Home > Citizens State Bank > Performance and Condition Ratios
Citizens State Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3908% | 5,002 |
| Cost of funding earning assets | 0.4704% | 2,344 |
| Net interest margin | 2.9204% | 5,095 |
| Noninterest income to average assets | 0.4584% | 3,490 |
| Noninterest expense to average assets | 2.1858% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8117% | 3,251 |
| Return on assets (ROA) | 0.8612% | 3,129 |
| Pretax return on assets | 0.9428% | 3,683 |
| Return on Equity (ROE) | 4.0768% | 4,807 |
| Retained earnings to average equity (ytd only) | 2.9772% | 3,781 |
| Net charge-offs to loans | 0.3572% | 768 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 8.7683% | 2,838 |
| Efficiency ratio | 71.1013% | 2,727 |
| Assets per employee ($millions) | 5.4214% | 1,934 |
| Cash dividends to net income (ytd only)* | 26.9727% | 3,438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2747% | 418 |
| Loan loss allowance to noncurrent loans | 72.7829% | 4,167 |
| Noncurrent assets plus other real estate owned to assets | 0.9552% | 1,984 |
| Noncurrent loans to loans | 3.1253% | 423 |
| Net loans and leases to total assets | 26.9437% | 5,705 |
| Net loans and leases to deposits | 34.6071% | 5,664 |
| Net loans and leases to core deposits | 37.2353% | 5,655 |
| Total domestic deposits to total assets | 77.8561% | 4,995 |
| Equity capital to assets | 21.9555% | 148 |
| Core capital (leverage) ratio | 15.7457% | 494 |
| Tier 1 risk-based capital ratio | 37.0811% | 272 |
| Total risk-based capital ratio | 38.3339% | 267 |
| Memoranda: | ||
| Average total assets | $80,932,800 | 4,719 |
| Average earning assets | $72,489,600 | 4,748 |
| Average equity | $17,096,600 | 3,540 |
| Average total loans | $22,959,200 | 5,417 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4130% | 4,999 |
| Cost of funding earning assets | 0.4674% | 2,393 |
| Net interest margin | 2.9455% | 5,103 |
| Noninterest income to average assets | 0.4429% | 3,608 |
| Noninterest expense to average assets | 2.1251% | 4,957 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8509% | 3,147 |
| Return on assets (ROA) | 0.9165% | 2,949 |
| Pretax return on assets | 1.0398% | 3,474 |
| Return on Equity (ROE) | 4.3785% | 4,772 |
| Retained earnings to average equity (ytd only) | 2.9216% | 4,152 |
| Net charge-offs to loans | 0.4659% | 455 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.2561% | 2,900 |
| Efficiency ratio | 68.7664% | 3,086 |
| Assets per employee ($millions) | 5.1194% | 2,235 |
| Cash dividends to net income (ytd only)* | 33.2745% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0863% | 619 |
| Loan loss allowance to noncurrent loans | 295.6522% | 1,634 |
| Noncurrent assets plus other real estate owned to assets | 0.2832% | 4,292 |
| Noncurrent loans to loans | 0.7056% | 2,922 |
| Net loans and leases to total assets | 27.2738% | 5,771 |
| Net loans and leases to deposits | 36.1694% | 5,722 |
| Net loans and leases to core deposits | 39.6979% | 5,688 |
| Total domestic deposits to total assets | 75.4059% | 5,299 |
| Equity capital to assets | 21.2440% | 191 |
| Core capital (leverage) ratio | 15.2618% | 583 |
| Tier 1 risk-based capital ratio | 35.0885% | 333 |
| Total risk-based capital ratio | 36.3405% | 329 |
| Memoranda: | ||
| Average total assets | $82,191,250 | 4,725 |
| Average earning assets | $73,873,500 | 4,761 |
| Average equity | $17,204,750 | 3,554 |
| Average total loans | $23,467,500 | 5,459 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4536% | 4,978 |
| Cost of funding earning assets | 0.4702% | 2,372 |
| Net interest margin | 2.9834% | 5,114 |
| Noninterest income to average assets | 0.4472% | 3,545 |
| Noninterest expense to average assets | 2.0781% | 5,106 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9022% | 2,852 |
| Return on assets (ROA) | 0.9649% | 2,695 |
| Pretax return on assets | 1.1254% | 3,104 |
| Return on Equity (ROE) | 4.6326% | 4,661 |
| Retained earnings to average equity (ytd only) | 2.4388% | 4,333 |
| Net charge-offs to loans | -0.0084% | 4,653 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3820% | 3,615 |
| Assets per employee ($millions) | 5.2339% | 2,052 |
| Cash dividends to net income (ytd only)* | 47.3552% | 2,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3563% | 427 |
| Loan loss allowance to noncurrent loans | 106.4762% | 3,578 |
| Noncurrent assets plus other real estate owned to assets | 0.7332% | 2,788 |
| Noncurrent loans to loans | 2.2129% | 849 |
| Net loans and leases to total assets | 27.6620% | 5,833 |
| Net loans and leases to deposits | 37.1890% | 5,761 |
| Net loans and leases to core deposits | 41.1420% | 5,704 |
| Total domestic deposits to total assets | 74.3823% | 5,484 |
| Equity capital to assets | 20.6358% | 202 |
| Core capital (leverage) ratio | 15.0453% | 603 |
| Tier 1 risk-based capital ratio | 32.1009% | 414 |
| Total risk-based capital ratio | 33.3546% | 407 |
| Memoranda: | ||
| Average total assets | $82,285,000 | 4,764 |
| Average earning assets | $74,010,000 | 4,802 |
| Average equity | $17,139,330 | 3,571 |
| Average total loans | $23,684,670 | 5,514 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5593% | 4,738 |
| Cost of funding earning assets | 0.4797% | 2,280 |
| Net interest margin | 3.0796% | 4,922 |
| Noninterest income to average assets | 0.4561% | 3,441 |
| Noninterest expense to average assets | 2.1335% | 5,043 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9119% | 2,691 |
| Return on assets (ROA) | 1.0300% | 2,280 |
| Pretax return on assets | 1.2360% | 2,554 |
| Return on Equity (ROE) | 4.9213% | 4,517 |
| Retained earnings to average equity (ytd only) | 4.9213% | 2,988 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1094% | 3,783 |
| Assets per employee ($millions) | 5.0137% | 2,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3180% | 499 |
| Loan loss allowance to noncurrent loans | 89.5666% | 3,874 |
| Noncurrent assets plus other real estate owned to assets | 0.7766% | 2,754 |
| Noncurrent loans to loans | 2.5881% | 705 |
| Net loans and leases to total assets | 29.3123% | 5,843 |
| Net loans and leases to deposits | 40.4807% | 5,696 |
| Net loans and leases to core deposits | 44.2508% | 5,651 |
| Total domestic deposits to total assets | 72.4105% | 5,743 |
| Equity capital to assets | 21.4687% | 164 |
| Core capital (leverage) ratio | 14.8972% | 621 |
| Tier 1 risk-based capital ratio | 33.5060% | 380 |
| Total risk-based capital ratio | 34.7595% | 372 |
| Memoranda: | ||
| Average total assets | $81,556,000 | 4,826 |
| Average earning assets | $73,386,000 | 4,859 |
| Average equity | $17,068,500 | 3,576 |
| Average total loans | $23,665,000 | 5,563 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4397% | 5,070 |
| Cost of funding earning assets | 0.5012% | 2,144 |
| Net interest margin | 2.9386% | 5,275 |
| Noninterest income to average assets | 0.3358% | 4,498 |
| Noninterest expense to average assets | 2.1848% | 5,073 |
| Loan and lease loss provision to assets | 0.0181% | 4,047 |
| Net operating income to assets | 0.7055% | 3,782 |
| Return on assets (ROA) | 0.7066% | 3,888 |
| Pretax return on assets | 0.7740% | 4,281 |
| Return on Equity (ROE) | 3.4722% | 5,149 |
| Retained earnings to average equity (ytd only) | 1.7864% | 4,713 |
| Net charge-offs to loans | 0.0859% | 2,599 |
| Credit loss provision to net charge-offs | 71.4286% | 3,096 |
| Earnings coverage of net charge-offs (x) | 31.2857% | 1,409 |
| Efficiency ratio | 73.4223% | 2,670 |
| Assets per employee ($millions) | 5.1808% | 2,140 |
| Cash dividends to net income (ytd only)* | 48.5520% | 2,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3992% | 456 |
| Loan loss allowance to noncurrent loans | 63.6986% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.0568% | 2,076 |
| Noncurrent loans to loans | 3.7664% | 342 |
| Net loans and leases to total assets | 27.3847% | 5,953 |
| Net loans and leases to deposits | 40.1606% | 5,768 |
| Net loans and leases to core deposits | 44.0102% | 5,713 |
| Total domestic deposits to total assets | 68.1879% | 5,967 |
| Equity capital to assets | 20.4058% | 199 |
| Core capital (leverage) ratio | 14.3384% | 746 |
| Tier 1 risk-based capital ratio | 31.3209% | 452 |
| Total risk-based capital ratio | 32.5746% | 444 |
| Memoranda: | ||
| Average total assets | $83,075,400 | 4,808 |
| Average earning assets | $74,627,600 | 4,844 |
| Average equity | $16,905,800 | 3,539 |
| Average total loans | $24,452,200 | 5,574 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4450% | 5,108 |
| Cost of funding earning assets | 0.5143% | 2,087 |
| Net interest margin | 2.9307% | 5,353 |
| Noninterest income to average assets | 0.2711% | 4,996 |
| Noninterest expense to average assets | 2.1975% | 5,060 |
| Loan and lease loss provision to assets | 0.0241% | 3,793 |
| Net operating income to assets | 0.6336% | 4,223 |
| Return on assets (ROA) | 0.6336% | 4,334 |
| Pretax return on assets | 0.6817% | 4,744 |
| Return on Equity (ROE) | 3.1156% | 5,344 |
| Retained earnings to average equity (ytd only) | 2.2165% | 4,772 |
| Net charge-offs to loans | 0.1131% | 1,993 |
| Credit loss provision to net charge-offs | 71.4286% | 2,733 |
| Earnings coverage of net charge-offs (x) | 20.9518% | 1,843 |
| Efficiency ratio | 75.6906% | 2,287 |
| Assets per employee ($millions) | 4.9322% | 2,382 |
| Cash dividends to net income (ytd only)* | 28.8617% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2616% | 600 |
| Loan loss allowance to noncurrent loans | 56.9969% | 4,780 |
| Noncurrent assets plus other real estate owned to assets | 1.1676% | 2,028 |
| Noncurrent loans to loans | 3.9679% | 333 |
| Net loans and leases to total assets | 28.7604% | 6,012 |
| Net loans and leases to deposits | 42.5324% | 5,781 |
| Net loans and leases to core deposits | 46.3821% | 5,723 |
| Total domestic deposits to total assets | 67.6200% | 6,050 |
| Equity capital to assets | 20.3141% | 218 |
| Core capital (leverage) ratio | 14.0057% | 865 |
| Tier 1 risk-based capital ratio | 31.5177% | 458 |
| Total risk-based capital ratio | 32.7678% | 454 |
| Memoranda: | ||
| Average total assets | $83,121,000 | 4,866 |
| Average earning assets | $74,657,250 | 4,899 |
| Average equity | $16,903,500 | 3,572 |
| Average total loans | $24,750,750 | 5,631 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4469% | 5,115 |
| Cost of funding earning assets | 0.5216% | 2,056 |
| Net interest margin | 2.9253% | 5,397 |
| Noninterest income to average assets | 0.3137% | 4,712 |
| Noninterest expense to average assets | 2.1453% | 5,237 |
| Loan and lease loss provision to assets | 0.0362% | 3,402 |
| Net operating income to assets | 0.6974% | 3,901 |
| Return on assets (ROA) | 0.6974% | 4,020 |
| Pretax return on assets | 0.7577% | 4,462 |
| Return on Equity (ROE) | 3.4282% | 5,263 |
| Retained earnings to average equity (ytd only) | 2.0759% | 4,664 |
| Net charge-offs to loans | 0.2341% | 1,110 |
| Credit loss provision to net charge-offs | 51.7241% | 2,686 |
| Earnings coverage of net charge-offs (x) | 11.3448% | 2,301 |
| Efficiency ratio | 72.9885% | 2,844 |
| Assets per employee ($millions) | 5.2224% | 2,018 |
| Cash dividends to net income (ytd only)* | 39.4464% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1764% | 764 |
| Loan loss allowance to noncurrent loans | 90.7743% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 0.7264% | 3,202 |
| Noncurrent loans to loans | 2.3976% | 956 |
| Net loans and leases to total assets | 29.6393% | 6,048 |
| Net loans and leases to deposits | 41.8083% | 5,846 |
| Net loans and leases to core deposits | 45.2050% | 5,795 |
| Total domestic deposits to total assets | 70.8933% | 5,992 |
| Equity capital to assets | 20.0974% | 221 |
| Core capital (leverage) ratio | 14.3549% | 749 |
| Tier 1 risk-based capital ratio | 31.3204% | 482 |
| Total risk-based capital ratio | 32.5744% | 477 |
| Memoranda: | ||
| Average total assets | $82,878,670 | 4,919 |
| Average earning assets | $74,385,670 | 4,953 |
| Average equity | $16,860,330 | 3,592 |
| Average total loans | $24,776,670 | 5,671 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4848% | 5,012 |
| Cost of funding earning assets | 0.5303% | 2,015 |
| Net interest margin | 2.9545% | 5,334 |
| Noninterest income to average assets | 0.3489% | 4,410 |
| Noninterest expense to average assets | 2.1372% | 5,308 |
| Loan and lease loss provision to assets | 0.0727% | 2,485 |
| Net operating income to assets | 0.7221% | 3,682 |
| Return on assets (ROA) | 0.7221% | 3,817 |
| Pretax return on assets | 0.7851% | 4,294 |
| Return on Equity (ROE) | 3.5279% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.5279% | 3,881 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3592% | 3,272 |
| Assets per employee ($millions) | 5.0743% | 2,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3961% | 617 |
| Loan loss allowance to noncurrent loans | 108.6142% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.7021% | 3,379 |
| Noncurrent loans to loans | 2.2061% | 1,149 |
| Net loans and leases to total assets | 29.1000% | 6,106 |
| Net loans and leases to deposits | 39.0726% | 5,947 |
| Net loans and leases to core deposits | 42.9431% | 5,870 |
| Total domestic deposits to total assets | 74.4768% | 5,867 |
| Equity capital to assets | 20.9893% | 183 |
| Core capital (leverage) ratio | 14.4478% | 704 |
| Tier 1 risk-based capital ratio | 32.8417% | 429 |
| Total risk-based capital ratio | 34.0974% | 428 |
| Memoranda: | ||
| Average total assets | $82,539,000 | 4,975 |
| Average earning assets | $73,920,000 | 5,004 |
| Average equity | $16,894,000 | 3,603 |
| Average total loans | $24,506,500 | 5,733 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6461% | 4,945 |
| Cost of funding earning assets | 0.5843% | 1,909 |
| Net interest margin | 3.0618% | 5,293 |
| Noninterest income to average assets | 0.5765% | 3,014 |
| Noninterest expense to average assets | 2.1675% | 5,419 |
| Loan and lease loss provision to assets | 0.1468% | 1,797 |
| Net operating income to assets | 0.8815% | 2,963 |
| Return on assets (ROA) | 0.9311% | 2,806 |
| Pretax return on assets | 1.0626% | 3,242 |
| Return on Equity (ROE) | 4.8261% | 4,756 |
| Retained earnings to average equity (ytd only) | 3.0916% | 4,041 |
| Net charge-offs to loans | 0.7352% | 494 |
| Credit loss provision to net charge-offs | 64.4330% | 3,194 |
| Earnings coverage of net charge-offs (x) | 5.0619% | 3,507 |
| Efficiency ratio | 65.2758% | 4,363 |
| Assets per employee ($millions) | 4.9346% | 2,407 |
| Cash dividends to net income (ytd only)* | 35.9395% | 3,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2776% | 742 |
| Loan loss allowance to noncurrent loans | 140.1985% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5948% | 3,805 |
| Noncurrent loans to loans | 1.6245% | 1,802 |
| Net loans and leases to total assets | 28.8977% | 6,209 |
| Net loans and leases to deposits | 41.1747% | 5,992 |
| Net loans and leases to core deposits | 44.7459% | 5,934 |
| Total domestic deposits to total assets | 70.1832% | 6,188 |
| Equity capital to assets | 19.9633% | 228 |
| Core capital (leverage) ratio | 13.6791% | 907 |
| Tier 1 risk-based capital ratio | 27.5664% | 639 |
| Total risk-based capital ratio | 28.7482% | 628 |
| Memoranda: | ||
| Average total assets | $85,168,200 | 4,936 |
| Average earning assets | $76,328,600 | 4,977 |
| Average equity | $16,431,400 | 3,613 |
| Average total loans | $26,386,000 | 5,727 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6372% | 5,043 |
| Cost of funding earning assets | 0.5963% | 1,872 |
| Net interest margin | 3.0408% | 5,403 |
| Noninterest income to average assets | 0.4102% | 4,163 |
| Noninterest expense to average assets | 2.1648% | 5,422 |
| Loan and lease loss provision to assets | 0.0468% | 3,447 |
| Net operating income to assets | 0.8186% | 3,349 |
| Return on assets (ROA) | 0.8172% | 3,448 |
| Pretax return on assets | 0.9249% | 3,886 |
| Return on Equity (ROE) | 4.2724% | 5,049 |
| Retained earnings to average equity (ytd only) | 3.1146% | 4,404 |
| Net charge-offs to loans | 0.4232% | 943 |
| Credit loss provision to net charge-offs | 35.2941% | 3,369 |
| Earnings coverage of net charge-offs (x) | 7.3412% | 2,938 |
| Efficiency ratio | 68.9861% | 3,683 |
| Assets per employee ($millions) | 5.1731% | 2,045 |
| Cash dividends to net income (ytd only)* | 27.0994% | 2,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2783% | 848 |
| Loan loss allowance to noncurrent loans | 169.2982% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 4,118 |
| Noncurrent loans to loans | 1.3457% | 2,393 |
| Net loans and leases to total assets | 30.0052% | 6,249 |
| Net loans and leases to deposits | 41.1169% | 6,082 |
| Net loans and leases to core deposits | 44.5847% | 6,015 |
| Total domestic deposits to total assets | 72.9754% | 6,096 |
| Equity capital to assets | 20.0969% | 229 |
| Core capital (leverage) ratio | 13.5765% | 972 |
| Tier 1 risk-based capital ratio | 27.0014% | 711 |
| Total risk-based capital ratio | 28.2550% | 694 |
| Memoranda: | ||
| Average total assets | $85,488,000 | 4,986 |
| Average earning assets | $76,687,250 | 5,016 |
| Average equity | $16,352,500 | 3,642 |
| Average total loans | $26,780,750 | 5,764 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6062% | 5,134 |
| Cost of funding earning assets | 0.6032% | 1,873 |
| Net interest margin | 3.0030% | 5,512 |
| Noninterest income to average assets | 0.3658% | 4,510 |
| Noninterest expense to average assets | 2.0302% | 5,775 |
| Loan and lease loss provision to assets | 0.0347% | 3,594 |
| Net operating income to assets | 0.8724% | 2,948 |
| Return on assets (ROA) | 0.8704% | 3,044 |
| Pretax return on assets | 0.9954% | 3,493 |
| Return on Equity (ROE) | 4.6252% | 4,852 |
| Retained earnings to average equity (ytd only) | 2.8785% | 4,370 |
| Net charge-offs to loans | 0.3525% | 1,167 |
| Credit loss provision to net charge-offs | 31.2500% | 3,044 |
| Earnings coverage of net charge-offs (x) | 9.2917% | 2,378 |
| Efficiency ratio | 66.2887% | 4,315 |
| Assets per employee ($millions) | 5.3278% | 1,845 |
| Cash dividends to net income (ytd only)* | 37.7660% | 2,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2171% | 1,000 |
| Loan loss allowance to noncurrent loans | 36.9846% | 5,592 |
| Noncurrent assets plus other real estate owned to assets | 2.0177% | 1,585 |
| Noncurrent loans to loans | 5.9945% | 259 |
| Net loans and leases to total assets | 31.0954% | 6,275 |
| Net loans and leases to deposits | 43.0497% | 6,022 |
| Net loans and leases to core deposits | 46.6049% | 5,968 |
| Total domestic deposits to total assets | 72.2315% | 6,237 |
| Equity capital to assets | 19.3585% | 243 |
| Core capital (leverage) ratio | 13.2429% | 1,069 |
| Tier 1 risk-based capital ratio | 26.2129% | 748 |
| Total risk-based capital ratio | 27.4247% | 741 |
| Memoranda: | ||
| Average total assets | $86,394,330 | 5,012 |
| Average earning assets | $77,589,330 | 5,032 |
| Average equity | $16,258,670 | 3,650 |
| Average total loans | $27,236,330 | 5,780 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5680% | 5,251 |
| Cost of funding earning assets | 0.6194% | 1,821 |
| Net interest margin | 2.9486% | 5,645 |
| Noninterest income to average assets | 0.3817% | 4,337 |
| Noninterest expense to average assets | 1.9915% | 5,902 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8803% | 2,742 |
| Return on assets (ROA) | 0.8647% | 2,890 |
| Pretax return on assets | 1.0210% | 3,247 |
| Return on Equity (ROE) | 4.6601% | 4,711 |
| Retained earnings to average equity (ytd only) | 4.6601% | 3,323 |
| Net charge-offs to loans | 0.5275% | 702 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 6.2778% | 2,242 |
| Efficiency ratio | 65.7056% | 4,576 |
| Assets per employee ($millions) | 5.4434% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1729% | 1,210 |
| Loan loss allowance to noncurrent loans | 59.9198% | 4,849 |
| Noncurrent assets plus other real estate owned to assets | 1.1688% | 2,919 |
| Noncurrent loans to loans | 3.6263% | 783 |
| Net loans and leases to total assets | 30.9122% | 6,311 |
| Net loans and leases to deposits | 44.1108% | 5,970 |
| Net loans and leases to core deposits | 47.7875% | 5,887 |
| Total domestic deposits to total assets | 70.0786% | 6,449 |
| Equity capital to assets | 18.7037% | 275 |
| Core capital (leverage) ratio | 12.9372% | 1,189 |
| Tier 1 risk-based capital ratio | 25.6423% | 817 |
| Total risk-based capital ratio | 26.8954% | 797 |
| Memoranda: | ||
| Average total assets | $86,969,500 | 5,045 |
| Average earning assets | $78,140,000 | 5,064 |
| Average equity | $16,137,000 | 3,677 |
| Average total loans | $27,300,500 | 5,837 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4934% | 5,660 |
| Cost of funding earning assets | 0.6905% | 1,884 |
| Net interest margin | 2.8029% | 5,977 |
| Noninterest income to average assets | 0.4560% | 4,049 |
| Noninterest expense to average assets | 1.9645% | 6,084 |
| Loan and lease loss provision to assets | 0.0150% | 4,827 |
| Net operating income to assets | 0.8683% | 2,934 |
| Return on assets (ROA) | 0.8683% | 3,014 |
| Pretax return on assets | 0.9961% | 3,364 |
| Return on Equity (ROE) | 4.6878% | 4,786 |
| Retained earnings to average equity (ytd only) | 3.2516% | 3,914 |
| Net charge-offs to loans | 0.1617% | 3,195 |
| Credit loss provision to net charge-offs | 29.5455% | 4,261 |
| Earnings coverage of net charge-offs (x) | 19.9545% | 1,575 |
| Efficiency ratio | 66.0217% | 4,554 |
| Assets per employee ($millions) | 5.4278% | 1,728 |
| Cash dividends to net income (ytd only)* | 30.6366% | 3,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3412% | 992 |
| Loan loss allowance to noncurrent loans | 67.5186% | 4,563 |
| Noncurrent assets plus other real estate owned to assets | 1.1043% | 3,202 |
| Noncurrent loans to loans | 3.4675% | 915 |
| Net loans and leases to total assets | 30.4523% | 6,444 |
| Net loans and leases to deposits | 44.8055% | 6,081 |
| Net loans and leases to core deposits | 48.6775% | 5,994 |
| Total domestic deposits to total assets | 67.9655% | 6,586 |
| Equity capital to assets | 18.4054% | 293 |
| Core capital (leverage) ratio | 12.5123% | 1,352 |
| Tier 1 risk-based capital ratio | 26.0112% | 773 |
| Total risk-based capital ratio | 27.2655% | 753 |
| Memoranda: | ||
| Average total assets | $86,839,400 | 5,055 |
| Average earning assets | $78,062,000 | 5,088 |
| Average equity | $16,084,400 | 3,686 |
| Average total loans | $27,209,800 | 5,882 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4264% | 5,825 |
| Cost of funding earning assets | 0.7054% | 1,913 |
| Net interest margin | 2.7210% | 6,138 |
| Noninterest income to average assets | 0.4207% | 4,365 |
| Noninterest expense to average assets | 1.9576% | 6,085 |
| Loan and lease loss provision to assets | 0.0200% | 4,604 |
| Net operating income to assets | 0.8061% | 3,315 |
| Return on assets (ROA) | 0.8061% | 3,445 |
| Pretax return on assets | 0.8890% | 3,935 |
| Return on Equity (ROE) | 4.3451% | 5,054 |
| Retained earnings to average equity (ytd only) | 3.3188% | 4,315 |
| Net charge-offs to loans | 0.0440% | 4,280 |
| Credit loss provision to net charge-offs | 144.4444% | 1,626 |
| Earnings coverage of net charge-offs (x) | 65.7758% | 698 |
| Efficiency ratio | 68.2914% | 4,043 |
| Assets per employee ($millions) | 5.2286% | 1,910 |
| Cash dividends to net income (ytd only)* | 23.6192% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4087% | 1,037 |
| Loan loss allowance to noncurrent loans | 73.7596% | 4,278 |
| Noncurrent assets plus other real estate owned to assets | 1.0204% | 3,610 |
| Noncurrent loans to loans | 3.2656% | 1,199 |
| Net loans and leases to total assets | 30.4941% | 6,517 |
| Net loans and leases to deposits | 45.3511% | 6,137 |
| Net loans and leases to core deposits | 49.2165% | 6,057 |
| Total domestic deposits to total assets | 67.2401% | 6,681 |
| Equity capital to assets | 18.0805% | 315 |
| Core capital (leverage) ratio | 12.3312% | 1,503 |
| Tier 1 risk-based capital ratio | 25.4167% | 842 |
| Total risk-based capital ratio | 26.6716% | 824 |
| Memoranda: | ||
| Average total assets | $86,838,250 | 5,103 |
| Average earning assets | $78,057,750 | 5,132 |
| Average equity | $16,109,500 | 3,727 |
| Average total loans | $27,242,250 | 5,941 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3800% | 5,948 |
| Cost of funding earning assets | 0.7287% | 1,851 |
| Net interest margin | 2.6513% | 6,268 |
| Noninterest income to average assets | 0.3946% | 4,567 |
| Noninterest expense to average assets | 1.9685% | 6,099 |
| Loan and lease loss provision to assets | 0.0302% | 4,327 |
| Net operating income to assets | 0.7336% | 3,648 |
| Return on assets (ROA) | 0.7336% | 3,807 |
| Pretax return on assets | 0.7777% | 4,399 |
| Return on Equity (ROE) | 3.9200% | 5,245 |
| Retained earnings to average equity (ytd only) | 2.3818% | 4,786 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9030% | 3,659 |
| Assets per employee ($millions) | 5.1208% | 1,968 |
| Cash dividends to net income (ytd only)* | 39.2405% | 2,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4466% | 1,042 |
| Loan loss allowance to noncurrent loans | 80.8105% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 0.9638% | 3,850 |
| Noncurrent loans to loans | 3.0276% | 1,469 |
| Net loans and leases to total assets | 31.0546% | 6,543 |
| Net loans and leases to deposits | 44.2303% | 6,215 |
| Net loans and leases to core deposits | 47.7059% | 6,146 |
| Total domestic deposits to total assets | 70.2113% | 6,654 |
| Equity capital to assets | 18.2395% | 308 |
| Core capital (leverage) ratio | 12.4248% | 1,399 |
| Tier 1 risk-based capital ratio | 21.1917% | 1,450 |
| Total risk-based capital ratio | 22.2679% | 1,467 |
| Memoranda: | ||
| Average total assets | $86,155,670 | 5,150 |
| Average earning assets | $77,396,000 | 5,186 |
| Average equity | $16,122,330 | 3,755 |
| Average total loans | $27,065,000 | 5,976 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4344% | 5,866 |
| Cost of funding earning assets | 0.7638% | 1,759 |
| Net interest margin | 2.6706% | 6,267 |
| Noninterest income to average assets | 0.3920% | 4,522 |
| Noninterest expense to average assets | 1.9835% | 6,134 |
| Loan and lease loss provision to assets | 0.0607% | 3,628 |
| Net operating income to assets | 0.7001% | 3,683 |
| Return on assets (ROA) | 0.7001% | 3,825 |
| Pretax return on assets | 0.7467% | 4,387 |
| Return on Equity (ROE) | 3.6936% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.6936% | 4,011 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0702% | 3,780 |
| Assets per employee ($millions) | 5.0751% | 2,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5623% | 1,051 |
| Loan loss allowance to noncurrent loans | 79.8587% | 3,948 |
| Noncurrent assets plus other real estate owned to assets | 0.9956% | 3,932 |
| Noncurrent loans to loans | 3.2085% | 1,531 |
| Net loans and leases to total assets | 29.8843% | 6,610 |
| Net loans and leases to deposits | 41.0146% | 6,378 |
| Net loans and leases to core deposits | 45.2786% | 6,251 |
| Total domestic deposits to total assets | 72.8627% | 6,610 |
| Equity capital to assets | 18.9091% | 280 |
| Core capital (leverage) ratio | 12.4004% | 1,383 |
| Tier 1 risk-based capital ratio | 21.9148% | 1,349 |
| Total risk-based capital ratio | 22.8909% | 1,373 |
| Memoranda: | ||
| Average total assets | $85,707,000 | 5,210 |
| Average earning assets | $76,985,500 | 5,235 |
| Average equity | $16,244,500 | 3,781 |
| Average total loans | $26,741,500 | 6,036 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9883% | 5,346 |
| Cost of funding earning assets | 0.8572% | 2,244 |
| Net interest margin | 3.1311% | 5,738 |
| Noninterest income to average assets | 0.4557% | 4,212 |
| Noninterest expense to average assets | 1.9981% | 6,331 |
| Loan and lease loss provision to assets | 0.0889% | 4,580 |
| Net operating income to assets | 0.9205% | 2,708 |
| Return on assets (ROA) | 0.9410% | 2,846 |
| Pretax return on assets | 1.1868% | 2,846 |
| Return on Equity (ROE) | 4.7352% | 4,820 |
| Retained earnings to average equity (ytd only) | 2.5913% | 4,403 |
| Net charge-offs to loans | 0.0811% | 4,861 |
| Credit loss provision to net charge-offs | 300.0000% | 807 |
| Earnings coverage of net charge-offs (x) | 42.1667% | 765 |
| Efficiency ratio | 61.5209% | 5,311 |
| Assets per employee ($millions) | 5.0081% | 2,221 |
| Cash dividends to net income (ytd only)* | 45.2756% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4573% | 1,175 |
| Loan loss allowance to noncurrent loans | 74.8591% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 1.0536% | 3,924 |
| Noncurrent loans to loans | 3.2825% | 1,562 |
| Net loans and leases to total assets | 30.9591% | 6,667 |
| Net loans and leases to deposits | 43.0764% | 6,420 |
| Net loans and leases to core deposits | 48.1258% | 6,261 |
| Total domestic deposits to total assets | 71.8704% | 6,699 |
| Equity capital to assets | 18.9986% | 272 |
| Core capital (leverage) ratio | 12.7460% | 1,222 |
| Tier 1 risk-based capital ratio | 27.9911% | 629 |
| Total risk-based capital ratio | 29.2511% | 611 |
| Memoranda: | ||
| Average total assets | $80,975,600 | 5,328 |
| Average earning assets | $72,210,600 | 5,359 |
| Average equity | $16,092,200 | 3,758 |
| Average total loans | $29,591,200 | 5,968 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1082% | 5,155 |
| Cost of funding earning assets | 0.8655% | 2,426 |
| Net interest margin | 3.2427% | 5,572 |
| Noninterest income to average assets | 0.4403% | 4,362 |
| Noninterest expense to average assets | 2.0233% | 6,318 |
| Loan and lease loss provision to assets | 0.0901% | 4,479 |
| Net operating income to assets | 0.9989% | 2,508 |
| Return on assets (ROA) | 1.0058% | 2,703 |
| Pretax return on assets | 1.2226% | 2,906 |
| Return on Equity (ROE) | 5.0025% | 4,817 |
| Retained earnings to average equity (ytd only) | 5.0025% | 3,361 |
| Net charge-offs to loans | 0.1058% | 4,334 |
| Credit loss provision to net charge-offs | 225.0000% | 1,227 |
| Earnings coverage of net charge-offs (x) | 32.5825% | 1,024 |
| Efficiency ratio | 60.8020% | 5,356 |
| Assets per employee ($millions) | 5.0277% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2695% | 1,579 |
| Loan loss allowance to noncurrent loans | 80.7740% | 3,814 |
| Noncurrent assets plus other real estate owned to assets | 1.0082% | 4,266 |
| Noncurrent loans to loans | 2.8096% | 2,002 |
| Net loans and leases to total assets | 34.6357% | 6,625 |
| Net loans and leases to deposits | 46.6802% | 6,339 |
| Net loans and leases to core deposits | 50.8310% | 6,245 |
| Total domestic deposits to total assets | 74.1979% | 6,587 |
| Equity capital to assets | 20.4667% | 223 |
| Core capital (leverage) ratio | 13.2201% | 1,100 |
| Tier 1 risk-based capital ratio | 24.6394% | 940 |
| Total risk-based capital ratio | 25.9037% | 932 |
| Memoranda: | ||
| Average total assets | $79,935,000 | 5,402 |
| Average earning assets | $71,173,250 | 5,454 |
| Average equity | $16,071,500 | 3,804 |
| Average total loans | $30,233,500 | 6,011 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0460% | 5,494 |
| Cost of funding earning assets | 0.8734% | 2,627 |
| Net interest margin | 3.1725% | 5,814 |
| Noninterest income to average assets | 0.4212% | 4,492 |
| Noninterest expense to average assets | 2.0034% | 6,425 |
| Loan and lease loss provision to assets | 0.0903% | 4,442 |
| Net operating income to assets | 0.9673% | 2,592 |
| Return on assets (ROA) | 0.9779% | 2,792 |
| Pretax return on assets | 1.1634% | 3,066 |
| Return on Equity (ROE) | 4.8931% | 4,853 |
| Retained earnings to average equity (ytd only) | 4.8931% | 3,338 |
| Net charge-offs to loans | 0.1558% | 3,671 |
| Credit loss provision to net charge-offs | 150.0000% | 1,841 |
| Earnings coverage of net charge-offs (x) | 20.6250% | 1,379 |
| Efficiency ratio | 61.7465% | 5,291 |
| Assets per employee ($millions) | 4.7392% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1749% | 1,830 |
| Loan loss allowance to noncurrent loans | 52.1162% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 1.5081% | 3,440 |
| Noncurrent loans to loans | 4.1732% | 1,312 |
| Net loans and leases to total assets | 35.0607% | 6,660 |
| Net loans and leases to deposits | 47.7856% | 6,325 |
| Net loans and leases to core deposits | 53.4900% | 6,130 |
| Total domestic deposits to total assets | 73.3709% | 6,722 |
| Equity capital to assets | 20.0916% | 234 |
| Core capital (leverage) ratio | 13.1016% | 1,121 |
| Tier 1 risk-based capital ratio | 25.0679% | 895 |
| Total risk-based capital ratio | 26.3210% | 879 |
| Memoranda: | ||
| Average total assets | $79,765,670 | 5,438 |
| Average earning assets | $70,984,000 | 5,494 |
| Average equity | $15,940,670 | 3,812 |
| Average total loans | $30,808,330 | 6,023 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1384% | 5,330 |
| Cost of funding earning assets | 0.9014% | 2,676 |
| Net interest margin | 3.2370% | 5,677 |
| Noninterest income to average assets | 0.3881% | 4,761 |
| Noninterest expense to average assets | 2.0311% | 6,408 |
| Loan and lease loss provision to assets | 0.0907% | 4,218 |
| Net operating income to assets | 0.9659% | 2,611 |
| Return on assets (ROA) | 0.9828% | 2,745 |
| Pretax return on assets | 1.1642% | 3,049 |
| Return on Equity (ROE) | 4.9312% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.9312% | 3,599 |
| Net charge-offs to loans | 0.3021% | 2,451 |
| Credit loss provision to net charge-offs | 75.0000% | 2,823 |
| Earnings coverage of net charge-offs (x) | 10.2083% | 1,774 |
| Efficiency ratio | 62.1914% | 5,242 |
| Assets per employee ($millions) | 4.6514% | 2,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9204% | 2,616 |
| Loan loss allowance to noncurrent loans | 48.6056% | 5,149 |
| Noncurrent assets plus other real estate owned to assets | 1.5998% | 3,448 |
| Noncurrent loans to loans | 3.9510% | 1,558 |
| Net loans and leases to total assets | 39.3985% | 6,397 |
| Net loans and leases to deposits | 54.0877% | 5,797 |
| Net loans and leases to core deposits | 60.2639% | 5,505 |
| Total domestic deposits to total assets | 72.8419% | 6,837 |
| Equity capital to assets | 20.1558% | 218 |
| Core capital (leverage) ratio | 13.0137% | 1,125 |
| Tier 1 risk-based capital ratio | 23.7514% | 1,032 |
| Total risk-based capital ratio | 25.0043% | 1,019 |
| Memoranda: | ||
| Average total assets | $79,365,500 | 5,495 |
| Average earning assets | $70,559,000 | 5,542 |
| Average equity | $15,817,500 | 3,842 |
| Average total loans | $31,775,000 | 6,021 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5772% | 4,765 |
| Cost of funding earning assets | 1.0091% | 3,302 |
| Net interest margin | 3.5681% | 4,854 |
| Noninterest income to average assets | 0.6878% | 2,674 |
| Noninterest expense to average assets | 2.1728% | 6,323 |
| Loan and lease loss provision to assets | 0.2801% | 3,428 |
| Net operating income to assets | 1.2716% | 1,317 |
| Return on assets (ROA) | 1.3522% | 1,227 |
| Pretax return on assets | 1.4785% | 1,535 |
| Return on Equity (ROE) | 6.9959% | 3,408 |
| Retained earnings to average equity (ytd only) | 6.9959% | 1,507 |
| Net charge-offs to loans | 0.1906% | 4,619 |
| Credit loss provision to net charge-offs | 352.4590% | 655 |
| Earnings coverage of net charge-offs (x) | 21.0164% | 1,112 |
| Efficiency ratio | 56.5424% | 6,245 |
| Assets per employee ($millions) | 4.6857% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9380% | 2,458 |
| Loan loss allowance to noncurrent loans | 58.6108% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 1.3320% | 4,004 |
| Noncurrent loans to loans | 3.3065% | 1,959 |
| Net loans and leases to total assets | 39.1303% | 6,590 |
| Net loans and leases to deposits | 58.0934% | 5,684 |
| Net loans and leases to core deposits | 64.9375% | 5,370 |
| Total domestic deposits to total assets | 67.3575% | 7,095 |
| Equity capital to assets | 19.7057% | 245 |
| Core capital (leverage) ratio | 12.8037% | 1,216 |
| Tier 1 risk-based capital ratio | 23.1093% | 1,087 |
| Total risk-based capital ratio | 24.3633% | 1,069 |
| Memoranda: | ||
| Average total assets | $76,765,600 | 5,545 |
| Average earning assets | $67,879,200 | 5,617 |
| Average equity | $14,837,200 | 3,946 |
| Average total loans | $32,005,400 | 6,073 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 4,576 |
| Cost of funding earning assets | 1.0240% | 3,516 |
| Net interest margin | 3.6495% | 4,565 |
| Noninterest income to average assets | 0.4629% | 4,195 |
| Noninterest expense to average assets | 2.2110% | 6,254 |
| Loan and lease loss provision to assets | 0.1999% | 4,021 |
| Net operating income to assets | 1.0402% | 2,178 |
| Return on assets (ROA) | 1.1379% | 1,970 |
| Pretax return on assets | 1.3957% | 1,951 |
| Return on Equity (ROE) | 5.9178% | 4,056 |
| Retained earnings to average equity (ytd only) | 5.9178% | 2,603 |
| Net charge-offs to loans | 0.2537% | 3,850 |
| Credit loss provision to net charge-offs | 186.8852% | 1,571 |
| Earnings coverage of net charge-offs (x) | 13.8035% | 1,586 |
| Efficiency ratio | 59.9620% | 5,730 |
| Assets per employee ($millions) | 4.6481% | 2,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 3,698 |
| Loan loss allowance to noncurrent loans | 42.8809% | 5,445 |
| Noncurrent assets plus other real estate owned to assets | 1.5326% | 3,798 |
| Noncurrent loans to loans | 3.7164% | 1,832 |
| Net loans and leases to total assets | 40.2453% | 6,607 |
| Net loans and leases to deposits | 59.4267% | 5,700 |
| Net loans and leases to core deposits | 67.5152% | 5,237 |
| Total domestic deposits to total assets | 67.7225% | 7,152 |
| Equity capital to assets | 19.4108% | 287 |
| Core capital (leverage) ratio | 12.3035% | 1,532 |
| Tier 1 risk-based capital ratio | 21.7491% | 1,332 |
| Total risk-based capital ratio | 22.9797% | 1,302 |
| Memoranda: | ||
| Average total assets | $76,042,750 | 5,612 |
| Average earning assets | $67,185,750 | 5,678 |
| Average equity | $14,622,250 | 3,996 |
| Average total loans | $32,060,250 | 6,132 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7116% | 4,487 |
| Cost of funding earning assets | 1.0420% | 3,658 |
| Net interest margin | 3.6696% | 4,415 |
| Noninterest income to average assets | 0.4264% | 4,459 |
| Noninterest expense to average assets | 2.1958% | 6,396 |
| Loan and lease loss provision to assets | 0.0959% | 5,128 |
| Net operating income to assets | 1.0885% | 1,905 |
| Return on assets (ROA) | 1.1032% | 1,948 |
| Pretax return on assets | 1.3911% | 1,815 |
| Return on Equity (ROE) | 5.7565% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.7565% | 2,565 |
| Net charge-offs to loans | 0.2127% | 3,863 |
| Credit loss provision to net charge-offs | 105.8824% | 2,913 |
| Earnings coverage of net charge-offs (x) | 16.2059% | 1,356 |
| Efficiency ratio | 59.9273% | 5,886 |
| Assets per employee ($millions) | 4.3214% | 3,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4340% | 4,423 |
| Loan loss allowance to noncurrent loans | 34.5753% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 1.7381% | 3,597 |
| Noncurrent loans to loans | 4.1475% | 1,645 |
| Net loans and leases to total assets | 41.0015% | 6,669 |
| Net loans and leases to deposits | 57.8915% | 5,947 |
| Net loans and leases to core deposits | 66.3001% | 5,475 |
| Total domestic deposits to total assets | 70.8247% | 7,066 |
| Equity capital to assets | 19.1065% | 313 |
| Core capital (leverage) ratio | 12.6738% | 1,295 |
| Tier 1 risk-based capital ratio | 21.0471% | 1,408 |
| Total risk-based capital ratio | 22.1484% | 1,421 |
| Memoranda: | ||
| Average total assets | $75,051,000 | 5,691 |
| Average earning assets | $66,219,330 | 5,751 |
| Average equity | $14,383,670 | 4,044 |
| Average total loans | $31,975,000 | 6,200 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7178% | 4,443 |
| Cost of funding earning assets | 1.0759% | 3,686 |
| Net interest margin | 3.6419% | 4,362 |
| Noninterest income to average assets | 0.4289% | 4,464 |
| Noninterest expense to average assets | 2.1714% | 6,485 |
| Loan and lease loss provision to assets | 0.0977% | 4,789 |
| Net operating income to assets | 1.0151% | 2,133 |
| Return on assets (ROA) | 1.0151% | 2,183 |
| Pretax return on assets | 1.3571% | 1,862 |
| Return on Equity (ROE) | 5.2883% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.2883% | 3,017 |
| Net charge-offs to loans | 0.4405% | 2,377 |
| Credit loss provision to net charge-offs | 51.4286% | 3,723 |
| Earnings coverage of net charge-offs (x) | 7.6571% | 1,918 |
| Efficiency ratio | 59.8802% | 5,999 |
| Assets per employee ($millions) | 4.4519% | 2,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4097% | 4,613 |
| Loan loss allowance to noncurrent loans | 33.7879% | 6,045 |
| Noncurrent assets plus other real estate owned to assets | 1.9410% | 3,383 |
| Noncurrent loans to loans | 4.1721% | 1,721 |
| Net loans and leases to total assets | 41.2159% | 6,691 |
| Net loans and leases to deposits | 58.0810% | 5,913 |
| Net loans and leases to core deposits | 65.4820% | 5,567 |
| Total domestic deposits to total assets | 70.9627% | 7,137 |
| Equity capital to assets | 18.8909% | 313 |
| Core capital (leverage) ratio | 12.7321% | 1,225 |
| Tier 1 risk-based capital ratio | 20.9687% | 1,402 |
| Total risk-based capital ratio | 22.0510% | 1,409 |
| Memoranda: | ||
| Average total assets | $73,684,000 | 5,771 |
| Average earning assets | $64,691,000 | 5,834 |
| Average equity | $14,144,500 | 4,084 |
| Average total loans | $31,784,000 | 6,254 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4026% | 2,661 |
| Cost of funding earning assets | 1.2976% | 3,898 |
| Net interest margin | 4.1050% | 2,537 |
| Noninterest income to average assets | 0.5718% | 3,660 |
| Noninterest expense to average assets | 2.4505% | 5,943 |
| Loan and lease loss provision to assets | 0.1141% | 6,023 |
| Net operating income to assets | 1.0806% | 1,759 |
| Return on assets (ROA) | 1.0816% | 1,852 |
| Pretax return on assets | 1.5812% | 1,174 |
| Return on Equity (ROE) | 5.4243% | 3,882 |
| Retained earnings to average equity (ytd only) | 5.4243% | 2,164 |
| Net charge-offs to loans | -0.3044% | 7,572 |
| Credit loss provision to net charge-offs | -78.2178% | 7,021 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3275% | 6,300 |
| Assets per employee ($millions) | 3.9826% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4501% | 4,279 |
| Loan loss allowance to noncurrent loans | 197.0213% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 6,011 |
| Noncurrent loans to loans | 0.7360% | 5,576 |
| Net loans and leases to total assets | 43.8942% | 6,723 |
| Net loans and leases to deposits | 60.8533% | 5,965 |
| Net loans and leases to core deposits | 67.9773% | 5,663 |
| Total domestic deposits to total assets | 72.1312% | 7,072 |
| Equity capital to assets | 19.5185% | 286 |
| Core capital (leverage) ratio | 12.8340% | 1,184 |
| Tier 1 risk-based capital ratio | 20.9794% | 1,318 |
| Total risk-based capital ratio | 22.1285% | 1,310 |
| Memoranda: | ||
| Average total assets | $69,251,200 | 5,907 |
| Average earning assets | $60,267,400 | 5,986 |
| Average equity | $13,808,200 | 4,180 |
| Average total loans | $33,183,800 | 6,250 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5496% | 2,258 |
| Cost of funding earning assets | 1.3337% | 4,022 |
| Net interest margin | 4.2159% | 2,165 |
| Noninterest income to average assets | 0.5905% | 3,503 |
| Noninterest expense to average assets | 2.4027% | 6,031 |
| Loan and lease loss provision to assets | 0.1399% | 5,632 |
| Net operating income to assets | 1.1583% | 1,712 |
| Return on assets (ROA) | 1.1596% | 1,803 |
| Pretax return on assets | 1.7093% | 1,098 |
| Return on Equity (ROE) | 5.7838% | 3,909 |
| Retained earnings to average equity (ytd only) | 5.7838% | 2,485 |
| Net charge-offs to loans | -0.4060% | 7,674 |
| Credit loss provision to net charge-offs | -70.5882% | 6,891 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0786% | 6,544 |
| Assets per employee ($millions) | 3.8798% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 4,511 |
| Loan loss allowance to noncurrent loans | 188.8430% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.7904% | 5,520 |
| Noncurrent loans to loans | 0.7370% | 5,731 |
| Net loans and leases to total assets | 46.3672% | 6,664 |
| Net loans and leases to deposits | 63.2936% | 5,995 |
| Net loans and leases to core deposits | 71.8349% | 5,533 |
| Total domestic deposits to total assets | 73.2573% | 7,008 |
| Equity capital to assets | 20.4350% | 261 |
| Core capital (leverage) ratio | 13.0340% | 1,214 |
| Tier 1 risk-based capital ratio | 20.2646% | 1,493 |
| Total risk-based capital ratio | 21.3801% | 1,486 |
| Memoranda: | ||
| Average total assets | $68,642,500 | 5,987 |
| Average earning assets | $59,582,000 | 6,075 |
| Average equity | $13,762,250 | 4,257 |
| Average total loans | $33,497,500 | 6,318 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6753% | 1,852 |
| Cost of funding earning assets | 1.3453% | 4,214 |
| Net interest margin | 4.3300% | 1,674 |
| Noninterest income to average assets | 0.5480% | 3,729 |
| Noninterest expense to average assets | 2.3650% | 6,171 |
| Loan and lease loss provision to assets | 0.1407% | 5,486 |
| Net operating income to assets | 1.2543% | 1,420 |
| Return on assets (ROA) | 1.2543% | 1,481 |
| Pretax return on assets | 1.7965% | 892 |
| Return on Equity (ROE) | 6.2975% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.2975% | 2,170 |
| Net charge-offs to loans | -0.6050% | 7,747 |
| Credit loss provision to net charge-offs | -47.0588% | 6,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9728% | 6,768 |
| Assets per employee ($millions) | 3.7455% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 5,050 |
| Loan loss allowance to noncurrent loans | 330.5344% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.6556% | 5,858 |
| Noncurrent loans to loans | 0.3864% | 6,466 |
| Net loans and leases to total assets | 49.6448% | 6,471 |
| Net loans and leases to deposits | 66.9293% | 5,694 |
| Net loans and leases to core deposits | 77.2212% | 5,061 |
| Total domestic deposits to total assets | 74.1749% | 6,952 |
| Equity capital to assets | 20.5966% | 255 |
| Core capital (leverage) ratio | 12.7856% | 1,288 |
| Tier 1 risk-based capital ratio | 20.3122% | 1,461 |
| Total risk-based capital ratio | 21.3938% | 1,459 |
| Memoranda: | ||
| Average total assets | $68,244,670 | 6,029 |
| Average earning assets | $59,168,330 | 6,134 |
| Average equity | $13,592,670 | 4,292 |
| Average total loans | $33,717,330 | 6,350 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5469% | 2,376 |
| Cost of funding earning assets | 1.3532% | 4,466 |
| Net interest margin | 4.1937% | 2,064 |
| Noninterest income to average assets | 0.5069% | 3,994 |
| Noninterest expense to average assets | 2.3479% | 6,256 |
| Loan and lease loss provision to assets | 0.1398% | 5,152 |
| Net operating income to assets | 1.1827% | 1,587 |
| Return on assets (ROA) | 1.1827% | 1,666 |
| Pretax return on assets | 1.6662% | 1,128 |
| Return on Equity (ROE) | 6.0390% | 3,862 |
| Retained earnings to average equity (ytd only) | 6.0390% | 2,605 |
| Net charge-offs to loans | -1.2253% | 7,857 |
| Credit loss provision to net charge-offs | -23.3010% | 5,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5217% | 6,694 |
| Assets per employee ($millions) | 4.0415% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2128% | 5,438 |
| Loan loss allowance to noncurrent loans | 308.2707% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.7656% | 5,619 |
| Noncurrent loans to loans | 0.3934% | 6,493 |
| Net loans and leases to total assets | 48.6078% | 6,614 |
| Net loans and leases to deposits | 72.0098% | 5,045 |
| Net loans and leases to core deposits | 79.5010% | 4,831 |
| Total domestic deposits to total assets | 67.5016% | 7,554 |
| Equity capital to assets | 19.8530% | 297 |
| Core capital (leverage) ratio | 12.4998% | 1,403 |
| Tier 1 risk-based capital ratio | 19.4611% | 1,624 |
| Total risk-based capital ratio | 20.4700% | 1,643 |
| Memoranda: | ||
| Average total assets | $68,657,500 | 6,084 |
| Average earning assets | $59,709,000 | 6,183 |
| Average equity | $13,446,000 | 4,365 |
| Average total loans | $33,624,500 | 6,426 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9353% | 2,103 |
| Cost of funding earning assets | 2.0218% | 2,859 |
| Net interest margin | 3.9136% | 3,215 |
| Noninterest income to average assets | 0.5197% | 4,264 |
| Noninterest expense to average assets | 2.4256% | 6,389 |
| Loan and lease loss provision to assets | 0.0700% | 6,878 |
| Net operating income to assets | 1.0659% | 1,604 |
| Return on assets (ROA) | 1.0736% | 1,633 |
| Pretax return on assets | 1.4414% | 1,331 |
| Return on Equity (ROE) | 5.5644% | 3,398 |
| Retained earnings to average equity (ytd only) | 3.0176% | 3,054 |
| Net charge-offs to loans | 0.4067% | 4,191 |
| Credit loss provision to net charge-offs | 36.4341% | 6,857 |
| Earnings coverage of net charge-offs (x) | 7.8140% | 2,060 |
| Efficiency ratio | 61.7747% | 6,195 |
| Assets per employee ($millions) | 4.0359% | 3,745 |
| Cash dividends to net income (ytd only)* | 45.7698% | 2,669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8492% | 6,986 |
| Loan loss allowance to noncurrent loans | 114.5161% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6311% | 5,889 |
| Noncurrent loans to loans | 0.7416% | 5,775 |
| Net loans and leases to total assets | 48.3297% | 6,784 |
| Net loans and leases to deposits | 71.7665% | 5,362 |
| Net loans and leases to core deposits | 93.6510% | 4,712 |
| Total domestic deposits to total assets | 67.3430% | 7,588 |
| Equity capital to assets | 19.3150% | 343 |
| Core capital (leverage) ratio | 11.7352% | 1,794 |
| Tier 1 risk-based capital ratio | 18.7060% | 1,717 |
| Total risk-based capital ratio | 19.3955% | 1,809 |
| Memoranda: | ||
| Average total assets | $67,159,200 | 6,104 |
| Average earning assets | $58,463,400 | 6,201 |
| Average equity | $12,957,400 | 4,519 |
| Average total loans | $31,715,200 | 6,539 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8998% | 2,450 |
| Cost of funding earning assets | 2.1477% | 2,665 |
| Net interest margin | 3.7522% | 3,855 |
| Noninterest income to average assets | 0.5070% | 4,427 |
| Noninterest expense to average assets | 2.3494% | 6,557 |
| Loan and lease loss provision to assets | 0.0359% | 6,996 |
| Net operating income to assets | 1.0578% | 1,869 |
| Return on assets (ROA) | 1.0639% | 1,907 |
| Pretax return on assets | 1.3972% | 1,701 |
| Return on Equity (ROE) | 5.5159% | 3,727 |
| Retained earnings to average equity (ytd only) | 2.1008% | 4,153 |
| Net charge-offs to loans | 0.5498% | 3,034 |
| Credit loss provision to net charge-offs | 13.9535% | 6,603 |
| Earnings coverage of net charge-offs (x) | 5.5348% | 2,794 |
| Efficiency ratio | 62.2422% | 6,065 |
| Assets per employee ($millions) | 4.1853% | 3,404 |
| Cash dividends to net income (ytd only)* | 61.9137% | 1,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7646% | 7,216 |
| Loan loss allowance to noncurrent loans | 276.0870% | 1,081 |
| Noncurrent assets plus other real estate owned to assets | 0.2221% | 6,963 |
| Noncurrent loans to loans | 0.2769% | 6,819 |
| Net loans and leases to total assets | 46.3345% | 7,084 |
| Net loans and leases to deposits | 64.3422% | 6,465 |
| Net loans and leases to core deposits | 89.5891% | 5,476 |
| Total domestic deposits to total assets | 72.0126% | 7,210 |
| Equity capital to assets | 18.5383% | 465 |
| Core capital (leverage) ratio | 11.3521% | 2,158 |
| Tier 1 risk-based capital ratio | 18.2080% | 1,935 |
| Total risk-based capital ratio | 18.8233% | 2,064 |
| Memoranda: | ||
| Average total assets | $66,796,500 | 6,167 |
| Average earning assets | $58,169,500 | 6,245 |
| Average equity | $12,883,750 | 4,568 |
| Average total loans | $31,283,250 | 6,611 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8694% | 2,719 |
| Cost of funding earning assets | 2.2618% | 2,519 |
| Net interest margin | 3.6076% | 4,331 |
| Noninterest income to average assets | 0.5326% | 4,162 |
| Noninterest expense to average assets | 2.3628% | 6,583 |
| Loan and lease loss provision to assets | 0.0796% | 6,393 |
| Net operating income to assets | 0.9667% | 2,218 |
| Return on assets (ROA) | 0.9764% | 2,284 |
| Pretax return on assets | 1.2365% | 2,203 |
| Return on Equity (ROE) | 4.9915% | 4,079 |
| Retained earnings to average equity (ytd only) | 3.1138% | 3,582 |
| Net charge-offs to loans | 0.2742% | 3,824 |
| Credit loss provision to net charge-offs | 61.9048% | 5,564 |
| Earnings coverage of net charge-offs (x) | 10.1429% | 2,026 |
| Efficiency ratio | 64.4407% | 5,818 |
| Assets per employee ($millions) | 4.0599% | 3,573 |
| Cash dividends to net income (ytd only)* | 37.6176% | 2,534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0724% | 5,769 |
| Loan loss allowance to noncurrent loans | 172.7723% | 1,729 |
| Noncurrent assets plus other real estate owned to assets | 0.3535% | 6,570 |
| Noncurrent loans to loans | 0.6207% | 6,014 |
| Net loans and leases to total assets | 46.6466% | 7,151 |
| Net loans and leases to deposits | 62.7008% | 6,688 |
| Net loans and leases to core deposits | 89.1705% | 5,613 |
| Total domestic deposits to total assets | 74.3955% | 6,894 |
| Equity capital to assets | 18.5529% | 497 |
| Core capital (leverage) ratio | 12.0517% | 1,810 |
| Tier 1 risk-based capital ratio | 20.0823% | 1,564 |
| Total risk-based capital ratio | 21.0152% | 1,580 |
| Memoranda: | ||
| Average total assets | $65,345,330 | 6,251 |
| Average earning assets | $56,769,330 | 6,356 |
| Average equity | $12,781,670 | 4,602 |
| Average total loans | $30,637,330 | 6,696 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9448% | 2,585 |
| Cost of funding earning assets | 2.3823% | 2,367 |
| Net interest margin | 3.5625% | 4,477 |
| Noninterest income to average assets | 0.4976% | 4,335 |
| Noninterest expense to average assets | 2.3871% | 6,240 |
| Loan and lease loss provision to assets | 0.0441% | 6,415 |
| Net operating income to assets | 0.8692% | 2,841 |
| Return on assets (ROA) | 0.8692% | 2,989 |
| Pretax return on assets | 1.1463% | 2,812 |
| Return on Equity (ROE) | 4.3226% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.1950% | 4,096 |
| Net charge-offs to loans | 0.2291% | 3,265 |
| Credit loss provision to net charge-offs | 41.1765% | 4,808 |
| Earnings coverage of net charge-offs (x) | 11.1176% | 1,898 |
| Efficiency ratio | 66.7254% | 5,193 |
| Assets per employee ($millions) | 3.8632% | 3,954 |
| Cash dividends to net income (ytd only)* | 26.0870% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1662% | 5,005 |
| Loan loss allowance to noncurrent loans | 127.2401% | 2,471 |
| Noncurrent assets plus other real estate owned to assets | 0.4872% | 6,016 |
| Noncurrent loans to loans | 0.9165% | 5,168 |
| Net loans and leases to total assets | 45.8104% | 7,203 |
| Net loans and leases to deposits | 59.9645% | 6,899 |
| Net loans and leases to core deposits | 88.4388% | 5,695 |
| Total domestic deposits to total assets | 76.3959% | 6,434 |
| Equity capital to assets | 19.6224% | 437 |
| Core capital (leverage) ratio | 12.5689% | 1,661 |
| Tier 1 risk-based capital ratio | 19.5467% | 1,708 |
| Total risk-based capital ratio | 20.4823% | 1,728 |
| Memoranda: | ||
| Average total assets | $63,508,500 | 6,338 |
| Average earning assets | $54,905,000 | 6,465 |
| Average equity | $12,770,000 | 4,636 |
| Average total loans | $29,684,000 | 6,788 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3974% | 3,432 |
| Cost of funding earning assets | 2.7089% | 3,122 |
| Net interest margin | 3.6885% | 4,518 |
| Noninterest income to average assets | 0.6218% | 3,699 |
| Noninterest expense to average assets | 2.5080% | 5,971 |
| Loan and lease loss provision to assets | 0.0208% | 7,131 |
| Net operating income to assets | 0.8849% | 3,065 |
| Return on assets (ROA) | 0.8997% | 2,842 |
| Pretax return on assets | 1.2592% | 2,447 |
| Return on Equity (ROE) | 4.1692% | 4,757 |
| Retained earnings to average equity (ytd only) | 2.5514% | 3,613 |
| Net charge-offs to loans | 0.1176% | 5,086 |
| Credit loss provision to net charge-offs | 36.3636% | 6,478 |
| Earnings coverage of net charge-offs (x) | 21.9697% | 1,500 |
| Efficiency ratio | 66.5745% | 5,007 |
| Assets per employee ($millions) | 3.8339% | 3,895 |
| Cash dividends to net income (ytd only)* | 38.8031% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2618% | 4,039 |
| Loan loss allowance to noncurrent loans | 87.9518% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.6765% | 5,192 |
| Noncurrent loans to loans | 1.4346% | 3,652 |
| Net loans and leases to total assets | 46.5619% | 7,277 |
| Net loans and leases to deposits | 66.3122% | 6,620 |
| Net loans and leases to core deposits | 89.6879% | 5,831 |
| Total domestic deposits to total assets | 70.2162% | 7,253 |
| Equity capital to assets | 20.6270% | 430 |
| Core capital (leverage) ratio | 13.1484% | 1,500 |
| Tier 1 risk-based capital ratio | 20.1805% | 1,587 |
| Total risk-based capital ratio | 21.1877% | 1,591 |
| Memoranda: | ||
| Average total assets | $57,574,800 | 6,467 |
| Average earning assets | $49,098,200 | 6,632 |
| Average equity | $12,424,400 | 4,721 |
| Average total loans | $28,069,200 | 6,841 |