Home > Vision Bank - Texas > Performance and Condition Ratios
Vision Bank - Texas, Performance and Condition Ratios
| 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 | 4.1879% | 2,588 |
| Cost of funding earning assets | 0.5956% | 1,448 |
| Net interest margin | 3.5922% | 3,120 |
| Noninterest income to average assets | 0.1910% | 5,533 |
| Noninterest expense to average assets | 2.0848% | 5,375 |
| Loan and lease loss provision to assets | 0.0423% | 3,264 |
| Net operating income to assets | 0.9908% | 2,433 |
| Return on assets (ROA) | 0.9279% | 2,863 |
| Pretax return on assets | 1.3501% | 2,182 |
| Return on Equity (ROE) | 9.0201% | 2,528 |
| Retained earnings to average equity (ytd only) | 9.0201% | 916 |
| Net charge-offs to loans | 0.5337% | 459 |
| Credit loss provision to net charge-offs | 10.7438% | 3,095 |
| Earnings coverage of net charge-offs (x) | 3.7658% | 3,138 |
| Efficiency ratio | 58.4246% | 5,172 |
| Assets per employee ($millions) | 8.8104% | 396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 3,657 |
| Loan loss allowance to noncurrent loans | 1,013.5802% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0876% | 5,512 |
| Noncurrent loans to loans | 0.1206% | 5,278 |
| Net loans and leases to total assets | 71.7105% | 2,044 |
| Net loans and leases to deposits | 80.2499% | 2,755 |
| Net loans and leases to core deposits | 96.0335% | 1,795 |
| Total domestic deposits to total assets | 89.3589% | 970 |
| Equity capital to assets | 10.5400% | 3,397 |
| Core capital (leverage) ratio | 10.4496% | 3,027 |
| Tier 1 risk-based capital ratio | 11.1738% | 5,631 |
| Total risk-based capital ratio | 12.1127% | 5,702 |
| Memoranda: | ||
| Average total assets | $184,284,330 | 3,171 |
| Average earning assets | $173,262,670 | 3,117 |
| Average equity | $18,957,670 | 3,319 |
| Average total loans | $136,023,670 | 2,812 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2605% | 2,232 |
| Cost of funding earning assets | 0.5865% | 1,527 |
| Net interest margin | 3.6739% | 2,720 |
| Noninterest income to average assets | 0.1849% | 5,609 |
| Noninterest expense to average assets | 2.2053% | 5,128 |
| Loan and lease loss provision to assets | 0.0848% | 2,278 |
| Net operating income to assets | 0.9246% | 2,635 |
| Return on assets (ROA) | 0.8004% | 3,386 |
| Pretax return on assets | 1.1723% | 2,770 |
| Return on Equity (ROE) | 7.8776% | 3,018 |
| Retained earnings to average equity (ytd only) | 7.8776% | 1,613 |
| Net charge-offs to loans | 1.0608% | 225 |
| Credit loss provision to net charge-offs | 10.7438% | 2,428 |
| Earnings coverage of net charge-offs (x) | 1.8237% | 2,863 |
| Efficiency ratio | 60.5012% | 5,028 |
| Assets per employee ($millions) | 8.5625% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1579% | 4,218 |
| Loan loss allowance to noncurrent loans | 1,001.2195% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0871% | 5,589 |
| Noncurrent loans to loans | 0.1156% | 5,351 |
| Net loans and leases to total assets | 74.4080% | 1,440 |
| Net loans and leases to deposits | 82.9066% | 2,219 |
| Net loans and leases to core deposits | 98.4457% | 1,435 |
| Total domestic deposits to total assets | 89.7492% | 876 |
| Equity capital to assets | 10.0889% | 4,033 |
| Core capital (leverage) ratio | 10.4480% | 3,032 |
| Tier 1 risk-based capital ratio | 12.3618% | 5,001 |
| Total risk-based capital ratio | 13.4281% | 5,033 |
| Memoranda: | ||
| Average total assets | $183,917,000 | 3,190 |
| Average earning assets | $173,220,000 | 3,133 |
| Average equity | $18,686,000 | 3,370 |
| Average total loans | $136,875,500 | 2,791 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1961% | 2,969 |
| Cost of funding earning assets | 0.6622% | 1,324 |
| Net interest margin | 3.5339% | 3,669 |
| Noninterest income to average assets | 0.2229% | 5,529 |
| Noninterest expense to average assets | 2.2529% | 5,232 |
| Loan and lease loss provision to assets | 0.3146% | 642 |
| Net operating income to assets | 0.6913% | 3,939 |
| Return on assets (ROA) | 0.7228% | 3,891 |
| Pretax return on assets | 1.0225% | 3,411 |
| Return on Equity (ROE) | 7.6300% | 3,308 |
| Retained earnings to average equity (ytd only) | 7.6300% | 1,149 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5371% | 4,659 |
| Assets per employee ($millions) | 8.1572% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4900% | 2,527 |
| Loan loss allowance to noncurrent loans | 372.3485% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.2942% | 4,860 |
| Noncurrent loans to loans | 0.4002% | 4,443 |
| Net loans and leases to total assets | 72.4271% | 1,843 |
| Net loans and leases to deposits | 80.7571% | 2,628 |
| Net loans and leases to core deposits | 89.7892% | 2,304 |
| Total domestic deposits to total assets | 89.6851% | 878 |
| Equity capital to assets | 10.2346% | 3,817 |
| Core capital (leverage) ratio | 10.0882% | 3,452 |
| Tier 1 risk-based capital ratio | 12.8669% | 4,813 |
| Total risk-based capital ratio | 14.1183% | 4,726 |
| Memoranda: | ||
| Average total assets | $180,836,200 | 3,198 |
| Average earning assets | $170,037,000 | 3,154 |
| Average equity | $17,129,800 | 3,507 |
| Average total loans | $121,407,000 | 3,012 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0935% | 3,411 |
| Cost of funding earning assets | 0.6785% | 1,267 |
| Net interest margin | 3.4150% | 4,173 |
| Noninterest income to average assets | 0.2281% | 5,562 |
| Noninterest expense to average assets | 2.2379% | 5,260 |
| Loan and lease loss provision to assets | 0.2973% | 664 |
| Net operating income to assets | 0.6411% | 4,256 |
| Return on assets (ROA) | 0.6829% | 4,117 |
| Pretax return on assets | 0.9596% | 3,759 |
| Return on Equity (ROE) | 7.3559% | 3,522 |
| Retained earnings to average equity (ytd only) | 7.3559% | 1,646 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1317% | 4,346 |
| Assets per employee ($millions) | 8.6030% | 395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 3,140 |
| Loan loss allowance to noncurrent loans | 242.3957% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.3926% | 4,750 |
| Noncurrent loans to loans | 0.5802% | 4,181 |
| Net loans and leases to total assets | 66.7059% | 2,738 |
| Net loans and leases to deposits | 73.6415% | 3,478 |
| Net loans and leases to core deposits | 81.7053% | 3,129 |
| Total domestic deposits to total assets | 90.5820% | 495 |
| Equity capital to assets | 9.3514% | 4,973 |
| Core capital (leverage) ratio | 9.9815% | 3,708 |
| Tier 1 risk-based capital ratio | 13.0115% | 4,858 |
| Total risk-based capital ratio | 14.2622% | 4,785 |
| Memoranda: | ||
| Average total assets | $181,180,500 | 3,223 |
| Average earning assets | $170,185,750 | 3,184 |
| Average equity | $16,820,500 | 3,569 |
| Average total loans | $118,773,000 | 3,085 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1075% | 3,305 |
| Cost of funding earning assets | 0.7117% | 1,130 |
| Net interest margin | 3.3958% | 4,195 |
| Noninterest income to average assets | 0.2476% | 5,429 |
| Noninterest expense to average assets | 2.3083% | 5,128 |
| Loan and lease loss provision to assets | 0.3294% | 567 |
| Net operating income to assets | 0.5697% | 4,500 |
| Return on assets (ROA) | 0.6342% | 4,287 |
| Pretax return on assets | 0.8807% | 3,956 |
| Return on Equity (ROE) | 6.8491% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.8491% | 1,841 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3203% | 4,145 |
| Assets per employee ($millions) | 8.1039% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3620% | 3,534 |
| Loan loss allowance to noncurrent loans | 226.6756% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4184% | 4,752 |
| Noncurrent loans to loans | 0.6009% | 4,225 |
| Net loans and leases to total assets | 68.6896% | 2,292 |
| Net loans and leases to deposits | 76.1327% | 3,037 |
| Net loans and leases to core deposits | 84.9094% | 2,628 |
| Total domestic deposits to total assets | 90.2236% | 701 |
| Equity capital to assets | 9.6558% | 4,550 |
| Core capital (leverage) ratio | 9.8899% | 3,759 |
| Tier 1 risk-based capital ratio | 13.2363% | 4,765 |
| Total risk-based capital ratio | 14.4865% | 4,696 |
| Memoranda: | ||
| Average total assets | $178,485,670 | 3,267 |
| Average earning assets | $167,207,330 | 3,232 |
| Average equity | $16,527,670 | 3,609 |
| Average total loans | $115,680,000 | 3,142 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0236% | 3,595 |
| Cost of funding earning assets | 0.7133% | 1,168 |
| Net interest margin | 3.3103% | 4,489 |
| Noninterest income to average assets | 0.2934% | 5,026 |
| Noninterest expense to average assets | 2.4123% | 4,890 |
| Loan and lease loss provision to assets | 0.2800% | 729 |
| Net operating income to assets | 0.5159% | 4,607 |
| Return on assets (ROA) | 0.5308% | 4,617 |
| Pretax return on assets | 0.7190% | 4,420 |
| Return on Equity (ROE) | 5.8576% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.8576% | 2,617 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1361% | 3,636 |
| Assets per employee ($millions) | 8.1031% | 457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3287% | 3,966 |
| Loan loss allowance to noncurrent loans | 166.5208% | 2,447 |
| Noncurrent assets plus other real estate owned to assets | 0.5127% | 4,617 |
| Noncurrent loans to loans | 0.7979% | 3,877 |
| Net loans and leases to total assets | 63.4040% | 2,996 |
| Net loans and leases to deposits | 69.9857% | 3,602 |
| Net loans and leases to core deposits | 78.1991% | 3,180 |
| Total domestic deposits to total assets | 90.5956% | 743 |
| Equity capital to assets | 9.2585% | 4,801 |
| Core capital (leverage) ratio | 9.8906% | 3,729 |
| Tier 1 risk-based capital ratio | 13.4593% | 4,721 |
| Total risk-based capital ratio | 14.6281% | 4,709 |
| Memoranda: | ||
| Average total assets | $178,585,500 | 3,294 |
| Average earning assets | $167,115,000 | 3,254 |
| Average equity | $16,184,000 | 3,670 |
| Average total loans | $111,442,500 | 3,230 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9138% | 4,409 |
| Cost of funding earning assets | 0.7318% | 1,616 |
| Net interest margin | 3.1820% | 5,056 |
| Noninterest income to average assets | 0.2020% | 5,874 |
| Noninterest expense to average assets | 2.3535% | 5,222 |
| Loan and lease loss provision to assets | 0.0745% | 3,626 |
| Net operating income to assets | 0.5584% | 4,461 |
| Return on assets (ROA) | 0.5618% | 4,566 |
| Pretax return on assets | 0.7655% | 4,279 |
| Return on Equity (ROE) | 6.4128% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.3331% | 1,783 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8043% | 3,160 |
| Assets per employee ($millions) | 7.4543% | 614 |
| Cash dividends to net income (ytd only)* | 1.2435% | 4,266 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 4,192 |
| Loan loss allowance to noncurrent loans | 159.1116% | 2,546 |
| Noncurrent assets plus other real estate owned to assets | 1.3527% | 2,720 |
| Noncurrent loans to loans | 0.8105% | 3,946 |
| Net loans and leases to total assets | 59.7737% | 3,756 |
| Net loans and leases to deposits | 65.6430% | 4,337 |
| Net loans and leases to core deposits | 72.3388% | 4,028 |
| Total domestic deposits to total assets | 91.0588% | 549 |
| Equity capital to assets | 8.8668% | 5,185 |
| Core capital (leverage) ratio | 9.8282% | 3,806 |
| Tier 1 risk-based capital ratio | 13.2591% | 4,816 |
| Total risk-based capital ratio | 14.3318% | 4,875 |
| Memoranda: | ||
| Average total assets | $171,783,400 | 3,387 |
| Average earning assets | $161,250,600 | 3,320 |
| Average equity | $15,048,000 | 3,862 |
| Average total loans | $98,583,800 | 3,481 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8543% | 4,657 |
| Cost of funding earning assets | 0.7251% | 1,775 |
| Net interest margin | 3.1292% | 5,235 |
| Noninterest income to average assets | 0.2070% | 5,933 |
| Noninterest expense to average assets | 2.2846% | 5,392 |
| Loan and lease loss provision to assets | 0.0604% | 3,842 |
| Net operating income to assets | 0.5876% | 4,402 |
| Return on assets (ROA) | 0.5921% | 4,516 |
| Pretax return on assets | 0.8094% | 4,256 |
| Return on Equity (ROE) | 6.7813% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.6736% | 2,050 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5710% | 3,305 |
| Assets per employee ($millions) | 7.2970% | 647 |
| Cash dividends to net income (ytd only)* | 1.5894% | 3,714 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2933% | 4,428 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9188% | 3,838 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 61.2104% | 3,490 |
| Net loans and leases to deposits | 67.7161% | 4,099 |
| Net loans and leases to core deposits | 73.5888% | 3,899 |
| Total domestic deposits to total assets | 90.3927% | 794 |
| Equity capital to assets | 9.4434% | 4,621 |
| Core capital (leverage) ratio | 10.2660% | 3,292 |
| Tier 1 risk-based capital ratio | 13.9413% | 4,473 |
| Total risk-based capital ratio | 15.0412% | 4,526 |
| Memoranda: | ||
| Average total assets | $170,003,500 | 3,446 |
| Average earning assets | $159,783,250 | 3,378 |
| Average equity | $14,844,250 | 3,946 |
| Average total loans | $96,146,250 | 3,574 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7232% | 5,071 |
| Cost of funding earning assets | 0.7079% | 2,018 |
| Net interest margin | 3.0153% | 5,534 |
| Noninterest income to average assets | 0.2085% | 5,953 |
| Noninterest expense to average assets | 2.2351% | 5,541 |
| Loan and lease loss provision to assets | -0.0433% | 6,636 |
| Net operating income to assets | 0.6246% | 4,180 |
| Return on assets (ROA) | 0.6314% | 4,299 |
| Pretax return on assets | 0.8704% | 4,021 |
| Return on Equity (ROE) | 7.4297% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.2781% | 1,759 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2157% | 3,276 |
| Assets per employee ($millions) | 7.7303% | 506 |
| Cash dividends to net income (ytd only)* | 2.0408% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2717% | 4,636 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9499% | 3,886 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 58.9176% | 3,838 |
| Net loans and leases to deposits | 65.4435% | 4,329 |
| Net loans and leases to core deposits | 72.4496% | 3,990 |
| Total domestic deposits to total assets | 90.0282% | 1,006 |
| Equity capital to assets | 9.8259% | 4,151 |
| Core capital (leverage) ratio | 10.0715% | 3,414 |
| Tier 1 risk-based capital ratio | 14.7968% | 3,910 |
| Total risk-based capital ratio | 15.8714% | 3,982 |
| Memoranda: | ||
| Average total assets | $170,727,670 | 3,449 |
| Average earning assets | $161,043,670 | 3,380 |
| Average equity | $14,509,330 | 4,047 |
| Average total loans | $93,503,000 | 3,645 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4534% | 5,826 |
| Cost of funding earning assets | 0.6839% | 2,353 |
| Net interest margin | 2.7694% | 6,093 |
| Noninterest income to average assets | 0.2401% | 5,743 |
| Noninterest expense to average assets | 2.1541% | 5,792 |
| Loan and lease loss provision to assets | 0.0892% | 3,178 |
| Net operating income to assets | 0.4676% | 4,835 |
| Return on assets (ROA) | 0.4779% | 4,948 |
| Pretax return on assets | 0.6403% | 4,801 |
| Return on Equity (ROE) | 6.0630% | 4,006 |
| Retained earnings to average equity (ytd only) | 5.7439% | 2,816 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0598% | 3,089 |
| Assets per employee ($millions) | 8.2658% | 444 |
| Cash dividends to net income (ytd only)* | 5.2632% | 2,575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3960% | 4,253 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8883% | 4,166 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 53.2259% | 4,526 |
| Net loans and leases to deposits | 57.8935% | 5,050 |
| Net loans and leases to core deposits | 64.3577% | 4,705 |
| Total domestic deposits to total assets | 91.9375% | 258 |
| Equity capital to assets | 7.9594% | 6,398 |
| Core capital (leverage) ratio | 8.3636% | 5,750 |
| Tier 1 risk-based capital ratio | 12.8030% | 5,368 |
| Total risk-based capital ratio | 13.9972% | 5,352 |
| Memoranda: | ||
| Average total assets | $174,923,000 | 3,412 |
| Average earning assets | $166,098,000 | 3,344 |
| Average equity | $13,788,500 | 4,234 |
| Average total loans | $91,816,000 | 3,698 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0103% | 5,267 |
| Cost of funding earning assets | 0.8985% | 1,944 |
| Net interest margin | 3.1118% | 5,789 |
| Noninterest income to average assets | 0.1393% | 6,342 |
| Noninterest expense to average assets | 2.4091% | 5,383 |
| Loan and lease loss provision to assets | 0.1661% | 3,533 |
| Net operating income to assets | 0.8323% | 3,132 |
| Return on assets (ROA) | 1.1008% | 2,120 |
| Pretax return on assets | 0.8149% | 4,241 |
| Return on Equity (ROE) | 11.9553% | 1,525 |
| Retained earnings to average equity (ytd only) | 11.3663% | 399 |
| Net charge-offs to loans | 0.1736% | 3,988 |
| Credit loss provision to net charge-offs | 172.2222% | 1,528 |
| Earnings coverage of net charge-offs (x) | 7.3889% | 2,614 |
| Efficiency ratio | 77.1772% | 2,569 |
| Assets per employee ($millions) | 8.3936% | 422 |
| Cash dividends to net income (ytd only)* | 4.9270% | 4,202 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 4,123 |
| Loan loss allowance to noncurrent loans | 84.6564% | 3,779 |
| Noncurrent assets plus other real estate owned to assets | 0.8504% | 4,346 |
| Noncurrent loans to loans | 1.6668% | 3,126 |
| Net loans and leases to total assets | 50.3021% | 5,127 |
| Net loans and leases to deposits | 54.6115% | 5,594 |
| Net loans and leases to core deposits | 58.9548% | 5,458 |
| Total domestic deposits to total assets | 92.1090% | 228 |
| Equity capital to assets | 7.8070% | 6,496 |
| Core capital (leverage) ratio | 8.5013% | 5,608 |
| Tier 1 risk-based capital ratio | 13.5461% | 4,718 |
| Total risk-based capital ratio | 14.7956% | 4,667 |
| Memoranda: | ||
| Average total assets | $149,350,000 | 3,786 |
| Average earning assets | $143,132,600 | 3,676 |
| Average equity | $13,751,200 | 4,213 |
| Average total loans | $82,972,400 | 3,943 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 4,937 |
| Cost of funding earning assets | 0.9420% | 1,895 |
| Net interest margin | 3.2227% | 5,642 |
| Noninterest income to average assets | 0.1421% | 6,434 |
| Noninterest expense to average assets | 2.4484% | 5,244 |
| Loan and lease loss provision to assets | 0.2281% | 2,776 |
| Net operating income to assets | 1.0134% | 2,434 |
| Return on assets (ROA) | 1.3668% | 1,429 |
| Pretax return on assets | 0.9021% | 4,089 |
| Return on Equity (ROE) | 14.1779% | 1,070 |
| Retained earnings to average equity (ytd only) | 13.5863% | 339 |
| Net charge-offs to loans | 0.2413% | 3,275 |
| Credit loss provision to net charge-offs | 165.9864% | 1,681 |
| Earnings coverage of net charge-offs (x) | 5.6529% | 2,963 |
| Efficiency ratio | 75.9130% | 2,693 |
| Assets per employee ($millions) | 7.5553% | 581 |
| Cash dividends to net income (ytd only)* | 4.1723% | 3,623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4307% | 4,240 |
| Loan loss allowance to noncurrent loans | 83.5762% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 0.9993% | 4,282 |
| Noncurrent loans to loans | 1.7118% | 3,217 |
| Net loans and leases to total assets | 57.5411% | 4,197 |
| Net loans and leases to deposits | 63.8141% | 4,735 |
| Net loans and leases to core deposits | 69.2493% | 4,584 |
| Total domestic deposits to total assets | 90.1698% | 752 |
| Equity capital to assets | 9.6403% | 5,008 |
| Core capital (leverage) ratio | 9.9710% | 3,581 |
| Tier 1 risk-based capital ratio | 14.5049% | 4,179 |
| Total risk-based capital ratio | 15.7549% | 4,149 |
| Memoranda: | ||
| Average total assets | $142,621,250 | 3,945 |
| Average earning assets | $136,446,250 | 3,820 |
| Average equity | $13,748,750 | 4,252 |
| Average total loans | $81,232,000 | 4,042 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2086% | 4,920 |
| Cost of funding earning assets | 0.9412% | 2,109 |
| Net interest margin | 3.2674% | 5,542 |
| Noninterest income to average assets | 0.1474% | 6,459 |
| Noninterest expense to average assets | 2.5151% | 5,088 |
| Loan and lease loss provision to assets | 0.3863% | 1,697 |
| Net operating income to assets | 1.2232% | 1,630 |
| Return on assets (ROA) | 1.7640% | 674 |
| Pretax return on assets | 0.9056% | 4,056 |
| Return on Equity (ROE) | 18.2992% | 473 |
| Retained earnings to average equity (ytd only) | 17.7056% | 153 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0039% | 2,591 |
| Assets per employee ($millions) | 6.6002% | 906 |
| Cash dividends to net income (ytd only)* | 3.2441% | 3,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 3,660 |
| Loan loss allowance to noncurrent loans | 989.6552% | 416 |
| Noncurrent assets plus other real estate owned to assets | 0.0999% | 6,548 |
| Noncurrent loans to loans | 0.1600% | 6,266 |
| Net loans and leases to total assets | 61.4260% | 3,545 |
| Net loans and leases to deposits | 68.1763% | 4,167 |
| Net loans and leases to core deposits | 74.3678% | 3,970 |
| Total domestic deposits to total assets | 90.0988% | 871 |
| Equity capital to assets | 9.7683% | 4,672 |
| Core capital (leverage) ratio | 10.0993% | 3,277 |
| Tier 1 risk-based capital ratio | 13.7749% | 4,610 |
| Total risk-based capital ratio | 15.0218% | 4,581 |
| Memoranda: | ||
| Average total assets | $139,793,000 | 4,017 |
| Average earning assets | $133,440,670 | 3,896 |
| Average equity | $13,476,000 | 4,304 |
| Average total loans | $78,906,000 | 4,130 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1368% | 5,335 |
| Cost of funding earning assets | 0.9525% | 2,286 |
| Net interest margin | 3.1842% | 5,821 |
| Noninterest income to average assets | 0.1546% | 6,473 |
| Noninterest expense to average assets | 2.6056% | 4,800 |
| Loan and lease loss provision to assets | 0.0642% | 4,624 |
| Net operating income to assets | 0.5281% | 4,698 |
| Return on assets (ROA) | 0.7324% | 3,959 |
| Pretax return on assets | 0.7324% | 4,680 |
| Return on Equity (ROE) | 7.6513% | 3,430 |
| Retained earnings to average equity (ytd only) | 7.0416% | 2,414 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4781% | 2,008 |
| Assets per employee ($millions) | 6.9068% | 788 |
| Cash dividends to net income (ytd only)* | 7.9681% | 2,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5952% | 3,741 |
| Loan loss allowance to noncurrent loans | 813.0137% | 466 |
| Noncurrent assets plus other real estate owned to assets | 0.1057% | 6,615 |
| Noncurrent loans to loans | 0.1962% | 6,290 |
| Net loans and leases to total assets | 53.0101% | 4,881 |
| Net loans and leases to deposits | 58.7312% | 5,301 |
| Net loans and leases to core deposits | 64.3870% | 5,068 |
| Total domestic deposits to total assets | 90.2589% | 940 |
| Equity capital to assets | 9.6115% | 4,633 |
| Core capital (leverage) ratio | 9.6729% | 3,807 |
| Tier 1 risk-based capital ratio | 15.1095% | 3,682 |
| Total risk-based capital ratio | 16.3596% | 3,641 |
| Memoranda: | ||
| Average total assets | $137,087,500 | 4,087 |
| Average earning assets | $131,020,000 | 3,969 |
| Average equity | $13,122,000 | 4,384 |
| Average total loans | $73,045,000 | 4,346 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3184% | 5,706 |
| Cost of funding earning assets | 1.2658% | 1,652 |
| Net interest margin | 3.0526% | 6,444 |
| Noninterest income to average assets | -0.6719% | 7,288 |
| Noninterest expense to average assets | 2.7602% | 4,508 |
| Loan and lease loss provision to assets | -0.9497% | 7,348 |
| Net operating income to assets | 0.3966% | 4,881 |
| Return on assets (ROA) | 0.5004% | 4,632 |
| Pretax return on assets | 0.5004% | 4,990 |
| Return on Equity (ROE) | 4.7695% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.1173% | 3,256 |
| Net charge-offs to loans | -2.2093% | 7,311 |
| Credit loss provision to net charge-offs | 84.1490% | 4,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.0654% | 265 |
| Assets per employee ($millions) | 7.5577% | 558 |
| Cash dividends to net income (ytd only)* | 13.6738% | 3,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6253% | 3,488 |
| Loan loss allowance to noncurrent loans | 776.6667% | 481 |
| Noncurrent assets plus other real estate owned to assets | 0.7917% | 5,051 |
| Noncurrent loans to loans | 0.2093% | 6,326 |
| Net loans and leases to total assets | 51.8322% | 5,336 |
| Net loans and leases to deposits | 57.3823% | 5,765 |
| Net loans and leases to core deposits | 62.7063% | 5,572 |
| Total domestic deposits to total assets | 90.3278% | 798 |
| Equity capital to assets | 9.5318% | 4,831 |
| Core capital (leverage) ratio | 9.6431% | 3,809 |
| Tier 1 risk-based capital ratio | 15.1868% | 3,523 |
| Total risk-based capital ratio | 16.4384% | 3,486 |
| Memoranda: | ||
| Average total assets | $121,295,400 | 4,365 |
| Average earning assets | $114,395,400 | 4,276 |
| Average equity | $12,726,800 | 4,389 |
| Average total loans | $61,964,600 | 4,795 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3679% | 5,715 |
| Cost of funding earning assets | 1.3278% | 1,558 |
| Net interest margin | 3.0400% | 6,509 |
| Noninterest income to average assets | 0.1168% | 6,676 |
| Noninterest expense to average assets | 2.8376% | 4,202 |
| Loan and lease loss provision to assets | -1.3717% | 7,431 |
| Net operating income to assets | 1.5112% | 908 |
| Return on assets (ROA) | 1.6540% | 769 |
| Pretax return on assets | 1.6540% | 1,247 |
| Return on Equity (ROE) | 15.3574% | 773 |
| Retained earnings to average equity (ytd only) | 14.7153% | 247 |
| Net charge-offs to loans | -3.0658% | 7,390 |
| Credit loss provision to net charge-offs | 88.3857% | 3,825 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3161% | 854 |
| Assets per employee ($millions) | 7.3714% | 610 |
| Cash dividends to net income (ytd only)* | 4.1809% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6284% | 3,535 |
| Loan loss allowance to noncurrent loans | 733.1126% | 467 |
| Noncurrent assets plus other real estate owned to assets | 1.5382% | 3,784 |
| Noncurrent loans to loans | 0.2221% | 6,429 |
| Net loans and leases to total assets | 50.3994% | 5,658 |
| Net loans and leases to deposits | 56.4153% | 5,991 |
| Net loans and leases to core deposits | 61.9441% | 5,817 |
| Total domestic deposits to total assets | 89.3365% | 1,232 |
| Equity capital to assets | 10.5045% | 3,701 |
| Core capital (leverage) ratio | 10.7547% | 2,612 |
| Tier 1 risk-based capital ratio | 17.4015% | 2,484 |
| Total risk-based capital ratio | 18.6518% | 2,455 |
| Memoranda: | ||
| Average total assets | $117,609,500 | 4,488 |
| Average earning assets | $110,654,000 | 4,402 |
| Average equity | $12,666,750 | 4,412 |
| Average total loans | $59,536,500 | 4,918 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 5,798 |
| Cost of funding earning assets | 1.3994% | 1,423 |
| Net interest margin | 2.9679% | 6,663 |
| Noninterest income to average assets | 0.1084% | 6,790 |
| Noninterest expense to average assets | 2.9169% | 3,956 |
| Loan and lease loss provision to assets | -2.3485% | 7,508 |
| Net operating income to assets | 2.3129% | 217 |
| Return on assets (ROA) | 2.3520% | 219 |
| Pretax return on assets | 2.3520% | 316 |
| Return on Equity (ROE) | 21.6287% | 247 |
| Retained earnings to average equity (ytd only) | 20.9589% | 81 |
| Net charge-offs to loans | -4.7812% | 7,465 |
| Credit loss provision to net charge-offs | 97.4926% | 3,235 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2330% | 689 |
| Assets per employee ($millions) | 7.1878% | 664 |
| Cash dividends to net income (ytd only)* | 3.0967% | 3,257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6317% | 3,575 |
| Loan loss allowance to noncurrent loans | 637.6623% | 548 |
| Noncurrent assets plus other real estate owned to assets | 1.6728% | 3,670 |
| Noncurrent loans to loans | 0.2559% | 6,409 |
| Net loans and leases to total assets | 48.4475% | 6,001 |
| Net loans and leases to deposits | 54.7328% | 6,250 |
| Net loans and leases to core deposits | 60.6218% | 6,038 |
| Total domestic deposits to total assets | 88.5164% | 1,842 |
| Equity capital to assets | 11.3052% | 2,679 |
| Core capital (leverage) ratio | 11.7260% | 1,766 |
| Tier 1 risk-based capital ratio | 19.5964% | 1,691 |
| Total risk-based capital ratio | 20.8482% | 1,662 |
| Memoranda: | ||
| Average total assets | $112,584,000 | 4,640 |
| Average earning assets | $105,191,330 | 4,582 |
| Average equity | $12,243,000 | 4,495 |
| Average total loans | $56,722,000 | 5,093 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3162% | 5,969 |
| Cost of funding earning assets | 1.4506% | 1,380 |
| Net interest margin | 2.8656% | 6,808 |
| Noninterest income to average assets | 0.1039% | 6,890 |
| Noninterest expense to average assets | 2.9245% | 3,969 |
| Loan and lease loss provision to assets | 1.8037% | 320 |
| Net operating income to assets | -1.9410% | 7,271 |
| Return on assets (ROA) | -1.8593% | 7,259 |
| Pretax return on assets | -1.8593% | 7,228 |
| Return on Equity (ROE) | -17.4907% | 7,189 |
| Retained earnings to average equity (ytd only) | -18.1890% | 7,123 |
| Net charge-offs to loans | 3.7823% | 254 |
| Credit loss provision to net charge-offs | 93.4615% | 2,870 |
| Earnings coverage of net charge-offs (x) | -0.0712% | 4,630 |
| Efficiency ratio | 104.9268% | 600 |
| Assets per employee ($millions) | 6.7699% | 820 |
| Cash dividends to net income (ytd only)* | -3.9920% | 7,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 3,457 |
| Loan loss allowance to noncurrent loans | 2,125.5814% | 205 |
| Noncurrent assets plus other real estate owned to assets | 1.7846% | 3,599 |
| Noncurrent loans to loans | 0.0785% | 6,844 |
| Net loans and leases to total assets | 49.7397% | 5,886 |
| Net loans and leases to deposits | 55.6471% | 6,162 |
| Net loans and leases to core deposits | 62.0038% | 5,923 |
| Total domestic deposits to total assets | 89.3840% | 1,541 |
| Equity capital to assets | 10.4729% | 3,206 |
| Core capital (leverage) ratio | 10.7424% | 2,405 |
| Tier 1 risk-based capital ratio | 18.7101% | 1,891 |
| Total risk-based capital ratio | 19.9617% | 1,847 |
| Memoranda: | ||
| Average total assets | $107,780,000 | 4,797 |
| Average earning assets | $100,922,500 | 4,711 |
| Average equity | $11,457,500 | 4,682 |
| Average total loans | $54,992,500 | 5,214 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7503% | 5,621 |
| Cost of funding earning assets | 1.5951% | 2,097 |
| Net interest margin | 3.1552% | 6,375 |
| Noninterest income to average assets | 0.0781% | 6,998 |
| Noninterest expense to average assets | 3.0577% | 3,637 |
| Loan and lease loss provision to assets | 0.2574% | 4,733 |
| Net operating income to assets | -0.2932% | 6,204 |
| Return on assets (ROA) | 0.1519% | 5,594 |
| Pretax return on assets | 0.1519% | 5,593 |
| Return on Equity (ROE) | 1.1755% | 5,654 |
| Retained earnings to average equity (ytd only) | 0.5061% | 5,326 |
| Net charge-offs to loans | 0.0080% | 6,760 |
| Credit loss provision to net charge-offs | 6,100.0000% | 25 |
| Earnings coverage of net charge-offs (x) | -8.5000% | 6,792 |
| Efficiency ratio | 101.1867% | 741 |
| Assets per employee ($millions) | 7.1495% | 699 |
| Cash dividends to net income (ytd only)* | 56.9444% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7176% | 3,145 |
| Loan loss allowance to noncurrent loans | 469.3069% | 682 |
| Noncurrent assets plus other real estate owned to assets | 0.1884% | 6,757 |
| Noncurrent loans to loans | 0.3660% | 6,326 |
| Net loans and leases to total assets | 50.5828% | 6,103 |
| Net loans and leases to deposits | 60.0598% | 6,050 |
| Net loans and leases to core deposits | 63.2570% | 6,121 |
| Total domestic deposits to total assets | 84.2207% | 4,262 |
| Equity capital to assets | 10.7896% | 2,868 |
| Core capital (leverage) ratio | 11.3579% | 1,921 |
| Tier 1 risk-based capital ratio | 19.5949% | 1,575 |
| Total risk-based capital ratio | 20.8331% | 1,544 |
| Memoranda: | ||
| Average total assets | $94,810,000 | 5,133 |
| Average earning assets | $88,458,200 | 5,067 |
| Average equity | $12,249,600 | 4,544 |
| Average total loans | $49,752,200 | 5,493 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 5,854 |
| Cost of funding earning assets | 1.6318% | 2,200 |
| Net interest margin | 3.1178% | 6,573 |
| Noninterest income to average assets | 0.0596% | 7,228 |
| Noninterest expense to average assets | 3.0707% | 3,477 |
| Loan and lease loss provision to assets | 0.0785% | 6,262 |
| Net operating income to assets | -0.1977% | 6,317 |
| Return on assets (ROA) | 0.1498% | 5,798 |
| Pretax return on assets | 0.1498% | 5,835 |
| Return on Equity (ROE) | 1.1058% | 5,869 |
| Retained earnings to average equity (ytd only) | 0.4509% | 5,617 |
| Net charge-offs to loans | 0.0661% | 5,849 |
| Credit loss provision to net charge-offs | 225.0000% | 1,531 |
| Earnings coverage of net charge-offs (x) | -3.4166% | 6,570 |
| Efficiency ratio | 104.0394% | 637 |
| Assets per employee ($millions) | 6.7274% | 872 |
| Cash dividends to net income (ytd only)* | 59.2223% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 4,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 45.8858% | 6,705 |
| Net loans and leases to deposits | 55.3810% | 6,658 |
| Net loans and leases to core deposits | 58.3487% | 6,710 |
| Total domestic deposits to total assets | 82.8547% | 4,650 |
| Equity capital to assets | 11.9362% | 2,198 |
| Core capital (leverage) ratio | 11.8473% | 1,739 |
| Tier 1 risk-based capital ratio | 21.1770% | 1,329 |
| Total risk-based capital ratio | 22.4280% | 1,306 |
| Memoranda: | ||
| Average total assets | $91,702,000 | 5,300 |
| Average earning assets | $85,057,250 | 5,235 |
| Average equity | $12,419,250 | 4,566 |
| Average total loans | $48,391,750 | 5,624 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8551% | 5,593 |
| Cost of funding earning assets | 1.6985% | 2,125 |
| Net interest margin | 3.1566% | 6,441 |
| Noninterest income to average assets | 0.0255% | 7,446 |
| Noninterest expense to average assets | 3.2666% | 2,670 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.3241% | 6,499 |
| Return on assets (ROA) | 0.0903% | 6,003 |
| Pretax return on assets | 0.0903% | 5,996 |
| Return on Equity (ROE) | 0.6354% | 6,052 |
| Retained earnings to average equity (ytd only) | -0.0326% | 5,738 |
| Net charge-offs to loans | -0.1757% | 7,629 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.0149% | 530 |
| Assets per employee ($millions) | 5.9457% | 1,267 |
| Cash dividends to net income (ytd only)* | 105.1282% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5755% | 3,559 |
| 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 | 49.2531% | 6,522 |
| Net loans and leases to deposits | 60.6647% | 6,345 |
| Net loans and leases to core deposits | 63.7926% | 6,416 |
| Total domestic deposits to total assets | 81.1891% | 5,337 |
| Equity capital to assets | 13.0967% | 1,531 |
| Core capital (leverage) ratio | 13.1338% | 1,165 |
| Tier 1 risk-based capital ratio | 23.6583% | 980 |
| Total risk-based capital ratio | 24.9101% | 960 |
| Memoranda: | ||
| Average total assets | $86,389,670 | 5,498 |
| Average earning assets | $79,833,330 | 5,448 |
| Average equity | $12,276,330 | 4,604 |
| Average total loans | $47,812,670 | 5,694 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1188% | 4,444 |
| Cost of funding earning assets | 1.7688% | 2,018 |
| Net interest margin | 3.3500% | 5,786 |
| Noninterest income to average assets | -0.0878% | 7,746 |
| Noninterest expense to average assets | 3.5358% | 1,901 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.5755% | 6,877 |
| Return on assets (ROA) | 0.0975% | 6,133 |
| Pretax return on assets | 0.0975% | 6,145 |
| Return on Equity (ROE) | 0.6565% | 6,223 |
| Retained earnings to average equity (ytd only) | -0.0328% | 5,832 |
| Net charge-offs to loans | -0.2337% | 7,701 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.4399% | 448 |
| Assets per employee ($millions) | 6.2758% | 1,094 |
| Cash dividends to net income (ytd only)* | 105.0000% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5632% | 3,607 |
| Loan loss allowance to noncurrent loans | 541.1765% | 591 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 7,090 |
| Noncurrent loans to loans | 0.2889% | 6,749 |
| Net loans and leases to total assets | 52.7492% | 6,190 |
| Net loans and leases to deposits | 65.9138% | 5,832 |
| Net loans and leases to core deposits | 69.0814% | 5,994 |
| Total domestic deposits to total assets | 80.0275% | 5,775 |
| Equity capital to assets | 13.8742% | 1,181 |
| Core capital (leverage) ratio | 14.7559% | 799 |
| Tier 1 risk-based capital ratio | 24.9360% | 875 |
| Total risk-based capital ratio | 26.1748% | 854 |
| Memoranda: | ||
| Average total assets | $82,019,000 | 5,706 |
| Average earning assets | $74,626,500 | 5,685 |
| Average equity | $12,185,000 | 4,667 |
| Average total loans | $47,916,500 | 5,762 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8760% | 2,347 |
| Cost of funding earning assets | 1.4335% | 5,789 |
| Net interest margin | 4.4425% | 1,310 |
| Noninterest income to average assets | 0.1344% | 7,083 |
| Noninterest expense to average assets | 3.8444% | 1,612 |
| Loan and lease loss provision to assets | 3.0654% | 561 |
| Net operating income to assets | -2.6145% | 7,299 |
| Return on assets (ROA) | -2.5191% | 7,269 |
| Pretax return on assets | -2.5191% | 7,147 |
| Return on Equity (ROE) | -14.1029% | 6,884 |
| Retained earnings to average equity (ytd only) | -14.6369% | 6,865 |
| Net charge-offs to loans | 3.8102% | 459 |
| Credit loss provision to net charge-offs | 110.4688% | 4,981 |
| Earnings coverage of net charge-offs (x) | 0.1625% | 5,997 |
| Efficiency ratio | 89.5020% | 1,746 |
| Assets per employee ($millions) | 5.4412% | 1,700 |
| Cash dividends to net income (ytd only)* | -3.7866% | 7,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4523% | 3,960 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 6,186 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 63.0676% | 4,792 |
| Net loans and leases to deposits | 84.7873% | 3,123 |
| Net loans and leases to core deposits | 95.3158% | 4,536 |
| Total domestic deposits to total assets | 74.3833% | 6,963 |
| Equity capital to assets | 15.9891% | 704 |
| Core capital (leverage) ratio | 16.4304% | 558 |
| Tier 1 risk-based capital ratio | 24.8102% | 860 |
| Total risk-based capital ratio | 26.0818% | 834 |
| Memoranda: | ||
| Average total assets | $69,192,000 | 6,030 |
| Average earning assets | $64,806,200 | 5,963 |
| Average equity | $12,359,200 | 4,662 |
| Average total loans | $50,390,600 | 5,650 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8058% | 2,863 |
| Cost of funding earning assets | 1.3904% | 6,268 |
| Net interest margin | 4.4153% | 1,406 |
| Noninterest income to average assets | 0.1285% | 7,242 |
| Noninterest expense to average assets | 3.8410% | 1,523 |
| Loan and lease loss provision to assets | 4.1059% | 282 |
| Net operating income to assets | -3.6690% | 7,707 |
| Return on assets (ROA) | -3.5386% | 7,698 |
| Pretax return on assets | -3.5386% | 7,616 |
| Return on Equity (ROE) | -19.2406% | 7,349 |
| Retained earnings to average equity (ytd only) | -19.7028% | 7,330 |
| Net charge-offs to loans | 5.0943% | 216 |
| Credit loss provision to net charge-offs | 107.0067% | 4,751 |
| Earnings coverage of net charge-offs (x) | 0.1139% | 5,922 |
| Efficiency ratio | 89.7874% | 1,707 |
| Assets per employee ($millions) | 5.6995% | 1,432 |
| Cash dividends to net income (ytd only)* | -2.4022% | 7,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2631% | 4,734 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3835% | 6,502 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 62.9942% | 5,068 |
| Net loans and leases to deposits | 83.6704% | 3,699 |
| Net loans and leases to core deposits | 101.8500% | 4,172 |
| Total domestic deposits to total assets | 75.2886% | 6,722 |
| Equity capital to assets | 15.4262% | 905 |
| Core capital (leverage) ratio | 17.7777% | 469 |
| Tier 1 risk-based capital ratio | 21.7343% | 1,258 |
| Total risk-based capital ratio | 22.8797% | 1,248 |
| Memoranda: | ||
| Average total assets | $67,445,750 | 6,129 |
| Average earning assets | $63,383,750 | 6,060 |
| Average equity | $12,404,000 | 4,680 |
| Average total loans | $50,800,500 | 5,678 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0507% | 1,980 |
| Cost of funding earning assets | 1.4756% | 6,240 |
| Net interest margin | 4.5751% | 1,005 |
| Noninterest income to average assets | 0.1326% | 7,294 |
| Noninterest expense to average assets | 3.9065% | 1,471 |
| Loan and lease loss provision to assets | 6.5024% | 116 |
| Net operating income to assets | -5.9877% | 8,001 |
| Return on assets (ROA) | -5.9877% | 7,992 |
| Pretax return on assets | -5.9877% | 7,949 |
| Return on Equity (ROE) | -30.4929% | 7,715 |
| Retained earnings to average equity (ytd only) | -30.7342% | 7,694 |
| Net charge-offs to loans | 7.7022% | 111 |
| Credit loss provision to net charge-offs | 105.3197% | 4,366 |
| Earnings coverage of net charge-offs (x) | 0.0834% | 5,594 |
| Efficiency ratio | 88.3571% | 1,966 |
| Assets per employee ($millions) | 4.6493% | 2,527 |
| Cash dividends to net income (ytd only)* | -0.7911% | 7,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1795% | 5,081 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 78.6465% | 1,604 |
| Net loans and leases to deposits | 119.1958% | 254 |
| Net loans and leases to core deposits | 172.6859% | 291 |
| Total domestic deposits to total assets | 65.9809% | 7,743 |
| Equity capital to assets | 18.7709% | 476 |
| Core capital (leverage) ratio | 18.7052% | 441 |
| Tier 1 risk-based capital ratio | 23.0230% | 1,129 |
| Total risk-based capital ratio | 24.1859% | 1,115 |
| Memoranda: | ||
| Average total assets | $63,330,000 | 6,319 |
| Average earning assets | $59,365,000 | 6,259 |
| Average equity | $12,435,670 | 4,695 |
| Average total loans | $50,764,670 | 5,735 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9041% | 2,774 |
| Cost of funding earning assets | 1.5434% | 6,265 |
| Net interest margin | 4.3606% | 1,440 |
| Noninterest income to average assets | 0.1409% | 7,294 |
| Noninterest expense to average assets | 4.0032% | 1,183 |
| Loan and lease loss provision to assets | 0.2434% | 4,032 |
| Net operating income to assets | 0.0384% | 6,168 |
| Return on assets (ROA) | 0.0384% | 6,314 |
| Pretax return on assets | 0.0384% | 6,304 |
| Return on Equity (ROE) | 0.1913% | 6,364 |
| Retained earnings to average equity (ytd only) | 0.1913% | 5,581 |
| Net charge-offs to loans | 0.0398% | 4,941 |
| Credit loss provision to net charge-offs | 760.0000% | 783 |
| Earnings coverage of net charge-offs (x) | 8.8000% | 2,145 |
| Efficiency ratio | 93.4230% | 1,469 |
| Assets per employee ($millions) | 5.2631% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0814% | 5,604 |
| 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 | 78.2130% | 1,773 |
| Net loans and leases to deposits | 121.5358% | 257 |
| Net loans and leases to core deposits | 176.2605% | 276 |
| Total domestic deposits to total assets | 64.3539% | 7,833 |
| Equity capital to assets | 19.9408% | 423 |
| Core capital (leverage) ratio | 19.9186% | 399 |
| Tier 1 risk-based capital ratio | 25.2784% | 956 |
| Total risk-based capital ratio | 26.3715% | 948 |
| Memoranda: | ||
| Average total assets | $62,450,000 | 6,381 |
| Average earning assets | $59,349,000 | 6,286 |
| Average equity | $12,544,500 | 4,693 |
| Average total loans | $50,246,000 | 5,788 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6655% | 2,179 |
| Cost of funding earning assets | 2.0432% | 6,270 |
| Net interest margin | 4.6223% | 1,121 |
| Noninterest income to average assets | 0.1385% | 7,411 |
| Noninterest expense to average assets | 4.1534% | 1,196 |
| Loan and lease loss provision to assets | 0.3444% | 3,641 |
| Net operating income to assets | 0.1123% | 6,078 |
| Return on assets (ROA) | 0.1366% | 5,844 |
| Pretax return on assets | 0.1366% | 5,861 |
| Return on Equity (ROE) | 0.5926% | 6,043 |
| Retained earnings to average equity (ytd only) | 0.5926% | 4,885 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0934% | 1,510 |
| Assets per employee ($millions) | 4.7495% | 2,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 6,024 |
| 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 | 81.0586% | 1,423 |
| Net loans and leases to deposits | 124.5688% | 296 |
| Net loans and leases to core deposits | 186.1005% | 238 |
| Total domestic deposits to total assets | 65.0713% | 7,719 |
| Equity capital to assets | 20.2371% | 451 |
| Core capital (leverage) ratio | 19.0145% | 511 |
| Tier 1 risk-based capital ratio | 24.6648% | 1,015 |
| Total risk-based capital ratio | 25.6690% | 1,024 |
| Memoranda: | ||
| Average total assets | $53,425,600 | 6,642 |
| Average earning assets | $51,684,400 | 6,521 |
| Average equity | $12,318,400 | 4,754 |
| Average total loans | $39,605,800 | 6,179 |