Home > American State Bank of Pierre > Performance and Condition Ratios
American State Bank of Pierre, Performance and Condition Ratios
| 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 | 3.6595% | 4,976 |
| Cost of funding earning assets | 0.2227% | 5,821 |
| Net interest margin | 3.4368% | 3,953 |
| Noninterest income to average assets | 0.4269% | 3,971 |
| Noninterest expense to average assets | 2.0981% | 5,686 |
| Loan and lease loss provision to assets | 0.1098% | 2,104 |
| Net operating income to assets | 1.2637% | 1,312 |
| Return on assets (ROA) | 1.2637% | 1,363 |
| Pretax return on assets | 1.3442% | 1,937 |
| Return on Equity (ROE) | 11.9486% | 1,421 |
| Retained earnings to average equity (ytd only) | 7.3352% | 1,889 |
| Net charge-offs to loans | -0.0051% | 4,827 |
| Credit loss provision to net charge-offs | -4,500.0000% | 5,583 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6484% | 6,154 |
| Assets per employee ($millions) | 7.4719% | 639 |
| Cash dividends to net income (ytd only)* | 38.6100% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3202% | 6,603 |
| Loan loss allowance to noncurrent loans | 452.7273% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.0335% | 6,194 |
| Noncurrent loans to loans | 0.0707% | 5,928 |
| Net loans and leases to total assets | 47.1539% | 5,219 |
| Net loans and leases to deposits | 53.0105% | 5,381 |
| Net loans and leases to core deposits | 55.0593% | 5,432 |
| Total domestic deposits to total assets | 88.9519% | 1,692 |
| Equity capital to assets | 10.8036% | 2,937 |
| Core capital (leverage) ratio | 9.5897% | 4,151 |
| Tier 1 risk-based capital ratio | 15.4407% | 3,472 |
| Total risk-based capital ratio | 15.6982% | 3,989 |
| Memoranda: | ||
| Average total assets | $163,961,000 | 3,497 |
| Average earning assets | $149,092,000 | 3,522 |
| Average equity | $17,341,000 | 3,503 |
| Average total loans | $77,954,500 | 3,996 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3682% | 5,900 |
| Cost of funding earning assets | 0.2330% | 6,075 |
| Net interest margin | 3.1352% | 5,212 |
| Noninterest income to average assets | 0.4587% | 4,033 |
| Noninterest expense to average assets | 2.1187% | 5,790 |
| Loan and lease loss provision to assets | 0.1364% | 2,598 |
| Net operating income to assets | 0.9810% | 2,420 |
| Return on assets (ROA) | 0.9810% | 2,486 |
| Pretax return on assets | 1.0329% | 3,216 |
| Return on Equity (ROE) | 9.4666% | 2,337 |
| Retained earnings to average equity (ytd only) | 3.6786% | 3,603 |
| Net charge-offs to loans | 0.0912% | 3,930 |
| Credit loss provision to net charge-offs | 363.4921% | 631 |
| Earnings coverage of net charge-offs (x) | 31.1587% | 1,146 |
| Efficiency ratio | 56.5942% | 5,884 |
| Assets per employee ($millions) | 7.4337% | 623 |
| Cash dividends to net income (ytd only)* | 61.1415% | 1,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2598% | 6,696 |
| Loan loss allowance to noncurrent loans | 362.5000% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.0342% | 6,276 |
| Noncurrent loans to loans | 0.0717% | 6,004 |
| Net loans and leases to total assets | 47.6608% | 5,329 |
| Net loans and leases to deposits | 53.2746% | 5,530 |
| Net loans and leases to core deposits | 55.4402% | 5,581 |
| Total domestic deposits to total assets | 89.4626% | 1,356 |
| Equity capital to assets | 10.3479% | 3,344 |
| Core capital (leverage) ratio | 9.0213% | 4,966 |
| Tier 1 risk-based capital ratio | 14.9490% | 3,701 |
| Total risk-based capital ratio | 15.1578% | 4,297 |
| Memoranda: | ||
| Average total assets | $167,883,800 | 3,444 |
| Average earning assets | $151,506,200 | 3,476 |
| Average equity | $17,398,000 | 3,506 |
| Average total loans | $69,068,000 | 4,306 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2812% | 6,090 |
| Cost of funding earning assets | 0.2259% | 6,253 |
| Net interest margin | 3.0552% | 5,449 |
| Noninterest income to average assets | 0.4592% | 4,086 |
| Noninterest expense to average assets | 2.0366% | 5,955 |
| Loan and lease loss provision to assets | 0.0758% | 3,542 |
| Net operating income to assets | 0.9871% | 2,431 |
| Return on assets (ROA) | 0.9871% | 2,529 |
| Pretax return on assets | 1.1000% | 3,107 |
| Return on Equity (ROE) | 9.5221% | 2,386 |
| Retained earnings to average equity (ytd only) | 3.4328% | 4,242 |
| Net charge-offs to loans | 0.0399% | 4,346 |
| Credit loss provision to net charge-offs | 480.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 74.4889% | 634 |
| Efficiency ratio | 55.4164% | 5,982 |
| Assets per employee ($millions) | 7.3171% | 635 |
| Cash dividends to net income (ytd only)* | 63.9488% | 1,305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1567% | 6,802 |
| Loan loss allowance to noncurrent loans | 230.6122% | 1,759 |
| Noncurrent assets plus other real estate owned to assets | 0.0304% | 6,389 |
| Noncurrent loans to loans | 0.0680% | 6,135 |
| Net loans and leases to total assets | 44.7145% | 5,656 |
| Net loans and leases to deposits | 52.3761% | 5,681 |
| Net loans and leases to core deposits | 54.6666% | 5,716 |
| Total domestic deposits to total assets | 85.3718% | 3,553 |
| Equity capital to assets | 10.3350% | 3,465 |
| Core capital (leverage) ratio | 9.1879% | 4,854 |
| Tier 1 risk-based capital ratio | 14.9432% | 3,789 |
| Total risk-based capital ratio | 15.0616% | 4,517 |
| Memoranda: | ||
| Average total assets | $168,969,500 | 3,466 |
| Average earning assets | $152,259,750 | 3,496 |
| Average equity | $17,516,750 | 3,528 |
| Average total loans | $66,798,000 | 4,416 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1549% | 6,286 |
| Cost of funding earning assets | 0.2220% | 6,357 |
| Net interest margin | 2.9328% | 5,720 |
| Noninterest income to average assets | 0.4288% | 4,312 |
| Noninterest expense to average assets | 2.0066% | 6,033 |
| Loan and lease loss provision to assets | 0.0559% | 3,883 |
| Net operating income to assets | 0.9066% | 2,755 |
| Return on assets (ROA) | 0.9066% | 2,899 |
| Pretax return on assets | 1.0289% | 3,379 |
| Return on Equity (ROE) | 8.7367% | 2,743 |
| Retained earnings to average equity (ytd only) | 1.8192% | 5,106 |
| Net charge-offs to loans | 0.0031% | 4,861 |
| Credit loss provision to net charge-offs | 4,800.0000% | 63 |
| Earnings coverage of net charge-offs (x) | 931.0000% | 37 |
| Efficiency ratio | 56.7282% | 5,874 |
| Assets per employee ($millions) | 7.7260% | 507 |
| Cash dividends to net income (ytd only)* | 79.1774% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1255% | 6,859 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,743 |
| Noncurrent assets plus other real estate owned to assets | 0.0212% | 6,478 |
| Noncurrent loans to loans | 0.0538% | 6,229 |
| Net loans and leases to total assets | 39.3404% | 6,085 |
| Net loans and leases to deposits | 43.7873% | 6,240 |
| Net loans and leases to core deposits | 45.5067% | 6,252 |
| Total domestic deposits to total assets | 89.8443% | 1,125 |
| Equity capital to assets | 9.8845% | 4,077 |
| Core capital (leverage) ratio | 8.5260% | 5,640 |
| Tier 1 risk-based capital ratio | 16.1968% | 3,088 |
| Total risk-based capital ratio | 16.2947% | 3,716 |
| Memoranda: | ||
| Average total assets | $171,633,670 | 3,437 |
| Average earning assets | $155,823,330 | 3,462 |
| Average equity | $17,810,000 | 3,515 |
| Average total loans | $65,033,000 | 4,499 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0917% | 6,407 |
| Cost of funding earning assets | 0.2247% | 6,446 |
| Net interest margin | 2.8670% | 5,874 |
| Noninterest income to average assets | 0.4036% | 4,432 |
| Noninterest expense to average assets | 1.9761% | 6,152 |
| Loan and lease loss provision to assets | 0.0348% | 4,011 |
| Net operating income to assets | 0.8442% | 2,930 |
| Return on assets (ROA) | 0.8442% | 3,073 |
| Pretax return on assets | 0.9973% | 3,362 |
| Return on Equity (ROE) | 7.9500% | 3,004 |
| Retained earnings to average equity (ytd only) | 2.6427% | 4,697 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3631% | 5,916 |
| Assets per employee ($millions) | 7.6187% | 584 |
| Cash dividends to net income (ytd only)* | 66.7582% | 1,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0837% | 6,944 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 37.0546% | 6,218 |
| Net loans and leases to deposits | 41.7530% | 6,334 |
| Net loans and leases to core deposits | 44.2771% | 6,301 |
| Total domestic deposits to total assets | 88.7472% | 1,834 |
| Equity capital to assets | 10.8948% | 3,084 |
| Core capital (leverage) ratio | 8.3686% | 5,746 |
| Tier 1 risk-based capital ratio | 17.2413% | 2,662 |
| Total risk-based capital ratio | 17.3065% | 3,191 |
| Memoranda: | ||
| Average total assets | $172,464,000 | 3,460 |
| Average earning assets | $156,680,000 | 3,488 |
| Average equity | $18,314,500 | 3,481 |
| Average total loans | $64,073,500 | 4,564 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9630% | 6,994 |
| Cost of funding earning assets | 0.1387% | 6,945 |
| Net interest margin | 1.8243% | 6,963 |
| Noninterest income to average assets | 0.2674% | 5,545 |
| Noninterest expense to average assets | 1.3036% | 6,950 |
| Loan and lease loss provision to assets | 0.0221% | 5,624 |
| Net operating income to assets | 0.5601% | 4,429 |
| Return on assets (ROA) | 0.6408% | 4,291 |
| Pretax return on assets | 0.6969% | 4,674 |
| Return on Equity (ROE) | 6.0812% | 4,131 |
| Retained earnings to average equity (ytd only) | 4.8841% | 2,784 |
| Net charge-offs to loans | 0.2517% | 3,431 |
| Credit loss provision to net charge-offs | 22.0126% | 5,257 |
| Earnings coverage of net charge-offs (x) | 6.2956% | 2,838 |
| Efficiency ratio | 59.1265% | 5,680 |
| Assets per employee ($millions) | 8.0598% | 489 |
| Cash dividends to net income (ytd only)* | 19.6850% | 3,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0561% | 6,998 |
| 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 | 37.1935% | 6,358 |
| Net loans and leases to deposits | 41.6601% | 6,477 |
| Net loans and leases to core deposits | 44.5870% | 6,434 |
| Total domestic deposits to total assets | 89.2785% | 1,388 |
| Equity capital to assets | 10.3589% | 3,681 |
| Core capital (leverage) ratio | 8.1825% | 6,020 |
| Tier 1 risk-based capital ratio | 16.9891% | 2,659 |
| Total risk-based capital ratio | 17.0357% | 3,231 |
| Memoranda: | ||
| Average total assets | $158,559,000 | 3,644 |
| Average earning assets | $144,933,800 | 3,642 |
| Average equity | $16,707,200 | 3,673 |
| Average total loans | $63,172,800 | 4,591 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5235% | 7,134 |
| Cost of funding earning assets | 0.0983% | 7,111 |
| Net interest margin | 1.4252% | 7,114 |
| Noninterest income to average assets | 0.1785% | 6,236 |
| Noninterest expense to average assets | 0.9688% | 7,124 |
| Loan and lease loss provision to assets | 0.0173% | 5,590 |
| Net operating income to assets | 0.4707% | 4,955 |
| Return on assets (ROA) | 0.5078% | 5,079 |
| Pretax return on assets | 0.5372% | 5,353 |
| Return on Equity (ROE) | 4.7957% | 4,919 |
| Retained earnings to average equity (ytd only) | 4.7957% | 3,518 |
| Net charge-offs to loans | 0.3394% | 2,759 |
| Credit loss provision to net charge-offs | 12.5786% | 5,049 |
| Earnings coverage of net charge-offs (x) | 3.7422% | 3,535 |
| Efficiency ratio | 56.8593% | 5,937 |
| Assets per employee ($millions) | 6.9869% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0339% | 7,112 |
| 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 | 42.1668% | 6,114 |
| Net loans and leases to deposits | 48.1255% | 6,249 |
| Net loans and leases to core deposits | 51.7861% | 6,191 |
| Total domestic deposits to total assets | 87.6183% | 2,285 |
| Equity capital to assets | 11.9282% | 2,323 |
| Core capital (leverage) ratio | 8.4366% | 5,844 |
| Tier 1 risk-based capital ratio | 16.0990% | 3,217 |
| Total risk-based capital ratio | 16.1264% | 3,893 |
| Memoranda: | ||
| Average total assets | $153,869,750 | 3,755 |
| Average earning assets | $140,987,000 | 3,754 |
| Average equity | $16,292,000 | 3,773 |
| Average total loans | $62,469,250 | 4,664 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5404% | 7,227 |
| Cost of funding earning assets | 0.0368% | 7,216 |
| Net interest margin | 0.5036% | 7,225 |
| Noninterest income to average assets | 0.0741% | 6,781 |
| Noninterest expense to average assets | 0.3521% | 7,229 |
| Loan and lease loss provision to assets | 0.0065% | 5,574 |
| Net operating income to assets | 0.1663% | 6,011 |
| Return on assets (ROA) | 0.1663% | 6,182 |
| Pretax return on assets | 0.1780% | 6,181 |
| Return on Equity (ROE) | 1.6399% | 6,155 |
| Retained earnings to average equity (ytd only) | 1.6399% | 5,387 |
| Net charge-offs to loans | 0.5220% | 2,021 |
| Credit loss provision to net charge-offs | 3.1056% | 4,795 |
| Earnings coverage of net charge-offs (x) | 0.8820% | 4,607 |
| Efficiency ratio | 65.6174% | 4,595 |
| Assets per employee ($millions) | 6.9211% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0081% | 7,184 |
| 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 | 38.6774% | 6,426 |
| Net loans and leases to deposits | 44.0991% | 6,551 |
| Net loans and leases to core deposits | 47.4897% | 6,490 |
| Total domestic deposits to total assets | 87.7056% | 2,332 |
| Equity capital to assets | 11.2202% | 2,872 |
| Core capital (leverage) ratio | 8.1422% | 6,108 |
| Tier 1 risk-based capital ratio | 16.2809% | 3,011 |
| Total risk-based capital ratio | 16.2873% | 3,704 |
| Memoranda: | ||
| Average total assets | $153,922,670 | 3,773 |
| Average earning assets | $141,373,000 | 3,764 |
| Average equity | $15,611,000 | 3,865 |
| Average total loans | $61,680,000 | 4,720 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6892% | 6,453 |
| Cost of funding earning assets | 0.3161% | 6,794 |
| Net interest margin | 3.3731% | 5,228 |
| Noninterest income to average assets | 0.5050% | 3,878 |
| Noninterest expense to average assets | 2.1469% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9537% | 2,670 |
| Return on assets (ROA) | 1.1290% | 2,142 |
| Pretax return on assets | 1.7318% | 1,231 |
| Return on Equity (ROE) | 11.7907% | 1,741 |
| Retained earnings to average equity (ytd only) | -13.0609% | 6,927 |
| Net charge-offs to loans | -0.0194% | 6,176 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4872% | 5,698 |
| Assets per employee ($millions) | 6.1648% | 1,174 |
| Cash dividends to net income (ytd only)* | 210.7728% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5493% | 3,947 |
| Loan loss allowance to noncurrent loans | 157.5809% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.3809% | 5,929 |
| Noncurrent loans to loans | 0.9832% | 4,703 |
| Net loans and leases to total assets | 38.1394% | 6,483 |
| Net loans and leases to deposits | 42.1679% | 6,651 |
| Net loans and leases to core deposits | 45.0449% | 6,617 |
| Total domestic deposits to total assets | 90.4463% | 833 |
| Equity capital to assets | 9.2059% | 5,227 |
| Core capital (leverage) ratio | 9.3379% | 4,301 |
| Tier 1 risk-based capital ratio | 18.3596% | 2,183 |
| Total risk-based capital ratio | 19.5733% | 2,165 |
| Memoranda: | ||
| Average total assets | $151,291,000 | 3,847 |
| Average earning assets | $139,218,000 | 3,831 |
| Average equity | $14,486,000 | 4,103 |
| Average total loans | $61,733,000 | 4,744 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1879% | 6,089 |
| Cost of funding earning assets | 0.5214% | 6,447 |
| Net interest margin | 3.6665% | 4,446 |
| Noninterest income to average assets | 0.5696% | 3,368 |
| Noninterest expense to average assets | 2.3719% | 5,846 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0780% | 1,898 |
| Return on assets (ROA) | 1.1738% | 1,699 |
| Pretax return on assets | 1.7829% | 835 |
| Return on Equity (ROE) | 11.7240% | 1,489 |
| Retained earnings to average equity (ytd only) | 3.1140% | 4,013 |
| Net charge-offs to loans | 0.1528% | 4,915 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 23.2653% | 1,031 |
| Efficiency ratio | 59.1544% | 5,876 |
| Assets per employee ($millions) | 5.9385% | 1,277 |
| Cash dividends to net income (ytd only)* | 73.4394% | 1,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4460% | 4,258 |
| Loan loss allowance to noncurrent loans | 157.0698% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.3954% | 5,981 |
| Noncurrent loans to loans | 0.9206% | 4,852 |
| Net loans and leases to total assets | 42.3264% | 6,354 |
| Net loans and leases to deposits | 47.1782% | 6,553 |
| Net loans and leases to core deposits | 50.4638% | 6,509 |
| Total domestic deposits to total assets | 89.7160% | 1,149 |
| Equity capital to assets | 9.9580% | 4,213 |
| Core capital (leverage) ratio | 9.8302% | 3,545 |
| Tier 1 risk-based capital ratio | 18.5045% | 2,044 |
| Total risk-based capital ratio | 19.6840% | 2,031 |
| Memoranda: | ||
| Average total assets | $139,210,600 | 3,989 |
| Average earning assets | $130,614,600 | 3,916 |
| Average equity | $13,937,200 | 4,121 |
| Average total loans | $64,148,200 | 4,707 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 5,980 |
| Cost of funding earning assets | 0.5596% | 6,477 |
| Net interest margin | 3.7298% | 4,203 |
| Noninterest income to average assets | 0.5698% | 3,373 |
| Noninterest expense to average assets | 2.4134% | 5,727 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.1040% | 1,949 |
| Return on assets (ROA) | 1.1580% | 1,898 |
| Pretax return on assets | 1.7502% | 1,041 |
| Return on Equity (ROE) | 11.5500% | 1,663 |
| Retained earnings to average equity (ytd only) | -0.1069% | 5,988 |
| Net charge-offs to loans | 0.1183% | 4,842 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 30.0518% | 935 |
| Efficiency ratio | 59.1267% | 5,848 |
| Assets per employee ($millions) | 5.3016% | 1,811 |
| Cash dividends to net income (ytd only)* | 100.9254% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5205% | 4,005 |
| 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 | 47.0586% | 6,048 |
| Net loans and leases to deposits | 53.4350% | 6,257 |
| Net loans and leases to core deposits | 57.8434% | 6,139 |
| Total domestic deposits to total assets | 88.0671% | 2,005 |
| Equity capital to assets | 10.8880% | 3,251 |
| Core capital (leverage) ratio | 10.0821% | 3,334 |
| Tier 1 risk-based capital ratio | 17.2815% | 2,533 |
| Total risk-based capital ratio | 18.4686% | 2,516 |
| Memoranda: | ||
| Average total assets | $136,897,500 | 4,059 |
| Average earning assets | $128,903,500 | 3,976 |
| Average equity | $13,725,500 | 4,181 |
| Average total loans | $64,245,000 | 4,738 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2725% | 6,101 |
| Cost of funding earning assets | 0.5847% | 6,526 |
| Net interest margin | 3.6878% | 4,320 |
| Noninterest income to average assets | 0.5479% | 3,488 |
| Noninterest expense to average assets | 2.3867% | 5,882 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0963% | 1,880 |
| Return on assets (ROA) | 1.0943% | 1,975 |
| Pretax return on assets | 1.6321% | 1,197 |
| Return on Equity (ROE) | 11.2229% | 1,720 |
| Retained earnings to average equity (ytd only) | -6.5677% | 6,694 |
| Net charge-offs to loans | 0.1766% | 4,108 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 19.8421% | 1,202 |
| Efficiency ratio | 59.3458% | 5,974 |
| Assets per employee ($millions) | 5.6645% | 1,430 |
| Cash dividends to net income (ytd only)* | 158.5205% | 157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5821% | 3,768 |
| 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 | 42.3012% | 6,569 |
| Net loans and leases to deposits | 47.0784% | 6,773 |
| Net loans and leases to core deposits | 50.4336% | 6,742 |
| Total domestic deposits to total assets | 89.8526% | 1,045 |
| Equity capital to assets | 9.7894% | 4,397 |
| Core capital (leverage) ratio | 9.5296% | 3,908 |
| Tier 1 risk-based capital ratio | 16.6412% | 2,678 |
| Total risk-based capital ratio | 17.8205% | 2,664 |
| Memoranda: | ||
| Average total assets | $138,349,670 | 4,058 |
| Average earning assets | $130,320,330 | 3,976 |
| Average equity | $13,490,330 | 4,229 |
| Average total loans | $64,548,330 | 4,768 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4612% | 5,481 |
| Cost of funding earning assets | 0.6226% | 6,508 |
| Net interest margin | 3.8386% | 3,423 |
| Noninterest income to average assets | 0.5383% | 3,591 |
| Noninterest expense to average assets | 2.4401% | 5,765 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.2039% | 1,511 |
| Return on assets (ROA) | 1.0211% | 2,152 |
| Pretax return on assets | 1.4482% | 1,605 |
| Return on Equity (ROE) | 10.4931% | 1,912 |
| Retained earnings to average equity (ytd only) | -25.5863% | 7,247 |
| Net charge-offs to loans | 0.3073% | 2,814 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.4314% | 1,554 |
| Efficiency ratio | 58.8567% | 6,147 |
| Assets per employee ($millions) | 5.5338% | 1,540 |
| Cash dividends to net income (ytd only)* | 343.8395% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 3,735 |
| 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 | 43.1258% | 6,537 |
| Net loans and leases to deposits | 48.3175% | 6,735 |
| Net loans and leases to core deposits | 51.4967% | 6,704 |
| Total domestic deposits to total assets | 89.2550% | 1,610 |
| Equity capital to assets | 9.3969% | 4,576 |
| Core capital (leverage) ratio | 9.6198% | 3,637 |
| Tier 1 risk-based capital ratio | 15.2769% | 3,271 |
| Total risk-based capital ratio | 16.4001% | 3,304 |
| Memoranda: | ||
| Average total assets | $136,718,000 | 4,127 |
| Average earning assets | $128,485,500 | 4,060 |
| Average equity | $13,304,000 | 4,268 |
| Average total loans | $66,389,000 | 4,753 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 3,700 |
| Cost of funding earning assets | 0.8212% | 6,477 |
| Net interest margin | 4.3596% | 1,620 |
| Noninterest income to average assets | 0.6746% | 2,994 |
| Noninterest expense to average assets | 2.6967% | 5,001 |
| Loan and lease loss provision to assets | 0.0485% | 6,671 |
| Net operating income to assets | 1.3045% | 1,158 |
| Return on assets (ROA) | 1.3584% | 1,105 |
| Pretax return on assets | 1.9983% | 480 |
| Return on Equity (ROE) | 13.1923% | 1,041 |
| Retained earnings to average equity (ytd only) | 6.4692% | 1,570 |
| Net charge-offs to loans | 0.0253% | 6,555 |
| Credit loss provision to net charge-offs | 350.0000% | 735 |
| Earnings coverage of net charge-offs (x) | 142.1111% | 173 |
| Efficiency ratio | 57.8166% | 6,358 |
| Assets per employee ($millions) | 5.4037% | 1,672 |
| Cash dividends to net income (ytd only)* | 50.9626% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4138% | 4,452 |
| 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 | 52.6508% | 5,827 |
| Net loans and leases to deposits | 58.6793% | 6,190 |
| Net loans and leases to core deposits | 62.6013% | 6,186 |
| Total domestic deposits to total assets | 89.7263% | 1,253 |
| Equity capital to assets | 10.0731% | 3,654 |
| Core capital (leverage) ratio | 10.1658% | 2,906 |
| Tier 1 risk-based capital ratio | 17.2119% | 2,267 |
| Total risk-based capital ratio | 18.4632% | 2,231 |
| Memoranda: | ||
| Average total assets | $130,010,400 | 4,270 |
| Average earning assets | $118,977,600 | 4,256 |
| Average equity | $13,386,600 | 4,290 |
| Average total loans | $71,111,400 | 4,638 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1856% | 3,908 |
| Cost of funding earning assets | 0.8483% | 6,585 |
| Net interest margin | 4.3373% | 1,724 |
| Noninterest income to average assets | 0.6970% | 2,832 |
| Noninterest expense to average assets | 2.6130% | 5,273 |
| Loan and lease loss provision to assets | 0.0414% | 6,674 |
| Net operating income to assets | 1.3405% | 1,254 |
| Return on assets (ROA) | 1.3329% | 1,348 |
| Pretax return on assets | 1.9812% | 644 |
| Return on Equity (ROE) | 12.8717% | 1,290 |
| Retained earnings to average equity (ytd only) | 3.8705% | 3,744 |
| Net charge-offs to loans | -0.0019% | 7,176 |
| Credit loss provision to net charge-offs | -4,000.0000% | 7,172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2291% | 6,525 |
| Assets per employee ($millions) | 5.4762% | 1,645 |
| Cash dividends to net income (ytd only)* | 69.9300% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4076% | 4,420 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 52.0332% | 6,097 |
| Net loans and leases to deposits | 62.0361% | 6,112 |
| Net loans and leases to core deposits | 66.5987% | 6,073 |
| Total domestic deposits to total assets | 83.8757% | 4,197 |
| Equity capital to assets | 10.2173% | 3,858 |
| Core capital (leverage) ratio | 10.5392% | 2,647 |
| Tier 1 risk-based capital ratio | 16.3693% | 2,608 |
| Total risk-based capital ratio | 17.5977% | 2,572 |
| Memoranda: | ||
| Average total assets | $128,740,000 | 4,358 |
| Average earning assets | $117,244,750 | 4,349 |
| Average equity | $13,331,250 | 4,364 |
| Average total loans | $70,852,500 | 4,721 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2609% | 3,645 |
| Cost of funding earning assets | 0.8644% | 6,716 |
| Net interest margin | 4.3965% | 1,456 |
| Noninterest income to average assets | 0.7348% | 2,485 |
| Noninterest expense to average assets | 2.6790% | 4,996 |
| Loan and lease loss provision to assets | 0.0381% | 6,577 |
| Net operating income to assets | 1.3644% | 1,160 |
| Return on assets (ROA) | 1.3601% | 1,243 |
| Pretax return on assets | 2.0315% | 567 |
| Return on Equity (ROE) | 13.0717% | 1,225 |
| Retained earnings to average equity (ytd only) | -0.6559% | 5,893 |
| Net charge-offs to loans | -0.0085% | 7,174 |
| Credit loss provision to net charge-offs | -800.0000% | 6,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3418% | 6,596 |
| Assets per employee ($millions) | 5.1042% | 2,041 |
| Cash dividends to net income (ytd only)* | 105.0175% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 4,340 |
| Loan loss allowance to noncurrent loans | 11,144.4444% | 38 |
| Noncurrent assets plus other real estate owned to assets | 0.0071% | 7,402 |
| Noncurrent loans to loans | 0.0127% | 7,300 |
| Net loans and leases to total assets | 54.6017% | 5,901 |
| Net loans and leases to deposits | 61.1828% | 6,292 |
| Net loans and leases to core deposits | 67.3664% | 6,110 |
| Total domestic deposits to total assets | 89.2435% | 1,309 |
| Equity capital to assets | 10.4258% | 3,499 |
| Core capital (leverage) ratio | 10.1127% | 3,046 |
| Tier 1 risk-based capital ratio | 16.3769% | 2,526 |
| Total risk-based capital ratio | 17.6286% | 2,466 |
| Memoranda: | ||
| Average total assets | $126,018,330 | 4,447 |
| Average earning assets | $115,228,000 | 4,434 |
| Average equity | $13,112,330 | 4,411 |
| Average total loans | $70,385,670 | 4,784 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3545% | 3,275 |
| Cost of funding earning assets | 0.8588% | 6,904 |
| Net interest margin | 4.4957% | 1,153 |
| Noninterest income to average assets | 0.6772% | 2,760 |
| Noninterest expense to average assets | 2.7151% | 4,833 |
| Loan and lease loss provision to assets | 0.0511% | 6,150 |
| Net operating income to assets | 1.3256% | 1,233 |
| Return on assets (ROA) | 1.3256% | 1,307 |
| Pretax return on assets | 1.9741% | 638 |
| Return on Equity (ROE) | 12.7530% | 1,311 |
| Retained earnings to average equity (ytd only) | -14.9042% | 7,207 |
| Net charge-offs to loans | -0.0057% | 6,822 |
| Credit loss provision to net charge-offs | -1,600.0000% | 6,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2776% | 6,594 |
| Assets per employee ($millions) | 4.7964% | 2,514 |
| Cash dividends to net income (ytd only)* | 216.8675% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4610% | 4,128 |
| 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 | 53.7059% | 6,064 |
| Net loans and leases to deposits | 60.1466% | 6,452 |
| Net loans and leases to core deposits | 66.1776% | 6,272 |
| Total domestic deposits to total assets | 89.2917% | 1,370 |
| Equity capital to assets | 10.2937% | 3,481 |
| Core capital (leverage) ratio | 10.1486% | 2,983 |
| Tier 1 risk-based capital ratio | 16.1127% | 2,612 |
| Total risk-based capital ratio | 17.3744% | 2,558 |
| Memoranda: | ||
| Average total assets | $125,224,500 | 4,516 |
| Average earning assets | $113,176,000 | 4,537 |
| Average equity | $13,016,500 | 4,469 |
| Average total loans | $70,239,500 | 4,853 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7758% | 2,761 |
| Cost of funding earning assets | 1.0407% | 7,121 |
| Net interest margin | 4.7351% | 787 |
| Noninterest income to average assets | 0.8251% | 2,284 |
| Noninterest expense to average assets | 2.9405% | 4,382 |
| Loan and lease loss provision to assets | 0.0958% | 6,653 |
| Net operating income to assets | 1.3741% | 891 |
| Return on assets (ROA) | 1.3752% | 943 |
| Pretax return on assets | 2.0453% | 374 |
| Return on Equity (ROE) | 13.1888% | 918 |
| Retained earnings to average equity (ytd only) | 5.9949% | 1,346 |
| Net charge-offs to loans | -0.0013% | 7,685 |
| Credit loss provision to net charge-offs | -11,500.0000% | 7,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8835% | 6,781 |
| Assets per employee ($millions) | 4.8362% | 2,430 |
| Cash dividends to net income (ytd only)* | 54.5455% | 2,251 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3460% | 4,505 |
| 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 | 56.8903% | 5,839 |
| Net loans and leases to deposits | 63.7777% | 6,298 |
| Net loans and leases to core deposits | 83.4218% | 5,775 |
| Total domestic deposits to total assets | 89.2009% | 1,387 |
| Equity capital to assets | 10.4945% | 3,187 |
| Core capital (leverage) ratio | 10.7490% | 2,386 |
| Tier 1 risk-based capital ratio | 16.0402% | 2,506 |
| Total risk-based capital ratio | 17.2294% | 2,462 |
| Memoranda: | ||
| Average total assets | $119,980,400 | 4,564 |
| Average earning assets | $107,812,000 | 4,635 |
| Average equity | $12,510,600 | 4,631 |
| Average total loans | $74,751,400 | 4,697 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8731% | 2,570 |
| Cost of funding earning assets | 1.0795% | 7,220 |
| Net interest margin | 4.7935% | 692 |
| Noninterest income to average assets | 0.8053% | 2,400 |
| Noninterest expense to average assets | 2.8558% | 4,639 |
| Loan and lease loss provision to assets | 0.0956% | 6,410 |
| Net operating income to assets | 1.4393% | 946 |
| Return on assets (ROA) | 1.4408% | 998 |
| Pretax return on assets | 2.1663% | 384 |
| Return on Equity (ROE) | 13.8417% | 964 |
| Retained earnings to average equity (ytd only) | 4.1169% | 2,976 |
| Net charge-offs to loans | 0.0053% | 6,889 |
| Credit loss provision to net charge-offs | 2,833.3333% | 145 |
| Earnings coverage of net charge-offs (x) | 669.6500% | 38 |
| Efficiency ratio | 55.8267% | 7,026 |
| Assets per employee ($millions) | 4.5909% | 2,710 |
| Cash dividends to net income (ytd only)* | 70.2575% | 1,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 4,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1089% | 7,277 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 60.2468% | 5,546 |
| Net loans and leases to deposits | 67.8668% | 6,135 |
| Net loans and leases to core deposits | 90.6927% | 5,374 |
| Total domestic deposits to total assets | 88.7722% | 1,303 |
| Equity capital to assets | 10.7989% | 3,209 |
| Core capital (leverage) ratio | 10.9622% | 2,428 |
| Tier 1 risk-based capital ratio | 15.7358% | 2,723 |
| Total risk-based capital ratio | 16.8942% | 2,697 |
| Memoranda: | ||
| Average total assets | $118,540,000 | 4,636 |
| Average earning assets | $106,585,750 | 4,686 |
| Average equity | $12,339,250 | 4,703 |
| Average total loans | $75,311,500 | 4,723 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8803% | 2,672 |
| Cost of funding earning assets | 1.1242% | 7,316 |
| Net interest margin | 4.7561% | 721 |
| Noninterest income to average assets | 0.7390% | 2,765 |
| Noninterest expense to average assets | 2.8157% | 4,892 |
| Loan and lease loss provision to assets | 0.0761% | 6,427 |
| Net operating income to assets | 1.4200% | 977 |
| Return on assets (ROA) | 1.4222% | 1,042 |
| Pretax return on assets | 2.1291% | 406 |
| Return on Equity (ROE) | 13.8372% | 1,024 |
| Retained earnings to average equity (ytd only) | -0.9707% | 5,476 |
| Net charge-offs to loans | -0.0289% | 7,771 |
| Credit loss provision to net charge-offs | -409.0909% | 7,040 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1173% | 7,107 |
| Assets per employee ($millions) | 4.5113% | 2,757 |
| Cash dividends to net income (ytd only)* | 107.0155% | 636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2423% | 4,658 |
| Loan loss allowance to noncurrent loans | 298.3713% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 0.3905% | 6,488 |
| Noncurrent loans to loans | 0.4163% | 6,468 |
| Net loans and leases to total assets | 62.0836% | 5,348 |
| Net loans and leases to deposits | 69.5953% | 6,031 |
| Net loans and leases to core deposits | 91.0228% | 5,447 |
| Total domestic deposits to total assets | 89.2067% | 1,166 |
| Equity capital to assets | 10.4216% | 3,498 |
| Core capital (leverage) ratio | 10.2459% | 3,047 |
| Tier 1 risk-based capital ratio | 15.1333% | 2,968 |
| Total risk-based capital ratio | 16.2551% | 2,958 |
| Memoranda: | ||
| Average total assets | $118,265,330 | 4,682 |
| Average earning assets | $106,390,000 | 4,712 |
| Average equity | $12,155,670 | 4,770 |
| Average total loans | $76,130,330 | 4,729 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8782% | 2,901 |
| Cost of funding earning assets | 1.1539% | 7,406 |
| Net interest margin | 4.7243% | 732 |
| Noninterest income to average assets | 0.6804% | 3,001 |
| Noninterest expense to average assets | 2.6745% | 5,127 |
| Loan and lease loss provision to assets | 0.1516% | 4,988 |
| Net operating income to assets | 1.3979% | 1,143 |
| Return on assets (ROA) | 1.3979% | 1,232 |
| Pretax return on assets | 2.1019% | 538 |
| Return on Equity (ROE) | 13.6947% | 1,228 |
| Retained earnings to average equity (ytd only) | -16.0046% | 7,491 |
| Net charge-offs to loans | 0.0103% | 5,489 |
| Credit loss provision to net charge-offs | 2,250.0000% | 288 |
| Earnings coverage of net charge-offs (x) | 334.5000% | 119 |
| Efficiency ratio | 54.2720% | 7,196 |
| Assets per employee ($millions) | 4.5168% | 2,692 |
| Cash dividends to net income (ytd only)* | 216.8675% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 4,772 |
| Loan loss allowance to noncurrent loans | 645.0000% | 558 |
| Noncurrent assets plus other real estate owned to assets | 0.2597% | 6,730 |
| Noncurrent loans to loans | 0.1868% | 6,996 |
| Net loans and leases to total assets | 63.0469% | 5,153 |
| Net loans and leases to deposits | 70.6000% | 5,924 |
| Net loans and leases to core deposits | 93.1216% | 5,243 |
| Total domestic deposits to total assets | 89.3016% | 1,100 |
| Equity capital to assets | 10.1867% | 3,776 |
| Core capital (leverage) ratio | 10.2433% | 3,159 |
| Tier 1 risk-based capital ratio | 14.5192% | 3,301 |
| Total risk-based capital ratio | 15.6182% | 3,307 |
| Memoranda: | ||
| Average total assets | $118,750,500 | 4,686 |
| Average earning assets | $106,766,500 | 4,725 |
| Average equity | $12,121,500 | 4,804 |
| Average total loans | $77,327,000 | 4,708 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8673% | 1,495 |
| Cost of funding earning assets | 1.7814% | 7,056 |
| Net interest margin | 5.0859% | 420 |
| Noninterest income to average assets | 0.8717% | 2,096 |
| Noninterest expense to average assets | 3.3364% | 2,849 |
| Loan and lease loss provision to assets | 0.2109% | 4,787 |
| Net operating income to assets | 1.3910% | 1,251 |
| Return on assets (ROA) | 1.3910% | 1,198 |
| Pretax return on assets | 1.9279% | 724 |
| Return on Equity (ROE) | 13.3429% | 1,252 |
| Retained earnings to average equity (ytd only) | 4.4926% | 2,334 |
| Net charge-offs to loans | 0.2886% | 3,480 |
| Credit loss provision to net charge-offs | 105.2632% | 5,084 |
| Earnings coverage of net charge-offs (x) | 10.6754% | 2,477 |
| Efficiency ratio | 60.9372% | 6,174 |
| Assets per employee ($millions) | 4.6178% | 2,451 |
| Cash dividends to net income (ytd only)* | 66.3298% | 2,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 5,424 |
| Loan loss allowance to noncurrent loans | 427.8607% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 6,901 |
| Noncurrent loans to loans | 0.2522% | 6,629 |
| Net loans and leases to total assets | 65.6739% | 4,915 |
| Net loans and leases to deposits | 73.7792% | 5,870 |
| Net loans and leases to core deposits | 95.0802% | 5,341 |
| Total domestic deposits to total assets | 89.0141% | 1,036 |
| Equity capital to assets | 10.2280% | 3,771 |
| Core capital (leverage) ratio | 10.2775% | 3,190 |
| Tier 1 risk-based capital ratio | 14.2906% | 3,401 |
| Total risk-based capital ratio | 15.2806% | 3,453 |
| Memoranda: | ||
| Average total assets | $113,804,200 | 4,671 |
| Average earning assets | $103,010,000 | 4,712 |
| Average equity | $11,864,000 | 4,865 |
| Average total loans | $79,009,200 | 4,552 |