Home > Bank of Maringouin > Performance and Condition Ratios
Bank of Maringouin, Performance and Condition Ratios
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9637% | 6,083 |
| Cost of funding earning assets | 0.1736% | 5,953 |
| Net interest margin | 2.7901% | 5,825 |
| Noninterest income to average assets | 0.7073% | 2,268 |
| Noninterest expense to average assets | 2.6797% | 3,941 |
| Loan and lease loss provision to assets | 0.0690% | 3,101 |
| Net operating income to assets | 0.3304% | 5,442 |
| Return on assets (ROA) | -0.0112% | 6,117 |
| Pretax return on assets | 0.0634% | 6,031 |
| Return on Equity (ROE) | -0.1118% | 6,118 |
| Retained earnings to average equity (ytd only) | -1.9743% | 6,010 |
| Net charge-offs to loans | 0.1219% | 2,811 |
| Credit loss provision to net charge-offs | 154.1667% | 1,575 |
| Earnings coverage of net charge-offs (x) | 14.8750% | 2,121 |
| Efficiency ratio | 79.7546% | 1,971 |
| Assets per employee ($millions) | 4.7106% | 2,714 |
| Cash dividends to net income (ytd only)* | -1,666.6667% | 6,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2301% | 6,407 |
| Loan loss allowance to noncurrent loans | 8.8993% | 5,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7554% | 3,322 |
| Noncurrent loans to loans | 2.5855% | 967 |
| Net loans and leases to total assets | 29.1489% | 6,202 |
| Net loans and leases to deposits | 32.2043% | 6,256 |
| Net loans and leases to core deposits | 32.5562% | 6,269 |
| Total domestic deposits to total assets | 90.5125% | 535 |
| Equity capital to assets | 9.4557% | 4,773 |
| Core capital (leverage) ratio | 9.7230% | 3,940 |
| Tier 1 risk-based capital ratio | 22.2875% | 1,181 |
| Total risk-based capital ratio | 22.4578% | 1,333 |
| Memoranda: | ||
| Average total assets | $53,587,400 | 5,706 |
| Average earning assets | $50,679,800 | 5,653 |
| Average equity | $5,369,000 | 5,771 |
| Average total loans | $19,690,200 | 5,973 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1275% | 5,991 |
| Cost of funding earning assets | 0.1761% | 6,026 |
| Net interest margin | 2.9514% | 5,599 |
| Noninterest income to average assets | 0.4894% | 3,616 |
| Noninterest expense to average assets | 2.8002% | 3,456 |
| Loan and lease loss provision to assets | 0.0328% | 3,752 |
| Net operating income to assets | 0.4465% | 5,086 |
| Return on assets (ROA) | -0.2750% | 6,298 |
| Pretax return on assets | -0.2750% | 6,281 |
| Return on Equity (ROE) | -2.7038% | 6,307 |
| Retained earnings to average equity (ytd only) | -5.1844% | 6,264 |
| Net charge-offs to loans | 0.1562% | 2,245 |
| Credit loss provision to net charge-offs | 54.1667% | 3,040 |
| Earnings coverage of net charge-offs (x) | 7.9166% | 2,873 |
| Efficiency ratio | 85.3846% | 1,246 |
| Assets per employee ($millions) | 3.8645% | 4,157 |
| Cash dividends to net income (ytd only)* | -91.7429% | 6,577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0748% | 6,519 |
| Loan loss allowance to noncurrent loans | 3.3413% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 0.8340% | 3,336 |
| Noncurrent loans to loans | 2.2393% | 1,353 |
| Net loans and leases to total assets | 37.2161% | 5,980 |
| Net loans and leases to deposits | 41.5157% | 6,072 |
| Net loans and leases to core deposits | 42.0308% | 6,115 |
| Total domestic deposits to total assets | 89.6435% | 912 |
| Equity capital to assets | 10.2012% | 3,932 |
| Core capital (leverage) ratio | 9.4663% | 4,419 |
| Tier 1 risk-based capital ratio | 20.9960% | 1,454 |
| Total risk-based capital ratio | 21.0572% | 1,686 |
| Memoranda: | ||
| Average total assets | $52,852,500 | 5,787 |
| Average earning assets | $49,963,500 | 5,742 |
| Average equity | $5,375,000 | 5,830 |
| Average total loans | $20,484,000 | 6,004 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2011% | 5,952 |
| Cost of funding earning assets | 0.1722% | 6,120 |
| Net interest margin | 3.0289% | 5,448 |
| Noninterest income to average assets | 0.4691% | 3,727 |
| Noninterest expense to average assets | 2.7474% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6031% | 4,344 |
| Return on assets (ROA) | 0.6031% | 4,441 |
| Pretax return on assets | 0.6031% | 4,947 |
| Return on Equity (ROE) | 5.9359% | 4,184 |
| Retained earnings to average equity (ytd only) | 2.2718% | 4,752 |
| Net charge-offs to loans | 0.2278% | 1,677 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.7500% | 2,728 |
| Efficiency ratio | 82.0000% | 1,747 |
| Assets per employee ($millions) | 3.9972% | 3,844 |
| Cash dividends to net income (ytd only)* | 61.7284% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 2,511 |
| Loan loss allowance to noncurrent loans | 78.6848% | 4,239 |
| Noncurrent assets plus other real estate owned to assets | 0.8487% | 3,426 |
| Noncurrent loans to loans | 2.0187% | 1,677 |
| Net loans and leases to total assets | 41.3737% | 5,718 |
| Net loans and leases to deposits | 46.4432% | 5,858 |
| Net loans and leases to core deposits | 47.0037% | 5,951 |
| Total domestic deposits to total assets | 89.0845% | 1,311 |
| Equity capital to assets | 10.7884% | 3,105 |
| Core capital (leverage) ratio | 11.0158% | 2,414 |
| Tier 1 risk-based capital ratio | 21.8782% | 1,276 |
| Total risk-based capital ratio | 23.1280% | 1,251 |
| Memoranda: | ||
| Average total assets | $53,723,670 | 5,815 |
| Average earning assets | $51,107,330 | 5,750 |
| Average equity | $5,458,330 | 5,845 |
| Average total loans | $21,075,000 | 6,028 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0144% | 6,230 |
| Cost of funding earning assets | 0.1692% | 6,234 |
| Net interest margin | 2.8452% | 5,855 |
| Noninterest income to average assets | 0.4615% | 3,700 |
| Noninterest expense to average assets | 2.8057% | 3,540 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3663% | 5,251 |
| Return on assets (ROA) | 0.3663% | 5,314 |
| Pretax return on assets | 0.3663% | 5,552 |
| Return on Equity (ROE) | 3.7144% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.7144% | 3,905 |
| Net charge-offs to loans | -0.0387% | 5,702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4527% | 1,181 |
| Assets per employee ($millions) | 3.8594% | 4,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7786% | 2,109 |
| Loan loss allowance to noncurrent loans | 83.4452% | 4,077 |
| Noncurrent assets plus other real estate owned to assets | 0.8273% | 3,659 |
| Noncurrent loans to loans | 2.1314% | 1,721 |
| Net loans and leases to total assets | 38.1244% | 5,933 |
| Net loans and leases to deposits | 42.4625% | 6,056 |
| Net loans and leases to core deposits | 42.9513% | 6,122 |
| Total domestic deposits to total assets | 89.7836% | 1,188 |
| Equity capital to assets | 10.1349% | 3,676 |
| Core capital (leverage) ratio | 10.6731% | 2,736 |
| Tier 1 risk-based capital ratio | 21.9095% | 1,303 |
| Total risk-based capital ratio | 23.1597% | 1,277 |
| Memoranda: | ||
| Average total assets | $54,604,000 | 5,855 |
| Average earning assets | $52,017,000 | 5,790 |
| Average equity | $5,384,500 | 5,902 |
| Average total loans | $20,689,500 | 6,105 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2825% | 6,023 |
| Cost of funding earning assets | 0.1898% | 6,338 |
| Net interest margin | 3.0927% | 5,331 |
| Noninterest income to average assets | 0.5112% | 3,686 |
| Noninterest expense to average assets | 2.7935% | 3,748 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6375% | 4,086 |
| Return on assets (ROA) | 0.6262% | 4,241 |
| Pretax return on assets | 0.6262% | 4,784 |
| Return on Equity (ROE) | 5.9226% | 4,130 |
| Retained earnings to average equity (ytd only) | 1.8018% | 4,950 |
| Net charge-offs to loans | -0.0294% | 6,225 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4184% | 1,955 |
| Assets per employee ($millions) | 3.9412% | 3,984 |
| Cash dividends to net income (ytd only)* | 69.5783% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8229% | 1,997 |
| Loan loss allowance to noncurrent loans | 85.9122% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 0.7847% | 3,926 |
| Noncurrent loans to loans | 2.1218% | 1,854 |
| Net loans and leases to total assets | 36.3104% | 6,187 |
| Net loans and leases to deposits | 40.2220% | 6,294 |
| Net loans and leases to core deposits | 40.6728% | 6,341 |
| Total domestic deposits to total assets | 90.2749% | 929 |
| Equity capital to assets | 9.5928% | 4,295 |
| Core capital (leverage) ratio | 11.2533% | 2,155 |
| Tier 1 risk-based capital ratio | 21.7988% | 1,293 |
| Total risk-based capital ratio | 23.0500% | 1,270 |
| Memoranda: | ||
| Average total assets | $53,016,800 | 5,937 |
| Average earning assets | $50,053,000 | 5,888 |
| Average equity | $5,605,600 | 5,904 |
| Average total loans | $20,426,000 | 6,181 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3346% | 5,997 |
| Cost of funding earning assets | 0.1969% | 6,410 |
| Net interest margin | 3.1377% | 5,208 |
| Noninterest income to average assets | 0.5132% | 3,717 |
| Noninterest expense to average assets | 2.7999% | 3,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.6682% | 4,023 |
| Return on assets (ROA) | 0.6631% | 4,187 |
| Pretax return on assets | 0.6631% | 4,812 |
| Return on Equity (ROE) | 6.1225% | 4,121 |
| Retained earnings to average equity (ytd only) | 3.4015% | 4,266 |
| Net charge-offs to loans | -0.0261% | 6,130 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7326% | 2,007 |
| Assets per employee ($millions) | 3.5476% | 4,750 |
| Cash dividends to net income (ytd only)* | 44.4438% | 2,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 2,275 |
| Loan loss allowance to noncurrent loans | 84.0547% | 3,928 |
| Noncurrent assets plus other real estate owned to assets | 0.8839% | 3,915 |
| Noncurrent loans to loans | 2.1516% | 2,063 |
| Net loans and leases to total assets | 40.3375% | 6,009 |
| Net loans and leases to deposits | 45.4977% | 6,129 |
| Net loans and leases to core deposits | 45.7596% | 6,225 |
| Total domestic deposits to total assets | 88.6582% | 1,744 |
| Equity capital to assets | 10.9733% | 2,780 |
| Core capital (leverage) ratio | 11.6077% | 1,942 |
| Tier 1 risk-based capital ratio | 23.5007% | 1,070 |
| Total risk-based capital ratio | 24.7538% | 1,047 |
| Memoranda: | ||
| Average total assets | $52,476,750 | 6,023 |
| Average earning assets | $49,419,750 | 5,972 |
| Average equity | $5,683,750 | 5,951 |
| Average total loans | $20,430,750 | 6,243 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2293% | 6,193 |
| Cost of funding earning assets | 0.1986% | 6,480 |
| Net interest margin | 3.0307% | 5,494 |
| Noninterest income to average assets | 0.4943% | 3,875 |
| Noninterest expense to average assets | 2.7409% | 3,887 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6103% | 4,236 |
| Return on assets (ROA) | 0.6103% | 4,408 |
| Pretax return on assets | 0.6103% | 4,983 |
| Return on Equity (ROE) | 5.6581% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.6448% | 3,989 |
| Net charge-offs to loans | -0.0391% | 6,179 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7877% | 1,914 |
| Assets per employee ($millions) | 3.9124% | 3,994 |
| Cash dividends to net income (ytd only)* | 35.5828% | 2,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7907% | 2,461 |
| Loan loss allowance to noncurrent loans | 67.7064% | 4,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0715% | 3,595 |
| Noncurrent loans to loans | 2.6449% | 1,731 |
| Net loans and leases to total assets | 39.7888% | 6,057 |
| Net loans and leases to deposits | 44.7098% | 6,185 |
| Net loans and leases to core deposits | 44.7098% | 6,297 |
| Total domestic deposits to total assets | 88.9935% | 1,637 |
| Equity capital to assets | 10.7725% | 2,972 |
| Core capital (leverage) ratio | 10.9595% | 2,398 |
| Tier 1 risk-based capital ratio | 22.7664% | 1,171 |
| Total risk-based capital ratio | 24.0206% | 1,149 |
| Memoranda: | ||
| Average total assets | $53,413,670 | 6,039 |
| Average earning assets | $50,352,000 | 5,983 |
| Average equity | $5,761,670 | 5,983 |
| Average total loans | $20,440,000 | 6,280 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2062% | 6,290 |
| Cost of funding earning assets | 0.1946% | 6,599 |
| Net interest margin | 3.0117% | 5,534 |
| Noninterest income to average assets | 0.4754% | 3,955 |
| Noninterest expense to average assets | 2.6988% | 4,065 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6071% | 4,180 |
| Return on assets (ROA) | 0.6071% | 4,339 |
| Pretax return on assets | 0.6071% | 4,918 |
| Return on Equity (ROE) | 5.6243% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.6243% | 2,885 |
| Net charge-offs to loans | -0.0589% | 6,205 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6372% | 2,092 |
| Assets per employee ($millions) | 4.1877% | 3,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8117% | 2,580 |
| Loan loss allowance to noncurrent loans | 81.9599% | 3,887 |
| Noncurrent assets plus other real estate owned to assets | 0.8248% | 4,313 |
| Noncurrent loans to loans | 2.2105% | 2,377 |
| Net loans and leases to total assets | 36.6348% | 6,252 |
| Net loans and leases to deposits | 41.1615% | 6,371 |
| Net loans and leases to core deposits | 41.1615% | 6,431 |
| Total domestic deposits to total assets | 89.0026% | 1,680 |
| Equity capital to assets | 10.8835% | 3,095 |
| Core capital (leverage) ratio | 10.4836% | 2,803 |
| Tier 1 risk-based capital ratio | 22.0405% | 1,325 |
| Total risk-based capital ratio | 23.2941% | 1,294 |
| Memoranda: | ||
| Average total assets | $54,690,000 | 6,057 |
| Average earning assets | $51,400,000 | 6,008 |
| Average equity | $5,903,000 | 6,010 |
| Average total loans | $20,357,000 | 6,341 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6184% | 6,197 |
| Cost of funding earning assets | 0.2653% | 6,608 |
| Net interest margin | 3.3531% | 5,059 |
| Noninterest income to average assets | 0.5159% | 3,802 |
| Noninterest expense to average assets | 3.0403% | 3,132 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6238% | 4,119 |
| Return on assets (ROA) | 0.6238% | 4,382 |
| Pretax return on assets | 0.6238% | 4,916 |
| Return on Equity (ROE) | 5.4649% | 4,441 |
| Retained earnings to average equity (ytd only) | 2.3028% | 4,615 |
| Net charge-offs to loans | 0.0959% | 4,709 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 16.7368% | 1,560 |
| Efficiency ratio | 82.9764% | 1,749 |
| Assets per employee ($millions) | 3.4338% | 5,139 |
| Cash dividends to net income (ytd only)* | 57.8616% | 1,910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7890% | 2,625 |
| Loan loss allowance to noncurrent loans | 80.3965% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 0.8264% | 4,411 |
| Noncurrent loans to loans | 2.2253% | 2,436 |
| Net loans and leases to total assets | 36.4707% | 6,397 |
| Net loans and leases to deposits | 40.9019% | 6,509 |
| Net loans and leases to core deposits | 40.9019% | 6,587 |
| Total domestic deposits to total assets | 89.1664% | 1,461 |
| Equity capital to assets | 10.7044% | 3,277 |
| Core capital (leverage) ratio | 11.2762% | 2,031 |
| Tier 1 risk-based capital ratio | 21.4031% | 1,380 |
| Total risk-based capital ratio | 22.6533% | 1,355 |
| Memoranda: | ||
| Average total assets | $50,981,400 | 6,185 |
| Average earning assets | $47,866,200 | 6,125 |
| Average equity | $5,819,000 | 6,068 |
| Average total loans | $19,802,200 | 6,436 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7202% | 6,192 |
| Cost of funding earning assets | 0.2781% | 6,706 |
| Net interest margin | 3.4421% | 4,870 |
| Noninterest income to average assets | 0.5361% | 3,703 |
| Noninterest expense to average assets | 3.1898% | 2,600 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5814% | 4,473 |
| Return on assets (ROA) | 0.5814% | 4,747 |
| Pretax return on assets | 0.5814% | 5,228 |
| Return on Equity (ROE) | 5.0084% | 4,813 |
| Retained earnings to average equity (ytd only) | 2.9866% | 4,764 |
| Net charge-offs to loans | 0.1357% | 4,033 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 10.8984% | 2,134 |
| Efficiency ratio | 84.5827% | 1,521 |
| Assets per employee ($millions) | 2.8900% | 6,233 |
| Cash dividends to net income (ytd only)* | 40.3668% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8487% | 2,648 |
| Loan loss allowance to noncurrent loans | 78.1116% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 0.9485% | 4,386 |
| Noncurrent loans to loans | 2.3668% | 2,436 |
| Net loans and leases to total assets | 39.3344% | 6,333 |
| Net loans and leases to deposits | 44.9398% | 6,459 |
| Net loans and leases to core deposits | 44.9398% | 6,562 |
| Total domestic deposits to total assets | 87.5270% | 2,331 |
| Equity capital to assets | 12.1087% | 2,172 |
| Core capital (leverage) ratio | 11.5958% | 1,918 |
| Tier 1 risk-based capital ratio | 22.4103% | 1,262 |
| Total risk-based capital ratio | 23.6608% | 1,241 |
| Memoranda: | ||
| Average total assets | $49,991,750 | 6,285 |
| Average earning assets | $46,985,500 | 6,223 |
| Average equity | $5,803,500 | 6,146 |
| Average total loans | $19,652,250 | 6,527 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7033% | 6,328 |
| Cost of funding earning assets | 0.2875% | 6,774 |
| Net interest margin | 3.4159% | 5,018 |
| Noninterest income to average assets | 0.4972% | 3,941 |
| Noninterest expense to average assets | 3.2459% | 2,451 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4654% | 4,978 |
| Return on assets (ROA) | 0.4654% | 5,216 |
| Pretax return on assets | 0.4654% | 5,526 |
| Return on Equity (ROE) | 4.0660% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.0504% | 5,177 |
| Net charge-offs to loans | 0.2138% | 3,291 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 5.5714% | 2,807 |
| Efficiency ratio | 87.4598% | 1,288 |
| Assets per employee ($millions) | 2.8728% | 6,282 |
| Cash dividends to net income (ytd only)* | 49.5726% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7809% | 2,918 |
| Loan loss allowance to noncurrent loans | 77.8970% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.9542% | 4,459 |
| Noncurrent loans to loans | 2.2862% | 2,632 |
| Net loans and leases to total assets | 40.9927% | 6,271 |
| Net loans and leases to deposits | 46.6841% | 6,392 |
| Net loans and leases to core deposits | 46.6841% | 6,535 |
| Total domestic deposits to total assets | 87.8087% | 2,275 |
| Equity capital to assets | 11.9190% | 2,203 |
| Core capital (leverage) ratio | 11.1282% | 2,178 |
| Tier 1 risk-based capital ratio | 22.0210% | 1,288 |
| Total risk-based capital ratio | 23.2732% | 1,266 |
| Memoranda: | ||
| Average total assets | $50,279,000 | 6,318 |
| Average earning assets | $47,308,670 | 6,252 |
| Average equity | $5,755,000 | 6,182 |
| Average total loans | $19,640,000 | 6,581 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7041% | 6,432 |
| Cost of funding earning assets | 0.2920% | 6,867 |
| Net interest margin | 3.4121% | 5,071 |
| Noninterest income to average assets | 0.4941% | 3,946 |
| Noninterest expense to average assets | 3.1216% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5804% | 4,440 |
| Return on assets (ROA) | 0.5804% | 4,662 |
| Pretax return on assets | 0.5804% | 5,183 |
| Return on Equity (ROE) | 5.1730% | 4,705 |
| Retained earnings to average equity (ytd only) | 5.1730% | 3,458 |
| Net charge-offs to loans | 0.1868% | 2,983 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 8.2222% | 1,986 |
| Efficiency ratio | 84.3220% | 1,651 |
| Assets per employee ($millions) | 3.6185% | 4,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9606% | 2,488 |
| Loan loss allowance to noncurrent loans | 67.5676% | 4,142 |
| Noncurrent assets plus other real estate owned to assets | 1.0956% | 4,299 |
| Noncurrent loans to loans | 2.9017% | 2,227 |
| Net loans and leases to total assets | 37.0161% | 6,552 |
| Net loans and leases to deposits | 41.8478% | 6,668 |
| Net loans and leases to core deposits | 41.8478% | 6,756 |
| Total domestic deposits to total assets | 88.4542% | 2,036 |
| Equity capital to assets | 11.3622% | 2,569 |
| Core capital (leverage) ratio | 11.0025% | 2,256 |
| Tier 1 risk-based capital ratio | 22.4361% | 1,220 |
| Total risk-based capital ratio | 23.6883% | 1,196 |
| Memoranda: | ||
| Average total assets | $50,999,500 | 6,338 |
| Average earning assets | $47,947,000 | 6,279 |
| Average equity | $5,722,000 | 6,220 |
| Average total loans | $19,268,500 | 6,644 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0592% | 6,342 |
| Cost of funding earning assets | 0.4093% | 6,863 |
| Net interest margin | 3.6499% | 4,523 |
| Noninterest income to average assets | 0.5407% | 3,582 |
| Noninterest expense to average assets | 3.0197% | 3,523 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9672% | 2,334 |
| Return on assets (ROA) | 0.9672% | 2,462 |
| Pretax return on assets | 0.9672% | 3,358 |
| Return on Equity (ROE) | 8.6547% | 2,608 |
| Retained earnings to average equity (ytd only) | 1.8456% | 4,904 |
| Net charge-offs to loans | 0.5160% | 2,926 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 4.7353% | 2,994 |
| Efficiency ratio | 75.7408% | 2,923 |
| Assets per employee ($millions) | 3.6671% | 4,622 |
| Cash dividends to net income (ytd only)* | 78.6749% | 829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9784% | 2,346 |
| Loan loss allowance to noncurrent loans | 79.5031% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 0.9408% | 4,725 |
| Noncurrent loans to loans | 2.4884% | 2,640 |
| Net loans and leases to total assets | 37.0588% | 6,700 |
| Net loans and leases to deposits | 41.7502% | 6,804 |
| Net loans and leases to core deposits | 41.7502% | 6,892 |
| Total domestic deposits to total assets | 88.7631% | 1,680 |
| Equity capital to assets | 11.0791% | 2,912 |
| Core capital (leverage) ratio | 11.1976% | 2,120 |
| Tier 1 risk-based capital ratio | 21.9823% | 1,240 |
| Total risk-based capital ratio | 23.2378% | 1,209 |
| Memoranda: | ||
| Average total assets | $49,938,800 | 6,369 |
| Average earning assets | $47,152,400 | 6,286 |
| Average equity | $5,580,800 | 6,264 |
| Average total loans | $19,767,200 | 6,668 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 6,313 |
| Cost of funding earning assets | 0.4382% | 6,915 |
| Net interest margin | 3.7130% | 4,273 |
| Noninterest income to average assets | 0.5404% | 3,582 |
| Noninterest expense to average assets | 3.1028% | 3,153 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9464% | 2,544 |
| Return on assets (ROA) | 0.9384% | 2,742 |
| Pretax return on assets | 0.9384% | 3,626 |
| Return on Equity (ROE) | 8.3781% | 2,879 |
| Retained earnings to average equity (ytd only) | 3.7209% | 4,100 |
| Net charge-offs to loans | 0.6177% | 2,397 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 3.8262% | 3,283 |
| Efficiency ratio | 76.6268% | 2,740 |
| Assets per employee ($millions) | 3.4839% | 5,045 |
| Cash dividends to net income (ytd only)* | 55.5876% | 1,374 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9963% | 2,349 |
| Loan loss allowance to noncurrent loans | 78.0198% | 3,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0354% | 4,689 |
| Noncurrent loans to loans | 2.5586% | 2,705 |
| Net loans and leases to total assets | 39.6576% | 6,662 |
| Net loans and leases to deposits | 45.2172% | 6,780 |
| Net loans and leases to core deposits | 45.2172% | 6,883 |
| Total domestic deposits to total assets | 87.7048% | 2,233 |
| Equity capital to assets | 11.9262% | 2,310 |
| Core capital (leverage) ratio | 11.4375% | 2,071 |
| Tier 1 risk-based capital ratio | 22.5946% | 1,206 |
| Total risk-based capital ratio | 23.8487% | 1,179 |
| Memoranda: | ||
| Average total assets | $49,588,500 | 6,431 |
| Average earning assets | $46,861,000 | 6,349 |
| Average equity | $5,554,000 | 6,317 |
| Average total loans | $19,856,500 | 6,731 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 6,547 |
| Cost of funding earning assets | 0.4536% | 6,996 |
| Net interest margin | 3.6122% | 4,672 |
| Noninterest income to average assets | 0.4974% | 3,878 |
| Noninterest expense to average assets | 3.1408% | 3,111 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7742% | 3,178 |
| Return on assets (ROA) | 0.7621% | 3,368 |
| Pretax return on assets | 0.7621% | 4,171 |
| Return on Equity (ROE) | 6.9516% | 3,468 |
| Retained earnings to average equity (ytd only) | 1.9757% | 4,991 |
| Net charge-offs to loans | 0.9650% | 1,624 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.0104% | 3,862 |
| Efficiency ratio | 80.2254% | 2,360 |
| Assets per employee ($millions) | 3.5480% | 4,817 |
| Cash dividends to net income (ytd only)* | 71.5789% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9102% | 2,639 |
| Loan loss allowance to noncurrent loans | 71.8232% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 1.0932% | 4,702 |
| Noncurrent loans to loans | 2.6595% | 2,739 |
| Net loans and leases to total assets | 40.3185% | 6,721 |
| Net loans and leases to deposits | 45.6497% | 6,844 |
| Net loans and leases to core deposits | 45.6497% | 6,953 |
| Total domestic deposits to total assets | 88.3214% | 1,951 |
| Equity capital to assets | 11.3968% | 2,604 |
| Core capital (leverage) ratio | 10.8243% | 2,398 |
| Tier 1 risk-based capital ratio | 21.2837% | 1,370 |
| Total risk-based capital ratio | 22.5378% | 1,352 |
| Memoranda: | ||
| Average total assets | $49,859,670 | 6,481 |
| Average earning assets | $47,173,330 | 6,389 |
| Average equity | $5,466,330 | 6,380 |
| Average total loans | $19,896,330 | 6,798 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 6,725 |
| Cost of funding earning assets | 0.4651% | 7,078 |
| Net interest margin | 3.5180% | 4,925 |
| Noninterest income to average assets | 0.4965% | 3,921 |
| Noninterest expense to average assets | 3.0829% | 3,324 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7447% | 3,303 |
| Return on assets (ROA) | 0.7207% | 3,493 |
| Pretax return on assets | 0.7207% | 4,220 |
| Return on Equity (ROE) | 6.7052% | 3,530 |
| Retained earnings to average equity (ytd only) | 0.8940% | 5,469 |
| Net charge-offs to loans | 2.0778% | 611 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 0.9118% | 3,970 |
| Efficiency ratio | 80.5439% | 2,432 |
| Assets per employee ($millions) | 3.4146% | 5,206 |
| Cash dividends to net income (ytd only)* | 86.6667% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 2,528 |
| Loan loss allowance to noncurrent loans | 67.3684% | 4,048 |
| Noncurrent assets plus other real estate owned to assets | 1.1129% | 4,694 |
| Noncurrent loans to loans | 2.9028% | 2,590 |
| Net loans and leases to total assets | 37.5876% | 6,926 |
| Net loans and leases to deposits | 42.0542% | 7,019 |
| Net loans and leases to core deposits | 42.0542% | 7,109 |
| Total domestic deposits to total assets | 89.3789% | 1,543 |
| Equity capital to assets | 10.4805% | 3,199 |
| Core capital (leverage) ratio | 10.8802% | 2,284 |
| Tier 1 risk-based capital ratio | 21.1087% | 1,371 |
| Total risk-based capital ratio | 22.3619% | 1,343 |
| Memoranda: | ||
| Average total assets | $49,953,500 | 6,533 |
| Average earning assets | $47,300,000 | 6,438 |
| Average equity | $5,369,000 | 6,430 |
| Average total loans | $19,636,000 | 6,862 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8377% | 5,287 |
| Cost of funding earning assets | 0.6062% | 7,113 |
| Net interest margin | 4.2315% | 2,058 |
| Noninterest income to average assets | 0.6851% | 2,934 |
| Noninterest expense to average assets | 3.3114% | 2,705 |
| Loan and lease loss provision to assets | 0.0711% | 6,431 |
| Net operating income to assets | 1.2582% | 1,272 |
| Return on assets (ROA) | 1.2582% | 1,345 |
| Pretax return on assets | 1.2582% | 2,054 |
| Return on Equity (ROE) | 10.5172% | 1,755 |
| Retained earnings to average equity (ytd only) | -2.6473% | 6,060 |
| Net charge-offs to loans | 0.0455% | 6,351 |
| Credit loss provision to net charge-offs | 330.0000% | 781 |
| Earnings coverage of net charge-offs (x) | 61.7000% | 385 |
| Efficiency ratio | 71.3556% | 3,925 |
| Assets per employee ($millions) | 3.2459% | 5,551 |
| Cash dividends to net income (ytd only)* | 125.1712% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4750% | 1,437 |
| Loan loss allowance to noncurrent loans | 61.9898% | 4,298 |
| Noncurrent assets plus other real estate owned to assets | 1.6103% | 3,900 |
| Noncurrent loans to loans | 3.9927% | 1,819 |
| Net loans and leases to total assets | 39.3321% | 7,003 |
| Net loans and leases to deposits | 44.2908% | 7,112 |
| Net loans and leases to core deposits | 44.2908% | 7,192 |
| Total domestic deposits to total assets | 88.8042% | 1,767 |
| Equity capital to assets | 11.0294% | 2,657 |
| Core capital (leverage) ratio | 11.7055% | 1,722 |
| Tier 1 risk-based capital ratio | 21.3269% | 1,273 |
| Total risk-based capital ratio | 22.5842% | 1,246 |
| Memoranda: | ||
| Average total assets | $46,415,000 | 6,653 |
| Average earning assets | $43,388,600 | 6,603 |
| Average equity | $5,552,800 | 6,494 |
| Average total loans | $21,987,200 | 6,824 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0165% | 4,733 |
| Cost of funding earning assets | 0.6329% | 7,215 |
| Net interest margin | 4.3836% | 1,581 |
| Noninterest income to average assets | 0.6340% | 3,228 |
| Noninterest expense to average assets | 3.3182% | 2,521 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4046% | 1,094 |
| Return on assets (ROA) | 1.4046% | 1,165 |
| Pretax return on assets | 1.4046% | 1,869 |
| Return on Equity (ROE) | 11.5027% | 1,649 |
| Retained earnings to average equity (ytd only) | 1.0240% | 5,403 |
| Net charge-offs to loans | 0.0118% | 6,500 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 241.1910% | 135 |
| Efficiency ratio | 70.2586% | 4,008 |
| Assets per employee ($millions) | 3.0329% | 6,076 |
| Cash dividends to net income (ytd only)* | 91.0975% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0373% | 2,127 |
| Loan loss allowance to noncurrent loans | 75.5738% | 3,556 |
| Noncurrent assets plus other real estate owned to assets | 1.5541% | 4,116 |
| Noncurrent loans to loans | 2.6958% | 2,939 |
| Net loans and leases to total assets | 48.7262% | 6,458 |
| Net loans and leases to deposits | 55.8771% | 6,628 |
| Net loans and leases to core deposits | 55.8771% | 6,866 |
| Total domestic deposits to total assets | 87.2024% | 2,419 |
| Equity capital to assets | 12.3579% | 1,937 |
| Core capital (leverage) ratio | 12.1106% | 1,611 |
| Tier 1 risk-based capital ratio | 20.6463% | 1,418 |
| Total risk-based capital ratio | 21.9040% | 1,400 |
| Memoranda: | ||
| Average total assets | $45,846,750 | 6,746 |
| Average earning assets | $42,764,250 | 6,704 |
| Average equity | $5,598,500 | 6,567 |
| Average total loans | $22,575,000 | 6,876 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9238% | 5,294 |
| Cost of funding earning assets | 0.6469% | 7,302 |
| Net interest margin | 4.2769% | 1,864 |
| Noninterest income to average assets | 0.6309% | 3,121 |
| Noninterest expense to average assets | 3.3156% | 2,514 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.3141% | 1,272 |
| Return on assets (ROA) | 1.3141% | 1,343 |
| Pretax return on assets | 1.3141% | 2,045 |
| Return on Equity (ROE) | 10.8037% | 1,818 |
| Retained earnings to average equity (ytd only) | -2.0749% | 6,156 |
| Net charge-offs to loans | 0.0266% | 5,961 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 100.6667% | 325 |
| Efficiency ratio | 71.6165% | 3,874 |
| Assets per employee ($millions) | 3.2505% | 5,552 |
| Cash dividends to net income (ytd only)* | 119.2053% | 296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9591% | 2,281 |
| Loan loss allowance to noncurrent loans | 554.2169% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.3955% | 6,449 |
| Noncurrent loans to loans | 0.3535% | 6,527 |
| Net loans and leases to total assets | 50.5856% | 6,366 |
| Net loans and leases to deposits | 57.9761% | 6,575 |
| Net loans and leases to core deposits | 57.9761% | 6,828 |
| Total domestic deposits to total assets | 87.2525% | 2,403 |
| Equity capital to assets | 12.4596% | 1,825 |
| Core capital (leverage) ratio | 11.9809% | 1,648 |
| Tier 1 risk-based capital ratio | 20.3028% | 1,465 |
| Total risk-based capital ratio | 21.5579% | 1,433 |
| Memoranda: | ||
| Average total assets | $45,964,670 | 6,791 |
| Average earning assets | $42,975,000 | 6,738 |
| Average equity | $5,590,670 | 6,589 |
| Average total loans | $22,557,330 | 6,934 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8105% | 5,857 |
| Cost of funding earning assets | 0.6581% | 7,417 |
| Net interest margin | 4.1524% | 2,221 |
| Noninterest income to average assets | 0.6841% | 2,710 |
| Noninterest expense to average assets | 3.2645% | 2,659 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2989% | 1,300 |
| Return on assets (ROA) | 1.2989% | 1,367 |
| Pretax return on assets | 1.2989% | 2,052 |
| Return on Equity (ROE) | 10.8089% | 1,834 |
| Retained earnings to average equity (ytd only) | -9.3677% | 6,925 |
| Net charge-offs to loans | -0.2172% | 7,689 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5370% | 4,015 |
| Assets per employee ($millions) | 3.4932% | 5,046 |
| Cash dividends to net income (ytd only)* | 186.6667% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1473% | 1,860 |
| Loan loss allowance to noncurrent loans | 357.1429% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.2929% | 6,746 |
| Noncurrent loans to loans | 0.6012% | 6,102 |
| Net loans and leases to total assets | 47.6658% | 6,706 |
| Net loans and leases to deposits | 54.3173% | 6,896 |
| Net loans and leases to core deposits | 54.3173% | 7,089 |
| Total domestic deposits to total assets | 87.7543% | 2,206 |
| Equity capital to assets | 12.0695% | 2,005 |
| Core capital (leverage) ratio | 11.8167% | 1,738 |
| Tier 1 risk-based capital ratio | 19.5597% | 1,608 |
| Total risk-based capital ratio | 20.8141% | 1,575 |
| Memoranda: | ||
| Average total assets | $46,193,500 | 6,870 |
| Average earning assets | $43,156,000 | 6,815 |
| Average equity | $5,551,000 | 6,657 |
| Average total loans | $22,096,000 | 7,043 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4419% | 4,483 |
| Cost of funding earning assets | 0.6718% | 7,718 |
| Net interest margin | 4.7700% | 736 |
| Noninterest income to average assets | 0.6075% | 3,571 |
| Noninterest expense to average assets | 3.2751% | 3,103 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.8161% | 347 |
| Return on assets (ROA) | 1.8205% | 355 |
| Pretax return on assets | 1.8205% | 609 |
| Return on Equity (ROE) | 15.3722% | 617 |
| Retained earnings to average equity (ytd only) | 5.0750% | 1,782 |
| Net charge-offs to loans | 0.0573% | 6,523 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 64.1538% | 421 |
| Efficiency ratio | 64.3285% | 5,712 |
| Assets per employee ($millions) | 3.6135% | 4,755 |
| Cash dividends to net income (ytd only)* | 66.9856% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0978% | 1,833 |
| Loan loss allowance to noncurrent loans | 453.9216% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.2171% | 6,923 |
| Noncurrent loans to loans | 0.4621% | 6,337 |
| Net loans and leases to total assets | 45.9989% | 6,975 |
| Net loans and leases to deposits | 52.3564% | 7,137 |
| Net loans and leases to core deposits | 56.9351% | 7,371 |
| Total domestic deposits to total assets | 87.8574% | 2,040 |
| Equity capital to assets | 11.9659% | 2,051 |
| Core capital (leverage) ratio | 12.5521% | 1,425 |
| Tier 1 risk-based capital ratio | 20.1016% | 1,441 |
| Total risk-based capital ratio | 21.3568% | 1,406 |
| Memoranda: | ||
| Average total assets | $45,922,600 | 6,878 |
| Average earning assets | $43,165,400 | 6,807 |
| Average equity | $5,438,400 | 6,789 |
| Average total loans | $22,670,400 | 7,047 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5330% | 4,255 |
| Cost of funding earning assets | 0.6816% | 7,829 |
| Net interest margin | 4.8515% | 622 |
| Noninterest income to average assets | 0.6045% | 3,665 |
| Noninterest expense to average assets | 3.2763% | 3,004 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.9010% | 358 |
| Return on assets (ROA) | 1.9068% | 380 |
| Pretax return on assets | 1.9068% | 652 |
| Return on Equity (ROE) | 16.1446% | 634 |
| Retained earnings to average equity (ytd only) | 6.2551% | 1,825 |
| Net charge-offs to loans | 0.0584% | 6,121 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 65.1148% | 506 |
| Efficiency ratio | 63.2826% | 5,877 |
| Assets per employee ($millions) | 3.3815% | 5,200 |
| Cash dividends to net income (ytd only)* | 61.2561% | 1,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0303% | 1,729 |
| Loan loss allowance to noncurrent loans | 480.4124% | 659 |
| Noncurrent assets plus other real estate owned to assets | 0.2207% | 6,967 |
| Noncurrent loans to loans | 0.4226% | 6,489 |
| Net loans and leases to total assets | 51.1510% | 6,689 |
| Net loans and leases to deposits | 58.9503% | 6,903 |
| Net loans and leases to core deposits | 63.7340% | 7,255 |
| Total domestic deposits to total assets | 86.7698% | 2,294 |
| Equity capital to assets | 12.7889% | 1,792 |
| Core capital (leverage) ratio | 12.3617% | 1,636 |
| Tier 1 risk-based capital ratio | 21.1618% | 1,345 |
| Total risk-based capital ratio | 22.4195% | 1,329 |
| Memoranda: | ||
| Average total assets | $45,659,500 | 6,936 |
| Average earning assets | $43,037,250 | 6,863 |
| Average equity | $5,392,750 | 6,874 |
| Average total loans | $22,820,250 | 7,104 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5169% | 4,527 |
| Cost of funding earning assets | 0.6741% | 7,941 |
| Net interest margin | 4.8428% | 606 |
| Noninterest income to average assets | 0.5798% | 3,838 |
| Noninterest expense to average assets | 3.2968% | 2,972 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8518% | 412 |
| Return on assets (ROA) | 1.8518% | 447 |
| Pretax return on assets | 1.8518% | 771 |
| Return on Equity (ROE) | 16.1013% | 680 |
| Retained earnings to average equity (ytd only) | 4.0630% | 3,025 |
| Net charge-offs to loans | -0.0263% | 7,754 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0336% | 5,906 |
| Assets per employee ($millions) | 3.5442% | 4,701 |
| Cash dividends to net income (ytd only)* | 74.7664% | 1,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9501% | 1,673 |
| Loan loss allowance to noncurrent loans | 2,395.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0434% | 7,493 |
| Noncurrent loans to loans | 0.0814% | 7,323 |
| Net loans and leases to total assets | 52.2713% | 6,648 |
| Net loans and leases to deposits | 59.3685% | 6,940 |
| Net loans and leases to core deposits | 64.0753% | 7,299 |
| Total domestic deposits to total assets | 88.0456% | 1,741 |
| Equity capital to assets | 11.6484% | 2,426 |
| Core capital (leverage) ratio | 11.5740% | 2,049 |
| Tier 1 risk-based capital ratio | 19.0525% | 1,770 |
| Total risk-based capital ratio | 20.2830% | 1,725 |
| Memoranda: | ||
| Average total assets | $46,226,000 | 6,972 |
| Average earning assets | $43,611,330 | 6,898 |
| Average equity | $5,316,330 | 6,957 |
| Average total loans | $22,776,330 | 7,159 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4972% | 4,926 |
| Cost of funding earning assets | 0.6483% | 8,025 |
| Net interest margin | 4.8489% | 549 |
| Noninterest income to average assets | 0.5961% | 3,578 |
| Noninterest expense to average assets | 3.1705% | 3,109 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0129% | 341 |
| Return on assets (ROA) | 2.0129% | 390 |
| Pretax return on assets | 2.0129% | 655 |
| Return on Equity (ROE) | 17.6148% | 624 |
| Retained earnings to average equity (ytd only) | -0.5292% | 5,775 |
| Net charge-offs to loans | -0.0548% | 7,723 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1667% | 6,226 |
| Assets per employee ($millions) | 3.8108% | 4,065 |
| Cash dividends to net income (ytd only)* | 103.0043% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1755% | 1,110 |
| Loan loss allowance to noncurrent loans | 509.5745% | 686 |
| Noncurrent assets plus other real estate owned to assets | 0.2056% | 6,907 |
| Noncurrent loans to loans | 0.4269% | 6,354 |
| Net loans and leases to total assets | 47.1004% | 7,095 |
| Net loans and leases to deposits | 53.3223% | 7,326 |
| Net loans and leases to core deposits | 57.2937% | 7,552 |
| Total domestic deposits to total assets | 88.3315% | 1,561 |
| Equity capital to assets | 11.5110% | 2,581 |
| Core capital (leverage) ratio | 11.3770% | 2,226 |
| Tier 1 risk-based capital ratio | 20.1780% | 1,587 |
| Total risk-based capital ratio | 21.4365% | 1,544 |
| Memoranda: | ||
| Average total assets | $46,301,500 | 7,018 |
| Average earning assets | $43,804,000 | 6,944 |
| Average equity | $5,291,000 | 7,014 |
| Average total loans | $21,883,000 | 7,254 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1878% | 4,577 |
| Cost of funding earning assets | 1.1849% | 7,959 |
| Net interest margin | 5.0028% | 504 |
| Noninterest income to average assets | 0.6709% | 3,317 |
| Noninterest expense to average assets | 3.4646% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8817% | 452 |
| Return on assets (ROA) | 1.8817% | 441 |
| Pretax return on assets | 1.8817% | 797 |
| Return on Equity (ROE) | 15.8635% | 793 |
| Retained earnings to average equity (ytd only) | 6.5662% | 1,312 |
| Net charge-offs to loans | 0.0710% | 5,750 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 54.6000% | 720 |
| Efficiency ratio | 64.8045% | 5,371 |
| Assets per employee ($millions) | 3.3481% | 5,096 |
| Cash dividends to net income (ytd only)* | 58.6081% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1887% | 962 |
| Loan loss allowance to noncurrent loans | 1,322.2222% | 408 |
| Noncurrent assets plus other real estate owned to assets | 0.0768% | 7,261 |
| Noncurrent loans to loans | 0.1655% | 6,899 |
| Net loans and leases to total assets | 45.3822% | 7,383 |
| Net loans and leases to deposits | 51.2887% | 7,567 |
| Net loans and leases to core deposits | 54.7049% | 7,779 |
| Total domestic deposits to total assets | 88.4838% | 1,261 |
| Equity capital to assets | 11.3456% | 2,756 |
| Core capital (leverage) ratio | 11.5632% | 2,212 |
| Tier 1 risk-based capital ratio | 20.6964% | 1,507 |
| Total risk-based capital ratio | 21.9541% | 1,477 |
| Memoranda: | ||
| Average total assets | $43,525,400 | 7,053 |
| Average earning assets | $40,677,000 | 7,013 |
| Average equity | $5,162,800 | 7,094 |
| Average total loans | $21,119,000 | 7,255 |