Home > DeSoto County Bank > Performance and Condition Ratios
DeSoto County Bank, Performance and Condition Ratios
| 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 | 5.2597% | 375 |
| Cost of funding earning assets | 0.5916% | 1,491 |
| Net interest margin | 4.6680% | 437 |
| Noninterest income to average assets | 0.5388% | 3,030 |
| Noninterest expense to average assets | 3.3850% | 1,514 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8769% | 2,860 |
| Return on assets (ROA) | 0.8769% | 2,988 |
| Pretax return on assets | 1.3667% | 2,012 |
| Return on Equity (ROE) | 7.3735% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.3735% | 1,824 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2371% | 3,291 |
| Assets per employee ($millions) | 4.7685% | 2,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9855% | 1,111 |
| Loan loss allowance to noncurrent loans | 108.3904% | 3,488 |
| Noncurrent assets plus other real estate owned to assets | 3.2505% | 541 |
| Noncurrent loans to loans | 1.8318% | 1,470 |
| Net loans and leases to total assets | 77.0946% | 1,046 |
| Net loans and leases to deposits | 88.1256% | 1,598 |
| Net loans and leases to core deposits | 115.4127% | 538 |
| Total domestic deposits to total assets | 87.4827% | 2,116 |
| Equity capital to assets | 12.1015% | 1,955 |
| Core capital (leverage) ratio | 11.8378% | 1,747 |
| Tier 1 risk-based capital ratio | 15.4029% | 3,195 |
| Total risk-based capital ratio | 16.6395% | 3,136 |
| Memoranda: | ||
| Average total assets | $81,655,500 | 4,995 |
| Average earning assets | $73,692,500 | 5,009 |
| Average equity | $9,710,500 | 4,847 |
| Average total loans | $64,735,500 | 4,343 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 350 |
| Cost of funding earning assets | 0.6081% | 1,699 |
| Net interest margin | 4.8356% | 406 |
| Noninterest income to average assets | 0.6075% | 2,810 |
| Noninterest expense to average assets | 3.2349% | 2,112 |
| Loan and lease loss provision to assets | 0.2534% | 890 |
| Net operating income to assets | 0.9566% | 2,592 |
| Return on assets (ROA) | 0.9566% | 2,675 |
| Pretax return on assets | 1.4560% | 1,705 |
| Return on Equity (ROE) | 8.4160% | 2,899 |
| Retained earnings to average equity (ytd only) | 8.4160% | 863 |
| Net charge-offs to loans | 0.0238% | 4,362 |
| Credit loss provision to net charge-offs | 1,360.0000% | 210 |
| Earnings coverage of net charge-offs (x) | 91.7333% | 567 |
| Efficiency ratio | 65.4271% | 4,334 |
| Assets per employee ($millions) | 4.3288% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9267% | 1,255 |
| Loan loss allowance to noncurrent loans | 101.3611% | 3,682 |
| Noncurrent assets plus other real estate owned to assets | 3.3193% | 572 |
| Noncurrent loans to loans | 1.9008% | 1,486 |
| Net loans and leases to total assets | 78.3530% | 957 |
| Net loans and leases to deposits | 93.1109% | 1,171 |
| Net loans and leases to core deposits | 121.0788% | 386 |
| Total domestic deposits to total assets | 84.1502% | 3,648 |
| Equity capital to assets | 11.6855% | 2,268 |
| Core capital (leverage) ratio | 11.6383% | 1,877 |
| Tier 1 risk-based capital ratio | 14.5146% | 3,769 |
| Total risk-based capital ratio | 15.7723% | 3,705 |
| Memoranda: | ||
| Average total assets | $80,496,800 | 5,051 |
| Average earning assets | $72,193,400 | 5,082 |
| Average equity | $9,149,200 | 4,936 |
| Average total loans | $62,971,600 | 4,400 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4310% | 352 |
| Cost of funding earning assets | 0.6022% | 1,805 |
| Net interest margin | 4.8288% | 402 |
| Noninterest income to average assets | 0.5879% | 2,941 |
| Noninterest expense to average assets | 3.2525% | 2,023 |
| Loan and lease loss provision to assets | 0.2731% | 761 |
| Net operating income to assets | 0.7794% | 3,516 |
| Return on assets (ROA) | 0.7794% | 3,622 |
| Pretax return on assets | 1.3889% | 2,052 |
| Return on Equity (ROE) | 6.9072% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.9072% | 1,865 |
| Net charge-offs to loans | 0.0278% | 3,941 |
| Credit loss provision to net charge-offs | 1,261.5385% | 274 |
| Earnings coverage of net charge-offs (x) | 76.7819% | 725 |
| Efficiency ratio | 66.1810% | 4,191 |
| Assets per employee ($millions) | 4.3053% | 3,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8940% | 1,467 |
| Loan loss allowance to noncurrent loans | 93.8838% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 3.3520% | 647 |
| Noncurrent loans to loans | 2.0174% | 1,568 |
| Net loans and leases to total assets | 77.7607% | 982 |
| Net loans and leases to deposits | 88.7130% | 1,590 |
| Net loans and leases to core deposits | 115.6864% | 519 |
| Total domestic deposits to total assets | 87.6542% | 1,951 |
| Equity capital to assets | 11.3617% | 2,618 |
| Core capital (leverage) ratio | 11.5791% | 1,997 |
| Tier 1 risk-based capital ratio | 14.2901% | 4,032 |
| Total risk-based capital ratio | 15.5483% | 3,946 |
| Memoranda: | ||
| Average total assets | $80,059,250 | 5,122 |
| Average earning assets | $71,735,000 | 5,147 |
| Average equity | $9,033,750 | 5,004 |
| Average total loans | $62,287,250 | 4,453 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3957% | 373 |
| Cost of funding earning assets | 0.5986% | 1,909 |
| Net interest margin | 4.7971% | 416 |
| Noninterest income to average assets | 0.5813% | 2,921 |
| Noninterest expense to average assets | 3.2914% | 1,943 |
| Loan and lease loss provision to assets | 0.2567% | 842 |
| Net operating income to assets | 0.7172% | 3,746 |
| Return on assets (ROA) | 0.7172% | 3,844 |
| Pretax return on assets | 1.3085% | 2,223 |
| Return on Equity (ROE) | 6.3709% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.3709% | 2,105 |
| Net charge-offs to loans | -0.0293% | 5,676 |
| Credit loss provision to net charge-offs | -1,133.3333% | 5,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7720% | 4,045 |
| Assets per employee ($millions) | 4.2847% | 3,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 1,625 |
| Loan loss allowance to noncurrent loans | 77.1577% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 3.5058% | 665 |
| Noncurrent loans to loans | 2.4390% | 1,285 |
| Net loans and leases to total assets | 76.1488% | 1,141 |
| Net loans and leases to deposits | 88.3492% | 1,555 |
| Net loans and leases to core deposits | 116.6250% | 462 |
| Total domestic deposits to total assets | 86.1907% | 2,940 |
| Equity capital to assets | 11.1892% | 2,706 |
| Core capital (leverage) ratio | 11.5130% | 1,991 |
| Tier 1 risk-based capital ratio | 14.1820% | 4,136 |
| Total risk-based capital ratio | 15.4076% | 4,087 |
| Memoranda: | ||
| Average total assets | $79,478,670 | 5,169 |
| Average earning assets | $70,834,330 | 5,203 |
| Average equity | $8,947,000 | 5,041 |
| Average total loans | $61,437,330 | 4,496 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2421% | 451 |
| Cost of funding earning assets | 0.6015% | 1,959 |
| Net interest margin | 4.6405% | 522 |
| Noninterest income to average assets | 0.5961% | 2,758 |
| Noninterest expense to average assets | 3.3574% | 1,810 |
| Loan and lease loss provision to assets | 0.2802% | 727 |
| Net operating income to assets | 0.5961% | 4,216 |
| Return on assets (ROA) | 0.5961% | 4,292 |
| Pretax return on assets | 1.0852% | 2,977 |
| Return on Equity (ROE) | 5.2786% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.2786% | 2,936 |
| Net charge-offs to loans | -0.0330% | 5,615 |
| Credit loss provision to net charge-offs | -1,100.0000% | 5,358 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0895% | 3,646 |
| Assets per employee ($millions) | 3.7905% | 4,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8912% | 1,781 |
| Loan loss allowance to noncurrent loans | 76.1714% | 4,288 |
| Noncurrent assets plus other real estate owned to assets | 3.9070% | 623 |
| Noncurrent loans to loans | 2.4828% | 1,393 |
| Net loans and leases to total assets | 74.1646% | 1,240 |
| Net loans and leases to deposits | 84.9926% | 1,725 |
| Net loans and leases to core deposits | 108.9026% | 633 |
| Total domestic deposits to total assets | 87.2601% | 2,660 |
| Equity capital to assets | 11.2111% | 2,510 |
| Core capital (leverage) ratio | 11.2287% | 2,196 |
| Tier 1 risk-based capital ratio | 14.2914% | 4,136 |
| Total risk-based capital ratio | 15.5193% | 4,101 |
| Memoranda: | ||
| Average total assets | $78,513,500 | 5,242 |
| Average earning assets | $69,820,000 | 5,276 |
| Average equity | $8,866,000 | 5,089 |
| Average total loans | $60,565,500 | 4,569 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3789% | 456 |
| Cost of funding earning assets | 0.7056% | 1,772 |
| Net interest margin | 4.6733% | 534 |
| Noninterest income to average assets | 0.4787% | 3,901 |
| Noninterest expense to average assets | 3.4680% | 1,731 |
| Loan and lease loss provision to assets | 0.3459% | 918 |
| Net operating income to assets | 0.5655% | 4,428 |
| Return on assets (ROA) | 0.5655% | 4,540 |
| Pretax return on assets | 0.7901% | 4,182 |
| Return on Equity (ROE) | 4.3839% | 4,945 |
| Retained earnings to average equity (ytd only) | 3.1469% | 3,997 |
| Net charge-offs to loans | 0.6606% | 982 |
| Credit loss provision to net charge-offs | 69.6658% | 3,316 |
| Earnings coverage of net charge-offs (x) | 2.2879% | 4,251 |
| Efficiency ratio | 75.3258% | 2,893 |
| Assets per employee ($millions) | 3.5194% | 4,861 |
| Cash dividends to net income (ytd only)* | 28.2167% | 3,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7684% | 2,166 |
| Loan loss allowance to noncurrent loans | 82.9231% | 4,100 |
| Noncurrent assets plus other real estate owned to assets | 4.1394% | 629 |
| Noncurrent loans to loans | 2.1326% | 1,843 |
| Net loans and leases to total assets | 77.3374% | 911 |
| Net loans and leases to deposits | 91.0639% | 1,152 |
| Net loans and leases to core deposits | 116.2177% | 411 |
| Total domestic deposits to total assets | 84.9264% | 3,784 |
| Equity capital to assets | 11.3759% | 2,260 |
| Core capital (leverage) ratio | 11.3670% | 2,059 |
| Tier 1 risk-based capital ratio | 14.1697% | 4,171 |
| Total risk-based capital ratio | 15.3920% | 4,148 |
| Memoranda: | ||
| Average total assets | $78,344,400 | 5,274 |
| Average earning assets | $69,159,000 | 5,326 |
| Average equity | $10,105,200 | 4,822 |
| Average total loans | $58,888,000 | 4,652 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3737% | 463 |
| Cost of funding earning assets | 0.7329% | 1,722 |
| Net interest margin | 4.6407% | 572 |
| Noninterest income to average assets | 1.2998% | 878 |
| Noninterest expense to average assets | 3.4701% | 1,675 |
| Loan and lease loss provision to assets | 0.4598% | 615 |
| Net operating income to assets | 0.9333% | 2,674 |
| Return on assets (ROA) | 0.9333% | 2,785 |
| Pretax return on assets | 1.4525% | 1,756 |
| Return on Equity (ROE) | 7.0312% | 3,631 |
| Retained earnings to average equity (ytd only) | 5.5482% | 2,696 |
| Net charge-offs to loans | 0.6487% | 942 |
| Credit loss provision to net charge-offs | 95.4225% | 2,499 |
| Earnings coverage of net charge-offs (x) | 3.9683% | 3,569 |
| Efficiency ratio | 64.4704% | 4,726 |
| Assets per employee ($millions) | 3.5748% | 4,699 |
| Cash dividends to net income (ytd only)* | 21.0904% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0046% | 1,708 |
| Loan loss allowance to noncurrent loans | 77.4215% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 5.1853% | 524 |
| Noncurrent loans to loans | 2.5892% | 1,645 |
| Net loans and leases to total assets | 73.5333% | 1,361 |
| Net loans and leases to deposits | 86.3291% | 1,577 |
| Net loans and leases to core deposits | 109.0061% | 620 |
| Total domestic deposits to total assets | 85.1779% | 3,649 |
| Equity capital to assets | 11.5785% | 2,239 |
| Core capital (leverage) ratio | 11.5153% | 2,032 |
| Tier 1 risk-based capital ratio | 15.0285% | 3,735 |
| Total risk-based capital ratio | 16.2911% | 3,681 |
| Memoranda: | ||
| Average total assets | $78,573,750 | 5,323 |
| Average earning assets | $69,125,500 | 5,382 |
| Average equity | $10,429,500 | 4,808 |
| Average total loans | $58,370,500 | 4,708 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3664% | 470 |
| Cost of funding earning assets | 0.7340% | 1,813 |
| Net interest margin | 4.6323% | 571 |
| Noninterest income to average assets | 0.5169% | 3,723 |
| Noninterest expense to average assets | 3.4653% | 1,687 |
| Loan and lease loss provision to assets | 0.4838% | 579 |
| Net operating income to assets | 0.4354% | 5,083 |
| Return on assets (ROA) | 0.4354% | 5,243 |
| Pretax return on assets | 0.6493% | 4,841 |
| Return on Equity (ROE) | 3.1461% | 5,570 |
| Retained earnings to average equity (ytd only) | 1.8582% | 5,089 |
| Net charge-offs to loans | 0.9492% | 648 |
| Credit loss provision to net charge-offs | 68.8406% | 2,845 |
| Earnings coverage of net charge-offs (x) | 1.6123% | 3,986 |
| Efficiency ratio | 75.3599% | 2,888 |
| Assets per employee ($millions) | 3.5803% | 4,669 |
| Cash dividends to net income (ytd only)* | 40.9357% | 2,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8372% | 2,304 |
| Loan loss allowance to noncurrent loans | 87.5493% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 5.1544% | 589 |
| Noncurrent loans to loans | 2.0985% | 2,280 |
| Net loans and leases to total assets | 75.3640% | 1,061 |
| Net loans and leases to deposits | 92.3161% | 932 |
| Net loans and leases to core deposits | 112.3195% | 478 |
| Total domestic deposits to total assets | 81.6370% | 5,165 |
| Equity capital to assets | 13.8307% | 1,015 |
| Core capital (leverage) ratio | 13.5548% | 957 |
| Tier 1 risk-based capital ratio | 17.7326% | 2,425 |
| Total risk-based capital ratio | 18.7151% | 2,497 |
| Memoranda: | ||
| Average total assets | $78,549,670 | 5,355 |
| Average earning assets | $69,209,000 | 5,413 |
| Average equity | $10,870,670 | 4,753 |
| Average total loans | $58,156,000 | 4,740 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3824% | 444 |
| Cost of funding earning assets | 0.7490% | 1,858 |
| Net interest margin | 4.6334% | 539 |
| Noninterest income to average assets | 0.4946% | 3,805 |
| Noninterest expense to average assets | 3.3299% | 2,010 |
| Loan and lease loss provision to assets | 0.6425% | 381 |
| Net operating income to assets | 0.4029% | 5,123 |
| Return on assets (ROA) | 0.4029% | 5,267 |
| Pretax return on assets | 0.5915% | 4,975 |
| Return on Equity (ROE) | 2.9100% | 5,619 |
| Retained earnings to average equity (ytd only) | 1.6208% | 5,174 |
| Net charge-offs to loans | 1.9439% | 243 |
| Credit loss provision to net charge-offs | 45.4874% | 2,672 |
| Earnings coverage of net charge-offs (x) | 0.8736% | 3,544 |
| Efficiency ratio | 72.9609% | 3,450 |
| Assets per employee ($millions) | 3.6776% | 4,608 |
| Cash dividends to net income (ytd only)* | 44.3038% | 1,723 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8136% | 2,573 |
| Loan loss allowance to noncurrent loans | 106.4155% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 5.1158% | 703 |
| Noncurrent loans to loans | 1.7042% | 2,990 |
| Net loans and leases to total assets | 69.9272% | 1,670 |
| Net loans and leases to deposits | 86.6136% | 1,281 |
| Net loans and leases to core deposits | 104.4127% | 698 |
| Total domestic deposits to total assets | 80.7347% | 5,563 |
| Equity capital to assets | 13.4562% | 1,227 |
| Core capital (leverage) ratio | 13.9128% | 819 |
| Tier 1 risk-based capital ratio | 18.3547% | 2,242 |
| Total risk-based capital ratio | 19.6098% | 2,205 |
| Memoranda: | ||
| Average total assets | $78,441,000 | 5,403 |
| Average earning assets | $68,891,000 | 5,465 |
| Average equity | $10,859,000 | 4,796 |
| Average total loans | $56,997,500 | 4,816 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6959% | 436 |
| Cost of funding earning assets | 0.9122% | 1,869 |
| Net interest margin | 4.7836% | 558 |
| Noninterest income to average assets | 0.4164% | 4,482 |
| Noninterest expense to average assets | 3.5477% | 1,724 |
| Loan and lease loss provision to assets | 0.3321% | 2,046 |
| Net operating income to assets | 0.6566% | 3,955 |
| Return on assets (ROA) | 0.6537% | 4,238 |
| Pretax return on assets | 0.8658% | 4,047 |
| Return on Equity (ROE) | 4.6507% | 4,856 |
| Retained earnings to average equity (ytd only) | 3.3474% | 3,866 |
| Net charge-offs to loans | 0.4587% | 2,401 |
| Credit loss provision to net charge-offs | 94.0299% | 3,312 |
| Earnings coverage of net charge-offs (x) | 3.4030% | 3,742 |
| Efficiency ratio | 74.6948% | 2,948 |
| Assets per employee ($millions) | 3.9987% | 3,954 |
| Cash dividends to net income (ytd only)* | 28.0242% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,707 |
| Loan loss allowance to noncurrent loans | 320.6434% | 1,222 |
| Noncurrent assets plus other real estate owned to assets | 4.3119% | 970 |
| Noncurrent loans to loans | 0.6617% | 4,874 |
| Net loans and leases to total assets | 72.6265% | 1,401 |
| Net loans and leases to deposits | 89.0269% | 1,161 |
| Net loans and leases to core deposits | 108.4644% | 593 |
| Total domestic deposits to total assets | 81.5782% | 5,234 |
| Equity capital to assets | 14.2560% | 955 |
| Core capital (leverage) ratio | 14.2624% | 726 |
| Tier 1 risk-based capital ratio | 19.1899% | 1,906 |
| Total risk-based capital ratio | 20.4675% | 1,868 |
| Memoranda: | ||
| Average total assets | $75,880,800 | 5,461 |
| Average earning assets | $68,734,200 | 5,472 |
| Average equity | $10,665,000 | 4,823 |
| Average total loans | $58,423,400 | 4,778 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7434% | 427 |
| Cost of funding earning assets | 0.9402% | 1,912 |
| Net interest margin | 4.8031% | 560 |
| Noninterest income to average assets | 0.3744% | 4,833 |
| Noninterest expense to average assets | 3.5469% | 1,659 |
| Loan and lease loss provision to assets | 0.2689% | 2,425 |
| Net operating income to assets | 0.8183% | 3,354 |
| Return on assets (ROA) | 0.8138% | 3,621 |
| Pretax return on assets | 0.9439% | 3,944 |
| Return on Equity (ROE) | 5.8109% | 4,432 |
| Retained earnings to average equity (ytd only) | 4.4931% | 3,734 |
| Net charge-offs to loans | 0.1991% | 3,532 |
| Credit loss provision to net charge-offs | 173.8636% | 1,603 |
| Earnings coverage of net charge-offs (x) | 7.8751% | 2,537 |
| Efficiency ratio | 74.4375% | 2,910 |
| Assets per employee ($millions) | 4.1821% | 3,515 |
| Cash dividends to net income (ytd only)* | 22.6787% | 2,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3139% | 1,490 |
| Loan loss allowance to noncurrent loans | 134.8469% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 4.8421% | 929 |
| Noncurrent loans to loans | 1.7160% | 3,211 |
| Net loans and leases to total assets | 71.6168% | 1,619 |
| Net loans and leases to deposits | 86.8594% | 1,502 |
| Net loans and leases to core deposits | 105.2045% | 792 |
| Total domestic deposits to total assets | 82.4515% | 4,855 |
| Equity capital to assets | 14.4055% | 999 |
| Core capital (leverage) ratio | 14.3289% | 747 |
| Tier 1 risk-based capital ratio | 20.6149% | 1,616 |
| Total risk-based capital ratio | 21.8982% | 1,577 |
| Memoranda: | ||
| Average total assets | $75,857,250 | 5,522 |
| Average earning assets | $69,342,250 | 5,515 |
| Average equity | $10,623,500 | 4,882 |
| Average total loans | $58,935,750 | 4,802 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7916% | 410 |
| Cost of funding earning assets | 0.9936% | 1,799 |
| Net interest margin | 4.7980% | 562 |
| Noninterest income to average assets | 0.4366% | 4,387 |
| Noninterest expense to average assets | 3.5713% | 1,640 |
| Loan and lease loss provision to assets | 0.3366% | 1,960 |
| Net operating income to assets | 0.7694% | 3,517 |
| Return on assets (ROA) | 0.7626% | 3,808 |
| Pretax return on assets | 0.9020% | 4,073 |
| Return on Equity (ROE) | 5.4976% | 4,584 |
| Retained earnings to average equity (ytd only) | 4.1706% | 3,831 |
| Net charge-offs to loans | 0.2426% | 3,119 |
| Credit loss provision to net charge-offs | 175.3425% | 1,609 |
| Earnings coverage of net charge-offs (x) | 6.4932% | 2,627 |
| Efficiency ratio | 74.1266% | 3,054 |
| Assets per employee ($millions) | 4.2361% | 3,387 |
| Cash dividends to net income (ytd only)* | 24.1379% | 2,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1080% | 1,979 |
| Loan loss allowance to noncurrent loans | 224.6454% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 4.3895% | 1,132 |
| Noncurrent loans to loans | 0.9384% | 4,634 |
| Net loans and leases to total assets | 77.1620% | 822 |
| Net loans and leases to deposits | 94.8448% | 706 |
| Net loans and leases to core deposits | 113.2115% | 474 |
| Total domestic deposits to total assets | 81.3561% | 5,345 |
| Equity capital to assets | 14.0131% | 1,092 |
| Core capital (leverage) ratio | 13.9150% | 827 |
| Tier 1 risk-based capital ratio | 18.7596% | 2,045 |
| Total risk-based capital ratio | 19.9323% | 2,032 |
| Memoranda: | ||
| Average total assets | $76,050,670 | 5,546 |
| Average earning assets | $69,446,000 | 5,544 |
| Average equity | $10,550,000 | 4,903 |
| Average total loans | $60,185,000 | 4,784 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7411% | 478 |
| Cost of funding earning assets | 1.0501% | 1,674 |
| Net interest margin | 4.6910% | 694 |
| Noninterest income to average assets | 0.4108% | 4,586 |
| Noninterest expense to average assets | 3.6234% | 1,517 |
| Loan and lease loss provision to assets | 0.3581% | 1,759 |
| Net operating income to assets | 0.6373% | 4,184 |
| Return on assets (ROA) | 0.6373% | 4,397 |
| Pretax return on assets | 0.7110% | 4,755 |
| Return on Equity (ROE) | 4.6172% | 4,978 |
| Retained earnings to average equity (ytd only) | 3.2817% | 4,601 |
| Net charge-offs to loans | 0.5380% | 1,739 |
| Credit loss provision to net charge-offs | 83.9506% | 2,665 |
| Earnings coverage of net charge-offs (x) | 2.5062% | 3,164 |
| Efficiency ratio | 77.2166% | 2,617 |
| Assets per employee ($millions) | 4.0547% | 3,898 |
| Cash dividends to net income (ytd only)* | 28.9256% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0032% | 2,342 |
| Loan loss allowance to noncurrent loans | 183.8957% | 1,789 |
| Noncurrent assets plus other real estate owned to assets | 4.4886% | 1,193 |
| Noncurrent loans to loans | 1.0893% | 4,513 |
| Net loans and leases to total assets | 76.1358% | 783 |
| Net loans and leases to deposits | 92.5231% | 762 |
| Net loans and leases to core deposits | 110.6155% | 518 |
| Total domestic deposits to total assets | 82.2884% | 5,206 |
| Equity capital to assets | 13.6747% | 1,161 |
| Core capital (leverage) ratio | 13.9352% | 820 |
| Tier 1 risk-based capital ratio | 18.3726% | 2,180 |
| Total risk-based capital ratio | 19.6334% | 2,145 |
| Memoranda: | ||
| Average total assets | $75,951,000 | 5,596 |
| Average earning assets | $69,324,500 | 5,586 |
| Average equity | $10,482,500 | 4,921 |
| Average total loans | $60,226,000 | 4,811 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0071% | 428 |
| Cost of funding earning assets | 1.3140% | 1,417 |
| Net interest margin | 4.6931% | 767 |
| Noninterest income to average assets | 0.2375% | 5,841 |
| Noninterest expense to average assets | 3.5131% | 1,948 |
| Loan and lease loss provision to assets | 0.8061% | 1,213 |
| Net operating income to assets | 0.2734% | 5,358 |
| Return on assets (ROA) | 0.2631% | 5,536 |
| Pretax return on assets | 0.2631% | 5,648 |
| Return on Equity (ROE) | 1.9842% | 5,666 |
| Retained earnings to average equity (ytd only) | 0.6388% | 5,547 |
| Net charge-offs to loans | 1.0985% | 1,567 |
| Credit loss provision to net charge-offs | 88.3263% | 4,085 |
| Earnings coverage of net charge-offs (x) | 1.1828% | 4,902 |
| Efficiency ratio | 76.4952% | 2,823 |
| Assets per employee ($millions) | 3.9401% | 3,985 |
| Cash dividends to net income (ytd only)* | 67.8049% | 1,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0001% | 2,277 |
| Loan loss allowance to noncurrent loans | 106.4091% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 4.8022% | 1,127 |
| Noncurrent loans to loans | 1.8796% | 3,367 |
| Net loans and leases to total assets | 79.3273% | 563 |
| Net loans and leases to deposits | 96.9678% | 629 |
| Net loans and leases to core deposits | 115.9204% | 447 |
| Total domestic deposits to total assets | 81.8079% | 5,187 |
| Equity capital to assets | 13.9323% | 1,089 |
| Core capital (leverage) ratio | 13.7373% | 884 |
| Tier 1 risk-based capital ratio | 18.5536% | 2,030 |
| Total risk-based capital ratio | 19.8183% | 1,993 |
| Memoranda: | ||
| Average total assets | $77,909,200 | 5,506 |
| Average earning assets | $72,298,200 | 5,464 |
| Average equity | $10,331,400 | 4,937 |
| Average total loans | $64,722,200 | 4,690 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0382% | 426 |
| Cost of funding earning assets | 1.3626% | 1,409 |
| Net interest margin | 4.6756% | 805 |
| Noninterest income to average assets | 0.1254% | 6,628 |
| Noninterest expense to average assets | 3.4591% | 2,052 |
| Loan and lease loss provision to assets | 0.9796% | 890 |
| Net operating income to assets | -0.0337% | 6,198 |
| Return on assets (ROA) | -0.0424% | 6,306 |
| Pretax return on assets | 0.0288% | 6,195 |
| Return on Equity (ROE) | -0.3234% | 6,304 |
| Retained earnings to average equity (ytd only) | -1.5653% | 6,236 |
| Net charge-offs to loans | 1.3403% | 1,130 |
| Credit loss provision to net charge-offs | 87.4433% | 3,873 |
| Earnings coverage of net charge-offs (x) | 0.9123% | 4,940 |
| Efficiency ratio | 77.1936% | 2,650 |
| Assets per employee ($millions) | 4.3023% | 3,271 |
| Cash dividends to net income (ytd only)* | -384.0384% | 7,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9721% | 2,411 |
| Loan loss allowance to noncurrent loans | 162.4665% | 1,885 |
| Noncurrent assets plus other real estate owned to assets | 4.9896% | 1,154 |
| Noncurrent loans to loans | 1.2139% | 4,520 |
| Net loans and leases to total assets | 77.7934% | 729 |
| Net loans and leases to deposits | 94.1415% | 823 |
| Net loans and leases to core deposits | 112.4144% | 592 |
| Total domestic deposits to total assets | 82.6345% | 4,824 |
| Equity capital to assets | 13.2501% | 1,492 |
| Core capital (leverage) ratio | 12.8056% | 1,296 |
| Tier 1 risk-based capital ratio | 17.7890% | 2,335 |
| Total risk-based capital ratio | 19.0423% | 2,304 |
| Memoranda: | ||
| Average total assets | $78,671,000 | 5,536 |
| Average earning assets | $73,286,750 | 5,471 |
| Average equity | $10,306,750 | 4,963 |
| Average total loans | $65,753,250 | 4,687 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9852% | 490 |
| Cost of funding earning assets | 1.4113% | 1,369 |
| Net interest margin | 4.5739% | 962 |
| Noninterest income to average assets | 0.2150% | 6,129 |
| Noninterest expense to average assets | 3.4420% | 2,149 |
| Loan and lease loss provision to assets | 0.4957% | 1,986 |
| Net operating income to assets | 0.4880% | 4,551 |
| Return on assets (ROA) | 0.4704% | 4,779 |
| Pretax return on assets | 0.5437% | 4,924 |
| Return on Equity (ROE) | 3.6040% | 5,114 |
| Retained earnings to average equity (ytd only) | 2.3639% | 4,785 |
| Net charge-offs to loans | 0.4555% | 2,757 |
| Credit loss provision to net charge-offs | 128.1046% | 2,387 |
| Earnings coverage of net charge-offs (x) | 2.7386% | 3,472 |
| Efficiency ratio | 76.4607% | 2,944 |
| Assets per employee ($millions) | 4.7715% | 2,451 |
| Cash dividends to net income (ytd only)* | 34.4086% | 2,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0054% | 2,362 |
| Loan loss allowance to noncurrent loans | 74.3333% | 3,765 |
| Noncurrent assets plus other real estate owned to assets | 3.4519% | 1,909 |
| Noncurrent loans to loans | 2.6978% | 2,697 |
| Net loans and leases to total assets | 80.6041% | 485 |
| Net loans and leases to deposits | 98.3084% | 581 |
| Net loans and leases to core deposits | 120.7937% | 400 |
| Total domestic deposits to total assets | 81.9910% | 5,174 |
| Equity capital to assets | 12.9064% | 1,566 |
| Core capital (leverage) ratio | 12.7965% | 1,249 |
| Tier 1 risk-based capital ratio | 16.9391% | 2,551 |
| Total risk-based capital ratio | 18.1998% | 2,517 |
| Memoranda: | ||
| Average total assets | $79,081,000 | 5,574 |
| Average earning assets | $74,116,000 | 5,488 |
| Average equity | $10,322,000 | 4,970 |
| Average total loans | $67,185,670 | 4,671 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1262% | 381 |
| Cost of funding earning assets | 1.4272% | 1,480 |
| Net interest margin | 4.6989% | 704 |
| Noninterest income to average assets | 0.2767% | 5,693 |
| Noninterest expense to average assets | 3.4689% | 2,087 |
| Loan and lease loss provision to assets | 0.6456% | 1,332 |
| Net operating income to assets | 0.4560% | 4,687 |
| Return on assets (ROA) | 0.4560% | 4,776 |
| Pretax return on assets | 0.5483% | 4,871 |
| Return on Equity (ROE) | 3.4737% | 5,156 |
| Retained earnings to average equity (ytd only) | 2.1076% | 4,877 |
| Net charge-offs to loans | 0.5518% | 2,115 |
| Credit loss provision to net charge-offs | 135.4839% | 2,055 |
| Earnings coverage of net charge-offs (x) | 2.5054% | 3,080 |
| Efficiency ratio | 74.3956% | 3,445 |
| Assets per employee ($millions) | 5.2232% | 1,862 |
| Cash dividends to net income (ytd only)* | 39.3258% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9748% | 2,478 |
| Loan loss allowance to noncurrent loans | 62.4354% | 4,284 |
| Noncurrent assets plus other real estate owned to assets | 4.0154% | 1,664 |
| Noncurrent loans to loans | 3.1630% | 2,376 |
| Net loans and leases to total assets | 84.1362% | 221 |
| Net loans and leases to deposits | 103.1177% | 340 |
| Net loans and leases to core deposits | 121.5500% | 388 |
| Total domestic deposits to total assets | 81.5924% | 5,460 |
| Equity capital to assets | 13.1171% | 1,330 |
| Core capital (leverage) ratio | 13.4014% | 994 |
| Tier 1 risk-based capital ratio | 16.4664% | 2,675 |
| Total risk-based capital ratio | 17.7075% | 2,660 |
| Memoranda: | ||
| Average total assets | $78,064,000 | 5,643 |
| Average earning assets | $72,867,500 | 5,573 |
| Average equity | $10,248,500 | 4,975 |
| Average total loans | $67,418,500 | 4,710 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3454% | 424 |
| Cost of funding earning assets | 1.6277% | 1,919 |
| Net interest margin | 4.7177% | 786 |
| Noninterest income to average assets | 0.1405% | 6,688 |
| Noninterest expense to average assets | 3.3000% | 2,738 |
| Loan and lease loss provision to assets | 0.6559% | 2,515 |
| Net operating income to assets | 0.8318% | 2,662 |
| Return on assets (ROA) | 0.6804% | 3,431 |
| Pretax return on assets | 0.5073% | 4,594 |
| Return on Equity (ROE) | 4.9672% | 4,083 |
| Retained earnings to average equity (ytd only) | 3.6732% | 3,285 |
| Net charge-offs to loans | 0.1746% | 5,278 |
| Credit loss provision to net charge-offs | 433.3333% | 538 |
| Earnings coverage of net charge-offs (x) | 8.6847% | 1,936 |
| Efficiency ratio | 71.5130% | 3,887 |
| Assets per employee ($millions) | 5.1853% | 1,880 |
| Cash dividends to net income (ytd only)* | 26.0521% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9160% | 2,515 |
| Loan loss allowance to noncurrent loans | 353.8251% | 878 |
| Noncurrent assets plus other real estate owned to assets | 1.1083% | 4,794 |
| Noncurrent loans to loans | 0.5415% | 5,968 |
| Net loans and leases to total assets | 85.2340% | 225 |
| Net loans and leases to deposits | 104.4147% | 384 |
| Net loans and leases to core deposits | 121.9286% | 473 |
| Total domestic deposits to total assets | 81.6302% | 5,315 |
| Equity capital to assets | 13.1396% | 1,324 |
| Core capital (leverage) ratio | 13.1172% | 1,090 |
| Tier 1 risk-based capital ratio | 15.8024% | 2,840 |
| Total risk-based capital ratio | 17.0015% | 2,829 |
| Memoranda: | ||
| Average total assets | $73,334,400 | 5,777 |
| Average earning assets | $69,546,800 | 5,686 |
| Average equity | $10,045,800 | 5,116 |
| Average total loans | $63,582,600 | 4,927 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2852% | 525 |
| Cost of funding earning assets | 1.6222% | 2,267 |
| Net interest margin | 4.6630% | 919 |
| Noninterest income to average assets | 0.1440% | 6,825 |
| Noninterest expense to average assets | 3.2990% | 2,577 |
| Loan and lease loss provision to assets | 0.6129% | 2,490 |
| Net operating income to assets | 0.6683% | 3,554 |
| Return on assets (ROA) | 0.6683% | 3,718 |
| Pretax return on assets | 0.6683% | 4,356 |
| Return on Equity (ROE) | 4.8254% | 4,387 |
| Retained earnings to average equity (ytd only) | 3.5591% | 3,945 |
| Net charge-offs to loans | 0.1662% | 4,986 |
| Credit loss provision to net charge-offs | 425.6410% | 712 |
| Earnings coverage of net charge-offs (x) | 8.8972% | 2,096 |
| Efficiency ratio | 72.0274% | 3,692 |
| Assets per employee ($millions) | 5.0689% | 2,091 |
| Cash dividends to net income (ytd only)* | 26.2426% | 2,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7774% | 2,859 |
| Loan loss allowance to noncurrent loans | 371.6088% | 804 |
| Noncurrent assets plus other real estate owned to assets | 1.0311% | 5,041 |
| Noncurrent loans to loans | 0.4783% | 6,236 |
| Net loans and leases to total assets | 85.6196% | 232 |
| Net loans and leases to deposits | 106.3395% | 350 |
| Net loans and leases to core deposits | 126.8388% | 437 |
| Total domestic deposits to total assets | 80.5153% | 5,537 |
| Equity capital to assets | 13.2743% | 1,461 |
| Core capital (leverage) ratio | 13.8154% | 960 |
| Tier 1 risk-based capital ratio | 15.8444% | 2,842 |
| Total risk-based capital ratio | 17.0574% | 2,805 |
| Memoranda: | ||
| Average total assets | $72,223,000 | 5,869 |
| Average earning assets | $68,709,750 | 5,782 |
| Average equity | $10,002,250 | 5,194 |
| Average total loans | $62,580,750 | 5,050 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2084% | 613 |
| Cost of funding earning assets | 1.6789% | 2,234 |
| Net interest margin | 4.5295% | 1,145 |
| Noninterest income to average assets | 0.2791% | 5,921 |
| Noninterest expense to average assets | 3.3403% | 2,430 |
| Loan and lease loss provision to assets | 0.6060% | 2,369 |
| Net operating income to assets | 0.6370% | 3,694 |
| Return on assets (ROA) | 0.6370% | 3,837 |
| Pretax return on assets | 0.6370% | 4,445 |
| Return on Equity (ROE) | 4.5327% | 4,522 |
| Retained earnings to average equity (ytd only) | 3.3293% | 3,990 |
| Net charge-offs to loans | 0.2086% | 4,364 |
| Credit loss provision to net charge-offs | 335.9375% | 1,081 |
| Earnings coverage of net charge-offs (x) | 6.8906% | 2,391 |
| Efficiency ratio | 72.8782% | 3,684 |
| Assets per employee ($millions) | 5.5162% | 1,607 |
| Cash dividends to net income (ytd only)* | 26.5487% | 2,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7083% | 3,040 |
| Loan loss allowance to noncurrent loans | 220.2869% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 1.3736% | 4,425 |
| Noncurrent loans to loans | 0.7755% | 5,720 |
| Net loans and leases to total assets | 86.2518% | 215 |
| Net loans and leases to deposits | 106.4725% | 372 |
| Net loans and leases to core deposits | 123.4448% | 584 |
| Total domestic deposits to total assets | 81.0085% | 5,395 |
| Equity capital to assets | 14.0676% | 1,140 |
| Core capital (leverage) ratio | 14.3665% | 844 |
| Tier 1 risk-based capital ratio | 16.1517% | 2,607 |
| Total risk-based capital ratio | 17.4072% | 2,564 |
| Memoranda: | ||
| Average total assets | $70,952,670 | 5,947 |
| Average earning assets | $67,424,330 | 5,846 |
| Average equity | $9,972,000 | 5,209 |
| Average total loans | $61,348,330 | 5,119 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1572% | 699 |
| Cost of funding earning assets | 1.7532% | 2,113 |
| Net interest margin | 4.4040% | 1,378 |
| Noninterest income to average assets | 0.2494% | 6,156 |
| Noninterest expense to average assets | 3.4404% | 2,128 |
| Loan and lease loss provision to assets | 0.4138% | 2,890 |
| Net operating income to assets | 0.5668% | 4,048 |
| Return on assets (ROA) | 0.5668% | 4,192 |
| Pretax return on assets | 0.5668% | 4,731 |
| Return on Equity (ROE) | 4.0347% | 4,882 |
| Retained earnings to average equity (ytd only) | 2.9857% | 4,339 |
| Net charge-offs to loans | 0.0066% | 5,515 |
| Credit loss provision to net charge-offs | 7,300.0000% | 64 |
| Earnings coverage of net charge-offs (x) | 173.0000% | 197 |
| Efficiency ratio | 77.8205% | 2,926 |
| Assets per employee ($millions) | 5.4886% | 1,678 |
| Cash dividends to net income (ytd only)* | 26.0000% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6086% | 3,400 |
| Loan loss allowance to noncurrent loans | 85.1282% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 3.1408% | 2,281 |
| Noncurrent loans to loans | 1.8896% | 3,938 |
| Net loans and leases to total assets | 85.3809% | 260 |
| Net loans and leases to deposits | 103.8456% | 538 |
| Net loans and leases to core deposits | 120.6500% | 760 |
| Total domestic deposits to total assets | 82.2191% | 4,971 |
| Equity capital to assets | 14.0038% | 1,141 |
| Core capital (leverage) ratio | 14.2817% | 903 |
| Tier 1 risk-based capital ratio | 16.3049% | 2,526 |
| Total risk-based capital ratio | 17.5562% | 2,490 |
| Memoranda: | ||
| Average total assets | $70,573,500 | 6,032 |
| Average earning assets | $66,848,500 | 5,941 |
| Average equity | $9,914,000 | 5,261 |
| Average total loans | $60,559,000 | 5,224 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1208% | 1,465 |
| Cost of funding earning assets | 2.1805% | 2,112 |
| Net interest margin | 3.9403% | 3,116 |
| Noninterest income to average assets | 0.2398% | 6,369 |
| Noninterest expense to average assets | 3.6524% | 2,023 |
| Loan and lease loss provision to assets | 0.5046% | 3,855 |
| Net operating income to assets | -0.1732% | 5,805 |
| Return on assets (ROA) | -0.1732% | 5,801 |
| Pretax return on assets | -0.1732% | 5,673 |
| Return on Equity (ROE) | -1.2417% | 5,729 |
| Retained earnings to average equity (ytd only) | -1.8148% | 5,470 |
| Net charge-offs to loans | 0.2586% | 5,003 |
| Credit loss provision to net charge-offs | 233.0769% | 1,563 |
| Earnings coverage of net charge-offs (x) | 1.5308% | 4,600 |
| Efficiency ratio | 91.6806% | 1,592 |
| Assets per employee ($millions) | 4.9854% | 2,237 |
| Cash dividends to net income (ytd only)* | -46.1538% | 7,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5625% | 3,429 |
| Loan loss allowance to noncurrent loans | 84.3978% | 3,285 |
| Noncurrent assets plus other real estate owned to assets | 3.1048% | 2,236 |
| Noncurrent loans to loans | 1.8513% | 3,861 |
| Net loans and leases to total assets | 83.4960% | 490 |
| Net loans and leases to deposits | 101.7673% | 767 |
| Net loans and leases to core deposits | 131.0899% | 1,224 |
| Total domestic deposits to total assets | 82.0460% | 4,927 |
| Equity capital to assets | 14.0927% | 1,140 |
| Core capital (leverage) ratio | 15.0307% | 780 |
| Tier 1 risk-based capital ratio | 16.5693% | 2,285 |
| Total risk-based capital ratio | 17.8209% | 2,235 |
| Memoranda: | ||
| Average total assets | $60,042,600 | 6,351 |
| Average earning assets | $57,051,200 | 6,245 |
| Average equity | $8,375,600 | 5,814 |
| Average total loans | $50,276,000 | 5,657 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0604% | 1,796 |
| Cost of funding earning assets | 2.2531% | 2,176 |
| Net interest margin | 3.8072% | 3,626 |
| Noninterest income to average assets | 0.2268% | 6,607 |
| Noninterest expense to average assets | 3.7126% | 1,788 |
| Loan and lease loss provision to assets | 0.5347% | 3,245 |
| Net operating income to assets | -0.4027% | 6,321 |
| Return on assets (ROA) | -0.4027% | 6,323 |
| Pretax return on assets | -0.4027% | 6,202 |
| Return on Equity (ROE) | -2.8961% | 6,230 |
| Retained earnings to average equity (ytd only) | -3.4287% | 6,016 |
| Net charge-offs to loans | 0.3608% | 3,845 |
| Credit loss provision to net charge-offs | 177.6923% | 2,596 |
| Earnings coverage of net charge-offs (x) | 0.4385% | 5,593 |
| Efficiency ratio | 96.5683% | 1,241 |
| Assets per employee ($millions) | 5.5051% | 1,616 |
| Cash dividends to net income (ytd only)* | -18.3930% | 7,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 3,314 |
| Loan loss allowance to noncurrent loans | 57.2099% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 3.8525% | 1,673 |
| Noncurrent loans to loans | 2.6605% | 2,845 |
| Net loans and leases to total assets | 83.5425% | 603 |
| Net loans and leases to deposits | 100.3692% | 1,071 |
| Net loans and leases to core deposits | 128.7898% | 1,513 |
| Total domestic deposits to total assets | 83.2352% | 4,096 |
| Equity capital to assets | 12.5006% | 1,954 |
| Core capital (leverage) ratio | 12.5982% | 1,541 |
| Tier 1 risk-based capital ratio | 14.4793% | 3,290 |
| Total risk-based capital ratio | 15.6990% | 3,249 |
| Memoranda: | ||
| Average total assets | $57,604,500 | 6,482 |
| Average earning assets | $54,736,750 | 6,389 |
| Average equity | $8,010,500 | 5,974 |
| Average total loans | $48,044,750 | 5,800 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9592% | 2,346 |
| Cost of funding earning assets | 2.2861% | 2,408 |
| Net interest margin | 3.6731% | 4,073 |
| Noninterest income to average assets | 0.2993% | 6,122 |
| Noninterest expense to average assets | 3.9134% | 1,459 |
| Loan and lease loss provision to assets | 0.4709% | 3,171 |
| Net operating income to assets | -0.5950% | 6,652 |
| Return on assets (ROA) | -0.5950% | 6,659 |
| Pretax return on assets | -0.5950% | 6,518 |
| Return on Equity (ROE) | -4.1120% | 6,493 |
| Retained earnings to average equity (ytd only) | -4.5156% | 6,221 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.2755% | 1,048 |
| Assets per employee ($millions) | 4.7969% | 2,326 |
| Cash dividends to net income (ytd only)* | -9.8160% | 7,869 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 2,201 |
| Loan loss allowance to noncurrent loans | 60.5082% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 3.9593% | 1,512 |
| Noncurrent loans to loans | 2.8835% | 2,502 |
| Net loans and leases to total assets | 79.5606% | 1,387 |
| Net loans and leases to deposits | 96.6306% | 1,709 |
| Net loans and leases to core deposits | 130.7248% | 1,503 |
| Total domestic deposits to total assets | 82.3348% | 4,553 |
| Equity capital to assets | 13.2553% | 1,579 |
| Core capital (leverage) ratio | 14.1898% | 1,096 |
| Tier 1 risk-based capital ratio | 15.4918% | 2,813 |
| Total risk-based capital ratio | 16.6667% | 2,776 |
| Memoranda: | ||
| Average total assets | $54,785,670 | 6,644 |
| Average earning assets | $52,054,000 | 6,551 |
| Average equity | $7,928,000 | 6,045 |
| Average total loans | $45,379,000 | 5,970 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0742% | 2,049 |
| Cost of funding earning assets | 2.3654% | 2,439 |
| Net interest margin | 3.7088% | 3,855 |
| Noninterest income to average assets | 0.2824% | 6,171 |
| Noninterest expense to average assets | 4.4472% | 752 |
| Loan and lease loss provision to assets | 0.5177% | 2,395 |
| Net operating income to assets | -1.1530% | 7,335 |
| Return on assets (ROA) | -1.1530% | 7,346 |
| Pretax return on assets | -1.1530% | 7,227 |
| Return on Equity (ROE) | -7.5783% | 7,199 |
| Retained earnings to average equity (ytd only) | -7.5783% | 6,861 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.6667% | 682 |
| Assets per employee ($millions) | 4.5096% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7992% | 1,851 |
| Loan loss allowance to noncurrent loans | 69.0295% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 3.1636% | 1,765 |
| Noncurrent loans to loans | 2.6065% | 2,530 |
| Net loans and leases to total assets | 82.5021% | 930 |
| Net loans and leases to deposits | 108.8263% | 677 |
| Net loans and leases to core deposits | 148.1877% | 772 |
| Total domestic deposits to total assets | 75.8108% | 6,550 |
| Equity capital to assets | 15.3414% | 1,004 |
| Core capital (leverage) ratio | 16.1165% | 768 |
| Tier 1 risk-based capital ratio | 15.7290% | 2,778 |
| Total risk-based capital ratio | 16.8042% | 2,765 |
| Memoranda: | ||
| Average total assets | $50,998,500 | 6,820 |
| Average earning assets | $48,533,500 | 6,727 |
| Average equity | $7,759,000 | 6,137 |
| Average total loans | $42,821,000 | 6,101 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4273% | 3,288 |
| Cost of funding earning assets | 2.8206% | 2,626 |
| Net interest margin | 3.6068% | 4,857 |
| Noninterest income to average assets | 0.4070% | 5,414 |
| Noninterest expense to average assets | 4.5634% | 836 |
| Loan and lease loss provision to assets | 0.9512% | 1,554 |
| Net operating income to assets | -1.7050% | 7,530 |
| Return on assets (ROA) | -1.7050% | 7,481 |
| Pretax return on assets | -1.7050% | 7,340 |
| Return on Equity (ROE) | -9.3119% | 7,225 |
| Retained earnings to average equity (ytd only) | -9.3119% | 7,005 |
| Net charge-offs to loans | 0.0703% | 5,765 |
| Credit loss provision to net charge-offs | 1,717.3913% | 249 |
| Earnings coverage of net charge-offs (x) | -13.6087% | 6,919 |
| Efficiency ratio | 119.7851% | 577 |
| Assets per employee ($millions) | 4.3529% | 2,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8717% | 1,482 |
| Loan loss allowance to noncurrent loans | 50.4698% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 3.8678% | 1,087 |
| Noncurrent loans to loans | 3.7085% | 1,357 |
| Net loans and leases to total assets | 82.3399% | 1,167 |
| Net loans and leases to deposits | 113.3843% | 647 |
| Net loans and leases to core deposits | 147.8789% | 942 |
| Total domestic deposits to total assets | 72.6202% | 6,897 |
| Equity capital to assets | 15.0704% | 1,144 |
| Core capital (leverage) ratio | 15.5996% | 906 |
| Tier 1 risk-based capital ratio | 15.1207% | 2,986 |
| Total risk-based capital ratio | 16.1676% | 3,003 |
| Memoranda: | ||
| Average total assets | $41,525,800 | 7,146 |
| Average earning assets | $39,176,400 | 7,073 |
| Average equity | $7,603,200 | 6,238 |
| Average total loans | $32,713,800 | 6,569 |