Home > The Home State Bank > Performance and Condition Ratios
The Home State Bank, Performance and Condition Ratios
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4786% | 4,925 |
| Cost of funding earning assets | 0.2448% | 4,710 |
| Net interest margin | 3.2338% | 4,429 |
| Noninterest income to average assets | 1.0851% | 956 |
| Noninterest expense to average assets | 2.5987% | 3,726 |
| Loan and lease loss provision to assets | -0.0899% | 5,870 |
| Net operating income to assets | 1.6790% | 602 |
| Return on assets (ROA) | 1.7048% | 606 |
| Pretax return on assets | 1.7048% | 1,079 |
| Return on Equity (ROE) | 18.3293% | 338 |
| Retained earnings to average equity (ytd only) | 13.1039% | 230 |
| Net charge-offs to loans | -0.1783% | 5,789 |
| Credit loss provision to net charge-offs | 100.0000% | 2,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0536% | 4,340 |
| Assets per employee ($millions) | 4.6307% | 2,823 |
| Cash dividends to net income (ytd only)* | 28.5085% | 2,895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8470% | 987 |
| Loan loss allowance to noncurrent loans | 2,620.0627% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.1048% | 5,093 |
| Noncurrent loans to loans | 0.0705% | 5,165 |
| Net loans and leases to total assets | 50.2175% | 4,827 |
| Net loans and leases to deposits | 59.1533% | 4,845 |
| Net loans and leases to core deposits | 61.0170% | 4,932 |
| Total domestic deposits to total assets | 84.8937% | 2,926 |
| Equity capital to assets | 9.9387% | 4,303 |
| Core capital (leverage) ratio | 9.0459% | 4,775 |
| Tier 1 risk-based capital ratio | 14.1002% | 3,549 |
| Total risk-based capital ratio | 15.3531% | 3,461 |
| Memoranda: | ||
| Average total assets | $878,602,670 | 825 |
| Average earning assets | $842,972,670 | 782 |
| Average equity | $81,716,000 | 974 |
| Average total loans | $443,125,000 | 1,100 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5094% | 4,871 |
| Cost of funding earning assets | 0.2482% | 4,728 |
| Net interest margin | 3.2613% | 4,355 |
| Noninterest income to average assets | 0.7875% | 1,667 |
| Noninterest expense to average assets | 2.8083% | 3,038 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1068% | 1,872 |
| Return on assets (ROA) | 1.1420% | 1,861 |
| Pretax return on assets | 1.1420% | 2,925 |
| Return on Equity (ROE) | 12.7190% | 1,099 |
| Retained earnings to average equity (ytd only) | 7.6518% | 1,608 |
| Net charge-offs to loans | -0.1086% | 5,670 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7303% | 2,838 |
| Assets per employee ($millions) | 4.4831% | 3,099 |
| Cash dividends to net income (ytd only)* | 39.8400% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 886 |
| Loan loss allowance to noncurrent loans | 2,632.6087% | 249 |
| Noncurrent assets plus other real estate owned to assets | 0.1064% | 5,152 |
| Noncurrent loans to loans | 0.0743% | 5,181 |
| Net loans and leases to total assets | 48.5901% | 4,923 |
| Net loans and leases to deposits | 55.8665% | 4,997 |
| Net loans and leases to core deposits | 57.6085% | 5,069 |
| Total domestic deposits to total assets | 86.9753% | 2,222 |
| Equity capital to assets | 9.3393% | 4,853 |
| Core capital (leverage) ratio | 8.7004% | 5,173 |
| Tier 1 risk-based capital ratio | 13.8270% | 3,793 |
| Total risk-based capital ratio | 15.0807% | 3,732 |
| Memoranda: | ||
| Average total assets | $875,676,500 | 829 |
| Average earning assets | $839,799,000 | 788 |
| Average equity | $78,622,500 | 1,013 |
| Average total loans | $438,433,000 | 1,106 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5265% | 4,851 |
| Cost of funding earning assets | 0.2426% | 4,857 |
| Net interest margin | 3.2839% | 4,360 |
| Noninterest income to average assets | 0.8044% | 1,772 |
| Noninterest expense to average assets | 2.7116% | 3,542 |
| Loan and lease loss provision to assets | -0.1116% | 5,869 |
| Net operating income to assets | 1.3445% | 1,167 |
| Return on assets (ROA) | 1.3671% | 1,155 |
| Pretax return on assets | 1.3671% | 2,038 |
| Return on Equity (ROE) | 15.8283% | 574 |
| Retained earnings to average equity (ytd only) | 8.7498% | 718 |
| Net charge-offs to loans | -0.1255% | 5,840 |
| Credit loss provision to net charge-offs | 171.7902% | 1,572 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7431% | 3,445 |
| Assets per employee ($millions) | 4.5449% | 2,972 |
| Cash dividends to net income (ytd only)* | 44.7203% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8841% | 984 |
| Loan loss allowance to noncurrent loans | 2,555.9633% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.1066% | 5,172 |
| Noncurrent loans to loans | 0.0737% | 5,209 |
| Net loans and leases to total assets | 49.6215% | 4,904 |
| Net loans and leases to deposits | 59.4128% | 4,814 |
| Net loans and leases to core deposits | 61.2610% | 4,910 |
| Total domestic deposits to total assets | 83.5198% | 3,660 |
| Equity capital to assets | 8.6189% | 5,452 |
| Core capital (leverage) ratio | 8.5189% | 5,405 |
| Tier 1 risk-based capital ratio | 13.1426% | 4,209 |
| Total risk-based capital ratio | 14.3954% | 4,127 |
| Memoranda: | ||
| Average total assets | $851,370,400 | 813 |
| Average earning assets | $814,128,600 | 767 |
| Average equity | $73,532,800 | 1,041 |
| Average total loans | $440,780,200 | 1,040 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5278% | 4,923 |
| Cost of funding earning assets | 0.2427% | 4,964 |
| Net interest margin | 3.2851% | 4,417 |
| Noninterest income to average assets | 0.8150% | 1,750 |
| Noninterest expense to average assets | 2.7393% | 3,429 |
| Loan and lease loss provision to assets | -0.1499% | 6,059 |
| Net operating income to assets | 1.3661% | 1,194 |
| Return on assets (ROA) | 1.3828% | 1,203 |
| Pretax return on assets | 1.3828% | 2,088 |
| Return on Equity (ROE) | 16.0016% | 593 |
| Retained earnings to average equity (ytd only) | 11.8090% | 392 |
| Net charge-offs to loans | -0.1403% | 5,905 |
| Credit loss provision to net charge-offs | 205.1836% | 1,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2532% | 3,333 |
| Assets per employee ($millions) | 4.6633% | 2,749 |
| Cash dividends to net income (ytd only)* | 26.2011% | 2,992 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 1,162 |
| Loan loss allowance to noncurrent loans | 2,130.9278% | 312 |
| Noncurrent assets plus other real estate owned to assets | 0.1261% | 5,248 |
| Noncurrent loans to loans | 0.0871% | 5,282 |
| Net loans and leases to total assets | 50.6817% | 4,875 |
| Net loans and leases to deposits | 60.5589% | 4,814 |
| Net loans and leases to core deposits | 62.4478% | 4,909 |
| Total domestic deposits to total assets | 83.6899% | 3,543 |
| Equity capital to assets | 9.0030% | 5,302 |
| Core capital (leverage) ratio | 8.7004% | 5,353 |
| Tier 1 risk-based capital ratio | 13.7191% | 4,010 |
| Total risk-based capital ratio | 14.9725% | 3,941 |
| Memoranda: | ||
| Average total assets | $844,923,500 | 824 |
| Average earning assets | $807,704,750 | 777 |
| Average equity | $73,015,750 | 1,050 |
| Average total loans | $440,071,000 | 1,043 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5224% | 4,928 |
| Cost of funding earning assets | 0.2404% | 5,049 |
| Net interest margin | 3.2820% | 4,366 |
| Noninterest income to average assets | 0.7895% | 1,822 |
| Noninterest expense to average assets | 2.7511% | 3,408 |
| Loan and lease loss provision to assets | 0.0596% | 2,908 |
| Net operating income to assets | 1.1130% | 1,899 |
| Return on assets (ROA) | 1.1249% | 1,945 |
| Pretax return on assets | 1.1249% | 3,075 |
| Return on Equity (ROE) | 13.2065% | 1,074 |
| Retained earnings to average equity (ytd only) | 9.9350% | 680 |
| Net charge-offs to loans | -0.1625% | 5,958 |
| Credit loss provision to net charge-offs | -70.2247% | 4,851 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1154% | 3,307 |
| Assets per employee ($millions) | 4.4801% | 3,015 |
| Cash dividends to net income (ytd only)* | 24.7722% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0778% | 882 |
| Loan loss allowance to noncurrent loans | 1,991.7021% | 295 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 5,226 |
| Noncurrent loans to loans | 0.1043% | 5,329 |
| Net loans and leases to total assets | 51.2871% | 4,818 |
| Net loans and leases to deposits | 62.6499% | 4,648 |
| Net loans and leases to core deposits | 64.6157% | 4,765 |
| Total domestic deposits to total assets | 81.8630% | 4,340 |
| Equity capital to assets | 8.4021% | 5,759 |
| Core capital (leverage) ratio | 8.3989% | 5,636 |
| Tier 1 risk-based capital ratio | 12.8389% | 4,601 |
| Total risk-based capital ratio | 14.0014% | 4,569 |
| Memoranda: | ||
| Average total assets | $838,996,670 | 836 |
| Average earning assets | $801,225,670 | 788 |
| Average equity | $71,464,670 | 1,072 |
| Average total loans | $438,261,000 | 1,053 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5103% | 4,932 |
| Cost of funding earning assets | 0.2374% | 5,150 |
| Net interest margin | 3.2730% | 4,336 |
| Noninterest income to average assets | 0.7928% | 1,739 |
| Noninterest expense to average assets | 2.7687% | 3,349 |
| Loan and lease loss provision to assets | 0.0604% | 2,721 |
| Net operating income to assets | 1.0864% | 1,916 |
| Return on assets (ROA) | 1.0830% | 2,042 |
| Pretax return on assets | 1.0830% | 3,147 |
| Return on Equity (ROE) | 12.6259% | 1,182 |
| Retained earnings to average equity (ytd only) | 7.8694% | 1,617 |
| Net charge-offs to loans | -0.3110% | 6,155 |
| Credit loss provision to net charge-offs | -37.2024% | 4,373 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7116% | 3,366 |
| Assets per employee ($millions) | 4.2943% | 3,382 |
| Cash dividends to net income (ytd only)* | 37.6728% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 894 |
| Loan loss allowance to noncurrent loans | 1,657.5540% | 361 |
| Noncurrent assets plus other real estate owned to assets | 0.2066% | 5,129 |
| Noncurrent loans to loans | 0.1280% | 5,316 |
| Net loans and leases to total assets | 50.7762% | 4,771 |
| Net loans and leases to deposits | 60.3564% | 4,718 |
| Net loans and leases to core deposits | 62.0285% | 4,837 |
| Total domestic deposits to total assets | 84.1273% | 3,771 |
| Equity capital to assets | 8.6163% | 5,645 |
| Core capital (leverage) ratio | 8.4126% | 5,617 |
| Tier 1 risk-based capital ratio | 12.7936% | 4,726 |
| Total risk-based capital ratio | 14.0492% | 4,644 |
| Memoranda: | ||
| Average total assets | $828,407,500 | 851 |
| Average earning assets | $790,349,500 | 807 |
| Average equity | $71,060,500 | 1,085 |
| Average total loans | $432,131,500 | 1,063 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 5,193 |
| Cost of funding earning assets | 0.2622% | 5,197 |
| Net interest margin | 3.2970% | 4,575 |
| Noninterest income to average assets | 0.8577% | 1,647 |
| Noninterest expense to average assets | 2.7145% | 3,817 |
| Loan and lease loss provision to assets | 0.1267% | 2,069 |
| Net operating income to assets | 1.1464% | 1,790 |
| Return on assets (ROA) | 1.1442% | 1,862 |
| Pretax return on assets | 1.1442% | 2,901 |
| Return on Equity (ROE) | 13.4533% | 1,051 |
| Retained earnings to average equity (ytd only) | 7.3002% | 1,274 |
| Net charge-offs to loans | 0.1112% | 2,923 |
| Credit loss provision to net charge-offs | 210.5263% | 1,174 |
| Earnings coverage of net charge-offs (x) | 21.1516% | 1,691 |
| Efficiency ratio | 68.0733% | 3,892 |
| Assets per employee ($millions) | 4.2022% | 3,541 |
| Cash dividends to net income (ytd only)* | 45.7364% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0367% | 1,047 |
| Loan loss allowance to noncurrent loans | 1,432.8969% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.2178% | 5,151 |
| Noncurrent loans to loans | 0.1421% | 5,325 |
| Net loans and leases to total assets | 51.3894% | 4,842 |
| Net loans and leases to deposits | 61.2290% | 4,789 |
| Net loans and leases to core deposits | 63.1079% | 4,909 |
| Total domestic deposits to total assets | 83.9298% | 3,747 |
| Equity capital to assets | 8.5387% | 5,713 |
| Core capital (leverage) ratio | 8.4360% | 5,627 |
| Tier 1 risk-based capital ratio | 13.5161% | 4,403 |
| Total risk-based capital ratio | 14.7721% | 4,340 |
| Memoranda: | ||
| Average total assets | $789,167,400 | 860 |
| Average earning assets | $749,171,800 | 820 |
| Average equity | $67,121,200 | 1,103 |
| Average total loans | $427,046,800 | 1,030 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5633% | 5,233 |
| Cost of funding earning assets | 0.2643% | 5,264 |
| Net interest margin | 3.2991% | 4,608 |
| Noninterest income to average assets | 0.9224% | 1,444 |
| Noninterest expense to average assets | 2.7318% | 3,705 |
| Loan and lease loss provision to assets | 0.1281% | 1,954 |
| Net operating income to assets | 1.1909% | 1,704 |
| Return on assets (ROA) | 1.1880% | 1,795 |
| Pretax return on assets | 1.1880% | 2,833 |
| Return on Equity (ROE) | 13.9816% | 989 |
| Retained earnings to average equity (ytd only) | 9.9140% | 734 |
| Net charge-offs to loans | 0.1770% | 2,033 |
| Credit loss provision to net charge-offs | 132.6855% | 1,749 |
| Earnings coverage of net charge-offs (x) | 13.6607% | 2,206 |
| Efficiency ratio | 67.4387% | 3,948 |
| Assets per employee ($millions) | 4.0703% | 3,734 |
| Cash dividends to net income (ytd only)* | 29.0925% | 2,848 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 1,380 |
| Loan loss allowance to noncurrent loans | 563.2530% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.3632% | 4,836 |
| Noncurrent loans to loans | 0.3436% | 4,868 |
| Net loans and leases to total assets | 52.6483% | 4,735 |
| Net loans and leases to deposits | 63.0642% | 4,630 |
| Net loans and leases to core deposits | 65.0337% | 4,796 |
| Total domestic deposits to total assets | 83.4836% | 3,954 |
| Equity capital to assets | 8.5007% | 5,797 |
| Core capital (leverage) ratio | 8.4985% | 5,660 |
| Tier 1 risk-based capital ratio | 13.5788% | 4,486 |
| Total risk-based capital ratio | 14.8341% | 4,427 |
| Memoranda: | ||
| Average total assets | $781,601,750 | 870 |
| Average earning assets | $741,164,250 | 835 |
| Average equity | $66,409,250 | 1,112 |
| Average total loans | $426,344,750 | 1,033 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5390% | 5,311 |
| Cost of funding earning assets | 0.2677% | 5,309 |
| Net interest margin | 3.2713% | 4,698 |
| Noninterest income to average assets | 0.8768% | 1,569 |
| Noninterest expense to average assets | 2.7624% | 3,651 |
| Loan and lease loss provision to assets | 0.1295% | 1,904 |
| Net operating income to assets | 1.0840% | 1,994 |
| Return on assets (ROA) | 1.0840% | 2,057 |
| Pretax return on assets | 1.0840% | 3,164 |
| Return on Equity (ROE) | 12.7602% | 1,241 |
| Retained earnings to average equity (ytd only) | 9.9917% | 716 |
| Net charge-offs to loans | 0.1233% | 2,440 |
| Credit loss provision to net charge-offs | 191.5709% | 1,215 |
| Earnings coverage of net charge-offs (x) | 17.9502% | 1,705 |
| Efficiency ratio | 69.4788% | 3,745 |
| Assets per employee ($millions) | 4.0555% | 3,724 |
| Cash dividends to net income (ytd only)* | 21.6965% | 3,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9388% | 1,483 |
| Loan loss allowance to noncurrent loans | 236.1026% | 1,859 |
| Noncurrent assets plus other real estate owned to assets | 0.6549% | 4,018 |
| Noncurrent loans to loans | 0.8212% | 3,653 |
| Net loans and leases to total assets | 53.3447% | 4,613 |
| Net loans and leases to deposits | 64.4245% | 4,452 |
| Net loans and leases to core deposits | 66.5064% | 4,591 |
| Total domestic deposits to total assets | 82.8019% | 4,383 |
| Equity capital to assets | 8.4394% | 5,848 |
| Core capital (leverage) ratio | 8.4562% | 5,678 |
| Tier 1 risk-based capital ratio | 13.1383% | 4,826 |
| Total risk-based capital ratio | 14.3937% | 4,756 |
| Memoranda: | ||
| Average total assets | $772,142,000 | 878 |
| Average earning assets | $731,502,670 | 843 |
| Average equity | $65,594,330 | 1,114 |
| Average total loans | $423,507,670 | 1,032 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5430% | 5,321 |
| Cost of funding earning assets | 0.2719% | 5,370 |
| Net interest margin | 3.2711% | 4,665 |
| Noninterest income to average assets | 0.8796% | 1,454 |
| Noninterest expense to average assets | 2.8513% | 3,375 |
| Loan and lease loss provision to assets | 0.1327% | 1,827 |
| Net operating income to assets | 0.9927% | 2,234 |
| Return on assets (ROA) | 0.9927% | 2,293 |
| Pretax return on assets | 0.9927% | 3,350 |
| Return on Equity (ROE) | 11.6452% | 1,508 |
| Retained earnings to average equity (ytd only) | 9.0470% | 1,233 |
| Net charge-offs to loans | 0.4280% | 851 |
| Credit loss provision to net charge-offs | 56.2780% | 2,143 |
| Earnings coverage of net charge-offs (x) | 4.7735% | 2,478 |
| Efficiency ratio | 71.7001% | 3,542 |
| Assets per employee ($millions) | 3.9087% | 4,133 |
| Cash dividends to net income (ytd only)* | 22.3110% | 2,481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9156% | 1,707 |
| Loan loss allowance to noncurrent loans | 208.7555% | 2,015 |
| Noncurrent assets plus other real estate owned to assets | 0.7134% | 3,977 |
| Noncurrent loans to loans | 0.9176% | 3,587 |
| Net loans and leases to total assets | 53.1588% | 4,532 |
| Net loans and leases to deposits | 62.3461% | 4,513 |
| Net loans and leases to core deposits | 64.4283% | 4,657 |
| Total domestic deposits to total assets | 85.2640% | 3,733 |
| Equity capital to assets | 8.5734% | 5,576 |
| Core capital (leverage) ratio | 8.5250% | 5,608 |
| Tier 1 risk-based capital ratio | 13.1779% | 4,908 |
| Total risk-based capital ratio | 14.4120% | 4,847 |
| Memoranda: | ||
| Average total assets | $756,715,500 | 902 |
| Average earning assets | $716,454,000 | 866 |
| Average equity | $64,507,500 | 1,132 |
| Average total loans | $416,849,500 | 1,052 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6782% | 5,200 |
| Cost of funding earning assets | 0.3045% | 5,558 |
| Net interest margin | 3.3737% | 4,391 |
| Noninterest income to average assets | 0.9223% | 1,602 |
| Noninterest expense to average assets | 2.9040% | 3,362 |
| Loan and lease loss provision to assets | 0.1400% | 2,558 |
| Net operating income to assets | 1.0554% | 2,091 |
| Return on assets (ROA) | 1.0950% | 2,023 |
| Pretax return on assets | 1.0950% | 2,967 |
| Return on Equity (ROE) | 12.5195% | 1,273 |
| Retained earnings to average equity (ytd only) | 8.8696% | 800 |
| Net charge-offs to loans | 0.0599% | 4,380 |
| Credit loss provision to net charge-offs | 421.9409% | 543 |
| Earnings coverage of net charge-offs (x) | 36.0380% | 1,037 |
| Efficiency ratio | 70.8399% | 3,693 |
| Assets per employee ($millions) | 3.7923% | 4,279 |
| Cash dividends to net income (ytd only)* | 29.1539% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9867% | 1,586 |
| Loan loss allowance to noncurrent loans | 211.4051% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 1.0381% | 3,348 |
| Noncurrent loans to loans | 0.9398% | 3,637 |
| Net loans and leases to total assets | 54.9048% | 4,475 |
| Net loans and leases to deposits | 62.5516% | 4,669 |
| Net loans and leases to core deposits | 64.7800% | 4,802 |
| Total domestic deposits to total assets | 87.7753% | 2,322 |
| Equity capital to assets | 8.4737% | 5,609 |
| Core capital (leverage) ratio | 8.5649% | 5,593 |
| Tier 1 risk-based capital ratio | 13.3720% | 4,735 |
| Total risk-based capital ratio | 14.6282% | 4,677 |
| Memoranda: | ||
| Average total assets | $714,501,800 | 925 |
| Average earning assets | $672,855,600 | 900 |
| Average equity | $62,494,600 | 1,153 |
| Average total loans | $395,487,000 | 1,087 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6955% | 5,181 |
| Cost of funding earning assets | 0.3101% | 5,644 |
| Net interest margin | 3.3854% | 4,333 |
| Noninterest income to average assets | 1.0448% | 1,334 |
| Noninterest expense to average assets | 2.9085% | 3,277 |
| Loan and lease loss provision to assets | 0.1412% | 2,525 |
| Net operating income to assets | 1.1786% | 1,702 |
| Return on assets (ROA) | 1.2244% | 1,624 |
| Pretax return on assets | 1.2244% | 2,602 |
| Return on Equity (ROE) | 13.8854% | 1,017 |
| Retained earnings to average equity (ytd only) | 11.8444% | 440 |
| Net charge-offs to loans | 0.0522% | 4,159 |
| Credit loss provision to net charge-offs | 490.1961% | 556 |
| Earnings coverage of net charge-offs (x) | 45.8246% | 916 |
| Efficiency ratio | 68.7859% | 3,949 |
| Assets per employee ($millions) | 3.7497% | 4,350 |
| Cash dividends to net income (ytd only)* | 14.6986% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9667% | 1,806 |
| Loan loss allowance to noncurrent loans | 211.0704% | 1,900 |
| Noncurrent assets plus other real estate owned to assets | 1.1026% | 3,451 |
| Noncurrent loans to loans | 0.9318% | 3,952 |
| Net loans and leases to total assets | 55.2646% | 4,421 |
| Net loans and leases to deposits | 64.3005% | 4,487 |
| Net loans and leases to core deposits | 66.6884% | 4,652 |
| Total domestic deposits to total assets | 85.9473% | 3,290 |
| Equity capital to assets | 8.5067% | 5,731 |
| Core capital (leverage) ratio | 8.6348% | 5,617 |
| Tier 1 risk-based capital ratio | 13.5640% | 4,717 |
| Total risk-based capital ratio | 14.8202% | 4,673 |
| Memoranda: | ||
| Average total assets | $708,251,500 | 941 |
| Average earning assets | $666,020,250 | 909 |
| Average equity | $62,452,500 | 1,162 |
| Average total loans | $390,795,500 | 1,098 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6149% | 5,388 |
| Cost of funding earning assets | 0.3137% | 5,726 |
| Net interest margin | 3.3012% | 4,578 |
| Noninterest income to average assets | 1.0897% | 1,288 |
| Noninterest expense to average assets | 2.9795% | 3,061 |
| Loan and lease loss provision to assets | 0.1425% | 2,550 |
| Net operating income to assets | 1.0743% | 2,017 |
| Return on assets (ROA) | 1.1891% | 1,728 |
| Pretax return on assets | 1.1891% | 2,723 |
| Return on Equity (ROE) | 13.3231% | 1,166 |
| Retained earnings to average equity (ytd only) | 11.9056% | 512 |
| Net charge-offs to loans | 0.0853% | 3,510 |
| Credit loss provision to net charge-offs | 304.8780% | 847 |
| Earnings coverage of net charge-offs (x) | 26.0366% | 1,253 |
| Efficiency ratio | 71.0037% | 3,643 |
| Assets per employee ($millions) | 3.6801% | 4,440 |
| Cash dividends to net income (ytd only)* | 10.6398% | 3,291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9011% | 2,109 |
| Loan loss allowance to noncurrent loans | 215.8783% | 1,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0954% | 3,541 |
| Noncurrent loans to loans | 0.8806% | 4,162 |
| Net loans and leases to total assets | 55.2640% | 4,406 |
| Net loans and leases to deposits | 66.3157% | 4,227 |
| Net loans and leases to core deposits | 68.7502% | 4,425 |
| Total domestic deposits to total assets | 83.3347% | 4,577 |
| Equity capital to assets | 8.3266% | 5,944 |
| Core capital (leverage) ratio | 8.4765% | 5,697 |
| Tier 1 risk-based capital ratio | 13.1650% | 5,022 |
| Total risk-based capital ratio | 14.4204% | 4,954 |
| Memoranda: | ||
| Average total assets | $701,855,000 | 948 |
| Average earning assets | $660,492,670 | 919 |
| Average equity | $62,643,000 | 1,165 |
| Average total loans | $384,366,670 | 1,109 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6058% | 5,436 |
| Cost of funding earning assets | 0.3185% | 5,816 |
| Net interest margin | 3.2873% | 4,564 |
| Noninterest income to average assets | 1.1783% | 1,081 |
| Noninterest expense to average assets | 3.0794% | 2,736 |
| Loan and lease loss provision to assets | 0.1453% | 2,425 |
| Net operating income to assets | 1.0418% | 2,066 |
| Return on assets (ROA) | 1.1243% | 1,881 |
| Pretax return on assets | 1.1243% | 2,865 |
| Return on Equity (ROE) | 12.1645% | 1,378 |
| Retained earnings to average equity (ytd only) | 12.1645% | 681 |
| Net charge-offs to loans | 0.1250% | 2,672 |
| Credit loss provision to net charge-offs | 215.5172% | 1,027 |
| Earnings coverage of net charge-offs (x) | 17.6121% | 1,304 |
| Efficiency ratio | 72.1776% | 3,577 |
| Assets per employee ($millions) | 3.5866% | 4,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0030% | 2,037 |
| Loan loss allowance to noncurrent loans | 219.9942% | 1,728 |
| Noncurrent assets plus other real estate owned to assets | 1.1360% | 3,672 |
| Noncurrent loans to loans | 0.9105% | 4,314 |
| Net loans and leases to total assets | 53.1864% | 4,533 |
| Net loans and leases to deposits | 60.8749% | 4,700 |
| Net loans and leases to core deposits | 63.0352% | 4,841 |
| Total domestic deposits to total assets | 87.3700% | 2,712 |
| Equity capital to assets | 9.1933% | 5,262 |
| Core capital (leverage) ratio | 8.6314% | 5,418 |
| Tier 1 risk-based capital ratio | 13.7591% | 4,690 |
| Total risk-based capital ratio | 15.0155% | 4,646 |
| Memoranda: | ||
| Average total assets | $688,450,500 | 976 |
| Average earning assets | $646,737,500 | 943 |
| Average equity | $63,628,000 | 1,163 |
| Average total loans | $371,303,500 | 1,148 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9494% | 5,444 |
| Cost of funding earning assets | 0.4017% | 5,906 |
| Net interest margin | 3.5476% | 4,311 |
| Noninterest income to average assets | 0.8434% | 2,069 |
| Noninterest expense to average assets | 3.0502% | 3,092 |
| Loan and lease loss provision to assets | 0.0835% | 4,658 |
| Net operating income to assets | 1.0250% | 2,231 |
| Return on assets (ROA) | 1.0294% | 2,417 |
| Pretax return on assets | 1.0294% | 3,439 |
| Return on Equity (ROE) | 10.8941% | 1,838 |
| Retained earnings to average equity (ytd only) | 8.8065% | 880 |
| Net charge-offs to loans | 0.4714% | 2,351 |
| Credit loss provision to net charge-offs | 33.0418% | 5,062 |
| Earnings coverage of net charge-offs (x) | 4.3873% | 3,382 |
| Efficiency ratio | 73.3455% | 3,184 |
| Assets per employee ($millions) | 3.6038% | 4,773 |
| Cash dividends to net income (ytd only)* | 19.1630% | 3,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0571% | 1,867 |
| Loan loss allowance to noncurrent loans | 148.7353% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6780% | 2,880 |
| Noncurrent loans to loans | 1.3831% | 3,527 |
| Net loans and leases to total assets | 52.4797% | 4,850 |
| Net loans and leases to deposits | 59.7211% | 5,054 |
| Net loans and leases to core deposits | 61.6420% | 5,194 |
| Total domestic deposits to total assets | 87.8746% | 2,307 |
| Equity capital to assets | 9.2927% | 5,163 |
| Core capital (leverage) ratio | 8.7383% | 5,265 |
| Tier 1 risk-based capital ratio | 13.7877% | 4,543 |
| Total risk-based capital ratio | 15.0448% | 4,489 |
| Memoranda: | ||
| Average total assets | $633,653,800 | 1,044 |
| Average earning assets | $592,169,600 | 1,022 |
| Average equity | $59,876,400 | 1,187 |
| Average total loans | $339,650,800 | 1,244 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0315% | 5,430 |
| Cost of funding earning assets | 0.4204% | 5,981 |
| Net interest margin | 3.6111% | 4,187 |
| Noninterest income to average assets | 0.8854% | 1,887 |
| Noninterest expense to average assets | 3.0786% | 2,951 |
| Loan and lease loss provision to assets | 0.0597% | 4,977 |
| Net operating income to assets | 1.1201% | 2,023 |
| Return on assets (ROA) | 1.1205% | 2,218 |
| Pretax return on assets | 1.1205% | 3,271 |
| Return on Equity (ROE) | 11.8046% | 1,699 |
| Retained earnings to average equity (ytd only) | 11.8046% | 561 |
| Net charge-offs to loans | 0.4298% | 2,379 |
| Credit loss provision to net charge-offs | 25.9294% | 4,862 |
| Earnings coverage of net charge-offs (x) | 5.1208% | 3,106 |
| Efficiency ratio | 72.2949% | 3,268 |
| Assets per employee ($millions) | 3.5202% | 4,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2321% | 1,646 |
| Loan loss allowance to noncurrent loans | 106.1129% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 2.2275% | 2,395 |
| Noncurrent loans to loans | 2.1035% | 2,728 |
| Net loans and leases to total assets | 52.3539% | 4,999 |
| Net loans and leases to deposits | 59.5775% | 5,252 |
| Net loans and leases to core deposits | 61.5049% | 5,405 |
| Total domestic deposits to total assets | 87.8752% | 2,116 |
| Equity capital to assets | 9.7576% | 4,838 |
| Core capital (leverage) ratio | 8.9204% | 5,165 |
| Tier 1 risk-based capital ratio | 14.4256% | 4,234 |
| Total risk-based capital ratio | 15.6844% | 4,196 |
| Memoranda: | ||
| Average total assets | $622,687,000 | 1,069 |
| Average earning assets | $581,638,750 | 1,046 |
| Average equity | $59,105,500 | 1,205 |
| Average total loans | $333,806,250 | 1,273 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0867% | 5,365 |
| Cost of funding earning assets | 0.4465% | 5,992 |
| Net interest margin | 3.6402% | 4,077 |
| Noninterest income to average assets | 0.7875% | 2,245 |
| Noninterest expense to average assets | 3.1618% | 2,716 |
| Loan and lease loss provision to assets | 0.0908% | 4,434 |
| Net operating income to assets | 0.9324% | 2,750 |
| Return on assets (ROA) | 0.9330% | 3,015 |
| Pretax return on assets | 0.9330% | 3,954 |
| Return on Equity (ROE) | 9.9273% | 2,388 |
| Retained earnings to average equity (ytd only) | 9.9273% | 996 |
| Net charge-offs to loans | 0.6198% | 1,774 |
| Credit loss provision to net charge-offs | 27.3262% | 4,477 |
| Earnings coverage of net charge-offs (x) | 3.0784% | 3,515 |
| Efficiency ratio | 75.5504% | 2,818 |
| Assets per employee ($millions) | 3.4122% | 5,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3292% | 1,536 |
| Loan loss allowance to noncurrent loans | 92.4034% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 2.5831% | 2,152 |
| Noncurrent loans to loans | 2.5207% | 2,394 |
| Net loans and leases to total assets | 52.0760% | 5,087 |
| Net loans and leases to deposits | 59.4393% | 5,298 |
| Net loans and leases to core deposits | 61.4989% | 5,434 |
| Total domestic deposits to total assets | 87.6121% | 2,391 |
| Equity capital to assets | 9.5405% | 5,003 |
| Core capital (leverage) ratio | 8.8313% | 5,165 |
| Tier 1 risk-based capital ratio | 14.2392% | 4,275 |
| Total risk-based capital ratio | 15.4990% | 4,237 |
| Memoranda: | ||
| Average total assets | $614,341,670 | 1,084 |
| Average earning assets | $573,373,670 | 1,054 |
| Average equity | $57,740,000 | 1,228 |
| Average total loans | $329,458,330 | 1,288 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1201% | 5,383 |
| Cost of funding earning assets | 0.4678% | 6,030 |
| Net interest margin | 3.6522% | 4,041 |
| Noninterest income to average assets | 0.8038% | 2,151 |
| Noninterest expense to average assets | 3.2384% | 2,477 |
| Loan and lease loss provision to assets | 0.1837% | 3,139 |
| Net operating income to assets | 0.7893% | 3,427 |
| Return on assets (ROA) | 0.7893% | 3,673 |
| Pretax return on assets | 0.7893% | 4,457 |
| Return on Equity (ROE) | 8.4645% | 3,073 |
| Retained earnings to average equity (ytd only) | 8.4645% | 1,792 |
| Net charge-offs to loans | 0.5471% | 1,721 |
| Credit loss provision to net charge-offs | 62.4161% | 3,068 |
| Earnings coverage of net charge-offs (x) | 3.3065% | 2,886 |
| Efficiency ratio | 76.8954% | 2,667 |
| Assets per employee ($millions) | 3.3668% | 5,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5297% | 1,312 |
| Loan loss allowance to noncurrent loans | 71.7555% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 3.2534% | 1,775 |
| Noncurrent loans to loans | 3.5255% | 1,766 |
| Net loans and leases to total assets | 52.3491% | 4,970 |
| Net loans and leases to deposits | 59.5305% | 5,209 |
| Net loans and leases to core deposits | 61.5404% | 5,377 |
| Total domestic deposits to total assets | 87.9367% | 2,365 |
| Equity capital to assets | 9.2737% | 5,130 |
| Core capital (leverage) ratio | 8.6699% | 5,351 |
| Tier 1 risk-based capital ratio | 13.9865% | 4,481 |
| Total risk-based capital ratio | 15.2485% | 4,434 |
| Memoranda: | ||
| Average total assets | $607,592,500 | 1,095 |
| Average earning assets | $566,885,500 | 1,076 |
| Average equity | $56,660,500 | 1,258 |
| Average total loans | $326,812,000 | 1,299 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 5,698 |
| Cost of funding earning assets | 0.5942% | 6,115 |
| Net interest margin | 3.7262% | 4,172 |
| Noninterest income to average assets | 0.5811% | 3,288 |
| Noninterest expense to average assets | 3.2392% | 2,731 |
| Loan and lease loss provision to assets | 0.7827% | 1,271 |
| Net operating income to assets | 0.0246% | 5,996 |
| Return on assets (ROA) | 0.1913% | 5,744 |
| Pretax return on assets | 0.1951% | 5,801 |
| Return on Equity (ROE) | 2.0422% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.0422% | 4,758 |
| Net charge-offs to loans | 1.3579% | 1,217 |
| Credit loss provision to net charge-offs | 99.9780% | 3,576 |
| Earnings coverage of net charge-offs (x) | 1.0317% | 5,020 |
| Efficiency ratio | 80.0417% | 2,293 |
| Assets per employee ($millions) | 3.3282% | 5,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6459% | 1,135 |
| Loan loss allowance to noncurrent loans | 52.3994% | 4,895 |
| Noncurrent assets plus other real estate owned to assets | 4.3700% | 1,263 |
| Noncurrent loans to loans | 5.0496% | 1,114 |
| Net loans and leases to total assets | 52.4451% | 5,244 |
| Net loans and leases to deposits | 59.8093% | 5,507 |
| Net loans and leases to core deposits | 62.1630% | 5,637 |
| Total domestic deposits to total assets | 87.6872% | 2,344 |
| Equity capital to assets | 9.3786% | 5,047 |
| Core capital (leverage) ratio | 8.5717% | 5,440 |
| Tier 1 risk-based capital ratio | 13.9914% | 4,331 |
| Total risk-based capital ratio | 15.2533% | 4,279 |
| Memoranda: | ||
| Average total assets | $580,795,000 | 1,132 |
| Average earning assets | $540,207,800 | 1,105 |
| Average equity | $54,402,200 | 1,249 |
| Average total loans | $334,863,600 | 1,270 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 5,791 |
| Cost of funding earning assets | 0.6210% | 6,179 |
| Net interest margin | 3.7255% | 4,223 |
| Noninterest income to average assets | 0.5743% | 3,341 |
| Noninterest expense to average assets | 3.2658% | 2,617 |
| Loan and lease loss provision to assets | 0.7974% | 1,171 |
| Net operating income to assets | -0.0255% | 6,189 |
| Return on assets (ROA) | 0.1962% | 5,841 |
| Pretax return on assets | 0.2020% | 5,893 |
| Return on Equity (ROE) | 2.0955% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.0955% | 5,092 |
| Net charge-offs to loans | 1.2157% | 1,285 |
| Credit loss provision to net charge-offs | 111.8468% | 2,929 |
| Earnings coverage of net charge-offs (x) | 1.0811% | 4,823 |
| Efficiency ratio | 80.9057% | 2,121 |
| Assets per employee ($millions) | 3.2783% | 5,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5849% | 1,288 |
| Loan loss allowance to noncurrent loans | 52.6643% | 4,846 |
| Noncurrent assets plus other real estate owned to assets | 4.7481% | 1,241 |
| Noncurrent loans to loans | 4.9082% | 1,282 |
| Net loans and leases to total assets | 56.8723% | 4,702 |
| Net loans and leases to deposits | 65.4393% | 4,983 |
| Net loans and leases to core deposits | 68.0471% | 5,174 |
| Total domestic deposits to total assets | 86.9086% | 2,709 |
| Equity capital to assets | 9.5609% | 4,990 |
| Core capital (leverage) ratio | 8.7533% | 5,333 |
| Tier 1 risk-based capital ratio | 13.2868% | 4,882 |
| Total risk-based capital ratio | 14.5392% | 4,860 |
| Memoranda: | ||
| Average total assets | $576,226,750 | 1,152 |
| Average earning assets | $535,502,000 | 1,126 |
| Average equity | $53,956,750 | 1,259 |
| Average total loans | $337,899,250 | 1,265 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3108% | 5,989 |
| Cost of funding earning assets | 0.6374% | 6,288 |
| Net interest margin | 3.6734% | 4,389 |
| Noninterest income to average assets | 0.4349% | 4,388 |
| Noninterest expense to average assets | 3.3040% | 2,547 |
| Loan and lease loss provision to assets | 0.6809% | 1,407 |
| Net operating income to assets | -0.1307% | 6,390 |
| Return on assets (ROA) | 0.1760% | 5,912 |
| Pretax return on assets | 0.1833% | 5,962 |
| Return on Equity (ROE) | 1.8932% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.8932% | 5,032 |
| Net charge-offs to loans | 1.3083% | 1,170 |
| Credit loss provision to net charge-offs | 88.6157% | 3,499 |
| Earnings coverage of net charge-offs (x) | 0.7090% | 4,765 |
| Efficiency ratio | 85.8455% | 1,613 |
| Assets per employee ($millions) | 3.2613% | 5,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4529% | 1,520 |
| Loan loss allowance to noncurrent loans | 43.7167% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 5.3483% | 1,119 |
| Noncurrent loans to loans | 5.6110% | 1,114 |
| Net loans and leases to total assets | 56.7895% | 4,852 |
| Net loans and leases to deposits | 65.1370% | 5,121 |
| Net loans and leases to core deposits | 67.4704% | 5,344 |
| Total domestic deposits to total assets | 87.1847% | 2,634 |
| Equity capital to assets | 9.3441% | 5,087 |
| Core capital (leverage) ratio | 8.8569% | 4,949 |
| Tier 1 risk-based capital ratio | 13.4207% | 4,593 |
| Total risk-based capital ratio | 14.6825% | 4,568 |
| Memoranda: | ||
| Average total assets | $571,605,670 | 1,171 |
| Average earning assets | $531,226,670 | 1,146 |
| Average equity | $53,136,330 | 1,264 |
| Average total loans | $335,698,000 | 1,287 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3394% | 5,887 |
| Cost of funding earning assets | 0.6521% | 6,373 |
| Net interest margin | 3.6873% | 4,171 |
| Noninterest income to average assets | 0.5515% | 3,501 |
| Noninterest expense to average assets | 3.4023% | 2,276 |
| Loan and lease loss provision to assets | 0.8083% | 1,042 |
| Net operating income to assets | -0.1957% | 6,556 |
| Return on assets (ROA) | 0.0804% | 6,198 |
| Pretax return on assets | 0.0952% | 6,177 |
| Return on Equity (ROE) | 0.8672% | 6,172 |
| Retained earnings to average equity (ytd only) | 0.8672% | 5,481 |
| Net charge-offs to loans | 2.5131% | 455 |
| Credit loss provision to net charge-offs | 54.5195% | 3,664 |
| Earnings coverage of net charge-offs (x) | 0.3877% | 4,330 |
| Efficiency ratio | 85.5471% | 1,768 |
| Assets per employee ($millions) | 3.1767% | 5,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2908% | 1,780 |
| Loan loss allowance to noncurrent loans | 42.1568% | 5,488 |
| Noncurrent assets plus other real estate owned to assets | 5.4588% | 1,112 |
| Noncurrent loans to loans | 5.4340% | 1,207 |
| Net loans and leases to total assets | 56.8877% | 4,829 |
| Net loans and leases to deposits | 65.5068% | 5,044 |
| Net loans and leases to core deposits | 68.0151% | 5,284 |
| Total domestic deposits to total assets | 86.8425% | 3,027 |
| Equity capital to assets | 9.3093% | 4,711 |
| Core capital (leverage) ratio | 8.9655% | 4,666 |
| Tier 1 risk-based capital ratio | 13.4074% | 4,498 |
| Total risk-based capital ratio | 14.6670% | 4,469 |
| Memoranda: | ||
| Average total assets | $567,149,000 | 1,189 |
| Average earning assets | $526,890,000 | 1,162 |
| Average equity | $52,582,500 | 1,271 |
| Average total loans | $334,565,000 | 1,310 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6571% | 5,932 |
| Cost of funding earning assets | 0.8716% | 6,291 |
| Net interest margin | 3.7855% | 4,005 |
| Noninterest income to average assets | 0.8269% | 2,157 |
| Noninterest expense to average assets | 3.2150% | 3,033 |
| Loan and lease loss provision to assets | 0.9587% | 1,694 |
| Net operating income to assets | 0.1741% | 5,367 |
| Return on assets (ROA) | 0.3270% | 4,997 |
| Pretax return on assets | 0.3313% | 5,141 |
| Return on Equity (ROE) | 3.5197% | 4,743 |
| Retained earnings to average equity (ytd only) | 3.5197% | 3,394 |
| Net charge-offs to loans | 1.7890% | 1,182 |
| Credit loss provision to net charge-offs | 85.2941% | 5,329 |
| Earnings coverage of net charge-offs (x) | 1.0103% | 5,101 |
| Efficiency ratio | 73.8975% | 3,415 |
| Assets per employee ($millions) | 3.1779% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5261% | 1,381 |
| Loan loss allowance to noncurrent loans | 32.7291% | 6,139 |
| Noncurrent assets plus other real estate owned to assets | 6.3051% | 910 |
| Noncurrent loans to loans | 7.7183% | 686 |
| Net loans and leases to total assets | 58.2542% | 4,987 |
| Net loans and leases to deposits | 66.8804% | 5,281 |
| Net loans and leases to core deposits | 69.4594% | 5,495 |
| Total domestic deposits to total assets | 87.1020% | 2,767 |
| Equity capital to assets | 9.2333% | 4,784 |
| Core capital (leverage) ratio | 8.9565% | 4,609 |
| Tier 1 risk-based capital ratio | 13.3372% | 4,342 |
| Total risk-based capital ratio | 14.5998% | 4,290 |
| Memoranda: | ||
| Average total assets | $553,538,400 | 1,214 |
| Average earning assets | $515,257,800 | 1,195 |
| Average equity | $51,424,800 | 1,297 |
| Average total loans | $347,799,800 | 1,289 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 5,991 |
| Cost of funding earning assets | 0.9174% | 6,322 |
| Net interest margin | 3.7894% | 4,011 |
| Noninterest income to average assets | 0.8598% | 1,954 |
| Noninterest expense to average assets | 3.2466% | 2,754 |
| Loan and lease loss provision to assets | 0.8356% | 1,818 |
| Net operating income to assets | 0.3009% | 5,159 |
| Return on assets (ROA) | 0.3807% | 5,024 |
| Pretax return on assets | 0.3856% | 5,260 |
| Return on Equity (ROE) | 4.0918% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.0918% | 3,594 |
| Net charge-offs to loans | 1.5456% | 1,299 |
| Credit loss provision to net charge-offs | 84.9754% | 4,966 |
| Earnings coverage of net charge-offs (x) | 1.1599% | 4,902 |
| Efficiency ratio | 74.0035% | 3,327 |
| Assets per employee ($millions) | 3.1257% | 5,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6002% | 1,207 |
| Loan loss allowance to noncurrent loans | 36.5969% | 5,891 |
| Noncurrent assets plus other real estate owned to assets | 5.7303% | 1,060 |
| Noncurrent loans to loans | 7.1050% | 777 |
| Net loans and leases to total assets | 59.8793% | 4,937 |
| Net loans and leases to deposits | 69.0228% | 5,273 |
| Net loans and leases to core deposits | 71.7989% | 5,537 |
| Total domestic deposits to total assets | 86.7530% | 2,664 |
| Equity capital to assets | 9.8087% | 4,406 |
| Core capital (leverage) ratio | 9.1118% | 4,512 |
| Tier 1 risk-based capital ratio | 13.6068% | 4,112 |
| Total risk-based capital ratio | 14.8710% | 4,054 |
| Memoranda: | ||
| Average total assets | $550,505,250 | 1,226 |
| Average earning assets | $512,429,750 | 1,210 |
| Average equity | $51,223,500 | 1,309 |
| Average total loans | $350,233,000 | 1,295 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7614% | 5,924 |
| Cost of funding earning assets | 0.9601% | 6,335 |
| Net interest margin | 3.8013% | 3,888 |
| Noninterest income to average assets | 0.9003% | 1,688 |
| Noninterest expense to average assets | 3.2199% | 2,835 |
| Loan and lease loss provision to assets | 0.8552% | 1,703 |
| Net operating income to assets | 0.3561% | 4,946 |
| Return on assets (ROA) | 0.4749% | 4,594 |
| Pretax return on assets | 0.4822% | 4,956 |
| Return on Equity (ROE) | 5.1983% | 4,186 |
| Retained earnings to average equity (ytd only) | 5.1983% | 2,779 |
| Net charge-offs to loans | 1.9525% | 939 |
| Credit loss provision to net charge-offs | 68.0765% | 5,016 |
| Earnings coverage of net charge-offs (x) | 0.9681% | 4,813 |
| Efficiency ratio | 72.5841% | 3,727 |
| Assets per employee ($millions) | 3.0806% | 5,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4452% | 1,374 |
| Loan loss allowance to noncurrent loans | 35.3120% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 5.7774% | 1,040 |
| Noncurrent loans to loans | 6.9245% | 829 |
| Net loans and leases to total assets | 61.1116% | 4,857 |
| Net loans and leases to deposits | 70.1360% | 5,258 |
| Net loans and leases to core deposits | 72.8895% | 5,569 |
| Total domestic deposits to total assets | 87.1331% | 2,465 |
| Equity capital to assets | 9.2866% | 5,024 |
| Core capital (leverage) ratio | 8.8212% | 4,879 |
| Tier 1 risk-based capital ratio | 12.9754% | 4,471 |
| Total risk-based capital ratio | 14.2254% | 4,428 |
| Memoranda: | ||
| Average total assets | $549,590,000 | 1,236 |
| Average earning assets | $511,199,000 | 1,214 |
| Average equity | $50,209,000 | 1,329 |
| Average total loans | $353,601,670 | 1,300 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7846% | 5,947 |
| Cost of funding earning assets | 1.0144% | 6,303 |
| Net interest margin | 3.7703% | 3,917 |
| Noninterest income to average assets | 0.9482% | 1,458 |
| Noninterest expense to average assets | 3.1702% | 2,975 |
| Loan and lease loss provision to assets | 0.8699% | 1,468 |
| Net operating income to assets | 0.4190% | 4,759 |
| Return on assets (ROA) | 0.4190% | 4,898 |
| Pretax return on assets | 0.4190% | 5,233 |
| Return on Equity (ROE) | 4.6244% | 4,576 |
| Retained earnings to average equity (ytd only) | 4.6244% | 3,363 |
| Net charge-offs to loans | 3.7429% | 369 |
| Credit loss provision to net charge-offs | 35.6612% | 4,728 |
| Earnings coverage of net charge-offs (x) | 0.5284% | 4,561 |
| Efficiency ratio | 71.0941% | 4,104 |
| Assets per employee ($millions) | 3.0895% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0298% | 2,107 |
| Loan loss allowance to noncurrent loans | 32.0918% | 6,275 |
| Noncurrent assets plus other real estate owned to assets | 5.5047% | 1,125 |
| Noncurrent loans to loans | 6.3251% | 1,002 |
| Net loans and leases to total assets | 64.6984% | 4,170 |
| Net loans and leases to deposits | 74.1169% | 4,719 |
| Net loans and leases to core deposits | 76.9218% | 5,146 |
| Total domestic deposits to total assets | 87.2923% | 2,468 |
| Equity capital to assets | 9.2517% | 4,913 |
| Core capital (leverage) ratio | 8.5838% | 5,231 |
| Tier 1 risk-based capital ratio | 12.2670% | 4,929 |
| Total risk-based capital ratio | 13.5156% | 4,900 |
| Memoranda: | ||
| Average total assets | $551,756,000 | 1,261 |
| Average earning assets | $513,810,500 | 1,237 |
| Average equity | $49,995,500 | 1,338 |
| Average total loans | $359,618,500 | 1,314 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2832% | 5,271 |
| Cost of funding earning assets | 1.6392% | 4,848 |
| Net interest margin | 3.6440% | 4,376 |
| Noninterest income to average assets | 0.8124% | 2,345 |
| Noninterest expense to average assets | 3.1338% | 3,600 |
| Loan and lease loss provision to assets | 0.9408% | 2,396 |
| Net operating income to assets | 0.1382% | 5,084 |
| Return on assets (ROA) | 0.2551% | 4,783 |
| Pretax return on assets | 0.2569% | 4,877 |
| Return on Equity (ROE) | 2.9349% | 4,530 |
| Retained earnings to average equity (ytd only) | 0.1179% | 4,834 |
| Net charge-offs to loans | 0.6799% | 3,151 |
| Credit loss provision to net charge-offs | 200.5749% | 1,943 |
| Earnings coverage of net charge-offs (x) | 2.3016% | 3,998 |
| Efficiency ratio | 74.3781% | 3,816 |
| Assets per employee ($millions) | 3.1804% | 5,767 |
| Cash dividends to net income (ytd only)* | 95.9831% | 719 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6250% | 1,098 |
| Loan loss allowance to noncurrent loans | 33.3392% | 6,220 |
| Noncurrent assets plus other real estate owned to assets | 6.3070% | 876 |
| Noncurrent loans to loans | 7.8738% | 652 |
| Net loans and leases to total assets | 62.6510% | 4,875 |
| Net loans and leases to deposits | 71.4584% | 5,409 |
| Net loans and leases to core deposits | 84.7520% | 5,647 |
| Total domestic deposits to total assets | 87.6748% | 2,132 |
| Equity capital to assets | 8.8760% | 5,315 |
| Core capital (leverage) ratio | 8.2673% | 5,683 |
| Tier 1 risk-based capital ratio | 11.9548% | 4,980 |
| Total risk-based capital ratio | 13.2066% | 4,933 |
| Memoranda: | ||
| Average total assets | $556,254,600 | 1,249 |
| Average earning assets | $519,153,400 | 1,219 |
| Average equity | $48,349,600 | 1,388 |
| Average total loans | $383,734,000 | 1,257 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 4,712 |
| Cost of funding earning assets | 1.7708% | 4,522 |
| Net interest margin | 3.6737% | 4,187 |
| Noninterest income to average assets | 0.7665% | 2,615 |
| Noninterest expense to average assets | 3.1576% | 3,441 |
| Loan and lease loss provision to assets | 0.8162% | 2,331 |
| Net operating income to assets | 0.2237% | 5,080 |
| Return on assets (ROA) | 0.2914% | 4,930 |
| Pretax return on assets | 0.2914% | 5,088 |
| Return on Equity (ROE) | 3.3710% | 4,633 |
| Retained earnings to average equity (ytd only) | -0.4137% | 5,322 |
| Net charge-offs to loans | 0.3182% | 4,048 |
| Credit loss provision to net charge-offs | 365.5914% | 1,111 |
| Earnings coverage of net charge-offs (x) | 4.6581% | 3,052 |
| Efficiency ratio | 75.2245% | 3,651 |
| Assets per employee ($millions) | 3.1466% | 5,790 |
| Cash dividends to net income (ytd only)* | 112.2733% | 458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5091% | 1,051 |
| Loan loss allowance to noncurrent loans | 36.8050% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 5.7347% | 970 |
| Noncurrent loans to loans | 6.8174% | 812 |
| Net loans and leases to total assets | 64.1621% | 4,834 |
| Net loans and leases to deposits | 73.4781% | 5,450 |
| Net loans and leases to core deposits | 89.5663% | 5,479 |
| Total domestic deposits to total assets | 87.3214% | 2,001 |
| Equity capital to assets | 8.9434% | 5,569 |
| Core capital (leverage) ratio | 8.2763% | 5,877 |
| Tier 1 risk-based capital ratio | 11.8325% | 5,124 |
| Total risk-based capital ratio | 13.0962% | 5,047 |
| Memoranda: | ||
| Average total assets | $555,379,500 | 1,258 |
| Average earning assets | $518,699,500 | 1,231 |
| Average equity | $48,016,000 | 1,422 |
| Average total loans | $389,631,000 | 1,248 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5585% | 4,293 |
| Cost of funding earning assets | 1.8969% | 4,281 |
| Net interest margin | 3.6615% | 4,110 |
| Noninterest income to average assets | 0.9223% | 1,882 |
| Noninterest expense to average assets | 3.1938% | 3,353 |
| Loan and lease loss provision to assets | 0.8322% | 2,014 |
| Net operating income to assets | 0.3115% | 4,840 |
| Return on assets (ROA) | 0.3115% | 4,957 |
| Pretax return on assets | 0.3115% | 5,186 |
| Return on Equity (ROE) | 3.6459% | 4,648 |
| Retained earnings to average equity (ytd only) | 0.5463% | 4,980 |
| Net charge-offs to loans | 0.2697% | 3,839 |
| Credit loss provision to net charge-offs | 430.7116% | 1,074 |
| Earnings coverage of net charge-offs (x) | 5.9195% | 2,728 |
| Efficiency ratio | 73.6320% | 4,092 |
| Assets per employee ($millions) | 3.0475% | 6,011 |
| Cash dividends to net income (ytd only)* | 85.0174% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2309% | 1,190 |
| Loan loss allowance to noncurrent loans | 44.4910% | 5,400 |
| Noncurrent assets plus other real estate owned to assets | 4.9507% | 1,079 |
| Noncurrent loans to loans | 5.0142% | 1,227 |
| Net loans and leases to total assets | 68.3045% | 4,105 |
| Net loans and leases to deposits | 77.9929% | 4,874 |
| Net loans and leases to core deposits | 96.4580% | 4,848 |
| Total domestic deposits to total assets | 87.5777% | 1,978 |
| Equity capital to assets | 8.6199% | 5,870 |
| Core capital (leverage) ratio | 8.4067% | 5,603 |
| Tier 1 risk-based capital ratio | 11.5731% | 5,306 |
| Total risk-based capital ratio | 12.8363% | 5,230 |
| Memoranda: | ||
| Average total assets | $552,761,330 | 1,281 |
| Average earning assets | $515,574,670 | 1,255 |
| Average equity | $47,230,670 | 1,460 |
| Average total loans | $395,946,670 | 1,254 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6045% | 4,328 |
| Cost of funding earning assets | 1.9818% | 4,227 |
| Net interest margin | 3.6228% | 4,222 |
| Noninterest income to average assets | 0.8949% | 1,872 |
| Noninterest expense to average assets | 3.0224% | 3,664 |
| Loan and lease loss provision to assets | 1.1566% | 1,129 |
| Net operating income to assets | 0.0896% | 6,011 |
| Return on assets (ROA) | 0.0896% | 6,175 |
| Pretax return on assets | 0.0896% | 6,188 |
| Return on Equity (ROE) | 1.0537% | 6,108 |
| Retained earnings to average equity (ytd only) | -4.1298% | 6,441 |
| Net charge-offs to loans | 0.1884% | 3,503 |
| Credit loss provision to net charge-offs | 846.5608% | 718 |
| Earnings coverage of net charge-offs (x) | 9.1217% | 2,101 |
| Efficiency ratio | 70.8044% | 4,414 |
| Assets per employee ($millions) | 3.0649% | 5,982 |
| Cash dividends to net income (ytd only)* | 491.9355% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0626% | 1,305 |
| Loan loss allowance to noncurrent loans | 37.7733% | 6,027 |
| Noncurrent assets plus other real estate owned to assets | 5.2636% | 831 |
| Noncurrent loans to loans | 5.4604% | 947 |
| Net loans and leases to total assets | 70.5398% | 3,569 |
| Net loans and leases to deposits | 79.9377% | 4,625 |
| Net loans and leases to core deposits | 99.4414% | 4,593 |
| Total domestic deposits to total assets | 88.2435% | 1,616 |
| Equity capital to assets | 8.6031% | 5,914 |
| Core capital (leverage) ratio | 8.3819% | 5,750 |
| Tier 1 risk-based capital ratio | 11.1934% | 5,710 |
| Total risk-based capital ratio | 12.4528% | 5,614 |
| Memoranda: | ||
| Average total assets | $553,343,000 | 1,282 |
| Average earning assets | $515,297,000 | 1,258 |
| Average equity | $47,072,500 | 1,467 |
| Average total loans | $401,238,500 | 1,251 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0600% | 5,248 |
| Cost of funding earning assets | 2.6123% | 3,624 |
| Net interest margin | 3.4477% | 5,472 |
| Noninterest income to average assets | 1.0076% | 1,554 |
| Noninterest expense to average assets | 3.0632% | 3,848 |
| Loan and lease loss provision to assets | 0.6128% | 2,378 |
| Net operating income to assets | 0.5605% | 4,480 |
| Return on assets (ROA) | 0.4582% | 4,741 |
| Pretax return on assets | 0.4444% | 5,139 |
| Return on Equity (ROE) | 5.4648% | 4,172 |
| Retained earnings to average equity (ytd only) | 2.7324% | 3,480 |
| Net charge-offs to loans | 0.2921% | 3,447 |
| Credit loss provision to net charge-offs | 295.7932% | 1,530 |
| Earnings coverage of net charge-offs (x) | 5.5968% | 3,590 |
| Efficiency ratio | 72.5428% | 3,839 |
| Assets per employee ($millions) | 3.0327% | 5,978 |
| Cash dividends to net income (ytd only)* | 50.0000% | 3,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 1,925 |
| Loan loss allowance to noncurrent loans | 45.8303% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 4.1091% | 986 |
| Noncurrent loans to loans | 3.6992% | 1,361 |
| Net loans and leases to total assets | 71.7629% | 3,637 |
| Net loans and leases to deposits | 82.5507% | 4,642 |
| Net loans and leases to core deposits | 103.1361% | 4,492 |
| Total domestic deposits to total assets | 86.9319% | 1,967 |
| Equity capital to assets | 8.4102% | 6,235 |
| Core capital (leverage) ratio | 8.2936% | 5,963 |
| Tier 1 risk-based capital ratio | 11.2534% | 5,485 |
| Total risk-based capital ratio | 12.5079% | 5,364 |
| Memoranda: | ||
| Average total assets | $550,795,000 | 1,234 |
| Average earning assets | $513,612,600 | 1,205 |
| Average equity | $46,186,800 | 1,473 |
| Average total loans | $390,581,800 | 1,241 |