Home > The Lone Star State Bank > Performance and Condition Ratios
The Lone Star State Bank, Performance and Condition Ratios
| 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 | 3.1949% | 6,300 |
| Cost of funding earning assets | 0.2801% | 6,106 |
| Net interest margin | 2.9148% | 5,784 |
| Noninterest income to average assets | 0.3453% | 4,923 |
| Noninterest expense to average assets | 1.3617% | 6,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.7563% | 512 |
| Return on assets (ROA) | 1.7563% | 569 |
| Pretax return on assets | 1.7563% | 960 |
| Return on Equity (ROE) | 22.0707% | 194 |
| Retained earnings to average equity (ytd only) | 22.0707% | 99 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6709% | 6,785 |
| Assets per employee ($millions) | 6.5695% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7551% | 2,784 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 58.5078% | 3,700 |
| Net loans and leases to deposits | 69.6927% | 3,540 |
| Net loans and leases to core deposits | 79.3572% | 2,884 |
| Total domestic deposits to total assets | 83.9511% | 4,498 |
| Equity capital to assets | 8.4101% | 6,091 |
| Core capital (leverage) ratio | 8.1900% | 5,938 |
| Tier 1 risk-based capital ratio | 14.9878% | 3,842 |
| Total risk-based capital ratio | 16.2402% | 3,803 |
| Memoranda: | ||
| Average total assets | $40,539,000 | 6,444 |
| Average earning assets | $38,562,000 | 6,381 |
| Average equity | $3,226,000 | 6,673 |
| Average total loans | $23,335,500 | 6,205 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3411% | 6,549 |
| Cost of funding earning assets | 0.3154% | 6,379 |
| Net interest margin | 3.0257% | 5,988 |
| Noninterest income to average assets | 0.3702% | 4,829 |
| Noninterest expense to average assets | 1.5361% | 6,848 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.7325% | 577 |
| Return on assets (ROA) | 1.7325% | 644 |
| Pretax return on assets | 1.7325% | 1,066 |
| Return on Equity (ROE) | 21.9150% | 224 |
| Retained earnings to average equity (ytd only) | 2.2934% | 4,620 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9954% | 6,752 |
| Assets per employee ($millions) | 6.9435% | 788 |
| Cash dividends to net income (ytd only)* | 89.5349% | 713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7761% | 2,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 54.6914% | 4,513 |
| Net loans and leases to deposits | 73.5855% | 3,158 |
| Net loans and leases to core deposits | 85.3946% | 2,388 |
| Total domestic deposits to total assets | 74.3237% | 6,498 |
| Equity capital to assets | 7.5298% | 6,621 |
| Core capital (leverage) ratio | 7.7781% | 6,355 |
| Tier 1 risk-based capital ratio | 14.2036% | 4,244 |
| Total risk-based capital ratio | 15.4623% | 4,192 |
| Memoranda: | ||
| Average total assets | $39,710,800 | 6,510 |
| Average earning assets | $38,041,200 | 6,428 |
| Average equity | $3,139,400 | 6,750 |
| Average total loans | $22,082,000 | 6,338 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3813% | 6,649 |
| Cost of funding earning assets | 0.3254% | 6,488 |
| Net interest margin | 3.0559% | 6,051 |
| Noninterest income to average assets | 0.3807% | 4,778 |
| Noninterest expense to average assets | 1.5127% | 6,932 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8050% | 559 |
| Return on assets (ROA) | 1.8050% | 632 |
| Pretax return on assets | 1.8050% | 1,035 |
| Return on Equity (ROE) | 22.5471% | 212 |
| Retained earnings to average equity (ytd only) | 3.6092% | 4,341 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5943% | 6,834 |
| Assets per employee ($millions) | 6.6095% | 899 |
| Cash dividends to net income (ytd only)* | 83.9925% | 571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9120% | 2,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 53.2970% | 4,858 |
| Net loans and leases to deposits | 68.2599% | 4,142 |
| Net loans and leases to core deposits | 75.6803% | 3,766 |
| Total domestic deposits to total assets | 78.0795% | 6,059 |
| Equity capital to assets | 7.9431% | 6,621 |
| Core capital (leverage) ratio | 7.8652% | 6,425 |
| Tier 1 risk-based capital ratio | 14.5275% | 4,170 |
| Total risk-based capital ratio | 15.7866% | 4,131 |
| Memoranda: | ||
| Average total assets | $39,223,250 | 6,611 |
| Average earning assets | $37,696,250 | 6,522 |
| Average equity | $3,140,000 | 6,839 |
| Average total loans | $21,803,250 | 6,432 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3688% | 6,753 |
| Cost of funding earning assets | 0.3294% | 6,602 |
| Net interest margin | 3.0394% | 6,145 |
| Noninterest income to average assets | 0.3992% | 4,655 |
| Noninterest expense to average assets | 1.5149% | 6,996 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.8117% | 549 |
| Return on assets (ROA) | 1.8117% | 619 |
| Pretax return on assets | 1.8117% | 1,020 |
| Return on Equity (ROE) | 22.5717% | 227 |
| Retained earnings to average equity (ytd only) | 2.7418% | 4,793 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5385% | 6,904 |
| Assets per employee ($millions) | 6.4822% | 968 |
| Cash dividends to net income (ytd only)* | 87.8531% | 639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 2,639 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 55.5396% | 4,536 |
| Net loans and leases to deposits | 68.3901% | 4,136 |
| Net loans and leases to core deposits | 75.6496% | 3,797 |
| Total domestic deposits to total assets | 81.2100% | 5,390 |
| Equity capital to assets | 7.9912% | 6,572 |
| Core capital (leverage) ratio | 8.2918% | 5,921 |
| Tier 1 risk-based capital ratio | 13.8911% | 4,534 |
| Total risk-based capital ratio | 15.1202% | 4,517 |
| Memoranda: | ||
| Average total assets | $39,078,670 | 6,662 |
| Average earning assets | $37,639,330 | 6,568 |
| Average equity | $3,136,670 | 6,878 |
| Average total loans | $21,888,330 | 6,474 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4064% | 6,803 |
| Cost of funding earning assets | 0.3396% | 6,681 |
| Net interest margin | 3.0668% | 6,136 |
| Noninterest income to average assets | 0.4391% | 4,383 |
| Noninterest expense to average assets | 1.5317% | 7,034 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.8585% | 529 |
| Return on assets (ROA) | 1.8585% | 602 |
| Pretax return on assets | 1.8585% | 952 |
| Return on Equity (ROE) | 23.1038% | 242 |
| Retained earnings to average equity (ytd only) | 21.8343% | 136 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.1807% | 6,941 |
| Assets per employee ($millions) | 6.4832% | 990 |
| Cash dividends to net income (ytd only)* | 5.4945% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8892% | 2,712 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 55.0040% | 4,552 |
| Net loans and leases to deposits | 72.8523% | 3,289 |
| Net loans and leases to core deposits | 80.3485% | 3,032 |
| Total domestic deposits to total assets | 75.5007% | 6,592 |
| Equity capital to assets | 8.3216% | 6,253 |
| Core capital (leverage) ratio | 8.1576% | 6,086 |
| Tier 1 risk-based capital ratio | 14.5235% | 4,090 |
| Total risk-based capital ratio | 15.7708% | 4,044 |
| Memoranda: | ||
| Average total assets | $39,171,500 | 6,710 |
| Average earning assets | $37,694,000 | 6,616 |
| Average equity | $3,151,000 | 6,930 |
| Average total loans | $21,826,000 | 6,523 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9303% | 6,572 |
| Cost of funding earning assets | 0.4923% | 6,568 |
| Net interest margin | 3.4380% | 5,373 |
| Noninterest income to average assets | 0.4310% | 4,368 |
| Noninterest expense to average assets | 1.6950% | 7,060 |
| Loan and lease loss provision to assets | 0.0631% | 5,820 |
| Net operating income to assets | 1.9395% | 349 |
| Return on assets (ROA) | 1.9395% | 374 |
| Pretax return on assets | 1.9395% | 612 |
| Return on Equity (ROE) | 23.7421% | 141 |
| Retained earnings to average equity (ytd only) | 0.0322% | 5,824 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8422% | 7,054 |
| Assets per employee ($millions) | 6.5740% | 920 |
| Cash dividends to net income (ytd only)* | 99.8645% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8861% | 2,611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 54.3353% | 4,987 |
| Net loans and leases to deposits | 73.6621% | 3,554 |
| Net loans and leases to core deposits | 81.3081% | 3,283 |
| Total domestic deposits to total assets | 73.7628% | 6,739 |
| Equity capital to assets | 7.7705% | 6,703 |
| Core capital (leverage) ratio | 7.6443% | 6,569 |
| Tier 1 risk-based capital ratio | 13.7051% | 4,551 |
| Total risk-based capital ratio | 14.9481% | 4,518 |
| Memoranda: | ||
| Average total assets | $38,052,000 | 6,738 |
| Average earning assets | $36,155,200 | 6,672 |
| Average equity | $3,108,400 | 6,987 |
| Average total loans | $23,192,200 | 6,503 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0630% | 6,483 |
| Cost of funding earning assets | 0.5303% | 6,573 |
| Net interest margin | 3.5327% | 5,048 |
| Noninterest income to average assets | 0.4562% | 4,250 |
| Noninterest expense to average assets | 1.7045% | 7,093 |
| Loan and lease loss provision to assets | 0.0849% | 5,385 |
| Net operating income to assets | 2.0121% | 332 |
| Return on assets (ROA) | 2.0121% | 363 |
| Pretax return on assets | 2.0121% | 613 |
| Return on Equity (ROE) | 24.3216% | 152 |
| Retained earnings to average equity (ytd only) | 0.0856% | 5,928 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8372% | 7,110 |
| Assets per employee ($millions) | 6.7012% | 854 |
| Cash dividends to net income (ytd only)* | 99.6481% | 307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8369% | 2,812 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 54.7591% | 5,040 |
| Net loans and leases to deposits | 69.8000% | 4,331 |
| Net loans and leases to core deposits | 76.1702% | 4,176 |
| Total domestic deposits to total assets | 78.4515% | 6,105 |
| Equity capital to assets | 7.6255% | 6,883 |
| Core capital (leverage) ratio | 7.8332% | 6,537 |
| Tier 1 risk-based capital ratio | 13.2635% | 4,905 |
| Total risk-based capital ratio | 14.5051% | 4,883 |
| Memoranda: | ||
| Average total assets | $37,704,000 | 6,807 |
| Average earning assets | $35,703,500 | 6,748 |
| Average equity | $3,119,250 | 7,044 |
| Average total loans | $23,529,250 | 6,558 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2409% | 6,191 |
| Cost of funding earning assets | 0.5754% | 6,558 |
| Net interest margin | 3.6655% | 4,437 |
| Noninterest income to average assets | 0.5153% | 3,745 |
| Noninterest expense to average assets | 1.7304% | 7,152 |
| Loan and lease loss provision to assets | 0.1139% | 4,868 |
| Net operating income to assets | 2.1264% | 288 |
| Return on assets (ROA) | 2.1264% | 296 |
| Pretax return on assets | 2.1264% | 467 |
| Return on Equity (ROE) | 24.9920% | 139 |
| Retained earnings to average equity (ytd only) | 0.7651% | 5,553 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5792% | 7,253 |
| Assets per employee ($millions) | 5.9527% | 1,214 |
| Cash dividends to net income (ytd only)* | 96.9388% | 516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7306% | 3,220 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 65.0269% | 3,251 |
| Net loans and leases to deposits | 74.6353% | 3,703 |
| Net loans and leases to core deposits | 81.5485% | 3,571 |
| Total domestic deposits to total assets | 87.1262% | 2,666 |
| Equity capital to assets | 8.6124% | 6,046 |
| Core capital (leverage) ratio | 8.3408% | 5,806 |
| Tier 1 risk-based capital ratio | 13.3594% | 4,642 |
| Total risk-based capital ratio | 14.5972% | 4,630 |
| Memoranda: | ||
| Average total assets | $36,869,670 | 6,888 |
| Average earning assets | $34,756,670 | 6,841 |
| Average equity | $3,137,000 | 7,093 |
| Average total loans | $23,896,000 | 6,599 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1735% | 6,338 |
| Cost of funding earning assets | 0.5913% | 6,641 |
| Net interest margin | 3.5821% | 4,656 |
| Noninterest income to average assets | 0.6730% | 2,713 |
| Noninterest expense to average assets | 1.7198% | 7,213 |
| Loan and lease loss provision to assets | 0.1068% | 4,676 |
| Net operating income to assets | 2.2112% | 257 |
| Return on assets (ROA) | 2.2112% | 270 |
| Pretax return on assets | 2.2112% | 393 |
| Return on Equity (ROE) | 26.1405% | 141 |
| Retained earnings to average equity (ytd only) | 26.1405% | 88 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.5926% | 7,331 |
| Assets per employee ($millions) | 6.3648% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6407% | 3,572 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 62.4787% | 3,763 |
| Net loans and leases to deposits | 76.6611% | 3,311 |
| Net loans and leases to core deposits | 83.7222% | 3,201 |
| Total domestic deposits to total assets | 81.4999% | 5,496 |
| Equity capital to assets | 8.5653% | 5,822 |
| Core capital (leverage) ratio | 8.8758% | 4,813 |
| Tier 1 risk-based capital ratio | 13.9109% | 4,134 |
| Total risk-based capital ratio | 15.1484% | 4,117 |
| Memoranda: | ||
| Average total assets | $37,446,500 | 6,926 |
| Average earning assets | $35,174,500 | 6,873 |
| Average equity | $3,167,500 | 7,116 |
| Average total loans | $24,027,000 | 6,645 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 6,625 |
| Cost of funding earning assets | 0.8164% | 6,497 |
| Net interest margin | 3.5767% | 4,928 |
| Noninterest income to average assets | 0.4674% | 4,393 |
| Noninterest expense to average assets | 1.7497% | 7,306 |
| Loan and lease loss provision to assets | 0.0503% | 6,653 |
| Net operating income to assets | 2.0589% | 253 |
| Return on assets (ROA) | 2.0589% | 265 |
| Pretax return on assets | 2.0589% | 429 |
| Return on Equity (ROE) | 27.8408% | 56 |
| Retained earnings to average equity (ytd only) | 1.5233% | 4,774 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3416% | 7,379 |
| Assets per employee ($millions) | 6.1173% | 1,136 |
| Cash dividends to net income (ytd only)* | 94.5285% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 3,461 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 63.7751% | 3,922 |
| Net loans and leases to deposits | 74.1135% | 4,173 |
| Net loans and leases to core deposits | 80.8120% | 4,093 |
| Total domestic deposits to total assets | 86.0506% | 3,334 |
| Equity capital to assets | 8.3479% | 6,077 |
| Core capital (leverage) ratio | 7.7662% | 6,478 |
| Tier 1 risk-based capital ratio | 13.4063% | 4,288 |
| Total risk-based capital ratio | 14.6445% | 4,252 |
| Memoranda: | ||
| Average total assets | $41,721,600 | 6,807 |
| Average earning assets | $39,561,800 | 6,730 |
| Average equity | $3,085,400 | 7,253 |
| Average total loans | $26,918,400 | 6,558 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 6,825 |
| Cost of funding earning assets | 0.8466% | 6,597 |
| Net interest margin | 3.5465% | 5,120 |
| Noninterest income to average assets | 0.4654% | 4,447 |
| Noninterest expense to average assets | 1.6195% | 7,491 |
| Loan and lease loss provision to assets | 0.0962% | 6,063 |
| Net operating income to assets | 2.1159% | 278 |
| Return on assets (ROA) | 2.1159% | 298 |
| Pretax return on assets | 2.1159% | 485 |
| Return on Equity (ROE) | 29.4204% | 57 |
| Retained earnings to average equity (ytd only) | 1.3372% | 5,274 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2672% | 7,519 |
| Assets per employee ($millions) | 7.2042% | 705 |
| Cash dividends to net income (ytd only)* | 95.4548% | 400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5324% | 3,817 |
| Loan loss allowance to noncurrent loans | 686.2069% | 488 |
| Noncurrent assets plus other real estate owned to assets | 0.1342% | 7,020 |
| Noncurrent loans to loans | 0.2233% | 6,731 |
| Net loans and leases to total assets | 59.1671% | 5,069 |
| Net loans and leases to deposits | 79.5045% | 3,543 |
| Net loans and leases to core deposits | 87.2837% | 3,478 |
| Total domestic deposits to total assets | 74.4199% | 6,871 |
| Equity capital to assets | 7.0515% | 7,328 |
| Core capital (leverage) ratio | 6.9614% | 7,184 |
| Tier 1 risk-based capital ratio | 11.9445% | 5,513 |
| Total risk-based capital ratio | 13.1868% | 5,492 |
| Memoranda: | ||
| Average total assets | $42,976,000 | 6,853 |
| Average earning assets | $40,790,000 | 6,766 |
| Average equity | $3,090,750 | 7,340 |
| Average total loans | $27,699,000 | 6,606 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4207% | 6,852 |
| Cost of funding earning assets | 0.8919% | 6,616 |
| Net interest margin | 3.5287% | 5,128 |
| Noninterest income to average assets | 0.4756% | 4,313 |
| Noninterest expense to average assets | 1.6273% | 7,550 |
| Loan and lease loss provision to assets | 0.0979% | 5,932 |
| Net operating income to assets | 2.1262% | 267 |
| Return on assets (ROA) | 2.1262% | 290 |
| Pretax return on assets | 2.1262% | 468 |
| Return on Equity (ROE) | 29.3720% | 63 |
| Retained earnings to average equity (ytd only) | 2.0612% | 4,828 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.2518% | 7,578 |
| Assets per employee ($millions) | 7.1927% | 704 |
| Cash dividends to net income (ytd only)* | 92.9825% | 540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4221% | 4,326 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 62.3204% | 4,622 |
| Net loans and leases to deposits | 84.5861% | 2,777 |
| Net loans and leases to core deposits | 92.9369% | 2,856 |
| Total domestic deposits to total assets | 73.6769% | 7,015 |
| Equity capital to assets | 7.0651% | 7,321 |
| Core capital (leverage) ratio | 6.7601% | 7,303 |
| Tier 1 risk-based capital ratio | 11.5562% | 5,713 |
| Total risk-based capital ratio | 12.7956% | 5,694 |
| Memoranda: | ||
| Average total assets | $42,893,000 | 6,901 |
| Average earning assets | $41,034,670 | 6,811 |
| Average equity | $3,105,000 | 7,382 |
| Average total loans | $28,274,330 | 6,615 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4627% | 6,872 |
| Cost of funding earning assets | 0.9179% | 6,700 |
| Net interest margin | 3.5448% | 4,969 |
| Noninterest income to average assets | 0.5145% | 3,936 |
| Noninterest expense to average assets | 1.6463% | 7,623 |
| Loan and lease loss provision to assets | 0.0935% | 5,693 |
| Net operating income to assets | 2.1702% | 262 |
| Return on assets (ROA) | 2.1702% | 288 |
| Pretax return on assets | 2.1702% | 446 |
| Return on Equity (ROE) | 29.6202% | 92 |
| Retained earnings to average equity (ytd only) | 29.6202% | 70 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.1053% | 7,676 |
| Assets per employee ($millions) | 7.3542% | 700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 4,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 64.1156% | 4,300 |
| Net loans and leases to deposits | 90.0099% | 1,896 |
| Net loans and leases to core deposits | 98.9680% | 2,240 |
| Total domestic deposits to total assets | 71.2317% | 7,328 |
| Equity capital to assets | 7.3632% | 7,169 |
| Core capital (leverage) ratio | 7.3090% | 7,019 |
| Tier 1 risk-based capital ratio | 11.7259% | 5,469 |
| Total risk-based capital ratio | 12.9638% | 5,424 |
| Memoranda: | ||
| Average total assets | $42,761,500 | 6,991 |
| Average earning assets | $40,961,500 | 6,900 |
| Average equity | $3,133,000 | 7,454 |
| Average total loans | $28,770,000 | 6,671 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0631% | 6,218 |
| Cost of funding earning assets | 1.4547% | 5,703 |
| Net interest margin | 3.6085% | 4,525 |
| Noninterest income to average assets | 0.5134% | 4,307 |
| Noninterest expense to average assets | 1.7957% | 7,612 |
| Loan and lease loss provision to assets | 0.0688% | 6,890 |
| Net operating income to assets | 2.0978% | 184 |
| Return on assets (ROA) | 2.0978% | 199 |
| Pretax return on assets | 2.0978% | 339 |
| Return on Equity (ROE) | 28.0294% | 60 |
| Retained earnings to average equity (ytd only) | 0.6892% | 4,522 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3193% | 7,739 |
| Assets per employee ($millions) | 5.9140% | 1,310 |
| Cash dividends to net income (ytd only)* | 97.5410% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 4,937 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 68.8560% | 3,523 |
| Net loans and leases to deposits | 88.2398% | 2,519 |
| Net loans and leases to core deposits | 133.8137% | 1,062 |
| Total domestic deposits to total assets | 78.0328% | 6,207 |
| Equity capital to assets | 7.2878% | 7,210 |
| Core capital (leverage) ratio | 7.2144% | 7,056 |
| Tier 1 risk-based capital ratio | 11.1965% | 5,725 |
| Total risk-based capital ratio | 12.4360% | 5,694 |
| Memoranda: | ||
| Average total assets | $40,709,000 | 7,065 |
| Average earning assets | $38,908,600 | 6,984 |
| Average equity | $3,046,800 | 7,574 |
| Average total loans | $25,542,600 | 6,880 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1788% | 5,965 |
| Cost of funding earning assets | 1.5715% | 5,532 |
| Net interest margin | 3.6072% | 4,455 |
| Noninterest income to average assets | 0.5164% | 4,350 |
| Noninterest expense to average assets | 1.7169% | 7,748 |
| Loan and lease loss provision to assets | 0.0921% | 6,448 |
| Net operating income to assets | 2.1576% | 204 |
| Return on assets (ROA) | 2.1576% | 221 |
| Pretax return on assets | 2.1576% | 389 |
| Return on Equity (ROE) | 28.6368% | 71 |
| Retained earnings to average equity (ytd only) | 1.1787% | 4,667 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2836% | 7,856 |
| Assets per employee ($millions) | 5.9854% | 1,226 |
| Cash dividends to net income (ytd only)* | 95.8852% | 638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4518% | 3,684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 59.4587% | 5,670 |
| Net loans and leases to deposits | 77.0816% | 4,885 |
| Net loans and leases to core deposits | 117.4540% | 2,475 |
| Total domestic deposits to total assets | 77.1373% | 6,305 |
| Equity capital to assets | 7.2151% | 7,478 |
| Core capital (leverage) ratio | 7.0030% | 7,437 |
| Tier 1 risk-based capital ratio | 11.6466% | 5,292 |
| Total risk-based capital ratio | 12.8795% | 5,244 |
| Memoranda: | ||
| Average total assets | $40,536,750 | 7,122 |
| Average earning assets | $38,772,750 | 7,041 |
| Average equity | $3,054,250 | 7,643 |
| Average total loans | $24,710,250 | 6,997 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1720% | 6,183 |
| Cost of funding earning assets | 1.6300% | 5,612 |
| Net interest margin | 3.5420% | 4,608 |
| Noninterest income to average assets | 0.5239% | 4,237 |
| Noninterest expense to average assets | 1.7364% | 7,798 |
| Loan and lease loss provision to assets | 0.1048% | 6,117 |
| Net operating income to assets | 2.0657% | 251 |
| Return on assets (ROA) | 2.0657% | 278 |
| Pretax return on assets | 2.0657% | 470 |
| Return on Equity (ROE) | 27.0176% | 105 |
| Retained earnings to average equity (ytd only) | 0.9136% | 4,816 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4444% | 7,910 |
| Assets per employee ($millions) | 6.2836% | 1,062 |
| Cash dividends to net income (ytd only)* | 96.6184% | 764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3893% | 3,782 |
| Loan loss allowance to noncurrent loans | 4,000.0000% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0205% | 7,580 |
| Noncurrent loans to loans | 0.0347% | 7,454 |
| Net loans and leases to total assets | 58.0948% | 5,949 |
| Net loans and leases to deposits | 79.9331% | 4,557 |
| Net loans and leases to core deposits | 117.9514% | 2,546 |
| Total domestic deposits to total assets | 72.6793% | 7,157 |
| Equity capital to assets | 6.8432% | 7,689 |
| Core capital (leverage) ratio | 7.2576% | 7,295 |
| Tier 1 risk-based capital ratio | 11.6554% | 5,240 |
| Total risk-based capital ratio | 12.9022% | 5,170 |
| Memoranda: | ||
| Average total assets | $40,083,000 | 7,206 |
| Average earning assets | $38,283,330 | 7,119 |
| Average equity | $3,064,670 | 7,708 |
| Average total loans | $24,520,670 | 7,055 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3868% | 5,490 |
| Cost of funding earning assets | 1.7626% | 5,302 |
| Net interest margin | 3.6242% | 4,218 |
| Noninterest income to average assets | 0.5979% | 3,565 |
| Noninterest expense to average assets | 1.9301% | 7,493 |
| Loan and lease loss provision to assets | 0.1049% | 5,626 |
| Net operating income to assets | 2.0141% | 340 |
| Return on assets (ROA) | 2.0141% | 388 |
| Pretax return on assets | 2.0141% | 654 |
| Return on Equity (ROE) | 24.8383% | 195 |
| Retained earnings to average equity (ytd only) | 24.8383% | 86 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6684% | 7,747 |
| Assets per employee ($millions) | 5.7997% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4726% | 3,127 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 57.5151% | 6,020 |
| Net loans and leases to deposits | 73.7081% | 5,521 |
| Net loans and leases to core deposits | 105.6035% | 3,956 |
| Total domestic deposits to total assets | 78.0309% | 6,007 |
| Equity capital to assets | 7.8526% | 7,003 |
| Core capital (leverage) ratio | 8.4749% | 5,588 |
| Tier 1 risk-based capital ratio | 13.6455% | 3,770 |
| Total risk-based capital ratio | 14.8996% | 3,688 |
| Memoranda: | ||
| Average total assets | $38,132,000 | 7,330 |
| Average earning assets | $36,311,000 | 7,258 |
| Average equity | $3,092,000 | 7,753 |
| Average total loans | $23,824,500 | 7,144 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5459% | 2,742 |
| Cost of funding earning assets | 2.3028% | 5,136 |
| Net interest margin | 4.2431% | 2,141 |
| Noninterest income to average assets | 0.7202% | 2,986 |
| Noninterest expense to average assets | 2.3762% | 6,485 |
| Loan and lease loss provision to assets | 0.0193% | 7,145 |
| Net operating income to assets | 2.2765% | 205 |
| Return on assets (ROA) | 2.2765% | 200 |
| Pretax return on assets | 2.2765% | 332 |
| Return on Equity (ROE) | 23.9626% | 173 |
| Retained earnings to average equity (ytd only) | 0.2031% | 5,109 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8603% | 7,599 |
| Assets per employee ($millions) | 5.9443% | 1,165 |
| Cash dividends to net income (ytd only)* | 99.1525% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4154% | 3,107 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.2003% | 4,808 |
| Net loans and leases to deposits | 79.6727% | 5,106 |
| Net loans and leases to core deposits | 109.4876% | 3,810 |
| Total domestic deposits to total assets | 83.0903% | 3,728 |
| Equity capital to assets | 8.4002% | 6,255 |
| Core capital (leverage) ratio | 8.7429% | 5,123 |
| Tier 1 risk-based capital ratio | 13.3393% | 3,902 |
| Total risk-based capital ratio | 14.5904% | 3,811 |
| Memoranda: | ||
| Average total assets | $31,100,400 | 7,598 |
| Average earning assets | $28,964,600 | 7,568 |
| Average equity | $2,954,600 | 7,847 |
| Average total loans | $23,770,400 | 7,085 |