Home > The Bank of Lawrence County > Performance and Condition Ratios
The Bank of Lawrence County, 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 | 2.5023% | 6,223 |
| Cost of funding earning assets | 0.2862% | 4,595 |
| Net interest margin | 2.2160% | 6,198 |
| Noninterest income to average assets | 0.1350% | 5,930 |
| Noninterest expense to average assets | 1.7546% | 5,953 |
| Loan and lease loss provision to assets | 0.0540% | 2,861 |
| Net operating income to assets | 0.5669% | 4,417 |
| Return on assets (ROA) | 0.5669% | 4,518 |
| Pretax return on assets | 0.4859% | 5,217 |
| Return on Equity (ROE) | 4.5843% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.5843% | 3,277 |
| 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 | 76.4706% | 2,431 |
| Assets per employee ($millions) | 4.0722% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4434% | 6,210 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 25.0636% | 6,194 |
| Net loans and leases to deposits | 28.9162% | 6,210 |
| Net loans and leases to core deposits | 28.9162% | 6,221 |
| Total domestic deposits to total assets | 86.6768% | 2,562 |
| Equity capital to assets | 12.3432% | 1,791 |
| Core capital (leverage) ratio | 11.4714% | 2,018 |
| Tier 1 risk-based capital ratio | 42.4068% | 228 |
| Total risk-based capital ratio | 42.7903% | 239 |
| Memoranda: | ||
| Average total assets | $44,455,500 | 5,860 |
| Average earning assets | $43,321,000 | 5,775 |
| Average equity | $5,497,000 | 5,717 |
| Average total loans | $11,554,500 | 6,186 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3590% | 6,365 |
| Cost of funding earning assets | 0.3162% | 4,621 |
| Net interest margin | 2.0428% | 6,355 |
| Noninterest income to average assets | 0.1702% | 5,835 |
| Noninterest expense to average assets | 1.7865% | 6,081 |
| Loan and lease loss provision to assets | 0.0381% | 3,820 |
| Net operating income to assets | 0.3345% | 5,430 |
| Return on assets (ROA) | 0.3345% | 5,500 |
| Pretax return on assets | 0.3385% | 5,629 |
| Return on Equity (ROE) | 3.0615% | 5,459 |
| Retained earnings to average equity (ytd only) | -1.7783% | 5,990 |
| Net charge-offs to loans | 0.2213% | 1,899 |
| Credit loss provision to net charge-offs | 73.0769% | 3,000 |
| Earnings coverage of net charge-offs (x) | 7.2308% | 3,063 |
| Efficiency ratio | 82.5926% | 1,586 |
| Assets per employee ($millions) | 4.4117% | 3,171 |
| Cash dividends to net income (ytd only)* | 158.0838% | 136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3719% | 6,338 |
| Loan loss allowance to noncurrent loans | 191.3043% | 2,321 |
| Noncurrent assets plus other real estate owned to assets | 0.0521% | 5,811 |
| Noncurrent loans to loans | 0.1944% | 5,124 |
| Net loans and leases to total assets | 26.7199% | 6,262 |
| Net loans and leases to deposits | 30.8635% | 6,279 |
| Net loans and leases to core deposits | 30.8635% | 6,296 |
| Total domestic deposits to total assets | 86.5743% | 2,525 |
| Equity capital to assets | 12.3875% | 1,712 |
| Core capital (leverage) ratio | 11.0897% | 2,328 |
| Tier 1 risk-based capital ratio | 39.6935% | 242 |
| Total risk-based capital ratio | 40.0131% | 253 |
| Memoranda: | ||
| Average total assets | $49,929,000 | 5,785 |
| Average earning assets | $48,708,000 | 5,707 |
| Average equity | $5,454,800 | 5,752 |
| Average total loans | $11,750,000 | 6,260 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2842% | 6,463 |
| Cost of funding earning assets | 0.3138% | 4,740 |
| Net interest margin | 1.9704% | 6,457 |
| Noninterest income to average assets | 0.1739% | 5,879 |
| Noninterest expense to average assets | 1.5933% | 6,292 |
| Loan and lease loss provision to assets | 0.0259% | 3,888 |
| Net operating income to assets | 0.4723% | 4,984 |
| Return on assets (ROA) | 0.4723% | 5,065 |
| Pretax return on assets | 0.4775% | 5,387 |
| Return on Equity (ROE) | 4.4506% | 4,987 |
| Retained earnings to average equity (ytd only) | -2.0052% | 6,073 |
| Net charge-offs to loans | 0.2956% | 1,335 |
| Credit loss provision to net charge-offs | 38.4615% | 3,312 |
| Earnings coverage of net charge-offs (x) | 7.4606% | 2,925 |
| Efficiency ratio | 75.9901% | 2,492 |
| Assets per employee ($millions) | 5.3122% | 1,893 |
| Cash dividends to net income (ytd only)* | 145.0548% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2851% | 6,473 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 23.0413% | 6,404 |
| Net loans and leases to deposits | 25.9360% | 6,428 |
| Net loans and leases to core deposits | 25.9360% | 6,435 |
| Total domestic deposits to total assets | 88.8389% | 1,336 |
| Equity capital to assets | 10.3159% | 3,772 |
| Core capital (leverage) ratio | 10.4103% | 3,146 |
| Tier 1 risk-based capital ratio | 38.1749% | 272 |
| Total risk-based capital ratio | 38.4187% | 293 |
| Memoranda: | ||
| Average total assets | $51,382,000 | 5,822 |
| Average earning assets | $50,140,000 | 5,736 |
| Average equity | $5,452,250 | 5,811 |
| Average total loans | $11,729,500 | 6,329 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2892% | 6,532 |
| Cost of funding earning assets | 0.3109% | 4,864 |
| Net interest margin | 1.9783% | 6,527 |
| Noninterest income to average assets | 0.1968% | 5,786 |
| Noninterest expense to average assets | 1.6377% | 6,327 |
| Loan and lease loss provision to assets | 0.0197% | 3,879 |
| Net operating income to assets | 0.4645% | 4,955 |
| Return on assets (ROA) | 0.4645% | 5,029 |
| Pretax return on assets | 0.4685% | 5,367 |
| Return on Equity (ROE) | 4.3358% | 5,006 |
| Retained earnings to average equity (ytd only) | -5.3647% | 6,258 |
| Net charge-offs to loans | -0.0173% | 5,495 |
| Credit loss provision to net charge-offs | -500.0000% | 5,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0370% | 2,448 |
| Assets per employee ($millions) | 5.0536% | 2,142 |
| Cash dividends to net income (ytd only)* | 223.7288% | 101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4656% | 6,450 |
| Loan loss allowance to noncurrent loans | 203.5714% | 2,095 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 6,016 |
| Noncurrent loans to loans | 0.2287% | 5,313 |
| Net loans and leases to total assets | 24.1095% | 6,451 |
| Net loans and leases to deposits | 27.2774% | 6,471 |
| Net loans and leases to core deposits | 27.4316% | 6,478 |
| Total domestic deposits to total assets | 88.3865% | 1,691 |
| Equity capital to assets | 10.7191% | 3,181 |
| Core capital (leverage) ratio | 11.0499% | 2,372 |
| Tier 1 risk-based capital ratio | 37.5164% | 287 |
| Total risk-based capital ratio | 37.9112% | 301 |
| Memoranda: | ||
| Average total assets | $50,802,000 | 5,882 |
| Average earning assets | $49,537,670 | 5,799 |
| Average equity | $5,443,000 | 5,853 |
| Average total loans | $11,547,670 | 6,393 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2736% | 6,605 |
| Cost of funding earning assets | 0.3144% | 4,926 |
| Net interest margin | 1.9591% | 6,600 |
| Noninterest income to average assets | 0.1414% | 6,131 |
| Noninterest expense to average assets | 1.6413% | 6,400 |
| Loan and lease loss provision to assets | 0.0157% | 3,623 |
| Net operating income to assets | 0.3927% | 5,143 |
| Return on assets (ROA) | 0.3927% | 5,214 |
| Pretax return on assets | 0.3927% | 5,481 |
| Return on Equity (ROE) | 3.6657% | 5,193 |
| Retained earnings to average equity (ytd only) | -15.6891% | 6,475 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0766% | 2,196 |
| Assets per employee ($millions) | 4.5617% | 2,871 |
| Cash dividends to net income (ytd only)* | 528.0000% | 38 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4617% | 6,528 |
| Loan loss allowance to noncurrent loans | 152.9412% | 2,615 |
| Noncurrent assets plus other real estate owned to assets | 0.4424% | 4,808 |
| Noncurrent loans to loans | 0.3019% | 5,209 |
| Net loans and leases to total assets | 22.3420% | 6,536 |
| Net loans and leases to deposits | 25.2608% | 6,558 |
| Net loans and leases to core deposits | 25.4045% | 6,563 |
| Total domestic deposits to total assets | 88.4454% | 1,965 |
| Equity capital to assets | 10.6598% | 3,082 |
| Core capital (leverage) ratio | 10.3989% | 3,046 |
| Tier 1 risk-based capital ratio | 39.0980% | 254 |
| Total risk-based capital ratio | 39.4781% | 264 |
| Memoranda: | ||
| Average total assets | $50,935,000 | 5,941 |
| Average earning assets | $49,613,500 | 5,848 |
| Average equity | $5,456,000 | 5,881 |
| Average total loans | $11,201,000 | 6,476 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6249% | 6,579 |
| Cost of funding earning assets | 0.3246% | 5,383 |
| Net interest margin | 2.3003% | 6,524 |
| Noninterest income to average assets | 0.1198% | 6,321 |
| Noninterest expense to average assets | 1.6862% | 6,462 |
| Loan and lease loss provision to assets | 0.0210% | 4,712 |
| Net operating income to assets | 0.6581% | 4,000 |
| Return on assets (ROA) | 0.6581% | 4,098 |
| Pretax return on assets | 0.6623% | 4,656 |
| Return on Equity (ROE) | 5.7063% | 4,268 |
| Retained earnings to average equity (ytd only) | 0.4558% | 5,639 |
| Net charge-offs to loans | 0.4861% | 1,371 |
| Credit loss provision to net charge-offs | 16.9492% | 4,500 |
| Earnings coverage of net charge-offs (x) | 5.5085% | 3,284 |
| Efficiency ratio | 71.1624% | 3,636 |
| Assets per employee ($millions) | 4.6992% | 2,586 |
| Cash dividends to net income (ytd only)* | 92.0128% | 595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4579% | 6,601 |
| Loan loss allowance to noncurrent loans | 104.0816% | 3,523 |
| Noncurrent assets plus other real estate owned to assets | 0.4585% | 4,866 |
| Noncurrent loans to loans | 0.4399% | 4,903 |
| Net loans and leases to total assets | 21.4505% | 6,646 |
| Net loans and leases to deposits | 24.2700% | 6,661 |
| Net loans and leases to core deposits | 24.4036% | 6,665 |
| Total domestic deposits to total assets | 88.3829% | 1,961 |
| Equity capital to assets | 10.7620% | 2,864 |
| Core capital (leverage) ratio | 11.8731% | 1,696 |
| Tier 1 risk-based capital ratio | 39.8039% | 231 |
| Total risk-based capital ratio | 40.1760% | 242 |
| Memoranda: | ||
| Average total assets | $47,562,800 | 6,077 |
| Average earning assets | $46,516,600 | 5,969 |
| Average equity | $5,485,200 | 5,933 |
| Average total loans | $12,138,600 | 6,513 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7397% | 6,605 |
| Cost of funding earning assets | 0.3366% | 5,419 |
| Net interest margin | 2.4031% | 6,515 |
| Noninterest income to average assets | 0.1204% | 6,414 |
| Noninterest expense to average assets | 1.7021% | 6,466 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7708% | 3,507 |
| Return on assets (ROA) | 0.7708% | 3,630 |
| Pretax return on assets | 0.7708% | 4,417 |
| Return on Equity (ROE) | 6.5620% | 3,893 |
| Retained earnings to average equity (ytd only) | -0.4634% | 6,036 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8297% | 3,942 |
| Assets per employee ($millions) | 4.1545% | 3,523 |
| Cash dividends to net income (ytd only)* | 107.0624% | 335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8757% | 6,117 |
| Loan loss allowance to noncurrent loans | 92.5926% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.6499% | 4,488 |
| Noncurrent loans to loans | 0.9458% | 3,926 |
| Net loans and leases to total assets | 24.7681% | 6,672 |
| Net loans and leases to deposits | 28.4920% | 6,690 |
| Net loans and leases to core deposits | 28.4920% | 6,703 |
| Total domestic deposits to total assets | 86.9300% | 2,732 |
| Equity capital to assets | 12.0766% | 1,871 |
| Core capital (leverage) ratio | 12.8146% | 1,278 |
| Tier 1 risk-based capital ratio | 38.3984% | 264 |
| Total risk-based capital ratio | 39.0941% | 268 |
| Memoranda: | ||
| Average total assets | $46,530,750 | 6,176 |
| Average earning assets | $45,551,250 | 6,072 |
| Average equity | $5,465,750 | 6,015 |
| Average total loans | $12,388,500 | 6,572 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7770% | 6,618 |
| Cost of funding earning assets | 0.3531% | 5,374 |
| Net interest margin | 2.4239% | 6,532 |
| Noninterest income to average assets | 0.1196% | 6,454 |
| Noninterest expense to average assets | 1.6365% | 6,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8588% | 2,996 |
| Return on assets (ROA) | 0.8588% | 3,147 |
| Pretax return on assets | 0.8588% | 4,072 |
| Return on Equity (ROE) | 7.3789% | 3,406 |
| Retained earnings to average equity (ytd only) | -3.1938% | 6,330 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5822% | 4,621 |
| Assets per employee ($millions) | 3.8365% | 4,140 |
| Cash dividends to net income (ytd only)* | 143.2836% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8181% | 6,325 |
| Loan loss allowance to noncurrent loans | 5,000.0000% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,556 |
| Noncurrent loans to loans | 0.0164% | 6,376 |
| Net loans and leases to total assets | 28.7285% | 6,616 |
| Net loans and leases to deposits | 33.4041% | 6,631 |
| Net loans and leases to core deposits | 33.4041% | 6,658 |
| Total domestic deposits to total assets | 86.0030% | 3,364 |
| Equity capital to assets | 12.9164% | 1,377 |
| Core capital (leverage) ratio | 11.8392% | 1,706 |
| Tier 1 risk-based capital ratio | 35.7021% | 317 |
| Total risk-based capital ratio | 36.3571% | 327 |
| Memoranda: | ||
| Average total assets | $46,807,670 | 6,214 |
| Average earning assets | $45,877,000 | 6,105 |
| Average equity | $5,448,000 | 6,061 |
| Average total loans | $12,711,670 | 6,607 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6907% | 6,735 |
| Cost of funding earning assets | 0.3488% | 5,547 |
| Net interest margin | 2.3419% | 6,652 |
| Noninterest income to average assets | 0.1140% | 6,523 |
| Noninterest expense to average assets | 1.5557% | 6,696 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8552% | 2,879 |
| Return on assets (ROA) | 0.8552% | 3,012 |
| Pretax return on assets | 0.8552% | 3,936 |
| Return on Equity (ROE) | 7.7114% | 3,112 |
| Retained earnings to average equity (ytd only) | -13.4398% | 6,707 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5270% | 4,917 |
| Assets per employee ($millions) | 4.1209% | 3,693 |
| Cash dividends to net income (ytd only)* | 274.2857% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7868% | 6,478 |
| Loan loss allowance to noncurrent loans | 1,000.0000% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 6,552 |
| Noncurrent loans to loans | 0.0787% | 6,249 |
| Net loans and leases to total assets | 25.4980% | 6,742 |
| Net loans and leases to deposits | 28.8952% | 6,769 |
| Net loans and leases to core deposits | 29.6174% | 6,773 |
| Total domestic deposits to total assets | 88.2429% | 2,165 |
| Equity capital to assets | 10.8289% | 3,171 |
| Core capital (leverage) ratio | 10.9594% | 2,294 |
| Tier 1 risk-based capital ratio | 32.5928% | 428 |
| Total risk-based capital ratio | 33.2015% | 448 |
| Memoranda: | ||
| Average total assets | $49,110,500 | 6,205 |
| Average earning assets | $48,166,000 | 6,094 |
| Average equity | $5,446,500 | 6,120 |
| Average total loans | $12,955,500 | 6,660 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8357% | 6,843 |
| Cost of funding earning assets | 0.4282% | 5,734 |
| Net interest margin | 2.4075% | 6,774 |
| Noninterest income to average assets | 0.1092% | 6,470 |
| Noninterest expense to average assets | 1.6228% | 6,787 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8272% | 3,147 |
| Return on assets (ROA) | 0.8272% | 3,407 |
| Pretax return on assets | 0.8356% | 4,163 |
| Return on Equity (ROE) | 7.3226% | 3,452 |
| Retained earnings to average equity (ytd only) | 3.3082% | 3,898 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0120% | 4,504 |
| Assets per employee ($millions) | 4.4336% | 3,082 |
| Cash dividends to net income (ytd only)* | 54.8223% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7575% | 6,557 |
| Loan loss allowance to noncurrent loans | 416.6667% | 958 |
| Noncurrent assets plus other real estate owned to assets | 0.0492% | 6,512 |
| Noncurrent loans to loans | 0.1818% | 6,016 |
| Net loans and leases to total assets | 26.8649% | 6,788 |
| Net loans and leases to deposits | 30.6207% | 6,817 |
| Net loans and leases to core deposits | 31.3971% | 6,819 |
| Total domestic deposits to total assets | 87.7343% | 2,387 |
| Equity capital to assets | 11.3553% | 2,577 |
| Core capital (leverage) ratio | 10.3098% | 2,999 |
| Tier 1 risk-based capital ratio | 32.3746% | 420 |
| Total risk-based capital ratio | 32.9592% | 434 |
| Memoranda: | ||
| Average total assets | $47,632,800 | 6,273 |
| Average earning assets | $46,479,000 | 6,164 |
| Average equity | $5,380,600 | 6,184 |
| Average total loans | $13,183,600 | 6,728 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8263% | 6,965 |
| Cost of funding earning assets | 0.4421% | 5,858 |
| Net interest margin | 2.3841% | 6,903 |
| Noninterest income to average assets | 0.0957% | 6,633 |
| Noninterest expense to average assets | 1.5938% | 6,880 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.8138% | 3,378 |
| Return on assets (ROA) | 0.8138% | 3,620 |
| Pretax return on assets | 0.8251% | 4,395 |
| Return on Equity (ROE) | 7.2140% | 3,688 |
| Retained earnings to average equity (ytd only) | 1.8222% | 5,424 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8906% | 4,466 |
| Assets per employee ($millions) | 5.0011% | 2,193 |
| Cash dividends to net income (ytd only)* | 74.7405% | 781 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7739% | 6,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 25.6384% | 6,930 |
| Net loans and leases to deposits | 29.0564% | 6,966 |
| Net loans and leases to core deposits | 31.8749% | 6,938 |
| Total domestic deposits to total assets | 88.2366% | 1,885 |
| Equity capital to assets | 10.8636% | 3,428 |
| Core capital (leverage) ratio | 11.1257% | 2,278 |
| Tier 1 risk-based capital ratio | 34.2927% | 376 |
| Total risk-based capital ratio | 34.9239% | 387 |
| Memoranda: | ||
| Average total assets | $47,348,500 | 6,358 |
| Average earning assets | $46,137,750 | 6,244 |
| Average equity | $5,341,250 | 6,264 |
| Average total loans | $13,179,000 | 6,822 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8642% | 7,025 |
| Cost of funding earning assets | 0.4464% | 5,993 |
| Net interest margin | 2.4177% | 6,951 |
| Noninterest income to average assets | 0.0990% | 6,679 |
| Noninterest expense to average assets | 1.6444% | 6,890 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7964% | 3,409 |
| Return on assets (ROA) | 0.7964% | 3,662 |
| Pretax return on assets | 0.8093% | 4,445 |
| Return on Equity (ROE) | 6.9671% | 3,800 |
| Retained earnings to average equity (ytd only) | -1.1675% | 6,236 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0175% | 4,318 |
| Assets per employee ($millions) | 4.7732% | 2,473 |
| Cash dividends to net income (ytd only)* | 116.7568% | 287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7440% | 6,771 |
| Loan loss allowance to noncurrent loans | 55.8659% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 0.3750% | 5,845 |
| Noncurrent loans to loans | 1.3317% | 3,923 |
| Net loans and leases to total assets | 27.9498% | 6,933 |
| Net loans and leases to deposits | 31.8044% | 6,969 |
| Net loans and leases to core deposits | 34.9415% | 6,936 |
| Total domestic deposits to total assets | 87.8802% | 2,225 |
| Equity capital to assets | 11.1644% | 2,932 |
| Core capital (leverage) ratio | 11.0940% | 2,211 |
| Tier 1 risk-based capital ratio | 33.1674% | 398 |
| Total risk-based capital ratio | 33.7898% | 410 |
| Memoranda: | ||
| Average total assets | $46,461,000 | 6,426 |
| Average earning assets | $45,249,000 | 6,309 |
| Average equity | $5,310,670 | 6,299 |
| Average total loans | $13,264,670 | 6,870 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9422% | 7,066 |
| Cost of funding earning assets | 0.4485% | 6,155 |
| Net interest margin | 2.4937% | 6,957 |
| Noninterest income to average assets | 0.1135% | 6,678 |
| Noninterest expense to average assets | 1.6497% | 6,937 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8641% | 3,082 |
| Return on assets (ROA) | 0.8641% | 3,315 |
| Pretax return on assets | 0.8903% | 4,066 |
| Return on Equity (ROE) | 7.4696% | 3,517 |
| Retained earnings to average equity (ytd only) | -8.8277% | 6,808 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9485% | 4,746 |
| Assets per employee ($millions) | 4.6817% | 2,689 |
| Cash dividends to net income (ytd only)* | 218.1818% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7454% | 6,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 28.4405% | 6,964 |
| Net loans and leases to deposits | 32.3777% | 7,003 |
| Net loans and leases to core deposits | 36.0157% | 6,942 |
| Total domestic deposits to total assets | 87.8399% | 2,428 |
| Equity capital to assets | 11.1989% | 2,713 |
| Core capital (leverage) ratio | 11.6201% | 1,820 |
| Tier 1 risk-based capital ratio | 31.1990% | 480 |
| Total risk-based capital ratio | 31.7941% | 495 |
| Memoranda: | ||
| Average total assets | $45,825,500 | 6,486 |
| Average earning assets | $44,592,500 | 6,379 |
| Average equity | $5,301,500 | 6,332 |
| Average total loans | $13,176,500 | 6,928 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7748% | 7,229 |
| Cost of funding earning assets | 0.5141% | 6,474 |
| Net interest margin | 2.2607% | 7,154 |
| Noninterest income to average assets | 0.0981% | 6,646 |
| Noninterest expense to average assets | 1.6525% | 7,080 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6391% | 3,789 |
| Return on assets (ROA) | 0.6391% | 3,987 |
| Pretax return on assets | 0.6436% | 4,540 |
| Return on Equity (ROE) | 5.3597% | 4,219 |
| Retained earnings to average equity (ytd only) | 3.0627% | 4,049 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9682% | 3,582 |
| Assets per employee ($millions) | 4.4834% | 2,940 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7729% | 6,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 28.6345% | 7,047 |
| Net loans and leases to deposits | 32.8926% | 7,074 |
| Net loans and leases to core deposits | 36.7978% | 7,023 |
| Total domestic deposits to total assets | 87.0545% | 2,732 |
| Equity capital to assets | 11.9552% | 2,160 |
| Core capital (leverage) ratio | 11.5567% | 1,839 |
| Tier 1 risk-based capital ratio | 32.5322% | 406 |
| Total risk-based capital ratio | 33.1391% | 420 |
| Memoranda: | ||
| Average total assets | $43,813,600 | 6,546 |
| Average earning assets | $42,598,200 | 6,437 |
| Average equity | $5,224,200 | 6,377 |
| Average total loans | $11,816,600 | 7,042 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6763% | 7,324 |
| Cost of funding earning assets | 0.5227% | 6,612 |
| Net interest margin | 2.1536% | 7,273 |
| Noninterest income to average assets | 0.0949% | 6,771 |
| Noninterest expense to average assets | 1.6315% | 7,155 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5510% | 4,318 |
| Return on assets (ROA) | 0.5510% | 4,496 |
| Pretax return on assets | 0.5571% | 4,945 |
| Return on Equity (ROE) | 4.6239% | 4,711 |
| Retained earnings to average equity (ytd only) | 1.5414% | 5,366 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5455% | 3,079 |
| Assets per employee ($millions) | 4.6691% | 2,658 |
| Cash dividends to net income (ytd only)* | 66.6694% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8607% | 6,695 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 24.6686% | 7,216 |
| Net loans and leases to deposits | 28.1078% | 7,240 |
| Net loans and leases to core deposits | 31.2564% | 7,210 |
| Total domestic deposits to total assets | 87.7642% | 2,186 |
| Equity capital to assets | 11.2656% | 2,899 |
| Core capital (leverage) ratio | 11.5979% | 1,958 |
| Tier 1 risk-based capital ratio | 52.6474% | 138 |
| Total risk-based capital ratio | 53.6483% | 137 |
| Memoranda: | ||
| Average total assets | $43,558,500 | 6,610 |
| Average earning assets | $42,346,500 | 6,506 |
| Average equity | $5,190,250 | 6,442 |
| Average total loans | $11,536,250 | 7,122 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6590% | 7,402 |
| Cost of funding earning assets | 0.5521% | 6,654 |
| Net interest margin | 2.1069% | 7,340 |
| Noninterest income to average assets | 0.0894% | 6,879 |
| Noninterest expense to average assets | 1.6841% | 7,191 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4469% | 4,733 |
| Return on assets (ROA) | 0.4469% | 4,873 |
| Pretax return on assets | 0.4516% | 5,223 |
| Return on Equity (ROE) | 3.6772% | 5,079 |
| Retained earnings to average equity (ytd only) | -0.9677% | 6,044 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8546% | 2,577 |
| Assets per employee ($millions) | 4.6161% | 2,662 |
| Cash dividends to net income (ytd only)* | 126.3158% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 6,751 |
| Loan loss allowance to noncurrent loans | 400.0000% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0602% | 6,947 |
| Noncurrent loans to loans | 0.2144% | 6,476 |
| Net loans and leases to total assets | 27.8204% | 7,245 |
| Net loans and leases to deposits | 32.1762% | 7,269 |
| Net loans and leases to core deposits | 36.7387% | 7,201 |
| Total domestic deposits to total assets | 86.4629% | 3,064 |
| Equity capital to assets | 12.4564% | 1,804 |
| Core capital (leverage) ratio | 11.9097% | 1,662 |
| Tier 1 risk-based capital ratio | 54.3935% | 133 |
| Total risk-based capital ratio | 55.4446% | 132 |
| Memoranda: | ||
| Average total assets | $42,514,330 | 6,700 |
| Average earning assets | $41,293,670 | 6,591 |
| Average equity | $5,167,000 | 6,476 |
| Average total loans | $11,509,000 | 7,197 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5962% | 7,466 |
| Cost of funding earning assets | 0.5556% | 6,782 |
| Net interest margin | 2.0405% | 7,403 |
| Noninterest income to average assets | 0.0930% | 6,954 |
| Noninterest expense to average assets | 1.6372% | 7,281 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4279% | 4,814 |
| Return on assets (ROA) | 0.4279% | 4,904 |
| Pretax return on assets | 0.4372% | 5,225 |
| Return on Equity (ROE) | 3.5638% | 5,116 |
| Retained earnings to average equity (ytd only) | -5.7331% | 6,572 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9238% | 2,701 |
| Assets per employee ($millions) | 4.1634% | 3,512 |
| Cash dividends to net income (ytd only)* | 260.8696% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8663% | 6,787 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 27.4847% | 7,311 |
| Net loans and leases to deposits | 31.7332% | 7,329 |
| Net loans and leases to core deposits | 36.1926% | 7,258 |
| Total domestic deposits to total assets | 86.6119% | 3,177 |
| Equity capital to assets | 12.3121% | 1,729 |
| Core capital (leverage) ratio | 11.8933% | 1,622 |
| Tier 1 risk-based capital ratio | 57.4149% | 114 |
| Total risk-based capital ratio | 58.5349% | 115 |
| Memoranda: | ||
| Average total assets | $42,999,000 | 6,728 |
| Average earning assets | $41,754,000 | 6,623 |
| Average equity | $5,163,000 | 6,502 |
| Average total loans | $11,434,500 | 7,253 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6887% | 7,528 |
| Cost of funding earning assets | 0.7912% | 6,605 |
| Net interest margin | 1.8975% | 7,483 |
| Noninterest income to average assets | 0.0871% | 6,960 |
| Noninterest expense to average assets | 1.5997% | 7,406 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3284% | 4,837 |
| Return on assets (ROA) | 0.3284% | 4,991 |
| Pretax return on assets | 0.3307% | 5,142 |
| Return on Equity (ROE) | 2.8502% | 5,013 |
| Retained earnings to average equity (ytd only) | -2.2685% | 6,008 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8704% | 2,064 |
| Assets per employee ($millions) | 4.4364% | 2,967 |
| Cash dividends to net income (ytd only)* | 179.5918% | 127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8829% | 6,768 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 25.3043% | 7,448 |
| Net loans and leases to deposits | 28.9935% | 7,473 |
| Net loans and leases to core deposits | 32.7336% | 7,440 |
| Total domestic deposits to total assets | 87.2757% | 2,683 |
| Equity capital to assets | 11.7212% | 2,108 |
| Core capital (leverage) ratio | 11.7212% | 1,715 |
| Tier 1 risk-based capital ratio | 63.5775% | 91 |
| Total risk-based capital ratio | 64.8001% | 91 |
| Memoranda: | ||
| Average total assets | $44,758,800 | 6,703 |
| Average earning assets | $43,478,600 | 6,601 |
| Average equity | $5,157,600 | 6,615 |
| Average total loans | $10,868,200 | 7,355 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7447% | 7,653 |
| Cost of funding earning assets | 0.8507% | 6,577 |
| Net interest margin | 1.8941% | 7,604 |
| Noninterest income to average assets | 0.0832% | 7,120 |
| Noninterest expense to average assets | 1.5753% | 7,516 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3448% | 4,996 |
| Return on assets (ROA) | 0.3448% | 5,167 |
| Pretax return on assets | 0.3477% | 5,375 |
| Return on Equity (ROE) | 3.0049% | 5,221 |
| Retained earnings to average equity (ytd only) | -3.8339% | 6,441 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9165% | 2,067 |
| Assets per employee ($millions) | 4.3684% | 3,127 |
| Cash dividends to net income (ytd only)* | 227.5896% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9090% | 6,717 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 24.9542% | 7,552 |
| Net loans and leases to deposits | 28.6499% | 7,586 |
| Net loans and leases to core deposits | 32.8829% | 7,548 |
| Total domestic deposits to total assets | 87.1005% | 2,471 |
| Equity capital to assets | 11.8258% | 2,268 |
| Core capital (leverage) ratio | 12.1327% | 1,595 |
| Tier 1 risk-based capital ratio | 59.5027% | 112 |
| Total risk-based capital ratio | 60.6539% | 112 |
| Memoranda: | ||
| Average total assets | $44,857,500 | 6,785 |
| Average earning assets | $43,573,500 | 6,678 |
| Average equity | $5,147,000 | 6,703 |
| Average total loans | $10,753,750 | 7,459 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6430% | 7,740 |
| Cost of funding earning assets | 0.9098% | 6,538 |
| Net interest margin | 1.7332% | 7,707 |
| Noninterest income to average assets | 0.0707% | 7,226 |
| Noninterest expense to average assets | 1.5735% | 7,581 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1768% | 5,645 |
| Return on assets (ROA) | 0.1768% | 5,769 |
| Pretax return on assets | 0.1812% | 5,814 |
| Return on Equity (ROE) | 1.5562% | 5,780 |
| Retained earnings to average equity (ytd only) | -8.7148% | 6,851 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6725% | 1,366 |
| Assets per employee ($millions) | 4.1564% | 3,471 |
| Cash dividends to net income (ytd only)* | 660.0000% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9441% | 6,616 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 25.2430% | 7,621 |
| Net loans and leases to deposits | 29.1250% | 7,651 |
| Net loans and leases to core deposits | 33.6908% | 7,611 |
| Total domestic deposits to total assets | 86.6712% | 2,721 |
| Equity capital to assets | 12.2245% | 1,963 |
| Core capital (leverage) ratio | 11.8315% | 1,738 |
| Tier 1 risk-based capital ratio | 53.3801% | 140 |
| Total risk-based capital ratio | 54.4283% | 139 |
| Memoranda: | ||
| Average total assets | $45,248,670 | 6,823 |
| Average earning assets | $43,964,670 | 6,699 |
| Average equity | $5,140,670 | 6,735 |
| Average total loans | $10,671,330 | 7,522 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5327% | 7,851 |
| Cost of funding earning assets | 0.9519% | 6,572 |
| Net interest margin | 1.5807% | 7,816 |
| Noninterest income to average assets | 0.0764% | 7,321 |
| Noninterest expense to average assets | 1.5544% | 7,685 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0510% | 6,154 |
| Return on assets (ROA) | 0.0510% | 6,266 |
| Pretax return on assets | 0.0595% | 6,231 |
| Return on Equity (ROE) | 0.4642% | 6,281 |
| Retained earnings to average equity (ytd only) | -19.9594% | 7,367 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3158% | 1,009 |
| Assets per employee ($millions) | 4.4100% | 3,109 |
| Cash dividends to net income (ytd only)* | 4,400.0000% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9717% | 6,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 23.1088% | 7,739 |
| Net loans and leases to deposits | 26.3968% | 7,773 |
| Net loans and leases to core deposits | 30.2036% | 7,744 |
| Total domestic deposits to total assets | 87.5442% | 2,338 |
| Equity capital to assets | 11.4399% | 2,410 |
| Core capital (leverage) ratio | 10.5128% | 2,611 |
| Tier 1 risk-based capital ratio | 56.9466% | 121 |
| Total risk-based capital ratio | 58.0725% | 120 |
| Memoranda: | ||
| Average total assets | $47,091,000 | 6,839 |
| Average earning assets | $45,801,500 | 6,716 |
| Average equity | $5,170,500 | 6,793 |
| Average total loans | $10,711,000 | 7,618 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7016% | 7,782 |
| Cost of funding earning assets | 1.1442% | 6,836 |
| Net interest margin | 2.5574% | 7,365 |
| Noninterest income to average assets | 0.1083% | 7,224 |
| Noninterest expense to average assets | 1.6816% | 7,712 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8196% | 2,453 |
| Return on assets (ROA) | 0.7489% | 2,819 |
| Pretax return on assets | 0.7513% | 3,402 |
| Return on Equity (ROE) | 6.0516% | 3,188 |
| Retained earnings to average equity (ytd only) | 1.0276% | 4,317 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1684% | 5,149 |
| Assets per employee ($millions) | 5.0082% | 2,206 |
| Cash dividends to net income (ytd only)* | 83.0189% | 1,075 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8984% | 6,820 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 22.0259% | 7,840 |
| Net loans and leases to deposits | 24.8788% | 7,871 |
| Net loans and leases to core deposits | 31.7603% | 7,854 |
| Total domestic deposits to total assets | 88.5328% | 1,713 |
| Equity capital to assets | 10.5747% | 3,103 |
| Core capital (leverage) ratio | 11.1751% | 2,127 |
| Tier 1 risk-based capital ratio | 33.3815% | 395 |
| Total risk-based capital ratio | 34.0094% | 408 |
| Memoranda: | ||
| Average total assets | $42,460,800 | 7,015 |
| Average earning assets | $39,766,200 | 6,950 |
| Average equity | $5,254,800 | 6,851 |
| Average total loans | $11,553,800 | 7,624 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1915% | 7,727 |
| Cost of funding earning assets | 1.1864% | 6,928 |
| Net interest margin | 3.0051% | 6,598 |
| Noninterest income to average assets | 0.1545% | 7,081 |
| Noninterest expense to average assets | 1.7917% | 7,666 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1408% | 1,608 |
| Return on assets (ROA) | 1.1539% | 1,639 |
| Pretax return on assets | 1.1572% | 2,390 |
| Return on Equity (ROE) | 8.9234% | 2,288 |
| Retained earnings to average equity (ytd only) | 2.2118% | 4,091 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0302% | 6,269 |
| Assets per employee ($millions) | 4.1670% | 3,432 |
| Cash dividends to net income (ytd only)* | 75.2131% | 1,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8772% | 6,857 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 27.1178% | 7,862 |
| Net loans and leases to deposits | 31.5018% | 7,888 |
| Net loans and leases to core deposits | 38.3623% | 7,869 |
| Total domestic deposits to total assets | 86.0835% | 2,665 |
| Equity capital to assets | 12.8366% | 1,765 |
| Core capital (leverage) ratio | 13.6388% | 1,190 |
| Tier 1 risk-based capital ratio | 36.0251% | 355 |
| Total risk-based capital ratio | 36.6985% | 367 |
| Memoranda: | ||
| Average total assets | $40,555,500 | 7,121 |
| Average earning assets | $37,535,500 | 7,091 |
| Average equity | $5,244,500 | 6,925 |
| Average total loans | $11,659,500 | 7,693 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4460% | 7,674 |
| Cost of funding earning assets | 1.2469% | 6,971 |
| Net interest margin | 3.1992% | 5,919 |
| Noninterest income to average assets | 0.1045% | 7,453 |
| Noninterest expense to average assets | 1.8316% | 7,707 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1796% | 1,535 |
| Return on assets (ROA) | 1.1995% | 1,560 |
| Pretax return on assets | 1.2045% | 2,292 |
| Return on Equity (ROE) | 9.2520% | 2,270 |
| Retained earnings to average equity (ytd only) | -0.8830% | 5,451 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7261% | 6,441 |
| Assets per employee ($millions) | 3.6072% | 4,556 |
| Cash dividends to net income (ytd only)* | 109.5436% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8446% | 6,999 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 32.5460% | 7,820 |
| Net loans and leases to deposits | 38.6566% | 7,848 |
| Net loans and leases to core deposits | 47.4018% | 7,811 |
| Total domestic deposits to total assets | 84.1927% | 3,650 |
| Equity capital to assets | 14.5237% | 1,156 |
| Core capital (leverage) ratio | 13.9328% | 1,153 |
| Tier 1 risk-based capital ratio | 37.8022% | 355 |
| Total risk-based capital ratio | 38.5237% | 355 |
| Memoranda: | ||
| Average total assets | $40,184,000 | 7,201 |
| Average earning assets | $36,572,000 | 7,194 |
| Average equity | $5,209,670 | 6,995 |
| Average total loans | $11,746,000 | 7,763 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3511% | 7,825 |
| Cost of funding earning assets | 1.2678% | 7,126 |
| Net interest margin | 3.0833% | 6,244 |
| Noninterest income to average assets | 0.1042% | 7,517 |
| Noninterest expense to average assets | 1.7424% | 7,773 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2311% | 1,561 |
| Return on assets (ROA) | 1.2311% | 1,671 |
| Pretax return on assets | 1.2405% | 2,483 |
| Return on Equity (ROE) | 10.0096% | 2,316 |
| Retained earnings to average equity (ytd only) | -10.3176% | 7,139 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4127% | 6,636 |
| Assets per employee ($millions) | 3.9994% | 3,664 |
| Cash dividends to net income (ytd only)* | 203.0769% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8544% | 6,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 29.0144% | 7,935 |
| Net loans and leases to deposits | 33.7228% | 7,986 |
| Net loans and leases to core deposits | 40.6573% | 7,969 |
| Total domestic deposits to total assets | 86.0379% | 2,699 |
| Equity capital to assets | 12.8219% | 1,823 |
| Core capital (leverage) ratio | 11.9925% | 1,903 |
| Tier 1 risk-based capital ratio | 36.0771% | 403 |
| Total risk-based capital ratio | 36.7806% | 409 |
| Memoranda: | ||
| Average total assets | $42,240,000 | 7,154 |
| Average earning assets | $39,438,000 | 7,112 |
| Average equity | $5,195,000 | 7,056 |
| Average total loans | $11,699,000 | 7,817 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1196% | 8,088 |
| Cost of funding earning assets | 1.5776% | 7,489 |
| Net interest margin | 2.5420% | 7,705 |
| Noninterest income to average assets | 0.1101% | 7,580 |
| Noninterest expense to average assets | 1.7164% | 7,849 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8307% | 3,303 |
| Return on assets (ROA) | 0.8307% | 3,142 |
| Pretax return on assets | 0.8355% | 3,941 |
| Return on Equity (ROE) | 6.7311% | 3,659 |
| Retained earnings to average equity (ytd only) | -0.7177% | 5,520 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2608% | 4,861 |
| Assets per employee ($millions) | 4.4486% | 2,701 |
| Cash dividends to net income (ytd only)* | 110.6628% | 794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8551% | 6,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 26.0621% | 8,070 |
| Net loans and leases to deposits | 29.8992% | 8,114 |
| Net loans and leases to core deposits | 34.9870% | 8,114 |
| Total domestic deposits to total assets | 87.1667% | 1,856 |
| Equity capital to assets | 11.8284% | 2,402 |
| Core capital (leverage) ratio | 12.0101% | 1,958 |
| Tier 1 risk-based capital ratio | 35.0030% | 443 |
| Total risk-based capital ratio | 35.6682% | 452 |
| Memoranda: | ||
| Average total assets | $41,773,200 | 7,138 |
| Average earning assets | $40,125,200 | 7,035 |
| Average equity | $5,155,200 | 7,098 |
| Average total loans | $11,335,800 | 7,870 |