Home > American State Bank of Erskine > Performance and Condition Ratios
American State Bank of Erskine, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3835% | 5,658 |
| Cost of funding earning assets | 0.1137% | 6,436 |
| Net interest margin | 3.2698% | 4,703 |
| Noninterest income to average assets | 0.5828% | 2,904 |
| Noninterest expense to average assets | 2.8401% | 3,374 |
| Loan and lease loss provision to assets | 0.0082% | 4,071 |
| Net operating income to assets | 0.8044% | 3,304 |
| Return on assets (ROA) | 0.8044% | 3,408 |
| Pretax return on assets | 0.8044% | 4,247 |
| Return on Equity (ROE) | 5.8252% | 4,256 |
| Retained earnings to average equity (ytd only) | 3.5665% | 3,924 |
| Net charge-offs to loans | 0.0761% | 2,935 |
| Credit loss provision to net charge-offs | 25.0000% | 3,117 |
| Earnings coverage of net charge-offs (x) | 24.7500% | 1,419 |
| Efficiency ratio | 77.7528% | 2,329 |
| Assets per employee ($millions) | 3.4726% | 4,899 |
| Cash dividends to net income (ytd only)* | 38.7755% | 2,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3904% | 3,404 |
| Loan loss allowance to noncurrent loans | 480.0000% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.8228% | 3,506 |
| Noncurrent loans to loans | 0.2897% | 5,151 |
| Net loans and leases to total assets | 42.0150% | 5,677 |
| Net loans and leases to deposits | 49.0161% | 5,704 |
| Net loans and leases to core deposits | 49.6741% | 5,810 |
| Total domestic deposits to total assets | 85.7166% | 3,188 |
| Equity capital to assets | 14.2381% | 885 |
| Core capital (leverage) ratio | 14.2892% | 758 |
| Tier 1 risk-based capital ratio | 29.0661% | 573 |
| Total risk-based capital ratio | 30.2813% | 566 |
| Memoranda: | ||
| Average total assets | $24,365,670 | 6,491 |
| Average earning assets | $22,876,000 | 6,460 |
| Average equity | $3,364,670 | 6,324 |
| Average total loans | $10,513,000 | 6,436 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3940% | 5,659 |
| Cost of funding earning assets | 0.1218% | 6,489 |
| Net interest margin | 3.2721% | 4,658 |
| Noninterest income to average assets | 0.5411% | 3,105 |
| Noninterest expense to average assets | 2.8695% | 3,315 |
| Loan and lease loss provision to assets | 0.0164% | 3,617 |
| Net operating income to assets | 0.7379% | 3,500 |
| Return on assets (ROA) | 0.7379% | 3,584 |
| Pretax return on assets | 0.7379% | 4,363 |
| Return on Equity (ROE) | 5.4274% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.4274% | 2,833 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1855% | 2,311 |
| Assets per employee ($millions) | 3.5593% | 4,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4696% | 3,287 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6823% | 4,060 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 39.8274% | 5,820 |
| Net loans and leases to deposits | 46.0935% | 5,846 |
| Net loans and leases to core deposits | 46.6921% | 5,953 |
| Total domestic deposits to total assets | 86.4058% | 3,155 |
| Equity capital to assets | 13.5420% | 1,086 |
| Core capital (leverage) ratio | 14.1606% | 772 |
| Tier 1 risk-based capital ratio | 28.8285% | 585 |
| Total risk-based capital ratio | 30.0721% | 576 |
| Memoranda: | ||
| Average total assets | $24,394,500 | 6,559 |
| Average earning assets | $22,982,000 | 6,528 |
| Average equity | $3,316,500 | 6,387 |
| Average total loans | $10,591,000 | 6,499 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5642% | 5,498 |
| Cost of funding earning assets | 0.1572% | 6,509 |
| Net interest margin | 3.4070% | 4,250 |
| Noninterest income to average assets | 0.4877% | 3,836 |
| Noninterest expense to average assets | 3.0088% | 3,028 |
| Loan and lease loss provision to assets | 0.0703% | 3,719 |
| Net operating income to assets | 0.6324% | 4,105 |
| Return on assets (ROA) | 0.6324% | 4,215 |
| Pretax return on assets | 0.6324% | 4,762 |
| Return on Equity (ROE) | 4.5119% | 4,886 |
| Retained earnings to average equity (ytd only) | 2.6246% | 4,386 |
| Net charge-offs to loans | 0.7429% | 866 |
| Credit loss provision to net charge-offs | 21.2500% | 4,425 |
| Earnings coverage of net charge-offs (x) | 2.1250% | 4,323 |
| Efficiency ratio | 81.0690% | 2,016 |
| Assets per employee ($millions) | 3.4106% | 5,057 |
| Cash dividends to net income (ytd only)* | 41.8301% | 2,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3230% | 4,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7121% | 4,114 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 45.9244% | 5,494 |
| Net loans and leases to deposits | 53.2052% | 5,534 |
| Net loans and leases to core deposits | 53.9275% | 5,676 |
| Total domestic deposits to total assets | 86.3157% | 3,107 |
| Equity capital to assets | 13.6508% | 1,012 |
| Core capital (leverage) ratio | 14.2863% | 745 |
| Tier 1 risk-based capital ratio | 27.0940% | 671 |
| Total risk-based capital ratio | 28.2861% | 663 |
| Memoranda: | ||
| Average total assets | $24,195,400 | 6,633 |
| Average earning assets | $22,894,200 | 6,601 |
| Average equity | $3,391,000 | 6,454 |
| Average total loans | $10,768,800 | 6,558 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5441% | 5,590 |
| Cost of funding earning assets | 0.1682% | 6,562 |
| Net interest margin | 3.3759% | 4,380 |
| Noninterest income to average assets | 0.4833% | 3,915 |
| Noninterest expense to average assets | 2.9658% | 3,093 |
| Loan and lease loss provision to assets | 0.0604% | 3,840 |
| Net operating income to assets | 0.6536% | 4,101 |
| Return on assets (ROA) | 0.6536% | 4,234 |
| Pretax return on assets | 0.6536% | 4,842 |
| Return on Equity (ROE) | 4.6338% | 4,910 |
| Retained earnings to average equity (ytd only) | 2.6869% | 4,708 |
| Net charge-offs to loans | 0.9984% | 569 |
| Credit loss provision to net charge-offs | 13.7500% | 4,168 |
| Earnings coverage of net charge-offs (x) | 1.6251% | 4,296 |
| Efficiency ratio | 80.5970% | 2,019 |
| Assets per employee ($millions) | 3.3606% | 5,159 |
| Cash dividends to net income (ytd only)* | 42.0207% | 2,207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3077% | 4,346 |
| Loan loss allowance to noncurrent loans | 45.9283% | 5,410 |
| Noncurrent assets plus other real estate owned to assets | 1.3051% | 3,047 |
| Noncurrent loans to loans | 2.8473% | 1,450 |
| Net loans and leases to total assets | 45.2347% | 5,611 |
| Net loans and leases to deposits | 52.6652% | 5,661 |
| Net loans and leases to core deposits | 53.3946% | 5,808 |
| Total domestic deposits to total assets | 85.8910% | 3,322 |
| Equity capital to assets | 13.9390% | 980 |
| Core capital (leverage) ratio | 14.2773% | 792 |
| Tier 1 risk-based capital ratio | 28.0246% | 631 |
| Total risk-based capital ratio | 29.1992% | 627 |
| Memoranda: | ||
| Average total assets | $24,275,750 | 6,713 |
| Average earning assets | $22,986,000 | 6,675 |
| Average equity | $3,424,000 | 6,525 |
| Average total loans | $10,683,250 | 6,633 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 5,706 |
| Cost of funding earning assets | 0.1722% | 6,614 |
| Net interest margin | 3.3236% | 4,473 |
| Noninterest income to average assets | 0.4648% | 4,062 |
| Noninterest expense to average assets | 2.9356% | 3,218 |
| Loan and lease loss provision to assets | 0.0489% | 4,001 |
| Net operating income to assets | 0.6279% | 4,165 |
| Return on assets (ROA) | 0.6279% | 4,322 |
| Pretax return on assets | 0.6279% | 4,918 |
| Return on Equity (ROE) | 4.4351% | 5,037 |
| Retained earnings to average equity (ytd only) | 2.3615% | 4,792 |
| Net charge-offs to loans | 0.8263% | 756 |
| Credit loss provision to net charge-offs | 13.6364% | 3,842 |
| Earnings coverage of net charge-offs (x) | 1.8864% | 3,894 |
| Efficiency ratio | 81.2641% | 1,998 |
| Assets per employee ($millions) | 3.5180% | 4,813 |
| Cash dividends to net income (ytd only)* | 46.7532% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 3,092 |
| Loan loss allowance to noncurrent loans | 73.1915% | 4,280 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 3,874 |
| Noncurrent loans to loans | 2.2103% | 2,164 |
| Net loans and leases to total assets | 42.4754% | 5,868 |
| Net loans and leases to deposits | 49.1634% | 5,911 |
| Net loans and leases to core deposits | 49.8095% | 6,032 |
| Total domestic deposits to total assets | 86.3965% | 3,168 |
| Equity capital to assets | 13.4898% | 1,141 |
| Core capital (leverage) ratio | 13.9490% | 835 |
| Tier 1 risk-based capital ratio | 27.6960% | 650 |
| Total risk-based capital ratio | 28.9642% | 637 |
| Memoranda: | ||
| Average total assets | $24,526,330 | 6,756 |
| Average earning assets | $23,228,000 | 6,717 |
| Average equity | $3,472,330 | 6,564 |
| Average total loans | $10,650,330 | 6,679 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5134% | 5,670 |
| Cost of funding earning assets | 0.1904% | 6,623 |
| Net interest margin | 3.3230% | 4,430 |
| Noninterest income to average assets | 0.4903% | 3,842 |
| Noninterest expense to average assets | 2.9579% | 3,130 |
| Loan and lease loss provision to assets | 0.0490% | 3,801 |
| Net operating income to assets | 0.6210% | 4,114 |
| Return on assets (ROA) | 0.6210% | 4,275 |
| Pretax return on assets | 0.6210% | 4,872 |
| Return on Equity (ROE) | 4.2847% | 4,954 |
| Retained earnings to average equity (ytd only) | 4.2847% | 3,656 |
| Net charge-offs to loans | 0.9006% | 673 |
| Credit loss provision to net charge-offs | 12.5000% | 3,120 |
| Earnings coverage of net charge-offs (x) | 1.7083% | 3,264 |
| Efficiency ratio | 81.5315% | 2,108 |
| Assets per employee ($millions) | 3.5120% | 4,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8705% | 2,389 |
| Loan loss allowance to noncurrent loans | 73.5409% | 4,187 |
| Noncurrent assets plus other real estate owned to assets | 1.0454% | 3,846 |
| Noncurrent loans to loans | 2.5435% | 2,030 |
| Net loans and leases to total assets | 40.3311% | 5,971 |
| Net loans and leases to deposits | 47.1761% | 5,980 |
| Net loans and leases to core deposits | 47.8039% | 6,103 |
| Total domestic deposits to total assets | 85.4906% | 3,800 |
| Equity capital to assets | 14.4484% | 891 |
| Core capital (leverage) ratio | 13.5931% | 914 |
| Tier 1 risk-based capital ratio | 28.8260% | 593 |
| Total risk-based capital ratio | 30.0963% | 582 |
| Memoranda: | ||
| Average total assets | $24,476,500 | 6,826 |
| Average earning assets | $23,111,500 | 6,788 |
| Average equity | $3,547,500 | 6,620 |
| Average total loans | $10,659,500 | 6,744 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6234% | 6,183 |
| Cost of funding earning assets | 0.2476% | 6,682 |
| Net interest margin | 3.3758% | 4,974 |
| Noninterest income to average assets | 0.5945% | 3,311 |
| Noninterest expense to average assets | 2.8945% | 3,664 |
| Loan and lease loss provision to assets | 0.0205% | 5,647 |
| Net operating income to assets | 0.8651% | 2,985 |
| Return on assets (ROA) | 0.8651% | 3,220 |
| Pretax return on assets | 0.8651% | 4,051 |
| Return on Equity (ROE) | 6.0580% | 4,140 |
| Retained earnings to average equity (ytd only) | 2.3830% | 4,555 |
| Net charge-offs to loans | -0.0092% | 6,453 |
| Credit loss provision to net charge-offs | -500.0000% | 6,518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5727% | 2,649 |
| Assets per employee ($millions) | 3.4813% | 5,047 |
| Cash dividends to net income (ytd only)* | 60.6635% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 2,374 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 45.1598% | 5,705 |
| Net loans and leases to deposits | 52.8705% | 5,748 |
| Net loans and leases to core deposits | 53.5810% | 5,906 |
| Total domestic deposits to total assets | 85.4159% | 3,654 |
| Equity capital to assets | 14.5390% | 861 |
| Core capital (leverage) ratio | 13.8409% | 841 |
| Tier 1 risk-based capital ratio | 23.6572% | 1,013 |
| Total risk-based capital ratio | 24.9239% | 990 |
| Memoranda: | ||
| Average total assets | $24,391,000 | 6,884 |
| Average earning assets | $23,016,800 | 6,837 |
| Average equity | $3,483,000 | 6,691 |
| Average total loans | $10,819,000 | 6,813 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6052% | 6,389 |
| Cost of funding earning assets | 0.2600% | 6,772 |
| Net interest margin | 3.3452% | 5,227 |
| Noninterest income to average assets | 0.6285% | 3,115 |
| Noninterest expense to average assets | 2.8856% | 3,655 |
| Loan and lease loss provision to assets | 0.0109% | 5,672 |
| Net operating income to assets | 0.8963% | 2,997 |
| Return on assets (ROA) | 0.8963% | 3,228 |
| Pretax return on assets | 0.8963% | 4,117 |
| Return on Equity (ROE) | 6.3051% | 4,173 |
| Retained earnings to average equity (ytd only) | 1.9991% | 5,322 |
| Net charge-offs to loans | -0.0373% | 6,632 |
| Credit loss provision to net charge-offs | -66.6667% | 6,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0807% | 2,668 |
| Assets per employee ($millions) | 3.4127% | 5,178 |
| Cash dividends to net income (ytd only)* | 68.2932% | 980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9654% | 2,274 |
| 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 | 43.6393% | 5,997 |
| Net loans and leases to deposits | 51.2814% | 6,024 |
| Net loans and leases to core deposits | 51.9872% | 6,180 |
| Total domestic deposits to total assets | 85.0977% | 3,705 |
| Equity capital to assets | 14.7599% | 879 |
| Core capital (leverage) ratio | 13.7937% | 906 |
| Tier 1 risk-based capital ratio | 27.2615% | 720 |
| Total risk-based capital ratio | 28.5291% | 702 |
| Memoranda: | ||
| Average total assets | $24,396,500 | 6,972 |
| Average earning assets | $23,077,500 | 6,925 |
| Average equity | $3,468,000 | 6,777 |
| Average total loans | $10,720,000 | 6,912 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6013% | 6,486 |
| Cost of funding earning assets | 0.2658% | 6,851 |
| Net interest margin | 3.3355% | 5,326 |
| Noninterest income to average assets | 0.6513% | 2,949 |
| Noninterest expense to average assets | 2.8251% | 3,921 |
| Loan and lease loss provision to assets | 0.0081% | 5,553 |
| Net operating income to assets | 0.9851% | 2,531 |
| Return on assets (ROA) | 0.9851% | 2,762 |
| Pretax return on assets | 0.9851% | 3,767 |
| Return on Equity (ROE) | 7.0172% | 3,767 |
| Retained earnings to average equity (ytd only) | 3.9435% | 3,993 |
| Net charge-offs to loans | -0.0372% | 6,587 |
| Credit loss provision to net charge-offs | -50.0000% | 6,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9872% | 3,076 |
| Assets per employee ($millions) | 3.4714% | 5,046 |
| Cash dividends to net income (ytd only)* | 43.8017% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9312% | 2,441 |
| 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 | 43.2593% | 6,085 |
| Net loans and leases to deposits | 50.6139% | 6,137 |
| Net loans and leases to core deposits | 51.2956% | 6,284 |
| Total domestic deposits to total assets | 85.4691% | 3,626 |
| Equity capital to assets | 14.4362% | 938 |
| Core capital (leverage) ratio | 13.5501% | 962 |
| Tier 1 risk-based capital ratio | 27.1312% | 715 |
| Total risk-based capital ratio | 28.3945% | 696 |
| Memoranda: | ||
| Average total assets | $24,565,670 | 7,024 |
| Average earning assets | $23,324,670 | 6,976 |
| Average equity | $3,448,670 | 6,825 |
| Average total loans | $10,748,670 | 6,972 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5702% | 6,613 |
| Cost of funding earning assets | 0.2720% | 6,937 |
| Net interest margin | 3.2982% | 5,486 |
| Noninterest income to average assets | 0.4535% | 4,271 |
| Noninterest expense to average assets | 2.7856% | 4,099 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8098% | 3,331 |
| Return on assets (ROA) | 0.8098% | 3,568 |
| Pretax return on assets | 0.8098% | 4,375 |
| Return on Equity (ROE) | 5.8497% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.8497% | 3,045 |
| Net charge-offs to loans | -0.1115% | 6,829 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4775% | 2,573 |
| Assets per employee ($millions) | 3.4721% | 5,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9711% | 2,444 |
| 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 | 42.3575% | 6,161 |
| Net loans and leases to deposits | 49.4120% | 6,187 |
| Net loans and leases to core deposits | 50.0754% | 6,337 |
| Total domestic deposits to total assets | 85.7231% | 3,674 |
| Equity capital to assets | 14.1946% | 952 |
| Core capital (leverage) ratio | 13.4761% | 963 |
| Tier 1 risk-based capital ratio | 27.1579% | 716 |
| Total risk-based capital ratio | 28.4214% | 698 |
| Memoranda: | ||
| Average total assets | $24,698,500 | 7,082 |
| Average earning assets | $23,528,000 | 7,031 |
| Average equity | $3,419,000 | 6,869 |
| Average total loans | $10,763,500 | 7,034 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1447% | 6,193 |
| Cost of funding earning assets | 0.3776% | 6,949 |
| Net interest margin | 3.7671% | 3,994 |
| Noninterest income to average assets | 0.6282% | 3,012 |
| Noninterest expense to average assets | 3.1060% | 3,175 |
| Loan and lease loss provision to assets | 0.0044% | 6,463 |
| Net operating income to assets | 1.0676% | 1,931 |
| Return on assets (ROA) | 1.0676% | 2,072 |
| Pretax return on assets | 1.0676% | 2,967 |
| Return on Equity (ROE) | 7.6314% | 3,091 |
| Retained earnings to average equity (ytd only) | 4.4281% | 3,020 |
| Net charge-offs to loans | 0.0268% | 6,059 |
| Credit loss provision to net charge-offs | 33.3333% | 5,737 |
| Earnings coverage of net charge-offs (x) | 81.3333% | 363 |
| Efficiency ratio | 74.3428% | 3,168 |
| Assets per employee ($millions) | 3.5846% | 4,816 |
| Cash dividends to net income (ytd only)* | 41.9753% | 2,469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8503% | 2,709 |
| Loan loss allowance to noncurrent loans | 245.7831% | 1,340 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 6,143 |
| Noncurrent loans to loans | 0.7528% | 5,192 |
| Net loans and leases to total assets | 43.1253% | 6,285 |
| Net loans and leases to deposits | 49.8893% | 6,369 |
| Net loans and leases to core deposits | 50.5324% | 6,501 |
| Total domestic deposits to total assets | 86.4419% | 3,057 |
| Equity capital to assets | 13.5023% | 1,262 |
| Core capital (leverage) ratio | 12.9468% | 1,164 |
| Tier 1 risk-based capital ratio | 25.9472% | 785 |
| Total risk-based capital ratio | 27.2127% | 770 |
| Memoranda: | ||
| Average total assets | $22,762,200 | 7,149 |
| Average earning assets | $21,449,000 | 7,117 |
| Average equity | $3,184,200 | 6,970 |
| Average total loans | $11,208,200 | 7,071 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3139% | 5,901 |
| Cost of funding earning assets | 0.4154% | 6,978 |
| Net interest margin | 3.8985% | 3,387 |
| Noninterest income to average assets | 0.6552% | 2,850 |
| Noninterest expense to average assets | 3.2161% | 2,782 |
| Loan and lease loss provision to assets | 0.0060% | 6,350 |
| Net operating income to assets | 1.1001% | 1,968 |
| Return on assets (ROA) | 1.1001% | 2,116 |
| Pretax return on assets | 1.1001% | 3,015 |
| Return on Equity (ROE) | 7.7871% | 3,144 |
| Retained earnings to average equity (ytd only) | 4.5531% | 3,479 |
| Net charge-offs to loans | 0.0355% | 5,646 |
| Credit loss provision to net charge-offs | 33.3333% | 5,367 |
| Earnings coverage of net charge-offs (x) | 61.3325% | 540 |
| Efficiency ratio | 74.4089% | 3,102 |
| Assets per employee ($millions) | 3.3077% | 5,470 |
| Cash dividends to net income (ytd only)* | 41.5304% | 1,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7885% | 2,982 |
| 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 | 48.3804% | 5,908 |
| Net loans and leases to deposits | 56.6416% | 5,966 |
| Net loans and leases to core deposits | 57.4432% | 6,175 |
| Total domestic deposits to total assets | 85.4150% | 3,544 |
| Equity capital to assets | 14.4079% | 1,022 |
| Core capital (leverage) ratio | 13.6383% | 1,001 |
| Tier 1 risk-based capital ratio | 26.0077% | 837 |
| Total risk-based capital ratio | 27.2735% | 811 |
| Memoranda: | ||
| Average total assets | $22,179,750 | 7,230 |
| Average earning assets | $20,862,250 | 7,202 |
| Average equity | $3,133,250 | 7,040 |
| Average total loans | $11,254,000 | 7,138 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3240% | 5,942 |
| Cost of funding earning assets | 0.4295% | 7,063 |
| Net interest margin | 3.8945% | 3,338 |
| Noninterest income to average assets | 0.6589% | 2,767 |
| Noninterest expense to average assets | 3.2853% | 2,617 |
| Loan and lease loss provision to assets | 0.0092% | 6,149 |
| Net operating income to assets | 1.0158% | 2,162 |
| Return on assets (ROA) | 1.0158% | 2,258 |
| Pretax return on assets | 1.0158% | 3,180 |
| Return on Equity (ROE) | 7.2415% | 3,327 |
| Retained earnings to average equity (ytd only) | 4.3710% | 3,410 |
| Net charge-offs to loans | 0.0714% | 4,925 |
| Credit loss provision to net charge-offs | 25.0000% | 5,061 |
| Earnings coverage of net charge-offs (x) | 28.0000% | 975 |
| Efficiency ratio | 76.2208% | 2,977 |
| Assets per employee ($millions) | 3.2394% | 5,548 |
| Cash dividends to net income (ytd only)* | 39.6396% | 2,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7722% | 3,087 |
| 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 | 49.6207% | 5,873 |
| Net loans and leases to deposits | 57.8301% | 5,956 |
| Net loans and leases to core deposits | 58.6622% | 6,219 |
| Total domestic deposits to total assets | 85.8044% | 3,439 |
| Equity capital to assets | 14.0589% | 1,080 |
| Core capital (leverage) ratio | 13.8484% | 911 |
| Tier 1 risk-based capital ratio | 26.1087% | 804 |
| Total risk-based capital ratio | 27.3629% | 785 |
| Memoranda: | ||
| Average total assets | $21,855,000 | 7,307 |
| Average earning assets | $20,490,330 | 7,282 |
| Average equity | $3,065,670 | 7,112 |
| Average total loans | $11,203,330 | 7,208 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3206% | 5,949 |
| Cost of funding earning assets | 0.4456% | 7,125 |
| Net interest margin | 3.8749% | 3,270 |
| Noninterest income to average assets | 0.6155% | 3,068 |
| Noninterest expense to average assets | 3.3575% | 2,389 |
| Loan and lease loss provision to assets | 0.0187% | 5,710 |
| Net operating income to assets | 0.9699% | 2,281 |
| Return on assets (ROA) | 0.9699% | 2,346 |
| Pretax return on assets | 0.9699% | 3,250 |
| Return on Equity (ROE) | 6.9229% | 3,421 |
| Retained earnings to average equity (ytd only) | 6.9229% | 2,179 |
| Net charge-offs to loans | 0.1805% | 3,408 |
| Credit loss provision to net charge-offs | 20.0000% | 4,252 |
| Earnings coverage of net charge-offs (x) | 10.6000% | 1,622 |
| Efficiency ratio | 77.2532% | 2,951 |
| Assets per employee ($millions) | 2.7360% | 6,651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8657% | 2,806 |
| 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 | 48.5426% | 6,015 |
| Net loans and leases to deposits | 56.3990% | 6,096 |
| Net loans and leases to core deposits | 57.2375% | 6,323 |
| Total domestic deposits to total assets | 86.0700% | 3,485 |
| Equity capital to assets | 13.8295% | 1,058 |
| Core capital (leverage) ratio | 14.2973% | 777 |
| Tier 1 risk-based capital ratio | 26.7420% | 728 |
| Total risk-based capital ratio | 27.9990% | 709 |
| Memoranda: | ||
| Average total assets | $21,444,500 | 7,371 |
| Average earning assets | $20,645,500 | 7,330 |
| Average equity | $3,004,500 | 7,167 |
| Average total loans | $11,077,500 | 7,268 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6391% | 5,990 |
| Cost of funding earning assets | 0.6310% | 7,062 |
| Net interest margin | 4.0081% | 2,991 |
| Noninterest income to average assets | 0.7373% | 2,608 |
| Noninterest expense to average assets | 3.4358% | 2,340 |
| Loan and lease loss provision to assets | 0.1301% | 5,867 |
| Net operating income to assets | 0.9975% | 2,048 |
| Return on assets (ROA) | 1.0216% | 2,073 |
| Pretax return on assets | 1.0216% | 2,857 |
| Return on Equity (ROE) | 6.9313% | 3,155 |
| Retained earnings to average equity (ytd only) | 4.0214% | 3,049 |
| Net charge-offs to loans | 0.0086% | 6,751 |
| Credit loss provision to net charge-offs | 2,700.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 234.0000% | 100 |
| Efficiency ratio | 75.2904% | 3,147 |
| Assets per employee ($millions) | 2.6251% | 6,813 |
| Cash dividends to net income (ytd only)* | 41.9811% | 2,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8185% | 2,804 |
| Loan loss allowance to noncurrent loans | 4,120.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 7,182 |
| Noncurrent loans to loans | 0.0441% | 7,020 |
| Net loans and leases to total assets | 52.9594% | 5,788 |
| Net loans and leases to deposits | 61.7855% | 5,863 |
| Net loans and leases to core deposits | 62.7475% | 6,175 |
| Total domestic deposits to total assets | 85.7150% | 3,489 |
| Equity capital to assets | 14.1993% | 983 |
| Core capital (leverage) ratio | 14.6301% | 726 |
| Tier 1 risk-based capital ratio | 26.3162% | 731 |
| Total risk-based capital ratio | 27.5650% | 711 |
| Memoranda: | ||
| Average total assets | $20,751,800 | 7,449 |
| Average earning assets | $19,810,000 | 7,405 |
| Average equity | $3,058,600 | 7,264 |
| Average total loans | $11,611,200 | 7,326 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6920% | 6,052 |
| Cost of funding earning assets | 0.6625% | 7,151 |
| Net interest margin | 4.0295% | 2,958 |
| Noninterest income to average assets | 0.7927% | 2,274 |
| Noninterest expense to average assets | 3.4993% | 2,037 |
| Loan and lease loss provision to assets | 0.1482% | 5,555 |
| Net operating income to assets | 0.9860% | 2,290 |
| Return on assets (ROA) | 0.9860% | 2,402 |
| Pretax return on assets | 0.9860% | 3,235 |
| Return on Equity (ROE) | 6.6279% | 3,523 |
| Retained earnings to average equity (ytd only) | 3.8990% | 3,723 |
| Net charge-offs to loans | 0.0114% | 6,510 |
| Credit loss provision to net charge-offs | 2,300.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 176.4361% | 185 |
| Efficiency ratio | 75.5216% | 3,034 |
| Assets per employee ($millions) | 2.5945% | 6,948 |
| Cash dividends to net income (ytd only)* | 41.1785% | 2,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7994% | 2,793 |
| Loan loss allowance to noncurrent loans | 4,040.0000% | 97 |
| Noncurrent assets plus other real estate owned to assets | 0.0241% | 7,300 |
| Noncurrent loans to loans | 0.0445% | 7,135 |
| Net loans and leases to total assets | 53.1124% | 5,970 |
| Net loans and leases to deposits | 62.7683% | 6,050 |
| Net loans and leases to core deposits | 63.7705% | 6,318 |
| Total domestic deposits to total assets | 84.6165% | 3,822 |
| Equity capital to assets | 15.1619% | 853 |
| Core capital (leverage) ratio | 14.5491% | 809 |
| Tier 1 risk-based capital ratio | 26.1308% | 763 |
| Total risk-based capital ratio | 27.3844% | 751 |
| Memoranda: | ||
| Average total assets | $20,689,500 | 7,544 |
| Average earning assets | $19,721,000 | 7,504 |
| Average equity | $3,077,750 | 7,343 |
| Average total loans | $11,682,000 | 7,421 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7219% | 6,069 |
| Cost of funding earning assets | 0.6789% | 7,236 |
| Net interest margin | 4.0430% | 2,826 |
| Noninterest income to average assets | 0.8322% | 1,963 |
| Noninterest expense to average assets | 3.5128% | 2,000 |
| Loan and lease loss provision to assets | 0.1839% | 5,034 |
| Net operating income to assets | 0.9967% | 2,211 |
| Return on assets (ROA) | 0.9967% | 2,288 |
| Pretax return on assets | 0.9967% | 3,128 |
| Return on Equity (ROE) | 6.7438% | 3,425 |
| Retained earnings to average equity (ytd only) | 3.7975% | 3,677 |
| Net charge-offs to loans | 0.0338% | 5,876 |
| Credit loss provision to net charge-offs | 950.0000% | 388 |
| Earnings coverage of net charge-offs (x) | 61.0000% | 505 |
| Efficiency ratio | 74.8454% | 3,292 |
| Assets per employee ($millions) | 2.6183% | 6,916 |
| Cash dividends to net income (ytd only)* | 43.6893% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6790% | 3,154 |
| Loan loss allowance to noncurrent loans | 2,462.5000% | 161 |
| Noncurrent assets plus other real estate owned to assets | 0.0382% | 7,305 |
| Noncurrent loans to loans | 0.0682% | 7,142 |
| Net loans and leases to total assets | 55.0750% | 5,831 |
| Net loans and leases to deposits | 64.7835% | 5,936 |
| Net loans and leases to core deposits | 65.8034% | 6,259 |
| Total domestic deposits to total assets | 85.0138% | 3,618 |
| Equity capital to assets | 14.8095% | 922 |
| Core capital (leverage) ratio | 14.6693% | 790 |
| Tier 1 risk-based capital ratio | 24.9489% | 848 |
| Total risk-based capital ratio | 26.2070% | 830 |
| Memoranda: | ||
| Average total assets | $20,667,330 | 7,611 |
| Average earning assets | $19,738,000 | 7,561 |
| Average equity | $3,054,670 | 7,400 |
| Average total loans | $11,834,000 | 7,466 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8081% | 5,865 |
| Cost of funding earning assets | 0.7131% | 7,307 |
| Net interest margin | 4.0950% | 2,463 |
| Noninterest income to average assets | 0.5846% | 3,378 |
| Noninterest expense to average assets | 3.5269% | 1,917 |
| Loan and lease loss provision to assets | 0.1754% | 4,766 |
| Net operating income to assets | 0.7989% | 2,965 |
| Return on assets (ROA) | 0.7989% | 3,072 |
| Pretax return on assets | 0.7989% | 3,871 |
| Return on Equity (ROE) | 5.4108% | 4,152 |
| Retained earnings to average equity (ytd only) | 5.2788% | 2,995 |
| Net charge-offs to loans | 0.0337% | 5,107 |
| Credit loss provision to net charge-offs | 900.0000% | 510 |
| Earnings coverage of net charge-offs (x) | 50.0000% | 579 |
| Efficiency ratio | 78.3550% | 2,842 |
| Assets per employee ($millions) | 2.5658% | 7,107 |
| Cash dividends to net income (ytd only)* | 2.4390% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 3,412 |
| Loan loss allowance to noncurrent loans | 3,760.0000% | 99 |
| Noncurrent assets plus other real estate owned to assets | 0.2144% | 6,922 |
| Noncurrent loans to loans | 0.0427% | 7,305 |
| Net loans and leases to total assets | 56.0850% | 5,728 |
| Net loans and leases to deposits | 66.0584% | 5,813 |
| Net loans and leases to core deposits | 67.1215% | 6,191 |
| Total domestic deposits to total assets | 84.9021% | 3,720 |
| Equity capital to assets | 14.9128% | 901 |
| Core capital (leverage) ratio | 14.4592% | 862 |
| Tier 1 risk-based capital ratio | 25.1345% | 850 |
| Total risk-based capital ratio | 26.3846% | 828 |
| Memoranda: | ||
| Average total assets | $20,528,000 | 7,709 |
| Average earning assets | $19,633,500 | 7,664 |
| Average equity | $3,031,000 | 7,484 |
| Average total loans | $11,884,500 | 7,555 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9433% | 6,606 |
| Cost of funding earning assets | 0.8643% | 7,462 |
| Net interest margin | 4.0790% | 2,536 |
| Noninterest income to average assets | 0.7119% | 2,889 |
| Noninterest expense to average assets | 3.5691% | 2,220 |
| Loan and lease loss provision to assets | 0.3196% | 4,902 |
| Net operating income to assets | 0.7264% | 2,826 |
| Return on assets (ROA) | 0.7264% | 2,902 |
| Pretax return on assets | 0.7313% | 3,469 |
| Return on Equity (ROE) | 5.0380% | 3,653 |
| Retained earnings to average equity (ytd only) | 2.9892% | 3,076 |
| Net charge-offs to loans | 0.8266% | 2,760 |
| Credit loss provision to net charge-offs | 68.0412% | 6,526 |
| Earnings coverage of net charge-offs (x) | 2.2371% | 4,038 |
| Efficiency ratio | 77.2537% | 3,319 |
| Assets per employee ($millions) | 2.5663% | 7,097 |
| Cash dividends to net income (ytd only)* | 40.6667% | 2,903 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4914% | 3,773 |
| Loan loss allowance to noncurrent loans | 720.0000% | 480 |
| Noncurrent assets plus other real estate owned to assets | 0.2143% | 6,930 |
| Noncurrent loans to loans | 0.2071% | 6,909 |
| Net loans and leases to total assets | 57.9104% | 5,676 |
| Net loans and leases to deposits | 67.9566% | 5,834 |
| Net loans and leases to core deposits | 72.5160% | 6,618 |
| Total domestic deposits to total assets | 85.2168% | 3,449 |
| Equity capital to assets | 14.6176% | 993 |
| Core capital (leverage) ratio | 14.2538% | 939 |
| Tier 1 risk-based capital ratio | 23.8250% | 964 |
| Total risk-based capital ratio | 25.0736% | 947 |
| Memoranda: | ||
| Average total assets | $20,649,200 | 7,756 |
| Average earning assets | $19,784,200 | 7,715 |
| Average equity | $2,977,400 | 7,588 |
| Average total loans | $11,734,200 | 7,616 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9031% | 6,879 |
| Cost of funding earning assets | 0.8945% | 7,570 |
| Net interest margin | 4.0086% | 2,776 |
| Noninterest income to average assets | 0.7286% | 2,834 |
| Noninterest expense to average assets | 3.6171% | 1,996 |
| Loan and lease loss provision to assets | 0.2128% | 5,282 |
| Net operating income to assets | 0.7415% | 3,056 |
| Return on assets (ROA) | 0.7415% | 3,114 |
| Pretax return on assets | 0.7415% | 3,725 |
| Return on Equity (ROE) | 5.1600% | 3,900 |
| Retained earnings to average equity (ytd only) | 3.1408% | 3,561 |
| Net charge-offs to loans | 0.7438% | 2,505 |
| Credit loss provision to net charge-offs | 50.7692% | 6,297 |
| Earnings coverage of net charge-offs (x) | 2.2771% | 4,115 |
| Efficiency ratio | 79.1255% | 2,974 |
| Assets per employee ($millions) | 2.8178% | 6,619 |
| Cash dividends to net income (ytd only)* | 39.1313% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 3,345 |
| Loan loss allowance to noncurrent loans | 337.7358% | 906 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 6,688 |
| Noncurrent loans to loans | 0.4487% | 6,427 |
| Net loans and leases to total assets | 51.6015% | 6,639 |
| Net loans and leases to deposits | 59.7616% | 6,843 |
| Net loans and leases to core deposits | 62.9335% | 7,288 |
| Total domestic deposits to total assets | 86.3455% | 2,515 |
| Equity capital to assets | 13.3085% | 1,572 |
| Core capital (leverage) ratio | 14.0378% | 1,079 |
| Tier 1 risk-based capital ratio | 23.1655% | 1,088 |
| Total risk-based capital ratio | 24.4106% | 1,062 |
| Memoranda: | ||
| Average total assets | $20,679,000 | 7,827 |
| Average earning assets | $19,823,750 | 7,789 |
| Average equity | $2,971,500 | 7,670 |
| Average total loans | $11,650,500 | 7,694 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9612% | 6,892 |
| Cost of funding earning assets | 0.9485% | 7,625 |
| Net interest margin | 4.0127% | 2,647 |
| Noninterest income to average assets | 0.7179% | 2,881 |
| Noninterest expense to average assets | 3.7092% | 1,824 |
| Loan and lease loss provision to assets | 0.0698% | 6,503 |
| Net operating income to assets | 0.7777% | 2,944 |
| Return on assets (ROA) | 0.7777% | 3,045 |
| Pretax return on assets | 0.7777% | 3,751 |
| Return on Equity (ROE) | 5.2667% | 3,966 |
| Retained earnings to average equity (ytd only) | 2.7009% | 3,829 |
| Net charge-offs to loans | 0.0690% | 5,546 |
| Credit loss provision to net charge-offs | 175.0000% | 2,617 |
| Earnings coverage of net charge-offs (x) | 21.2500% | 1,273 |
| Efficiency ratio | 81.4004% | 2,816 |
| Assets per employee ($millions) | 2.6343% | 6,987 |
| Cash dividends to net income (ytd only)* | 48.7179% | 2,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8110% | 2,016 |
| Loan loss allowance to noncurrent loans | 191.0714% | 1,582 |
| Noncurrent assets plus other real estate owned to assets | 0.7308% | 5,590 |
| Noncurrent loans to loans | 0.9478% | 5,331 |
| Net loans and leases to total assets | 55.0584% | 6,332 |
| Net loans and leases to deposits | 64.3360% | 6,531 |
| Net loans and leases to core deposits | 67.6363% | 7,139 |
| Total domestic deposits to total assets | 85.5794% | 2,975 |
| Equity capital to assets | 14.0979% | 1,277 |
| Core capital (leverage) ratio | 14.5675% | 1,007 |
| Tier 1 risk-based capital ratio | 23.4970% | 1,089 |
| Total risk-based capital ratio | 24.7488% | 1,065 |
| Memoranda: | ||
| Average total assets | $20,058,000 | 7,924 |
| Average earning assets | $19,189,000 | 7,881 |
| Average equity | $2,962,000 | 7,738 |
| Average total loans | $11,597,000 | 7,774 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1890% | 6,339 |
| Cost of funding earning assets | 1.0292% | 7,629 |
| Net interest margin | 4.1597% | 2,052 |
| Noninterest income to average assets | 0.6957% | 2,918 |
| Noninterest expense to average assets | 3.7033% | 1,652 |
| Loan and lease loss provision to assets | 0.0818% | 5,919 |
| Net operating income to assets | 0.8798% | 2,793 |
| Return on assets (ROA) | 0.8798% | 2,936 |
| Pretax return on assets | 0.8798% | 3,794 |
| Return on Equity (ROE) | 5.8157% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.8157% | 2,714 |
| Net charge-offs to loans | 0.1393% | 3,844 |
| Credit loss provision to net charge-offs | 100.0000% | 3,714 |
| Earnings coverage of net charge-offs (x) | 11.7500% | 1,853 |
| Efficiency ratio | 79.3860% | 2,929 |
| Assets per employee ($millions) | 2.4574% | 7,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9199% | 1,578 |
| Loan loss allowance to noncurrent loans | 163.5659% | 1,981 |
| Noncurrent assets plus other real estate owned to assets | 0.8698% | 5,016 |
| Noncurrent loans to loans | 1.1738% | 4,631 |
| Net loans and leases to total assets | 54.8298% | 6,380 |
| Net loans and leases to deposits | 64.8283% | 6,480 |
| Net loans and leases to core deposits | 68.4424% | 7,111 |
| Total domestic deposits to total assets | 84.5770% | 3,425 |
| Equity capital to assets | 15.1381% | 1,063 |
| Core capital (leverage) ratio | 14.7485% | 1,026 |
| Tier 1 risk-based capital ratio | 24.1982% | 1,056 |
| Total risk-based capital ratio | 25.4532% | 1,032 |
| Memoranda: | ||
| Average total assets | $19,550,000 | 7,993 |
| Average earning assets | $18,655,000 | 7,939 |
| Average equity | $2,957,500 | 7,800 |
| Average total loans | $11,487,000 | 7,831 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8745% | 6,163 |
| Cost of funding earning assets | 1.6237% | 7,396 |
| Net interest margin | 4.2508% | 2,114 |
| Noninterest income to average assets | 0.8346% | 2,328 |
| Noninterest expense to average assets | 3.6968% | 1,958 |
| Loan and lease loss provision to assets | 0.0410% | 6,902 |
| Net operating income to assets | 1.0496% | 2,348 |
| Return on assets (ROA) | 1.0496% | 2,246 |
| Pretax return on assets | 1.1316% | 2,912 |
| Return on Equity (ROE) | 7.0934% | 3,481 |
| Retained earnings to average equity (ytd only) | 2.2491% | 3,812 |
| Net charge-offs to loans | 0.0317% | 6,379 |
| Credit loss provision to net charge-offs | 200.0000% | 2,433 |
| Earnings coverage of net charge-offs (x) | 57.2500% | 694 |
| Efficiency ratio | 75.9201% | 3,245 |
| Assets per employee ($millions) | 2.4301% | 7,347 |
| Cash dividends to net income (ytd only)* | 68.2927% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7607% | 1,737 |
| Loan loss allowance to noncurrent loans | 127.8788% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 4,726 |
| Noncurrent loans to loans | 1.3768% | 3,766 |
| Net loans and leases to total assets | 60.5576% | 5,830 |
| Net loans and leases to deposits | 71.5901% | 6,105 |
| Net loans and leases to core deposits | 76.6921% | 6,821 |
| Total domestic deposits to total assets | 84.5893% | 3,033 |
| Equity capital to assets | 15.1175% | 1,131 |
| Core capital (leverage) ratio | 14.7414% | 1,082 |
| Tier 1 risk-based capital ratio | 23.3382% | 1,157 |
| Total risk-based capital ratio | 24.5906% | 1,134 |
| Memoranda: | ||
| Average total assets | $19,530,600 | 8,030 |
| Average earning assets | $18,537,800 | 7,987 |
| Average equity | $2,890,000 | 7,868 |
| Average total loans | $12,611,400 | 7,796 |