Home > Blencoe State Bank > Performance and Condition Ratios
Blencoe State Bank, 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 | 3.4138% | 5,504 |
| Cost of funding earning assets | 0.2552% | 5,271 |
| Net interest margin | 3.1586% | 5,046 |
| Noninterest income to average assets | 0.4680% | 3,728 |
| Noninterest expense to average assets | 2.3217% | 5,053 |
| Loan and lease loss provision to assets | 0.1931% | 1,323 |
| Net operating income to assets | 0.6274% | 4,246 |
| Return on assets (ROA) | 0.6111% | 4,420 |
| Pretax return on assets | 0.8542% | 4,056 |
| Return on Equity (ROE) | 6.9305% | 3,675 |
| Retained earnings to average equity (ytd only) | 5.5392% | 2,237 |
| Net charge-offs to loans | 0.2360% | 1,791 |
| Credit loss provision to net charge-offs | 170.0000% | 1,433 |
| Earnings coverage of net charge-offs (x) | 9.4200% | 2,749 |
| Efficiency ratio | 68.4528% | 3,816 |
| Assets per employee ($millions) | 4.9323% | 2,409 |
| Cash dividends to net income (ytd only)* | 20.0743% | 3,811 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 3,712 |
| Loan loss allowance to noncurrent loans | 227.5591% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.5609% | 3,927 |
| Noncurrent loans to loans | 0.5502% | 4,013 |
| Net loans and leases to total assets | 51.3505% | 4,849 |
| Net loans and leases to deposits | 63.2457% | 4,606 |
| Net loans and leases to core deposits | 63.2457% | 4,894 |
| Total domestic deposits to total assets | 81.1921% | 4,681 |
| Equity capital to assets | 8.9951% | 5,291 |
| Core capital (leverage) ratio | 9.2580% | 4,591 |
| Tier 1 risk-based capital ratio | 15.6749% | 3,140 |
| Total risk-based capital ratio | 16.8145% | 3,134 |
| Memoranda: | ||
| Average total assets | $44,019,600 | 5,930 |
| Average earning assets | $40,746,000 | 5,900 |
| Average equity | $3,881,400 | 6,113 |
| Average total loans | $21,183,000 | 5,914 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3801% | 5,624 |
| Cost of funding earning assets | 0.2593% | 5,314 |
| Net interest margin | 3.1209% | 5,197 |
| Noninterest income to average assets | 0.4189% | 4,105 |
| Noninterest expense to average assets | 2.2583% | 5,203 |
| Loan and lease loss provision to assets | 0.0850% | 2,656 |
| Net operating income to assets | 0.6896% | 3,999 |
| Return on assets (ROA) | 0.6678% | 4,212 |
| Pretax return on assets | 0.9318% | 3,849 |
| Return on Equity (ROE) | 7.6120% | 3,396 |
| Retained earnings to average equity (ytd only) | 7.6120% | 1,528 |
| Net charge-offs to loans | 0.0966% | 2,843 |
| Credit loss provision to net charge-offs | 186.6667% | 1,344 |
| Earnings coverage of net charge-offs (x) | 22.9995% | 1,608 |
| Efficiency ratio | 68.3196% | 3,801 |
| Assets per employee ($millions) | 5.0432% | 2,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2649% | 3,851 |
| Loan loss allowance to noncurrent loans | 137.1134% | 2,928 |
| Noncurrent assets plus other real estate owned to assets | 0.6169% | 3,979 |
| Noncurrent loans to loans | 0.9225% | 3,257 |
| Net loans and leases to total assets | 45.7446% | 5,400 |
| Net loans and leases to deposits | 50.4189% | 5,625 |
| Net loans and leases to core deposits | 50.4189% | 5,769 |
| Total domestic deposits to total assets | 90.7290% | 444 |
| Equity capital to assets | 8.8083% | 5,541 |
| Core capital (leverage) ratio | 9.2524% | 4,702 |
| Tier 1 risk-based capital ratio | 15.5015% | 3,318 |
| Total risk-based capital ratio | 16.5414% | 3,366 |
| Memoranda: | ||
| Average total assets | $43,926,750 | 5,999 |
| Average earning assets | $40,628,500 | 5,977 |
| Average equity | $3,853,500 | 6,186 |
| Average total loans | $20,707,750 | 5,994 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3408% | 5,731 |
| Cost of funding earning assets | 0.2631% | 5,355 |
| Net interest margin | 3.0777% | 5,324 |
| Noninterest income to average assets | 0.4144% | 4,140 |
| Noninterest expense to average assets | 2.3159% | 5,118 |
| Loan and lease loss provision to assets | 0.0783% | 2,717 |
| Net operating income to assets | 0.6400% | 4,153 |
| Return on assets (ROA) | 0.6400% | 4,256 |
| Pretax return on assets | 0.8748% | 3,979 |
| Return on Equity (ROE) | 7.3055% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.3055% | 1,612 |
| Net charge-offs to loans | 0.1068% | 2,612 |
| Credit loss provision to net charge-offs | 154.5455% | 1,429 |
| Earnings coverage of net charge-offs (x) | 18.8182% | 1,658 |
| Efficiency ratio | 70.8451% | 3,523 |
| Assets per employee ($millions) | 4.9044% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2827% | 3,946 |
| Loan loss allowance to noncurrent loans | 134.1969% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.6479% | 4,045 |
| Noncurrent loans to loans | 0.9558% | 3,334 |
| Net loans and leases to total assets | 45.1586% | 5,448 |
| Net loans and leases to deposits | 52.5161% | 5,464 |
| Net loans and leases to core deposits | 52.5161% | 5,640 |
| Total domestic deposits to total assets | 85.9900% | 3,037 |
| Equity capital to assets | 8.8582% | 5,461 |
| Core capital (leverage) ratio | 8.7551% | 5,333 |
| Tier 1 risk-based capital ratio | 17.0262% | 2,609 |
| Total risk-based capital ratio | 18.1572% | 2,626 |
| Memoranda: | ||
| Average total assets | $43,439,330 | 6,070 |
| Average earning assets | $40,290,000 | 6,038 |
| Average equity | $3,805,330 | 6,241 |
| Average total loans | $20,600,670 | 6,052 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2968% | 5,849 |
| Cost of funding earning assets | 0.2722% | 5,365 |
| Net interest margin | 3.0246% | 5,464 |
| Noninterest income to average assets | 0.4456% | 3,817 |
| Noninterest expense to average assets | 2.3858% | 4,970 |
| Loan and lease loss provision to assets | 0.0743% | 2,651 |
| Net operating income to assets | 0.5663% | 4,373 |
| Return on assets (ROA) | 0.5663% | 4,451 |
| Pretax return on assets | 0.7705% | 4,225 |
| Return on Equity (ROE) | 6.5015% | 3,746 |
| Retained earnings to average equity (ytd only) | 6.5015% | 2,278 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8506% | 3,171 |
| Assets per employee ($millions) | 5.1667% | 2,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 3,739 |
| Loan loss allowance to noncurrent loans | 114.9123% | 3,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7398% | 3,902 |
| Noncurrent loans to loans | 1.1936% | 3,053 |
| Net loans and leases to total assets | 40.5161% | 5,771 |
| Net loans and leases to deposits | 44.2888% | 5,962 |
| Net loans and leases to core deposits | 44.2888% | 6,064 |
| Total domestic deposits to total assets | 91.4817% | 384 |
| Equity capital to assets | 8.1570% | 5,941 |
| Core capital (leverage) ratio | 8.9062% | 5,131 |
| Tier 1 risk-based capital ratio | 13.1200% | 4,943 |
| Total risk-based capital ratio | 14.0160% | 5,086 |
| Memoranda: | ||
| Average total assets | $43,089,000 | 6,138 |
| Average earning assets | $39,674,500 | 6,109 |
| Average equity | $3,753,000 | 6,296 |
| Average total loans | $20,805,000 | 6,101 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7817% | 4,874 |
| Cost of funding earning assets | 0.3252% | 5,376 |
| Net interest margin | 3.4565% | 4,070 |
| Noninterest income to average assets | 0.5134% | 3,675 |
| Noninterest expense to average assets | 2.5899% | 4,498 |
| Loan and lease loss provision to assets | 0.0381% | 4,353 |
| Net operating income to assets | 0.7391% | 3,613 |
| Return on assets (ROA) | 0.8031% | 3,376 |
| Pretax return on assets | 1.1081% | 2,922 |
| Return on Equity (ROE) | 8.4578% | 2,799 |
| Retained earnings to average equity (ytd only) | 4.8980% | 2,670 |
| Net charge-offs to loans | 0.2985% | 2,200 |
| Credit loss provision to net charge-offs | 25.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | 6.9333% | 2,950 |
| Efficiency ratio | 71.0105% | 3,667 |
| Assets per employee ($millions) | 4.4087% | 3,068 |
| Cash dividends to net income (ytd only)* | 42.0886% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 5,032 |
| Loan loss allowance to noncurrent loans | 127.7778% | 3,019 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 3,553 |
| Noncurrent loans to loans | 0.8797% | 3,784 |
| Net loans and leases to total assets | 56.0890% | 4,305 |
| Net loans and leases to deposits | 66.1367% | 4,281 |
| Net loans and leases to core deposits | 66.1367% | 4,681 |
| Total domestic deposits to total assets | 84.8077% | 3,845 |
| Equity capital to assets | 9.3578% | 4,606 |
| Core capital (leverage) ratio | 9.8628% | 3,753 |
| Tier 1 risk-based capital ratio | 15.1635% | 3,567 |
| Total risk-based capital ratio | 16.1835% | 3,655 |
| Memoranda: | ||
| Average total assets | $39,345,400 | 6,305 |
| Average earning assets | $35,672,000 | 6,299 |
| Average equity | $3,736,200 | 6,383 |
| Average total loans | $20,098,000 | 6,198 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7400% | 5,060 |
| Cost of funding earning assets | 0.3189% | 5,564 |
| Net interest margin | 3.4212% | 4,202 |
| Noninterest income to average assets | 0.4856% | 3,897 |
| Noninterest expense to average assets | 2.5809% | 4,453 |
| Loan and lease loss provision to assets | 0.0340% | 4,341 |
| Net operating income to assets | 0.7079% | 3,813 |
| Return on assets (ROA) | 0.7946% | 3,506 |
| Pretax return on assets | 1.0867% | 3,166 |
| Return on Equity (ROE) | 8.3375% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.3375% | 1,275 |
| Net charge-offs to loans | 0.4104% | 1,568 |
| Credit loss provision to net charge-offs | 16.6667% | 4,119 |
| Earnings coverage of net charge-offs (x) | 4.9165% | 3,324 |
| Efficiency ratio | 72.0379% | 3,397 |
| Assets per employee ($millions) | 4.3773% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 4,586 |
| Loan loss allowance to noncurrent loans | 63.1980% | 4,687 |
| Noncurrent assets plus other real estate owned to assets | 1.5712% | 2,578 |
| Noncurrent loans to loans | 1.9967% | 2,250 |
| Net loans and leases to total assets | 49.4568% | 5,196 |
| Net loans and leases to deposits | 54.9511% | 5,459 |
| Net loans and leases to core deposits | 54.9511% | 5,699 |
| Total domestic deposits to total assets | 90.0015% | 994 |
| Equity capital to assets | 9.5974% | 4,421 |
| Core capital (leverage) ratio | 10.3653% | 3,146 |
| Tier 1 risk-based capital ratio | 16.0978% | 3,135 |
| Total risk-based capital ratio | 17.1538% | 3,195 |
| Memoranda: | ||
| Average total assets | $39,262,250 | 6,377 |
| Average earning assets | $35,542,500 | 6,369 |
| Average equity | $3,742,000 | 6,458 |
| Average total loans | $19,495,500 | 6,295 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7155% | 5,098 |
| Cost of funding earning assets | 0.3250% | 5,614 |
| Net interest margin | 3.3905% | 4,222 |
| Noninterest income to average assets | 0.4539% | 4,137 |
| Noninterest expense to average assets | 2.5703% | 4,494 |
| Loan and lease loss provision to assets | 0.0255% | 4,408 |
| Net operating income to assets | 0.7038% | 3,787 |
| Return on assets (ROA) | 0.7038% | 3,959 |
| Pretax return on assets | 0.9435% | 3,738 |
| Return on Equity (ROE) | 7.4014% | 3,395 |
| Retained earnings to average equity (ytd only) | 7.4014% | 1,713 |
| Net charge-offs to loans | 0.4841% | 1,361 |
| Credit loss provision to net charge-offs | 10.6383% | 3,889 |
| Earnings coverage of net charge-offs (x) | 4.0426% | 3,232 |
| Efficiency ratio | 72.6225% | 3,366 |
| Assets per employee ($millions) | 4.1051% | 3,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3392% | 4,317 |
| Loan loss allowance to noncurrent loans | 113.1579% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 0.9013% | 3,985 |
| Noncurrent loans to loans | 1.1835% | 3,580 |
| Net loans and leases to total assets | 51.4454% | 4,940 |
| Net loans and leases to deposits | 57.3658% | 5,213 |
| Net loans and leases to core deposits | 57.3658% | 5,480 |
| Total domestic deposits to total assets | 89.6795% | 1,216 |
| Equity capital to assets | 9.9253% | 4,011 |
| Core capital (leverage) ratio | 9.5627% | 4,138 |
| Tier 1 risk-based capital ratio | 17.0522% | 2,694 |
| Total risk-based capital ratio | 18.2365% | 2,690 |
| Memoranda: | ||
| Average total assets | $39,217,670 | 6,428 |
| Average earning assets | $35,688,000 | 6,415 |
| Average equity | $3,729,000 | 6,512 |
| Average total loans | $19,416,330 | 6,332 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5401% | 5,611 |
| Cost of funding earning assets | 0.3188% | 5,814 |
| Net interest margin | 3.2213% | 4,843 |
| Noninterest income to average assets | 0.4857% | 3,877 |
| Noninterest expense to average assets | 2.4385% | 4,985 |
| Loan and lease loss provision to assets | 0.0099% | 4,329 |
| Net operating income to assets | 0.7434% | 3,459 |
| Return on assets (ROA) | 0.7434% | 3,598 |
| Pretax return on assets | 0.9417% | 3,607 |
| Return on Equity (ROE) | 7.9787% | 2,984 |
| Retained earnings to average equity (ytd only) | 7.9787% | 1,757 |
| Net charge-offs to loans | 0.5541% | 1,095 |
| Credit loss provision to net charge-offs | 3.7037% | 3,204 |
| Earnings coverage of net charge-offs (x) | 3.5556% | 2,743 |
| Efficiency ratio | 71.9298% | 3,627 |
| Assets per employee ($millions) | 4.8092% | 2,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 3,687 |
| Loan loss allowance to noncurrent loans | 102.6217% | 3,284 |
| Noncurrent assets plus other real estate owned to assets | 0.8918% | 4,159 |
| Noncurrent loans to loans | 1.4938% | 3,314 |
| Net loans and leases to total assets | 40.6626% | 5,942 |
| Net loans and leases to deposits | 44.8922% | 6,130 |
| Net loans and leases to core deposits | 44.8922% | 6,268 |
| Total domestic deposits to total assets | 90.5783% | 726 |
| Equity capital to assets | 8.7425% | 5,769 |
| Core capital (leverage) ratio | 9.6013% | 3,925 |
| Tier 1 risk-based capital ratio | 13.6742% | 4,742 |
| Total risk-based capital ratio | 14.7004% | 4,866 |
| Memoranda: | ||
| Average total assets | $40,353,500 | 6,449 |
| Average earning assets | $36,383,000 | 6,453 |
| Average equity | $3,760,000 | 6,570 |
| Average total loans | $19,492,000 | 6,386 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0443% | 5,172 |
| Cost of funding earning assets | 0.4792% | 5,357 |
| Net interest margin | 3.5651% | 4,246 |
| Noninterest income to average assets | 0.5704% | 3,444 |
| Noninterest expense to average assets | 2.6801% | 4,472 |
| Loan and lease loss provision to assets | 0.0300% | 5,521 |
| Net operating income to assets | 0.7745% | 3,389 |
| Return on assets (ROA) | 0.8351% | 3,373 |
| Pretax return on assets | 1.1299% | 3,051 |
| Return on Equity (ROE) | 8.1998% | 3,002 |
| Retained earnings to average equity (ytd only) | 3.6176% | 3,660 |
| Net charge-offs to loans | -0.2198% | 6,943 |
| Credit loss provision to net charge-offs | -26.8293% | 6,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3145% | 3,565 |
| Assets per employee ($millions) | 4.1582% | 3,640 |
| Cash dividends to net income (ytd only)* | 55.8824% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4164% | 4,092 |
| Loan loss allowance to noncurrent loans | 105.6537% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 0.9994% | 4,037 |
| Noncurrent loans to loans | 1.3406% | 3,601 |
| Net loans and leases to total assets | 55.6087% | 4,360 |
| Net loans and leases to deposits | 62.7480% | 4,690 |
| Net loans and leases to core deposits | 62.7480% | 5,083 |
| Total domestic deposits to total assets | 88.6223% | 1,822 |
| Equity capital to assets | 9.9829% | 4,196 |
| Core capital (leverage) ratio | 9.6827% | 3,836 |
| Tier 1 risk-based capital ratio | 15.3744% | 3,500 |
| Total risk-based capital ratio | 16.6595% | 3,443 |
| Memoranda: | ||
| Average total assets | $36,641,000 | 6,592 |
| Average earning assets | $32,761,800 | 6,587 |
| Average equity | $3,731,800 | 6,627 |
| Average total loans | $18,652,000 | 6,482 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9923% | 5,539 |
| Cost of funding earning assets | 0.5047% | 5,406 |
| Net interest margin | 3.4876% | 4,690 |
| Noninterest income to average assets | 0.5670% | 3,491 |
| Noninterest expense to average assets | 2.7145% | 4,308 |
| Loan and lease loss provision to assets | 0.0329% | 5,365 |
| Net operating income to assets | 0.7105% | 3,874 |
| Return on assets (ROA) | 0.7939% | 3,724 |
| Pretax return on assets | 1.0390% | 3,566 |
| Return on Equity (ROE) | 7.7553% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.7553% | 1,726 |
| Net charge-offs to loans | -0.2587% | 7,033 |
| Credit loss provision to net charge-offs | -25.7143% | 6,135 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8308% | 3,014 |
| Assets per employee ($millions) | 4.2331% | 3,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5332% | 3,803 |
| Loan loss allowance to noncurrent loans | 92.0635% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 1.0027% | 4,278 |
| Noncurrent loans to loans | 1.6653% | 3,293 |
| Net loans and leases to total assets | 48.8871% | 5,444 |
| Net loans and leases to deposits | 54.9264% | 5,722 |
| Net loans and leases to core deposits | 54.9264% | 5,974 |
| Total domestic deposits to total assets | 89.0047% | 1,419 |
| Equity capital to assets | 10.0819% | 4,385 |
| Core capital (leverage) ratio | 10.7236% | 2,679 |
| Tier 1 risk-based capital ratio | 15.5069% | 3,531 |
| Total risk-based capital ratio | 16.7359% | 3,503 |
| Memoranda: | ||
| Average total assets | $36,445,250 | 6,678 |
| Average earning assets | $32,495,000 | 6,677 |
| Average equity | $3,730,750 | 6,712 |
| Average total loans | $18,037,500 | 6,598 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 5,717 |
| Cost of funding earning assets | 0.5600% | 5,229 |
| Net interest margin | 3.4163% | 5,016 |
| Noninterest income to average assets | 0.5460% | 3,607 |
| Noninterest expense to average assets | 2.7915% | 4,044 |
| Loan and lease loss provision to assets | 0.0446% | 5,121 |
| Net operating income to assets | 0.6358% | 4,192 |
| Return on assets (ROA) | 0.7745% | 3,762 |
| Pretax return on assets | 0.9361% | 3,938 |
| Return on Equity (ROE) | 7.5257% | 3,490 |
| Retained earnings to average equity (ytd only) | 7.5257% | 1,850 |
| Net charge-offs to loans | -0.3832% | 7,100 |
| Credit loss provision to net charge-offs | -23.5294% | 5,950 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4343% | 2,534 |
| Assets per employee ($millions) | 3.7801% | 4,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6452% | 3,441 |
| Loan loss allowance to noncurrent loans | 138.9423% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.8054% | 4,789 |
| Noncurrent loans to loans | 1.1841% | 4,175 |
| Net loans and leases to total assets | 50.7833% | 5,254 |
| Net loans and leases to deposits | 57.6457% | 5,489 |
| Net loans and leases to core deposits | 57.6457% | 5,799 |
| Total domestic deposits to total assets | 88.0956% | 2,080 |
| Equity capital to assets | 11.0108% | 3,103 |
| Core capital (leverage) ratio | 10.3428% | 2,994 |
| Tier 1 risk-based capital ratio | 17.3725% | 2,520 |
| Total risk-based capital ratio | 18.7746% | 2,431 |
| Memoranda: | ||
| Average total assets | $35,894,330 | 6,740 |
| Average earning assets | $32,140,330 | 6,731 |
| Average equity | $3,694,000 | 6,760 |
| Average total loans | $17,745,000 | 6,659 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9052% | 6,003 |
| Cost of funding earning assets | 0.5631% | 5,410 |
| Net interest margin | 3.3421% | 5,329 |
| Noninterest income to average assets | 0.4561% | 4,254 |
| Noninterest expense to average assets | 2.7694% | 4,162 |
| Loan and lease loss provision to assets | 0.0652% | 4,608 |
| Net operating income to assets | 0.4344% | 5,109 |
| Return on assets (ROA) | 0.4344% | 5,293 |
| Pretax return on assets | 0.5865% | 5,158 |
| Return on Equity (ROE) | 4.3621% | 5,112 |
| Retained earnings to average equity (ytd only) | 4.3621% | 3,976 |
| Net charge-offs to loans | -0.8523% | 7,201 |
| Credit loss provision to net charge-offs | -15.7895% | 5,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9524% | 2,085 |
| Assets per employee ($millions) | 4.3120% | 3,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7943% | 3,016 |
| Loan loss allowance to noncurrent loans | 206.3830% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 5,523 |
| Noncurrent loans to loans | 0.8694% | 4,928 |
| Net loans and leases to total assets | 41.0405% | 6,261 |
| Net loans and leases to deposits | 45.7423% | 6,449 |
| Net loans and leases to core deposits | 45.7423% | 6,585 |
| Total domestic deposits to total assets | 89.7212% | 1,233 |
| Equity capital to assets | 9.5547% | 4,720 |
| Core capital (leverage) ratio | 9.8548% | 3,565 |
| Tier 1 risk-based capital ratio | 13.9180% | 4,518 |
| Total risk-based capital ratio | 15.0811% | 4,561 |
| Memoranda: | ||
| Average total assets | $36,831,000 | 6,769 |
| Average earning assets | $32,674,000 | 6,773 |
| Average equity | $3,668,000 | 6,809 |
| Average total loans | $17,834,500 | 6,715 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4976% | 5,084 |
| Cost of funding earning assets | 0.6907% | 5,601 |
| Net interest margin | 3.8069% | 3,782 |
| Noninterest income to average assets | 0.5911% | 3,213 |
| Noninterest expense to average assets | 2.7203% | 4,667 |
| Loan and lease loss provision to assets | 0.0882% | 5,487 |
| Net operating income to assets | 0.8822% | 2,680 |
| Return on assets (ROA) | 0.8822% | 2,814 |
| Pretax return on assets | 1.2028% | 2,447 |
| Return on Equity (ROE) | 8.4360% | 2,699 |
| Retained earnings to average equity (ytd only) | 3.7399% | 3,554 |
| Net charge-offs to loans | 0.2189% | 4,417 |
| Credit loss provision to net charge-offs | 76.9231% | 4,599 |
| Earnings coverage of net charge-offs (x) | 11.2564% | 1,740 |
| Efficiency ratio | 67.8152% | 4,397 |
| Assets per employee ($millions) | 3.8727% | 4,153 |
| Cash dividends to net income (ytd only)* | 55.6667% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2699% | 5,065 |
| Loan loss allowance to noncurrent loans | 268.4783% | 1,227 |
| Noncurrent assets plus other real estate owned to assets | 0.4906% | 5,742 |
| Noncurrent loans to loans | 0.4730% | 5,765 |
| Net loans and leases to total assets | 55.0984% | 4,865 |
| Net loans and leases to deposits | 62.0966% | 5,228 |
| Net loans and leases to core deposits | 62.0966% | 5,644 |
| Total domestic deposits to total assets | 88.7301% | 1,699 |
| Equity capital to assets | 10.4091% | 3,642 |
| Core capital (leverage) ratio | 10.3126% | 2,954 |
| Tier 1 risk-based capital ratio | 15.7728% | 3,170 |
| Total risk-based capital ratio | 16.9050% | 3,194 |
| Memoranda: | ||
| Average total assets | $34,004,000 | 6,860 |
| Average earning assets | $30,549,400 | 6,853 |
| Average equity | $3,556,200 | 6,864 |
| Average total loans | $17,819,400 | 6,762 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4427% | 5,454 |
| Cost of funding earning assets | 0.7026% | 5,751 |
| Net interest margin | 3.7401% | 4,160 |
| Noninterest income to average assets | 0.6155% | 3,078 |
| Noninterest expense to average assets | 2.8133% | 4,291 |
| Loan and lease loss provision to assets | 0.0829% | 5,406 |
| Net operating income to assets | 0.8444% | 2,965 |
| Return on assets (ROA) | 0.8444% | 3,113 |
| Pretax return on assets | 1.1008% | 3,008 |
| Return on Equity (ROE) | 8.0642% | 3,014 |
| Retained earnings to average equity (ytd only) | 8.0642% | 1,487 |
| Net charge-offs to loans | 0.3140% | 3,529 |
| Credit loss provision to net charge-offs | 51.2195% | 5,010 |
| Earnings coverage of net charge-offs (x) | 7.3164% | 2,380 |
| Efficiency ratio | 70.3850% | 3,889 |
| Assets per employee ($millions) | 3.9683% | 3,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 5,152 |
| Loan loss allowance to noncurrent loans | 182.1705% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5824% | 5,658 |
| Noncurrent loans to loans | 0.6968% | 5,492 |
| Net loans and leases to total assets | 51.1746% | 5,557 |
| Net loans and leases to deposits | 57.6525% | 5,875 |
| Net loans and leases to core deposits | 57.6525% | 6,158 |
| Total domestic deposits to total assets | 88.7638% | 1,571 |
| Equity capital to assets | 10.4242% | 3,795 |
| Core capital (leverage) ratio | 10.8831% | 2,488 |
| Tier 1 risk-based capital ratio | 16.0031% | 3,117 |
| Total risk-based capital ratio | 17.0712% | 3,164 |
| Memoranda: | ||
| Average total assets | $33,791,500 | 6,929 |
| Average earning assets | $30,551,250 | 6,918 |
| Average equity | $3,538,250 | 6,927 |
| Average total loans | $17,411,500 | 6,852 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4310% | 5,589 |
| Cost of funding earning assets | 0.7232% | 5,817 |
| Net interest margin | 3.7078% | 4,222 |
| Noninterest income to average assets | 0.5973% | 3,162 |
| Noninterest expense to average assets | 2.7451% | 4,646 |
| Loan and lease loss provision to assets | 0.0724% | 5,405 |
| Net operating income to assets | 0.8627% | 2,810 |
| Return on assets (ROA) | 0.8627% | 2,899 |
| Pretax return on assets | 1.1825% | 2,550 |
| Return on Equity (ROE) | 8.2263% | 2,848 |
| Retained earnings to average equity (ytd only) | 8.2263% | 1,374 |
| Net charge-offs to loans | 0.3990% | 2,963 |
| Credit loss provision to net charge-offs | 35.2941% | 4,900 |
| Earnings coverage of net charge-offs (x) | 6.1176% | 2,464 |
| Efficiency ratio | 68.6275% | 4,404 |
| Assets per employee ($millions) | 3.5968% | 4,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 4,565 |
| Loan loss allowance to noncurrent loans | 112.5000% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.9607% | 4,940 |
| Noncurrent loans to loans | 1.2448% | 4,580 |
| Net loans and leases to total assets | 50.8974% | 5,705 |
| Net loans and leases to deposits | 62.1361% | 5,488 |
| Net loans and leases to core deposits | 62.1361% | 5,888 |
| Total domestic deposits to total assets | 81.9128% | 5,200 |
| Equity capital to assets | 11.1767% | 2,785 |
| Core capital (leverage) ratio | 10.8151% | 2,408 |
| Tier 1 risk-based capital ratio | 18.3808% | 2,050 |
| Total risk-based capital ratio | 19.6272% | 1,999 |
| Memoranda: | ||
| Average total assets | $33,150,330 | 7,011 |
| Average earning assets | $30,422,000 | 6,983 |
| Average equity | $3,476,670 | 6,986 |
| Average total loans | $17,044,670 | 6,938 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3021% | 6,017 |
| Cost of funding earning assets | 0.7235% | 6,010 |
| Net interest margin | 3.5786% | 4,665 |
| Noninterest income to average assets | 0.5844% | 3,272 |
| Noninterest expense to average assets | 2.7668% | 4,579 |
| Loan and lease loss provision to assets | 0.0716% | 5,111 |
| Net operating income to assets | 0.6321% | 3,855 |
| Return on assets (ROA) | 0.6321% | 3,924 |
| Pretax return on assets | 1.0495% | 2,948 |
| Return on Equity (ROE) | 6.2243% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.2243% | 2,510 |
| Net charge-offs to loans | 0.6739% | 1,862 |
| Credit loss provision to net charge-offs | 20.6897% | 4,244 |
| Earnings coverage of net charge-offs (x) | 3.2414% | 2,807 |
| Efficiency ratio | 71.1656% | 4,018 |
| Assets per employee ($millions) | 3.8444% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5155% | 4,132 |
| Loan loss allowance to noncurrent loans | 75.0000% | 3,717 |
| Noncurrent assets plus other real estate owned to assets | 1.1994% | 4,555 |
| Noncurrent loans to loans | 2.0207% | 3,544 |
| Net loans and leases to total assets | 43.9480% | 6,474 |
| Net loans and leases to deposits | 49.1849% | 6,672 |
| Net loans and leases to core deposits | 49.1849% | 6,821 |
| Total domestic deposits to total assets | 89.3526% | 1,562 |
| Equity capital to assets | 9.9566% | 3,830 |
| Core capital (leverage) ratio | 10.5521% | 2,558 |
| Tier 1 risk-based capital ratio | 15.8413% | 2,977 |
| Total risk-based capital ratio | 16.9533% | 3,011 |
| Memoranda: | ||
| Average total assets | $33,540,000 | 7,052 |
| Average earning assets | $30,961,500 | 7,018 |
| Average equity | $3,406,000 | 7,044 |
| Average total loans | $17,212,000 | 6,985 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 5,900 |
| Cost of funding earning assets | 0.9527% | 5,921 |
| Net interest margin | 3.7158% | 4,284 |
| Noninterest income to average assets | 0.6044% | 3,448 |
| Noninterest expense to average assets | 2.7088% | 4,950 |
| Loan and lease loss provision to assets | 0.1315% | 5,856 |
| Net operating income to assets | 0.8537% | 2,572 |
| Return on assets (ROA) | 0.8737% | 2,629 |
| Pretax return on assets | 1.2245% | 2,153 |
| Return on Equity (ROE) | 8.0603% | 2,678 |
| Retained earnings to average equity (ytd only) | 1.3001% | 4,898 |
| Net charge-offs to loans | 0.1202% | 5,683 |
| Credit loss provision to net charge-offs | 200.0000% | 1,561 |
| Earnings coverage of net charge-offs (x) | 20.1905% | 1,019 |
| Efficiency ratio | 67.1063% | 4,745 |
| Assets per employee ($millions) | 3.6089% | 4,676 |
| Cash dividends to net income (ytd only)* | 83.8710% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3485% | 4,757 |
| Loan loss allowance to noncurrent loans | 55.2916% | 4,701 |
| Noncurrent assets plus other real estate owned to assets | 1.7888% | 3,638 |
| Noncurrent loans to loans | 2.4389% | 3,082 |
| Net loans and leases to total assets | 57.6601% | 5,074 |
| Net loans and leases to deposits | 72.1056% | 4,501 |
| Net loans and leases to core deposits | 72.1056% | 5,196 |
| Total domestic deposits to total assets | 79.9661% | 5,845 |
| Equity capital to assets | 10.3664% | 3,314 |
| Core capital (leverage) ratio | 10.2854% | 2,781 |
| Tier 1 risk-based capital ratio | 16.1523% | 2,672 |
| Total risk-based capital ratio | 17.4023% | 2,633 |
| Memoranda: | ||
| Average total assets | $31,932,400 | 7,150 |
| Average earning assets | $29,495,800 | 7,108 |
| Average equity | $3,461,400 | 7,145 |
| Average total loans | $17,473,600 | 7,061 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6896% | 6,064 |
| Cost of funding earning assets | 0.9652% | 6,105 |
| Net interest margin | 3.7244% | 4,290 |
| Noninterest income to average assets | 0.6039% | 3,416 |
| Noninterest expense to average assets | 2.6502% | 5,111 |
| Loan and lease loss provision to assets | 0.1510% | 5,532 |
| Net operating income to assets | 0.8912% | 2,644 |
| Return on assets (ROA) | 0.9183% | 2,685 |
| Pretax return on assets | 1.2706% | 2,257 |
| Return on Equity (ROE) | 8.3785% | 2,756 |
| Retained earnings to average equity (ytd only) | 8.3785% | 1,281 |
| Net charge-offs to loans | 0.1638% | 5,010 |
| Credit loss provision to net charge-offs | 171.4286% | 2,159 |
| Earnings coverage of net charge-offs (x) | 15.7139% | 1,424 |
| Efficiency ratio | 65.6965% | 4,924 |
| Assets per employee ($millions) | 3.7796% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 3,990 |
| Loan loss allowance to noncurrent loans | 77.1605% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 4,512 |
| Noncurrent loans to loans | 1.9376% | 3,762 |
| Net loans and leases to total assets | 48.4243% | 6,479 |
| Net loans and leases to deposits | 54.8171% | 6,706 |
| Net loans and leases to core deposits | 54.8171% | 6,920 |
| Total domestic deposits to total assets | 88.3378% | 1,769 |
| Equity capital to assets | 10.7391% | 3,242 |
| Core capital (leverage) ratio | 11.4607% | 1,962 |
| Tier 1 risk-based capital ratio | 16.7235% | 2,449 |
| Total risk-based capital ratio | 17.9242% | 2,433 |
| Memoranda: | ||
| Average total assets | $31,795,500 | 7,232 |
| Average earning assets | $29,283,750 | 7,200 |
| Average equity | $3,485,000 | 7,232 |
| Average total loans | $17,096,000 | 7,163 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6962% | 6,158 |
| Cost of funding earning assets | 0.9989% | 6,148 |
| Net interest margin | 3.6973% | 4,377 |
| Noninterest income to average assets | 0.5925% | 3,393 |
| Noninterest expense to average assets | 2.6276% | 5,215 |
| Loan and lease loss provision to assets | 0.1546% | 5,353 |
| Net operating income to assets | 0.8941% | 2,571 |
| Return on assets (ROA) | 0.9081% | 2,637 |
| Pretax return on assets | 1.2623% | 2,216 |
| Return on Equity (ROE) | 8.2240% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.2240% | 1,362 |
| Net charge-offs to loans | 0.2091% | 4,360 |
| Credit loss provision to net charge-offs | 133.3333% | 3,012 |
| Earnings coverage of net charge-offs (x) | 12.0556% | 1,706 |
| Efficiency ratio | 65.2800% | 5,110 |
| Assets per employee ($millions) | 3.3660% | 5,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4244% | 4,314 |
| Loan loss allowance to noncurrent loans | 60.0000% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.4854% | 4,231 |
| Noncurrent loans to loans | 2.3740% | 3,286 |
| Net loans and leases to total assets | 55.5126% | 5,782 |
| Net loans and leases to deposits | 63.9284% | 6,046 |
| Net loans and leases to core deposits | 63.9284% | 6,408 |
| Total domestic deposits to total assets | 86.8357% | 2,631 |
| Equity capital to assets | 11.6129% | 2,346 |
| Core capital (leverage) ratio | 11.1552% | 2,133 |
| Tier 1 risk-based capital ratio | 18.4699% | 1,842 |
| Total risk-based capital ratio | 19.7233% | 1,810 |
| Memoranda: | ||
| Average total assets | $31,055,330 | 7,309 |
| Average earning assets | $28,832,000 | 7,267 |
| Average equity | $3,429,000 | 7,287 |
| Average total loans | $17,220,670 | 7,211 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6556% | 6,390 |
| Cost of funding earning assets | 1.0085% | 6,335 |
| Net interest margin | 3.6471% | 4,504 |
| Noninterest income to average assets | 0.5217% | 3,883 |
| Noninterest expense to average assets | 2.5703% | 5,478 |
| Loan and lease loss provision to assets | 0.1527% | 5,014 |
| Net operating income to assets | 0.8398% | 2,793 |
| Return on assets (ROA) | 0.8398% | 2,890 |
| Pretax return on assets | 1.1579% | 2,521 |
| Return on Equity (ROE) | 7.8003% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.8003% | 1,791 |
| Net charge-offs to loans | -0.0231% | 7,112 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,420 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2295% | 5,068 |
| Assets per employee ($millions) | 3.6827% | 4,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 3,881 |
| Loan loss allowance to noncurrent loans | 72.1739% | 3,761 |
| Noncurrent assets plus other real estate owned to assets | 1.3185% | 4,556 |
| Noncurrent loans to loans | 2.0862% | 3,675 |
| Net loans and leases to total assets | 49.1431% | 6,561 |
| Net loans and leases to deposits | 55.1388% | 6,835 |
| Net loans and leases to core deposits | 55.1388% | 7,041 |
| Total domestic deposits to total assets | 89.1262% | 1,452 |
| Equity capital to assets | 10.2915% | 3,487 |
| Core capital (leverage) ratio | 11.0020% | 2,231 |
| Tier 1 risk-based capital ratio | 16.3958% | 2,487 |
| Total risk-based capital ratio | 17.6221% | 2,451 |
| Memoranda: | ||
| Average total assets | $31,436,000 | 7,389 |
| Average earning assets | $28,954,500 | 7,355 |
| Average equity | $3,384,500 | 7,378 |
| Average total loans | $17,301,000 | 7,294 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1749% | 5,765 |
| Cost of funding earning assets | 1.1802% | 6,730 |
| Net interest margin | 3.9947% | 2,882 |
| Noninterest income to average assets | 0.6967% | 3,000 |
| Noninterest expense to average assets | 2.8246% | 4,866 |
| Loan and lease loss provision to assets | 0.2643% | 5,293 |
| Net operating income to assets | 0.8958% | 2,189 |
| Return on assets (ROA) | 0.8958% | 2,259 |
| Pretax return on assets | 1.2905% | 1,718 |
| Return on Equity (ROE) | 7.7476% | 2,480 |
| Retained earnings to average equity (ytd only) | 1.0389% | 4,311 |
| Net charge-offs to loans | 0.3818% | 4,296 |
| Credit loss provision to net charge-offs | 118.4615% | 4,551 |
| Earnings coverage of net charge-offs (x) | 6.9692% | 2,253 |
| Efficiency ratio | 64.4984% | 5,675 |
| Assets per employee ($millions) | 3.3031% | 5,481 |
| Cash dividends to net income (ytd only)* | 86.5900% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3064% | 4,715 |
| Loan loss allowance to noncurrent loans | 69.2082% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 1.4565% | 4,227 |
| Noncurrent loans to loans | 1.8876% | 3,819 |
| Net loans and leases to total assets | 59.9738% | 5,338 |
| Net loans and leases to deposits | 71.0914% | 5,454 |
| Net loans and leases to core deposits | 81.1811% | 5,985 |
| Total domestic deposits to total assets | 84.3615% | 3,857 |
| Equity capital to assets | 11.2957% | 2,466 |
| Core capital (leverage) ratio | 11.0968% | 2,179 |
| Tier 1 risk-based capital ratio | 17.0632% | 2,135 |
| Total risk-based capital ratio | 18.3026% | 2,099 |
| Memoranda: | ||
| Average total assets | $29,136,400 | 7,504 |
| Average earning assets | $26,860,600 | 7,466 |
| Average equity | $3,368,800 | 7,482 |
| Average total loans | $17,025,800 | 7,349 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1985% | 5,882 |
| Cost of funding earning assets | 1.2047% | 6,872 |
| Net interest margin | 3.9939% | 2,849 |
| Noninterest income to average assets | 0.6945% | 3,051 |
| Noninterest expense to average assets | 2.8930% | 4,482 |
| Loan and lease loss provision to assets | 0.2300% | 5,131 |
| Net operating income to assets | 0.8785% | 2,504 |
| Return on assets (ROA) | 0.8785% | 2,580 |
| Pretax return on assets | 1.2464% | 2,118 |
| Return on Equity (ROE) | 7.5533% | 2,841 |
| Retained earnings to average equity (ytd only) | 7.5533% | 1,290 |
| Net charge-offs to loans | 0.4851% | 3,289 |
| Credit loss provision to net charge-offs | 81.9672% | 5,708 |
| Earnings coverage of net charge-offs (x) | 5.2624% | 2,884 |
| Efficiency ratio | 66.2105% | 5,327 |
| Assets per employee ($millions) | 3.3771% | 5,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2395% | 4,905 |
| Loan loss allowance to noncurrent loans | 88.7500% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 4,897 |
| Noncurrent loans to loans | 1.3966% | 4,578 |
| Net loans and leases to total assets | 55.8400% | 6,161 |
| Net loans and leases to deposits | 63.6609% | 6,524 |
| Net loans and leases to core deposits | 70.3415% | 6,951 |
| Total domestic deposits to total assets | 87.7147% | 1,796 |
| Equity capital to assets | 11.5812% | 2,520 |
| Core capital (leverage) ratio | 12.1455% | 1,733 |
| Tier 1 risk-based capital ratio | 17.5651% | 2,105 |
| Total risk-based capital ratio | 18.6597% | 2,102 |
| Memoranda: | ||
| Average total assets | $28,988,500 | 7,577 |
| Average earning assets | $26,673,500 | 7,543 |
| Average equity | $3,371,500 | 7,549 |
| Average total loans | $16,766,000 | 7,432 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2200% | 6,005 |
| Cost of funding earning assets | 1.2327% | 7,012 |
| Net interest margin | 3.9873% | 2,758 |
| Noninterest income to average assets | 0.7083% | 2,942 |
| Noninterest expense to average assets | 2.8541% | 4,716 |
| Loan and lease loss provision to assets | 0.2034% | 5,024 |
| Net operating income to assets | 0.8836% | 2,517 |
| Return on assets (ROA) | 0.8836% | 2,623 |
| Pretax return on assets | 1.3254% | 1,951 |
| Return on Equity (ROE) | 7.5858% | 2,927 |
| Retained earnings to average equity (ytd only) | 7.5858% | 1,358 |
| Net charge-offs to loans | 0.6135% | 2,508 |
| Credit loss provision to net charge-offs | 56.8627% | 5,645 |
| Earnings coverage of net charge-offs (x) | 4.2745% | 3,152 |
| Efficiency ratio | 65.1200% | 5,693 |
| Assets per employee ($millions) | 3.0948% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2306% | 4,743 |
| Loan loss allowance to noncurrent loans | 112.2222% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 5,009 |
| Noncurrent loans to loans | 1.0966% | 5,016 |
| Net loans and leases to total assets | 58.2092% | 5,934 |
| Net loans and leases to deposits | 66.8247% | 6,317 |
| Net loans and leases to core deposits | 73.8465% | 6,803 |
| Total domestic deposits to total assets | 87.1073% | 2,196 |
| Equity capital to assets | 12.1854% | 2,104 |
| Core capital (leverage) ratio | 12.0900% | 1,797 |
| Tier 1 risk-based capital ratio | 18.4804% | 1,878 |
| Total risk-based capital ratio | 19.5934% | 1,869 |
| Memoranda: | ||
| Average total assets | $28,520,000 | 7,664 |
| Average earning assets | $26,283,670 | 7,629 |
| Average equity | $3,322,000 | 7,627 |
| Average total loans | $16,626,330 | 7,504 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4249% | 5,292 |
| Cost of funding earning assets | 1.2495% | 7,175 |
| Net interest margin | 4.1753% | 1,993 |
| Noninterest income to average assets | 0.7209% | 2,757 |
| Noninterest expense to average assets | 2.6340% | 5,304 |
| Loan and lease loss provision to assets | 0.1525% | 4,979 |
| Net operating income to assets | 1.1645% | 1,761 |
| Return on assets (ROA) | 1.1645% | 1,878 |
| Pretax return on assets | 1.7329% | 1,115 |
| Return on Equity (ROE) | 10.2252% | 2,226 |
| Retained earnings to average equity (ytd only) | 10.2252% | 1,135 |
| Net charge-offs to loans | -0.0239% | 7,484 |
| Credit loss provision to net charge-offs | -1,100.0000% | 6,540 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2822% | 6,655 |
| Assets per employee ($millions) | 3.2592% | 5,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 3,223 |
| Loan loss allowance to noncurrent loans | 63.8814% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.2648% | 4,148 |
| Noncurrent loans to loans | 2.2715% | 2,899 |
| Net loans and leases to total assets | 54.8734% | 6,370 |
| Net loans and leases to deposits | 62.3369% | 6,705 |
| Net loans and leases to core deposits | 68.4092% | 7,115 |
| Total domestic deposits to total assets | 88.0271% | 1,737 |
| Equity capital to assets | 11.2706% | 2,750 |
| Core capital (leverage) ratio | 11.6812% | 2,054 |
| Tier 1 risk-based capital ratio | 18.1433% | 2,018 |
| Total risk-based capital ratio | 19.4460% | 1,960 |
| Memoranda: | ||
| Average total assets | $28,853,500 | 7,697 |
| Average earning assets | $26,249,500 | 7,675 |
| Average equity | $3,286,000 | 7,694 |
| Average total loans | $16,732,000 | 7,547 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9137% | 5,967 |
| Cost of funding earning assets | 1.8456% | 6,879 |
| Net interest margin | 4.0680% | 2,840 |
| Noninterest income to average assets | 0.7320% | 2,891 |
| Noninterest expense to average assets | 2.7442% | 5,076 |
| Loan and lease loss provision to assets | 0.0813% | 6,372 |
| Net operating income to assets | 1.0574% | 2,324 |
| Return on assets (ROA) | 1.0574% | 2,222 |
| Pretax return on assets | 1.6479% | 1,269 |
| Return on Equity (ROE) | 11.1227% | 1,866 |
| Retained earnings to average equity (ytd only) | 2.5668% | 3,596 |
| Net charge-offs to loans | 0.1935% | 4,251 |
| Credit loss provision to net charge-offs | 76.6667% | 5,963 |
| Earnings coverage of net charge-offs (x) | 16.3000% | 1,855 |
| Efficiency ratio | 61.3439% | 6,099 |
| Assets per employee ($millions) | 3.1527% | 5,616 |
| Cash dividends to net income (ytd only)* | 76.9231% | 1,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3134% | 3,686 |
| Loan loss allowance to noncurrent loans | 152.0270% | 2,434 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 5,614 |
| Noncurrent loans to loans | 0.8639% | 4,895 |
| Net loans and leases to total assets | 59.5827% | 5,971 |
| Net loans and leases to deposits | 67.9474% | 6,467 |
| Net loans and leases to core deposits | 75.5744% | 6,883 |
| Total domestic deposits to total assets | 87.6894% | 1,613 |
| Equity capital to assets | 11.5105% | 2,631 |
| Core capital (leverage) ratio | 11.3117% | 2,360 |
| Tier 1 risk-based capital ratio | 17.2687% | 2,239 |
| Total risk-based capital ratio | 18.4727% | 2,200 |
| Memoranda: | ||
| Average total assets | $28,278,200 | 7,714 |
| Average earning assets | $26,007,600 | 7,690 |
| Average equity | $2,688,200 | 7,930 |
| Average total loans | $15,501,000 | 7,620 |