Home > The State Bank of Texas > Performance and Condition Ratios
The State Bank of Texas, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7830% | 5,607 |
| Cost of funding earning assets | 0.3589% | 3,435 |
| Net interest margin | 2.4241% | 5,603 |
| Noninterest income to average assets | 0.1394% | 5,415 |
| Noninterest expense to average assets | 7.1596% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -3.1719% | 5,839 |
| Return on assets (ROA) | -3.1719% | 5,839 |
| Pretax return on assets | -4.6893% | 5,844 |
| Return on Equity (ROE) | -36.5143% | 5,839 |
| Retained earnings to average equity (ytd only) | -36.5143% | 5,806 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 289.8242% | 9 |
| Assets per employee ($millions) | 7.0690% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7557% | 5,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 48.3791% | 4,791 |
| Net loans and leases to deposits | 52.8761% | 4,990 |
| Net loans and leases to core deposits | 108.5785% | 942 |
| Total domestic deposits to total assets | 91.4953% | 176 |
| Equity capital to assets | 8.2111% | 5,407 |
| Core capital (leverage) ratio | 8.1943% | 5,456 |
| Tier 1 risk-based capital ratio | 22.6575% | 1,017 |
| Total risk-based capital ratio | 23.6746% | 1,026 |
| Memoranda: | ||
| Average total assets | $175,037,000 | 3,252 |
| Average earning assets | $168,308,500 | 3,155 |
| Average equity | $15,205,000 | 3,755 |
| Average total loans | $85,369,500 | 3,700 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0151% | 5,490 |
| Cost of funding earning assets | 0.2898% | 4,175 |
| Net interest margin | 2.7254% | 5,391 |
| Noninterest income to average assets | 0.1723% | 5,356 |
| Noninterest expense to average assets | 2.3426% | 4,441 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2834% | 5,253 |
| Return on assets (ROA) | 0.2834% | 5,321 |
| Pretax return on assets | 0.4297% | 5,161 |
| Return on Equity (ROE) | 3.1257% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.1257% | 3,682 |
| Net charge-offs to loans | 0.0011% | 4,245 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 743.0000% | 103 |
| Efficiency ratio | 84.5015% | 968 |
| Assets per employee ($millions) | 6.4203% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7696% | 5,184 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 48.4220% | 4,866 |
| Net loans and leases to deposits | 53.5356% | 5,036 |
| Net loans and leases to core deposits | 113.9206% | 700 |
| Total domestic deposits to total assets | 90.4482% | 465 |
| Equity capital to assets | 9.1717% | 4,616 |
| Core capital (leverage) ratio | 8.9635% | 4,781 |
| Tier 1 risk-based capital ratio | 23.3359% | 933 |
| Total risk-based capital ratio | 24.2921% | 948 |
| Memoranda: | ||
| Average total assets | $172,929,200 | 3,249 |
| Average earning assets | $164,969,000 | 3,172 |
| Average equity | $15,676,600 | 3,737 |
| Average total loans | $90,991,200 | 3,558 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9994% | 5,567 |
| Cost of funding earning assets | 0.2804% | 4,289 |
| Net interest margin | 2.7190% | 5,470 |
| Noninterest income to average assets | 0.1697% | 5,419 |
| Noninterest expense to average assets | 2.3067% | 4,517 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2978% | 5,290 |
| Return on assets (ROA) | 0.2978% | 5,372 |
| Pretax return on assets | 0.4513% | 5,229 |
| Return on Equity (ROE) | 3.2946% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.2946% | 3,928 |
| Net charge-offs to loans | 0.0014% | 3,894 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 586.4511% | 155 |
| Efficiency ratio | 83.6364% | 1,017 |
| Assets per employee ($millions) | 6.9103% | 922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6856% | 5,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 50.5403% | 4,782 |
| Net loans and leases to deposits | 55.3802% | 5,032 |
| Net loans and leases to core deposits | 106.8340% | 1,124 |
| Total domestic deposits to total assets | 91.2605% | 147 |
| Equity capital to assets | 8.4662% | 5,547 |
| Core capital (leverage) ratio | 8.9406% | 4,893 |
| Tier 1 risk-based capital ratio | 21.7297% | 1,166 |
| Total risk-based capital ratio | 22.6259% | 1,195 |
| Memoranda: | ||
| Average total assets | $172,824,250 | 3,262 |
| Average earning assets | $164,517,000 | 3,191 |
| Average equity | $15,621,000 | 3,770 |
| Average total loans | $92,591,500 | 3,536 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0860% | 5,562 |
| Cost of funding earning assets | 0.2679% | 4,466 |
| Net interest margin | 2.8181% | 5,396 |
| Noninterest income to average assets | 0.1759% | 5,440 |
| Noninterest expense to average assets | 2.3633% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3388% | 5,211 |
| Return on assets (ROA) | 0.3388% | 5,299 |
| Pretax return on assets | 0.5136% | 5,103 |
| Return on Equity (ROE) | 3.6626% | 5,031 |
| Retained earnings to average equity (ytd only) | 3.6626% | 3,560 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1488% | 1,251 |
| Assets per employee ($millions) | 6.3674% | 1,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 5,386 |
| Loan loss allowance to noncurrent loans | 207.6433% | 2,211 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 4,795 |
| Noncurrent loans to loans | 0.3643% | 4,057 |
| Net loans and leases to total assets | 47.9853% | 4,997 |
| Net loans and leases to deposits | 52.7695% | 5,216 |
| Net loans and leases to core deposits | 106.6494% | 1,125 |
| Total domestic deposits to total assets | 90.9338% | 203 |
| Equity capital to assets | 8.8037% | 5,401 |
| Core capital (leverage) ratio | 9.2860% | 4,477 |
| Tier 1 risk-based capital ratio | 20.5827% | 1,330 |
| Total risk-based capital ratio | 21.4384% | 1,381 |
| Memoranda: | ||
| Average total assets | $168,239,670 | 3,340 |
| Average earning assets | $161,243,000 | 3,255 |
| Average equity | $15,562,670 | 3,794 |
| Average total loans | $91,806,000 | 3,571 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 5,345 |
| Cost of funding earning assets | 0.2746% | 4,447 |
| Net interest margin | 3.0108% | 5,097 |
| Noninterest income to average assets | 0.1348% | 5,668 |
| Noninterest expense to average assets | 2.3846% | 4,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4117% | 4,963 |
| Return on assets (ROA) | 0.4117% | 5,037 |
| Pretax return on assets | 0.6249% | 4,744 |
| Return on Equity (ROE) | 4.3366% | 4,764 |
| Retained earnings to average equity (ytd only) | 4.3366% | 3,312 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2345% | 1,710 |
| Assets per employee ($millions) | 5.9322% | 1,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6876% | 5,616 |
| Loan loss allowance to noncurrent loans | 201.8576% | 2,220 |
| Noncurrent assets plus other real estate owned to assets | 0.2017% | 4,752 |
| Noncurrent loans to loans | 0.3406% | 4,216 |
| Net loans and leases to total assets | 58.7948% | 3,953 |
| Net loans and leases to deposits | 65.3897% | 4,310 |
| Net loans and leases to core deposits | 130.4470% | 264 |
| Total domestic deposits to total assets | 89.9144% | 636 |
| Equity capital to assets | 9.7272% | 4,423 |
| Core capital (leverage) ratio | 9.5655% | 4,084 |
| Tier 1 risk-based capital ratio | 20.4107% | 1,421 |
| Total risk-based capital ratio | 21.2655% | 1,469 |
| Memoranda: | ||
| Average total assets | $163,215,500 | 3,413 |
| Average earning assets | $155,840,000 | 3,342 |
| Average equity | $15,496,000 | 3,813 |
| Average total loans | $94,607,000 | 3,520 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0459% | 5,695 |
| Cost of funding earning assets | 0.2695% | 4,589 |
| Net interest margin | 2.7764% | 5,559 |
| Noninterest income to average assets | 0.1579% | 5,631 |
| Noninterest expense to average assets | 2.2832% | 4,840 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3564% | 5,196 |
| Return on assets (ROA) | 0.3564% | 5,281 |
| Pretax return on assets | 0.5419% | 5,013 |
| Return on Equity (ROE) | 4.0576% | 4,921 |
| Retained earnings to average equity (ytd only) | 4.0576% | 3,124 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8188% | 1,563 |
| Assets per employee ($millions) | 6.1503% | 1,283 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6907% | 5,650 |
| Loan loss allowance to noncurrent loans | 196.3855% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 0.1999% | 4,789 |
| Noncurrent loans to loans | 0.3517% | 4,207 |
| Net loans and leases to total assets | 56.4492% | 4,260 |
| Net loans and leases to deposits | 62.3667% | 4,606 |
| Net loans and leases to core deposits | 119.3185% | 495 |
| Total domestic deposits to total assets | 90.5118% | 433 |
| Equity capital to assets | 9.1877% | 4,927 |
| Core capital (leverage) ratio | 8.8537% | 5,056 |
| Tier 1 risk-based capital ratio | 20.8081% | 1,331 |
| Total risk-based capital ratio | 21.6982% | 1,374 |
| Memoranda: | ||
| Average total assets | $170,331,200 | 3,297 |
| Average earning assets | $163,627,200 | 3,206 |
| Average equity | $14,959,400 | 3,842 |
| Average total loans | $91,250,000 | 3,564 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0369% | 5,776 |
| Cost of funding earning assets | 0.2665% | 4,698 |
| Net interest margin | 2.7704% | 5,633 |
| Noninterest income to average assets | 0.1455% | 5,752 |
| Noninterest expense to average assets | 2.2294% | 4,968 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3827% | 5,223 |
| Return on assets (ROA) | 0.3827% | 5,305 |
| Pretax return on assets | 0.5842% | 5,015 |
| Return on Equity (ROE) | 4.4070% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.4070% | 3,337 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2369% | 1,769 |
| Assets per employee ($millions) | 6.2341% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6988% | 5,730 |
| Loan loss allowance to noncurrent loans | 190.6433% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 4,966 |
| Noncurrent loans to loans | 0.3666% | 4,303 |
| Net loans and leases to total assets | 53.0758% | 4,658 |
| Net loans and leases to deposits | 58.2909% | 4,977 |
| Net loans and leases to core deposits | 106.1455% | 1,087 |
| Total domestic deposits to total assets | 91.0533% | 232 |
| Equity capital to assets | 8.6740% | 5,593 |
| Core capital (leverage) ratio | 8.8898% | 5,131 |
| Tier 1 risk-based capital ratio | 19.4650% | 1,669 |
| Total risk-based capital ratio | 20.3039% | 1,731 |
| Memoranda: | ||
| Average total assets | $171,399,250 | 3,308 |
| Average earning assets | $165,077,000 | 3,215 |
| Average equity | $14,885,000 | 3,892 |
| Average total loans | $90,464,750 | 3,613 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9836% | 5,875 |
| Cost of funding earning assets | 0.2671% | 4,748 |
| Net interest margin | 2.7165% | 5,747 |
| Noninterest income to average assets | 0.1456% | 5,833 |
| Noninterest expense to average assets | 2.2237% | 5,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3534% | 5,286 |
| Return on assets (ROA) | 0.3534% | 5,395 |
| Pretax return on assets | 0.5366% | 5,130 |
| Return on Equity (ROE) | 4.0677% | 4,993 |
| Retained earnings to average equity (ytd only) | 4.0677% | 3,433 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5615% | 1,683 |
| Assets per employee ($millions) | 6.6109% | 1,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7238% | 5,761 |
| Loan loss allowance to noncurrent loans | 185.7550% | 2,364 |
| Noncurrent assets plus other real estate owned to assets | 0.1966% | 5,080 |
| Noncurrent loans to loans | 0.3897% | 4,315 |
| Net loans and leases to total assets | 50.0997% | 4,923 |
| Net loans and leases to deposits | 54.8139% | 5,201 |
| Net loans and leases to core deposits | 97.6533% | 1,677 |
| Total domestic deposits to total assets | 91.3997% | 203 |
| Equity capital to assets | 8.3756% | 5,777 |
| Core capital (leverage) ratio | 8.1600% | 5,823 |
| Tier 1 risk-based capital ratio | 18.8386% | 1,828 |
| Total risk-based capital ratio | 19.6610% | 1,913 |
| Memoranda: | ||
| Average total assets | $170,347,000 | 3,339 |
| Average earning assets | $163,963,330 | 3,253 |
| Average equity | $14,799,670 | 3,922 |
| Average total loans | $89,520,000 | 3,652 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0244% | 5,869 |
| Cost of funding earning assets | 0.2706% | 4,779 |
| Net interest margin | 2.7537% | 5,735 |
| Noninterest income to average assets | 0.1564% | 5,806 |
| Noninterest expense to average assets | 2.2541% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3609% | 5,218 |
| Return on assets (ROA) | 0.3609% | 5,335 |
| Pretax return on assets | 0.5461% | 5,059 |
| Return on Equity (ROE) | 4.0748% | 4,953 |
| Retained earnings to average equity (ytd only) | 4.0748% | 3,559 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4983% | 1,832 |
| Assets per employee ($millions) | 6.1398% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7328% | 5,843 |
| Loan loss allowance to noncurrent loans | 177.1739% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 0.2220% | 5,051 |
| Noncurrent loans to loans | 0.4136% | 4,348 |
| Net loans and leases to total assets | 53.2761% | 4,519 |
| Net loans and leases to deposits | 58.6831% | 4,864 |
| Net loans and leases to core deposits | 111.7723% | 668 |
| Total domestic deposits to total assets | 90.7863% | 444 |
| Equity capital to assets | 8.9278% | 5,368 |
| Core capital (leverage) ratio | 8.8731% | 5,105 |
| Tier 1 risk-based capital ratio | 22.9843% | 1,104 |
| Total risk-based capital ratio | 23.9978% | 1,122 |
| Memoranda: | ||
| Average total assets | $166,273,500 | 3,421 |
| Average earning assets | $159,637,000 | 3,330 |
| Average equity | $14,724,500 | 3,959 |
| Average total loans | $89,241,500 | 3,665 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9583% | 6,091 |
| Cost of funding earning assets | 0.2775% | 5,025 |
| Net interest margin | 2.6809% | 5,969 |
| Noninterest income to average assets | 0.1908% | 5,713 |
| Noninterest expense to average assets | 2.4018% | 4,839 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.2376% | 5,685 |
| Return on assets (ROA) | 0.2376% | 5,744 |
| Pretax return on assets | 0.3603% | 5,587 |
| Return on Equity (ROE) | 2.7060% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.7060% | 4,324 |
| Net charge-offs to loans | 0.0049% | 4,852 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 148.2500% | 364 |
| Efficiency ratio | 86.9556% | 1,084 |
| Assets per employee ($millions) | 5.7508% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7284% | 5,933 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 53.2826% | 4,661 |
| Net loans and leases to deposits | 58.6062% | 5,016 |
| Net loans and leases to core deposits | 110.7661% | 746 |
| Total domestic deposits to total assets | 90.9164% | 399 |
| Equity capital to assets | 8.7838% | 5,502 |
| Core capital (leverage) ratio | 8.3682% | 5,704 |
| Tier 1 risk-based capital ratio | 21.1039% | 1,380 |
| Total risk-based capital ratio | 22.0441% | 1,418 |
| Memoranda: | ||
| Average total assets | $164,582,000 | 3,417 |
| Average earning assets | $157,860,000 | 3,316 |
| Average equity | $14,449,600 | 3,949 |
| Average total loans | $81,803,400 | 3,823 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8932% | 6,209 |
| Cost of funding earning assets | 0.2780% | 5,121 |
| Net interest margin | 2.6152% | 6,117 |
| Noninterest income to average assets | 0.1935% | 5,762 |
| Noninterest expense to average assets | 2.3450% | 4,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2349% | 5,766 |
| Return on assets (ROA) | 0.2349% | 5,826 |
| Pretax return on assets | 0.3560% | 5,666 |
| Return on Equity (ROE) | 2.6759% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.6759% | 4,692 |
| Net charge-offs to loans | 0.0067% | 4,471 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 109.5666% | 545 |
| Efficiency ratio | 86.8191% | 1,109 |
| Assets per employee ($millions) | 5.1228% | 2,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 5,927 |
| Loan loss allowance to noncurrent loans | 346.8085% | 1,353 |
| Noncurrent assets plus other real estate owned to assets | 0.3381% | 4,921 |
| Noncurrent loans to loans | 0.2242% | 5,226 |
| Net loans and leases to total assets | 52.3822% | 4,765 |
| Net loans and leases to deposits | 57.8645% | 5,111 |
| Net loans and leases to core deposits | 113.2661% | 608 |
| Total domestic deposits to total assets | 90.5255% | 515 |
| Equity capital to assets | 9.1615% | 5,198 |
| Core capital (leverage) ratio | 8.6876% | 5,453 |
| Tier 1 risk-based capital ratio | 22.2450% | 1,229 |
| Total risk-based capital ratio | 23.2431% | 1,243 |
| Memoranda: | ||
| Average total assets | $164,034,250 | 3,455 |
| Average earning assets | $157,282,250 | 3,340 |
| Average equity | $14,399,750 | 3,980 |
| Average total loans | $79,876,000 | 3,906 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7768% | 6,352 |
| Cost of funding earning assets | 0.2742% | 5,245 |
| Net interest margin | 2.5027% | 6,274 |
| Noninterest income to average assets | 0.1991% | 5,766 |
| Noninterest expense to average assets | 2.2874% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2063% | 5,820 |
| Return on assets (ROA) | 0.2063% | 5,878 |
| Pretax return on assets | 0.3125% | 5,762 |
| Return on Equity (ROE) | 2.3833% | 5,736 |
| Retained earnings to average equity (ytd only) | 2.3833% | 4,692 |
| Net charge-offs to loans | 0.0102% | 4,055 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 64.7500% | 768 |
| Efficiency ratio | 87.9814% | 1,090 |
| Assets per employee ($millions) | 5.7766% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8020% | 5,971 |
| Loan loss allowance to noncurrent loans | 587.3874% | 803 |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 5,346 |
| Noncurrent loans to loans | 0.1365% | 5,599 |
| Net loans and leases to total assets | 46.5328% | 5,310 |
| Net loans and leases to deposits | 50.8892% | 5,568 |
| Net loans and leases to core deposits | 91.3985% | 1,988 |
| Total domestic deposits to total assets | 91.4396% | 279 |
| Equity capital to assets | 8.3279% | 5,932 |
| Core capital (leverage) ratio | 8.3742% | 5,768 |
| Tier 1 risk-based capital ratio | 20.7425% | 1,502 |
| Total risk-based capital ratio | 21.6828% | 1,551 |
| Memoranda: | ||
| Average total assets | $165,777,000 | 3,444 |
| Average earning assets | $159,029,330 | 3,333 |
| Average equity | $14,350,000 | 3,971 |
| Average total loans | $78,555,330 | 3,956 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8481% | 6,361 |
| Cost of funding earning assets | 0.2784% | 5,300 |
| Net interest margin | 2.5697% | 6,274 |
| Noninterest income to average assets | 0.2024% | 5,736 |
| Noninterest expense to average assets | 2.3183% | 5,149 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2271% | 5,720 |
| Return on assets (ROA) | 0.2271% | 5,775 |
| Pretax return on assets | 0.3456% | 5,604 |
| Return on Equity (ROE) | 2.5718% | 5,601 |
| Retained earnings to average equity (ytd only) | 2.5718% | 4,528 |
| Net charge-offs to loans | 0.0207% | 3,165 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 35.0000% | 952 |
| Efficiency ratio | 87.0250% | 1,337 |
| Assets per employee ($millions) | 5.3273% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8409% | 6,022 |
| Loan loss allowance to noncurrent loans | 169.7917% | 2,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4417% | 4,809 |
| Noncurrent loans to loans | 0.4953% | 4,674 |
| Net loans and leases to total assets | 48.1050% | 5,115 |
| Net loans and leases to deposits | 53.0042% | 5,382 |
| Net loans and leases to core deposits | 102.6462% | 948 |
| Total domestic deposits to total assets | 90.7570% | 664 |
| Equity capital to assets | 8.9820% | 5,137 |
| Core capital (leverage) ratio | 8.5591% | 5,572 |
| Tier 1 risk-based capital ratio | 22.1424% | 1,274 |
| Total risk-based capital ratio | 23.1539% | 1,281 |
| Memoranda: | ||
| Average total assets | $162,017,000 | 3,532 |
| Average earning assets | $155,191,500 | 3,413 |
| Average equity | $14,309,000 | 3,987 |
| Average total loans | $77,187,000 | 4,021 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9215% | 6,407 |
| Cost of funding earning assets | 0.3121% | 5,502 |
| Net interest margin | 2.6094% | 6,254 |
| Noninterest income to average assets | 0.2198% | 5,760 |
| Noninterest expense to average assets | 2.2917% | 5,407 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.2547% | 5,678 |
| Return on assets (ROA) | 0.2547% | 5,749 |
| Pretax return on assets | 0.4108% | 5,473 |
| Return on Equity (ROE) | 2.9480% | 5,529 |
| Retained earnings to average equity (ytd only) | 2.9480% | 4,147 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7984% | 1,540 |
| Assets per employee ($millions) | 5.4738% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8537% | 6,048 |
| Loan loss allowance to noncurrent loans | 169.5090% | 2,389 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 4,953 |
| Noncurrent loans to loans | 0.5036% | 4,736 |
| Net loans and leases to total assets | 46.3934% | 5,456 |
| Net loans and leases to deposits | 50.9803% | 5,695 |
| Net loans and leases to core deposits | 95.9835% | 1,461 |
| Total domestic deposits to total assets | 91.0026% | 566 |
| Equity capital to assets | 8.6856% | 5,391 |
| Core capital (leverage) ratio | 9.4197% | 4,385 |
| Tier 1 risk-based capital ratio | 22.7075% | 1,146 |
| Total risk-based capital ratio | 23.7566% | 1,154 |
| Memoranda: | ||
| Average total assets | $163,327,400 | 3,504 |
| Average earning assets | $155,397,200 | 3,409 |
| Average equity | $14,111,400 | 4,044 |
| Average total loans | $69,656,600 | 4,279 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9908% | 6,430 |
| Cost of funding earning assets | 0.3278% | 5,486 |
| Net interest margin | 2.6630% | 6,231 |
| Noninterest income to average assets | 0.2183% | 5,870 |
| Noninterest expense to average assets | 2.3150% | 5,294 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4332% | 5,097 |
| Return on assets (ROA) | 0.4332% | 5,246 |
| Pretax return on assets | 0.4332% | 5,543 |
| Return on Equity (ROE) | 5.0211% | 4,714 |
| Retained earnings to average equity (ytd only) | 5.0211% | 3,065 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2356% | 1,564 |
| Assets per employee ($millions) | 5.4579% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0292% | 5,599 |
| Loan loss allowance to noncurrent loans | 169.5090% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 5,652 |
| Noncurrent loans to loans | 0.6072% | 4,680 |
| Net loans and leases to total assets | 42.8068% | 5,836 |
| Net loans and leases to deposits | 49.0155% | 5,905 |
| Net loans and leases to core deposits | 87.9754% | 2,196 |
| Total domestic deposits to total assets | 87.3332% | 2,491 |
| Equity capital to assets | 9.7562% | 4,236 |
| Core capital (leverage) ratio | 8.2394% | 6,025 |
| Tier 1 risk-based capital ratio | 22.9086% | 1,163 |
| Total risk-based capital ratio | 23.9870% | 1,173 |
| Memoranda: | ||
| Average total assets | $163,105,500 | 3,551 |
| Average earning assets | $154,959,250 | 3,454 |
| Average equity | $14,073,500 | 4,097 |
| Average total loans | $67,860,500 | 4,377 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8575% | 6,572 |
| Cost of funding earning assets | 0.3403% | 5,488 |
| Net interest margin | 2.5172% | 6,430 |
| Noninterest income to average assets | 0.2198% | 5,867 |
| Noninterest expense to average assets | 2.2512% | 5,496 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3588% | 5,367 |
| Return on assets (ROA) | 0.3588% | 5,545 |
| Pretax return on assets | 0.3588% | 5,731 |
| Return on Equity (ROE) | 4.3228% | 5,086 |
| Retained earnings to average equity (ytd only) | 4.3228% | 3,527 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2540% | 1,389 |
| Assets per employee ($millions) | 6.1330% | 1,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0021% | 5,814 |
| Loan loss allowance to noncurrent loans | 446.2585% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 5,831 |
| Noncurrent loans to loans | 0.2246% | 5,743 |
| Net loans and leases to total assets | 37.7385% | 6,192 |
| Net loans and leases to deposits | 41.2270% | 6,356 |
| Net loans and leases to core deposits | 77.5340% | 3,353 |
| Total domestic deposits to total assets | 91.5382% | 365 |
| Equity capital to assets | 8.2400% | 6,028 |
| Core capital (leverage) ratio | 8.5026% | 5,670 |
| Tier 1 risk-based capital ratio | 21.3328% | 1,415 |
| Total risk-based capital ratio | 22.3501% | 1,442 |
| Memoranda: | ||
| Average total assets | $168,353,330 | 3,492 |
| Average earning assets | $159,857,330 | 3,402 |
| Average equity | $13,972,330 | 4,152 |
| Average total loans | $69,235,000 | 4,336 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9806% | 6,533 |
| Cost of funding earning assets | 0.3903% | 5,200 |
| Net interest margin | 2.5903% | 6,388 |
| Noninterest income to average assets | 0.2352% | 5,773 |
| Noninterest expense to average assets | 2.3952% | 5,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2928% | 5,596 |
| Return on assets (ROA) | 0.2928% | 5,715 |
| Pretax return on assets | 0.2928% | 5,869 |
| Return on Equity (ROE) | 3.5150% | 5,330 |
| Retained earnings to average equity (ytd only) | 3.5150% | 4,132 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1071% | 1,224 |
| Assets per employee ($millions) | 5.6897% | 1,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9546% | 6,121 |
| Loan loss allowance to noncurrent loans | 446.2585% | 943 |
| Noncurrent assets plus other real estate owned to assets | 0.7642% | 4,465 |
| Noncurrent loans to loans | 0.2139% | 5,875 |
| Net loans and leases to total assets | 41.2509% | 5,897 |
| Net loans and leases to deposits | 45.1856% | 6,109 |
| Net loans and leases to core deposits | 88.2630% | 1,878 |
| Total domestic deposits to total assets | 91.2921% | 412 |
| Equity capital to assets | 8.4673% | 6,047 |
| Core capital (leverage) ratio | 8.1111% | 6,033 |
| Tier 1 risk-based capital ratio | 20.7097% | 1,614 |
| Total risk-based capital ratio | 21.7122% | 1,630 |
| Memoranda: | ||
| Average total assets | $166,668,000 | 3,554 |
| Average earning assets | $157,822,500 | 3,471 |
| Average equity | $13,883,500 | 4,220 |
| Average total loans | $71,121,500 | 4,304 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4352% | 6,441 |
| Cost of funding earning assets | 0.8021% | 2,651 |
| Net interest margin | 2.6331% | 6,600 |
| Noninterest income to average assets | 0.2414% | 5,722 |
| Noninterest expense to average assets | 2.8463% | 3,852 |
| Loan and lease loss provision to assets | -0.0621% | 6,883 |
| Net operating income to assets | -0.0714% | 6,259 |
| Return on assets (ROA) | -0.0714% | 6,364 |
| Pretax return on assets | -0.0714% | 6,342 |
| Return on Equity (ROE) | -0.8380% | 6,377 |
| Retained earnings to average equity (ytd only) | -0.8380% | 5,994 |
| Net charge-offs to loans | 0.0782% | 4,889 |
| Credit loss provision to net charge-offs | -175.4386% | 6,374 |
| Earnings coverage of net charge-offs (x) | -3.7719% | 5,891 |
| Efficiency ratio | 104.9188% | 429 |
| Assets per employee ($millions) | 5.6112% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8922% | 6,282 |
| Loan loss allowance to noncurrent loans | 122.1601% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 0.9808% | 4,067 |
| Noncurrent loans to loans | 0.7304% | 4,717 |
| Net loans and leases to total assets | 43.2866% | 5,883 |
| Net loans and leases to deposits | 47.2806% | 6,156 |
| Net loans and leases to core deposits | 90.2501% | 1,806 |
| Total domestic deposits to total assets | 91.5526% | 325 |
| Equity capital to assets | 8.1955% | 6,282 |
| Core capital (leverage) ratio | 8.0827% | 6,110 |
| Tier 1 risk-based capital ratio | 19.7131% | 1,747 |
| Total risk-based capital ratio | 20.6676% | 1,800 |
| Memoranda: | ||
| Average total assets | $161,122,000 | 3,608 |
| Average earning assets | $151,226,600 | 3,523 |
| Average equity | $13,722,600 | 4,220 |
| Average total loans | $72,871,200 | 4,238 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5682% | 6,432 |
| Cost of funding earning assets | 0.9012% | 2,163 |
| Net interest margin | 2.6670% | 6,689 |
| Noninterest income to average assets | 0.2310% | 5,893 |
| Noninterest expense to average assets | 2.9517% | 3,400 |
| Loan and lease loss provision to assets | -0.0837% | 7,023 |
| Net operating income to assets | -0.1406% | 6,444 |
| Return on assets (ROA) | -0.1406% | 6,526 |
| Pretax return on assets | -0.1406% | 6,506 |
| Return on Equity (ROE) | -1.6345% | 6,542 |
| Retained earnings to average equity (ytd only) | -1.6345% | 6,352 |
| Net charge-offs to loans | 0.1064% | 4,325 |
| Credit loss provision to net charge-offs | -172.4138% | 6,310 |
| Earnings coverage of net charge-offs (x) | -4.6207% | 5,701 |
| Efficiency ratio | 108.2234% | 336 |
| Assets per employee ($millions) | 4.9875% | 2,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8958% | 6,395 |
| Loan loss allowance to noncurrent loans | 121.7472% | 2,746 |
| Noncurrent assets plus other real estate owned to assets | 1.0685% | 4,150 |
| Noncurrent loans to loans | 0.7358% | 4,955 |
| Net loans and leases to total assets | 46.8692% | 5,673 |
| Net loans and leases to deposits | 51.5919% | 6,002 |
| Net loans and leases to core deposits | 105.0187% | 806 |
| Total domestic deposits to total assets | 90.8461% | 454 |
| Equity capital to assets | 8.8888% | 5,933 |
| Core capital (leverage) ratio | 8.4818% | 5,774 |
| Tier 1 risk-based capital ratio | 20.3731% | 1,665 |
| Total risk-based capital ratio | 21.3624% | 1,699 |
| Memoranda: | ||
| Average total assets | $159,318,500 | 3,673 |
| Average earning assets | $149,130,000 | 3,604 |
| Average equity | $13,704,250 | 4,261 |
| Average total loans | $72,708,250 | 4,303 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5693% | 6,519 |
| Cost of funding earning assets | 0.9749% | 1,908 |
| Net interest margin | 2.5944% | 6,821 |
| Noninterest income to average assets | 0.2262% | 5,948 |
| Noninterest expense to average assets | 3.0680% | 3,023 |
| Loan and lease loss provision to assets | -0.1243% | 7,120 |
| Net operating income to assets | -0.2959% | 6,612 |
| Return on assets (ROA) | -0.2959% | 6,672 |
| Pretax return on assets | -0.2959% | 6,637 |
| Return on Equity (ROE) | -3.4767% | 6,700 |
| Retained earnings to average equity (ytd only) | -3.4767% | 6,507 |
| Net charge-offs to loans | 0.1571% | 3,663 |
| Credit loss provision to net charge-offs | -175.4386% | 6,124 |
| Earnings coverage of net charge-offs (x) | -5.9298% | 5,452 |
| Efficiency ratio | 115.8685% | 257 |
| Assets per employee ($millions) | 5.9856% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 6,387 |
| Loan loss allowance to noncurrent loans | 410.0000% | 889 |
| Noncurrent assets plus other real estate owned to assets | 1.3580% | 3,721 |
| Noncurrent loans to loans | 0.2263% | 6,125 |
| Net loans and leases to total assets | 41.8039% | 6,200 |
| Net loans and leases to deposits | 45.6418% | 6,465 |
| Net loans and leases to core deposits | 88.9315% | 2,108 |
| Total domestic deposits to total assets | 91.5911% | 294 |
| Equity capital to assets | 8.1589% | 6,483 |
| Core capital (leverage) ratio | 7.9045% | 6,366 |
| Tier 1 risk-based capital ratio | 19.3546% | 1,885 |
| Total risk-based capital ratio | 20.3031% | 1,936 |
| Memoranda: | ||
| Average total assets | $160,887,670 | 3,644 |
| Average earning assets | $150,168,670 | 3,600 |
| Average equity | $13,691,330 | 4,260 |
| Average total loans | $72,571,000 | 4,327 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7631% | 6,319 |
| Cost of funding earning assets | 0.9968% | 1,998 |
| Net interest margin | 2.7664% | 6,683 |
| Noninterest income to average assets | 0.1244% | 6,632 |
| Noninterest expense to average assets | 3.3111% | 2,253 |
| Loan and lease loss provision to assets | -0.2539% | 7,220 |
| Net operating income to assets | -0.3606% | 6,741 |
| Return on assets (ROA) | -0.3606% | 6,782 |
| Pretax return on assets | -0.3606% | 6,760 |
| Return on Equity (ROE) | -4.1460% | 6,818 |
| Retained earnings to average equity (ytd only) | -4.1460% | 6,513 |
| Net charge-offs to loans | 0.3102% | 2,417 |
| Credit loss provision to net charge-offs | -175.4386% | 5,569 |
| Earnings coverage of net charge-offs (x) | -4.2456% | 4,655 |
| Efficiency ratio | 122.7872% | 197 |
| Assets per employee ($millions) | 4.9492% | 2,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9109% | 6,511 |
| Loan loss allowance to noncurrent loans | 336.4103% | 984 |
| Noncurrent assets plus other real estate owned to assets | 2.9904% | 1,937 |
| Noncurrent loans to loans | 0.2708% | 6,140 |
| Net loans and leases to total assets | 46.5129% | 5,732 |
| Net loans and leases to deposits | 51.2485% | 6,045 |
| Net loans and leases to core deposits | 110.6456% | 516 |
| Total domestic deposits to total assets | 90.7596% | 659 |
| Equity capital to assets | 8.9764% | 5,530 |
| Core capital (leverage) ratio | 8.7552% | 5,192 |
| Tier 1 risk-based capital ratio | 20.1501% | 1,671 |
| Total risk-based capital ratio | 21.1116% | 1,718 |
| Memoranda: | ||
| Average total assets | $157,533,000 | 3,733 |
| Average earning assets | $146,474,000 | 3,691 |
| Average equity | $13,700,000 | 4,257 |
| Average total loans | $73,497,500 | 4,331 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9589% | 6,532 |
| Cost of funding earning assets | 1.2102% | 1,964 |
| Net interest margin | 2.7487% | 6,883 |
| Noninterest income to average assets | 0.3888% | 4,714 |
| Noninterest expense to average assets | 2.9291% | 3,848 |
| Loan and lease loss provision to assets | 0.0077% | 6,436 |
| Net operating income to assets | 0.0169% | 6,006 |
| Return on assets (ROA) | 0.0359% | 6,094 |
| Pretax return on assets | 0.0545% | 6,042 |
| Return on Equity (ROE) | 0.4114% | 6,082 |
| Retained earnings to average equity (ytd only) | 0.4114% | 5,640 |
| Net charge-offs to loans | 0.0950% | 5,396 |
| Credit loss provision to net charge-offs | 16.0000% | 5,958 |
| Earnings coverage of net charge-offs (x) | 0.6933% | 5,290 |
| Efficiency ratio | 98.8737% | 707 |
| Assets per employee ($millions) | 4.8982% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0843% | 5,876 |
| Loan loss allowance to noncurrent loans | 39.3514% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 3.2256% | 1,853 |
| Noncurrent loans to loans | 2.7555% | 2,371 |
| Net loans and leases to total assets | 45.8816% | 6,022 |
| Net loans and leases to deposits | 50.2272% | 6,351 |
| Net loans and leases to core deposits | 102.0924% | 1,020 |
| Total domestic deposits to total assets | 91.3482% | 378 |
| Equity capital to assets | 8.4310% | 6,222 |
| Core capital (leverage) ratio | 8.4813% | 5,591 |
| Tier 1 risk-based capital ratio | 19.4841% | 1,767 |
| Total risk-based capital ratio | 20.6492% | 1,761 |
| Memoranda: | ||
| Average total assets | $155,848,800 | 3,707 |
| Average earning assets | $145,924,000 | 3,640 |
| Average equity | $13,612,800 | 4,212 |
| Average total loans | $78,907,400 | 4,174 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0527% | 6,498 |
| Cost of funding earning assets | 1.2809% | 1,814 |
| Net interest margin | 2.7718% | 6,919 |
| Noninterest income to average assets | 0.3653% | 4,949 |
| Noninterest expense to average assets | 2.9412% | 3,771 |
| Loan and lease loss provision to assets | 0.0104% | 6,304 |
| Net operating income to assets | 0.0072% | 6,144 |
| Return on assets (ROA) | 0.0328% | 6,203 |
| Pretax return on assets | 0.0501% | 6,159 |
| Return on Equity (ROE) | 0.3723% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.3723% | 5,843 |
| Net charge-offs to loans | 0.1252% | 4,789 |
| Credit loss provision to net charge-offs | 16.0000% | 5,608 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 5,361 |
| Efficiency ratio | 99.2713% | 684 |
| Assets per employee ($millions) | 4.7225% | 2,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0483% | 6,056 |
| Loan loss allowance to noncurrent loans | 39.0115% | 5,682 |
| Noncurrent assets plus other real estate owned to assets | 3.4022% | 1,859 |
| Noncurrent loans to loans | 2.6871% | 2,597 |
| Net loans and leases to total assets | 49.2451% | 5,805 |
| Net loans and leases to deposits | 54.0683% | 6,208 |
| Net loans and leases to core deposits | 114.5741% | 540 |
| Total domestic deposits to total assets | 91.0794% | 412 |
| Equity capital to assets | 8.7345% | 6,046 |
| Core capital (leverage) ratio | 8.6821% | 5,438 |
| Tier 1 risk-based capital ratio | 18.6496% | 2,049 |
| Total risk-based capital ratio | 19.7662% | 2,045 |
| Memoranda: | ||
| Average total assets | $154,400,500 | 3,751 |
| Average earning assets | $144,691,500 | 3,686 |
| Average equity | $13,609,000 | 4,214 |
| Average total loans | $79,890,000 | 4,176 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1730% | 6,340 |
| Cost of funding earning assets | 1.3380% | 1,712 |
| Net interest margin | 2.8350% | 6,880 |
| Noninterest income to average assets | 0.3599% | 5,002 |
| Noninterest expense to average assets | 2.9249% | 3,922 |
| Loan and lease loss provision to assets | 0.0156% | 6,086 |
| Net operating income to assets | 0.0559% | 6,104 |
| Return on assets (ROA) | 0.0559% | 6,185 |
| Pretax return on assets | 0.0819% | 6,131 |
| Return on Equity (ROE) | 0.6320% | 6,163 |
| Retained earnings to average equity (ytd only) | 0.6320% | 5,605 |
| Net charge-offs to loans | 0.1859% | 4,048 |
| Credit loss provision to net charge-offs | 16.0000% | 5,189 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 4,544 |
| Efficiency ratio | 96.7756% | 843 |
| Assets per employee ($millions) | 4.7077% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0872% | 6,007 |
| Loan loss allowance to noncurrent loans | 244.1441% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 2.2246% | 2,949 |
| Noncurrent loans to loans | 0.4453% | 6,018 |
| Net loans and leases to total assets | 47.6116% | 6,094 |
| Net loans and leases to deposits | 52.3027% | 6,443 |
| Net loans and leases to core deposits | 110.6431% | 703 |
| Total domestic deposits to total assets | 91.0307% | 489 |
| Equity capital to assets | 8.7884% | 5,834 |
| Core capital (leverage) ratio | 8.6721% | 5,270 |
| Tier 1 risk-based capital ratio | 18.0919% | 2,142 |
| Total risk-based capital ratio | 19.1747% | 2,154 |
| Memoranda: | ||
| Average total assets | $153,920,330 | 3,779 |
| Average earning assets | $144,548,330 | 3,720 |
| Average equity | $13,608,000 | 4,194 |
| Average total loans | $80,667,670 | 4,188 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 6,156 |
| Cost of funding earning assets | 1.3402% | 1,949 |
| Net interest margin | 2.9074% | 6,748 |
| Noninterest income to average assets | 0.3864% | 4,825 |
| Noninterest expense to average assets | 2.9816% | 3,721 |
| Loan and lease loss provision to assets | 0.0313% | 5,578 |
| Net operating income to assets | 0.0757% | 6,154 |
| Return on assets (ROA) | 0.0757% | 6,212 |
| Pretax return on assets | 0.1149% | 6,139 |
| Return on Equity (ROE) | 0.8539% | 6,178 |
| Retained earnings to average equity (ytd only) | 0.8539% | 5,488 |
| Net charge-offs to loans | -0.0144% | 6,462 |
| Credit loss provision to net charge-offs | -400.0000% | 5,919 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3255% | 964 |
| Assets per employee ($millions) | 4.6793% | 2,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 6,042 |
| Loan loss allowance to noncurrent loans | 33.3583% | 6,077 |
| Noncurrent assets plus other real estate owned to assets | 2.1261% | 3,155 |
| Noncurrent loans to loans | 3.2995% | 2,279 |
| Net loans and leases to total assets | 51.8466% | 5,600 |
| Net loans and leases to deposits | 56.9911% | 6,029 |
| Net loans and leases to core deposits | 120.0588% | 416 |
| Total domestic deposits to total assets | 90.9731% | 641 |
| Equity capital to assets | 8.8267% | 5,452 |
| Core capital (leverage) ratio | 8.7923% | 4,944 |
| Tier 1 risk-based capital ratio | 17.8255% | 2,176 |
| Total risk-based capital ratio | 18.9959% | 2,167 |
| Memoranda: | ||
| Average total assets | $153,204,000 | 3,829 |
| Average earning assets | $144,460,500 | 3,741 |
| Average equity | $13,585,500 | 4,193 |
| Average total loans | $83,612,000 | 4,142 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 6,297 |
| Cost of funding earning assets | 1.4147% | 3,168 |
| Net interest margin | 3.1210% | 6,464 |
| Noninterest income to average assets | 0.2655% | 5,889 |
| Noninterest expense to average assets | 3.0736% | 3,577 |
| Loan and lease loss provision to assets | 0.2130% | 5,127 |
| Net operating income to assets | -0.0718% | 5,955 |
| Return on assets (ROA) | -0.0718% | 6,029 |
| Pretax return on assets | -0.0718% | 5,976 |
| Return on Equity (ROE) | -0.9176% | 6,058 |
| Retained earnings to average equity (ytd only) | -0.9176% | 5,792 |
| Net charge-offs to loans | 0.1618% | 5,367 |
| Credit loss provision to net charge-offs | 238.4615% | 1,217 |
| Earnings coverage of net charge-offs (x) | 1.5804% | 4,552 |
| Efficiency ratio | 95.6082% | 983 |
| Assets per employee ($millions) | 4.6058% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 6,310 |
| Loan loss allowance to noncurrent loans | 382.5328% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.5533% | 5,925 |
| Noncurrent loans to loans | 0.2654% | 6,531 |
| Net loans and leases to total assets | 56.1856% | 5,316 |
| Net loans and leases to deposits | 61.8357% | 5,858 |
| Net loans and leases to core deposits | 131.9464% | 306 |
| Total domestic deposits to total assets | 90.8626% | 666 |
| Equity capital to assets | 8.9091% | 5,274 |
| Core capital (leverage) ratio | 8.5728% | 5,237 |
| Tier 1 risk-based capital ratio | 17.1621% | 2,291 |
| Total risk-based capital ratio | 18.2764% | 2,303 |
| Memoranda: | ||
| Average total assets | $160,074,000 | 3,697 |
| Average earning assets | $151,263,600 | 3,617 |
| Average equity | $12,532,200 | 4,472 |
| Average total loans | $88,372,800 | 4,097 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 6,556 |
| Cost of funding earning assets | 1.4219% | 3,445 |
| Net interest margin | 3.0998% | 6,613 |
| Noninterest income to average assets | 0.2936% | 5,780 |
| Noninterest expense to average assets | 2.8633% | 4,228 |
| Loan and lease loss provision to assets | 0.1382% | 5,648 |
| Net operating income to assets | 0.1456% | 5,649 |
| Return on assets (ROA) | 0.1456% | 5,809 |
| Pretax return on assets | 0.2204% | 5,679 |
| Return on Equity (ROE) | 1.9217% | 5,634 |
| Retained earnings to average equity (ytd only) | 1.9217% | 4,995 |
| Net charge-offs to loans | 0.1845% | 4,847 |
| Credit loss provision to net charge-offs | 136.5854% | 2,927 |
| Earnings coverage of net charge-offs (x) | 3.5446% | 3,404 |
| Efficiency ratio | 88.8690% | 1,377 |
| Assets per employee ($millions) | 4.4383% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8101% | 6,982 |
| Loan loss allowance to noncurrent loans | 67.5070% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.8906% | 3,624 |
| Noncurrent loans to loans | 1.2000% | 4,842 |
| Net loans and leases to total assets | 58.6662% | 5,156 |
| Net loans and leases to deposits | 64.7520% | 5,815 |
| Net loans and leases to core deposits | 138.3828% | 274 |
| Total domestic deposits to total assets | 90.6012% | 596 |
| Equity capital to assets | 9.1662% | 5,359 |
| Core capital (leverage) ratio | 8.9798% | 4,727 |
| Tier 1 risk-based capital ratio | 16.7672% | 2,422 |
| Total risk-based capital ratio | 17.6467% | 2,551 |
| Memoranda: | ||
| Average total assets | $162,094,750 | 3,714 |
| Average earning assets | $153,122,250 | 3,637 |
| Average equity | $12,280,000 | 4,604 |
| Average total loans | $88,897,750 | 4,148 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3998% | 6,897 |
| Cost of funding earning assets | 1.3877% | 3,952 |
| Net interest margin | 3.0120% | 6,804 |
| Noninterest income to average assets | 0.2846% | 5,865 |
| Noninterest expense to average assets | 2.7233% | 4,822 |
| Loan and lease loss provision to assets | 0.1399% | 5,496 |
| Net operating income to assets | 0.1845% | 5,616 |
| Return on assets (ROA) | 0.1845% | 5,736 |
| Pretax return on assets | 0.2774% | 5,572 |
| Return on Equity (ROE) | 2.6015% | 5,413 |
| Retained earnings to average equity (ytd only) | 2.6015% | 4,484 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7127% | 1,628 |
| Assets per employee ($millions) | 4.4504% | 2,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8364% | 6,946 |
| Loan loss allowance to noncurrent loans | 26.5819% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 1.9741% | 3,525 |
| Noncurrent loans to loans | 3.1463% | 2,547 |
| Net loans and leases to total assets | 62.2171% | 4,639 |
| Net loans and leases to deposits | 67.6721% | 5,593 |
| Net loans and leases to core deposits | 140.6679% | 283 |
| Total domestic deposits to total assets | 91.9392% | 228 |
| Equity capital to assets | 7.8170% | 6,909 |
| Core capital (leverage) ratio | 6.8960% | 7,244 |
| Tier 1 risk-based capital ratio | 13.6128% | 3,997 |
| Total risk-based capital ratio | 14.5306% | 4,185 |
| Memoranda: | ||
| Average total assets | $165,825,330 | 3,678 |
| Average earning assets | $157,235,330 | 3,568 |
| Average equity | $11,762,670 | 4,741 |
| Average total loans | $88,779,670 | 4,181 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 7,091 |
| Cost of funding earning assets | 1.3356% | 4,594 |
| Net interest margin | 2.9905% | 6,849 |
| Noninterest income to average assets | 0.2611% | 6,057 |
| Noninterest expense to average assets | 2.5629% | 5,503 |
| Loan and lease loss provision to assets | 0.0832% | 5,807 |
| Net operating income to assets | 0.2981% | 5,308 |
| Return on assets (ROA) | 0.2981% | 5,439 |
| Pretax return on assets | 0.4507% | 5,132 |
| Return on Equity (ROE) | 4.3990% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.3990% | 3,512 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7612% | 2,170 |
| Assets per employee ($millions) | 4.8253% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8428% | 7,021 |
| Loan loss allowance to noncurrent loans | 270.4545% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 7,077 |
| Noncurrent loans to loans | 0.3116% | 6,694 |
| Net loans and leases to total assets | 51.2047% | 6,352 |
| Net loans and leases to deposits | 55.3432% | 6,820 |
| Net loans and leases to core deposits | 96.8358% | 2,484 |
| Total domestic deposits to total assets | 92.5222% | 166 |
| Equity capital to assets | 7.1889% | 7,290 |
| Core capital (leverage) ratio | 6.7473% | 7,376 |
| Tier 1 risk-based capital ratio | 13.6352% | 3,904 |
| Total risk-based capital ratio | 14.4636% | 4,153 |
| Memoranda: | ||
| Average total assets | $173,082,000 | 3,609 |
| Average earning assets | $164,117,000 | 3,491 |
| Average equity | $11,730,000 | 4,782 |
| Average total loans | $85,701,500 | 4,330 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6096% | 7,273 |
| Cost of funding earning assets | 1.6367% | 4,862 |
| Net interest margin | 2.9729% | 6,711 |
| Noninterest income to average assets | 0.3826% | 5,357 |
| Noninterest expense to average assets | 2.5970% | 5,810 |
| Loan and lease loss provision to assets | 0.2531% | 5,371 |
| Net operating income to assets | 0.2371% | 4,769 |
| Return on assets (ROA) | 0.2371% | 4,847 |
| Pretax return on assets | 0.3482% | 4,647 |
| Return on Equity (ROE) | 3.5360% | 4,270 |
| Retained earnings to average equity (ytd only) | 3.5360% | 2,701 |
| Net charge-offs to loans | 0.2469% | 5,080 |
| Credit loss provision to net charge-offs | 224.2105% | 1,672 |
| Earnings coverage of net charge-offs (x) | 5.3263% | 2,633 |
| Efficiency ratio | 81.2001% | 2,712 |
| Assets per employee ($millions) | 5.5183% | 1,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 7,187 |
| Loan loss allowance to noncurrent loans | 42.7491% | 5,560 |
| Noncurrent assets plus other real estate owned to assets | 0.8709% | 5,372 |
| Noncurrent loans to loans | 1.8297% | 3,884 |
| Net loans and leases to total assets | 47.2282% | 6,877 |
| Net loans and leases to deposits | 50.6049% | 7,222 |
| Net loans and leases to core deposits | 89.0810% | 5,216 |
| Total domestic deposits to total assets | 93.3275% | 107 |
| Equity capital to assets | 6.4062% | 7,582 |
| Core capital (leverage) ratio | 7.3511% | 6,937 |
| Tier 1 risk-based capital ratio | 12.8509% | 4,245 |
| Total risk-based capital ratio | 13.6004% | 4,601 |
| Memoranda: | ||
| Average total assets | $168,309,200 | 3,637 |
| Average earning assets | $159,407,600 | 3,532 |
| Average equity | $11,284,000 | 4,947 |
| Average total loans | $76,943,400 | 4,623 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6949% | 7,294 |
| Cost of funding earning assets | 1.7444% | 4,670 |
| Net interest margin | 2.9504% | 6,730 |
| Noninterest income to average assets | 0.3898% | 5,383 |
| Noninterest expense to average assets | 2.6365% | 5,574 |
| Loan and lease loss provision to assets | 0.0720% | 6,635 |
| Net operating income to assets | 0.3122% | 4,752 |
| Return on assets (ROA) | 0.3122% | 4,857 |
| Pretax return on assets | 0.4731% | 4,604 |
| Return on Equity (ROE) | 4.5998% | 4,115 |
| Retained earnings to average equity (ytd only) | 4.5998% | 2,702 |
| Net charge-offs to loans | 0.1288% | 5,407 |
| Credit loss provision to net charge-offs | 123.6111% | 4,077 |
| Earnings coverage of net charge-offs (x) | 9.3608% | 2,119 |
| Efficiency ratio | 82.8673% | 2,449 |
| Assets per employee ($millions) | 5.0251% | 2,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5919% | 7,593 |
| Loan loss allowance to noncurrent loans | 1,207.8947% | 309 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 7,534 |
| Noncurrent loans to loans | 0.0490% | 7,383 |
| Net loans and leases to total assets | 46.4864% | 7,068 |
| Net loans and leases to deposits | 50.0848% | 7,407 |
| Net loans and leases to core deposits | 89.6945% | 5,463 |
| Total domestic deposits to total assets | 92.8154% | 98 |
| Equity capital to assets | 6.8752% | 7,651 |
| Core capital (leverage) ratio | 6.6196% | 7,622 |
| Tier 1 risk-based capital ratio | 13.5873% | 3,785 |
| Total risk-based capital ratio | 14.1346% | 4,208 |
| Memoranda: | ||
| Average total assets | $164,860,250 | 3,708 |
| Average earning assets | $155,996,500 | 3,620 |
| Average equity | $11,188,500 | 5,023 |
| Average total loans | $74,508,500 | 4,752 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 7,421 |
| Cost of funding earning assets | 1.7938% | 4,795 |
| Net interest margin | 2.8766% | 6,854 |
| Noninterest income to average assets | 0.4133% | 5,173 |
| Noninterest expense to average assets | 2.6037% | 5,727 |
| Loan and lease loss provision to assets | 0.0693% | 6,509 |
| Net operating income to assets | 0.3027% | 4,886 |
| Return on assets (ROA) | 0.3027% | 4,997 |
| Pretax return on assets | 0.4595% | 4,752 |
| Return on Equity (ROE) | 4.4794% | 4,312 |
| Retained earnings to average equity (ytd only) | 4.4794% | 2,803 |
| Net charge-offs to loans | 0.1007% | 5,155 |
| Credit loss provision to net charge-offs | 154.0541% | 2,982 |
| Earnings coverage of net charge-offs (x) | 11.7568% | 1,875 |
| Efficiency ratio | 83.1199% | 2,588 |
| Assets per employee ($millions) | 5.4310% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6162% | 7,604 |
| Loan loss allowance to noncurrent loans | 334.7826% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 7,391 |
| Noncurrent loans to loans | 0.1840% | 7,057 |
| Net loans and leases to total assets | 41.5781% | 7,474 |
| Net loans and leases to deposits | 44.4809% | 7,686 |
| Net loans and leases to core deposits | 74.7602% | 6,746 |
| Total domestic deposits to total assets | 93.4741% | 79 |
| Equity capital to assets | 6.2514% | 7,882 |
| Core capital (leverage) ratio | 5.5767% | 7,977 |
| Tier 1 risk-based capital ratio | 13.2890% | 3,948 |
| Total risk-based capital ratio | 13.8343% | 4,372 |
| Memoranda: | ||
| Average total assets | $164,538,000 | 3,726 |
| Average earning assets | $155,532,330 | 3,639 |
| Average equity | $11,117,670 | 5,052 |
| Average total loans | $73,496,000 | 4,827 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8382% | 7,309 |
| Cost of funding earning assets | 1.8868% | 4,703 |
| Net interest margin | 2.9514% | 6,609 |
| Noninterest income to average assets | 0.5064% | 4,270 |
| Noninterest expense to average assets | 2.5497% | 5,651 |
| Loan and lease loss provision to assets | 0.1450% | 5,092 |
| Net operating income to assets | 0.3944% | 4,878 |
| Return on assets (ROA) | 0.3944% | 5,056 |
| Pretax return on assets | 0.5980% | 4,756 |
| Return on Equity (ROE) | 5.5984% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.5984% | 2,824 |
| Net charge-offs to loans | 0.2034% | 3,414 |
| Credit loss provision to net charge-offs | 154.0541% | 2,710 |
| Earnings coverage of net charge-offs (x) | 7.8919% | 2,278 |
| Efficiency ratio | 77.4343% | 3,266 |
| Assets per employee ($millions) | 5.6737% | 1,418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6342% | 7,597 |
| Loan loss allowance to noncurrent loans | 180.4688% | 1,826 |
| Noncurrent assets plus other real estate owned to assets | 0.1504% | 7,120 |
| Noncurrent loans to loans | 0.3514% | 6,553 |
| Net loans and leases to total assets | 42.5245% | 7,434 |
| Net loans and leases to deposits | 45.6297% | 7,677 |
| Net loans and leases to core deposits | 78.6947% | 6,485 |
| Total domestic deposits to total assets | 93.1949% | 70 |
| Equity capital to assets | 6.5319% | 7,861 |
| Core capital (leverage) ratio | 7.4360% | 7,229 |
| Tier 1 risk-based capital ratio | 14.0070% | 3,585 |
| Total risk-based capital ratio | 14.5867% | 3,887 |
| Memoranda: | ||
| Average total assets | $157,195,000 | 3,880 |
| Average earning assets | $148,402,500 | 3,785 |
| Average equity | $11,074,500 | 5,087 |
| Average total loans | $72,754,000 | 4,878 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 7,683 |
| Cost of funding earning assets | 2.1998% | 5,599 |
| Net interest margin | 3.0069% | 6,891 |
| Noninterest income to average assets | 0.4056% | 5,424 |
| Noninterest expense to average assets | 2.5675% | 5,760 |
| Loan and lease loss provision to assets | 0.0246% | 7,093 |
| Net operating income to assets | 0.4321% | 5,022 |
| Return on assets (ROA) | 0.4321% | 4,844 |
| Pretax return on assets | 0.6548% | 4,532 |
| Return on Equity (ROE) | 6.3984% | 3,798 |
| Retained earnings to average equity (ytd only) | 6.3984% | 1,365 |
| Net charge-offs to loans | 0.0092% | 6,801 |
| Credit loss provision to net charge-offs | 650.0000% | 653 |
| Earnings coverage of net charge-offs (x) | 179.5000% | 257 |
| Efficiency ratio | 79.0752% | 2,741 |
| Assets per employee ($millions) | 4.6510% | 2,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6083% | 7,664 |
| Loan loss allowance to noncurrent loans | 409.2593% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.2920% | 6,418 |
| Noncurrent loans to loans | 0.1486% | 6,965 |
| Net loans and leases to total assets | 50.0922% | 7,025 |
| Net loans and leases to deposits | 54.4122% | 7,411 |
| Net loans and leases to core deposits | 108.1944% | 3,945 |
| Total domestic deposits to total assets | 92.0606% | 125 |
| Equity capital to assets | 7.6509% | 7,258 |
| Core capital (leverage) ratio | 7.3158% | 7,397 |
| Tier 1 risk-based capital ratio | 14.4409% | 3,326 |
| Total risk-based capital ratio | 15.0185% | 3,579 |
| Memoranda: | ||
| Average total assets | $158,521,200 | 3,746 |
| Average earning assets | $149,787,600 | 3,661 |
| Average equity | $10,705,800 | 5,213 |
| Average total loans | $65,206,200 | 5,052 |