Home > Winside State Bank > Performance and Condition Ratios
Winside State Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9424% | 3,577 |
| Cost of funding earning assets | 0.4413% | 2,782 |
| Net interest margin | 3.5010% | 3,527 |
| Noninterest income to average assets | 0.3931% | 4,130 |
| Noninterest expense to average assets | 2.0181% | 5,448 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4258% | 1,053 |
| Return on assets (ROA) | 1.4258% | 1,099 |
| Pretax return on assets | 1.4520% | 1,824 |
| Return on Equity (ROE) | 7.2175% | 3,520 |
| Retained earnings to average equity (ytd only) | 7.2175% | 1,590 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1571% | 5,102 |
| Assets per employee ($millions) | 4.7518% | 2,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5997% | 5,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 70.4575% | 2,319 |
| Net loans and leases to deposits | 96.6624% | 942 |
| Net loans and leases to core deposits | 102.5861% | 1,335 |
| Total domestic deposits to total assets | 72.8903% | 5,797 |
| Equity capital to assets | 21.7097% | 166 |
| Core capital (leverage) ratio | 22.3930% | 127 |
| Tier 1 risk-based capital ratio | 21.7097% | 1,236 |
| Total risk-based capital ratio | 22.1348% | 1,333 |
| Memoranda: | ||
| Average total assets | $25,436,250 | 6,106 |
| Average earning assets | $22,354,750 | 6,108 |
| Average equity | $5,024,750 | 5,721 |
| Average total loans | $16,929,500 | 5,906 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 3,794 |
| Cost of funding earning assets | 0.4361% | 2,892 |
| Net interest margin | 3.4356% | 3,771 |
| Noninterest income to average assets | 0.5001% | 3,378 |
| Noninterest expense to average assets | 1.8696% | 5,753 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.5695% | 797 |
| Return on assets (ROA) | 1.5695% | 825 |
| Pretax return on assets | 1.6003% | 1,327 |
| Return on Equity (ROE) | 8.1922% | 2,945 |
| Retained earnings to average equity (ytd only) | 8.1922% | 1,190 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8803% | 5,600 |
| Assets per employee ($millions) | 4.9618% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6175% | 5,947 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 65.5206% | 3,039 |
| Net loans and leases to deposits | 88.2608% | 1,799 |
| Net loans and leases to core deposits | 93.3284% | 2,022 |
| Total domestic deposits to total assets | 74.2352% | 5,765 |
| Equity capital to assets | 20.5409% | 202 |
| Core capital (leverage) ratio | 21.5076% | 148 |
| Tier 1 risk-based capital ratio | 20.5409% | 1,443 |
| Total risk-based capital ratio | 20.9480% | 1,586 |
| Memoranda: | ||
| Average total assets | $25,995,330 | 6,171 |
| Average earning assets | $22,470,670 | 6,174 |
| Average equity | $4,980,330 | 5,781 |
| Average total loans | $16,959,000 | 5,966 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8230% | 3,912 |
| Cost of funding earning assets | 0.4248% | 3,015 |
| Net interest margin | 3.3982% | 3,851 |
| Noninterest income to average assets | 0.1053% | 6,056 |
| Noninterest expense to average assets | 1.7752% | 5,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1885% | 1,583 |
| Return on assets (ROA) | 1.1885% | 1,679 |
| Pretax return on assets | 1.2186% | 2,593 |
| Return on Equity (ROE) | 6.4195% | 3,819 |
| Retained earnings to average equity (ytd only) | 6.4195% | 2,276 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2965% | 5,181 |
| Assets per employee ($millions) | 5.3212% | 1,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6145% | 6,043 |
| 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 | 61.3997% | 3,464 |
| Net loans and leases to deposits | 83.5772% | 2,132 |
| Net loans and leases to core deposits | 88.0837% | 2,322 |
| Total domestic deposits to total assets | 73.4646% | 5,945 |
| Equity capital to assets | 18.6612% | 286 |
| Core capital (leverage) ratio | 19.9277% | 210 |
| Tier 1 risk-based capital ratio | 18.6537% | 1,958 |
| Total risk-based capital ratio | 19.0333% | 2,166 |
| Memoranda: | ||
| Average total assets | $26,588,500 | 6,225 |
| Average earning assets | $22,600,000 | 6,234 |
| Average equity | $4,922,500 | 5,851 |
| Average total loans | $17,260,500 | 6,003 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9962% | 3,744 |
| Cost of funding earning assets | 0.4753% | 2,932 |
| Net interest margin | 3.5210% | 3,713 |
| Noninterest income to average assets | 0.1773% | 5,793 |
| Noninterest expense to average assets | 2.1198% | 5,526 |
| Loan and lease loss provision to assets | -0.1526% | 6,234 |
| Net operating income to assets | 1.0228% | 2,289 |
| Return on assets (ROA) | 1.0228% | 2,361 |
| Pretax return on assets | 1.0516% | 3,293 |
| Return on Equity (ROE) | 5.1818% | 4,572 |
| Retained earnings to average equity (ytd only) | 3.0924% | 4,038 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2186% | 3,496 |
| Assets per employee ($millions) | 5.3142% | 1,942 |
| Cash dividends to net income (ytd only)* | 40.3226% | 2,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5585% | 6,196 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 67.6790% | 2,609 |
| Net loans and leases to deposits | 91.7640% | 1,314 |
| Net loans and leases to core deposits | 96.6984% | 1,662 |
| Total domestic deposits to total assets | 73.7533% | 5,965 |
| Equity capital to assets | 18.3659% | 297 |
| Core capital (leverage) ratio | 20.9727% | 175 |
| Tier 1 risk-based capital ratio | 20.1521% | 1,565 |
| Total risk-based capital ratio | 20.5694% | 1,732 |
| Memoranda: | ||
| Average total assets | $24,247,800 | 6,347 |
| Average earning assets | $19,568,400 | 6,375 |
| Average equity | $4,786,000 | 5,909 |
| Average total loans | $14,419,600 | 6,176 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1921% | 3,021 |
| Cost of funding earning assets | 0.5365% | 2,407 |
| Net interest margin | 3.6556% | 3,202 |
| Noninterest income to average assets | 0.1690% | 5,913 |
| Noninterest expense to average assets | 1.8985% | 5,952 |
| Loan and lease loss provision to assets | -0.2084% | 6,399 |
| Net operating income to assets | 1.3295% | 1,289 |
| Return on assets (ROA) | 1.3295% | 1,349 |
| Pretax return on assets | 1.3577% | 2,162 |
| Return on Equity (ROE) | 6.6070% | 3,902 |
| Retained earnings to average equity (ytd only) | 3.8075% | 3,947 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2921% | 4,845 |
| Assets per employee ($millions) | 4.5518% | 2,878 |
| Cash dividends to net income (ytd only)* | 42.3727% | 2,239 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8248% | 5,810 |
| 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 | 53.3591% | 4,653 |
| Net loans and leases to deposits | 69.1021% | 4,016 |
| Net loans and leases to core deposits | 73.2714% | 4,023 |
| Total domestic deposits to total assets | 77.2178% | 5,638 |
| Equity capital to assets | 21.4069% | 175 |
| Core capital (leverage) ratio | 20.7955% | 183 |
| Tier 1 risk-based capital ratio | 26.4262% | 753 |
| Total risk-based capital ratio | 26.9740% | 794 |
| Memoranda: | ||
| Average total assets | $23,667,000 | 6,438 |
| Average earning assets | $18,637,750 | 6,464 |
| Average equity | $4,762,500 | 5,979 |
| Average total loans | $13,503,500 | 6,280 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0679% | 3,476 |
| Cost of funding earning assets | 0.4848% | 2,980 |
| Net interest margin | 3.5831% | 3,434 |
| Noninterest income to average assets | 0.1669% | 5,954 |
| Noninterest expense to average assets | 1.9525% | 5,912 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0180% | 2,254 |
| Return on assets (ROA) | 1.0180% | 2,323 |
| Pretax return on assets | 1.0513% | 3,275 |
| Return on Equity (ROE) | 5.1629% | 4,599 |
| Retained earnings to average equity (ytd only) | 0.9310% | 5,380 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0000% | 4,534 |
| Assets per employee ($millions) | 5.0134% | 2,201 |
| Cash dividends to net income (ytd only)* | 81.9672% | 846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0411% | 5,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 52.3278% | 4,715 |
| Net loans and leases to deposits | 65.5752% | 4,310 |
| Net loans and leases to core deposits | 69.0259% | 4,360 |
| Total domestic deposits to total assets | 79.7981% | 5,288 |
| Equity capital to assets | 18.9612% | 261 |
| Core capital (leverage) ratio | 20.0515% | 196 |
| Tier 1 risk-based capital ratio | 24.0663% | 973 |
| Total risk-based capital ratio | 24.7656% | 1,028 |
| Memoranda: | ||
| Average total assets | $23,969,670 | 6,499 |
| Average earning assets | $18,978,000 | 6,524 |
| Average equity | $4,726,000 | 6,029 |
| Average total loans | $13,923,000 | 6,321 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9427% | 3,919 |
| Cost of funding earning assets | 0.4565% | 3,356 |
| Net interest margin | 3.4862% | 3,757 |
| Noninterest income to average assets | 0.1879% | 5,841 |
| Noninterest expense to average assets | 1.8787% | 6,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1443% | 1,649 |
| Return on assets (ROA) | 1.1443% | 1,716 |
| Pretax return on assets | 1.1784% | 2,577 |
| Return on Equity (ROE) | 5.6870% | 4,191 |
| Retained earnings to average equity (ytd only) | 5.6870% | 2,697 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4525% | 5,209 |
| Assets per employee ($millions) | 4.7226% | 2,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 5,082 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 52.0900% | 4,665 |
| Net loans and leases to deposits | 66.3144% | 4,056 |
| Net loans and leases to core deposits | 70.0935% | 4,081 |
| Total domestic deposits to total assets | 78.5500% | 5,746 |
| Equity capital to assets | 20.1287% | 210 |
| Core capital (leverage) ratio | 20.1612% | 197 |
| Tier 1 risk-based capital ratio | 25.3364% | 856 |
| Total risk-based capital ratio | 26.0645% | 893 |
| Memoranda: | ||
| Average total assets | $23,421,000 | 6,577 |
| Average earning assets | $19,276,000 | 6,586 |
| Average equity | $4,712,500 | 6,069 |
| Average total loans | $14,257,000 | 6,370 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 3,351 |
| Cost of funding earning assets | 0.5296% | 3,289 |
| Net interest margin | 3.6705% | 3,171 |
| Noninterest income to average assets | 0.1546% | 6,165 |
| Noninterest expense to average assets | 2.0721% | 5,890 |
| Loan and lease loss provision to assets | -0.0209% | 6,301 |
| Net operating income to assets | 1.0193% | 2,252 |
| Return on assets (ROA) | 1.0193% | 2,310 |
| Pretax return on assets | 1.0569% | 3,124 |
| Return on Equity (ROE) | 5.2931% | 4,499 |
| Retained earnings to average equity (ytd only) | 2.0391% | 4,792 |
| Net charge-offs to loans | -0.0350% | 6,253 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,435 |
| Assets per employee ($millions) | 4.6458% | 2,659 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8584% | 6,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 68.6125% | 2,235 |
| Net loans and leases to deposits | 87.3507% | 1,538 |
| Net loans and leases to core deposits | 92.4156% | 1,748 |
| Total domestic deposits to total assets | 78.5484% | 5,732 |
| Equity capital to assets | 20.1128% | 204 |
| Core capital (leverage) ratio | 20.1721% | 187 |
| Tier 1 risk-based capital ratio | 22.1293% | 1,236 |
| Total risk-based capital ratio | 22.7742% | 1,314 |
| Memoranda: | ||
| Average total assets | $23,937,000 | 6,641 |
| Average earning assets | $19,261,600 | 6,671 |
| Average equity | $4,609,800 | 6,168 |
| Average total loans | $14,305,000 | 6,444 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2257% | 3,289 |
| Cost of funding earning assets | 0.5611% | 3,157 |
| Net interest margin | 3.6646% | 3,176 |
| Noninterest income to average assets | 0.1548% | 6,259 |
| Noninterest expense to average assets | 1.8523% | 6,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1279% | 1,891 |
| Return on assets (ROA) | 1.1279% | 1,961 |
| Pretax return on assets | 1.1556% | 2,870 |
| Return on Equity (ROE) | 5.9202% | 4,228 |
| Retained earnings to average equity (ytd only) | 1.5672% | 5,345 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5809% | 5,193 |
| Assets per employee ($millions) | 4.6764% | 2,608 |
| Cash dividends to net income (ytd only)* | 73.5321% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9585% | 5,890 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.9828% | 3,524 |
| Net loans and leases to deposits | 77.2678% | 2,778 |
| Net loans and leases to core deposits | 81.6947% | 2,907 |
| Total domestic deposits to total assets | 78.9240% | 5,754 |
| Equity capital to assets | 19.7246% | 222 |
| Core capital (leverage) ratio | 19.7582% | 209 |
| Tier 1 risk-based capital ratio | 23.5161% | 1,067 |
| Total risk-based capital ratio | 24.2079% | 1,135 |
| Memoranda: | ||
| Average total assets | $24,114,000 | 6,716 |
| Average earning assets | $18,773,500 | 6,748 |
| Average equity | $4,594,250 | 6,251 |
| Average total loans | $13,862,250 | 6,528 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 3,629 |
| Cost of funding earning assets | 0.5727% | 3,188 |
| Net interest margin | 3.5551% | 3,541 |
| Noninterest income to average assets | 0.1560% | 6,273 |
| Noninterest expense to average assets | 1.9049% | 6,212 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9196% | 2,698 |
| Return on assets (ROA) | 0.9196% | 2,839 |
| Pretax return on assets | 0.9525% | 3,709 |
| Return on Equity (ROE) | 4.8820% | 4,789 |
| Retained earnings to average equity (ytd only) | -1.6564% | 6,148 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,415 |
| Assets per employee ($millions) | 4.8564% | 2,289 |
| Cash dividends to net income (ytd only)* | 133.9286% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0131% | 5,768 |
| Loan loss allowance to noncurrent loans | 2,300.0000% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 6,462 |
| Noncurrent loans to loans | 0.0440% | 6,260 |
| Net loans and leases to total assets | 55.5267% | 4,368 |
| Net loans and leases to deposits | 69.5036% | 3,786 |
| Net loans and leases to core deposits | 73.2812% | 3,896 |
| Total domestic deposits to total assets | 79.8905% | 5,632 |
| Equity capital to assets | 18.8205% | 264 |
| Core capital (leverage) ratio | 18.8898% | 237 |
| Tier 1 risk-based capital ratio | 22.8687% | 1,156 |
| Total risk-based capital ratio | 23.5644% | 1,212 |
| Memoranda: | ||
| Average total assets | $24,358,000 | 6,759 |
| Average earning assets | $18,508,670 | 6,799 |
| Average equity | $4,588,330 | 6,303 |
| Average total loans | $13,684,000 | 6,573 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0680% | 3,856 |
| Cost of funding earning assets | 0.5656% | 3,421 |
| Net interest margin | 3.5024% | 3,687 |
| Noninterest income to average assets | 0.1312% | 6,438 |
| Noninterest expense to average assets | 1.7872% | 6,455 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.9510% | 2,438 |
| Return on assets (ROA) | 0.9510% | 2,581 |
| Pretax return on assets | 0.9838% | 3,427 |
| Return on Equity (ROE) | 5.0462% | 4,544 |
| Retained earnings to average equity (ytd only) | -8.0044% | 6,524 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4970% | 4,921 |
| Assets per employee ($millions) | 4.9092% | 2,334 |
| Cash dividends to net income (ytd only)* | 258.6207% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 5,650 |
| Loan loss allowance to noncurrent loans | 13,800.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,629 |
| Noncurrent loans to loans | 0.0079% | 6,485 |
| Net loans and leases to total assets | 51.0837% | 4,830 |
| Net loans and leases to deposits | 63.6724% | 4,359 |
| Net loans and leases to core deposits | 67.0786% | 4,407 |
| Total domestic deposits to total assets | 80.2290% | 5,701 |
| Equity capital to assets | 18.5163% | 301 |
| Core capital (leverage) ratio | 19.1013% | 234 |
| Tier 1 risk-based capital ratio | 21.1773% | 1,494 |
| Total risk-based capital ratio | 21.8211% | 1,610 |
| Memoranda: | ||
| Average total assets | $24,396,000 | 6,829 |
| Average earning assets | $18,387,500 | 6,873 |
| Average equity | $4,597,500 | 6,370 |
| Average total loans | $13,715,500 | 6,634 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0558% | 5,120 |
| Cost of funding earning assets | 0.5100% | 5,148 |
| Net interest margin | 3.5458% | 4,314 |
| Noninterest income to average assets | 0.2229% | 5,846 |
| Noninterest expense to average assets | 2.2069% | 5,910 |
| Loan and lease loss provision to assets | -0.0446% | 6,864 |
| Net operating income to assets | 1.2840% | 1,355 |
| Return on assets (ROA) | 1.2840% | 1,503 |
| Pretax return on assets | 1.3152% | 2,338 |
| Return on Equity (ROE) | 6.3601% | 3,980 |
| Retained earnings to average equity (ytd only) | 3.5997% | 3,674 |
| Net charge-offs to loans | -0.0709% | 6,774 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4615% | 4,983 |
| Assets per employee ($millions) | 4.8492% | 2,416 |
| Cash dividends to net income (ytd only)* | 43.4028% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9353% | 6,178 |
| Loan loss allowance to noncurrent loans | 13,800.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,697 |
| Noncurrent loans to loans | 0.0068% | 6,560 |
| Net loans and leases to total assets | 60.2821% | 3,554 |
| Net loans and leases to deposits | 75.7816% | 2,835 |
| Net loans and leases to core deposits | 79.9256% | 3,016 |
| Total domestic deposits to total assets | 79.5471% | 5,773 |
| Equity capital to assets | 19.1784% | 252 |
| Core capital (leverage) ratio | 20.9848% | 165 |
| Tier 1 risk-based capital ratio | 22.5642% | 1,176 |
| Total risk-based capital ratio | 23.2351% | 1,238 |
| Memoranda: | ||
| Average total assets | $22,430,000 | 6,918 |
| Average earning assets | $20,588,000 | 6,890 |
| Average equity | $4,528,200 | 6,433 |
| Average total loans | $14,104,000 | 6,694 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8955% | 5,797 |
| Cost of funding earning assets | 0.4893% | 5,511 |
| Net interest margin | 3.4062% | 5,015 |
| Noninterest income to average assets | 0.2002% | 6,096 |
| Noninterest expense to average assets | 2.0264% | 6,314 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3954% | 1,236 |
| Return on assets (ROA) | 1.3954% | 1,362 |
| Pretax return on assets | 1.4258% | 2,156 |
| Return on Equity (ROE) | 6.8181% | 3,904 |
| Retained earnings to average equity (ytd only) | 3.1127% | 4,685 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6995% | 5,694 |
| Assets per employee ($millions) | 4.3072% | 3,254 |
| Cash dividends to net income (ytd only)* | 54.3468% | 1,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 6,112 |
| 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 | 63.8512% | 3,048 |
| Net loans and leases to deposits | 82.6631% | 2,034 |
| Net loans and leases to core deposits | 87.9501% | 2,223 |
| Total domestic deposits to total assets | 77.2428% | 6,199 |
| Equity capital to assets | 21.2899% | 192 |
| Core capital (leverage) ratio | 20.8159% | 177 |
| Tier 1 risk-based capital ratio | 25.5273% | 864 |
| Total risk-based capital ratio | 26.2953% | 894 |
| Memoranda: | ||
| Average total assets | $21,976,000 | 7,021 |
| Average earning assets | $20,980,750 | 6,973 |
| Average equity | $4,497,750 | 6,512 |
| Average total loans | $13,941,500 | 6,787 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8467% | 6,037 |
| Cost of funding earning assets | 0.4844% | 5,732 |
| Net interest margin | 3.3623% | 5,222 |
| Noninterest income to average assets | 0.1808% | 6,270 |
| Noninterest expense to average assets | 2.0884% | 6,251 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2566% | 1,553 |
| Return on assets (ROA) | 1.2566% | 1,716 |
| Pretax return on assets | 1.2928% | 2,585 |
| Return on Equity (ROE) | 6.2211% | 4,197 |
| Retained earnings to average equity (ytd only) | 0.6266% | 5,814 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7647% | 5,286 |
| Assets per employee ($millions) | 4.5334% | 2,839 |
| Cash dividends to net income (ytd only)* | 89.9281% | 598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 6,030 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 58.4683% | 4,088 |
| Net loans and leases to deposits | 74.1759% | 3,264 |
| Net loans and leases to core deposits | 78.5735% | 3,441 |
| Total domestic deposits to total assets | 78.8238% | 5,989 |
| Equity capital to assets | 19.8041% | 244 |
| Core capital (leverage) ratio | 19.8215% | 215 |
| Tier 1 risk-based capital ratio | 24.8890% | 911 |
| Total risk-based capital ratio | 25.6547% | 950 |
| Memoranda: | ||
| Average total assets | $22,122,670 | 7,073 |
| Average earning assets | $21,057,000 | 7,029 |
| Average equity | $4,468,670 | 6,551 |
| Average total loans | $13,959,000 | 6,845 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0105% | 5,723 |
| Cost of funding earning assets | 0.5037% | 5,789 |
| Net interest margin | 3.5067% | 4,662 |
| Noninterest income to average assets | 0.1648% | 6,398 |
| Noninterest expense to average assets | 1.9038% | 6,641 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5377% | 959 |
| Return on assets (ROA) | 1.5377% | 1,081 |
| Pretax return on assets | 1.5743% | 1,656 |
| Return on Equity (ROE) | 7.5362% | 3,482 |
| Retained earnings to average equity (ytd only) | -3.6784% | 6,462 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7368% | 6,261 |
| Assets per employee ($millions) | 4.3850% | 3,215 |
| Cash dividends to net income (ytd only)* | 148.8095% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0685% | 6,015 |
| 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 | 58.2759% | 3,990 |
| Net loans and leases to deposits | 74.3670% | 3,071 |
| Net loans and leases to core deposits | 78.9630% | 3,191 |
| Total domestic deposits to total assets | 78.3626% | 6,215 |
| Equity capital to assets | 20.2281% | 216 |
| Core capital (leverage) ratio | 20.6995% | 173 |
| Tier 1 risk-based capital ratio | 24.2479% | 982 |
| Total risk-based capital ratio | 25.0027% | 1,020 |
| Memoranda: | ||
| Average total assets | $21,850,500 | 7,138 |
| Average earning assets | $20,646,000 | 7,101 |
| Average equity | $4,458,500 | 6,593 |
| Average total loans | $14,243,000 | 6,893 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 6,604 |
| Cost of funding earning assets | 0.6325% | 5,912 |
| Net interest margin | 3.2745% | 5,888 |
| Noninterest income to average assets | 0.1956% | 6,102 |
| Noninterest expense to average assets | 2.2774% | 6,093 |
| Loan and lease loss provision to assets | -0.2096% | 7,305 |
| Net operating income to assets | 1.2295% | 1,432 |
| Return on assets (ROA) | 1.2295% | 1,536 |
| Pretax return on assets | 1.2621% | 2,266 |
| Return on Equity (ROE) | 5.9802% | 3,878 |
| Retained earnings to average equity (ytd only) | 2.5823% | 4,387 |
| Net charge-offs to loans | -0.3619% | 7,258 |
| Credit loss provision to net charge-offs | 100.0000% | 3,501 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3916% | 4,279 |
| Assets per employee ($millions) | 4.3552% | 3,148 |
| Cash dividends to net income (ytd only)* | 56.8182% | 1,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8863% | 6,565 |
| 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 | 70.8716% | 1,850 |
| Net loans and leases to deposits | 99.5677% | 480 |
| Net loans and leases to core deposits | 106.4345% | 779 |
| Total domestic deposits to total assets | 71.1793% | 6,916 |
| Equity capital to assets | 20.5823% | 204 |
| Core capital (leverage) ratio | 21.6176% | 146 |
| Tier 1 risk-based capital ratio | 22.1931% | 1,210 |
| Total risk-based capital ratio | 22.8759% | 1,262 |
| Memoranda: | ||
| Average total assets | $21,471,600 | 7,170 |
| Average earning assets | $20,552,800 | 7,132 |
| Average equity | $4,414,600 | 6,626 |
| Average total loans | $12,433,600 | 7,015 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8031% | 6,837 |
| Cost of funding earning assets | 0.6662% | 5,956 |
| Net interest margin | 3.1369% | 6,327 |
| Noninterest income to average assets | 0.1870% | 6,261 |
| Noninterest expense to average assets | 1.9879% | 6,714 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1903% | 1,680 |
| Return on assets (ROA) | 1.1903% | 1,796 |
| Pretax return on assets | 1.2214% | 2,555 |
| Return on Equity (ROE) | 5.7907% | 4,121 |
| Retained earnings to average equity (ytd only) | 1.2431% | 5,515 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9417% | 5,416 |
| Assets per employee ($millions) | 4.1398% | 3,566 |
| Cash dividends to net income (ytd only)* | 78.5361% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2101% | 5,422 |
| 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 | 54.4278% | 5,101 |
| Net loans and leases to deposits | 70.5404% | 4,212 |
| Net loans and leases to core deposits | 75.2522% | 4,285 |
| Total domestic deposits to total assets | 77.1583% | 6,352 |
| Equity capital to assets | 21.3247% | 190 |
| Core capital (leverage) ratio | 20.8282% | 185 |
| Tier 1 risk-based capital ratio | 27.3325% | 714 |
| Total risk-based capital ratio | 28.1886% | 730 |
| Memoranda: | ||
| Average total assets | $21,395,500 | 7,244 |
| Average earning assets | $20,614,500 | 7,207 |
| Average equity | $4,397,750 | 6,677 |
| Average total loans | $11,649,250 | 7,119 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7489% | 6,971 |
| Cost of funding earning assets | 0.6712% | 6,119 |
| Net interest margin | 3.0777% | 6,453 |
| Noninterest income to average assets | 0.1849% | 6,337 |
| Noninterest expense to average assets | 2.0529% | 6,685 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0635% | 1,987 |
| Return on assets (ROA) | 1.0635% | 2,081 |
| Pretax return on assets | 1.1004% | 2,847 |
| Return on Equity (ROE) | 5.2364% | 4,343 |
| Retained earnings to average equity (ytd only) | -1.5937% | 6,173 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1026% | 5,042 |
| Assets per employee ($millions) | 4.3620% | 3,057 |
| Cash dividends to net income (ytd only)* | 130.4348% | 253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 5,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 51.9807% | 5,562 |
| Net loans and leases to deposits | 68.0737% | 4,699 |
| Net loans and leases to core deposits | 72.4224% | 4,769 |
| Total domestic deposits to total assets | 76.3595% | 6,546 |
| Equity capital to assets | 19.9175% | 263 |
| Core capital (leverage) ratio | 19.2537% | 259 |
| Tier 1 risk-based capital ratio | 26.8598% | 738 |
| Total risk-based capital ratio | 27.7161% | 752 |
| Memoranda: | ||
| Average total assets | $21,627,670 | 7,311 |
| Average earning assets | $20,859,670 | 7,276 |
| Average equity | $4,392,330 | 6,715 |
| Average total loans | $11,731,000 | 7,181 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5960% | 7,142 |
| Cost of funding earning assets | 0.6923% | 6,175 |
| Net interest margin | 2.9037% | 6,754 |
| Noninterest income to average assets | 0.1857% | 6,395 |
| Noninterest expense to average assets | 1.8945% | 6,996 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0587% | 1,978 |
| Return on assets (ROA) | 1.0587% | 2,029 |
| Pretax return on assets | 1.0958% | 2,769 |
| Return on Equity (ROE) | 5.1625% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.1625% | 3,083 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3540% | 5,466 |
| Assets per employee ($millions) | 4.4108% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2988% | 5,136 |
| 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 | 47.5515% | 6,130 |
| Net loans and leases to deposits | 62.4226% | 5,451 |
| Net loans and leases to core deposits | 66.3734% | 5,469 |
| Total domestic deposits to total assets | 76.1767% | 6,643 |
| Equity capital to assets | 20.1233% | 252 |
| Core capital (leverage) ratio | 20.3536% | 212 |
| Tier 1 risk-based capital ratio | 28.9143% | 583 |
| Total risk-based capital ratio | 29.8169% | 588 |
| Memoranda: | ||
| Average total assets | $21,536,500 | 7,369 |
| Average earning assets | $20,801,000 | 7,328 |
| Average equity | $4,416,500 | 6,735 |
| Average total loans | $11,859,000 | 7,231 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3279% | 6,737 |
| Cost of funding earning assets | 0.8985% | 6,179 |
| Net interest margin | 3.4293% | 5,513 |
| Noninterest income to average assets | 0.2248% | 6,195 |
| Noninterest expense to average assets | 2.3918% | 6,107 |
| Loan and lease loss provision to assets | -0.2870% | 7,633 |
| Net operating income to assets | 1.3681% | 1,011 |
| Return on assets (ROA) | 1.3681% | 1,086 |
| Pretax return on assets | 1.4064% | 1,648 |
| Return on Equity (ROE) | 6.6314% | 3,292 |
| Retained earnings to average equity (ytd only) | 3.1534% | 3,658 |
| Net charge-offs to loans | -0.4916% | 7,590 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1199% | 4,539 |
| Assets per employee ($millions) | 4.2038% | 3,376 |
| Cash dividends to net income (ytd only)* | 52.4476% | 1,965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0540% | 6,132 |
| 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 | 61.6347% | 4,364 |
| Net loans and leases to deposits | 85.1630% | 2,247 |
| Net loans and leases to core deposits | 91.1554% | 2,597 |
| Total domestic deposits to total assets | 72.3726% | 7,050 |
| Equity capital to assets | 20.9097% | 213 |
| Core capital (leverage) ratio | 20.5838% | 206 |
| Tier 1 risk-based capital ratio | 26.5624% | 698 |
| Total risk-based capital ratio | 27.4022% | 727 |
| Memoranda: | ||
| Average total assets | $20,904,800 | 7,444 |
| Average earning assets | $20,033,000 | 7,403 |
| Average equity | $4,312,800 | 6,888 |
| Average total loans | $12,205,600 | 7,291 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4205% | 6,786 |
| Cost of funding earning assets | 0.9282% | 6,276 |
| Net interest margin | 3.4924% | 5,324 |
| Noninterest income to average assets | 0.2171% | 6,350 |
| Noninterest expense to average assets | 2.1012% | 6,840 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4178% | 1,077 |
| Return on assets (ROA) | 1.4178% | 1,149 |
| Pretax return on assets | 1.4562% | 1,730 |
| Return on Equity (ROE) | 6.8959% | 3,396 |
| Retained earnings to average equity (ytd only) | 2.2366% | 4,825 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0664% | 6,099 |
| Assets per employee ($millions) | 4.1564% | 3,531 |
| Cash dividends to net income (ytd only)* | 67.5699% | 967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2107% | 5,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1203% | 7,058 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 54.1815% | 5,824 |
| Net loans and leases to deposits | 72.0363% | 4,838 |
| Net loans and leases to core deposits | 76.9599% | 4,927 |
| Total domestic deposits to total assets | 75.2141% | 6,780 |
| Equity capital to assets | 20.8546% | 238 |
| Core capital (leverage) ratio | 20.5101% | 229 |
| Tier 1 risk-based capital ratio | 28.3115% | 607 |
| Total risk-based capital ratio | 29.2213% | 609 |
| Memoranda: | ||
| Average total assets | $20,876,250 | 7,539 |
| Average earning assets | $19,967,000 | 7,495 |
| Average equity | $4,292,250 | 6,983 |
| Average total loans | $11,983,750 | 7,401 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 6,910 |
| Cost of funding earning assets | 0.9286% | 6,469 |
| Net interest margin | 3.4649% | 5,387 |
| Noninterest income to average assets | 0.1913% | 6,528 |
| Noninterest expense to average assets | 2.1236% | 6,832 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3488% | 1,195 |
| Return on assets (ROA) | 1.3488% | 1,265 |
| Pretax return on assets | 1.3871% | 1,867 |
| Return on Equity (ROE) | 6.5914% | 3,500 |
| Retained earnings to average equity (ytd only) | -0.4207% | 5,826 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4905% | 5,965 |
| Assets per employee ($millions) | 4.2104% | 3,364 |
| Cash dividends to net income (ytd only)* | 106.3830% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1633% | 5,639 |
| 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 | 55.6954% | 5,750 |
| Net loans and leases to deposits | 73.3500% | 4,784 |
| Net loans and leases to core deposits | 78.2449% | 4,905 |
| Total domestic deposits to total assets | 75.9310% | 6,711 |
| Equity capital to assets | 20.1834% | 274 |
| Core capital (leverage) ratio | 20.2214% | 235 |
| Tier 1 risk-based capital ratio | 27.1650% | 686 |
| Total risk-based capital ratio | 28.0536% | 701 |
| Memoranda: | ||
| Average total assets | $20,907,670 | 7,600 |
| Average earning assets | $20,029,670 | 7,554 |
| Average equity | $4,278,330 | 7,020 |
| Average total loans | $12,179,000 | 7,447 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3720% | 7,041 |
| Cost of funding earning assets | 0.9426% | 6,609 |
| Net interest margin | 3.4294% | 5,465 |
| Noninterest income to average assets | 0.1920% | 6,591 |
| Noninterest expense to average assets | 1.9582% | 7,235 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4782% | 927 |
| Return on assets (ROA) | 1.4782% | 997 |
| Pretax return on assets | 1.5166% | 1,476 |
| Return on Equity (ROE) | 7.1745% | 3,254 |
| Retained earnings to average equity (ytd only) | 7.1745% | 2,058 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3536% | 6,720 |
| Assets per employee ($millions) | 4.1288% | 3,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1999% | 5,502 |
| 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 | 55.0426% | 5,885 |
| Net loans and leases to deposits | 73.3760% | 4,845 |
| Net loans and leases to core deposits | 78.4413% | 4,970 |
| Total domestic deposits to total assets | 75.0145% | 6,899 |
| Equity capital to assets | 21.0327% | 242 |
| Core capital (leverage) ratio | 20.9599% | 213 |
| Tier 1 risk-based capital ratio | 28.3906% | 609 |
| Total risk-based capital ratio | 29.3005% | 625 |
| Memoranda: | ||
| Average total assets | $20,835,500 | 7,705 |
| Average earning assets | $19,945,000 | 7,650 |
| Average equity | $4,293,000 | 7,076 |
| Average total loans | $12,337,000 | 7,531 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8085% | 6,934 |
| Cost of funding earning assets | 1.2863% | 6,354 |
| Net interest margin | 3.5221% | 4,859 |
| Noninterest income to average assets | 0.2346% | 6,434 |
| Noninterest expense to average assets | 2.3600% | 6,571 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.0745% | 1,581 |
| Return on assets (ROA) | 1.0745% | 1,630 |
| Pretax return on assets | 1.1120% | 2,210 |
| Return on Equity (ROE) | 5.4814% | 3,439 |
| Retained earnings to average equity (ytd only) | 1.8909% | 3,772 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9730% | 5,010 |
| Assets per employee ($millions) | 4.2054% | 3,430 |
| Cash dividends to net income (ytd only)* | 65.5022% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0476% | 6,141 |
| 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 | 61.9917% | 4,991 |
| Net loans and leases to deposits | 85.6664% | 2,971 |
| Net loans and leases to core deposits | 98.7201% | 4,151 |
| Total domestic deposits to total assets | 72.3641% | 7,212 |
| Equity capital to assets | 20.1836% | 285 |
| Core capital (leverage) ratio | 20.4221% | 259 |
| Tier 1 risk-based capital ratio | 25.0311% | 843 |
| Total risk-based capital ratio | 25.8479% | 861 |
| Memoranda: | ||
| Average total assets | $21,313,200 | 7,741 |
| Average earning assets | $19,590,400 | 7,722 |
| Average equity | $4,177,800 | 7,219 |
| Average total loans | $12,422,400 | 7,581 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 6,878 |
| Cost of funding earning assets | 1.3764% | 6,312 |
| Net interest margin | 3.5268% | 4,756 |
| Noninterest income to average assets | 0.2369% | 6,532 |
| Noninterest expense to average assets | 2.0637% | 7,260 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3467% | 1,130 |
| Return on assets (ROA) | 1.3467% | 1,191 |
| Pretax return on assets | 1.3841% | 1,743 |
| Return on Equity (ROE) | 6.9208% | 3,107 |
| Retained earnings to average equity (ytd only) | 2.1147% | 4,147 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8553% | 6,434 |
| Assets per employee ($millions) | 4.2566% | 3,277 |
| Cash dividends to net income (ytd only)* | 69.4469% | 1,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 5,065 |
| 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 | 53.0846% | 6,487 |
| Net loans and leases to deposits | 72.0398% | 5,638 |
| Net loans and leases to core deposits | 83.8504% | 6,048 |
| Total domestic deposits to total assets | 73.6879% | 7,007 |
| Equity capital to assets | 19.8609% | 354 |
| Core capital (leverage) ratio | 19.9735% | 312 |
| Tier 1 risk-based capital ratio | 27.3589% | 722 |
| Total risk-based capital ratio | 28.2544% | 730 |
| Memoranda: | ||
| Average total assets | $21,384,750 | 7,811 |
| Average earning assets | $19,469,750 | 7,797 |
| Average equity | $4,161,250 | 7,295 |
| Average total loans | $12,234,750 | 7,660 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0674% | 6,555 |
| Cost of funding earning assets | 1.4923% | 6,172 |
| Net interest margin | 3.5752% | 4,468 |
| Noninterest income to average assets | 0.2334% | 6,610 |
| Noninterest expense to average assets | 2.0169% | 7,434 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4006% | 1,030 |
| Return on assets (ROA) | 1.4006% | 1,096 |
| Pretax return on assets | 1.4380% | 1,628 |
| Return on Equity (ROE) | 7.2475% | 3,091 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,197 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3784% | 6,795 |
| Assets per employee ($millions) | 4.3148% | 3,089 |
| Cash dividends to net income (ytd only)* | 100.0000% | 716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 4,881 |
| 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 | 52.3176% | 6,642 |
| Net loans and leases to deposits | 68.0596% | 6,181 |
| Net loans and leases to core deposits | 79.1459% | 6,477 |
| Total domestic deposits to total assets | 76.8703% | 6,359 |
| Equity capital to assets | 19.3056% | 430 |
| Core capital (leverage) ratio | 19.4281% | 391 |
| Tier 1 risk-based capital ratio | 27.2554% | 765 |
| Total risk-based capital ratio | 28.1615% | 767 |
| Memoranda: | ||
| Average total assets | $21,418,670 | 7,889 |
| Average earning assets | $19,299,670 | 7,878 |
| Average equity | $4,139,330 | 7,364 |
| Average total loans | $12,501,000 | 7,724 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6047% | 4,326 |
| Cost of funding earning assets | 1.6814% | 5,685 |
| Net interest margin | 3.9233% | 2,959 |
| Noninterest income to average assets | 0.2249% | 6,667 |
| Noninterest expense to average assets | 1.8743% | 7,600 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.7244% | 617 |
| Return on assets (ROA) | 1.7244% | 677 |
| Pretax return on assets | 1.7619% | 1,057 |
| Return on Equity (ROE) | 8.9180% | 2,754 |
| Retained earnings to average equity (ytd only) | -5.6222% | 6,640 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5464% | 7,464 |
| Assets per employee ($millions) | 4.2462% | 3,176 |
| Cash dividends to net income (ytd only)* | 163.0435% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,137 |
| 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 | 55.9748% | 6,244 |
| Net loans and leases to deposits | 72.8588% | 5,636 |
| Net loans and leases to core deposits | 85.0132% | 5,978 |
| Total domestic deposits to total assets | 76.8263% | 6,324 |
| Equity capital to assets | 19.2973% | 458 |
| Core capital (leverage) ratio | 18.9972% | 452 |
| Tier 1 risk-based capital ratio | 26.5043% | 847 |
| Total risk-based capital ratio | 27.3981% | 862 |
| Memoranda: | ||
| Average total assets | $21,341,000 | 7,943 |
| Average earning assets | $18,556,000 | 7,943 |
| Average equity | $4,126,500 | 7,405 |
| Average total loans | $13,039,000 | 7,747 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7088% | 6,750 |
| Cost of funding earning assets | 2.1581% | 5,787 |
| Net interest margin | 3.5506% | 5,095 |
| Noninterest income to average assets | 0.2851% | 6,427 |
| Noninterest expense to average assets | 2.2538% | 6,823 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3532% | 1,338 |
| Return on assets (ROA) | 1.3532% | 1,296 |
| Pretax return on assets | 1.3894% | 2,002 |
| Return on Equity (ROE) | 7.3729% | 3,335 |
| Retained earnings to average equity (ytd only) | 3.6495% | 2,883 |
| Net charge-offs to loans | -0.0395% | 8,001 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8634% | 5,981 |
| Assets per employee ($millions) | 4.2902% | 2,972 |
| Cash dividends to net income (ytd only)* | 50.5017% | 3,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9818% | 6,199 |
| 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 | 64.8828% | 5,088 |
| Net loans and leases to deposits | 84.5411% | 4,332 |
| Net loans and leases to core deposits | 98.4509% | 4,994 |
| Total domestic deposits to total assets | 76.7470% | 6,055 |
| Equity capital to assets | 19.3744% | 511 |
| Core capital (leverage) ratio | 18.8763% | 524 |
| Tier 1 risk-based capital ratio | 24.8592% | 995 |
| Total risk-based capital ratio | 25.6860% | 1,020 |
| Memoranda: | ||
| Average total assets | $22,096,400 | 7,943 |
| Average earning assets | $20,897,600 | 7,898 |
| Average equity | $4,055,400 | 7,493 |
| Average total loans | $12,672,600 | 7,788 |