ytd only)* | 639.2045% | 30 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1881% | 1,894 |
| Loan loss allowance to noncurrent loans | 38.2279% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 5.3333% | 1,165 |
| Noncurrent loans to loans | 5.7238% | 1,116 |
| Net loans and leases to total assets | 84.4131% | 271 |
| Net loans and leases to deposits | 101.2860% | 516 |
| Net loans and leases to core deposits | 107.8366% | 1,059 |
| Total domestic deposits to total assets | 83.3413% | 4,665 |
| Equity capital to assets | 8.4681% | 5,895 |
| Core capital (leverage) ratio | 8.1209% | 5,971 |
| Tier 1 risk-based capital ratio | 10.8101% | 6,479 |
| Total risk-based capital ratio | 11.9523% | 6,537 |
| Memoranda: | ||
| Average total assets | $130,011,000 | 4,269 |
| Average earning assets | $120,195,200 | 4,225 |
| Average equity | $11,347,000 | 4,776 |
| Average total loans | $112,619,600 | 3,481 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0332% | 874 |
| Cost of funding earning assets | 1.6393% | 2,164 |
| Net interest margin | 4.3939% | 1,545 |
| Noninterest income to average assets | 0.6360% | 3,216 |
| Noninterest expense to average assets | 2.3791% | 6,092 |
| Loan and lease loss provision to assets | 2.2521% | 495 |
| Net operating income to assets | 0.0594% | 5,865 |
| Return on assets (ROA) | 0.0594% | 6,002 |
| Pretax return on assets | 0.0594% | 5,989 |
| Return on Equity (ROE) | 0.6756% | 5,974 |
| Retained earnings to average equity (ytd only) | -12.4291% | 6,990 |
| Net charge-offs to loans | 1.3064% | 1,560 |
| Credit loss provision to net charge-offs | 198.8246% | 1,800 |
| Earnings coverage of net charge-offs (x) | 2.0407% | 4,196 |
| Efficiency ratio | 50.7205% | 7,096 |
| Assets per employee ($millions) | 5.5500% | 1,586 |
| Cash dividends to net income (ytd only)* | 1,939.6871% | 5 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 2,092 |
| Loan loss allowance to noncurrent loans | 48.9266% | 5,033 |
| Noncurrent assets plus other real estate owned to assets | 3.8971% | 1,810 |
| Noncurrent loans to loans | 4.1981% | 1,743 |
| Net loans and leases to total assets | 85.6704% | 228 |
| Net loans and leases to deposits | 111.1043% | 234 |
| Net loans and leases to core deposits | 118.9730% | 653 |
| Total domestic deposits to total assets | 77.1081% | 6,456 |
| Equity capital to assets | 8.1329% | 6,689 |
| Core capital (leverage) ratio | 8.0429% | 6,286 |
| Tier 1 risk-based capital ratio | 10.2654% | 6,921 |
| Total risk-based capital ratio | 11.5278% | 6,903 |
| Memoranda: | ||
| Average total assets | $130,183,750 | 4,324 |
| Average earning assets | $120,132,000 | 4,283 |
| Average equity | $11,446,000 | 4,827 |
| Average total loans | $112,873,250 | 3,533 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9257% | 1,124 |
| Cost of funding earning assets | 1.6858% | 2,195 |
| Net interest margin | 4.2399% | 2,018 |
| Noninterest income to average assets | 0.6410% | 3,056 |
| Noninterest expense to average assets | 2.3518% | 6,214 |
| Loan and lease loss provision to assets | 1.8084% | 688 |
| Net operating income to assets | 0.3747% | 4,874 |
| Return on assets (ROA) | 0.3747% | 5,039 |
| Pretax return on assets | 0.3747% | 5,294 |
| Return on Equity (ROE) | 4.1544% | 4,709 |
| Retained earnings to average equity (ytd only) | -8.9783% | 6,866 |
| Net charge-offs to loans | 1.9129% | 968 |
| Credit loss provision to net charge-offs | 109.3633% | 3,732 |
| Earnings coverage of net charge-offs (x) | 1.3202% | 4,507 |
| Efficiency ratio | 51.8607% | 7,088 |
| Assets per employee ($millions) | 5.4724% | 1,647 |
| Cash dividends to net income (ytd only)* | 316.1157% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 5,340 |
| Loan loss allowance to noncurrent loans | 29.8190% | 6,378 |
| Noncurrent assets plus other real estate owned to assets | 3.8032% | 1,830 |
| Noncurrent loans to loans | 4.0996% | 1,837 |
| Net loans and leases to total assets | 86.1319% | 222 |
| Net loans and leases to deposits | 103.2408% | 526 |
| Net loans and leases to core deposits | 109.1615% | 1,222 |
| Total domestic deposits to total assets | 83.4281% | 4,378 |
| Equity capital to assets | 8.6617% | 5,929 |
| Core capital (leverage) ratio | 8.6070% | 5,222 |
| Tier 1 risk-based capital ratio | 10.8850% | 6,369 |
| Total risk-based capital ratio | 12.1403% | 6,347 |
| Memoranda: | ||
| Average total assets | $129,178,330 | 4,373 |
| Average earning assets | $118,636,000 | 4,347 |
| Average equity | $11,650,330 | 4,769 |
| Average total loans | $111,662,330 | 3,594 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0830% | 808 |
| Cost of funding earning assets | 1.7002% | 2,391 |
| Net interest margin | 4.3828% | 1,440 |
| Noninterest income to average assets | 0.6526% | 2,918 |
| Noninterest expense to average assets | 2.3888% | 6,129 |
| Loan and lease loss provision to assets | 0.6995% | 1,822 |
| Net operating income to assets | 1.5488% | 821 |
| Return on assets (ROA) | 1.5488% | 882 |
| Pretax return on assets | 1.5488% | 1,398 |
| Return on Equity (ROE) | 16.8314% | 623 |
| Retained earnings to average equity (ytd only) | -7.6013% | 6,797 |
| Net charge-offs to loans | 0.0943% | 4,472 |
| Credit loss provision to net charge-offs | 861.5385% | 538 |
| Earnings coverage of net charge-offs (x) | 27.6923% | 922 |
| Efficiency ratio | 51.5152% | 7,191 |
| Assets per employee ($millions) | 5.3875% | 1,780 |
| Cash dividends to net income (ytd only)* | 145.1613% | 323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3342% | 4,757 |
| Loan loss allowance to noncurrent loans | 78.6352% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.5074% | 4,243 |
| Noncurrent loans to loans | 1.6966% | 4,197 |
| Net loans and leases to total assets | 85.6797% | 233 |
| Net loans and leases to deposits | 102.2993% | 626 |
| Net loans and leases to core deposits | 107.6922% | 1,443 |
| Total domestic deposits to total assets | 83.7539% | 4,260 |
| Equity capital to assets | 9.0302% | 5,234 |
| Core capital (leverage) ratio | 8.9818% | 4,600 |
| Tier 1 risk-based capital ratio | 11.1738% | 5,984 |
| Total risk-based capital ratio | 12.4266% | 5,941 |
| Memoranda: | ||
| Average total assets | $128,099,000 | 4,452 |
| Average earning assets | $116,456,500 | 4,458 |
| Average equity | $11,787,500 | 4,769 |
| Average total loans | $110,232,000 | 3,675 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9177% | 2,164 |
| Cost of funding earning assets | 1.9302% | 3,303 |
| Net interest margin | 3.9875% | 2,907 |
| Noninterest income to average assets | 0.9198% | 1,868 |
| Noninterest expense to average assets | 2.5713% | 5,892 |
| Loan and lease loss provision to assets | 0.7643% | 2,820 |
| Net operating income to assets | 1.2680% | 1,095 |
| Return on assets (ROA) | 1.2680% | 1,155 |
| Pretax return on assets | 1.2680% | 1,787 |
| Return on Equity (ROE) | 15.8144% | 573 |
| Retained earnings to average equity (ytd only) | 14.2826% | 109 |
| Net charge-offs to loans | 0.1717% | 5,573 |
| Credit loss provision to net charge-offs | 517.9641% | 594 |
| Earnings coverage of net charge-offs (x) | 13.7725% | 1,406 |
| Efficiency ratio | 55.8541% | 7,037 |
| Assets per employee ($millions) | 5.2875% | 1,846 |
| Cash dividends to net income (ytd only)* | 9.6864% | 3,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 5,348 |
| Loan loss allowance to noncurrent loans | 55.2721% | 4,681 |
| Noncurrent assets plus other real estate owned to assets | 1.8881% | 3,548 |
| Noncurrent loans to loans | 2.1741% | 3,413 |
| Net loans and leases to total assets | 84.2268% | 405 |
| Net loans and leases to deposits | 102.8463% | 702 |
| Net loans and leases to core deposits | 139.1090% | 841 |
| Total domestic deposits to total assets | 81.8958% | 4,998 |
| Equity capital to assets | 9.3767% | 4,596 |
| Core capital (leverage) ratio | 9.5168% | 3,694 |
| Tier 1 risk-based capital ratio | 11.6368% | 5,260 |
| Total risk-based capital ratio | 12.8867% | 5,214 |
| Memoranda: | ||
| Average total assets | $113,172,000 | 4,754 |
| Average earning assets | $104,551,200 | 4,715 |
| Average equity | $9,074,000 | 5,585 |
| Average total loans | $97,263,000 | 4,028 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1684% | 1,447 |
| Cost of funding earning assets | 2.0104% | 3,302 |
| Net interest margin | 4.1581% | 2,188 |
| Noninterest income to average assets | 0.9537% | 1,766 |
| Noninterest expense to average assets | 2.6146% | 5,661 |
| Loan and lease loss provision to assets | 0.5893% | 3,027 |
| Net operating income to assets | 1.5770% | 693 |
| Return on assets (ROA) | 1.5770% | 746 |
| Pretax return on assets | 1.5770% | 1,226 |
| Return on Equity (ROE) | 20.6820% | 278 |
| Retained earnings to average equity (ytd only) | 18.3239% | 85 |
| Net charge-offs to loans | 0.1227% | 5,470 |
| Credit loss provision to net charge-offs | 557.4713% | 696 |
| Earnings coverage of net charge-offs (x) | 20.4937% | 1,235 |
| Efficiency ratio | 54.6887% | 7,162 |
| Assets per employee ($millions) | 5.1238% | 1,996 |
| Cash dividends to net income (ytd only)* | 11.4023% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9463% | 6,569 |
| Loan loss allowance to noncurrent loans | 36.7918% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 2.2461% | 3,043 |
| Noncurrent loans to loans | 2.5722% | 2,933 |
| Net loans and leases to total assets | 85.1183% | 428 |
| Net loans and leases to deposits | 107.6077% | 575 |
| Net loans and leases to core deposits | 147.9288% | 628 |
| Total domestic deposits to total assets | 79.1006% | 5,765 |
| Equity capital to assets | 7.3628% | 7,389 |
| Core capital (leverage) ratio | 7.6421% | 6,808 |
| Tier 1 risk-based capital ratio | 9.2123% | 7,532 |
| Total risk-based capital ratio | 10.2297% | 7,644 |
| Memoranda: | ||
| Average total assets | $109,740,250 | 4,856 |
| Average earning assets | $101,006,250 | 4,841 |
| Average equity | $8,367,750 | 5,865 |
| Average total loans | $94,533,000 | 4,132 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1876% | 1,499 |
| Cost of funding earning assets | 2.1518% | 3,034 |
| Net interest margin | 4.0357% | 2,551 |
| Noninterest income to average assets | 0.9038% | 1,972 |
| Noninterest expense to average assets | 2.7191% | 5,309 |
| Loan and lease loss provision to assets | 0.8146% | 2,053 |
| Net operating income to assets | 1.0595% | 1,915 |
| Return on assets (ROA) | 1.0595% | 1,992 |
| Pretax return on assets | 1.0595% | 2,774 |
| Return on Equity (ROE) | 13.7118% | 1,040 |
| Retained earnings to average equity (ytd only) | 12.3111% | 398 |
| Net charge-offs to loans | 0.0683% | 5,554 |
| Credit loss provision to net charge-offs | 1,383.8710% | 364 |
| Earnings coverage of net charge-offs (x) | 31.8387% | 953 |
| Efficiency ratio | 59.1980% | 6,665 |
| Assets per employee ($millions) | 4.7296% | 2,425 |
| Cash dividends to net income (ytd only)* | 10.2151% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 6,115 |
| Loan loss allowance to noncurrent loans | 581.3953% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1903% | 7,049 |
| Noncurrent loans to loans | 0.1746% | 7,083 |
| Net loans and leases to total assets | 85.9212% | 384 |
| Net loans and leases to deposits | 109.9871% | 552 |
| Net loans and leases to core deposits | 156.3883% | 510 |
| Total domestic deposits to total assets | 78.1193% | 6,042 |
| Equity capital to assets | 7.4046% | 7,349 |
| Core capital (leverage) ratio | 7.6612% | 6,811 |
| Tier 1 risk-based capital ratio | 9.2626% | 7,564 |
| Total risk-based capital ratio | 10.3647% | 7,639 |
| Memoranda: | ||
| Average total assets | $105,330,330 | 5,003 |
| Average earning assets | $96,290,000 | 5,000 |
| Average equity | $8,139,000 | 5,972 |
| Average total loans | $90,820,670 | 4,257 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1631% | 1,720 |
| Cost of funding earning assets | 2.3246% | 2,599 |
| Net interest margin | 3.8384% | 3,305 |
| Noninterest income to average assets | 0.8060% | 2,293 |
| Noninterest expense to average assets | 2.8842% | 4,213 |
| Loan and lease loss provision to assets | 0.4149% | 2,843 |
| Net operating income to assets | 1.0233% | 2,219 |
| Return on assets (ROA) | 1.0233% | 2,360 |
| Pretax return on assets | 1.0233% | 3,267 |
| Return on Equity (ROE) | 12.9403% | 1,408 |
| Retained earnings to average equity (ytd only) | 10.1424% | 1,155 |
| Net charge-offs to loans | 0.0046% | 5,642 |
| Credit loss provision to net charge-offs | 10,500.0000% | 55 |
| Earnings coverage of net charge-offs (x) | 364.0000% | 97 |
| Efficiency ratio | 66.7276% | 5,192 |
| Assets per employee ($millions) | 4.3592% | 2,956 |
| Cash dividends to net income (ytd only)* | 21.6216% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7773% | 7,238 |
| Loan loss allowance to noncurrent loans | 60.9672% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.1489% | 4,375 |
| Noncurrent loans to loans | 1.2749% | 4,433 |
| Net loans and leases to total assets | 86.1443% | 426 |
| Net loans and leases to deposits | 105.8687% | 875 |
| Net loans and leases to core deposits | 150.0358% | 704 |
| Total domestic deposits to total assets | 81.3689% | 4,807 |
| Equity capital to assets | 7.7489% | 7,127 |
| Core capital (leverage) ratio | 7.9792% | 6,490 |
| Tier 1 risk-based capital ratio | 9.7617% | 7,184 |
| Total risk-based capital ratio | 10.6118% | 7,499 |
| Memoranda: | ||
| Average total assets | $101,240,000 | 5,143 |
| Average earning assets | $92,746,000 | 5,125 |
| Average equity | $8,006,000 | 6,062 |
| Average total loans | $86,966,000 | 4,394 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8142% | 1,630 |
| Cost of funding earning assets | 3.1183% | 1,457 |
| Net interest margin | 3.6959% | 4,490 |
| Noninterest income to average assets | 0.8745% | 2,081 |
| Noninterest expense to average assets | 2.7014% | 5,259 |
| Loan and lease loss provision to assets | 0.0988% | 6,117 |
| Net operating income to assets | 1.4303% | 1,167 |
| Return on assets (ROA) | 1.4303% | 1,119 |
| Pretax return on assets | 1.4303% | 1,869 |
| Return on Equity (ROE) | 16.4465% | 706 |
| Retained earnings to average equity (ytd only) | 10.9643% | 330 |
| Net charge-offs to loans | 0.0126% | 6,739 |
| Credit loss provision to net charge-offs | 944.4444% | 471 |
| Earnings coverage of net charge-offs (x) | 146.1111% | 314 |
| Efficiency ratio | 63.8538% | 5,593 |
| Assets per employee ($millions) | 4.0775% | 3,347 |
| Cash dividends to net income (ytd only)* | 33.3333% | 3,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7232% | 7,365 |
| Loan loss allowance to noncurrent loans | 37.6095% | 6,212 |
| Noncurrent assets plus other real estate owned to assets | 1.6779% | 2,896 |
| Noncurrent loans to loans | 1.9230% | 2,864 |
| Net loans and leases to total assets | 84.3050% | 839 |
| Net loans and leases to deposits | 104.2997% | 1,311 |
| Net loans and leases to core deposits | 149.2672% | 881 |
| Total domestic deposits to total assets | 80.8296% | 4,723 |
| Equity capital to assets | 8.0779% | 6,737 |
| Core capital (leverage) ratio | 8.1863% | 6,188 |
| Tier 1 risk-based capital ratio | 10.2469% | 6,471 |
| Total risk-based capital ratio | 11.0260% | 6,871 |
| Memoranda: | ||
| Average total assets | $85,993,200 | 5,482 |
| Average earning assets | $78,086,400 | 5,496 |
| Average equity | $7,478,800 | 6,285 |
| Average total loans | $71,251,600 | 4,825 |