Home > Columbus Junction State Bank > Performance and Condition Ratios
Columbus Junction State Bank, Performance and Condition Ratios
| 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 | 3.5689% | 4,825 |
| Cost of funding earning assets | 0.3455% | 3,801 |
| Net interest margin | 3.2234% | 4,596 |
| Noninterest income to average assets | 0.2659% | 5,033 |
| Noninterest expense to average assets | 3.7220% | 943 |
| Loan and lease loss provision to assets | 0.5496% | 176 |
| Net operating income to assets | -0.9535% | 6,190 |
| Return on assets (ROA) | -0.9075% | 6,185 |
| Pretax return on assets | -0.9075% | 6,178 |
| Return on Equity (ROE) | -11.9082% | 6,198 |
| Retained earnings to average equity (ytd only) | -11.9082% | 6,153 |
| Net charge-offs to loans | 0.6569% | 337 |
| Credit loss provision to net charge-offs | 186.9565% | 1,417 |
| Earnings coverage of net charge-offs (x) | -1.3739% | 4,068 |
| Efficiency ratio | 112.1726% | 131 |
| Assets per employee ($millions) | 3.6150% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0737% | 88 |
| Loan loss allowance to noncurrent loans | 83.9303% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 2.5152% | 689 |
| Noncurrent loans to loans | 4.8536% | 220 |
| Net loans and leases to total assets | 43.4429% | 5,389 |
| Net loans and leases to deposits | 47.4791% | 5,596 |
| Net loans and leases to core deposits | 48.2454% | 5,646 |
| Total domestic deposits to total assets | 91.4991% | 157 |
| Equity capital to assets | 8.2158% | 5,864 |
| Core capital (leverage) ratio | 7.5735% | 6,038 |
| Tier 1 risk-based capital ratio | 13.5442% | 4,118 |
| Total risk-based capital ratio | 14.8157% | 4,030 |
| Memoranda: | ||
| Average total assets | $52,156,750 | 5,574 |
| Average earning assets | $49,388,250 | 5,518 |
| Average equity | $3,974,750 | 5,934 |
| Average total loans | $23,343,000 | 5,677 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5034% | 4,970 |
| Cost of funding earning assets | 0.3484% | 3,824 |
| Net interest margin | 3.1551% | 4,811 |
| Noninterest income to average assets | 0.2821% | 4,936 |
| Noninterest expense to average assets | 3.3892% | 1,489 |
| Loan and lease loss provision to assets | 0.6867% | 126 |
| Net operating income to assets | -0.8018% | 6,240 |
| Return on assets (ROA) | -0.7350% | 6,235 |
| Pretax return on assets | -0.7350% | 6,225 |
| Return on Equity (ROE) | -9.8687% | 6,259 |
| Retained earnings to average equity (ytd only) | -9.8687% | 6,178 |
| Net charge-offs to loans | 0.7075% | 322 |
| Credit loss provision to net charge-offs | 217.6471% | 1,144 |
| Earnings coverage of net charge-offs (x) | -0.3647% | 3,740 |
| Efficiency ratio | 103.5147% | 261 |
| Assets per employee ($millions) | 3.4879% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8155% | 123 |
| Loan loss allowance to noncurrent loans | 71.7715% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 2.3949% | 811 |
| Noncurrent loans to loans | 5.3162% | 201 |
| Net loans and leases to total assets | 41.7745% | 5,516 |
| Net loans and leases to deposits | 45.1673% | 5,714 |
| Net loans and leases to core deposits | 45.8120% | 5,776 |
| Total domestic deposits to total assets | 92.4884% | 85 |
| Equity capital to assets | 7.2899% | 6,146 |
| Core capital (leverage) ratio | 7.1737% | 6,160 |
| Tier 1 risk-based capital ratio | 14.2815% | 3,770 |
| Total risk-based capital ratio | 15.5540% | 3,681 |
| Memoranda: | ||
| Average total assets | $53,877,330 | 5,588 |
| Average earning assets | $51,092,670 | 5,538 |
| Average equity | $4,012,670 | 5,992 |
| Average total loans | $24,029,670 | 5,709 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5163% | 4,911 |
| Cost of funding earning assets | 0.3470% | 3,897 |
| Net interest margin | 3.1693% | 4,717 |
| Noninterest income to average assets | 0.1317% | 5,942 |
| Noninterest expense to average assets | 3.3079% | 1,705 |
| Loan and lease loss provision to assets | 1.3539% | 48 |
| Net operating income to assets | -1.5222% | 6,352 |
| Return on assets (ROA) | -1.3905% | 6,347 |
| Pretax return on assets | -1.3905% | 6,343 |
| Return on Equity (ROE) | -18.4825% | 6,355 |
| Retained earnings to average equity (ytd only) | -18.4825% | 6,258 |
| Net charge-offs to loans | 1.3613% | 148 |
| Credit loss provision to net charge-offs | 220.2381% | 988 |
| Earnings coverage of net charge-offs (x) | -0.2738% | 3,133 |
| Efficiency ratio | 105.3613% | 250 |
| Assets per employee ($millions) | 3.3742% | 5,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6376% | 161 |
| Loan loss allowance to noncurrent loans | 72.9412% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 2.2876% | 985 |
| Noncurrent loans to loans | 4.9870% | 269 |
| Net loans and leases to total assets | 42.5917% | 5,443 |
| Net loans and leases to deposits | 46.1894% | 5,650 |
| Net loans and leases to core deposits | 46.9399% | 5,717 |
| Total domestic deposits to total assets | 92.2111% | 130 |
| Equity capital to assets | 7.5463% | 6,167 |
| Core capital (leverage) ratio | 7.1614% | 6,216 |
| Tier 1 risk-based capital ratio | 13.5253% | 4,311 |
| Total risk-based capital ratio | 14.7966% | 4,215 |
| Memoranda: | ||
| Average total assets | $54,656,500 | 5,624 |
| Average earning assets | $51,872,000 | 5,566 |
| Average equity | $4,112,000 | 6,028 |
| Average total loans | $24,683,000 | 5,725 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9072% | 4,101 |
| Cost of funding earning assets | 0.4428% | 3,239 |
| Net interest margin | 3.4644% | 3,923 |
| Noninterest income to average assets | 0.2638% | 5,242 |
| Noninterest expense to average assets | 3.4914% | 1,503 |
| Loan and lease loss provision to assets | 0.0311% | 3,978 |
| Net operating income to assets | 0.0083% | 6,081 |
| Return on assets (ROA) | 0.0971% | 5,988 |
| Pretax return on assets | 0.1026% | 5,988 |
| Return on Equity (ROE) | 1.3391% | 5,925 |
| Retained earnings to average equity (ytd only) | 1.3391% | 5,175 |
| Net charge-offs to loans | 0.3320% | 1,330 |
| Credit loss provision to net charge-offs | 18.8889% | 3,986 |
| Earnings coverage of net charge-offs (x) | 0.2444% | 4,677 |
| Efficiency ratio | 98.8589% | 388 |
| Assets per employee ($millions) | 3.6884% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0074% | 296 |
| Loan loss allowance to noncurrent loans | 61.1643% | 4,777 |
| Noncurrent assets plus other real estate owned to assets | 2.4166% | 962 |
| Noncurrent loans to loans | 4.9169% | 306 |
| Net loans and leases to total assets | 44.7113% | 5,424 |
| Net loans and leases to deposits | 48.4545% | 5,659 |
| Net loans and leases to core deposits | 49.2210% | 5,751 |
| Total domestic deposits to total assets | 92.2749% | 119 |
| Equity capital to assets | 7.5010% | 6,233 |
| Core capital (leverage) ratio | 7.5171% | 6,197 |
| Tier 1 risk-based capital ratio | 14.2803% | 3,913 |
| Total risk-based capital ratio | 15.5466% | 3,829 |
| Memoranda: | ||
| Average total assets | $54,592,000 | 5,687 |
| Average earning assets | $51,495,000 | 5,631 |
| Average equity | $3,957,800 | 6,097 |
| Average total loans | $27,107,000 | 5,691 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9895% | 3,801 |
| Cost of funding earning assets | 0.4681% | 3,067 |
| Net interest margin | 3.5214% | 3,750 |
| Noninterest income to average assets | 0.2794% | 5,202 |
| Noninterest expense to average assets | 3.5900% | 1,313 |
| Loan and lease loss provision to assets | 0.0417% | 3,568 |
| Net operating income to assets | -0.0330% | 6,167 |
| Return on assets (ROA) | 0.0858% | 6,071 |
| Pretax return on assets | 0.0907% | 6,071 |
| Return on Equity (ROE) | 1.1937% | 6,005 |
| Retained earnings to average equity (ytd only) | 1.1937% | 5,414 |
| Net charge-offs to loans | 0.2666% | 1,467 |
| Credit loss provision to net charge-offs | 30.9091% | 3,441 |
| Earnings coverage of net charge-offs (x) | 0.0545% | 4,440 |
| Efficiency ratio | 99.7956% | 375 |
| Assets per employee ($millions) | 3.4088% | 5,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0656% | 336 |
| Loan loss allowance to noncurrent loans | 65.2033% | 4,631 |
| Noncurrent assets plus other real estate owned to assets | 2.5503% | 1,014 |
| Noncurrent loans to loans | 4.7017% | 407 |
| Net loans and leases to total assets | 49.5952% | 5,049 |
| Net loans and leases to deposits | 54.1454% | 5,376 |
| Net loans and leases to core deposits | 54.9824% | 5,504 |
| Total domestic deposits to total assets | 91.5963% | 212 |
| Equity capital to assets | 8.1280% | 6,059 |
| Core capital (leverage) ratio | 7.7520% | 6,190 |
| Tier 1 risk-based capital ratio | 14.3442% | 3,992 |
| Total risk-based capital ratio | 15.6113% | 3,911 |
| Memoranda: | ||
| Average total assets | $54,408,500 | 5,749 |
| Average earning assets | $51,266,500 | 5,698 |
| Average equity | $3,909,750 | 6,174 |
| Average total loans | $27,507,750 | 5,731 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0138% | 3,679 |
| Cost of funding earning assets | 0.4826% | 3,002 |
| Net interest margin | 3.5312% | 3,651 |
| Noninterest income to average assets | 0.2378% | 5,496 |
| Noninterest expense to average assets | 3.6216% | 1,257 |
| Loan and lease loss provision to assets | 0.0613% | 3,045 |
| Net operating income to assets | -0.1115% | 6,265 |
| Return on assets (ROA) | 0.0360% | 6,179 |
| Pretax return on assets | 0.0396% | 6,161 |
| Return on Equity (ROE) | 0.5225% | 6,146 |
| Retained earnings to average equity (ytd only) | 0.5225% | 5,529 |
| Net charge-offs to loans | 0.4006% | 1,012 |
| Credit loss provision to net charge-offs | 30.3571% | 3,054 |
| Earnings coverage of net charge-offs (x) | -0.3036% | 4,163 |
| Efficiency ratio | 101.7206% | 361 |
| Assets per employee ($millions) | 3.0892% | 5,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0216% | 375 |
| Loan loss allowance to noncurrent loans | 51.6774% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 2.9925% | 848 |
| Noncurrent loans to loans | 5.8471% | 279 |
| Net loans and leases to total assets | 46.2324% | 5,340 |
| Net loans and leases to deposits | 50.0136% | 5,635 |
| Net loans and leases to core deposits | 50.9756% | 5,733 |
| Total domestic deposits to total assets | 92.4397% | 122 |
| Equity capital to assets | 7.2852% | 6,394 |
| Core capital (leverage) ratio | 7.1815% | 6,399 |
| Tier 1 risk-based capital ratio | 13.6660% | 4,478 |
| Total risk-based capital ratio | 14.9342% | 4,411 |
| Memoranda: | ||
| Average total assets | $55,500,670 | 5,776 |
| Average earning assets | $52,219,670 | 5,728 |
| Average equity | $3,827,670 | 6,237 |
| Average total loans | $27,956,670 | 5,750 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0863% | 3,341 |
| Cost of funding earning assets | 0.5069% | 2,827 |
| Net interest margin | 3.5793% | 3,337 |
| Noninterest income to average assets | 0.2092% | 5,688 |
| Noninterest expense to average assets | 3.5565% | 1,387 |
| Loan and lease loss provision to assets | 0.1226% | 1,965 |
| Net operating income to assets | -0.1082% | 6,291 |
| Return on assets (ROA) | -0.0361% | 6,244 |
| Pretax return on assets | -0.0361% | 6,240 |
| Return on Equity (ROE) | -0.5382% | 6,260 |
| Retained earnings to average equity (ytd only) | -0.5382% | 5,652 |
| Net charge-offs to loans | 0.3208% | 1,109 |
| Credit loss provision to net charge-offs | 73.9130% | 1,961 |
| Earnings coverage of net charge-offs (x) | 0.0870% | 3,423 |
| Efficiency ratio | 99.5960% | 477 |
| Assets per employee ($millions) | 3.2712% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9538% | 456 |
| Loan loss allowance to noncurrent loans | 35.1774% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 4.3391% | 515 |
| Noncurrent loans to loans | 8.3969% | 147 |
| Net loans and leases to total assets | 49.2133% | 4,977 |
| Net loans and leases to deposits | 53.0110% | 5,380 |
| Net loans and leases to core deposits | 54.0240% | 5,496 |
| Total domestic deposits to total assets | 92.8359% | 134 |
| Equity capital to assets | 6.8907% | 6,471 |
| Core capital (leverage) ratio | 7.3084% | 6,399 |
| Tier 1 risk-based capital ratio | 12.7590% | 5,154 |
| Total risk-based capital ratio | 14.0261% | 5,080 |
| Memoranda: | ||
| Average total assets | $55,448,000 | 5,831 |
| Average earning assets | $52,076,500 | 5,786 |
| Average equity | $3,716,000 | 6,303 |
| Average total loans | $28,680,500 | 5,766 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9017% | 4,457 |
| Cost of funding earning assets | 0.5429% | 3,172 |
| Net interest margin | 3.3588% | 4,440 |
| Noninterest income to average assets | 0.2225% | 5,744 |
| Noninterest expense to average assets | 2.8576% | 3,501 |
| Loan and lease loss provision to assets | 1.8408% | 57 |
| Net operating income to assets | -1.3037% | 6,649 |
| Return on assets (ROA) | -1.2394% | 6,644 |
| Pretax return on assets | -1.2394% | 6,636 |
| Return on Equity (ROE) | -16.1028% | 6,655 |
| Retained earnings to average equity (ytd only) | -17.7966% | 6,648 |
| Net charge-offs to loans | 2.3620% | 128 |
| Credit loss provision to net charge-offs | 150.2128% | 1,543 |
| Earnings coverage of net charge-offs (x) | 0.4383% | 4,933 |
| Efficiency ratio | 84.1782% | 1,607 |
| Assets per employee ($millions) | 3.2521% | 5,386 |
| Cash dividends to net income (ytd only)* | -10.5189% | 6,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8807% | 536 |
| Loan loss allowance to noncurrent loans | 35.6083% | 5,764 |
| Noncurrent assets plus other real estate owned to assets | 4.4316% | 573 |
| Noncurrent loans to loans | 8.0898% | 186 |
| Net loans and leases to total assets | 51.2255% | 4,948 |
| Net loans and leases to deposits | 54.9412% | 5,386 |
| Net loans and leases to core deposits | 55.9905% | 5,537 |
| Total domestic deposits to total assets | 93.2369% | 115 |
| Equity capital to assets | 6.5117% | 6,568 |
| Core capital (leverage) ratio | 7.1606% | 6,486 |
| Tier 1 risk-based capital ratio | 12.6098% | 5,226 |
| Total risk-based capital ratio | 13.8760% | 5,160 |
| Memoranda: | ||
| Average total assets | $57,530,000 | 5,822 |
| Average earning assets | $54,335,400 | 5,753 |
| Average equity | $4,427,800 | 6,227 |
| Average total loans | $29,847,600 | 5,770 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9974% | 4,142 |
| Cost of funding earning assets | 0.5495% | 3,266 |
| Net interest margin | 3.4478% | 4,092 |
| Noninterest income to average assets | 0.2295% | 5,792 |
| Noninterest expense to average assets | 2.7221% | 3,934 |
| Loan and lease loss provision to assets | 1.1246% | 130 |
| Net operating income to assets | -0.3626% | 6,549 |
| Return on assets (ROA) | -0.2777% | 6,528 |
| Pretax return on assets | -0.2777% | 6,507 |
| Return on Equity (ROE) | -3.4809% | 6,546 |
| Retained earnings to average equity (ytd only) | -5.6385% | 6,519 |
| Net charge-offs to loans | 0.4042% | 1,587 |
| Credit loss provision to net charge-offs | 538.4615% | 524 |
| Earnings coverage of net charge-offs (x) | 3.6484% | 3,646 |
| Efficiency ratio | 78.1291% | 2,403 |
| Assets per employee ($millions) | 3.3349% | 5,215 |
| Cash dividends to net income (ytd only)* | -61.9848% | 6,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9537% | 577 |
| Loan loss allowance to noncurrent loans | 78.2493% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.0990% | 1,904 |
| Noncurrent loans to loans | 3.7748% | 972 |
| Net loans and leases to total assets | 51.2885% | 4,968 |
| Net loans and leases to deposits | 59.3275% | 5,053 |
| Net loans and leases to core deposits | 60.5607% | 5,253 |
| Total domestic deposits to total assets | 86.4498% | 2,990 |
| Equity capital to assets | 7.3713% | 6,436 |
| Core capital (leverage) ratio | 7.9873% | 6,231 |
| Tier 1 risk-based capital ratio | 14.1739% | 4,300 |
| Total risk-based capital ratio | 15.4436% | 4,236 |
| Memoranda: | ||
| Average total assets | $58,091,250 | 5,871 |
| Average earning assets | $54,835,000 | 5,800 |
| Average equity | $4,634,750 | 6,236 |
| Average total loans | $30,019,500 | 5,816 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9866% | 4,160 |
| Cost of funding earning assets | 0.5468% | 3,453 |
| Net interest margin | 3.4398% | 4,044 |
| Noninterest income to average assets | 0.2220% | 5,857 |
| Noninterest expense to average assets | 2.6914% | 4,060 |
| Loan and lease loss provision to assets | 0.2049% | 1,846 |
| Net operating income to assets | 0.5425% | 4,589 |
| Return on assets (ROA) | 0.6626% | 4,157 |
| Pretax return on assets | 0.6968% | 4,690 |
| Return on Equity (ROE) | 8.1058% | 3,039 |
| Retained earnings to average equity (ytd only) | 5.5989% | 2,676 |
| Net charge-offs to loans | 0.0266% | 4,323 |
| Credit loss provision to net charge-offs | 1,500.0000% | 208 |
| Earnings coverage of net charge-offs (x) | 56.7500% | 731 |
| Efficiency ratio | 77.6355% | 2,519 |
| Assets per employee ($millions) | 3.6862% | 4,425 |
| Cash dividends to net income (ytd only)* | 30.9278% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7814% | 2,492 |
| Loan loss allowance to noncurrent loans | 86.0317% | 3,838 |
| Noncurrent assets plus other real estate owned to assets | 1.0682% | 3,609 |
| Noncurrent loans to loans | 2.0707% | 2,311 |
| Net loans and leases to total assets | 50.6672% | 5,039 |
| Net loans and leases to deposits | 55.1897% | 5,422 |
| Net loans and leases to core deposits | 56.8258% | 5,537 |
| Total domestic deposits to total assets | 91.8056% | 290 |
| Equity capital to assets | 7.1093% | 6,576 |
| Core capital (leverage) ratio | 8.2644% | 5,933 |
| Tier 1 risk-based capital ratio | 14.6877% | 3,978 |
| Total risk-based capital ratio | 15.9222% | 3,949 |
| Memoranda: | ||
| Average total assets | $58,557,330 | 5,894 |
| Average earning assets | $55,235,330 | 5,818 |
| Average equity | $4,786,670 | 6,245 |
| Average total loans | $30,038,670 | 5,843 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0080% | 4,085 |
| Cost of funding earning assets | 0.5538% | 3,534 |
| Net interest margin | 3.4542% | 3,884 |
| Noninterest income to average assets | 0.1988% | 6,050 |
| Noninterest expense to average assets | 2.6120% | 4,364 |
| Loan and lease loss provision to assets | 0.1028% | 2,961 |
| Net operating income to assets | 0.6993% | 3,690 |
| Return on assets (ROA) | 0.8295% | 3,151 |
| Pretax return on assets | 0.8707% | 3,870 |
| Return on Equity (ROE) | 9.5210% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.5210% | 1,236 |
| Net charge-offs to loans | 0.0536% | 3,290 |
| Credit loss provision to net charge-offs | 375.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 954 |
| Efficiency ratio | 75.7455% | 2,967 |
| Assets per employee ($millions) | 3.4696% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6760% | 3,110 |
| Loan loss allowance to noncurrent loans | 76.8161% | 4,058 |
| Noncurrent assets plus other real estate owned to assets | 1.0969% | 3,737 |
| Noncurrent loans to loans | 2.1818% | 2,409 |
| Net loans and leases to total assets | 49.4320% | 5,059 |
| Net loans and leases to deposits | 54.2093% | 5,416 |
| Net loans and leases to core deposits | 55.8253% | 5,534 |
| Total domestic deposits to total assets | 91.1874% | 449 |
| Equity capital to assets | 8.5837% | 5,933 |
| Core capital (leverage) ratio | 8.5077% | 5,581 |
| Tier 1 risk-based capital ratio | 14.7261% | 4,014 |
| Total risk-based capital ratio | 15.9787% | 3,987 |
| Memoranda: | ||
| Average total assets | $58,346,500 | 5,953 |
| Average earning assets | $54,890,000 | 5,874 |
| Average equity | $5,083,500 | 6,224 |
| Average total loans | $29,845,500 | 5,901 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 3,997 |
| Cost of funding earning assets | 0.6763% | 3,677 |
| Net interest margin | 3.6816% | 3,734 |
| Noninterest income to average assets | 0.2415% | 5,720 |
| Noninterest expense to average assets | 2.7206% | 4,332 |
| Loan and lease loss provision to assets | 0.4706% | 1,320 |
| Net operating income to assets | 0.4865% | 4,738 |
| Return on assets (ROA) | 1.0247% | 2,444 |
| Pretax return on assets | 1.0780% | 3,239 |
| Return on Equity (ROE) | 11.2814% | 1,721 |
| Retained earnings to average equity (ytd only) | 7.8012% | 1,191 |
| Net charge-offs to loans | 0.8827% | 1,295 |
| Credit loss provision to net charge-offs | 101.5326% | 2,984 |
| Earnings coverage of net charge-offs (x) | 2.1188% | 4,355 |
| Efficiency ratio | 73.4772% | 3,159 |
| Assets per employee ($millions) | 3.6068% | 4,764 |
| Cash dividends to net income (ytd only)* | 30.8492% | 3,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6180% | 3,227 |
| Loan loss allowance to noncurrent loans | 73.9726% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 1.1385% | 3,756 |
| Noncurrent loans to loans | 2.1873% | 2,482 |
| Net loans and leases to total assets | 51.2069% | 5,008 |
| Net loans and leases to deposits | 56.3595% | 5,408 |
| Net loans and leases to core deposits | 57.7394% | 5,573 |
| Total domestic deposits to total assets | 90.8576% | 542 |
| Equity capital to assets | 8.8444% | 5,693 |
| Core capital (leverage) ratio | 8.5743% | 5,502 |
| Tier 1 risk-based capital ratio | 14.4556% | 4,064 |
| Total risk-based capital ratio | 15.7071% | 4,018 |
| Memoranda: | ||
| Average total assets | $56,310,200 | 6,016 |
| Average earning assets | $52,938,800 | 5,958 |
| Average equity | $5,114,600 | 6,264 |
| Average total loans | $29,567,600 | 5,972 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 3,912 |
| Cost of funding earning assets | 0.6980% | 3,784 |
| Net interest margin | 3.7352% | 3,636 |
| Noninterest income to average assets | 0.2430% | 5,807 |
| Noninterest expense to average assets | 2.7066% | 4,338 |
| Loan and lease loss provision to assets | 0.4289% | 1,485 |
| Net operating income to assets | 0.5962% | 4,413 |
| Return on assets (ROA) | 1.2413% | 1,770 |
| Pretax return on assets | 1.3057% | 2,592 |
| Return on Equity (ROE) | 13.5747% | 1,203 |
| Retained earnings to average equity (ytd only) | 11.5423% | 604 |
| Net charge-offs to loans | 0.9145% | 1,188 |
| Credit loss provision to net charge-offs | 89.1089% | 3,323 |
| Earnings coverage of net charge-offs (x) | 2.1930% | 4,165 |
| Efficiency ratio | 71.9443% | 3,341 |
| Assets per employee ($millions) | 3.4405% | 5,111 |
| Cash dividends to net income (ytd only)* | 14.9716% | 3,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5562% | 3,703 |
| Loan loss allowance to noncurrent loans | 51.9187% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 1.6095% | 3,182 |
| Noncurrent loans to loans | 2.9973% | 1,866 |
| Net loans and leases to total assets | 52.8630% | 4,935 |
| Net loans and leases to deposits | 61.0844% | 5,074 |
| Net loans and leases to core deposits | 62.7832% | 5,283 |
| Total domestic deposits to total assets | 86.5408% | 2,958 |
| Equity capital to assets | 9.6152% | 5,037 |
| Core capital (leverage) ratio | 8.8082% | 5,335 |
| Tier 1 risk-based capital ratio | 15.3256% | 3,631 |
| Total risk-based capital ratio | 16.5654% | 3,591 |
| Memoranda: | ||
| Average total assets | $55,960,500 | 6,093 |
| Average earning assets | $52,722,250 | 6,036 |
| Average equity | $5,117,250 | 6,332 |
| Average total loans | $29,450,250 | 6,048 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5481% | 3,571 |
| Cost of funding earning assets | 0.7108% | 3,933 |
| Net interest margin | 3.8374% | 3,193 |
| Noninterest income to average assets | 0.2346% | 5,888 |
| Noninterest expense to average assets | 2.7015% | 4,418 |
| Loan and lease loss provision to assets | 0.5865% | 1,023 |
| Net operating income to assets | 0.5270% | 4,693 |
| Return on assets (ROA) | 1.4894% | 1,131 |
| Pretax return on assets | 1.5676% | 1,649 |
| Return on Equity (ROE) | 16.5656% | 692 |
| Retained earnings to average equity (ytd only) | 15.0632% | 280 |
| Net charge-offs to loans | 1.3327% | 788 |
| Credit loss provision to net charge-offs | 84.1837% | 3,205 |
| Earnings coverage of net charge-offs (x) | 1.6378% | 4,172 |
| Efficiency ratio | 70.3053% | 3,712 |
| Assets per employee ($millions) | 3.5831% | 4,782 |
| Cash dividends to net income (ytd only)* | 9.0692% | 3,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5487% | 3,791 |
| Loan loss allowance to noncurrent loans | 74.6689% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1286% | 4,133 |
| Noncurrent loans to loans | 2.0741% | 2,858 |
| Net loans and leases to total assets | 50.0096% | 5,354 |
| Net loans and leases to deposits | 55.0468% | 5,766 |
| Net loans and leases to core deposits | 56.4359% | 5,906 |
| Total domestic deposits to total assets | 90.8493% | 506 |
| Equity capital to assets | 8.8402% | 5,867 |
| Core capital (leverage) ratio | 8.3516% | 5,846 |
| Tier 1 risk-based capital ratio | 15.1400% | 3,671 |
| Total risk-based capital ratio | 16.3868% | 3,641 |
| Memoranda: | ||
| Average total assets | $56,264,670 | 6,132 |
| Average earning assets | $52,901,000 | 6,066 |
| Average equity | $5,058,670 | 6,374 |
| Average total loans | $29,413,670 | 6,095 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7088% | 3,022 |
| Cost of funding earning assets | 0.7403% | 3,941 |
| Net interest margin | 3.9685% | 2,637 |
| Noninterest income to average assets | 0.1794% | 6,305 |
| Noninterest expense to average assets | 2.7919% | 4,064 |
| Loan and lease loss provision to assets | 1.0766% | 371 |
| Net operating income to assets | 0.0431% | 6,346 |
| Return on assets (ROA) | 0.0431% | 6,463 |
| Pretax return on assets | 0.0431% | 6,461 |
| Return on Equity (ROE) | 0.4749% | 6,450 |
| Retained earnings to average equity (ytd only) | 0.4749% | 5,848 |
| Net charge-offs to loans | 2.6793% | 295 |
| Credit loss provision to net charge-offs | 75.7576% | 2,805 |
| Earnings coverage of net charge-offs (x) | 0.7879% | 3,940 |
| Efficiency ratio | 71.3761% | 3,561 |
| Assets per employee ($millions) | 3.4858% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 4,281 |
| Loan loss allowance to noncurrent loans | 77.5000% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0812% | 4,331 |
| Noncurrent loans to loans | 1.9016% | 3,279 |
| Net loans and leases to total assets | 52.0243% | 5,026 |
| Net loans and leases to deposits | 57.4623% | 5,440 |
| Net loans and leases to core deposits | 59.4058% | 5,585 |
| Total domestic deposits to total assets | 90.5365% | 784 |
| Equity capital to assets | 9.0978% | 5,359 |
| Core capital (leverage) ratio | 7.9994% | 6,265 |
| Tier 1 risk-based capital ratio | 14.1072% | 4,393 |
| Total risk-based capital ratio | 15.3600% | 4,362 |
| Memoranda: | ||
| Average total assets | $55,732,500 | 6,182 |
| Average earning assets | $52,412,500 | 6,124 |
| Average equity | $5,054,000 | 6,412 |
| Average total loans | $29,560,000 | 6,135 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7686% | 3,950 |
| Cost of funding earning assets | 0.9708% | 3,575 |
| Net interest margin | 3.7978% | 3,825 |
| Noninterest income to average assets | 0.2597% | 5,677 |
| Noninterest expense to average assets | 2.7964% | 4,362 |
| Loan and lease loss provision to assets | 0.2597% | 3,615 |
| Net operating income to assets | 0.7347% | 3,317 |
| Return on assets (ROA) | 0.7590% | 3,382 |
| Pretax return on assets | 0.7992% | 3,981 |
| Return on Equity (ROE) | 8.7225% | 2,580 |
| Retained earnings to average equity (ytd only) | 5.6118% | 2,236 |
| Net charge-offs to loans | 0.7132% | 2,378 |
| Credit loss provision to net charge-offs | 72.0812% | 4,772 |
| Earnings coverage of net charge-offs (x) | 2.8680% | 3,777 |
| Efficiency ratio | 73.0181% | 3,389 |
| Assets per employee ($millions) | 3.4808% | 5,063 |
| Cash dividends to net income (ytd only)* | 35.6627% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6245% | 3,496 |
| Loan loss allowance to noncurrent loans | 69.0544% | 4,099 |
| Noncurrent assets plus other real estate owned to assets | 1.2784% | 4,086 |
| Noncurrent loans to loans | 2.3525% | 2,789 |
| Net loans and leases to total assets | 52.4105% | 5,249 |
| Net loans and leases to deposits | 57.8825% | 5,704 |
| Net loans and leases to core deposits | 59.8368% | 5,862 |
| Total domestic deposits to total assets | 90.5464% | 693 |
| Equity capital to assets | 9.0388% | 5,508 |
| Core capital (leverage) ratio | 7.9524% | 6,310 |
| Tier 1 risk-based capital ratio | 13.9417% | 4,367 |
| Total risk-based capital ratio | 15.1943% | 4,324 |
| Memoranda: | ||
| Average total assets | $54,677,800 | 6,208 |
| Average earning assets | $51,398,800 | 6,147 |
| Average equity | $4,757,800 | 6,518 |
| Average total loans | $27,620,200 | 6,264 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7876% | 4,074 |
| Cost of funding earning assets | 1.0164% | 3,560 |
| Net interest margin | 3.7712% | 4,008 |
| Noninterest income to average assets | 0.2572% | 5,783 |
| Noninterest expense to average assets | 2.9006% | 3,928 |
| Loan and lease loss provision to assets | 0.0147% | 6,247 |
| Net operating income to assets | 0.8415% | 2,979 |
| Return on assets (ROA) | 0.8648% | 3,037 |
| Pretax return on assets | 0.9113% | 3,716 |
| Return on Equity (ROE) | 10.0379% | 2,183 |
| Retained earnings to average equity (ytd only) | 7.3649% | 1,789 |
| Net charge-offs to loans | 0.1525% | 4,548 |
| Credit loss provision to net charge-offs | 19.3548% | 5,568 |
| Earnings coverage of net charge-offs (x) | 11.8715% | 1,769 |
| Efficiency ratio | 76.2887% | 2,799 |
| Assets per employee ($millions) | 3.3782% | 5,302 |
| Cash dividends to net income (ytd only)* | 26.6291% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8103% | 2,909 |
| Loan loss allowance to noncurrent loans | 75.5162% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.2803% | 4,246 |
| Noncurrent loans to loans | 2.3972% | 2,892 |
| Net loans and leases to total assets | 51.3793% | 5,530 |
| Net loans and leases to deposits | 59.0219% | 5,745 |
| Net loans and leases to core deposits | 61.1104% | 5,900 |
| Total domestic deposits to total assets | 87.0511% | 2,622 |
| Equity capital to assets | 9.4374% | 5,186 |
| Core capital (leverage) ratio | 8.1094% | 6,270 |
| Tier 1 risk-based capital ratio | 14.7215% | 3,824 |
| Total risk-based capital ratio | 15.9767% | 3,796 |
| Memoranda: | ||
| Average total assets | $54,424,000 | 6,264 |
| Average earning assets | $51,158,500 | 6,197 |
| Average equity | $4,688,750 | 6,589 |
| Average total loans | $27,107,500 | 6,347 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7181% | 4,458 |
| Cost of funding earning assets | 1.0450% | 3,640 |
| Net interest margin | 3.6731% | 4,391 |
| Noninterest income to average assets | 0.2567% | 5,813 |
| Noninterest expense to average assets | 2.8965% | 4,035 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7736% | 3,180 |
| Return on assets (ROA) | 0.7736% | 3,314 |
| Pretax return on assets | 0.8140% | 3,972 |
| Return on Equity (ROE) | 9.2720% | 2,392 |
| Retained earnings to average equity (ytd only) | 7.5143% | 1,650 |
| Net charge-offs to loans | 0.1797% | 4,089 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 1,946 |
| Efficiency ratio | 78.0632% | 2,700 |
| Assets per employee ($millions) | 3.4684% | 5,022 |
| Cash dividends to net income (ytd only)* | 18.9573% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8905% | 2,695 |
| Loan loss allowance to noncurrent loans | 66.0232% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.4001% | 4,125 |
| Noncurrent loans to loans | 2.8635% | 2,556 |
| Net loans and leases to total assets | 47.9719% | 6,054 |
| Net loans and leases to deposits | 52.7806% | 6,414 |
| Net loans and leases to core deposits | 54.3107% | 6,542 |
| Total domestic deposits to total assets | 90.8893% | 546 |
| Equity capital to assets | 8.7125% | 5,926 |
| Core capital (leverage) ratio | 7.7597% | 6,540 |
| Tier 1 risk-based capital ratio | 14.4886% | 3,793 |
| Total risk-based capital ratio | 15.7193% | 3,780 |
| Memoranda: | ||
| Average total assets | $54,548,330 | 6,312 |
| Average earning assets | $51,292,000 | 6,244 |
| Average equity | $4,551,330 | 6,667 |
| Average total loans | $26,715,670 | 6,436 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6977% | 4,535 |
| Cost of funding earning assets | 1.0816% | 3,648 |
| Net interest margin | 3.6160% | 4,501 |
| Noninterest income to average assets | 0.2145% | 6,202 |
| Noninterest expense to average assets | 2.8553% | 4,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7101% | 3,476 |
| Return on assets (ROA) | 0.7101% | 3,541 |
| Pretax return on assets | 0.7471% | 4,107 |
| Return on Equity (ROE) | 8.7085% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.7085% | 1,486 |
| Net charge-offs to loans | 0.0453% | 4,489 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 33.6667% | 772 |
| Efficiency ratio | 79.2608% | 2,654 |
| Assets per employee ($millions) | 3.1965% | 5,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0383% | 2,314 |
| Loan loss allowance to noncurrent loans | 75.8865% | 3,685 |
| Noncurrent assets plus other real estate owned to assets | 1.2974% | 4,370 |
| Noncurrent loans to loans | 2.6860% | 2,807 |
| Net loans and leases to total assets | 47.3160% | 6,158 |
| Net loans and leases to deposits | 51.7646% | 6,491 |
| Net loans and leases to core deposits | 53.2792% | 6,603 |
| Total domestic deposits to total assets | 91.4061% | 442 |
| Equity capital to assets | 8.2442% | 6,235 |
| Core capital (leverage) ratio | 7.8815% | 6,383 |
| Tier 1 risk-based capital ratio | 14.6469% | 3,644 |
| Total risk-based capital ratio | 15.9026% | 3,599 |
| Memoranda: | ||
| Average total assets | $54,075,000 | 6,371 |
| Average earning assets | $50,663,500 | 6,321 |
| Average equity | $4,409,500 | 6,739 |
| Average total loans | $26,506,000 | 6,500 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 4,175 |
| Cost of funding earning assets | 1.2819% | 4,006 |
| Net interest margin | 3.8015% | 3,940 |
| Noninterest income to average assets | 0.3121% | 5,561 |
| Noninterest expense to average assets | 3.0500% | 3,656 |
| Loan and lease loss provision to assets | 1.1852% | 1,331 |
| Net operating income to assets | -0.3674% | 6,282 |
| Return on assets (ROA) | -0.3674% | 6,307 |
| Pretax return on assets | -0.3674% | 6,219 |
| Return on Equity (ROE) | -4.0475% | 6,358 |
| Retained earnings to average equity (ytd only) | -4.2651% | 6,225 |
| Net charge-offs to loans | 1.4714% | 1,502 |
| Credit loss provision to net charge-offs | 154.6392% | 2,293 |
| Earnings coverage of net charge-offs (x) | 1.0670% | 5,043 |
| Efficiency ratio | 78.8560% | 2,556 |
| Assets per employee ($millions) | 3.1652% | 5,743 |
| Cash dividends to net income (ytd only)* | -5.3763% | 7,464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0101% | 2,271 |
| Loan loss allowance to noncurrent loans | 73.3970% | 3,789 |
| Noncurrent assets plus other real estate owned to assets | 1.3622% | 4,299 |
| Noncurrent loans to loans | 2.7387% | 2,780 |
| Net loans and leases to total assets | 48.7409% | 6,302 |
| Net loans and leases to deposits | 53.2625% | 6,659 |
| Net loans and leases to core deposits | 54.8303% | 6,763 |
| Total domestic deposits to total assets | 91.5107% | 398 |
| Equity capital to assets | 8.0637% | 6,427 |
| Core capital (leverage) ratio | 7.8863% | 6,337 |
| Tier 1 risk-based capital ratio | 14.1385% | 3,776 |
| Total risk-based capital ratio | 15.3885% | 3,735 |
| Memoranda: | ||
| Average total assets | $50,623,000 | 6,506 |
| Average earning assets | $47,350,000 | 6,464 |
| Average equity | $4,595,400 | 6,790 |
| Average total loans | $26,369,000 | 6,594 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1750% | 3,960 |
| Cost of funding earning assets | 1.3266% | 4,064 |
| Net interest margin | 3.8483% | 3,758 |
| Noninterest income to average assets | 0.3211% | 5,585 |
| Noninterest expense to average assets | 3.0719% | 3,467 |
| Loan and lease loss provision to assets | 1.0704% | 1,370 |
| Net operating income to assets | -0.2194% | 6,345 |
| Return on assets (ROA) | -0.2194% | 6,400 |
| Pretax return on assets | -0.2194% | 6,333 |
| Return on Equity (ROE) | -2.3464% | 6,436 |
| Retained earnings to average equity (ytd only) | -2.5466% | 6,291 |
| Net charge-offs to loans | 1.9743% | 964 |
| Credit loss provision to net charge-offs | 102.8278% | 4,178 |
| Earnings coverage of net charge-offs (x) | 0.8175% | 5,236 |
| Efficiency ratio | 78.3083% | 2,583 |
| Assets per employee ($millions) | 2.9638% | 6,236 |
| Cash dividends to net income (ytd only)* | -8.5338% | 7,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2703% | 5,111 |
| Loan loss allowance to noncurrent loans | 52.9134% | 4,767 |
| Noncurrent assets plus other real estate owned to assets | 1.2603% | 4,630 |
| Noncurrent loans to loans | 2.4007% | 3,237 |
| Net loans and leases to total assets | 51.8309% | 6,120 |
| Net loans and leases to deposits | 57.5943% | 6,497 |
| Net loans and leases to core deposits | 59.4753% | 6,641 |
| Total domestic deposits to total assets | 89.9931% | 884 |
| Equity capital to assets | 9.5644% | 4,747 |
| Core capital (leverage) ratio | 8.5664% | 5,393 |
| Tier 1 risk-based capital ratio | 14.9850% | 3,258 |
| Total risk-based capital ratio | 16.1581% | 3,279 |
| Memoranda: | ||
| Average total assets | $49,826,500 | 6,623 |
| Average earning assets | $46,633,500 | 6,573 |
| Average equity | $4,659,500 | 6,852 |
| Average total loans | $26,270,000 | 6,693 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1934% | 3,992 |
| Cost of funding earning assets | 1.3565% | 4,151 |
| Net interest margin | 3.8369% | 3,725 |
| Noninterest income to average assets | 0.3143% | 5,646 |
| Noninterest expense to average assets | 3.0580% | 3,484 |
| Loan and lease loss provision to assets | 1.5310% | 861 |
| Net operating income to assets | -0.6849% | 6,798 |
| Return on assets (ROA) | -0.6849% | 6,814 |
| Pretax return on assets | -0.6849% | 6,713 |
| Return on Equity (ROE) | -7.3811% | 6,860 |
| Retained earnings to average equity (ytd only) | -7.3811% | 6,771 |
| Net charge-offs to loans | 2.8997% | 562 |
| Credit loss provision to net charge-offs | 100.0000% | 4,062 |
| Earnings coverage of net charge-offs (x) | 0.5526% | 5,180 |
| Efficiency ratio | 78.3282% | 2,671 |
| Assets per employee ($millions) | 3.1270% | 5,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 5,174 |
| Loan loss allowance to noncurrent loans | 37.7468% | 5,837 |
| Noncurrent assets plus other real estate owned to assets | 1.7209% | 3,867 |
| Noncurrent loans to loans | 3.3155% | 2,416 |
| Net loans and leases to total assets | 51.2552% | 6,282 |
| Net loans and leases to deposits | 56.7999% | 6,668 |
| Net loans and leases to core deposits | 58.6551% | 6,791 |
| Total domestic deposits to total assets | 90.2382% | 802 |
| Equity capital to assets | 9.2241% | 5,109 |
| Core capital (leverage) ratio | 8.2775% | 5,811 |
| Tier 1 risk-based capital ratio | 14.8703% | 3,225 |
| Total risk-based capital ratio | 16.0177% | 3,255 |
| Memoranda: | ||
| Average total assets | $49,640,330 | 6,663 |
| Average earning assets | $46,444,000 | 6,614 |
| Average equity | $4,606,330 | 6,900 |
| Average total loans | $26,209,670 | 6,735 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2093% | 3,969 |
| Cost of funding earning assets | 1.3822% | 4,292 |
| Net interest margin | 3.8270% | 3,677 |
| Noninterest income to average assets | 0.2670% | 6,018 |
| Noninterest expense to average assets | 3.0499% | 3,480 |
| Loan and lease loss provision to assets | 2.5888% | 403 |
| Net operating income to assets | -1.7879% | 7,407 |
| Return on assets (ROA) | -1.7879% | 7,407 |
| Pretax return on assets | -1.7879% | 7,343 |
| Return on Equity (ROE) | -19.2090% | 7,425 |
| Retained earnings to average equity (ytd only) | -19.2090% | 7,355 |
| Net charge-offs to loans | 5.7881% | 190 |
| Credit loss provision to net charge-offs | 83.9895% | 3,788 |
| Earnings coverage of net charge-offs (x) | 0.2598% | 4,815 |
| Efficiency ratio | 79.2017% | 2,684 |
| Assets per employee ($millions) | 3.0288% | 6,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 6,442 |
| Loan loss allowance to noncurrent loans | 30.2059% | 6,385 |
| Noncurrent assets plus other real estate owned to assets | 1.8035% | 3,781 |
| Noncurrent loans to loans | 3.3245% | 2,405 |
| Net loans and leases to total assets | 53.7061% | 6,063 |
| Net loans and leases to deposits | 59.5629% | 6,504 |
| Net loans and leases to core deposits | 61.5621% | 6,633 |
| Total domestic deposits to total assets | 90.1671% | 906 |
| Equity capital to assets | 9.2860% | 4,857 |
| Core capital (leverage) ratio | 8.4018% | 5,555 |
| Tier 1 risk-based capital ratio | 14.6675% | 3,278 |
| Total risk-based capital ratio | 15.5983% | 3,428 |
| Memoranda: | ||
| Average total assets | $49,444,500 | 6,750 |
| Average earning assets | $46,302,000 | 6,689 |
| Average equity | $4,602,000 | 6,974 |
| Average total loans | $26,330,000 | 6,815 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6452% | 3,372 |
| Cost of funding earning assets | 1.7000% | 4,509 |
| Net interest margin | 3.9453% | 3,099 |
| Noninterest income to average assets | 0.3630% | 5,497 |
| Noninterest expense to average assets | 2.9770% | 4,243 |
| Loan and lease loss provision to assets | 0.0605% | 6,956 |
| Net operating income to assets | 0.9944% | 1,861 |
| Return on assets (ROA) | 0.9944% | 1,907 |
| Pretax return on assets | 1.0468% | 2,428 |
| Return on Equity (ROE) | 10.7868% | 1,479 |
| Retained earnings to average equity (ytd only) | 7.2204% | 896 |
| Net charge-offs to loans | 0.1121% | 6,037 |
| Credit loss provision to net charge-offs | 100.0000% | 5,513 |
| Earnings coverage of net charge-offs (x) | 18.3000% | 1,136 |
| Efficiency ratio | 72.8889% | 4,118 |
| Assets per employee ($millions) | 3.1518% | 5,854 |
| Cash dividends to net income (ytd only)* | 33.0629% | 3,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2325% | 5,158 |
| Loan loss allowance to noncurrent loans | 46.7626% | 5,266 |
| Noncurrent assets plus other real estate owned to assets | 1.3782% | 4,358 |
| Noncurrent loans to loans | 2.6356% | 2,920 |
| Net loans and leases to total assets | 51.6469% | 6,460 |
| Net loans and leases to deposits | 57.2934% | 6,827 |
| Net loans and leases to core deposits | 69.2963% | 6,813 |
| Total domestic deposits to total assets | 90.1446% | 897 |
| Equity capital to assets | 9.3280% | 4,668 |
| Core capital (leverage) ratio | 8.6752% | 4,963 |
| Tier 1 risk-based capital ratio | 15.2813% | 2,809 |
| Total risk-based capital ratio | 16.4149% | 2,819 |
| Memoranda: | ||
| Average total assets | $49,580,000 | 6,727 |
| Average earning assets | $46,765,000 | 6,650 |
| Average equity | $4,570,400 | 7,090 |
| Average total loans | $26,763,400 | 6,818 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6806% | 3,429 |
| Cost of funding earning assets | 1.7648% | 4,558 |
| Net interest margin | 3.9158% | 3,175 |
| Noninterest income to average assets | 0.3808% | 5,471 |
| Noninterest expense to average assets | 3.0573% | 3,815 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9696% | 2,165 |
| Return on assets (ROA) | 0.9696% | 2,219 |
| Pretax return on assets | 1.0209% | 2,838 |
| Return on Equity (ROE) | 10.5499% | 1,747 |
| Retained earnings to average equity (ytd only) | 8.1109% | 1,104 |
| Net charge-offs to loans | 0.1589% | 5,116 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 11.8113% | 1,818 |
| Efficiency ratio | 74.9669% | 3,697 |
| Assets per employee ($millions) | 3.0336% | 6,071 |
| Cash dividends to net income (ytd only)* | 23.1192% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1104% | 5,667 |
| Loan loss allowance to noncurrent loans | 95.7516% | 2,882 |
| Noncurrent assets plus other real estate owned to assets | 0.6304% | 5,872 |
| Noncurrent loans to loans | 1.1597% | 5,003 |
| Net loans and leases to total assets | 53.7599% | 6,412 |
| Net loans and leases to deposits | 60.5809% | 6,776 |
| Net loans and leases to core deposits | 74.7958% | 6,680 |
| Total domestic deposits to total assets | 88.7408% | 1,320 |
| Equity capital to assets | 9.8397% | 4,301 |
| Core capital (leverage) ratio | 8.7032% | 5,119 |
| Tier 1 risk-based capital ratio | 15.8732% | 2,676 |
| Total risk-based capital ratio | 16.9478% | 2,673 |
| Memoranda: | ||
| Average total assets | $49,367,750 | 6,785 |
| Average earning assets | $46,613,250 | 6,707 |
| Average equity | $4,537,000 | 7,165 |
| Average total loans | $26,861,750 | 6,860 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6811% | 3,653 |
| Cost of funding earning assets | 1.8014% | 4,750 |
| Net interest margin | 3.8797% | 3,209 |
| Noninterest income to average assets | 0.3586% | 5,642 |
| Noninterest expense to average assets | 3.0175% | 4,015 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9588% | 2,247 |
| Return on assets (ROA) | 0.9588% | 2,347 |
| Pretax return on assets | 1.0112% | 2,967 |
| Return on Equity (ROE) | 10.6790% | 1,796 |
| Retained earnings to average equity (ytd only) | 8.4355% | 1,081 |
| Net charge-offs to loans | 0.2591% | 3,893 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 7.1714% | 2,481 |
| Efficiency ratio | 74.9000% | 3,897 |
| Assets per employee ($millions) | 3.1776% | 5,633 |
| Cash dividends to net income (ytd only)* | 21.0084% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,710 |
| Loan loss allowance to noncurrent loans | 88.4146% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.6451% | 5,802 |
| Noncurrent loans to loans | 1.2252% | 4,756 |
| Net loans and leases to total assets | 52.0859% | 6,676 |
| Net loans and leases to deposits | 57.5674% | 7,056 |
| Net loans and leases to core deposits | 69.4401% | 7,051 |
| Total domestic deposits to total assets | 90.4782% | 640 |
| Equity capital to assets | 8.8551% | 5,519 |
| Core capital (leverage) ratio | 8.4049% | 5,605 |
| Tier 1 risk-based capital ratio | 15.0675% | 2,994 |
| Total risk-based capital ratio | 16.0981% | 3,018 |
| Memoranda: | ||
| Average total assets | $49,644,330 | 6,845 |
| Average earning assets | $46,962,670 | 6,751 |
| Average equity | $4,457,330 | 7,253 |
| Average total loans | $27,020,000 | 6,920 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7365% | 3,605 |
| Cost of funding earning assets | 1.8747% | 4,770 |
| Net interest margin | 3.8618% | 3,208 |
| Noninterest income to average assets | 0.3018% | 6,026 |
| Noninterest expense to average assets | 2.9931% | 3,800 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.9053% | 2,683 |
| Return on assets (ROA) | 0.9053% | 2,832 |
| Pretax return on assets | 0.9542% | 3,520 |
| Return on Equity (ROE) | 10.0113% | 2,315 |
| Retained earnings to average equity (ytd only) | 9.4701% | 1,345 |
| Net charge-offs to loans | -0.0147% | 7,368 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8264% | 3,520 |
| Assets per employee ($millions) | 3.0365% | 6,056 |
| Cash dividends to net income (ytd only)* | 5.4054% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2086% | 4,745 |
| Loan loss allowance to noncurrent loans | 319.6078% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 6,892 |
| Noncurrent loans to loans | 0.3781% | 6,470 |
| Net loans and leases to total assets | 54.8493% | 6,375 |
| Net loans and leases to deposits | 60.8833% | 6,822 |
| Net loans and leases to core deposits | 74.1169% | 6,803 |
| Total domestic deposits to total assets | 90.0893% | 758 |
| Equity capital to assets | 9.2376% | 5,029 |
| Core capital (leverage) ratio | 8.5983% | 5,348 |
| Tier 1 risk-based capital ratio | 14.9160% | 3,113 |
| Total risk-based capital ratio | 16.0843% | 3,070 |
| Memoranda: | ||
| Average total assets | $49,046,000 | 6,904 |
| Average earning assets | $46,300,000 | 6,828 |
| Average equity | $4,435,000 | 7,306 |
| Average total loans | $27,144,500 | 6,931 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3621% | 3,628 |
| Cost of funding earning assets | 2.4593% | 4,428 |
| Net interest margin | 3.9028% | 3,548 |
| Noninterest income to average assets | 0.4729% | 4,854 |
| Noninterest expense to average assets | 3.0194% | 4,014 |
| Loan and lease loss provision to assets | 0.1498% | 5,442 |
| Net operating income to assets | 0.8899% | 3,040 |
| Return on assets (ROA) | 1.0057% | 2,419 |
| Pretax return on assets | 1.0592% | 3,185 |
| Return on Equity (ROE) | 11.7494% | 1,670 |
| Retained earnings to average equity (ytd only) | 8.7496% | 644 |
| Net charge-offs to loans | 0.2064% | 4,143 |
| Credit loss provision to net charge-offs | 122.8070% | 4,372 |
| Earnings coverage of net charge-offs (x) | 8.9123% | 2,797 |
| Efficiency ratio | 73.5279% | 3,657 |
| Assets per employee ($millions) | 3.0943% | 5,787 |
| Cash dividends to net income (ytd only)* | 25.5319% | 4,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1898% | 4,624 |
| Loan loss allowance to noncurrent loans | 107.6159% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6100% | 5,371 |
| Noncurrent loans to loans | 1.1056% | 4,346 |
| Net loans and leases to total assets | 54.5164% | 6,597 |
| Net loans and leases to deposits | 60.2240% | 7,066 |
| Net loans and leases to core deposits | 72.8141% | 7,029 |
| Total domestic deposits to total assets | 90.5227% | 478 |
| Equity capital to assets | 8.8511% | 5,561 |
| Core capital (leverage) ratio | 8.2938% | 5,962 |
| Tier 1 risk-based capital ratio | 14.3688% | 3,352 |
| Total risk-based capital ratio | 15.5180% | 3,332 |
| Memoranda: | ||
| Average total assets | $46,731,800 | 6,907 |
| Average earning assets | $43,507,600 | 6,876 |
| Average equity | $4,000,200 | 7,511 |
| Average total loans | $27,615,600 | 6,870 |