Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8731% | 4,265 |
| Cost of funding earning assets | 0.3221% | 4,649 |
| Net interest margin | 3.5510% | 3,623 |
| Noninterest income to average assets | 0.2892% | 5,131 |
| Noninterest expense to average assets | 2.0400% | 5,699 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1673% | 1,803 |
| Return on assets (ROA) | 1.2023% | 1,742 |
| Pretax return on assets | 1.6353% | 1,224 |
| Return on Equity (ROE) | 10.9139% | 1,820 |
| Retained earnings to average equity (ytd only) | 5.3414% | 2,857 |
| Net charge-offs to loans | -0.0165% | 5,562 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2296% | 5,642 |
| Assets per employee ($millions) | 5.1892% | 2,031 |
| Cash dividends to net income (ytd only)* | 51.0592% | 1,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7272% | 1,892 |
| Loan loss allowance to noncurrent loans | 374.8792% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 4,964 |
| Noncurrent loans to loans | 0.4607% | 4,521 |
| Net loans and leases to total assets | 60.7758% | 3,660 |
| Net loans and leases to deposits | 70.1671% | 3,903 |
| Net loans and leases to core deposits | 74.1152% | 3,929 |
| Total domestic deposits to total assets | 86.6158% | 2,517 |
| Equity capital to assets | 11.4372% | 2,543 |
| Core capital (leverage) ratio | 11.3487% | 2,176 |
| Tier 1 risk-based capital ratio | 14.9040% | 3,643 |
| Total risk-based capital ratio | 16.1555% | 3,574 |
| Memoranda: | ||
| Average total assets | $146,599,250 | 3,716 |
| Average earning assets | $137,836,000 | 3,662 |
| Average equity | $16,150,250 | 3,668 |
| Average total loans | $88,996,750 | 3,683 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 4,388 |
| Cost of funding earning assets | 0.3224% | 4,733 |
| Net interest margin | 3.5144% | 3,722 |
| Noninterest income to average assets | 0.2884% | 5,116 |
| Noninterest expense to average assets | 2.0771% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1166% | 1,870 |
| Return on assets (ROA) | 1.1589% | 1,798 |
| Pretax return on assets | 1.5752% | 1,318 |
| Return on Equity (ROE) | 10.6538% | 1,864 |
| Retained earnings to average equity (ytd only) | 5.0268% | 2,943 |
| Net charge-offs to loans | -0.0203% | 5,553 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7753% | 5,582 |
| Assets per employee ($millions) | 5.1545% | 2,024 |
| Cash dividends to net income (ytd only)* | 52.8169% | 1,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7844% | 1,882 |
| Loan loss allowance to noncurrent loans | 374.3961% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 4,999 |
| Noncurrent loans to loans | 0.4766% | 4,568 |
| Net loans and leases to total assets | 59.1113% | 3,848 |
| Net loans and leases to deposits | 67.7566% | 4,079 |
| Net loans and leases to core deposits | 71.7157% | 4,077 |
| Total domestic deposits to total assets | 87.2407% | 2,326 |
| Equity capital to assets | 11.3625% | 2,540 |
| Core capital (leverage) ratio | 10.9342% | 2,488 |
| Tier 1 risk-based capital ratio | 14.9641% | 3,662 |
| Total risk-based capital ratio | 16.2166% | 3,597 |
| Memoranda: | ||
| Average total assets | $147,033,000 | 3,730 |
| Average earning assets | $138,345,330 | 3,672 |
| Average equity | $15,994,330 | 3,693 |
| Average total loans | $88,709,670 | 3,698 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7757% | 4,579 |
| Cost of funding earning assets | 0.3213% | 4,843 |
| Net interest margin | 3.4543% | 3,882 |
| Noninterest income to average assets | 0.2372% | 5,464 |
| Noninterest expense to average assets | 2.1080% | 5,669 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0037% | 2,197 |
| Return on assets (ROA) | 1.0864% | 1,933 |
| Pretax return on assets | 1.4880% | 1,463 |
| Return on Equity (ROE) | 10.2077% | 1,958 |
| Retained earnings to average equity (ytd only) | 4.5086% | 3,414 |
| Net charge-offs to loans | -0.0089% | 5,010 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5263% | 5,329 |
| Assets per employee ($millions) | 5.3601% | 1,847 |
| Cash dividends to net income (ytd only)* | 55.8313% | 1,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 2,106 |
| Loan loss allowance to noncurrent loans | 1,264.7541% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.1712% | 5,721 |
| Noncurrent loans to loans | 0.1407% | 5,678 |
| Net loans and leases to total assets | 56.7529% | 4,039 |
| Net loans and leases to deposits | 64.5056% | 4,264 |
| Net loans and leases to core deposits | 68.0899% | 4,297 |
| Total domestic deposits to total assets | 87.9814% | 2,244 |
| Equity capital to assets | 10.6294% | 3,107 |
| Core capital (leverage) ratio | 10.8189% | 2,574 |
| Tier 1 risk-based capital ratio | 14.7253% | 3,873 |
| Total risk-based capital ratio | 15.9779% | 3,823 |
| Memoranda: | ||
| Average total assets | $148,386,500 | 3,727 |
| Average earning assets | $139,419,000 | 3,679 |
| Average equity | $15,792,000 | 3,732 |
| Average total loans | $89,633,000 | 3,705 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9568% | 4,258 |
| Cost of funding earning assets | 0.3232% | 5,394 |
| Net interest margin | 3.6337% | 3,315 |
| Noninterest income to average assets | 0.2918% | 5,267 |
| Noninterest expense to average assets | 2.1459% | 5,737 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1448% | 1,777 |
| Return on assets (ROA) | 1.1686% | 1,745 |
| Pretax return on assets | 1.5921% | 1,189 |
| Return on Equity (ROE) | 10.9545% | 1,779 |
| Retained earnings to average equity (ytd only) | 7.0561% | 1,413 |
| Net charge-offs to loans | 0.0840% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 30.8219% | 1,156 |
| Efficiency ratio | 57.9125% | 5,748 |
| Assets per employee ($millions) | 5.2389% | 1,915 |
| Cash dividends to net income (ytd only)* | 35.5872% | 3,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6651% | 2,518 |
| Loan loss allowance to noncurrent loans | 623.8866% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.2604% | 5,480 |
| Noncurrent loans to loans | 0.2669% | 5,386 |
| Net loans and leases to total assets | 62.0394% | 3,355 |
| Net loans and leases to deposits | 71.4308% | 3,603 |
| Net loans and leases to core deposits | 76.1848% | 3,589 |
| Total domestic deposits to total assets | 86.8525% | 2,802 |
| Equity capital to assets | 10.6559% | 2,973 |
| Core capital (leverage) ratio | 10.7437% | 2,632 |
| Tier 1 risk-based capital ratio | 13.8485% | 4,402 |
| Total risk-based capital ratio | 15.1001% | 4,344 |
| Memoranda: | ||
| Average total assets | $144,276,600 | 3,803 |
| Average earning assets | $135,537,200 | 3,728 |
| Average equity | $15,391,000 | 3,801 |
| Average total loans | $86,880,400 | 3,762 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9504% | 4,313 |
| Cost of funding earning assets | 0.3200% | 5,555 |
| Net interest margin | 3.6304% | 3,319 |
| Noninterest income to average assets | 0.2849% | 5,409 |
| Noninterest expense to average assets | 2.1131% | 5,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1533% | 1,794 |
| Return on assets (ROA) | 1.1878% | 1,743 |
| Pretax return on assets | 1.6305% | 1,265 |
| Return on Equity (ROE) | 11.1318% | 1,777 |
| Retained earnings to average equity (ytd only) | 7.2183% | 1,781 |
| Net charge-offs to loans | 0.1123% | 3,420 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 23.6939% | 1,457 |
| Efficiency ratio | 57.1680% | 5,782 |
| Assets per employee ($millions) | 5.1268% | 2,025 |
| Cash dividends to net income (ytd only)* | 35.1566% | 2,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 2,199 |
| Loan loss allowance to noncurrent loans | 478.8820% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 5,388 |
| Noncurrent loans to loans | 0.3828% | 5,252 |
| Net loans and leases to total assets | 57.5291% | 4,086 |
| Net loans and leases to deposits | 65.4854% | 4,356 |
| Net loans and leases to core deposits | 68.1119% | 4,515 |
| Total domestic deposits to total assets | 87.8502% | 2,221 |
| Equity capital to assets | 10.7705% | 2,990 |
| Core capital (leverage) ratio | 10.9046% | 2,568 |
| Tier 1 risk-based capital ratio | 14.7601% | 3,909 |
| Total risk-based capital ratio | 16.0127% | 3,867 |
| Memoranda: | ||
| Average total assets | $143,673,500 | 3,855 |
| Average earning assets | $135,004,250 | 3,777 |
| Average equity | $15,331,000 | 3,853 |
| Average total loans | $85,464,000 | 3,827 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 4,434 |
| Cost of funding earning assets | 0.3238% | 5,630 |
| Net interest margin | 3.5873% | 3,417 |
| Noninterest income to average assets | 0.2616% | 5,589 |
| Noninterest expense to average assets | 2.0847% | 5,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1250% | 1,837 |
| Return on assets (ROA) | 1.1620% | 1,805 |
| Pretax return on assets | 1.6046% | 1,365 |
| Return on Equity (ROE) | 10.9238% | 1,835 |
| Retained earnings to average equity (ytd only) | 6.9991% | 1,894 |
| Net charge-offs to loans | 0.0163% | 4,514 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 159.4286% | 309 |
| Efficiency ratio | 57.3068% | 5,825 |
| Assets per employee ($millions) | 5.0169% | 2,096 |
| Cash dividends to net income (ytd only)* | 35.9281% | 2,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8876% | 2,143 |
| Loan loss allowance to noncurrent loans | 238.7816% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 0.6158% | 4,699 |
| Noncurrent loans to loans | 0.7905% | 4,332 |
| Net loans and leases to total assets | 59.4612% | 3,754 |
| Net loans and leases to deposits | 67.5905% | 4,067 |
| Net loans and leases to core deposits | 70.8024% | 4,186 |
| Total domestic deposits to total assets | 87.9728% | 2,264 |
| Equity capital to assets | 10.6796% | 3,085 |
| Core capital (leverage) ratio | 10.6235% | 2,739 |
| Tier 1 risk-based capital ratio | 14.7131% | 3,964 |
| Total risk-based capital ratio | 15.9668% | 3,926 |
| Memoranda: | ||
| Average total assets | $143,714,670 | 3,878 |
| Average earning assets | $135,254,670 | 3,801 |
| Average equity | $15,287,670 | 3,893 |
| Average total loans | $85,910,330 | 3,823 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8634% | 4,604 |
| Cost of funding earning assets | 0.3276% | 5,742 |
| Net interest margin | 3.5358% | 3,542 |
| Noninterest income to average assets | 0.1872% | 6,135 |
| Noninterest expense to average assets | 1.9844% | 6,132 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0981% | 1,859 |
| Return on assets (ROA) | 1.0981% | 1,967 |
| Pretax return on assets | 1.5303% | 1,487 |
| Return on Equity (ROE) | 10.3432% | 1,934 |
| Retained earnings to average equity (ytd only) | 6.4547% | 2,430 |
| Net charge-offs to loans | -0.0093% | 5,412 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4605% | 6,017 |
| Assets per employee ($millions) | 5.1921% | 1,989 |
| Cash dividends to net income (ytd only)* | 37.5940% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9739% | 2,112 |
| Loan loss allowance to noncurrent loans | 239.4074% | 1,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6356% | 4,789 |
| Noncurrent loans to loans | 0.8245% | 4,474 |
| Net loans and leases to total assets | 55.2009% | 4,211 |
| Net loans and leases to deposits | 62.7554% | 4,448 |
| Net loans and leases to core deposits | 65.6326% | 4,575 |
| Total domestic deposits to total assets | 87.9619% | 2,341 |
| Equity capital to assets | 10.6665% | 3,355 |
| Core capital (leverage) ratio | 10.6673% | 2,576 |
| Tier 1 risk-based capital ratio | 15.2768% | 3,667 |
| Total risk-based capital ratio | 16.5323% | 3,618 |
| Memoranda: | ||
| Average total assets | $145,335,500 | 3,891 |
| Average earning assets | $136,771,500 | 3,815 |
| Average equity | $15,430,500 | 3,914 |
| Average total loans | $86,298,500 | 3,834 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3779% | 3,908 |
| Cost of funding earning assets | 0.4328% | 5,699 |
| Net interest margin | 3.9451% | 2,626 |
| Noninterest income to average assets | 0.3458% | 4,991 |
| Noninterest expense to average assets | 2.0815% | 6,163 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.3669% | 1,161 |
| Return on assets (ROA) | 1.4126% | 1,193 |
| Pretax return on assets | 2.0103% | 586 |
| Return on Equity (ROE) | 13.0595% | 1,211 |
| Retained earnings to average equity (ytd only) | 8.9869% | 826 |
| Net charge-offs to loans | -0.0253% | 6,589 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6958% | 6,482 |
| Assets per employee ($millions) | 5.1890% | 2,003 |
| Cash dividends to net income (ytd only)* | 31.1850% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7789% | 2,658 |
| Loan loss allowance to noncurrent loans | 259.4855% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.6181% | 4,927 |
| Noncurrent loans to loans | 0.6856% | 4,826 |
| Net loans and leases to total assets | 61.3362% | 3,367 |
| Net loans and leases to deposits | 76.6411% | 2,696 |
| Net loans and leases to core deposits | 79.8967% | 3,021 |
| Total domestic deposits to total assets | 80.0304% | 5,651 |
| Equity capital to assets | 10.5678% | 3,442 |
| Core capital (leverage) ratio | 10.3214% | 2,987 |
| Tier 1 risk-based capital ratio | 13.6994% | 4,603 |
| Total risk-based capital ratio | 14.9518% | 4,550 |
| Memoranda: | ||
| Average total assets | $136,201,000 | 4,022 |
| Average earning assets | $127,069,600 | 3,964 |
| Average equity | $14,732,600 | 4,018 |
| Average total loans | $82,885,800 | 3,950 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4840% | 3,705 |
| Cost of funding earning assets | 0.4572% | 5,744 |
| Net interest margin | 4.0268% | 2,391 |
| Noninterest income to average assets | 0.3455% | 5,050 |
| Noninterest expense to average assets | 2.0478% | 6,277 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.4370% | 1,149 |
| Return on assets (ROA) | 1.4843% | 1,164 |
| Pretax return on assets | 2.1185% | 551 |
| Return on Equity (ROE) | 13.6373% | 1,191 |
| Retained earnings to average equity (ytd only) | 9.5215% | 1,057 |
| Net charge-offs to loans | -0.0313% | 6,585 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9636% | 6,593 |
| Assets per employee ($millions) | 4.9513% | 2,250 |
| Cash dividends to net income (ytd only)* | 30.1813% | 2,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0471% | 2,043 |
| Loan loss allowance to noncurrent loans | 683.0508% | 593 |
| Noncurrent assets plus other real estate owned to assets | 0.3974% | 5,700 |
| Noncurrent loans to loans | 0.2997% | 5,893 |
| Net loans and leases to total assets | 55.6359% | 4,504 |
| Net loans and leases to deposits | 63.7565% | 4,746 |
| Net loans and leases to core deposits | 66.9322% | 4,848 |
| Total domestic deposits to total assets | 87.2631% | 2,518 |
| Equity capital to assets | 10.9603% | 3,317 |
| Core capital (leverage) ratio | 10.5825% | 2,815 |
| Tier 1 risk-based capital ratio | 15.3079% | 3,643 |
| Total risk-based capital ratio | 16.5636% | 3,592 |
| Memoranda: | ||
| Average total assets | $133,928,500 | 4,097 |
| Average earning assets | $124,826,250 | 4,047 |
| Average equity | $14,577,250 | 4,082 |
| Average total loans | $80,924,750 | 4,057 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 3,265 |
| Cost of funding earning assets | 0.4854% | 5,724 |
| Net interest margin | 4.1369% | 1,950 |
| Noninterest income to average assets | 0.3007% | 5,401 |
| Noninterest expense to average assets | 2.0611% | 6,317 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.4527% | 1,079 |
| Return on assets (ROA) | 1.5246% | 1,075 |
| Pretax return on assets | 2.1925% | 488 |
| Return on Equity (ROE) | 14.0418% | 1,106 |
| Retained earnings to average equity (ytd only) | 9.8669% | 1,008 |
| Net charge-offs to loans | -0.0416% | 6,617 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6542% | 6,663 |
| Assets per employee ($millions) | 4.7970% | 2,444 |
| Cash dividends to net income (ytd only)* | 29.7324% | 2,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1064% | 1,982 |
| Loan loss allowance to noncurrent loans | 161,000.0000% | 2 |
| Noncurrent assets plus other real estate owned to assets | 0.2971% | 6,023 |
| Noncurrent loans to loans | 0.0013% | 6,732 |
| Net loans and leases to total assets | 55.7055% | 4,511 |
| Net loans and leases to deposits | 63.8675% | 4,780 |
| Net loans and leases to core deposits | 66.9428% | 4,905 |
| Total domestic deposits to total assets | 87.2205% | 2,638 |
| Equity capital to assets | 10.9778% | 3,145 |
| Core capital (leverage) ratio | 10.7445% | 2,549 |
| Tier 1 risk-based capital ratio | 15.4305% | 3,490 |
| Total risk-based capital ratio | 16.6866% | 3,446 |
| Memoranda: | ||
| Average total assets | $132,359,000 | 4,153 |
| Average earning assets | $123,185,000 | 4,096 |
| Average equity | $14,371,330 | 4,120 |
| Average total loans | $81,651,670 | 4,048 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9364% | 2,108 |
| Cost of funding earning assets | 0.5245% | 5,647 |
| Net interest margin | 4.4120% | 1,199 |
| Noninterest income to average assets | 0.2436% | 5,893 |
| Noninterest expense to average assets | 2.1069% | 6,258 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5558% | 931 |
| Return on assets (ROA) | 1.5558% | 1,041 |
| Pretax return on assets | 2.2347% | 508 |
| Return on Equity (ROE) | 14.4101% | 1,102 |
| Retained earnings to average equity (ytd only) | 10.1801% | 1,219 |
| Net charge-offs to loans | -0.0475% | 6,514 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5273% | 6,764 |
| Assets per employee ($millions) | 4.5464% | 2,908 |
| Cash dividends to net income (ytd only)* | 29.3542% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0231% | 2,290 |
| Loan loss allowance to noncurrent loans | 160,400.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.8396% | 4,855 |
| Noncurrent loans to loans | 0.0013% | 6,809 |
| Net loans and leases to total assets | 58.9183% | 3,869 |
| Net loans and leases to deposits | 67.5496% | 4,144 |
| Net loans and leases to core deposits | 70.7667% | 4,326 |
| Total domestic deposits to total assets | 87.2223% | 2,815 |
| Equity capital to assets | 10.8876% | 3,045 |
| Core capital (leverage) ratio | 10.8076% | 2,432 |
| Tier 1 risk-based capital ratio | 14.7310% | 3,940 |
| Total risk-based capital ratio | 15.9868% | 3,890 |
| Memoranda: | ||
| Average total assets | $131,380,000 | 4,206 |
| Average earning assets | $122,031,500 | 4,151 |
| Average equity | $14,184,500 | 4,166 |
| Average total loans | $84,261,500 | 3,999 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9802% | 2,965 |
| Cost of funding earning assets | 0.6938% | 5,580 |
| Net interest margin | 4.2864% | 1,744 |
| Noninterest income to average assets | 0.2407% | 5,820 |
| Noninterest expense to average assets | 2.3619% | 5,876 |
| Loan and lease loss provision to assets | 0.2439% | 3,769 |
| Net operating income to assets | 1.1744% | 1,588 |
| Return on assets (ROA) | 1.2082% | 1,599 |
| Pretax return on assets | 1.6546% | 1,095 |
| Return on Equity (ROE) | 11.1877% | 1,650 |
| Retained earnings to average equity (ytd only) | 6.6705% | 1,655 |
| Net charge-offs to loans | 0.0174% | 6,199 |
| Credit loss provision to net charge-offs | 2,142.8571% | 107 |
| Earnings coverage of net charge-offs (x) | 162.7143% | 208 |
| Efficiency ratio | 56.0486% | 6,312 |
| Assets per employee ($millions) | 4.5142% | 2,885 |
| Cash dividends to net income (ytd only)* | 40.3769% | 2,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,915 |
| Loan loss allowance to noncurrent loans | 79,650.0000% | 7 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 4,931 |
| Noncurrent loans to loans | 0.0022% | 6,869 |
| Net loans and leases to total assets | 66.9483% | 2,598 |
| Net loans and leases to deposits | 83.3047% | 2,024 |
| Net loans and leases to core deposits | 87.4376% | 2,445 |
| Total domestic deposits to total assets | 80.3656% | 5,639 |
| Equity capital to assets | 10.7048% | 3,298 |
| Core capital (leverage) ratio | 10.6524% | 2,564 |
| Tier 1 risk-based capital ratio | 12.9861% | 5,080 |
| Total risk-based capital ratio | 14.0685% | 5,208 |
| Memoranda: | ||
| Average total assets | $122,991,800 | 4,322 |
| Average earning assets | $114,010,600 | 4,281 |
| Average equity | $13,282,400 | 4,286 |
| Average total loans | $80,659,400 | 4,124 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9915% | 3,129 |
| Cost of funding earning assets | 0.7552% | 5,434 |
| Net interest margin | 4.2363% | 1,962 |
| Noninterest income to average assets | 0.1851% | 6,273 |
| Noninterest expense to average assets | 2.3237% | 5,970 |
| Loan and lease loss provision to assets | 0.2479% | 3,525 |
| Net operating income to assets | 1.1745% | 1,731 |
| Return on assets (ROA) | 1.2164% | 1,720 |
| Pretax return on assets | 1.5932% | 1,407 |
| Return on Equity (ROE) | 11.2368% | 1,782 |
| Retained earnings to average equity (ytd only) | 8.1833% | 1,434 |
| Net charge-offs to loans | 0.0238% | 5,816 |
| Credit loss provision to net charge-offs | 1,607.1429% | 170 |
| Earnings coverage of net charge-offs (x) | 115.7622% | 309 |
| Efficiency ratio | 56.5416% | 6,202 |
| Assets per employee ($millions) | 4.3024% | 3,270 |
| Cash dividends to net income (ytd only)* | 27.1740% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8931% | 2,634 |
| Loan loss allowance to noncurrent loans | 2,617.2414% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 4,856 |
| Noncurrent loans to loans | 0.0723% | 6,748 |
| Net loans and leases to total assets | 63.0499% | 3,501 |
| Net loans and leases to deposits | 73.3576% | 3,749 |
| Net loans and leases to core deposits | 75.8129% | 4,214 |
| Total domestic deposits to total assets | 85.9487% | 3,242 |
| Equity capital to assets | 11.1877% | 2,969 |
| Core capital (leverage) ratio | 10.8763% | 2,494 |
| Tier 1 risk-based capital ratio | 14.2617% | 4,151 |
| Total risk-based capital ratio | 15.5164% | 4,112 |
| Memoranda: | ||
| Average total assets | $121,011,500 | 4,390 |
| Average earning assets | $112,106,750 | 4,356 |
| Average equity | $13,099,500 | 4,328 |
| Average total loans | $78,515,000 | 4,225 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9750% | 3,288 |
| Cost of funding earning assets | 0.8100% | 5,302 |
| Net interest margin | 4.1650% | 2,172 |
| Noninterest income to average assets | 0.2538% | 5,833 |
| Noninterest expense to average assets | 2.5769% | 5,272 |
| Loan and lease loss provision to assets | 0.2505% | 3,400 |
| Net operating income to assets | 0.9217% | 2,551 |
| Return on assets (ROA) | 0.9703% | 2,454 |
| Pretax return on assets | 1.3678% | 1,898 |
| Return on Equity (ROE) | 9.0689% | 2,482 |
| Retained earnings to average equity (ytd only) | 4.3862% | 3,402 |
| Net charge-offs to loans | 0.0231% | 5,515 |
| Credit loss provision to net charge-offs | 1,666.6667% | 205 |
| Earnings coverage of net charge-offs (x) | 103.1111% | 356 |
| Efficiency ratio | 62.4444% | 5,512 |
| Assets per employee ($millions) | 4.2941% | 3,176 |
| Cash dividends to net income (ytd only)* | 51.6351% | 1,644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8846% | 2,712 |
| Loan loss allowance to noncurrent loans | 9,653.3333% | 60 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 4,969 |
| Noncurrent loans to loans | 0.0195% | 6,948 |
| Net loans and leases to total assets | 62.6975% | 3,741 |
| Net loans and leases to deposits | 73.0213% | 3,951 |
| Net loans and leases to core deposits | 75.7463% | 4,348 |
| Total domestic deposits to total assets | 85.8620% | 3,401 |
| Equity capital to assets | 10.9884% | 2,967 |
| Core capital (leverage) ratio | 10.5751% | 2,641 |
| Tier 1 risk-based capital ratio | 14.3535% | 3,900 |
| Total risk-based capital ratio | 15.6082% | 3,867 |
| Memoranda: | ||
| Average total assets | $119,758,330 | 4,460 |
| Average earning assets | $111,356,670 | 4,405 |
| Average equity | $12,813,000 | 4,383 |
| Average total loans | $77,958,000 | 4,286 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9240% | 3,458 |
| Cost of funding earning assets | 0.8488% | 5,280 |
| Net interest margin | 4.0751% | 2,364 |
| Noninterest income to average assets | 0.4284% | 4,468 |
| Noninterest expense to average assets | 2.6607% | 4,993 |
| Loan and lease loss provision to assets | 0.2510% | 3,145 |
| Net operating income to assets | 0.9420% | 2,387 |
| Return on assets (ROA) | 1.0408% | 2,086 |
| Pretax return on assets | 1.4458% | 1,610 |
| Return on Equity (ROE) | 9.8624% | 2,147 |
| Retained earnings to average equity (ytd only) | 0.3488% | 5,674 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0452% | 5,519 |
| Assets per employee ($millions) | 4.2950% | 3,257 |
| Cash dividends to net income (ytd only)* | 96.4630% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8066% | 2,992 |
| Loan loss allowance to noncurrent loans | 373.5135% | 836 |
| Noncurrent assets plus other real estate owned to assets | 1.3920% | 4,204 |
| Noncurrent loans to loans | 0.4837% | 6,049 |
| Net loans and leases to total assets | 62.4610% | 3,765 |
| Net loans and leases to deposits | 72.4077% | 4,003 |
| Net loans and leases to core deposits | 74.9097% | 4,439 |
| Total domestic deposits to total assets | 86.2630% | 3,351 |
| Equity capital to assets | 10.5306% | 3,151 |
| Core capital (leverage) ratio | 10.4096% | 2,691 |
| Tier 1 risk-based capital ratio | 13.9424% | 4,110 |
| Total risk-based capital ratio | 15.1958% | 4,083 |
| Memoranda: | ||
| Average total assets | $119,519,500 | 4,497 |
| Average earning assets | $111,211,000 | 4,428 |
| Average equity | $12,613,500 | 4,415 |
| Average total loans | $78,520,500 | 4,306 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3932% | 2,700 |
| Cost of funding earning assets | 1.1251% | 4,996 |
| Net interest margin | 4.2681% | 1,927 |
| Noninterest income to average assets | 0.5147% | 4,060 |
| Noninterest expense to average assets | 2.6041% | 5,400 |
| Loan and lease loss provision to assets | 0.2608% | 4,705 |
| Net operating income to assets | 1.1990% | 1,416 |
| Return on assets (ROA) | 1.1990% | 1,496 |
| Pretax return on assets | 1.6312% | 1,072 |
| Return on Equity (ROE) | 11.2331% | 1,515 |
| Retained earnings to average equity (ytd only) | 6.3456% | 1,640 |
| Net charge-offs to loans | 0.3831% | 4,124 |
| Credit loss provision to net charge-offs | 100.3344% | 4,539 |
| Earnings coverage of net charge-offs (x) | 7.2776% | 2,163 |
| Efficiency ratio | 57.9192% | 6,346 |
| Assets per employee ($millions) | 4.2421% | 3,304 |
| Cash dividends to net income (ytd only)* | 43.5098% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 3,495 |
| Loan loss allowance to noncurrent loans | 43,566.6667% | 8 |
| Noncurrent assets plus other real estate owned to assets | 1.1155% | 4,782 |
| Noncurrent loans to loans | 0.0037% | 7,161 |
| Net loans and leases to total assets | 66.7090% | 3,297 |
| Net loans and leases to deposits | 83.0194% | 2,628 |
| Net loans and leases to core deposits | 85.9124% | 3,330 |
| Total domestic deposits to total assets | 80.3536% | 5,735 |
| Equity capital to assets | 10.5767% | 3,087 |
| Core capital (leverage) ratio | 10.4515% | 2,607 |
| Tier 1 risk-based capital ratio | 13.4976% | 4,205 |
| Total risk-based capital ratio | 14.7501% | 4,176 |
| Memoranda: | ||
| Average total assets | $115,009,200 | 4,592 |
| Average earning assets | $107,283,600 | 4,527 |
| Average equity | $12,276,200 | 4,539 |
| Average total loans | $78,057,600 | 4,390 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4002% | 2,882 |
| Cost of funding earning assets | 1.1845% | 4,951 |
| Net interest margin | 4.2157% | 2,167 |
| Noninterest income to average assets | 0.5096% | 4,101 |
| Noninterest expense to average assets | 2.5645% | 5,450 |
| Loan and lease loss provision to assets | 0.2630% | 4,472 |
| Net operating income to assets | 1.1654% | 1,689 |
| Return on assets (ROA) | 1.1654% | 1,786 |
| Pretax return on assets | 1.6177% | 1,301 |
| Return on Equity (ROE) | 10.8919% | 1,822 |
| Retained earnings to average equity (ytd only) | 4.3371% | 3,443 |
| Net charge-offs to loans | 0.5079% | 3,260 |
| Credit loss provision to net charge-offs | 76.2712% | 5,245 |
| Earnings coverage of net charge-offs (x) | 5.4543% | 2,743 |
| Efficiency ratio | 57.6913% | 6,310 |
| Assets per employee ($millions) | 4.1665% | 3,510 |
| Cash dividends to net income (ytd only)* | 60.1805% | 1,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 3,464 |
| Loan loss allowance to noncurrent loans | 162.4179% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 1.1572% | 4,805 |
| Noncurrent loans to loans | 0.9941% | 5,249 |
| Net loans and leases to total assets | 64.5592% | 4,006 |
| Net loans and leases to deposits | 77.0622% | 3,999 |
| Net loans and leases to core deposits | 79.8897% | 4,536 |
| Total domestic deposits to total assets | 83.7754% | 4,244 |
| Equity capital to assets | 10.8124% | 3,154 |
| Core capital (leverage) ratio | 10.3719% | 2,837 |
| Tier 1 risk-based capital ratio | 13.9323% | 3,890 |
| Total risk-based capital ratio | 15.1850% | 3,844 |
| Memoranda: | ||
| Average total assets | $114,066,500 | 4,673 |
| Average earning assets | $106,487,500 | 4,606 |
| Average equity | $12,204,500 | 4,622 |
| Average total loans | $77,436,000 | 4,485 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3897% | 3,016 |
| Cost of funding earning assets | 1.2396% | 4,895 |
| Net interest margin | 4.1501% | 2,335 |
| Noninterest income to average assets | 0.5230% | 3,936 |
| Noninterest expense to average assets | 2.5830% | 5,393 |
| Loan and lease loss provision to assets | 0.2650% | 4,275 |
| Net operating income to assets | 1.1060% | 1,838 |
| Return on assets (ROA) | 1.1060% | 1,910 |
| Pretax return on assets | 1.5495% | 1,436 |
| Return on Equity (ROE) | 10.3745% | 1,970 |
| Retained earnings to average equity (ytd only) | 5.4027% | 2,676 |
| Net charge-offs to loans | 0.1184% | 4,997 |
| Credit loss provision to net charge-offs | 326.0870% | 1,121 |
| Earnings coverage of net charge-offs (x) | 22.3261% | 1,134 |
| Efficiency ratio | 58.7384% | 6,268 |
| Assets per employee ($millions) | 4.0628% | 3,648 |
| Cash dividends to net income (ytd only)* | 47.9233% | 1,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8354% | 2,617 |
| Loan loss allowance to noncurrent loans | 111.3654% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 1.6315% | 3,992 |
| Noncurrent loans to loans | 1.6481% | 4,237 |
| Net loans and leases to total assets | 66.3405% | 3,762 |
| Net loans and leases to deposits | 79.3246% | 3,728 |
| Net loans and leases to core deposits | 82.5344% | 4,342 |
| Total domestic deposits to total assets | 83.6318% | 4,277 |
| Equity capital to assets | 10.8767% | 2,987 |
| Core capital (leverage) ratio | 10.4024% | 2,710 |
| Tier 1 risk-based capital ratio | 13.8279% | 3,851 |
| Total risk-based capital ratio | 15.0625% | 3,830 |
| Memoranda: | ||
| Average total assets | $113,201,330 | 4,725 |
| Average earning assets | $105,683,330 | 4,652 |
| Average equity | $12,068,000 | 4,661 |
| Average total loans | $77,730,670 | 4,517 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3266% | 3,415 |
| Cost of funding earning assets | 1.2103% | 5,346 |
| Net interest margin | 4.1164% | 2,370 |
| Noninterest income to average assets | 0.3896% | 5,001 |
| Noninterest expense to average assets | 2.6212% | 5,261 |
| Loan and lease loss provision to assets | 0.2657% | 3,899 |
| Net operating income to assets | 1.0024% | 2,173 |
| Return on assets (ROA) | 1.0024% | 2,239 |
| Pretax return on assets | 1.3460% | 1,919 |
| Return on Equity (ROE) | 9.5002% | 2,290 |
| Retained earnings to average equity (ytd only) | -0.5707% | 5,967 |
| Net charge-offs to loans | 0.2354% | 3,526 |
| Credit loss provision to net charge-offs | 163.0435% | 2,223 |
| Earnings coverage of net charge-offs (x) | 9.8913% | 1,796 |
| Efficiency ratio | 61.9247% | 5,846 |
| Assets per employee ($millions) | 4.0765% | 3,693 |
| Cash dividends to net income (ytd only)* | 106.0071% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7232% | 2,977 |
| Loan loss allowance to noncurrent loans | 109.0686% | 2,540 |
| Noncurrent assets plus other real estate owned to assets | 1.6532% | 3,996 |
| Noncurrent loans to loans | 1.5799% | 4,373 |
| Net loans and leases to total assets | 66.7023% | 3,697 |
| Net loans and leases to deposits | 79.7703% | 3,701 |
| Net loans and leases to core deposits | 82.9874% | 4,346 |
| Total domestic deposits to total assets | 83.6179% | 4,334 |
| Equity capital to assets | 10.4536% | 3,291 |
| Core capital (leverage) ratio | 10.5908% | 2,546 |
| Tier 1 risk-based capital ratio | 13.4301% | 4,032 |
| Total risk-based capital ratio | 14.6832% | 3,991 |
| Memoranda: | ||
| Average total assets | $112,923,500 | 4,801 |
| Average earning assets | $105,432,500 | 4,724 |
| Average equity | $11,915,500 | 4,736 |
| Average total loans | $78,157,000 | 4,575 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6703% | 3,250 |
| Cost of funding earning assets | 1.5593% | 5,230 |
| Net interest margin | 4.1110% | 2,404 |
| Noninterest income to average assets | 0.5550% | 3,983 |
| Noninterest expense to average assets | 2.6485% | 5,602 |
| Loan and lease loss provision to assets | 0.2409% | 5,453 |
| Net operating income to assets | 1.0958% | 1,522 |
| Return on assets (ROA) | 1.0958% | 1,563 |
| Pretax return on assets | 1.5170% | 1,144 |
| Return on Equity (ROE) | 10.8276% | 1,473 |
| Retained earnings to average equity (ytd only) | 9.5050% | 426 |
| Net charge-offs to loans | 0.1449% | 5,789 |
| Credit loss provision to net charge-offs | 238.9381% | 1,505 |
| Earnings coverage of net charge-offs (x) | 17.4336% | 1,188 |
| Efficiency ratio | 60.1053% | 6,478 |
| Assets per employee ($millions) | 3.9894% | 3,835 |
| Cash dividends to net income (ytd only)* | 12.2150% | 3,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6565% | 3,061 |
| Loan loss allowance to noncurrent loans | 66.5647% | 4,069 |
| Noncurrent assets plus other real estate owned to assets | 1.7564% | 3,739 |
| Noncurrent loans to loans | 2.4885% | 3,052 |
| Net loans and leases to total assets | 69.4129% | 3,384 |
| Net loans and leases to deposits | 87.5936% | 2,630 |
| Net loans and leases to core deposits | 100.0942% | 3,987 |
| Total domestic deposits to total assets | 79.2443% | 5,920 |
| Equity capital to assets | 10.6523% | 3,020 |
| Core capital (leverage) ratio | 10.4449% | 2,655 |
| Tier 1 risk-based capital ratio | 13.3401% | 3,919 |
| Total risk-based capital ratio | 14.5935% | 3,864 |
| Memoranda: | ||
| Average total assets | $112,062,200 | 4,777 |
| Average earning assets | $104,985,600 | 4,706 |
| Average equity | $11,341,400 | 4,921 |
| Average total loans | $77,963,400 | 4,585 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6977% | 3,349 |
| Cost of funding earning assets | 1.6252% | 5,285 |
| Net interest margin | 4.0725% | 2,504 |
| Noninterest income to average assets | 0.5528% | 4,059 |
| Noninterest expense to average assets | 2.5667% | 5,834 |
| Loan and lease loss provision to assets | 0.2318% | 5,118 |
| Net operating income to assets | 1.1104% | 1,710 |
| Return on assets (ROA) | 1.1104% | 1,765 |
| Pretax return on assets | 1.5705% | 1,242 |
| Return on Equity (ROE) | 11.1168% | 1,589 |
| Retained earnings to average equity (ytd only) | 9.3315% | 759 |
| Net charge-offs to loans | 0.0309% | 6,459 |
| Credit loss provision to net charge-offs | 1,083.3333% | 352 |
| Earnings coverage of net charge-offs (x) | 84.2200% | 408 |
| Efficiency ratio | 58.7483% | 6,603 |
| Assets per employee ($millions) | 4.0190% | 3,691 |
| Cash dividends to net income (ytd only)* | 16.0604% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 2,507 |
| Loan loss allowance to noncurrent loans | 64.5570% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 1.8475% | 3,588 |
| Noncurrent loans to loans | 2.6853% | 2,825 |
| Net loans and leases to total assets | 66.7943% | 4,235 |
| Net loans and leases to deposits | 82.2293% | 3,977 |
| Net loans and leases to core deposits | 97.5725% | 4,657 |
| Total domestic deposits to total assets | 81.2293% | 4,985 |
| Equity capital to assets | 10.4868% | 3,530 |
| Core capital (leverage) ratio | 10.2162% | 3,052 |
| Tier 1 risk-based capital ratio | 13.3937% | 3,927 |
| Total risk-based capital ratio | 14.6480% | 3,861 |
| Memoranda: | ||
| Average total assets | $112,151,750 | 4,803 |
| Average earning assets | $105,092,500 | 4,735 |
| Average equity | $11,202,000 | 5,015 |
| Average total loans | $77,743,500 | 4,637 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7797% | 3,140 |
| Cost of funding earning assets | 1.6900% | 5,321 |
| Net interest margin | 4.0898% | 2,352 |
| Noninterest income to average assets | 0.5106% | 4,353 |
| Noninterest expense to average assets | 2.5691% | 5,864 |
| Loan and lease loss provision to assets | 0.2142% | 4,903 |
| Net operating income to assets | 1.1033% | 1,761 |
| Return on assets (ROA) | 1.1033% | 1,839 |
| Pretax return on assets | 1.5639% | 1,291 |
| Return on Equity (ROE) | 11.2340% | 1,634 |
| Retained earnings to average equity (ytd only) | 8.5073% | 1,065 |
| Net charge-offs to loans | 0.0307% | 6,032 |
| Credit loss provision to net charge-offs | 1,000.0000% | 481 |
| Earnings coverage of net charge-offs (x) | 83.0000% | 462 |
| Efficiency ratio | 59.0965% | 6,676 |
| Assets per employee ($millions) | 3.9893% | 3,701 |
| Cash dividends to net income (ytd only)* | 24.2718% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6501% | 2,524 |
| Loan loss allowance to noncurrent loans | 99.8411% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 1.1495% | 4,646 |
| Noncurrent loans to loans | 1.6527% | 4,016 |
| Net loans and leases to total assets | 67.0734% | 4,344 |
| Net loans and leases to deposits | 82.8699% | 4,068 |
| Net loans and leases to core deposits | 98.8339% | 4,613 |
| Total domestic deposits to total assets | 80.9382% | 5,101 |
| Equity capital to assets | 9.9964% | 3,940 |
| Core capital (leverage) ratio | 9.8685% | 3,432 |
| Tier 1 risk-based capital ratio | 13.1008% | 4,072 |
| Total risk-based capital ratio | 14.3534% | 3,985 |
| Memoranda: | ||
| Average total assets | $112,025,000 | 4,825 |
| Average earning assets | $105,091,330 | 4,754 |
| Average equity | $11,002,330 | 5,086 |
| Average total loans | $78,161,000 | 4,649 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9413% | 2,601 |
| Cost of funding earning assets | 1.7676% | 5,277 |
| Net interest margin | 4.1737% | 1,998 |
| Noninterest income to average assets | 0.4243% | 5,009 |
| Noninterest expense to average assets | 2.5529% | 5,639 |
| Loan and lease loss provision to assets | 0.1604% | 4,881 |
| Net operating income to assets | 1.2230% | 1,589 |
| Return on assets (ROA) | 1.2230% | 1,694 |
| Pretax return on assets | 1.6258% | 1,346 |
| Return on Equity (ROE) | 12.5635% | 1,495 |
| Retained earnings to average equity (ytd only) | 9.8164% | 1,239 |
| Net charge-offs to loans | 0.0606% | 4,613 |
| Credit loss provision to net charge-offs | 375.0000% | 1,366 |
| Earnings coverage of net charge-offs (x) | 41.7500% | 818 |
| Efficiency ratio | 58.8332% | 6,569 |
| Assets per employee ($millions) | 4.0549% | 3,549 |
| Cash dividends to net income (ytd only)* | 21.8659% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4947% | 3,025 |
| Loan loss allowance to noncurrent loans | 279.4326% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 6,319 |
| Noncurrent loans to loans | 0.5349% | 6,080 |
| Net loans and leases to total assets | 68.6100% | 3,997 |
| Net loans and leases to deposits | 84.3306% | 3,927 |
| Net loans and leases to core deposits | 99.6903% | 4,569 |
| Total domestic deposits to total assets | 81.3583% | 4,812 |
| Equity capital to assets | 9.7793% | 4,260 |
| Core capital (leverage) ratio | 9.8583% | 3,577 |
| Tier 1 risk-based capital ratio | 12.5530% | 4,509 |
| Total risk-based capital ratio | 13.8048% | 4,433 |
| Memoranda: | ||
| Average total assets | $112,187,500 | 4,850 |
| Average earning assets | $105,229,500 | 4,767 |
| Average equity | $10,920,500 | 5,129 |
| Average total loans | $79,152,500 | 4,637 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3045% | 3,941 |
| Cost of funding earning assets | 2.3395% | 4,973 |
| Net interest margin | 3.9651% | 3,286 |
| Noninterest income to average assets | 0.6476% | 3,486 |
| Noninterest expense to average assets | 2.5801% | 5,717 |
| Loan and lease loss provision to assets | 0.0283% | 7,049 |
| Net operating income to assets | 1.2326% | 1,676 |
| Return on assets (ROA) | 1.2641% | 1,533 |
| Pretax return on assets | 1.7748% | 990 |
| Return on Equity (ROE) | 12.9425% | 1,340 |
| Retained earnings to average equity (ytd only) | 2.5518% | 3,611 |
| Net charge-offs to loans | -0.0013% | 7,725 |
| Credit loss provision to net charge-offs | -3,000.0000% | 7,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4648% | 6,438 |
| Assets per employee ($millions) | 3.9585% | 3,602 |
| Cash dividends to net income (ytd only)* | 80.2838% | 1,699 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 2,924 |
| Loan loss allowance to noncurrent loans | 283.7037% | 1,424 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 6,141 |
| Noncurrent loans to loans | 0.5112% | 5,820 |
| Net loans and leases to total assets | 70.4418% | 3,915 |
| Net loans and leases to deposits | 90.8263% | 3,314 |
| Net loans and leases to core deposits | 109.0415% | 3,863 |
| Total domestic deposits to total assets | 77.5566% | 5,858 |
| Equity capital to assets | 9.6879% | 4,438 |
| Core capital (leverage) ratio | 9.6282% | 3,850 |
| Tier 1 risk-based capital ratio | 12.1611% | 4,702 |
| Total risk-based capital ratio | 13.4118% | 4,588 |
| Memoranda: | ||
| Average total assets | $105,924,800 | 4,878 |
| Average earning assets | $98,611,600 | 4,843 |
| Average equity | $10,345,800 | 5,309 |
| Average total loans | $75,064,200 | 4,688 |