Home > The East Texas National Bank of Palestine > Performance and Condition Ratios
The East Texas National Bank of Palestine, Performance and Condition Ratios
| 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 | 0.4834% | 6,919 |
| Cost of funding earning assets | 0.0171% | 6,906 |
| Net interest margin | 0.4663% | 6,914 |
| Noninterest income to average assets | 0.1197% | 6,452 |
| Noninterest expense to average assets | 0.5689% | 6,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.0425% | 6,348 |
| Return on assets (ROA) | -0.0425% | 6,399 |
| Pretax return on assets | -0.0631% | 6,404 |
| Return on Equity (ROE) | -0.4444% | 6,410 |
| Retained earnings to average equity (ytd only) | -0.4444% | 5,948 |
| Net charge-offs to loans | -0.0031% | 5,570 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8702% | 330 |
| Assets per employee ($millions) | 3.9285% | 3,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0016% | 6,880 |
| Loan loss allowance to noncurrent loans | 0.1437% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 0.6612% | 4,573 |
| Noncurrent loans to loans | 1.1081% | 3,715 |
| Net loans and leases to total assets | 38.0663% | 6,176 |
| Net loans and leases to deposits | 44.3820% | 6,206 |
| Net loans and leases to core deposits | 45.0460% | 6,282 |
| Total domestic deposits to total assets | 85.7696% | 3,496 |
| Equity capital to assets | 13.9195% | 991 |
| Core capital (leverage) ratio | 6.7353% | 6,666 |
| Tier 1 risk-based capital ratio | 17.1249% | 2,670 |
| Total risk-based capital ratio | 17.1266% | 3,218 |
| Memoranda: | ||
| Average total assets | $155,395,000 | 3,683 |
| Average earning assets | $128,660,670 | 3,930 |
| Average equity | $14,850,670 | 3,976 |
| Average total loans | $64,061,330 | 4,535 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0555% | 6,448 |
| Cost of funding earning assets | 0.1194% | 6,862 |
| Net interest margin | 2.9361% | 5,740 |
| Noninterest income to average assets | 0.8208% | 2,043 |
| Noninterest expense to average assets | 2.6323% | 4,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6056% | 4,186 |
| Return on assets (ROA) | 0.6056% | 4,344 |
| Pretax return on assets | 0.6056% | 4,927 |
| Return on Equity (ROE) | 8.4503% | 2,747 |
| Retained earnings to average equity (ytd only) | 1.0007% | 5,448 |
| Net charge-offs to loans | -0.0309% | 5,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2961% | 2,153 |
| Assets per employee ($millions) | 3.5009% | 4,979 |
| Cash dividends to net income (ytd only)* | 88.1579% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0246% | 5,902 |
| Loan loss allowance to noncurrent loans | 88.5714% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.7506% | 4,495 |
| Noncurrent loans to loans | 1.1569% | 3,847 |
| Net loans and leases to total assets | 41.7719% | 5,861 |
| Net loans and leases to deposits | 45.1130% | 6,111 |
| Net loans and leases to core deposits | 45.7970% | 6,218 |
| Total domestic deposits to total assets | 92.5939% | 163 |
| Equity capital to assets | 7.1782% | 6,680 |
| Core capital (leverage) ratio | 6.6897% | 6,719 |
| Tier 1 risk-based capital ratio | 15.9776% | 3,285 |
| Total risk-based capital ratio | 17.0456% | 3,336 |
| Memoranda: | ||
| Average total assets | $150,593,000 | 3,793 |
| Average earning assets | $123,972,500 | 4,067 |
| Average equity | $10,792,500 | 4,814 |
| Average total loans | $64,687,000 | 4,535 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5542% | 6,292 |
| Cost of funding earning assets | 0.1495% | 6,918 |
| Net interest margin | 3.4047% | 4,866 |
| Noninterest income to average assets | 0.8586% | 1,998 |
| Noninterest expense to average assets | 2.9733% | 3,369 |
| Loan and lease loss provision to assets | 0.2350% | 2,786 |
| Net operating income to assets | 0.5005% | 4,692 |
| Return on assets (ROA) | 0.5005% | 4,940 |
| Pretax return on assets | 0.5005% | 5,278 |
| Return on Equity (ROE) | 6.8614% | 3,721 |
| Retained earnings to average equity (ytd only) | 1.5921% | 5,076 |
| Net charge-offs to loans | 0.4139% | 2,591 |
| Credit loss provision to net charge-offs | 122.3022% | 2,335 |
| Earnings coverage of net charge-offs (x) | 3.8273% | 3,584 |
| Efficiency ratio | 80.1678% | 2,120 |
| Assets per employee ($millions) | 3.4238% | 5,164 |
| Cash dividends to net income (ytd only)* | 76.7956% | 1,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9812% | 6,026 |
| Loan loss allowance to noncurrent loans | 85.9043% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 4,567 |
| Noncurrent loans to loans | 1.1422% | 3,940 |
| Net loans and leases to total assets | 43.2760% | 5,885 |
| Net loans and leases to deposits | 46.7250% | 6,201 |
| Net loans and leases to core deposits | 47.4314% | 6,304 |
| Total domestic deposits to total assets | 92.6185% | 164 |
| Equity capital to assets | 7.1551% | 6,737 |
| Core capital (leverage) ratio | 6.6428% | 6,769 |
| Tier 1 risk-based capital ratio | 15.3919% | 3,492 |
| Total risk-based capital ratio | 16.4157% | 3,572 |
| Memoranda: | ||
| Average total assets | $144,653,400 | 3,869 |
| Average earning assets | $121,096,800 | 4,089 |
| Average equity | $10,551,800 | 4,856 |
| Average total loans | $67,171,000 | 4,456 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6283% | 6,354 |
| Cost of funding earning assets | 0.1558% | 7,024 |
| Net interest margin | 3.4725% | 4,745 |
| Noninterest income to average assets | 0.8541% | 2,007 |
| Noninterest expense to average assets | 2.9850% | 3,288 |
| Loan and lease loss provision to assets | 0.2608% | 2,492 |
| Net operating income to assets | 0.5346% | 4,686 |
| Return on assets (ROA) | 0.5346% | 4,958 |
| Pretax return on assets | 0.5346% | 5,363 |
| Return on Equity (ROE) | 7.2921% | 3,641 |
| Retained earnings to average equity (ytd only) | 0.2287% | 6,011 |
| Net charge-offs to loans | 0.5293% | 2,024 |
| Credit loss provision to net charge-offs | 104.4776% | 2,822 |
| Earnings coverage of net charge-offs (x) | 3.1866% | 3,755 |
| Efficiency ratio | 78.9603% | 2,242 |
| Assets per employee ($millions) | 3.3092% | 5,422 |
| Cash dividends to net income (ytd only)* | 96.8640% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9002% | 6,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3125% | 5,913 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 45.0619% | 5,864 |
| Net loans and leases to deposits | 48.7655% | 6,210 |
| Net loans and leases to core deposits | 49.0660% | 6,343 |
| Total domestic deposits to total assets | 92.4054% | 160 |
| Equity capital to assets | 7.2999% | 6,818 |
| Core capital (leverage) ratio | 6.5916% | 6,867 |
| Tier 1 risk-based capital ratio | 15.0422% | 3,821 |
| Total risk-based capital ratio | 15.9797% | 3,990 |
| Memoranda: | ||
| Average total assets | $143,155,000 | 3,936 |
| Average earning assets | $120,641,000 | 4,139 |
| Average equity | $10,495,000 | 4,916 |
| Average total loans | $67,503,750 | 4,486 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6682% | 6,391 |
| Cost of funding earning assets | 0.1607% | 7,094 |
| Net interest margin | 3.5075% | 4,637 |
| Noninterest income to average assets | 0.8543% | 1,950 |
| Noninterest expense to average assets | 3.0139% | 3,211 |
| Loan and lease loss provision to assets | 0.3091% | 2,135 |
| Net operating income to assets | 0.5058% | 4,792 |
| Return on assets (ROA) | 0.5058% | 5,051 |
| Pretax return on assets | 0.5058% | 5,423 |
| Return on Equity (ROE) | 6.8897% | 3,840 |
| Retained earnings to average equity (ytd only) | 0.3445% | 5,931 |
| Net charge-offs to loans | 0.6918% | 1,603 |
| Credit loss provision to net charge-offs | 93.6170% | 2,938 |
| Earnings coverage of net charge-offs (x) | 2.4681% | 3,769 |
| Efficiency ratio | 78.7156% | 2,363 |
| Assets per employee ($millions) | 3.4739% | 5,036 |
| Cash dividends to net income (ytd only)* | 95.0000% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8448% | 6,578 |
| Loan loss allowance to noncurrent loans | 175.6173% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.4928% | 5,522 |
| Noncurrent loans to loans | 0.4811% | 5,564 |
| Net loans and leases to total assets | 45.7725% | 5,841 |
| Net loans and leases to deposits | 49.4938% | 6,207 |
| Net loans and leases to core deposits | 49.7976% | 6,348 |
| Total domestic deposits to total assets | 92.4813% | 161 |
| Equity capital to assets | 7.2850% | 6,850 |
| Core capital (leverage) ratio | 6.7121% | 6,884 |
| Tier 1 risk-based capital ratio | 14.7562% | 3,929 |
| Total risk-based capital ratio | 15.6343% | 4,147 |
| Memoranda: | ||
| Average total assets | $142,338,670 | 3,963 |
| Average earning assets | $120,711,670 | 4,154 |
| Average equity | $10,450,330 | 4,924 |
| Average total loans | $67,935,670 | 4,491 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7446% | 6,360 |
| Cost of funding earning assets | 0.1766% | 7,138 |
| Net interest margin | 3.5681% | 4,402 |
| Noninterest income to average assets | 0.8794% | 1,832 |
| Noninterest expense to average assets | 3.0507% | 3,080 |
| Loan and lease loss provision to assets | 0.4553% | 1,355 |
| Net operating income to assets | 0.4212% | 5,159 |
| Return on assets (ROA) | 0.4212% | 5,351 |
| Pretax return on assets | 0.4212% | 5,665 |
| Return on Equity (ROE) | 5.7137% | 4,455 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,973 |
| Net charge-offs to loans | 1.1960% | 857 |
| Credit loss provision to net charge-offs | 78.4314% | 2,752 |
| Earnings coverage of net charge-offs (x) | 1.5098% | 3,572 |
| Efficiency ratio | 77.6812% | 2,541 |
| Assets per employee ($millions) | 3.1535% | 5,858 |
| Cash dividends to net income (ytd only)* | 100.0000% | 548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8009% | 6,741 |
| Loan loss allowance to noncurrent loans | 225.9414% | 1,470 |
| Noncurrent assets plus other real estate owned to assets | 0.4468% | 5,744 |
| Noncurrent loans to loans | 0.3545% | 5,965 |
| Net loans and leases to total assets | 47.1309% | 5,663 |
| Net loans and leases to deposits | 51.1150% | 6,059 |
| Net loans and leases to core deposits | 51.4378% | 6,247 |
| Total domestic deposits to total assets | 92.2056% | 225 |
| Equity capital to assets | 7.4773% | 6,789 |
| Core capital (leverage) ratio | 6.9157% | 6,874 |
| Tier 1 risk-based capital ratio | 14.7386% | 3,935 |
| Total risk-based capital ratio | 15.5725% | 4,199 |
| Memoranda: | ||
| Average total assets | $140,557,000 | 4,020 |
| Average earning assets | $120,065,000 | 4,194 |
| Average equity | $10,361,000 | 4,953 |
| Average total loans | $68,227,500 | 4,512 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0616% | 6,338 |
| Cost of funding earning assets | 0.1939% | 7,244 |
| Net interest margin | 3.8678% | 3,478 |
| Noninterest income to average assets | 0.9239% | 1,593 |
| Noninterest expense to average assets | 3.2146% | 2,812 |
| Loan and lease loss provision to assets | 0.0441% | 6,026 |
| Net operating income to assets | 1.0208% | 2,128 |
| Return on assets (ROA) | 1.0208% | 2,270 |
| Pretax return on assets | 1.0208% | 3,163 |
| Return on Equity (ROE) | 13.9817% | 934 |
| Retained earnings to average equity (ytd only) | 3.3596% | 3,828 |
| Net charge-offs to loans | 0.0806% | 5,515 |
| Credit loss provision to net charge-offs | 113.2075% | 2,909 |
| Earnings coverage of net charge-offs (x) | 27.3585% | 911 |
| Efficiency ratio | 75.1158% | 3,045 |
| Assets per employee ($millions) | 3.3144% | 5,466 |
| Cash dividends to net income (ytd only)* | 75.9712% | 906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8460% | 6,654 |
| Loan loss allowance to noncurrent loans | 122.4319% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 5,393 |
| Noncurrent loans to loans | 0.6910% | 5,320 |
| Net loans and leases to total assets | 49.1706% | 5,699 |
| Net loans and leases to deposits | 53.1590% | 6,128 |
| Net loans and leases to core deposits | 53.6271% | 6,326 |
| Total domestic deposits to total assets | 92.4974% | 183 |
| Equity capital to assets | 7.2634% | 6,887 |
| Core capital (leverage) ratio | 6.5960% | 6,961 |
| Tier 1 risk-based capital ratio | 13.7591% | 4,511 |
| Total risk-based capital ratio | 14.6476% | 4,744 |
| Memoranda: | ||
| Average total assets | $136,162,000 | 4,053 |
| Average earning assets | $118,129,400 | 4,178 |
| Average equity | $9,941,600 | 5,037 |
| Average total loans | $65,729,000 | 4,642 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1061% | 6,401 |
| Cost of funding earning assets | 0.1947% | 7,333 |
| Net interest margin | 3.9113% | 3,332 |
| Noninterest income to average assets | 0.9246% | 1,565 |
| Noninterest expense to average assets | 3.3431% | 2,366 |
| Loan and lease loss provision to assets | 0.0443% | 5,884 |
| Net operating income to assets | 0.9394% | 2,574 |
| Return on assets (ROA) | 0.9394% | 2,738 |
| Pretax return on assets | 0.9394% | 3,622 |
| Return on Equity (ROE) | 12.8492% | 1,318 |
| Retained earnings to average equity (ytd only) | 3.3268% | 4,355 |
| Net charge-offs to loans | 0.0514% | 5,467 |
| Credit loss provision to net charge-offs | 180.0000% | 1,651 |
| Earnings coverage of net charge-offs (x) | 39.9631% | 772 |
| Efficiency ratio | 77.2645% | 2,644 |
| Assets per employee ($millions) | 3.0048% | 6,109 |
| Cash dividends to net income (ytd only)* | 74.1087% | 766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8946% | 6,614 |
| Loan loss allowance to noncurrent loans | 14,925.0000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 6,316 |
| Noncurrent loans to loans | 0.0060% | 6,953 |
| Net loans and leases to total assets | 47.8502% | 5,974 |
| Net loans and leases to deposits | 51.8189% | 6,380 |
| Net loans and leases to core deposits | 52.2785% | 6,549 |
| Total domestic deposits to total assets | 92.3411% | 176 |
| Equity capital to assets | 7.2523% | 7,003 |
| Core capital (leverage) ratio | 6.6398% | 7,045 |
| Tier 1 risk-based capital ratio | 14.2987% | 4,127 |
| Total risk-based capital ratio | 15.2517% | 4,324 |
| Memoranda: | ||
| Average total assets | $135,401,250 | 4,089 |
| Average earning assets | $117,774,500 | 4,207 |
| Average equity | $9,899,250 | 5,060 |
| Average total loans | $64,903,250 | 4,716 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1420% | 6,400 |
| Cost of funding earning assets | 0.1969% | 7,417 |
| Net interest margin | 3.9451% | 3,105 |
| Noninterest income to average assets | 0.9281% | 1,542 |
| Noninterest expense to average assets | 3.3839% | 2,306 |
| Loan and lease loss provision to assets | 0.0446% | 5,753 |
| Net operating income to assets | 0.9267% | 2,532 |
| Return on assets (ROA) | 0.9267% | 2,638 |
| Pretax return on assets | 0.9267% | 3,526 |
| Return on Equity (ROE) | 12.6399% | 1,295 |
| Retained earnings to average equity (ytd only) | 3.3679% | 4,119 |
| Net charge-offs to loans | 0.0933% | 4,742 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | 21.7667% | 1,142 |
| Efficiency ratio | 77.6981% | 2,761 |
| Assets per employee ($millions) | 3.1091% | 5,857 |
| Cash dividends to net income (ytd only)* | 73.3547% | 957 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8497% | 6,772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2931% | 6,400 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 49.2167% | 5,920 |
| Net loans and leases to deposits | 53.3173% | 6,361 |
| Net loans and leases to core deposits | 53.7944% | 6,574 |
| Total domestic deposits to total assets | 92.3092% | 183 |
| Equity capital to assets | 7.2683% | 7,035 |
| Core capital (leverage) ratio | 6.5052% | 7,123 |
| Tier 1 risk-based capital ratio | 14.1252% | 4,080 |
| Total risk-based capital ratio | 15.0434% | 4,283 |
| Memoranda: | ||
| Average total assets | $134,462,000 | 4,133 |
| Average earning assets | $116,803,330 | 4,258 |
| Average equity | $9,857,670 | 5,087 |
| Average total loans | $64,292,670 | 4,778 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1689% | 6,354 |
| Cost of funding earning assets | 0.1945% | 7,481 |
| Net interest margin | 3.9743% | 2,805 |
| Noninterest income to average assets | 0.9483% | 1,481 |
| Noninterest expense to average assets | 3.3790% | 2,331 |
| Loan and lease loss provision to assets | 0.0450% | 5,437 |
| Net operating income to assets | 0.9573% | 2,322 |
| Return on assets (ROA) | 0.9573% | 2,390 |
| Pretax return on assets | 0.9573% | 3,292 |
| Return on Equity (ROE) | 13.0005% | 1,199 |
| Retained earnings to average equity (ytd only) | 3.0973% | 4,311 |
| Net charge-offs to loans | 0.2176% | 3,214 |
| Credit loss provision to net charge-offs | 44.1176% | 3,865 |
| Earnings coverage of net charge-offs (x) | 9.8235% | 1,686 |
| Efficiency ratio | 77.1233% | 2,969 |
| Assets per employee ($millions) | 2.8626% | 6,419 |
| Cash dividends to net income (ytd only)* | 76.1755% | 914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 6,725 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2875% | 6,471 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 45.2713% | 6,354 |
| Net loans and leases to deposits | 49.2039% | 6,670 |
| Net loans and leases to core deposits | 49.6429% | 6,792 |
| Total domestic deposits to total assets | 92.0077% | 284 |
| Equity capital to assets | 7.1707% | 7,029 |
| Core capital (leverage) ratio | 6.7262% | 7,106 |
| Tier 1 risk-based capital ratio | 14.5669% | 3,695 |
| Total risk-based capital ratio | 15.4920% | 3,879 |
| Memoranda: | ||
| Average total assets | $133,293,500 | 4,188 |
| Average earning assets | $115,138,500 | 4,320 |
| Average equity | $9,815,000 | 5,091 |
| Average total loans | $62,486,500 | 4,886 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4484% | 6,521 |
| Cost of funding earning assets | 0.2205% | 7,543 |
| Net interest margin | 4.2278% | 2,065 |
| Noninterest income to average assets | 1.0178% | 1,448 |
| Noninterest expense to average assets | 3.5246% | 2,109 |
| Loan and lease loss provision to assets | 0.0470% | 6,693 |
| Net operating income to assets | 1.0389% | 1,915 |
| Return on assets (ROA) | 1.0389% | 2,019 |
| Pretax return on assets | 1.0389% | 2,813 |
| Return on Equity (ROE) | 13.8032% | 924 |
| Retained earnings to average equity (ytd only) | 3.1773% | 3,642 |
| Net charge-offs to loans | 0.0778% | 6,038 |
| Credit loss provision to net charge-offs | 136.3636% | 2,815 |
| Earnings coverage of net charge-offs (x) | 31.4773% | 702 |
| Efficiency ratio | 76.4456% | 2,977 |
| Assets per employee ($millions) | 2.8707% | 6,399 |
| Cash dividends to net income (ytd only)* | 76.9811% | 954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 6,643 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3058% | 6,478 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 47.7102% | 6,421 |
| Net loans and leases to deposits | 51.9588% | 6,747 |
| Net loans and leases to core deposits | 52.3170% | 6,891 |
| Total domestic deposits to total assets | 91.8230% | 319 |
| Equity capital to assets | 7.5685% | 6,842 |
| Core capital (leverage) ratio | 6.7514% | 7,128 |
| Tier 1 risk-based capital ratio | 14.7315% | 3,408 |
| Total risk-based capital ratio | 15.7074% | 3,531 |
| Memoranda: | ||
| Average total assets | $127,533,800 | 4,325 |
| Average earning assets | $108,376,600 | 4,504 |
| Average equity | $9,599,200 | 5,236 |
| Average total loans | $56,527,200 | 5,211 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 6,659 |
| Cost of funding earning assets | 0.2264% | 7,666 |
| Net interest margin | 4.2490% | 2,039 |
| Noninterest income to average assets | 1.0310% | 1,366 |
| Noninterest expense to average assets | 3.6825% | 1,607 |
| Loan and lease loss provision to assets | 0.0472% | 6,614 |
| Net operating income to assets | 0.8831% | 2,683 |
| Return on assets (ROA) | 0.8831% | 2,822 |
| Pretax return on assets | 0.8831% | 3,617 |
| Return on Equity (ROE) | 11.7495% | 1,570 |
| Retained earnings to average equity (ytd only) | 2.3024% | 4,784 |
| Net charge-offs to loans | 0.0411% | 6,133 |
| Credit loss provision to net charge-offs | 264.7059% | 1,244 |
| Earnings coverage of net charge-offs (x) | 52.1676% | 552 |
| Efficiency ratio | 79.8317% | 2,359 |
| Assets per employee ($millions) | 2.6350% | 6,873 |
| Cash dividends to net income (ytd only)* | 80.4033% | 643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0242% | 6,288 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 6,600 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 45.0017% | 6,775 |
| Net loans and leases to deposits | 48.9740% | 7,045 |
| Net loans and leases to core deposits | 48.9740% | 7,161 |
| Total domestic deposits to total assets | 91.8890% | 210 |
| Equity capital to assets | 7.6193% | 7,046 |
| Core capital (leverage) ratio | 6.7109% | 7,285 |
| Tier 1 risk-based capital ratio | 15.4484% | 3,029 |
| Total risk-based capital ratio | 16.5101% | 3,088 |
| Memoranda: | ||
| Average total assets | $127,122,250 | 4,390 |
| Average earning assets | $107,159,000 | 4,593 |
| Average equity | $9,554,750 | 5,328 |
| Average total loans | $55,106,750 | 5,339 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5077% | 6,693 |
| Cost of funding earning assets | 0.2277% | 7,739 |
| Net interest margin | 4.2800% | 1,852 |
| Noninterest income to average assets | 1.0461% | 1,234 |
| Noninterest expense to average assets | 3.7115% | 1,539 |
| Loan and lease loss provision to assets | 0.0471% | 6,496 |
| Net operating income to assets | 0.8890% | 2,589 |
| Return on assets (ROA) | 0.8890% | 2,713 |
| Pretax return on assets | 0.8890% | 3,543 |
| Return on Equity (ROE) | 11.8816% | 1,482 |
| Retained earnings to average equity (ytd only) | 2.3931% | 4,636 |
| Net charge-offs to loans | 0.0368% | 5,842 |
| Credit loss provision to net charge-offs | 300.0000% | 1,219 |
| Earnings coverage of net charge-offs (x) | 59.6000% | 518 |
| Efficiency ratio | 79.8581% | 2,460 |
| Assets per employee ($millions) | 2.8328% | 6,499 |
| Cash dividends to net income (ytd only)* | 79.8587% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 6,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3377% | 6,579 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 41.2793% | 7,078 |
| Net loans and leases to deposits | 44.7643% | 7,298 |
| Net loans and leases to core deposits | 44.7643% | 7,387 |
| Total domestic deposits to total assets | 92.2147% | 188 |
| Equity capital to assets | 7.3563% | 7,192 |
| Core capital (leverage) ratio | 6.5654% | 7,363 |
| Tier 1 risk-based capital ratio | 15.9305% | 2,703 |
| Total risk-based capital ratio | 17.0151% | 2,737 |
| Memoranda: | ||
| Average total assets | $127,335,670 | 4,417 |
| Average earning assets | $107,150,000 | 4,620 |
| Average equity | $9,527,330 | 5,334 |
| Average total loans | $54,306,330 | 5,407 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4798% | 6,825 |
| Cost of funding earning assets | 0.2240% | 7,847 |
| Net interest margin | 4.2558% | 1,836 |
| Noninterest income to average assets | 1.0521% | 1,148 |
| Noninterest expense to average assets | 3.7728% | 1,365 |
| Loan and lease loss provision to assets | 0.0477% | 6,187 |
| Net operating income to assets | 0.9154% | 2,488 |
| Return on assets (ROA) | 0.9154% | 2,555 |
| Pretax return on assets | 0.9154% | 3,409 |
| Return on Equity (ROE) | 12.1289% | 1,460 |
| Retained earnings to average equity (ytd only) | 2.1899% | 4,818 |
| Net charge-offs to loans | -0.0074% | 6,849 |
| Credit loss provision to net charge-offs | -1,500.0000% | 6,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6644% | 2,621 |
| Assets per employee ($millions) | 2.6803% | 6,899 |
| Cash dividends to net income (ytd only)* | 81.9444% | 811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 6,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3136% | 6,691 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 42.7996% | 7,075 |
| Net loans and leases to deposits | 46.5761% | 7,304 |
| Net loans and leases to core deposits | 46.9031% | 7,399 |
| Total domestic deposits to total assets | 91.8919% | 263 |
| Equity capital to assets | 7.5604% | 7,023 |
| Core capital (leverage) ratio | 6.8714% | 7,316 |
| Tier 1 risk-based capital ratio | 15.3195% | 2,958 |
| Total risk-based capital ratio | 16.3648% | 3,017 |
| Memoranda: | ||
| Average total assets | $125,848,500 | 4,503 |
| Average earning assets | $108,933,000 | 4,636 |
| Average equity | $9,498,000 | 5,388 |
| Average total loans | $54,273,500 | 5,479 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8299% | 6,882 |
| Cost of funding earning assets | 0.2871% | 7,909 |
| Net interest margin | 4.5428% | 1,093 |
| Noninterest income to average assets | 1.0361% | 1,451 |
| Noninterest expense to average assets | 3.8077% | 1,685 |
| Loan and lease loss provision to assets | 0.0288% | 7,233 |
| Net operating income to assets | 1.1336% | 1,432 |
| Return on assets (ROA) | 1.1336% | 1,458 |
| Pretax return on assets | 1.1336% | 2,147 |
| Return on Equity (ROE) | 15.0129% | 667 |
| Retained earnings to average equity (ytd only) | 0.5082% | 4,624 |
| Net charge-offs to loans | 0.0956% | 6,179 |
| Credit loss provision to net charge-offs | 70.5882% | 6,478 |
| Earnings coverage of net charge-offs (x) | 28.5098% | 801 |
| Efficiency ratio | 76.6125% | 3,422 |
| Assets per employee ($millions) | 2.5658% | 7,098 |
| Cash dividends to net income (ytd only)* | 96.6150% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0379% | 6,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3142% | 6,653 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 42.5480% | 7,219 |
| Net loans and leases to deposits | 46.3866% | 7,423 |
| Net loans and leases to core deposits | 48.9809% | 7,611 |
| Total domestic deposits to total assets | 91.7247% | 324 |
| Equity capital to assets | 7.5340% | 7,002 |
| Core capital (leverage) ratio | 6.7735% | 7,380 |
| Tier 1 risk-based capital ratio | 15.2621% | 2,819 |
| Total risk-based capital ratio | 16.2808% | 2,874 |
| Memoranda: | ||
| Average total assets | $125,087,200 | 4,442 |
| Average earning assets | $108,325,000 | 4,621 |
| Average equity | $9,445,200 | 5,465 |
| Average total loans | $53,366,400 | 5,532 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8683% | 6,961 |
| Cost of funding earning assets | 0.3015% | 8,004 |
| Net interest margin | 4.5668% | 1,044 |
| Noninterest income to average assets | 0.9925% | 1,634 |
| Noninterest expense to average assets | 3.8112% | 1,573 |
| Loan and lease loss provision to assets | 0.0288% | 7,059 |
| Net operating income to assets | 1.0971% | 1,741 |
| Return on assets (ROA) | 1.0971% | 1,799 |
| Pretax return on assets | 1.0971% | 2,584 |
| Return on Equity (ROE) | 14.5217% | 835 |
| Retained earnings to average equity (ytd only) | 0.3814% | 5,038 |
| Net charge-offs to loans | 0.2155% | 4,684 |
| Credit loss provision to net charge-offs | 31.3953% | 6,496 |
| Earnings coverage of net charge-offs (x) | 12.2678% | 1,776 |
| Efficiency ratio | 77.1941% | 3,287 |
| Assets per employee ($millions) | 2.5257% | 7,188 |
| Cash dividends to net income (ytd only)* | 97.3735% | 612 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 6,530 |
| Loan loss allowance to noncurrent loans | 211.0204% | 1,405 |
| Noncurrent assets plus other real estate owned to assets | 0.5171% | 6,171 |
| Noncurrent loans to loans | 0.4511% | 6,419 |
| Net loans and leases to total assets | 43.4620% | 7,279 |
| Net loans and leases to deposits | 47.4552% | 7,520 |
| Net loans and leases to core deposits | 50.2955% | 7,679 |
| Total domestic deposits to total assets | 91.5854% | 246 |
| Equity capital to assets | 7.6365% | 7,200 |
| Core capital (leverage) ratio | 6.7941% | 7,545 |
| Tier 1 risk-based capital ratio | 14.4577% | 3,301 |
| Total risk-based capital ratio | 15.3492% | 3,432 |
| Memoranda: | ||
| Average total assets | $124,928,000 | 4,479 |
| Average earning assets | $107,907,250 | 4,653 |
| Average equity | $9,438,500 | 5,507 |
| Average total loans | $53,194,500 | 5,585 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 7,092 |
| Cost of funding earning assets | 0.3220% | 8,095 |
| Net interest margin | 4.5506% | 1,055 |
| Noninterest income to average assets | 0.9687% | 1,695 |
| Noninterest expense to average assets | 3.7712% | 1,699 |
| Loan and lease loss provision to assets | 0.0287% | 6,958 |
| Net operating income to assets | 1.0932% | 1,796 |
| Return on assets (ROA) | 1.0932% | 1,871 |
| Pretax return on assets | 1.0932% | 2,664 |
| Return on Equity (ROE) | 14.5214% | 904 |
| Retained earnings to average equity (ytd only) | 0.3604% | 5,077 |
| Net charge-offs to loans | 0.2650% | 3,867 |
| Credit loss provision to net charge-offs | 25.7143% | 6,069 |
| Earnings coverage of net charge-offs (x) | 10.0429% | 2,043 |
| Efficiency ratio | 77.0711% | 3,497 |
| Assets per employee ($millions) | 2.5046% | 7,236 |
| Cash dividends to net income (ytd only)* | 97.5182% | 750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 6,378 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3430% | 6,593 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 43.1364% | 7,382 |
| Net loans and leases to deposits | 47.1958% | 7,586 |
| Net loans and leases to core deposits | 50.2525% | 7,759 |
| Total domestic deposits to total assets | 91.3988% | 342 |
| Equity capital to assets | 7.6927% | 7,084 |
| Core capital (leverage) ratio | 6.6907% | 7,705 |
| Tier 1 risk-based capital ratio | 12.7133% | 4,351 |
| Total risk-based capital ratio | 13.5087% | 4,625 |
| Memoranda: | ||
| Average total assets | $125,317,000 | 4,500 |
| Average earning assets | $108,073,000 | 4,676 |
| Average equity | $9,434,330 | 5,530 |
| Average total loans | $52,824,000 | 5,643 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8969% | 7,186 |
| Cost of funding earning assets | 0.3514% | 8,147 |
| Net interest margin | 4.5455% | 1,043 |
| Noninterest income to average assets | 0.9636% | 1,593 |
| Noninterest expense to average assets | 3.7153% | 1,622 |
| Loan and lease loss provision to assets | 0.0316% | 6,537 |
| Net operating income to assets | 1.0994% | 1,967 |
| Return on assets (ROA) | 1.0994% | 2,091 |
| Pretax return on assets | 1.0994% | 2,989 |
| Return on Equity (ROE) | 14.7598% | 1,024 |
| Retained earnings to average equity (ytd only) | 0.5938% | 5,417 |
| Net charge-offs to loans | 0.2133% | 3,358 |
| Credit loss provision to net charge-offs | 35.7143% | 4,877 |
| Earnings coverage of net charge-offs (x) | 12.7857% | 1,774 |
| Efficiency ratio | 76.6623% | 3,375 |
| Assets per employee ($millions) | 2.8129% | 6,609 |
| Cash dividends to net income (ytd only)* | 95.9770% | 817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0634% | 5,730 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3254% | 6,534 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 40.0516% | 7,564 |
| Net loans and leases to deposits | 43.6122% | 7,740 |
| Net loans and leases to core deposits | 46.5897% | 7,856 |
| Total domestic deposits to total assets | 91.8357% | 205 |
| Equity capital to assets | 7.2941% | 7,498 |
| Core capital (leverage) ratio | 6.8188% | 7,756 |
| Tier 1 risk-based capital ratio | 12.2326% | 4,766 |
| Total risk-based capital ratio | 13.0465% | 5,045 |
| Memoranda: | ||
| Average total assets | $126,612,000 | 4,477 |
| Average earning assets | $108,150,000 | 4,684 |
| Average equity | $9,431,000 | 5,555 |
| Average total loans | $52,504,000 | 5,692 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9833% | 5,627 |
| Cost of funding earning assets | 0.6542% | 8,164 |
| Net interest margin | 5.3291% | 270 |
| Noninterest income to average assets | 1.1073% | 1,281 |
| Noninterest expense to average assets | 3.8597% | 1,641 |
| Loan and lease loss provision to assets | 0.0502% | 6,785 |
| Net operating income to assets | 1.7279% | 639 |
| Return on assets (ROA) | 1.7279% | 612 |
| Pretax return on assets | 1.7279% | 1,086 |
| Return on Equity (ROE) | 21.9121% | 259 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.0672% | 5,818 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 59.0556% | 678 |
| Efficiency ratio | 68.4617% | 4,638 |
| Assets per employee ($millions) | 2.5272% | 7,156 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0945% | 5,322 |
| Loan loss allowance to noncurrent loans | 900.0000% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.2511% | 6,571 |
| Noncurrent loans to loans | 0.1216% | 7,047 |
| Net loans and leases to total assets | 42.0339% | 7,584 |
| Net loans and leases to deposits | 45.7073% | 7,792 |
| Net loans and leases to core deposits | 49.2553% | 7,900 |
| Total domestic deposits to total assets | 91.9632% | 139 |
| Equity capital to assets | 7.6104% | 7,294 |
| Core capital (leverage) ratio | 6.7490% | 7,837 |
| Tier 1 risk-based capital ratio | 14.4773% | 3,306 |
| Total risk-based capital ratio | 15.4751% | 3,355 |
| Memoranda: | ||
| Average total assets | $119,569,400 | 4,537 |
| Average earning assets | $101,648,800 | 4,762 |
| Average equity | $9,428,600 | 5,592 |
| Average total loans | $53,579,400 | 5,543 |