Home > Texas Star Bank, SSB > Performance and Condition Ratios
Texas Star Bank, SSB, 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 | 5.9930% | 155 |
| Cost of funding earning assets | 0.7024% | 1,092 |
| Net interest margin | 5.2906% | 184 |
| Noninterest income to average assets | 0.1909% | 5,712 |
| Noninterest expense to average assets | 3.2870% | 1,960 |
| Loan and lease loss provision to assets | 0.0443% | 3,684 |
| Net operating income to assets | 1.1554% | 1,747 |
| Return on assets (ROA) | 1.1554% | 1,816 |
| Pretax return on assets | 1.8187% | 760 |
| Return on Equity (ROE) | 12.5602% | 1,250 |
| Retained earnings to average equity (ytd only) | 12.5602% | 256 |
| Net charge-offs to loans | 0.0192% | 4,469 |
| Credit loss provision to net charge-offs | 264.7059% | 969 |
| Earnings coverage of net charge-offs (x) | 111.3529% | 475 |
| Efficiency ratio | 63.8257% | 4,616 |
| Assets per employee ($millions) | 4.0790% | 3,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3393% | 6,362 |
| Loan loss allowance to noncurrent loans | 69.3712% | 4,539 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 4,047 |
| Noncurrent loans to loans | 0.4892% | 4,193 |
| Net loans and leases to total assets | 84.9108% | 282 |
| Net loans and leases to deposits | 148.2962% | 16 |
| Net loans and leases to core deposits | 191.3308% | 47 |
| Total domestic deposits to total assets | 57.2576% | 6,426 |
| Equity capital to assets | 8.4293% | 5,808 |
| Core capital (leverage) ratio | 9.2700% | 4,572 |
| Tier 1 risk-based capital ratio | 10.5449% | 6,081 |
| Total risk-based capital ratio | 10.9065% | 6,307 |
| Memoranda: | ||
| Average total assets | $101,611,600 | 4,557 |
| Average earning assets | $95,244,600 | 4,525 |
| Average equity | $9,347,000 | 4,893 |
| Average total loans | $88,498,800 | 3,663 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9875% | 157 |
| Cost of funding earning assets | 0.7260% | 1,015 |
| Net interest margin | 5.2615% | 185 |
| Noninterest income to average assets | 0.1875% | 5,794 |
| Noninterest expense to average assets | 3.1498% | 2,324 |
| Loan and lease loss provision to assets | 0.0411% | 3,584 |
| Net operating income to assets | 1.2493% | 1,529 |
| Return on assets (ROA) | 1.2493% | 1,583 |
| Pretax return on assets | 1.9252% | 674 |
| Return on Equity (ROE) | 13.2445% | 1,157 |
| Retained earnings to average equity (ytd only) | 13.2445% | 304 |
| Net charge-offs to loans | 0.0265% | 3,973 |
| Credit loss provision to net charge-offs | 176.4706% | 1,414 |
| Earnings coverage of net charge-offs (x) | 84.5148% | 671 |
| Efficiency ratio | 61.5673% | 4,949 |
| Assets per employee ($millions) | 3.9000% | 4,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3397% | 6,446 |
| Loan loss allowance to noncurrent loans | 99.0909% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 4,458 |
| Noncurrent loans to loans | 0.3428% | 4,871 |
| Net loans and leases to total assets | 87.8435% | 119 |
| Net loans and leases to deposits | 120.8319% | 88 |
| Net loans and leases to core deposits | 158.9547% | 80 |
| Total domestic deposits to total assets | 72.6990% | 6,116 |
| Equity capital to assets | 8.8919% | 5,471 |
| Core capital (leverage) ratio | 9.1580% | 4,838 |
| Tier 1 risk-based capital ratio | 10.7113% | 6,126 |
| Total risk-based capital ratio | 11.0720% | 6,354 |
| Memoranda: | ||
| Average total assets | $97,442,000 | 4,710 |
| Average earning assets | $91,277,500 | 4,663 |
| Average equity | $9,191,000 | 4,962 |
| Average total loans | $85,427,750 | 3,771 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8034% | 185 |
| Cost of funding earning assets | 0.7312% | 1,019 |
| Net interest margin | 5.0722% | 252 |
| Noninterest income to average assets | 0.2331% | 5,529 |
| Noninterest expense to average assets | 3.2784% | 1,972 |
| Loan and lease loss provision to assets | 0.0321% | 3,643 |
| Net operating income to assets | 1.0628% | 2,066 |
| Return on assets (ROA) | 1.0628% | 2,147 |
| Pretax return on assets | 1.6552% | 1,125 |
| Return on Equity (ROE) | 11.0224% | 1,736 |
| Retained earnings to average equity (ytd only) | 11.0224% | 536 |
| Net charge-offs to loans | 0.0416% | 3,398 |
| Credit loss provision to net charge-offs | 88.2353% | 2,212 |
| Earnings coverage of net charge-offs (x) | 46.4118% | 960 |
| Efficiency ratio | 66.0207% | 4,367 |
| Assets per employee ($millions) | 3.4240% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3521% | 6,510 |
| Loan loss allowance to noncurrent loans | 73.4118% | 4,391 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 4,033 |
| Noncurrent loans to loans | 0.4796% | 4,561 |
| Net loans and leases to total assets | 88.9300% | 73 |
| Net loans and leases to deposits | 119.7832% | 88 |
| Net loans and leases to core deposits | 168.7007% | 60 |
| Total domestic deposits to total assets | 74.2424% | 6,091 |
| Equity capital to assets | 9.3600% | 4,900 |
| Core capital (leverage) ratio | 9.9451% | 3,691 |
| Tier 1 risk-based capital ratio | 10.9287% | 6,076 |
| Total risk-based capital ratio | 11.2956% | 6,342 |
| Memoranda: | ||
| Average total assets | $93,522,330 | 4,837 |
| Average earning assets | $87,259,670 | 4,787 |
| Average equity | $9,018,000 | 5,021 |
| Average total loans | $81,819,330 | 3,856 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2886% | 415 |
| Cost of funding earning assets | 0.7127% | 1,173 |
| Net interest margin | 4.5758% | 580 |
| Noninterest income to average assets | 0.2869% | 5,077 |
| Noninterest expense to average assets | 3.4114% | 1,668 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7326% | 3,532 |
| Return on assets (ROA) | 0.7326% | 3,611 |
| Pretax return on assets | 1.1254% | 2,791 |
| Return on Equity (ROE) | 7.4775% | 3,219 |
| Retained earnings to average equity (ytd only) | 7.4775% | 1,829 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1946% | 2,928 |
| Assets per employee ($millions) | 3.4957% | 4,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3644% | 6,580 |
| Loan loss allowance to noncurrent loans | 106.8027% | 3,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 4,481 |
| Noncurrent loans to loans | 0.3412% | 5,091 |
| Net loans and leases to total assets | 87.7135% | 90 |
| Net loans and leases to deposits | 139.8980% | 25 |
| Net loans and leases to core deposits | 169.6485% | 55 |
| Total domestic deposits to total assets | 62.6982% | 6,611 |
| Equity capital to assets | 9.1571% | 4,930 |
| Core capital (leverage) ratio | 11.4135% | 2,035 |
| Tier 1 risk-based capital ratio | 10.5095% | 6,329 |
| Total risk-based capital ratio | 10.8776% | 6,513 |
| Memoranda: | ||
| Average total assets | $90,636,000 | 4,953 |
| Average earning assets | $84,181,500 | 4,911 |
| Average equity | $8,880,000 | 5,084 |
| Average total loans | $78,421,500 | 3,986 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7477% | 77 |
| Cost of funding earning assets | 0.7674% | 1,395 |
| Net interest margin | 5.9803% | 82 |
| Noninterest income to average assets | 0.2375% | 5,646 |
| Noninterest expense to average assets | 3.4831% | 1,694 |
| Loan and lease loss provision to assets | 0.0166% | 4,804 |
| Net operating income to assets | 1.4712% | 875 |
| Return on assets (ROA) | 1.4791% | 906 |
| Pretax return on assets | 2.2669% | 283 |
| Return on Equity (ROE) | 16.1204% | 609 |
| Retained earnings to average equity (ytd only) | 16.1204% | 147 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5283% | 5,407 |
| Assets per employee ($millions) | 3.0886% | 5,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4443% | 6,612 |
| Loan loss allowance to noncurrent loans | 100.9646% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 0.6751% | 4,221 |
| Noncurrent loans to loans | 0.4400% | 4,902 |
| Net loans and leases to total assets | 84.3738% | 228 |
| Net loans and leases to deposits | 126.4530% | 46 |
| Net loans and leases to core deposits | 147.1495% | 108 |
| Total domestic deposits to total assets | 66.7234% | 6,619 |
| Equity capital to assets | 10.5490% | 3,094 |
| Core capital (leverage) ratio | 11.6986% | 1,827 |
| Tier 1 risk-based capital ratio | 12.3708% | 5,381 |
| Total risk-based capital ratio | 12.8124% | 5,815 |
| Memoranda: | ||
| Average total assets | $90,121,400 | 4,978 |
| Average earning assets | $83,139,000 | 4,951 |
| Average equity | $8,269,000 | 5,271 |
| Average total loans | $76,436,600 | 4,044 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1555% | 61 |
| Cost of funding earning assets | 0.7680% | 1,493 |
| Net interest margin | 6.3876% | 60 |
| Noninterest income to average assets | 0.2237% | 5,825 |
| Noninterest expense to average assets | 3.4130% | 1,796 |
| Loan and lease loss provision to assets | 0.0218% | 4,568 |
| Net operating income to assets | 1.7864% | 537 |
| Return on assets (ROA) | 1.7864% | 562 |
| Pretax return on assets | 2.6839% | 189 |
| Return on Equity (ROE) | 20.1544% | 290 |
| Retained earnings to average equity (ytd only) | 20.1544% | 78 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7797% | 5,929 |
| Assets per employee ($millions) | 2.7820% | 6,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5405% | 6,623 |
| Loan loss allowance to noncurrent loans | 98.1250% | 3,517 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 4,203 |
| Noncurrent loans to loans | 0.5508% | 4,820 |
| Net loans and leases to total assets | 76.9281% | 883 |
| Net loans and leases to deposits | 103.7304% | 305 |
| Net loans and leases to core deposits | 112.0108% | 505 |
| Total domestic deposits to total assets | 74.1616% | 6,360 |
| Equity capital to assets | 11.5746% | 2,242 |
| Core capital (leverage) ratio | 10.0611% | 3,582 |
| Tier 1 risk-based capital ratio | 21.0595% | 1,483 |
| Total risk-based capital ratio | 21.8201% | 1,559 |
| Memoranda: | ||
| Average total assets | $91,803,750 | 4,977 |
| Average earning assets | $84,725,000 | 4,959 |
| Average equity | $8,137,000 | 5,355 |
| Average total loans | $77,877,000 | 4,036 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1986% | 57 |
| Cost of funding earning assets | 0.7114% | 1,988 |
| Net interest margin | 6.4871% | 58 |
| Noninterest income to average assets | 0.2054% | 5,975 |
| Noninterest expense to average assets | 3.2270% | 2,285 |
| Loan and lease loss provision to assets | 0.0308% | 4,314 |
| Net operating income to assets | 1.9575% | 380 |
| Return on assets (ROA) | 1.9575% | 408 |
| Pretax return on assets | 2.9599% | 150 |
| Return on Equity (ROE) | 23.9708% | 144 |
| Retained earnings to average equity (ytd only) | 23.9708% | 56 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8996% | 6,284 |
| Assets per employee ($millions) | 3.6224% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3715% | 6,788 |
| Loan loss allowance to noncurrent loans | 94.8640% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.7801% | 4,273 |
| Noncurrent loans to loans | 0.3916% | 5,293 |
| Net loans and leases to total assets | 86.1011% | 150 |
| Net loans and leases to deposits | 159.1729% | 15 |
| Net loans and leases to core deposits | 165.6901% | 66 |
| Total domestic deposits to total assets | 54.0928% | 6,867 |
| Equity capital to assets | 8.6068% | 5,661 |
| Core capital (leverage) ratio | 9.0670% | 4,884 |
| Tier 1 risk-based capital ratio | 16.4939% | 2,941 |
| Total risk-based capital ratio | 17.1092% | 3,229 |
| Memoranda: | ||
| Average total assets | $97,367,330 | 4,874 |
| Average earning assets | $90,240,330 | 4,840 |
| Average equity | $7,951,330 | 5,445 |
| Average total loans | $84,470,330 | 3,864 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4818% | 51 |
| Cost of funding earning assets | 0.7189% | 2,069 |
| Net interest margin | 6.7629% | 51 |
| Noninterest income to average assets | 0.0700% | 6,673 |
| Noninterest expense to average assets | 3.1128% | 2,636 |
| Loan and lease loss provision to assets | 0.0618% | 3,603 |
| Net operating income to assets | 2.0917% | 297 |
| Return on assets (ROA) | 2.0917% | 324 |
| Pretax return on assets | 3.1704% | 137 |
| Return on Equity (ROE) | 26.3281% | 107 |
| Retained earnings to average equity (ytd only) | 26.3281% | 56 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0591% | 6,566 |
| Assets per employee ($millions) | 3.8145% | 4,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3639% | 6,872 |
| Loan loss allowance to noncurrent loans | 92.0821% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.9155% | 4,105 |
| Noncurrent loans to loans | 0.3951% | 5,430 |
| Net loans and leases to total assets | 86.6956% | 104 |
| Net loans and leases to deposits | 148.9244% | 22 |
| Net loans and leases to core deposits | 162.6894% | 68 |
| Total domestic deposits to total assets | 58.2145% | 6,926 |
| Equity capital to assets | 8.0381% | 6,360 |
| Core capital (leverage) ratio | 8.3018% | 5,824 |
| Tier 1 risk-based capital ratio | 16.0561% | 3,229 |
| Total risk-based capital ratio | 16.6885% | 3,528 |
| Memoranda: | ||
| Average total assets | $97,148,000 | 4,922 |
| Average earning assets | $90,138,500 | 4,885 |
| Average equity | $7,718,000 | 5,577 |
| Average total loans | $84,442,500 | 3,888 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3196% | 64 |
| Cost of funding earning assets | 1.1716% | 658 |
| Net interest margin | 6.1480% | 77 |
| Noninterest income to average assets | 0.2380% | 5,740 |
| Noninterest expense to average assets | 3.2677% | 2,434 |
| Loan and lease loss provision to assets | 0.0120% | 5,765 |
| Net operating income to assets | 1.7319% | 578 |
| Return on assets (ROA) | 1.7319% | 646 |
| Pretax return on assets | 2.6385% | 209 |
| Return on Equity (ROE) | 21.6010% | 233 |
| Retained earnings to average equity (ytd only) | 21.6010% | 50 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2142% | 6,147 |
| Assets per employee ($millions) | 3.8047% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3620% | 6,917 |
| Loan loss allowance to noncurrent loans | 49.3399% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 1.1197% | 3,784 |
| Noncurrent loans to loans | 0.7338% | 4,710 |
| Net loans and leases to total assets | 86.5125% | 118 |
| Net loans and leases to deposits | 146.8765% | 26 |
| Net loans and leases to core deposits | 176.6541% | 59 |
| Total domestic deposits to total assets | 58.9016% | 6,979 |
| Equity capital to assets | 7.8471% | 6,481 |
| Core capital (leverage) ratio | 8.2662% | 5,925 |
| Tier 1 risk-based capital ratio | 15.4714% | 3,440 |
| Total risk-based capital ratio | 16.0911% | 3,765 |
| Memoranda: | ||
| Average total assets | $83,606,600 | 5,258 |
| Average earning assets | $77,244,200 | 5,207 |
| Average equity | $6,703,400 | 5,846 |
| Average total loans | $71,885,800 | 4,285 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2984% | 68 |
| Cost of funding earning assets | 1.2835% | 473 |
| Net interest margin | 6.0149% | 86 |
| Noninterest income to average assets | 0.2345% | 5,874 |
| Noninterest expense to average assets | 3.1611% | 2,677 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.7259% | 657 |
| Return on assets (ROA) | 1.7259% | 720 |
| Pretax return on assets | 2.6227% | 246 |
| Return on Equity (ROE) | 21.3918% | 268 |
| Retained earnings to average equity (ytd only) | 21.3918% | 71 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6545% | 6,184 |
| Assets per employee ($millions) | 3.2573% | 5,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3786% | 7,026 |
| Loan loss allowance to noncurrent loans | 43.0060% | 5,500 |
| Noncurrent assets plus other real estate owned to assets | 1.3781% | 3,539 |
| Noncurrent loans to loans | 0.8803% | 4,666 |
| Net loans and leases to total assets | 86.4693% | 132 |
| Net loans and leases to deposits | 112.6720% | 123 |
| Net loans and leases to core deposits | 153.5517% | 102 |
| Total domestic deposits to total assets | 76.7442% | 6,273 |
| Equity capital to assets | 8.0297% | 6,575 |
| Core capital (leverage) ratio | 8.2848% | 6,038 |
| Tier 1 risk-based capital ratio | 15.6374% | 3,460 |
| Total risk-based capital ratio | 16.2773% | 3,779 |
| Memoranda: | ||
| Average total assets | $80,728,750 | 5,384 |
| Average earning assets | $74,479,750 | 5,351 |
| Average equity | $6,513,250 | 5,956 |
| Average total loans | $69,210,250 | 4,421 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3371% | 67 |
| Cost of funding earning assets | 1.3931% | 357 |
| Net interest margin | 5.9441% | 95 |
| Noninterest income to average assets | 0.2324% | 5,908 |
| Noninterest expense to average assets | 3.2226% | 2,518 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6317% | 785 |
| Return on assets (ROA) | 1.6317% | 872 |
| Pretax return on assets | 2.4795% | 307 |
| Return on Equity (ROE) | 20.1885% | 345 |
| Retained earnings to average equity (ytd only) | 20.1885% | 104 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5159% | 6,061 |
| Assets per employee ($millions) | 3.2291% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4193% | 7,073 |
| Loan loss allowance to noncurrent loans | 244.9153% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.8039% | 4,795 |
| Noncurrent loans to loans | 0.1712% | 6,243 |
| Net loans and leases to total assets | 85.0298% | 178 |
| Net loans and leases to deposits | 100.6540% | 397 |
| Net loans and leases to core deposits | 142.5616% | 135 |
| Total domestic deposits to total assets | 84.4773% | 4,110 |
| Equity capital to assets | 8.2451% | 6,418 |
| Core capital (leverage) ratio | 8.2930% | 5,919 |
| Tier 1 risk-based capital ratio | 15.9835% | 3,174 |
| Total risk-based capital ratio | 16.6775% | 3,454 |
| Memoranda: | ||
| Average total assets | $78,322,330 | 5,486 |
| Average earning assets | $72,072,000 | 5,456 |
| Average equity | $6,330,330 | 6,031 |
| Average total loans | $66,834,670 | 4,529 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5564% | 63 |
| Cost of funding earning assets | 1.5486% | 232 |
| Net interest margin | 6.0079% | 99 |
| Noninterest income to average assets | 0.2230% | 6,020 |
| Noninterest expense to average assets | 3.2417% | 2,467 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6442% | 804 |
| Return on assets (ROA) | 1.6442% | 897 |
| Pretax return on assets | 2.4948% | 336 |
| Return on Equity (ROE) | 20.5594% | 349 |
| Retained earnings to average equity (ytd only) | 20.5594% | 174 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5099% | 6,076 |
| Assets per employee ($millions) | 3.1300% | 5,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4326% | 7,113 |
| Loan loss allowance to noncurrent loans | 181.7610% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 0.9124% | 4,695 |
| Noncurrent loans to loans | 0.2380% | 6,217 |
| Net loans and leases to total assets | 84.9944% | 151 |
| Net loans and leases to deposits | 100.9333% | 341 |
| Net loans and leases to core deposits | 133.5656% | 172 |
| Total domestic deposits to total assets | 84.2085% | 4,393 |
| Equity capital to assets | 8.0817% | 6,459 |
| Core capital (leverage) ratio | 8.2123% | 6,009 |
| Tier 1 risk-based capital ratio | 16.3669% | 2,978 |
| Total risk-based capital ratio | 17.1137% | 3,215 |
| Memoranda: | ||
| Average total assets | $77,120,000 | 5,557 |
| Average earning assets | $70,774,000 | 5,536 |
| Average equity | $6,167,500 | 6,104 |
| Average total loans | $65,786,500 | 4,597 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5221% | 176 |
| Cost of funding earning assets | 1.9409% | 122 |
| Net interest margin | 4.5812% | 956 |
| Noninterest income to average assets | 0.4343% | 4,337 |
| Noninterest expense to average assets | 3.6223% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5993% | 4,002 |
| Return on assets (ROA) | 0.6639% | 3,855 |
| Pretax return on assets | 1.0105% | 3,202 |
| Return on Equity (ROE) | 7.9708% | 2,921 |
| Retained earnings to average equity (ytd only) | 7.9708% | 1,092 |
| Net charge-offs to loans | 0.1229% | 5,158 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 9.3134% | 2,004 |
| Efficiency ratio | 79.8775% | 2,317 |
| Assets per employee ($millions) | 3.3039% | 5,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4462% | 7,138 |
| Loan loss allowance to noncurrent loans | 181.7610% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 1.2686% | 4,105 |
| Noncurrent loans to loans | 0.2455% | 6,241 |
| Net loans and leases to total assets | 84.8623% | 171 |
| Net loans and leases to deposits | 104.1054% | 307 |
| Net loans and leases to core deposits | 145.5403% | 150 |
| Total domestic deposits to total assets | 81.5157% | 5,288 |
| Equity capital to assets | 7.9104% | 6,625 |
| Core capital (leverage) ratio | 8.2204% | 5,958 |
| Tier 1 risk-based capital ratio | 15.5004% | 3,321 |
| Total risk-based capital ratio | 16.2450% | 3,599 |
| Memoranda: | ||
| Average total assets | $68,382,000 | 5,797 |
| Average earning assets | $61,207,200 | 5,828 |
| Average equity | $5,695,800 | 6,233 |
| Average total loans | $54,496,000 | 5,095 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1822% | 338 |
| Cost of funding earning assets | 2.0495% | 99 |
| Net interest margin | 4.1328% | 2,341 |
| Noninterest income to average assets | 0.5555% | 3,474 |
| Noninterest expense to average assets | 3.4676% | 2,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5076% | 4,520 |
| Return on assets (ROA) | 0.5977% | 4,277 |
| Pretax return on assets | 0.8945% | 3,785 |
| Return on Equity (ROE) | 7.0735% | 3,491 |
| Retained earnings to average equity (ytd only) | 7.0735% | 1,930 |
| Net charge-offs to loans | 0.1720% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 5.6568% | 2,729 |
| Efficiency ratio | 82.0209% | 1,969 |
| Assets per employee ($millions) | 3.1522% | 5,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4822% | 7,175 |
| Loan loss allowance to noncurrent loans | 174.0964% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.9476% | 3,207 |
| Noncurrent loans to loans | 0.2770% | 6,312 |
| Net loans and leases to total assets | 82.2623% | 333 |
| Net loans and leases to deposits | 99.9397% | 475 |
| Net loans and leases to core deposits | 144.3568% | 159 |
| Total domestic deposits to total assets | 82.3120% | 4,972 |
| Equity capital to assets | 8.0854% | 6,644 |
| Core capital (leverage) ratio | 8.9821% | 4,965 |
| Tier 1 risk-based capital ratio | 15.1694% | 3,567 |
| Total risk-based capital ratio | 15.9174% | 3,836 |
| Memoranda: | ||
| Average total assets | $66,480,250 | 5,899 |
| Average earning assets | $59,071,250 | 5,938 |
| Average equity | $5,617,000 | 6,299 |
| Average total loans | $51,926,250 | 5,230 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0892% | 396 |
| Cost of funding earning assets | 2.1268% | 93 |
| Net interest margin | 3.9624% | 3,024 |
| Noninterest income to average assets | 0.5801% | 3,264 |
| Noninterest expense to average assets | 3.4712% | 2,062 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4157% | 4,871 |
| Return on assets (ROA) | 0.4157% | 5,026 |
| Pretax return on assets | 0.6111% | 4,710 |
| Return on Equity (ROE) | 4.8416% | 4,525 |
| Retained earnings to average equity (ytd only) | 4.8416% | 3,093 |
| Net charge-offs to loans | 0.2599% | 3,590 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 3.0781% | 3,310 |
| Efficiency ratio | 85.0304% | 1,701 |
| Assets per employee ($millions) | 2.9222% | 6,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5779% | 7,164 |
| Loan loss allowance to noncurrent loans | 343.5294% | 927 |
| Noncurrent assets plus other real estate owned to assets | 2.4857% | 2,686 |
| Noncurrent loans to loans | 0.1682% | 6,560 |
| Net loans and leases to total assets | 78.1425% | 759 |
| Net loans and leases to deposits | 112.3895% | 148 |
| Net loans and leases to core deposits | 169.5191% | 102 |
| Total domestic deposits to total assets | 69.5282% | 7,137 |
| Equity capital to assets | 8.7900% | 5,829 |
| Core capital (leverage) ratio | 9.3558% | 4,167 |
| Tier 1 risk-based capital ratio | 16.7593% | 2,623 |
| Total risk-based capital ratio | 17.6183% | 2,764 |
| Memoranda: | ||
| Average total assets | $64,473,330 | 6,002 |
| Average earning assets | $56,986,330 | 6,056 |
| Average equity | $5,535,330 | 6,357 |
| Average total loans | $49,258,330 | 5,386 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1405% | 373 |
| Cost of funding earning assets | 2.1660% | 96 |
| Net interest margin | 3.9745% | 2,803 |
| Noninterest income to average assets | 0.5824% | 3,290 |
| Noninterest expense to average assets | 3.4260% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4399% | 4,766 |
| Return on assets (ROA) | 0.4399% | 4,847 |
| Pretax return on assets | 0.6691% | 4,422 |
| Return on Equity (ROE) | 5.1848% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.1848% | 3,069 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6611% | 1,994 |
| Assets per employee ($millions) | 2.7826% | 6,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 6,862 |
| Loan loss allowance to noncurrent loans | 287.0968% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 2.6642% | 2,578 |
| Noncurrent loans to loans | 0.2890% | 6,410 |
| Net loans and leases to total assets | 69.5139% | 2,218 |
| Net loans and leases to deposits | 93.3387% | 890 |
| Net loans and leases to core deposits | 105.0741% | 993 |
| Total domestic deposits to total assets | 74.4748% | 6,860 |
| Equity capital to assets | 9.0300% | 5,158 |
| Core capital (leverage) ratio | 8.9551% | 4,684 |
| Tier 1 risk-based capital ratio | 17.2552% | 2,388 |
| Total risk-based capital ratio | 18.3455% | 2,413 |
| Memoranda: | ||
| Average total assets | $64,565,500 | 6,042 |
| Average earning assets | $57,064,000 | 6,101 |
| Average equity | $5,477,500 | 6,395 |
| Average total loans | $48,623,000 | 5,451 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8773% | 172 |
| Cost of funding earning assets | 2.2645% | 240 |
| Net interest margin | 4.6128% | 986 |
| Noninterest income to average assets | 0.5204% | 4,022 |
| Noninterest expense to average assets | 3.4223% | 2,374 |
| Loan and lease loss provision to assets | 0.0804% | 6,348 |
| Net operating income to assets | 0.7359% | 3,069 |
| Return on assets (ROA) | 0.9809% | 2,217 |
| Pretax return on assets | 1.4955% | 1,385 |
| Return on Equity (ROE) | 12.9088% | 1,110 |
| Retained earnings to average equity (ytd only) | 12.9088% | 214 |
| Net charge-offs to loans | 0.0171% | 6,648 |
| Credit loss provision to net charge-offs | 611.1111% | 350 |
| Earnings coverage of net charge-offs (x) | 91.5556% | 262 |
| Efficiency ratio | 73.9652% | 3,404 |
| Assets per employee ($millions) | 2.9527% | 6,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6552% | 7,193 |
| Loan loss allowance to noncurrent loans | 150.8475% | 1,980 |
| Noncurrent assets plus other real estate owned to assets | 2.5665% | 2,711 |
| Noncurrent loans to loans | 0.4343% | 6,175 |
| Net loans and leases to total assets | 79.4826% | 733 |
| Net loans and leases to deposits | 109.6978% | 240 |
| Net loans and leases to core deposits | 124.4387% | 418 |
| Total domestic deposits to total assets | 72.4559% | 7,044 |
| Equity capital to assets | 7.9911% | 6,508 |
| Core capital (leverage) ratio | 8.2014% | 5,819 |
| Tier 1 risk-based capital ratio | 14.6870% | 3,430 |
| Total risk-based capital ratio | 15.6269% | 3,584 |
| Memoranda: | ||
| Average total assets | $68,405,200 | 5,923 |
| Average earning assets | $60,896,200 | 5,963 |
| Average equity | $5,198,000 | 6,600 |
| Average total loans | $52,645,600 | 5,371 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5891% | 294 |
| Cost of funding earning assets | 2.2860% | 285 |
| Net interest margin | 4.3031% | 1,843 |
| Noninterest income to average assets | 0.3580% | 5,305 |
| Noninterest expense to average assets | 3.0896% | 3,380 |
| Loan and lease loss provision to assets | 0.0876% | 6,173 |
| Net operating income to assets | 0.6613% | 3,595 |
| Return on assets (ROA) | 0.9825% | 2,408 |
| Pretax return on assets | 1.5059% | 1,597 |
| Return on Equity (ROE) | 13.0977% | 1,230 |
| Retained earnings to average equity (ytd only) | 13.0977% | 337 |
| Net charge-offs to loans | 0.0383% | 6,174 |
| Credit loss provision to net charge-offs | 300.0000% | 1,059 |
| Earnings coverage of net charge-offs (x) | 37.6655% | 721 |
| Efficiency ratio | 73.7575% | 3,371 |
| Assets per employee ($millions) | 3.5146% | 4,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6096% | 7,339 |
| Loan loss allowance to noncurrent loans | 276.4228% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 3.3361% | 2,133 |
| Noncurrent loans to loans | 0.2205% | 6,736 |
| Net loans and leases to total assets | 78.8653% | 907 |
| Net loans and leases to deposits | 106.9161% | 328 |
| Net loans and leases to core deposits | 122.0036% | 555 |
| Total domestic deposits to total assets | 73.7637% | 6,951 |
| Equity capital to assets | 7.6296% | 7,043 |
| Core capital (leverage) ratio | 7.8197% | 6,555 |
| Tier 1 risk-based capital ratio | 14.7113% | 3,385 |
| Total risk-based capital ratio | 15.6381% | 3,545 |
| Memoranda: | ||
| Average total assets | $68,528,250 | 5,990 |
| Average earning assets | $61,008,250 | 6,028 |
| Average equity | $5,140,750 | 6,707 |
| Average total loans | $52,223,250 | 5,471 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1874% | 638 |
| Cost of funding earning assets | 2.3240% | 314 |
| Net interest margin | 3.8634% | 3,619 |
| Noninterest income to average assets | 0.3326% | 5,498 |
| Noninterest expense to average assets | 3.0703% | 3,430 |
| Loan and lease loss provision to assets | 0.0883% | 6,041 |
| Net operating income to assets | 0.4009% | 4,750 |
| Return on assets (ROA) | 0.7212% | 3,463 |
| Pretax return on assets | 1.1245% | 2,693 |
| Return on Equity (ROE) | 9.6710% | 2,223 |
| Retained earnings to average equity (ytd only) | 9.6710% | 923 |
| Net charge-offs to loans | 0.0470% | 5,728 |
| Credit loss provision to net charge-offs | 250.0000% | 1,522 |
| Earnings coverage of net charge-offs (x) | 20.1667% | 1,226 |
| Efficiency ratio | 81.1673% | 2,276 |
| Assets per employee ($millions) | 3.2890% | 5,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5920% | 7,425 |
| Loan loss allowance to noncurrent loans | 25.0956% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 3.9758% | 1,744 |
| Noncurrent loans to loans | 2.3589% | 3,307 |
| Net loans and leases to total assets | 79.7475% | 839 |
| Net loans and leases to deposits | 106.2152% | 383 |
| Net loans and leases to core deposits | 115.0785% | 880 |
| Total domestic deposits to total assets | 75.0811% | 6,844 |
| Equity capital to assets | 7.4593% | 7,136 |
| Core capital (leverage) ratio | 7.6519% | 6,671 |
| Tier 1 risk-based capital ratio | 14.0225% | 3,718 |
| Total risk-based capital ratio | 14.9178% | 3,921 |
| Memoranda: | ||
| Average total assets | $67,940,330 | 6,044 |
| Average earning assets | $60,672,000 | 6,076 |
| Average equity | $5,066,670 | 6,755 |
| Average total loans | $51,039,000 | 5,563 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8565% | 1,310 |
| Cost of funding earning assets | 2.3613% | 345 |
| Net interest margin | 3.4952% | 5,180 |
| Noninterest income to average assets | 0.3206% | 5,584 |
| Noninterest expense to average assets | 3.1999% | 2,865 |
| Loan and lease loss provision to assets | 0.0891% | 5,748 |
| Net operating income to assets | 0.0963% | 6,032 |
| Return on assets (ROA) | 0.4215% | 4,883 |
| Pretax return on assets | 0.6352% | 4,472 |
| Return on Equity (ROE) | 5.6529% | 4,032 |
| Retained earnings to average equity (ytd only) | 5.6529% | 2,782 |
| Net charge-offs to loans | 0.0573% | 4,836 |
| Credit loss provision to net charge-offs | 214.2857% | 1,738 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,370 |
| Efficiency ratio | 93.2526% | 1,184 |
| Assets per employee ($millions) | 3.1388% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6838% | 7,366 |
| Loan loss allowance to noncurrent loans | 72.7689% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 2.1923% | 3,286 |
| Noncurrent loans to loans | 0.9396% | 5,447 |
| Net loans and leases to total assets | 70.0746% | 2,919 |
| Net loans and leases to deposits | 91.1547% | 1,736 |
| Net loans and leases to core deposits | 97.3732% | 2,411 |
| Total domestic deposits to total assets | 76.8744% | 6,583 |
| Equity capital to assets | 7.6312% | 6,976 |
| Core capital (leverage) ratio | 7.5825% | 6,758 |
| Tier 1 risk-based capital ratio | 14.1594% | 3,559 |
| Total risk-based capital ratio | 15.0666% | 3,741 |
| Memoranda: | ||
| Average total assets | $67,376,500 | 6,125 |
| Average earning assets | $59,967,500 | 6,173 |
| Average equity | $5,024,000 | 6,832 |
| Average total loans | $48,854,500 | 5,718 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7967% | 386 |
| Cost of funding earning assets | 3.1098% | 165 |
| Net interest margin | 3.6868% | 4,196 |
| Noninterest income to average assets | 0.2577% | 6,266 |
| Noninterest expense to average assets | 2.8547% | 4,727 |
| Loan and lease loss provision to assets | 0.2380% | 5,471 |
| Net operating income to assets | 0.3372% | 4,385 |
| Return on assets (ROA) | 0.5788% | 3,487 |
| Pretax return on assets | 0.8844% | 2,974 |
| Return on Equity (ROE) | 8.5582% | 2,175 |
| Retained earnings to average equity (ytd only) | 8.5582% | 577 |
| Net charge-offs to loans | 0.1884% | 5,474 |
| Credit loss provision to net charge-offs | 169.0000% | 2,533 |
| Earnings coverage of net charge-offs (x) | 5.3300% | 2,630 |
| Efficiency ratio | 79.1797% | 3,016 |
| Assets per employee ($millions) | 3.4420% | 5,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6054% | 7,545 |
| Loan loss allowance to noncurrent loans | 322.9167% | 988 |
| Noncurrent assets plus other real estate owned to assets | 1.4933% | 4,142 |
| Noncurrent loans to loans | 0.1875% | 6,953 |
| Net loans and leases to total assets | 73.9290% | 2,291 |
| Net loans and leases to deposits | 103.9397% | 650 |
| Net loans and leases to core deposits | 131.2597% | 1,214 |
| Total domestic deposits to total assets | 71.1268% | 7,325 |
| Equity capital to assets | 7.2895% | 7,209 |
| Core capital (leverage) ratio | 7.1623% | 7,099 |
| Tier 1 risk-based capital ratio | 12.0534% | 4,899 |
| Total risk-based capital ratio | 12.8172% | 5,286 |
| Memoranda: | ||
| Average total assets | $71,006,600 | 5,974 |
| Average earning assets | $64,472,800 | 5,978 |
| Average equity | $4,802,400 | 7,022 |
| Average total loans | $53,066,000 | 5,543 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7032% | 508 |
| Cost of funding earning assets | 3.1257% | 227 |
| Net interest margin | 3.5775% | 4,563 |
| Noninterest income to average assets | 0.2572% | 6,393 |
| Noninterest expense to average assets | 2.7263% | 5,209 |
| Loan and lease loss provision to assets | 0.0839% | 6,528 |
| Net operating income to assets | 0.4654% | 4,142 |
| Return on assets (ROA) | 0.7901% | 2,920 |
| Pretax return on assets | 1.2001% | 2,261 |
| Return on Equity (ROE) | 11.9052% | 1,377 |
| Retained earnings to average equity (ytd only) | 11.9052% | 353 |
| Net charge-offs to loans | 0.2341% | 4,590 |
| Credit loss provision to net charge-offs | 47.8723% | 6,343 |
| Earnings coverage of net charge-offs (x) | 4.5213% | 3,111 |
| Efficiency ratio | 77.4894% | 3,239 |
| Assets per employee ($millions) | 3.9052% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3525% | 7,866 |
| Loan loss allowance to noncurrent loans | 127.1523% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 1.4569% | 4,197 |
| Noncurrent loans to loans | 0.2772% | 6,818 |
| Net loans and leases to total assets | 73.1570% | 2,750 |
| Net loans and leases to deposits | 110.6083% | 449 |
| Net loans and leases to core deposits | 154.9513% | 479 |
| Total domestic deposits to total assets | 66.1406% | 7,679 |
| Equity capital to assets | 6.7050% | 7,706 |
| Core capital (leverage) ratio | 6.8869% | 7,497 |
| Tier 1 risk-based capital ratio | 12.1261% | 4,858 |
| Total risk-based capital ratio | 12.6007% | 5,523 |
| Memoranda: | ||
| Average total assets | $71,548,500 | 5,996 |
| Average earning assets | $65,220,500 | 5,992 |
| Average equity | $4,748,500 | 7,094 |
| Average total loans | $53,532,000 | 5,569 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6128% | 647 |
| Cost of funding earning assets | 3.2113% | 256 |
| Net interest margin | 3.4015% | 5,162 |
| Noninterest income to average assets | 0.2321% | 6,622 |
| Noninterest expense to average assets | 2.7114% | 5,343 |
| Loan and lease loss provision to assets | 0.0849% | 6,327 |
| Net operating income to assets | 0.3773% | 4,593 |
| Return on assets (ROA) | 0.8406% | 2,795 |
| Pretax return on assets | 1.2764% | 2,091 |
| Return on Equity (ROE) | 12.7113% | 1,241 |
| Retained earnings to average equity (ytd only) | 12.7113% | 356 |
| Net charge-offs to loans | 0.0601% | 5,660 |
| Credit loss provision to net charge-offs | 187.5000% | 2,434 |
| Earnings coverage of net charge-offs (x) | 14.5625% | 1,641 |
| Efficiency ratio | 80.4366% | 2,971 |
| Assets per employee ($millions) | 3.6124% | 4,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4424% | 7,855 |
| Loan loss allowance to noncurrent loans | 133.5079% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 1.3485% | 4,259 |
| Noncurrent loans to loans | 0.3313% | 6,682 |
| Net loans and leases to total assets | 75.6499% | 2,271 |
| Net loans and leases to deposits | 107.5024% | 675 |
| Net loans and leases to core deposits | 146.6823% | 733 |
| Total domestic deposits to total assets | 70.3704% | 7,433 |
| Equity capital to assets | 6.2286% | 7,889 |
| Core capital (leverage) ratio | 6.6017% | 7,746 |
| Tier 1 risk-based capital ratio | 11.2479% | 5,644 |
| Total risk-based capital ratio | 11.8484% | 6,235 |
| Memoranda: | ||
| Average total assets | $70,665,330 | 6,063 |
| Average earning assets | $65,207,330 | 6,037 |
| Average equity | $4,673,000 | 7,184 |
| Average total loans | $53,218,330 | 5,627 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7794% | 499 |
| Cost of funding earning assets | 3.3102% | 262 |
| Net interest margin | 3.4693% | 4,853 |
| Noninterest income to average assets | 0.2409% | 6,531 |
| Noninterest expense to average assets | 2.7796% | 4,653 |
| Loan and lease loss provision to assets | 0.0881% | 5,836 |
| Net operating income to assets | 0.3780% | 4,954 |
| Return on assets (ROA) | 1.3398% | 1,384 |
| Pretax return on assets | 2.0333% | 629 |
| Return on Equity (ROE) | 19.6256% | 448 |
| Retained earnings to average equity (ytd only) | 19.6256% | 173 |
| Net charge-offs to loans | 0.0392% | 4,952 |
| Credit loss provision to net charge-offs | 300.0000% | 1,603 |
| Earnings coverage of net charge-offs (x) | 22.6000% | 1,310 |
| Efficiency ratio | 80.7167% | 2,705 |
| Assets per employee ($millions) | 3.8214% | 4,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4679% | 7,867 |
| Loan loss allowance to noncurrent loans | 145.0867% | 2,224 |
| Noncurrent assets plus other real estate owned to assets | 1.3043% | 4,066 |
| Noncurrent loans to loans | 0.3225% | 6,635 |
| Net loans and leases to total assets | 73.5380% | 2,880 |
| Net loans and leases to deposits | 103.9361% | 1,011 |
| Net loans and leases to core deposits | 142.7391% | 976 |
| Total domestic deposits to total assets | 70.7531% | 7,355 |
| Equity capital to assets | 6.4843% | 7,875 |
| Core capital (leverage) ratio | 6.9020% | 7,693 |
| Tier 1 risk-based capital ratio | 10.2792% | 6,614 |
| Total risk-based capital ratio | 10.8271% | 7,294 |
| Memoranda: | ||
| Average total assets | $68,068,000 | 6,176 |
| Average earning assets | $62,837,000 | 6,147 |
| Average equity | $4,647,000 | 7,238 |
| Average total loans | $51,006,000 | 5,756 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7979% | 247 |
| Cost of funding earning assets | 3.6624% | 302 |
| Net interest margin | 4.1355% | 2,558 |
| Noninterest income to average assets | 0.3979% | 5,486 |
| Noninterest expense to average assets | 3.1915% | 3,368 |
| Loan and lease loss provision to assets | 0.1372% | 5,601 |
| Net operating income to assets | 0.5739% | 4,420 |
| Return on assets (ROA) | 0.6225% | 4,068 |
| Pretax return on assets | 0.9501% | 3,555 |
| Return on Equity (ROE) | 8.3028% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.3028% | 754 |
| Net charge-offs to loans | 0.1125% | 5,143 |
| Credit loss provision to net charge-offs | 160.0000% | 3,228 |
| Earnings coverage of net charge-offs (x) | 11.8200% | 2,325 |
| Efficiency ratio | 75.8972% | 3,246 |
| Assets per employee ($millions) | 3.0252% | 6,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4983% | 7,853 |
| Loan loss allowance to noncurrent loans | 33.0137% | 6,528 |
| Noncurrent assets plus other real estate owned to assets | 1.4135% | 3,372 |
| Noncurrent loans to loans | 1.5093% | 3,528 |
| Net loans and leases to total assets | 75.7548% | 2,690 |
| Net loans and leases to deposits | 129.6560% | 217 |
| Net loans and leases to core deposits | 150.1154% | 849 |
| Total domestic deposits to total assets | 58.4275% | 8,002 |
| Equity capital to assets | 7.2186% | 7,613 |
| Core capital (leverage) ratio | 7.4534% | 7,257 |
| Tier 1 risk-based capital ratio | 9.9087% | 6,838 |
| Total risk-based capital ratio | 10.4416% | 7,581 |
| Memoranda: | ||
| Average total assets | $58,311,400 | 6,438 |
| Average earning assets | $53,681,000 | 6,428 |
| Average equity | $4,372,000 | 7,366 |
| Average total loans | $44,444,000 | 5,951 |