Home > Bank of Marquette > Performance and Condition Ratios
Bank of Marquette, 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 | 3.5615% | 5,268 |
| Cost of funding earning assets | 0.4955% | 2,953 |
| Net interest margin | 3.0660% | 5,347 |
| Noninterest income to average assets | 0.3675% | 4,443 |
| Noninterest expense to average assets | 2.1415% | 5,597 |
| Loan and lease loss provision to assets | 0.0127% | 3,665 |
| Net operating income to assets | -1.3686% | 6,622 |
| Return on assets (ROA) | -1.3686% | 6,617 |
| Pretax return on assets | 0.7223% | 4,410 |
| Return on Equity (ROE) | -7.1535% | 6,517 |
| Retained earnings to average equity (ytd only) | -37.7546% | 6,645 |
| Net charge-offs to loans | -0.1491% | 6,287 |
| Credit loss provision to net charge-offs | -20.0000% | 4,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4493% | 3,059 |
| Assets per employee ($millions) | 4.2930% | 3,352 |
| Cash dividends to net income (ytd only)* | -427.7778% | 6,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7034% | 623 |
| Loan loss allowance to noncurrent loans | 33,500.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0033% | 6,333 |
| Noncurrent loans to loans | 0.0081% | 6,157 |
| Net loans and leases to total assets | 40.1218% | 5,800 |
| Net loans and leases to deposits | 49.7750% | 5,613 |
| Net loans and leases to core deposits | 51.0717% | 5,682 |
| Total domestic deposits to total assets | 80.6063% | 5,349 |
| Equity capital to assets | 19.3105% | 249 |
| Core capital (leverage) ratio | 18.7830% | 257 |
| Tier 1 risk-based capital ratio | 38.1733% | 272 |
| Total risk-based capital ratio | 39.4353% | 267 |
| Memoranda: | ||
| Average total assets | $31,566,000 | 6,424 |
| Average earning assets | $25,831,500 | 6,464 |
| Average equity | $6,039,000 | 5,736 |
| Average total loans | $13,417,500 | 6,402 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7036% | 5,124 |
| Cost of funding earning assets | 0.5688% | 2,936 |
| Net interest margin | 3.1348% | 5,214 |
| Noninterest income to average assets | 0.3354% | 4,921 |
| Noninterest expense to average assets | 1.9200% | 6,159 |
| Loan and lease loss provision to assets | 0.0578% | 3,986 |
| Net operating income to assets | 0.8690% | 2,931 |
| Return on assets (ROA) | 0.8964% | 2,892 |
| Pretax return on assets | 1.1335% | 2,832 |
| Return on Equity (ROE) | 4.6944% | 4,782 |
| Retained earnings to average equity (ytd only) | -0.7572% | 6,020 |
| Net charge-offs to loans | -0.0571% | 6,357 |
| Credit loss provision to net charge-offs | -222.2222% | 6,001 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4060% | 5,135 |
| Assets per employee ($millions) | 4.7259% | 2,546 |
| Cash dividends to net income (ytd only)* | 116.1290% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2779% | 1,065 |
| Loan loss allowance to noncurrent loans | 10,966.6667% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 6,398 |
| Noncurrent loans to loans | 0.0208% | 6,206 |
| Net loans and leases to total assets | 42.6650% | 5,780 |
| Net loans and leases to deposits | 53.5006% | 5,509 |
| Net loans and leases to core deposits | 56.4267% | 5,501 |
| Total domestic deposits to total assets | 79.7467% | 5,507 |
| Equity capital to assets | 18.9686% | 265 |
| Core capital (leverage) ratio | 19.1351% | 232 |
| Tier 1 risk-based capital ratio | 34.0563% | 364 |
| Total risk-based capital ratio | 35.3100% | 357 |
| Memoranda: | ||
| Average total assets | $34,582,600 | 6,426 |
| Average earning assets | $30,240,800 | 6,445 |
| Average equity | $6,603,600 | 5,672 |
| Average total loans | $15,749,400 | 6,385 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6163% | 5,398 |
| Cost of funding earning assets | 0.5812% | 2,982 |
| Net interest margin | 3.0352% | 5,506 |
| Noninterest income to average assets | 0.2517% | 5,631 |
| Noninterest expense to average assets | 1.8002% | 6,337 |
| Loan and lease loss provision to assets | 0.0763% | 3,530 |
| Net operating income to assets | 0.7790% | 3,467 |
| Return on assets (ROA) | 1.0908% | 2,121 |
| Pretax return on assets | 1.4913% | 1,638 |
| Return on Equity (ROE) | 5.7035% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.7035% | 2,595 |
| Net charge-offs to loans | -0.0664% | 6,392 |
| Credit loss provision to net charge-offs | -250.0000% | 5,937 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2192% | 5,239 |
| Assets per employee ($millions) | 4.9730% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0926% | 1,523 |
| Loan loss allowance to noncurrent loans | 863.1579% | 544 |
| Noncurrent assets plus other real estate owned to assets | 0.7095% | 4,329 |
| Noncurrent loans to loans | 0.2424% | 5,628 |
| Net loans and leases to total assets | 44.0838% | 5,723 |
| Net loans and leases to deposits | 55.3827% | 5,422 |
| Net loans and leases to core deposits | 61.3766% | 5,176 |
| Total domestic deposits to total assets | 79.5984% | 5,608 |
| Equity capital to assets | 19.0371% | 251 |
| Core capital (leverage) ratio | 19.3709% | 223 |
| Tier 1 risk-based capital ratio | 30.3142% | 502 |
| Total risk-based capital ratio | 31.5672% | 500 |
| Memoranda: | ||
| Average total assets | $34,958,000 | 6,485 |
| Average earning assets | $30,969,750 | 6,492 |
| Average equity | $6,685,750 | 5,720 |
| Average total loans | $16,076,000 | 6,432 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6221% | 5,369 |
| Cost of funding earning assets | 0.5983% | 2,962 |
| Net interest margin | 3.0238% | 5,509 |
| Noninterest income to average assets | 0.2514% | 5,648 |
| Noninterest expense to average assets | 1.8225% | 6,339 |
| Loan and lease loss provision to assets | 0.1143% | 2,908 |
| Net operating income to assets | 0.7327% | 3,656 |
| Return on assets (ROA) | 1.1998% | 1,704 |
| Pretax return on assets | 1.6397% | 1,253 |
| Return on Equity (ROE) | 6.2637% | 4,006 |
| Retained earnings to average equity (ytd only) | 6.2637% | 2,283 |
| Net charge-offs to loans | -0.0494% | 6,263 |
| Credit loss provision to net charge-offs | -500.0000% | 5,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0623% | 5,160 |
| Assets per employee ($millions) | 4.9756% | 2,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0502% | 1,740 |
| Loan loss allowance to noncurrent loans | 149.3088% | 2,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2231% | 3,309 |
| Noncurrent loans to loans | 1.3732% | 3,255 |
| Net loans and leases to total assets | 44.4428% | 5,701 |
| Net loans and leases to deposits | 55.7039% | 5,372 |
| Net loans and leases to core deposits | 61.0949% | 5,167 |
| Total domestic deposits to total assets | 79.7841% | 5,654 |
| Equity capital to assets | 18.8349% | 262 |
| Core capital (leverage) ratio | 19.0625% | 229 |
| Tier 1 risk-based capital ratio | 29.9205% | 526 |
| Total risk-based capital ratio | 31.1713% | 521 |
| Memoranda: | ||
| Average total assets | $35,007,000 | 6,531 |
| Average earning assets | $31,087,000 | 6,534 |
| Average equity | $6,705,330 | 5,756 |
| Average total loans | $16,210,000 | 6,462 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5682% | 5,533 |
| Cost of funding earning assets | 0.6033% | 3,081 |
| Net interest margin | 2.9649% | 5,664 |
| Noninterest income to average assets | 0.2507% | 5,666 |
| Noninterest expense to average assets | 1.7552% | 6,490 |
| Loan and lease loss provision to assets | 0.2279% | 1,612 |
| Net operating income to assets | 0.6323% | 4,069 |
| Return on assets (ROA) | 1.5386% | 861 |
| Pretax return on assets | 2.1769% | 434 |
| Return on Equity (ROE) | 7.9670% | 2,987 |
| Retained earnings to average equity (ytd only) | 7.9670% | 1,760 |
| Net charge-offs to loans | -0.0975% | 6,433 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8696% | 5,464 |
| Assets per employee ($millions) | 5.0909% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0412% | 1,937 |
| Loan loss allowance to noncurrent loans | 32,400.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 4,918 |
| Noncurrent loans to loans | 0.0063% | 6,493 |
| Net loans and leases to total assets | 43.6328% | 5,701 |
| Net loans and leases to deposits | 54.8601% | 5,366 |
| Net loans and leases to core deposits | 60.6364% | 5,082 |
| Total domestic deposits to total assets | 79.5347% | 5,863 |
| Equity capital to assets | 19.0650% | 261 |
| Core capital (leverage) ratio | 18.7514% | 247 |
| Tier 1 risk-based capital ratio | 29.0241% | 582 |
| Total risk-based capital ratio | 30.2774% | 573 |
| Memoranda: | ||
| Average total assets | $35,096,000 | 6,591 |
| Average earning assets | $31,164,500 | 6,593 |
| Average equity | $6,778,000 | 5,798 |
| Average total loans | $16,413,500 | 6,510 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 4,711 |
| Cost of funding earning assets | 0.7123% | 3,391 |
| Net interest margin | 3.4523% | 4,695 |
| Noninterest income to average assets | 0.3349% | 5,061 |
| Noninterest expense to average assets | 2.0888% | 6,150 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0594% | 2,088 |
| Return on assets (ROA) | 1.3337% | 1,356 |
| Pretax return on assets | 1.6777% | 1,189 |
| Return on Equity (ROE) | 6.5367% | 3,892 |
| Retained earnings to average equity (ytd only) | 3.5519% | 3,716 |
| Net charge-offs to loans | -0.1132% | 6,850 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0864% | 5,374 |
| Assets per employee ($millions) | 4.9366% | 2,309 |
| Cash dividends to net income (ytd only)* | 45.6621% | 2,551 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7695% | 2,691 |
| Loan loss allowance to noncurrent loans | 76.9231% | 4,011 |
| Noncurrent assets plus other real estate owned to assets | 1.7334% | 2,793 |
| Noncurrent loans to loans | 2.3003% | 2,351 |
| Net loans and leases to total assets | 48.1942% | 5,396 |
| Net loans and leases to deposits | 60.9568% | 4,917 |
| Net loans and leases to core deposits | 67.6277% | 4,581 |
| Total domestic deposits to total assets | 79.0630% | 5,873 |
| Equity capital to assets | 19.5682% | 243 |
| Core capital (leverage) ratio | 19.4135% | 217 |
| Tier 1 risk-based capital ratio | 31.4982% | 450 |
| Total risk-based capital ratio | 32.7508% | 442 |
| Memoranda: | ||
| Average total assets | $32,841,800 | 6,686 |
| Average earning assets | $29,343,000 | 6,681 |
| Average equity | $6,700,600 | 5,848 |
| Average total loans | $15,902,200 | 6,605 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2157% | 4,763 |
| Cost of funding earning assets | 0.7294% | 3,525 |
| Net interest margin | 3.4863% | 4,697 |
| Noninterest income to average assets | 0.3743% | 4,834 |
| Noninterest expense to average assets | 2.0361% | 6,297 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1416% | 1,945 |
| Return on assets (ROA) | 1.3533% | 1,465 |
| Pretax return on assets | 1.7359% | 1,190 |
| Return on Equity (ROE) | 6.5616% | 4,035 |
| Retained earnings to average equity (ytd only) | 6.5616% | 2,351 |
| Net charge-offs to loans | -0.1790% | 6,968 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1669% | 5,767 |
| Assets per employee ($millions) | 5.6168% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9351% | 2,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6202% | 5,124 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 45.5624% | 5,812 |
| Net loans and leases to deposits | 60.3198% | 5,167 |
| Net loans and leases to core deposits | 66.7145% | 4,875 |
| Total domestic deposits to total assets | 75.5349% | 6,449 |
| Equity capital to assets | 20.4237% | 228 |
| Core capital (leverage) ratio | 19.8677% | 211 |
| Tier 1 risk-based capital ratio | 33.9931% | 389 |
| Total risk-based capital ratio | 35.2488% | 381 |
| Memoranda: | ||
| Average total assets | $32,413,250 | 6,782 |
| Average earning assets | $29,065,250 | 6,774 |
| Average equity | $6,685,250 | 5,916 |
| Average total loans | $15,639,250 | 6,709 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2023% | 4,943 |
| Cost of funding earning assets | 0.7399% | 3,688 |
| Net interest margin | 3.4624% | 4,834 |
| Noninterest income to average assets | 0.3752% | 4,834 |
| Noninterest expense to average assets | 2.1386% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0413% | 2,292 |
| Return on assets (ROA) | 1.3632% | 1,432 |
| Pretax return on assets | 1.7509% | 1,134 |
| Return on Equity (ROE) | 6.5868% | 4,002 |
| Retained earnings to average equity (ytd only) | 6.5868% | 2,338 |
| Net charge-offs to loans | -0.0640% | 6,737 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5108% | 5,329 |
| Assets per employee ($millions) | 5.4347% | 1,671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9264% | 2,455 |
| Loan loss allowance to noncurrent loans | 7,175.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 5,147 |
| Noncurrent loans to loans | 0.0268% | 6,625 |
| Net loans and leases to total assets | 44.8080% | 5,940 |
| Net loans and leases to deposits | 57.5939% | 5,497 |
| Net loans and leases to core deposits | 63.0246% | 5,296 |
| Total domestic deposits to total assets | 77.7999% | 6,194 |
| Equity capital to assets | 20.6544% | 216 |
| Core capital (leverage) ratio | 19.7478% | 221 |
| Tier 1 risk-based capital ratio | 35.2288% | 339 |
| Total risk-based capital ratio | 36.4815% | 331 |
| Memoranda: | ||
| Average total assets | $31,984,000 | 6,845 |
| Average earning assets | $28,650,670 | 6,833 |
| Average equity | $6,619,330 | 5,952 |
| Average total loans | $15,633,000 | 6,758 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1702% | 5,209 |
| Cost of funding earning assets | 0.7068% | 4,219 |
| Net interest margin | 3.4634% | 4,858 |
| Noninterest income to average assets | 0.3915% | 4,730 |
| Noninterest expense to average assets | 2.1470% | 6,159 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0379% | 2,334 |
| Return on assets (ROA) | 1.6797% | 833 |
| Pretax return on assets | 2.1723% | 566 |
| Return on Equity (ROE) | 8.1079% | 3,239 |
| Retained earnings to average equity (ytd only) | 8.1079% | 1,947 |
| Net charge-offs to loans | -0.0500% | 6,531 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5942% | 5,354 |
| Assets per employee ($millions) | 5.4610% | 1,729 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9054% | 2,660 |
| Loan loss allowance to noncurrent loans | 211.9403% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.6836% | 5,191 |
| Noncurrent loans to loans | 0.8990% | 4,869 |
| Net loans and leases to total assets | 44.6225% | 5,944 |
| Net loans and leases to deposits | 56.9753% | 5,490 |
| Net loans and leases to core deposits | 62.9510% | 5,226 |
| Total domestic deposits to total assets | 78.3190% | 6,220 |
| Equity capital to assets | 20.1276% | 219 |
| Core capital (leverage) ratio | 19.9537% | 208 |
| Tier 1 risk-based capital ratio | 34.9256% | 339 |
| Total risk-based capital ratio | 36.1950% | 333 |
| Memoranda: | ||
| Average total assets | $31,672,000 | 6,907 |
| Average earning assets | $28,296,000 | 6,898 |
| Average equity | $6,561,500 | 6,005 |
| Average total loans | $16,000,500 | 6,796 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8286% | 3,675 |
| Cost of funding earning assets | 0.9013% | 4,107 |
| Net interest margin | 3.9273% | 3,217 |
| Noninterest income to average assets | 0.2599% | 5,676 |
| Noninterest expense to average assets | 2.1113% | 6,472 |
| Loan and lease loss provision to assets | 0.0812% | 5,599 |
| Net operating income to assets | 1.2246% | 1,446 |
| Return on assets (ROA) | 1.2538% | 1,467 |
| Pretax return on assets | 1.6728% | 1,053 |
| Return on Equity (ROE) | 6.0812% | 3,834 |
| Retained earnings to average equity (ytd only) | 4.6161% | 2,894 |
| Net charge-offs to loans | 0.7758% | 2,216 |
| Credit loss provision to net charge-offs | 19.8413% | 5,921 |
| Earnings coverage of net charge-offs (x) | 4.1905% | 3,230 |
| Efficiency ratio | 55.1783% | 6,400 |
| Assets per employee ($millions) | 5.0963% | 2,076 |
| Cash dividends to net income (ytd only)* | 24.0933% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 3,380 |
| Loan loss allowance to noncurrent loans | 118.9873% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.7751% | 5,086 |
| Noncurrent loans to loans | 1.3863% | 4,064 |
| Net loans and leases to total assets | 54.9872% | 4,883 |
| Net loans and leases to deposits | 71.4213% | 3,881 |
| Net loans and leases to core deposits | 79.6495% | 3,492 |
| Total domestic deposits to total assets | 76.9900% | 6,342 |
| Equity capital to assets | 21.3487% | 179 |
| Core capital (leverage) ratio | 20.6155% | 175 |
| Tier 1 risk-based capital ratio | 31.3220% | 457 |
| Total risk-based capital ratio | 32.5749% | 452 |
| Memoranda: | ||
| Average total assets | $30,786,800 | 6,945 |
| Average earning assets | $27,958,200 | 6,923 |
| Average equity | $6,347,400 | 6,059 |
| Average total loans | $16,240,600 | 6,837 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8565% | 3,751 |
| Cost of funding earning assets | 0.8904% | 4,469 |
| Net interest margin | 3.9661% | 3,068 |
| Noninterest income to average assets | 0.2248% | 6,006 |
| Noninterest expense to average assets | 2.0363% | 6,618 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3110% | 1,349 |
| Return on assets (ROA) | 1.3489% | 1,357 |
| Pretax return on assets | 1.8418% | 877 |
| Return on Equity (ROE) | 6.6007% | 3,717 |
| Retained earnings to average equity (ytd only) | 6.6007% | 2,197 |
| Net charge-offs to loans | 0.7570% | 2,051 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 4.5495% | 3,028 |
| Efficiency ratio | 53.2203% | 6,572 |
| Assets per employee ($millions) | 5.1162% | 2,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8137% | 2,896 |
| Loan loss allowance to noncurrent loans | 25.1941% | 6,478 |
| Noncurrent assets plus other real estate owned to assets | 3.7756% | 1,645 |
| Noncurrent loans to loans | 7.1988% | 676 |
| Net loans and leases to total assets | 51.4969% | 5,511 |
| Net loans and leases to deposits | 69.8418% | 4,329 |
| Net loans and leases to core deposits | 77.2592% | 4,010 |
| Total domestic deposits to total assets | 73.7336% | 6,792 |
| Equity capital to assets | 21.3637% | 188 |
| Core capital (leverage) ratio | 20.7824% | 186 |
| Tier 1 risk-based capital ratio | 33.0923% | 417 |
| Total risk-based capital ratio | 34.3539% | 411 |
| Memoranda: | ||
| Average total assets | $30,839,000 | 7,013 |
| Average earning assets | $28,003,250 | 6,993 |
| Average equity | $6,302,250 | 6,112 |
| Average total loans | $16,026,750 | 6,914 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7790% | 4,178 |
| Cost of funding earning assets | 0.8670% | 4,930 |
| Net interest margin | 3.9120% | 3,252 |
| Noninterest income to average assets | 0.2137% | 6,144 |
| Noninterest expense to average assets | 2.0074% | 6,775 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2974% | 1,327 |
| Return on assets (ROA) | 1.3533% | 1,256 |
| Pretax return on assets | 1.8779% | 748 |
| Return on Equity (ROE) | 6.7235% | 3,574 |
| Retained earnings to average equity (ytd only) | 6.7235% | 2,002 |
| Net charge-offs to loans | 1.2248% | 1,281 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 2.8367% | 3,426 |
| Efficiency ratio | 52.7211% | 6,743 |
| Assets per employee ($millions) | 5.1272% | 1,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8645% | 2,785 |
| Loan loss allowance to noncurrent loans | 98.2759% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.9427% | 4,980 |
| Noncurrent loans to loans | 1.8972% | 3,612 |
| Net loans and leases to total assets | 48.7631% | 5,978 |
| Net loans and leases to deposits | 62.7867% | 5,417 |
| Net loans and leases to core deposits | 69.0590% | 5,178 |
| Total domestic deposits to total assets | 77.6647% | 6,347 |
| Equity capital to assets | 20.7262% | 226 |
| Core capital (leverage) ratio | 20.0383% | 225 |
| Tier 1 risk-based capital ratio | 34.2822% | 375 |
| Total risk-based capital ratio | 35.5388% | 364 |
| Memoranda: | ||
| Average total assets | $30,886,330 | 7,076 |
| Average earning assets | $28,374,000 | 7,048 |
| Average equity | $6,217,000 | 6,169 |
| Average total loans | $16,002,330 | 6,979 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1230% | 2,543 |
| Cost of funding earning assets | 0.8726% | 5,111 |
| Net interest margin | 4.2504% | 1,742 |
| Noninterest income to average assets | 0.2197% | 6,163 |
| Noninterest expense to average assets | 1.9646% | 6,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.5670% | 746 |
| Return on assets (ROA) | 1.6802% | 627 |
| Pretax return on assets | 2.3136% | 336 |
| Return on Equity (ROE) | 8.4725% | 2,705 |
| Retained earnings to average equity (ytd only) | 8.4725% | 1,559 |
| Net charge-offs to loans | 2.3716% | 501 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.7216% | 3,449 |
| Efficiency ratio | 47.6489% | 7,129 |
| Assets per employee ($millions) | 5.1162% | 2,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7894% | 3,044 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 6,052 |
| Noncurrent loans to loans | 0.8947% | 5,255 |
| Net loans and leases to total assets | 51.1353% | 5,697 |
| Net loans and leases to deposits | 65.5243% | 5,039 |
| Net loans and leases to core deposits | 66.8100% | 5,432 |
| Total domestic deposits to total assets | 78.0402% | 6,374 |
| Equity capital to assets | 20.2430% | 245 |
| Core capital (leverage) ratio | 20.1516% | 223 |
| Tier 1 risk-based capital ratio | 32.7153% | 411 |
| Total risk-based capital ratio | 33.9675% | 404 |
| Memoranda: | ||
| Average total assets | $30,948,000 | 7,125 |
| Average earning assets | $28,421,000 | 7,094 |
| Average equity | $6,137,500 | 6,195 |
| Average total loans | $16,360,500 | 7,015 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0192% | 4,458 |
| Cost of funding earning assets | 1.1722% | 4,716 |
| Net interest margin | 3.8469% | 3,744 |
| Noninterest income to average assets | 0.3978% | 4,925 |
| Noninterest expense to average assets | 2.1748% | 6,681 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3924% | 964 |
| Return on assets (ROA) | 1.3924% | 1,038 |
| Pretax return on assets | 1.7372% | 879 |
| Return on Equity (ROE) | 6.9011% | 3,166 |
| Retained earnings to average equity (ytd only) | 3.8285% | 3,182 |
| Net charge-offs to loans | 0.6130% | 3,198 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 5.5158% | 2,605 |
| Efficiency ratio | 55.5932% | 6,644 |
| Assets per employee ($millions) | 5.1998% | 1,860 |
| Cash dividends to net income (ytd only)* | 44.5238% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2882% | 1,714 |
| Loan loss allowance to noncurrent loans | 156.3265% | 1,903 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 5,440 |
| Noncurrent loans to loans | 1.4637% | 4,288 |
| Net loans and leases to total assets | 52.4216% | 5,860 |
| Net loans and leases to deposits | 73.5254% | 4,273 |
| Net loans and leases to core deposits | 75.9461% | 4,722 |
| Total domestic deposits to total assets | 71.2972% | 7,146 |
| Equity capital to assets | 19.4269% | 291 |
| Core capital (leverage) ratio | 19.5011% | 261 |
| Tier 1 risk-based capital ratio | 30.9342% | 469 |
| Total risk-based capital ratio | 31.9261% | 474 |
| Memoranda: | ||
| Average total assets | $30,164,200 | 7,201 |
| Average earning assets | $27,554,400 | 7,173 |
| Average equity | $6,086,000 | 6,331 |
| Average total loans | $15,497,400 | 7,141 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0339% | 4,661 |
| Cost of funding earning assets | 1.1974% | 4,879 |
| Net interest margin | 3.8365% | 3,812 |
| Noninterest income to average assets | 0.4592% | 4,487 |
| Noninterest expense to average assets | 2.1445% | 6,749 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4713% | 976 |
| Return on assets (ROA) | 1.4713% | 1,051 |
| Pretax return on assets | 1.8145% | 899 |
| Return on Equity (ROE) | 7.2221% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.2221% | 1,739 |
| Net charge-offs to loans | 1.0535% | 1,925 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 3.3916% | 3,474 |
| Efficiency ratio | 54.1667% | 6,775 |
| Assets per employee ($millions) | 5.0137% | 2,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2655% | 1,677 |
| Loan loss allowance to noncurrent loans | 145.5285% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 5,459 |
| Noncurrent loans to loans | 1.5568% | 4,306 |
| Net loans and leases to total assets | 51.3397% | 6,180 |
| Net loans and leases to deposits | 70.6658% | 5,056 |
| Net loans and leases to core deposits | 73.0316% | 5,400 |
| Total domestic deposits to total assets | 72.6514% | 7,068 |
| Equity capital to assets | 21.2087% | 222 |
| Core capital (leverage) ratio | 20.7241% | 218 |
| Tier 1 risk-based capital ratio | 33.5701% | 391 |
| Total risk-based capital ratio | 34.2914% | 397 |
| Memoranda: | ||
| Average total assets | $29,905,500 | 7,299 |
| Average earning assets | $27,281,250 | 7,268 |
| Average equity | $6,092,250 | 6,418 |
| Average total loans | $15,187,250 | 7,247 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0861% | 4,528 |
| Cost of funding earning assets | 1.2441% | 4,872 |
| Net interest margin | 3.8420% | 3,705 |
| Noninterest income to average assets | 0.4825% | 4,262 |
| Noninterest expense to average assets | 2.0907% | 6,935 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5345% | 839 |
| Return on assets (ROA) | 1.5345% | 900 |
| Pretax return on assets | 1.9098% | 724 |
| Return on Equity (ROE) | 7.6380% | 3,043 |
| Retained earnings to average equity (ytd only) | 7.6380% | 1,583 |
| Net charge-offs to loans | 1.2682% | 1,503 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 3.0000% | 3,499 |
| Efficiency ratio | 52.2613% | 7,039 |
| Assets per employee ($millions) | 4.8313% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4950% | 1,307 |
| Loan loss allowance to noncurrent loans | 1,196.8750% | 294 |
| Noncurrent assets plus other real estate owned to assets | 0.1104% | 7,110 |
| Noncurrent loans to loans | 0.2085% | 6,835 |
| Net loans and leases to total assets | 51.6352% | 6,250 |
| Net loans and leases to deposits | 67.1060% | 5,672 |
| Net loans and leases to core deposits | 69.3027% | 5,942 |
| Total domestic deposits to total assets | 76.9456% | 6,517 |
| Equity capital to assets | 21.2881% | 228 |
| Core capital (leverage) ratio | 20.4005% | 223 |
| Tier 1 risk-based capital ratio | 33.8936% | 378 |
| Total risk-based capital ratio | 34.8108% | 384 |
| Memoranda: | ||
| Average total assets | $29,846,670 | 7,350 |
| Average earning assets | $27,329,330 | 7,323 |
| Average equity | $5,996,330 | 6,467 |
| Average total loans | $14,982,330 | 7,312 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 4,651 |
| Cost of funding earning assets | 1.3302% | 4,626 |
| Net interest margin | 3.7448% | 4,032 |
| Noninterest income to average assets | 0.4888% | 4,135 |
| Noninterest expense to average assets | 1.9686% | 7,216 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5722% | 790 |
| Return on assets (ROA) | 1.5722% | 845 |
| Pretax return on assets | 1.9421% | 677 |
| Return on Equity (ROE) | 8.0555% | 2,857 |
| Retained earnings to average equity (ytd only) | 8.0555% | 1,685 |
| Net charge-offs to loans | -0.0270% | 7,156 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3378% | 7,290 |
| Assets per employee ($millions) | 4.9305% | 2,325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3984% | 584 |
| Loan loss allowance to noncurrent loans | 2,993.7500% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 7,353 |
| Noncurrent loans to loans | 0.1135% | 7,122 |
| Net loans and leases to total assets | 46.0264% | 6,826 |
| Net loans and leases to deposits | 59.1511% | 6,542 |
| Net loans and leases to core deposits | 62.0658% | 6,597 |
| Total domestic deposits to total assets | 77.8116% | 6,366 |
| Equity capital to assets | 20.2380% | 275 |
| Core capital (leverage) ratio | 19.2749% | 293 |
| Tier 1 risk-based capital ratio | 32.5769% | 418 |
| Total risk-based capital ratio | 33.8370% | 413 |
| Memoranda: | ||
| Average total assets | $30,276,000 | 7,433 |
| Average earning assets | $27,665,000 | 7,403 |
| Average equity | $5,909,000 | 6,554 |
| Average total loans | $14,798,000 | 7,415 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4431% | 4,477 |
| Cost of funding earning assets | 1.6140% | 4,973 |
| Net interest margin | 3.8291% | 3,584 |
| Noninterest income to average assets | 0.5090% | 4,342 |
| Noninterest expense to average assets | 2.2260% | 6,926 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3919% | 864 |
| Return on assets (ROA) | 1.4422% | 837 |
| Pretax return on assets | 1.8494% | 572 |
| Return on Equity (ROE) | 7.5275% | 2,574 |
| Retained earnings to average equity (ytd only) | 6.1991% | 1,271 |
| Net charge-offs to loans | -0.3111% | 7,930 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4992% | 7,070 |
| Assets per employee ($millions) | 5.1615% | 1,996 |
| Cash dividends to net income (ytd only)* | 17.6471% | 3,725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0837% | 727 |
| Loan loss allowance to noncurrent loans | 2,276.1905% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 7,329 |
| Noncurrent loans to loans | 0.1355% | 7,089 |
| Net loans and leases to total assets | 48.5098% | 6,769 |
| Net loans and leases to deposits | 64.6178% | 6,198 |
| Net loans and leases to core deposits | 84.2852% | 5,691 |
| Total domestic deposits to total assets | 75.0718% | 6,848 |
| Equity capital to assets | 18.8285% | 382 |
| Core capital (leverage) ratio | 18.6140% | 360 |
| Tier 1 risk-based capital ratio | 29.6411% | 545 |
| Total risk-based capital ratio | 30.9047% | 527 |
| Memoranda: | ||
| Average total assets | $29,469,400 | 7,492 |
| Average earning assets | $26,951,600 | 7,463 |
| Average equity | $5,646,000 | 6,726 |
| Average total loans | $14,466,000 | 7,479 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5329% | 4,258 |
| Cost of funding earning assets | 1.6889% | 4,955 |
| Net interest margin | 3.8440% | 3,464 |
| Noninterest income to average assets | 0.5087% | 4,415 |
| Noninterest expense to average assets | 2.1859% | 7,014 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4132% | 992 |
| Return on assets (ROA) | 1.4802% | 913 |
| Pretax return on assets | 1.9247% | 629 |
| Return on Equity (ROE) | 7.6907% | 2,772 |
| Retained earnings to average equity (ytd only) | 6.7858% | 1,595 |
| Net charge-offs to loans | -0.3942% | 8,012 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3280% | 7,203 |
| Assets per employee ($millions) | 5.0605% | 2,071 |
| Cash dividends to net income (ytd only)* | 11.7657% | 3,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0705% | 633 |
| Loan loss allowance to noncurrent loans | 1,900.0000% | 202 |
| Noncurrent assets plus other real estate owned to assets | 0.0823% | 7,345 |
| Noncurrent loans to loans | 0.1616% | 7,079 |
| Net loans and leases to total assets | 49.3858% | 6,833 |
| Net loans and leases to deposits | 66.0485% | 6,304 |
| Net loans and leases to core deposits | 88.8014% | 5,549 |
| Total domestic deposits to total assets | 74.7719% | 6,814 |
| Equity capital to assets | 19.3262% | 386 |
| Core capital (leverage) ratio | 19.1145% | 371 |
| Tier 1 risk-based capital ratio | 29.7816% | 577 |
| Total risk-based capital ratio | 31.0497% | 561 |
| Memoranda: | ||
| Average total assets | $29,094,500 | 7,571 |
| Average earning assets | $26,603,750 | 7,546 |
| Average equity | $5,599,750 | 6,817 |
| Average total loans | $14,207,250 | 7,558 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6679% | 3,727 |
| Cost of funding earning assets | 1.7851% | 4,833 |
| Net interest margin | 3.8829% | 3,195 |
| Noninterest income to average assets | 0.5022% | 4,424 |
| Noninterest expense to average assets | 2.1554% | 7,158 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.4439% | 938 |
| Return on assets (ROA) | 1.4439% | 1,001 |
| Pretax return on assets | 1.8973% | 699 |
| Return on Equity (ROE) | 7.5132% | 2,968 |
| Retained earnings to average equity (ytd only) | 6.1339% | 1,958 |
| Net charge-offs to loans | -0.3192% | 8,074 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1842% | 7,413 |
| Assets per employee ($millions) | 4.8735% | 2,231 |
| Cash dividends to net income (ytd only)* | 18.3575% | 3,204 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3525% | 426 |
| Loan loss allowance to noncurrent loans | 2,275.0000% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 7,415 |
| Noncurrent loans to loans | 0.1474% | 7,150 |
| Net loans and leases to total assets | 44.8582% | 7,276 |
| Net loans and leases to deposits | 56.7099% | 7,111 |
| Net loans and leases to core deposits | 77.2952% | 6,590 |
| Total domestic deposits to total assets | 79.1013% | 5,785 |
| Equity capital to assets | 19.0589% | 455 |
| Core capital (leverage) ratio | 18.8828% | 430 |
| Tier 1 risk-based capital ratio | 31.8091% | 506 |
| Total risk-based capital ratio | 33.0771% | 497 |
| Memoranda: | ||
| Average total assets | $28,671,670 | 7,655 |
| Average earning assets | $26,217,670 | 7,631 |
| Average equity | $5,510,330 | 6,894 |
| Average total loans | $13,786,330 | 7,662 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7126% | 3,738 |
| Cost of funding earning assets | 1.8324% | 4,961 |
| Net interest margin | 3.8803% | 3,135 |
| Noninterest income to average assets | 0.5073% | 4,256 |
| Noninterest expense to average assets | 1.9164% | 7,517 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6486% | 719 |
| Return on assets (ROA) | 1.6486% | 789 |
| Pretax return on assets | 2.1418% | 501 |
| Return on Equity (ROE) | 8.5417% | 2,913 |
| Retained earnings to average equity (ytd only) | 5.7675% | 2,745 |
| Net charge-offs to loans | -0.6046% | 8,123 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2222% | 7,774 |
| Assets per employee ($millions) | 4.8073% | 2,292 |
| Cash dividends to net income (ytd only)* | 32.4786% | 2,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3553% | 356 |
| Loan loss allowance to noncurrent loans | 445.0980% | 784 |
| Noncurrent assets plus other real estate owned to assets | 0.3536% | 6,457 |
| Noncurrent loans to loans | 0.7538% | 5,540 |
| Net loans and leases to total assets | 45.3370% | 7,237 |
| Net loans and leases to deposits | 57.2648% | 7,087 |
| Net loans and leases to core deposits | 77.8625% | 6,545 |
| Total domestic deposits to total assets | 79.1707% | 5,655 |
| Equity capital to assets | 19.0854% | 482 |
| Core capital (leverage) ratio | 18.8615% | 463 |
| Tier 1 risk-based capital ratio | 31.9358% | 533 |
| Total risk-based capital ratio | 33.2006% | 523 |
| Memoranda: | ||
| Average total assets | $28,387,000 | 7,715 |
| Average earning assets | $25,977,500 | 7,684 |
| Average equity | $5,479,000 | 6,953 |
| Average total loans | $13,893,500 | 7,699 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2113% | 4,456 |
| Cost of funding earning assets | 2.3613% | 4,890 |
| Net interest margin | 3.8501% | 3,794 |
| Noninterest income to average assets | 0.4872% | 4,725 |
| Noninterest expense to average assets | 2.3239% | 6,633 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2224% | 1,709 |
| Return on assets (ROA) | 1.2630% | 1,540 |
| Pretax return on assets | 1.6888% | 1,168 |
| Return on Equity (ROE) | 6.7055% | 3,671 |
| Retained earnings to average equity (ytd only) | 5.9775% | 1,544 |
| Net charge-offs to loans | 0.3060% | 3,357 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 10.7857% | 2,460 |
| Efficiency ratio | 58.7056% | 6,573 |
| Assets per employee ($millions) | 4.6550% | 2,394 |
| Cash dividends to net income (ytd only)* | 10.8571% | 4,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0373% | 418 |
| Loan loss allowance to noncurrent loans | 676.5625% | 669 |
| Noncurrent assets plus other real estate owned to assets | 0.2291% | 6,654 |
| Noncurrent loans to loans | 0.4489% | 6,007 |
| Net loans and leases to total assets | 49.4916% | 7,072 |
| Net loans and leases to deposits | 62.8718% | 6,884 |
| Net loans and leases to core deposits | 85.6709% | 6,154 |
| Total domestic deposits to total assets | 78.7182% | 5,477 |
| Equity capital to assets | 19.5238% | 495 |
| Core capital (leverage) ratio | 19.2692% | 493 |
| Tier 1 risk-based capital ratio | 30.2692% | 624 |
| Total risk-based capital ratio | 31.5366% | 607 |
| Memoranda: | ||
| Average total assets | $27,712,200 | 7,741 |
| Average earning assets | $24,986,600 | 7,742 |
| Average equity | $5,219,600 | 7,077 |
| Average total loans | $13,725,000 | 7,721 |