Home > Dakota State Bank > Performance and Condition Ratios
Dakota State Bank, Performance and Condition Ratios
| 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 | 4.6388% | 1,240 |
| Cost of funding earning assets | 0.2478% | 4,807 |
| Net interest margin | 4.3909% | 813 |
| Noninterest income to average assets | 0.2159% | 5,299 |
| Noninterest expense to average assets | 2.9942% | 2,568 |
| Loan and lease loss provision to assets | -0.0053% | 5,611 |
| Net operating income to assets | 0.9375% | 2,672 |
| Return on assets (ROA) | 0.9375% | 2,753 |
| Pretax return on assets | 1.0060% | 3,451 |
| Return on Equity (ROE) | 9.7636% | 2,098 |
| Retained earnings to average equity (ytd only) | 5.6497% | 1,983 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1595% | 2,555 |
| Assets per employee ($millions) | 4.6440% | 2,818 |
| Cash dividends to net income (ytd only)* | 42.1348% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 45.9159% | 5,166 |
| Net loans and leases to deposits | 52.1608% | 5,274 |
| Net loans and leases to core deposits | 54.2272% | 5,299 |
| Total domestic deposits to total assets | 88.0276% | 1,609 |
| Equity capital to assets | 11.6805% | 2,207 |
| Core capital (leverage) ratio | 10.9450% | 2,453 |
| Tier 1 risk-based capital ratio | 16.1127% | 2,641 |
| Total risk-based capital ratio | 16.1127% | 3,177 |
| Memoranda: | ||
| Average total assets | $37,974,000 | 5,806 |
| Average earning assets | $32,681,200 | 5,840 |
| Average equity | $3,646,200 | 5,909 |
| Average total loans | $21,569,400 | 5,660 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7382% | 1,035 |
| Cost of funding earning assets | 0.2439% | 4,948 |
| Net interest margin | 4.4943% | 663 |
| Noninterest income to average assets | 0.1045% | 5,946 |
| Noninterest expense to average assets | 2.7193% | 3,497 |
| Loan and lease loss provision to assets | -0.0072% | 5,811 |
| Net operating income to assets | 1.3831% | 1,149 |
| Return on assets (ROA) | 1.3831% | 1,200 |
| Pretax return on assets | 1.4407% | 1,860 |
| Return on Equity (ROE) | 15.3417% | 684 |
| Retained earnings to average equity (ytd only) | 9.3487% | 776 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4814% | 3,978 |
| Assets per employee ($millions) | 3.9459% | 3,984 |
| Cash dividends to net income (ytd only)* | 39.0633% | 2,350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0740% | 4,362 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 58.3589% | 4,094 |
| Net loans and leases to deposits | 64.8203% | 4,486 |
| Net loans and leases to core deposits | 67.7930% | 4,562 |
| Total domestic deposits to total assets | 90.0318% | 554 |
| Equity capital to assets | 9.7542% | 4,441 |
| Core capital (leverage) ratio | 9.2752% | 4,618 |
| Tier 1 risk-based capital ratio | 13.2763% | 4,274 |
| Total risk-based capital ratio | 14.1806% | 4,390 |
| Memoranda: | ||
| Average total assets | $37,018,500 | 5,904 |
| Average earning assets | $33,345,000 | 5,906 |
| Average equity | $3,337,250 | 6,027 |
| Average total loans | $22,164,000 | 5,715 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7421% | 996 |
| Cost of funding earning assets | 0.2486% | 4,956 |
| Net interest margin | 4.4934% | 648 |
| Noninterest income to average assets | 0.0959% | 6,045 |
| Noninterest expense to average assets | 2.6706% | 3,684 |
| Loan and lease loss provision to assets | 0.0213% | 3,702 |
| Net operating income to assets | 1.3912% | 1,109 |
| Return on assets (ROA) | 1.3912% | 1,145 |
| Pretax return on assets | 1.4499% | 1,803 |
| Return on Equity (ROE) | 15.8422% | 626 |
| Retained earnings to average equity (ytd only) | 9.7724% | 709 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4788% | 4,276 |
| Assets per employee ($millions) | 3.5572% | 4,701 |
| Cash dividends to net income (ytd only)* | 38.3142% | 2,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 4,198 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 57.0505% | 4,215 |
| Net loans and leases to deposits | 63.0542% | 4,613 |
| Net loans and leases to core deposits | 65.9260% | 4,662 |
| Total domestic deposits to total assets | 90.4785% | 463 |
| Equity capital to assets | 9.3332% | 4,853 |
| Core capital (leverage) ratio | 8.9087% | 5,084 |
| Tier 1 risk-based capital ratio | 13.0267% | 4,506 |
| Total risk-based capital ratio | 13.9580% | 4,603 |
| Memoranda: | ||
| Average total assets | $37,520,330 | 5,956 |
| Average earning assets | $33,782,670 | 5,961 |
| Average equity | $3,295,000 | 6,092 |
| Average total loans | $22,568,670 | 5,761 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7870% | 886 |
| Cost of funding earning assets | 0.2538% | 4,980 |
| Net interest margin | 4.5332% | 572 |
| Noninterest income to average assets | 0.0831% | 6,140 |
| Noninterest expense to average assets | 2.7640% | 3,368 |
| Loan and lease loss provision to assets | 0.0312% | 3,267 |
| Net operating income to assets | 1.3197% | 1,212 |
| Return on assets (ROA) | 1.3197% | 1,299 |
| Pretax return on assets | 1.3716% | 1,994 |
| Return on Equity (ROE) | 15.4760% | 635 |
| Retained earnings to average equity (ytd only) | 9.3831% | 1,074 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3342% | 4,090 |
| Assets per employee ($millions) | 3.4395% | 5,017 |
| Cash dividends to net income (ytd only)* | 39.3701% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0363% | 4,839 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 58.0521% | 3,935 |
| Net loans and leases to deposits | 63.8358% | 4,386 |
| Net loans and leases to core deposits | 66.5475% | 4,465 |
| Total domestic deposits to total assets | 90.9396% | 390 |
| Equity capital to assets | 8.8516% | 5,442 |
| Core capital (leverage) ratio | 8.0737% | 5,897 |
| Tier 1 risk-based capital ratio | 11.9533% | 5,271 |
| Total risk-based capital ratio | 12.8272% | 5,427 |
| Memoranda: | ||
| Average total assets | $38,494,500 | 5,995 |
| Average earning assets | $34,677,500 | 5,996 |
| Average equity | $3,282,500 | 6,154 |
| Average total loans | $23,590,500 | 5,770 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9132% | 907 |
| Cost of funding earning assets | 0.3080% | 4,711 |
| Net interest margin | 4.6053% | 616 |
| Noninterest income to average assets | 0.1775% | 5,790 |
| Noninterest expense to average assets | 3.3650% | 1,775 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9503% | 2,632 |
| Return on assets (ROA) | 0.9503% | 2,713 |
| Pretax return on assets | 0.9894% | 3,538 |
| Return on Equity (ROE) | 11.7442% | 1,479 |
| Retained earnings to average equity (ytd only) | 5.2913% | 2,408 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2782% | 2,318 |
| Assets per employee ($millions) | 3.9154% | 4,124 |
| Cash dividends to net income (ytd only)* | 54.9451% | 2,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 5,452 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 63.2375% | 3,331 |
| Net loans and leases to deposits | 69.8055% | 3,939 |
| Net loans and leases to core deposits | 72.6782% | 4,061 |
| Total domestic deposits to total assets | 90.5910% | 501 |
| Equity capital to assets | 8.2137% | 5,955 |
| Core capital (leverage) ratio | 7.8658% | 6,069 |
| Tier 1 risk-based capital ratio | 11.0079% | 5,905 |
| Total risk-based capital ratio | 11.8221% | 6,016 |
| Memoranda: | ||
| Average total assets | $38,305,600 | 6,073 |
| Average earning assets | $34,742,800 | 6,067 |
| Average equity | $3,099,400 | 6,248 |
| Average total loans | $22,753,600 | 5,865 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9270% | 878 |
| Cost of funding earning assets | 0.3143% | 4,737 |
| Net interest margin | 4.6128% | 603 |
| Noninterest income to average assets | 0.1155% | 6,182 |
| Noninterest expense to average assets | 2.7651% | 3,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4560% | 1,013 |
| Return on assets (ROA) | 1.4560% | 1,055 |
| Pretax return on assets | 1.5120% | 1,610 |
| Return on Equity (ROE) | 18.0653% | 437 |
| Retained earnings to average equity (ytd only) | 14.5913% | 225 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6481% | 4,441 |
| Assets per employee ($millions) | 3.9036% | 4,084 |
| Cash dividends to net income (ytd only)* | 19.2301% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9942% | 5,244 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0794% | 5,846 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 57.9081% | 4,082 |
| Net loans and leases to deposits | 68.6352% | 4,062 |
| Net loans and leases to core deposits | 71.6868% | 4,181 |
| Total domestic deposits to total assets | 84.3708% | 3,603 |
| Equity capital to assets | 8.5127% | 5,790 |
| Core capital (leverage) ratio | 8.4921% | 5,667 |
| Tier 1 risk-based capital ratio | 12.6163% | 5,094 |
| Total risk-based capital ratio | 13.4999% | 5,251 |
| Memoranda: | ||
| Average total assets | $38,093,500 | 6,155 |
| Average earning assets | $34,367,500 | 6,152 |
| Average equity | $3,070,250 | 6,326 |
| Average total loans | $22,195,250 | 5,941 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8919% | 922 |
| Cost of funding earning assets | 0.3203% | 4,753 |
| Net interest margin | 4.5716% | 613 |
| Noninterest income to average assets | 0.1112% | 6,236 |
| Noninterest expense to average assets | 2.8111% | 3,457 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3976% | 1,067 |
| Return on assets (ROA) | 1.3976% | 1,109 |
| Pretax return on assets | 1.4558% | 1,694 |
| Return on Equity (ROE) | 17.6825% | 489 |
| Retained earnings to average equity (ytd only) | 12.3242% | 391 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8809% | 4,380 |
| Assets per employee ($millions) | 3.3480% | 5,156 |
| Cash dividends to net income (ytd only)* | 30.3030% | 2,773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0307% | 5,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 5,728 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 59.1859% | 3,833 |
| Net loans and leases to deposits | 70.6433% | 3,735 |
| Net loans and leases to core deposits | 74.0060% | 3,841 |
| Total domestic deposits to total assets | 83.7814% | 4,003 |
| Equity capital to assets | 8.6836% | 5,626 |
| Core capital (leverage) ratio | 8.3154% | 5,831 |
| Tier 1 risk-based capital ratio | 12.8227% | 5,021 |
| Total risk-based capital ratio | 13.7650% | 5,142 |
| Memoranda: | ||
| Average total assets | $37,779,330 | 6,219 |
| Average earning assets | $34,342,330 | 6,216 |
| Average equity | $2,986,000 | 6,398 |
| Average total loans | $21,983,000 | 5,992 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8743% | 907 |
| Cost of funding earning assets | 0.3598% | 4,437 |
| Net interest margin | 4.5145% | 638 |
| Noninterest income to average assets | 0.1150% | 6,279 |
| Noninterest expense to average assets | 2.8336% | 3,444 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2966% | 1,227 |
| Return on assets (ROA) | 1.2966% | 1,273 |
| Pretax return on assets | 1.3488% | 1,921 |
| Return on Equity (ROE) | 17.2222% | 512 |
| Retained earnings to average equity (ytd only) | 11.6667% | 656 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7500% | 4,216 |
| Assets per employee ($millions) | 3.4795% | 4,968 |
| Cash dividends to net income (ytd only)* | 32.2581% | 2,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0589% | 5,286 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2404% | 5,474 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 55.4162% | 4,221 |
| Net loans and leases to deposits | 60.5274% | 4,708 |
| Net loans and leases to core deposits | 64.9816% | 4,597 |
| Total domestic deposits to total assets | 91.5556% | 364 |
| Equity capital to assets | 7.7598% | 6,199 |
| Core capital (leverage) ratio | 7.7000% | 6,269 |
| Tier 1 risk-based capital ratio | 12.3548% | 5,405 |
| Total risk-based capital ratio | 13.2931% | 5,550 |
| Memoranda: | ||
| Average total assets | $38,255,000 | 6,280 |
| Average earning assets | $34,466,500 | 6,273 |
| Average equity | $2,880,000 | 6,476 |
| Average total loans | $21,962,500 | 6,048 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2503% | 577 |
| Cost of funding earning assets | 0.4186% | 4,448 |
| Net interest margin | 4.8317% | 405 |
| Noninterest income to average assets | 0.0848% | 6,442 |
| Noninterest expense to average assets | 2.8359% | 3,592 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4589% | 897 |
| Return on assets (ROA) | 1.4589% | 942 |
| Pretax return on assets | 1.5240% | 1,369 |
| Return on Equity (ROE) | 17.4077% | 460 |
| Retained earnings to average equity (ytd only) | 4.0820% | 3,277 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0454% | 4,723 |
| Assets per employee ($millions) | 3.8236% | 4,217 |
| Cash dividends to net income (ytd only)* | 76.5504% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0094% | 5,515 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2406% | 5,557 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 58.2200% | 4,004 |
| Net loans and leases to deposits | 67.4576% | 4,126 |
| Net loans and leases to core deposits | 72.7531% | 3,982 |
| Total domestic deposits to total assets | 86.3061% | 3,110 |
| Equity capital to assets | 7.2968% | 6,366 |
| Core capital (leverage) ratio | 7.6986% | 6,305 |
| Tier 1 risk-based capital ratio | 11.3304% | 6,008 |
| Total risk-based capital ratio | 12.2158% | 6,139 |
| Memoranda: | ||
| Average total assets | $35,368,200 | 6,407 |
| Average earning assets | $31,293,600 | 6,414 |
| Average equity | $2,964,200 | 6,539 |
| Average total loans | $21,128,200 | 6,145 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3407% | 494 |
| Cost of funding earning assets | 0.4439% | 4,341 |
| Net interest margin | 4.8968% | 368 |
| Noninterest income to average assets | 0.1270% | 6,386 |
| Noninterest expense to average assets | 2.8512% | 3,481 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.5083% | 881 |
| Return on assets (ROA) | 1.5083% | 927 |
| Pretax return on assets | 1.5622% | 1,438 |
| Return on Equity (ROE) | 17.3768% | 502 |
| Retained earnings to average equity (ytd only) | 12.0575% | 416 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6033% | 4,708 |
| Assets per employee ($millions) | 3.2505% | 5,382 |
| Cash dividends to net income (ytd only)* | 30.6132% | 2,672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 5,671 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 5,473 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 62.2217% | 3,323 |
| Net loans and leases to deposits | 76.3487% | 2,907 |
| Net loans and leases to core deposits | 80.2077% | 3,113 |
| Total domestic deposits to total assets | 81.4968% | 5,087 |
| Equity capital to assets | 8.5468% | 5,679 |
| Core capital (leverage) ratio | 8.6298% | 5,623 |
| Tier 1 risk-based capital ratio | 12.1472% | 5,684 |
| Total risk-based capital ratio | 13.0495% | 5,856 |
| Memoranda: | ||
| Average total assets | $34,651,250 | 6,491 |
| Average earning assets | $30,332,250 | 6,512 |
| Average equity | $3,007,750 | 6,600 |
| Average total loans | $20,788,250 | 6,223 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3644% | 472 |
| Cost of funding earning assets | 0.4668% | 4,242 |
| Net interest margin | 4.8976% | 371 |
| Noninterest income to average assets | 0.1225% | 6,442 |
| Noninterest expense to average assets | 2.8936% | 3,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3943% | 1,097 |
| Return on assets (ROA) | 1.3943% | 1,176 |
| Pretax return on assets | 1.4526% | 1,759 |
| Return on Equity (ROE) | 15.9777% | 674 |
| Retained earnings to average equity (ytd only) | 10.6295% | 716 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5772% | 4,437 |
| Assets per employee ($millions) | 3.1043% | 5,669 |
| Cash dividends to net income (ytd only)* | 33.4728% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0936% | 5,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 5,470 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 60.1224% | 3,634 |
| Net loans and leases to deposits | 70.1880% | 3,696 |
| Net loans and leases to core deposits | 73.7216% | 3,853 |
| Total domestic deposits to total assets | 85.6591% | 3,551 |
| Equity capital to assets | 8.3814% | 5,884 |
| Core capital (leverage) ratio | 8.5645% | 5,590 |
| Tier 1 risk-based capital ratio | 12.4851% | 5,516 |
| Total risk-based capital ratio | 13.4485% | 5,624 |
| Memoranda: | ||
| Average total assets | $34,283,000 | 6,543 |
| Average earning assets | $29,565,330 | 6,573 |
| Average equity | $2,991,670 | 6,655 |
| Average total loans | $20,226,000 | 6,293 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 390 |
| Cost of funding earning assets | 0.5028% | 4,055 |
| Net interest margin | 4.9586% | 309 |
| Noninterest income to average assets | 0.1048% | 6,555 |
| Noninterest expense to average assets | 2.9111% | 3,306 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2692% | 1,356 |
| Return on assets (ROA) | 1.2692% | 1,458 |
| Pretax return on assets | 1.3275% | 2,135 |
| Return on Equity (ROE) | 14.2647% | 910 |
| Retained earnings to average equity (ytd only) | 9.0299% | 1,376 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6813% | 4,197 |
| Assets per employee ($millions) | 3.2971% | 5,439 |
| Cash dividends to net income (ytd only)* | 36.6972% | 1,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2076% | 5,148 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 5,626 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 51.2022% | 4,810 |
| Net loans and leases to deposits | 57.5546% | 5,088 |
| Net loans and leases to core deposits | 60.1652% | 5,136 |
| Total domestic deposits to total assets | 88.9627% | 1,703 |
| Equity capital to assets | 8.4648% | 6,049 |
| Core capital (leverage) ratio | 7.9745% | 6,170 |
| Tier 1 risk-based capital ratio | 12.6649% | 5,459 |
| Total risk-based capital ratio | 13.6729% | 5,572 |
| Memoranda: | ||
| Average total assets | $34,351,000 | 6,607 |
| Average earning assets | $28,637,000 | 6,659 |
| Average equity | $3,056,500 | 6,706 |
| Average total loans | $19,960,500 | 6,359 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7907% | 372 |
| Cost of funding earning assets | 0.5759% | 4,579 |
| Net interest margin | 5.2147% | 266 |
| Noninterest income to average assets | 0.2101% | 5,913 |
| Noninterest expense to average assets | 3.4881% | 1,840 |
| Loan and lease loss provision to assets | 0.0371% | 5,418 |
| Net operating income to assets | 1.2389% | 1,480 |
| Return on assets (ROA) | 1.2389% | 1,644 |
| Pretax return on assets | 1.3007% | 2,392 |
| Return on Equity (ROE) | 13.0009% | 1,220 |
| Retained earnings to average equity (ytd only) | 2.2371% | 4,665 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2791% | 3,365 |
| Assets per employee ($millions) | 2.9485% | 6,083 |
| Cash dividends to net income (ytd only)* | 82.7930% | 912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 5,655 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3546% | 5,627 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 64.4293% | 2,821 |
| Net loans and leases to deposits | 73.4568% | 3,179 |
| Net loans and leases to core deposits | 77.2589% | 3,366 |
| Total domestic deposits to total assets | 87.7104% | 2,407 |
| Equity capital to assets | 9.3821% | 5,023 |
| Core capital (leverage) ratio | 8.4881% | 5,630 |
| Tier 1 risk-based capital ratio | 12.2789% | 5,612 |
| Total risk-based capital ratio | 13.2801% | 5,723 |
| Memoranda: | ||
| Average total assets | $32,366,800 | 6,699 |
| Average earning assets | $28,649,600 | 6,697 |
| Average equity | $3,084,400 | 6,768 |
| Average total loans | $20,889,600 | 6,382 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7165% | 447 |
| Cost of funding earning assets | 0.5828% | 4,812 |
| Net interest margin | 5.1338% | 319 |
| Noninterest income to average assets | 0.1525% | 6,387 |
| Noninterest expense to average assets | 3.3466% | 2,146 |
| Loan and lease loss provision to assets | 0.0371% | 5,310 |
| Net operating income to assets | 1.2859% | 1,482 |
| Return on assets (ROA) | 1.2859% | 1,620 |
| Pretax return on assets | 1.3436% | 2,434 |
| Return on Equity (ROE) | 13.4418% | 1,241 |
| Retained earnings to average equity (ytd only) | 8.2718% | 1,509 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7934% | 3,534 |
| Assets per employee ($millions) | 2.7738% | 6,387 |
| Cash dividends to net income (ytd only)* | 38.4625% | 2,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 5,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3455% | 5,820 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 63.5451% | 3,108 |
| Net loans and leases to deposits | 76.7119% | 2,873 |
| Net loans and leases to core deposits | 80.8154% | 3,105 |
| Total domestic deposits to total assets | 82.8361% | 4,713 |
| Equity capital to assets | 9.7191% | 4,899 |
| Core capital (leverage) ratio | 9.0513% | 4,987 |
| Tier 1 risk-based capital ratio | 12.8035% | 5,405 |
| Total risk-based capital ratio | 13.7904% | 5,575 |
| Memoranda: | ||
| Average total assets | $32,350,000 | 6,784 |
| Average earning assets | $28,828,000 | 6,780 |
| Average equity | $3,094,750 | 6,850 |
| Average total loans | $20,831,000 | 6,470 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6605% | 522 |
| Cost of funding earning assets | 0.5980% | 4,923 |
| Net interest margin | 5.0625% | 363 |
| Noninterest income to average assets | 0.1498% | 6,448 |
| Noninterest expense to average assets | 3.3897% | 2,055 |
| Loan and lease loss provision to assets | 0.0375% | 5,208 |
| Net operating income to assets | 1.2110% | 1,678 |
| Return on assets (ROA) | 1.2110% | 1,871 |
| Pretax return on assets | 1.2672% | 2,659 |
| Return on Equity (ROE) | 12.7297% | 1,434 |
| Retained earnings to average equity (ytd only) | 7.4803% | 1,885 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2074% | 3,393 |
| Assets per employee ($millions) | 2.6637% | 6,581 |
| Cash dividends to net income (ytd only)* | 41.2371% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0800% | 5,861 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8208% | 3,010 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 63.3275% | 3,178 |
| Net loans and leases to deposits | 76.6510% | 2,895 |
| Net loans and leases to core deposits | 80.9421% | 3,093 |
| Total domestic deposits to total assets | 82.6179% | 4,898 |
| Equity capital to assets | 9.7234% | 4,727 |
| Core capital (leverage) ratio | 8.8861% | 5,070 |
| Tier 1 risk-based capital ratio | 13.0161% | 5,177 |
| Total risk-based capital ratio | 14.0332% | 5,325 |
| Memoranda: | ||
| Average total assets | $32,038,330 | 6,841 |
| Average earning assets | $28,760,670 | 6,831 |
| Average equity | $3,048,000 | 6,904 |
| Average total loans | $20,649,670 | 6,532 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6794% | 539 |
| Cost of funding earning assets | 0.6264% | 4,928 |
| Net interest margin | 5.0530% | 362 |
| Noninterest income to average assets | 0.1372% | 6,563 |
| Noninterest expense to average assets | 3.3546% | 2,131 |
| Loan and lease loss provision to assets | 0.0374% | 4,915 |
| Net operating income to assets | 1.2096% | 1,706 |
| Return on assets (ROA) | 1.2096% | 1,887 |
| Pretax return on assets | 1.2720% | 2,646 |
| Return on Equity (ROE) | 12.8562% | 1,447 |
| Retained earnings to average equity (ytd only) | 7.5547% | 2,148 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9251% | 3,462 |
| Assets per employee ($millions) | 2.7104% | 6,624 |
| Cash dividends to net income (ytd only)* | 41.2371% | 1,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1035% | 5,895 |
| Loan loss allowance to noncurrent loans | 57.2178% | 4,669 |
| Noncurrent assets plus other real estate owned to assets | 1.7248% | 3,275 |
| Noncurrent loans to loans | 1.9286% | 3,248 |
| Net loans and leases to total assets | 60.0676% | 3,652 |
| Net loans and leases to deposits | 68.6183% | 3,942 |
| Net loans and leases to core deposits | 72.1668% | 4,128 |
| Total domestic deposits to total assets | 87.5388% | 2,631 |
| Equity capital to assets | 9.3682% | 5,005 |
| Core capital (leverage) ratio | 8.4422% | 5,688 |
| Tier 1 risk-based capital ratio | 13.2309% | 5,048 |
| Total risk-based capital ratio | 14.2714% | 5,172 |
| Memoranda: | ||
| Average total assets | $32,075,500 | 6,894 |
| Average earning assets | $28,735,500 | 6,889 |
| Average equity | $3,018,000 | 6,960 |
| Average total loans | $20,743,000 | 6,578 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2667% | 270 |
| Cost of funding earning assets | 0.8303% | 4,624 |
| Net interest margin | 5.4365% | 198 |
| Noninterest income to average assets | 0.2510% | 5,735 |
| Noninterest expense to average assets | 3.6333% | 1,680 |
| Loan and lease loss provision to assets | -0.0322% | 7,232 |
| Net operating income to assets | 1.4353% | 956 |
| Return on assets (ROA) | 1.4353% | 1,041 |
| Pretax return on assets | 1.4964% | 1,484 |
| Return on Equity (ROE) | 14.5780% | 816 |
| Retained earnings to average equity (ytd only) | -6.6026% | 6,546 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2753% | 3,736 |
| Assets per employee ($millions) | 2.6355% | 6,678 |
| Cash dividends to net income (ytd only)* | 145.2915% | 158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9894% | 6,270 |
| Loan loss allowance to noncurrent loans | 56.4304% | 4,692 |
| Noncurrent assets plus other real estate owned to assets | 1.7739% | 3,292 |
| Noncurrent loans to loans | 1.7533% | 3,524 |
| Net loans and leases to total assets | 68.0326% | 2,386 |
| Net loans and leases to deposits | 77.8803% | 2,861 |
| Net loans and leases to core deposits | 82.0376% | 3,173 |
| Total domestic deposits to total assets | 87.3553% | 2,552 |
| Equity capital to assets | 9.4511% | 4,965 |
| Core capital (leverage) ratio | 8.5513% | 5,481 |
| Tier 1 risk-based capital ratio | 12.2126% | 5,680 |
| Total risk-based capital ratio | 13.1800% | 5,852 |
| Memoranda: | ||
| Average total assets | $31,074,000 | 6,938 |
| Average earning assets | $27,701,800 | 6,933 |
| Average equity | $3,059,400 | 6,997 |
| Average total loans | $20,967,000 | 6,610 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3942% | 229 |
| Cost of funding earning assets | 0.8830% | 4,523 |
| Net interest margin | 5.5112% | 171 |
| Noninterest income to average assets | 0.2500% | 5,826 |
| Noninterest expense to average assets | 3.6203% | 1,668 |
| Loan and lease loss provision to assets | -0.0431% | 7,324 |
| Net operating income to assets | 1.5128% | 906 |
| Return on assets (ROA) | 1.5128% | 986 |
| Pretax return on assets | 1.5688% | 1,463 |
| Return on Equity (ROE) | 15.2093% | 805 |
| Retained earnings to average equity (ytd only) | -2.2532% | 6,328 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3518% | 3,895 |
| Assets per employee ($millions) | 2.6569% | 6,715 |
| Cash dividends to net income (ytd only)* | 114.8144% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 6,316 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 5,507 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 67.3682% | 2,600 |
| Net loans and leases to deposits | 79.6935% | 2,691 |
| Net loans and leases to core deposits | 84.0600% | 3,057 |
| Total domestic deposits to total assets | 84.5341% | 3,992 |
| Equity capital to assets | 9.9928% | 4,352 |
| Core capital (leverage) ratio | 9.1446% | 4,723 |
| Tier 1 risk-based capital ratio | 12.7949% | 5,254 |
| Total risk-based capital ratio | 13.7554% | 5,478 |
| Memoranda: | ||
| Average total assets | $30,936,000 | 7,010 |
| Average earning assets | $27,482,750 | 7,006 |
| Average equity | $3,077,000 | 7,051 |
| Average total loans | $20,776,000 | 6,684 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3366% | 264 |
| Cost of funding earning assets | 0.9232% | 4,494 |
| Net interest margin | 5.4135% | 206 |
| Noninterest income to average assets | 0.2090% | 6,168 |
| Noninterest expense to average assets | 3.6512% | 1,624 |
| Loan and lease loss provision to assets | -0.0653% | 7,409 |
| Net operating income to assets | 1.3586% | 1,175 |
| Return on assets (ROA) | 1.3586% | 1,247 |
| Pretax return on assets | 1.4108% | 1,770 |
| Return on Equity (ROE) | 13.6812% | 1,052 |
| Retained earnings to average equity (ytd only) | -9.8662% | 6,873 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0719% | 3,527 |
| Assets per employee ($millions) | 2.5865% | 6,811 |
| Cash dividends to net income (ytd only)* | 172.1154% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0467% | 6,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7849% | 3,530 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 65.4842% | 3,136 |
| Net loans and leases to deposits | 76.9741% | 3,293 |
| Net loans and leases to core deposits | 81.2837% | 3,610 |
| Total domestic deposits to total assets | 85.0731% | 3,844 |
| Equity capital to assets | 9.8911% | 4,284 |
| Core capital (leverage) ratio | 8.8137% | 5,024 |
| Tier 1 risk-based capital ratio | 12.7636% | 5,120 |
| Total risk-based capital ratio | 13.7557% | 5,314 |
| Memoranda: | ||
| Average total assets | $30,620,330 | 7,089 |
| Average earning assets | $27,080,670 | 7,085 |
| Average equity | $3,040,670 | 7,118 |
| Average total loans | $20,470,000 | 6,763 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2372% | 314 |
| Cost of funding earning assets | 0.9619% | 4,484 |
| Net interest margin | 5.2753% | 231 |
| Noninterest income to average assets | 0.2368% | 6,017 |
| Noninterest expense to average assets | 3.4987% | 2,006 |
| Loan and lease loss provision to assets | 0.0395% | 5,502 |
| Net operating income to assets | 1.2627% | 1,359 |
| Return on assets (ROA) | 1.2627% | 1,415 |
| Pretax return on assets | 1.3153% | 1,991 |
| Return on Equity (ROE) | 12.6900% | 1,276 |
| Retained earnings to average equity (ytd only) | -28.6847% | 7,279 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0867% | 3,844 |
| Assets per employee ($millions) | 2.6281% | 6,806 |
| Cash dividends to net income (ytd only)* | 326.0417% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1046% | 6,026 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9025% | 3,433 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 64.7271% | 3,301 |
| Net loans and leases to deposits | 74.7182% | 3,644 |
| Net loans and leases to core deposits | 78.7539% | 3,929 |
| Total domestic deposits to total assets | 86.6284% | 3,164 |
| Equity capital to assets | 9.2495% | 4,816 |
| Core capital (leverage) ratio | 8.7406% | 5,019 |
| Tier 1 risk-based capital ratio | 11.4856% | 6,116 |
| Total risk-based capital ratio | 12.4558% | 6,318 |
| Memoranda: | ||
| Average total assets | $30,411,500 | 7,142 |
| Average earning assets | $26,614,500 | 7,151 |
| Average equity | $3,026,000 | 7,162 |
| Average total loans | $20,435,000 | 6,814 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9958% | 149 |
| Cost of funding earning assets | 1.2261% | 4,378 |
| Net interest margin | 5.7697% | 123 |
| Noninterest income to average assets | 0.4875% | 4,267 |
| Noninterest expense to average assets | 3.9827% | 1,183 |
| Loan and lease loss provision to assets | 0.1360% | 5,810 |
| Net operating income to assets | 1.3994% | 955 |
| Return on assets (ROA) | 1.3994% | 1,024 |
| Pretax return on assets | 1.4558% | 1,495 |
| Return on Equity (ROE) | 14.1071% | 862 |
| Retained earnings to average equity (ytd only) | 8.5579% | 826 |
| Net charge-offs to loans | 0.0895% | 5,949 |
| Credit loss provision to net charge-offs | 227.7778% | 1,291 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 815 |
| Efficiency ratio | 71.4456% | 3,900 |
| Assets per employee ($millions) | 2.4405% | 7,083 |
| Cash dividends to net income (ytd only)* | 39.3365% | 2,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 5,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0488% | 3,285 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 68.3057% | 2,908 |
| Net loans and leases to deposits | 80.6385% | 3,057 |
| Net loans and leases to core deposits | 85.4616% | 3,402 |
| Total domestic deposits to total assets | 84.7060% | 3,995 |
| Equity capital to assets | 10.7048% | 2,953 |
| Core capital (leverage) ratio | 9.5871% | 3,575 |
| Tier 1 risk-based capital ratio | 12.5285% | 5,000 |
| Total risk-based capital ratio | 13.4952% | 5,228 |
| Memoranda: | ||
| Average total assets | $30,155,600 | 7,202 |
| Average earning assets | $26,587,400 | 7,209 |
| Average equity | $2,991,400 | 7,281 |
| Average total loans | $20,117,200 | 6,917 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1240% | 124 |
| Cost of funding earning assets | 1.2531% | 4,553 |
| Net interest margin | 5.8709% | 107 |
| Noninterest income to average assets | 0.3424% | 5,433 |
| Noninterest expense to average assets | 3.7444% | 1,484 |
| Loan and lease loss provision to assets | 0.1537% | 5,503 |
| Net operating income to assets | 1.5496% | 830 |
| Return on assets (ROA) | 1.5496% | 905 |
| Pretax return on assets | 1.6066% | 1,334 |
| Return on Equity (ROE) | 15.9245% | 716 |
| Retained earnings to average equity (ytd only) | 8.4361% | 1,262 |
| Net charge-offs to loans | 0.1195% | 5,356 |
| Credit loss provision to net charge-offs | 194.4444% | 1,834 |
| Earnings coverage of net charge-offs (x) | 22.2771% | 1,101 |
| Efficiency ratio | 68.0223% | 4,462 |
| Assets per employee ($millions) | 2.5243% | 7,058 |
| Cash dividends to net income (ytd only)* | 47.0265% | 1,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0880% | 5,992 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2053% | 3,192 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 65.7291% | 3,750 |
| Net loans and leases to deposits | 83.7540% | 2,747 |
| Net loans and leases to core deposits | 88.9952% | 3,234 |
| Total domestic deposits to total assets | 78.4788% | 6,149 |
| Equity capital to assets | 10.1878% | 3,897 |
| Core capital (leverage) ratio | 9.5019% | 3,899 |
| Tier 1 risk-based capital ratio | 12.1715% | 5,300 |
| Total risk-based capital ratio | 13.1074% | 5,563 |
| Memoranda: | ||
| Average total assets | $30,373,000 | 7,279 |
| Average earning assets | $26,707,250 | 7,290 |
| Average equity | $2,955,500 | 7,382 |
| Average total loans | $20,089,250 | 7,008 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3401% | 103 |
| Cost of funding earning assets | 1.2795% | 4,653 |
| Net interest margin | 6.0606% | 89 |
| Noninterest income to average assets | 0.3553% | 5,301 |
| Noninterest expense to average assets | 3.8223% | 1,325 |
| Loan and lease loss provision to assets | 0.1842% | 5,031 |
| Net operating income to assets | 1.6250% | 686 |
| Return on assets (ROA) | 1.6250% | 739 |
| Pretax return on assets | 1.6776% | 1,094 |
| Return on Equity (ROE) | 16.9643% | 573 |
| Retained earnings to average equity (ytd only) | 5.5632% | 2,577 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2454% | 4,717 |
| Assets per employee ($millions) | 2.4978% | 7,105 |
| Cash dividends to net income (ytd only)* | 67.2065% | 1,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1495% | 5,691 |
| Loan loss allowance to noncurrent loans | 51.3393% | 4,881 |
| Noncurrent assets plus other real estate owned to assets | 2.2887% | 3,147 |
| Noncurrent loans to loans | 2.2391% | 3,440 |
| Net loans and leases to total assets | 65.9839% | 3,836 |
| Net loans and leases to deposits | 82.0732% | 3,262 |
| Net loans and leases to core deposits | 87.1354% | 3,669 |
| Total domestic deposits to total assets | 80.3963% | 5,592 |
| Equity capital to assets | 10.1121% | 3,877 |
| Core capital (leverage) ratio | 9.1817% | 4,327 |
| Tier 1 risk-based capital ratio | 11.8586% | 5,436 |
| Total risk-based capital ratio | 12.8537% | 5,633 |
| Memoranda: | ||
| Average total assets | $30,400,330 | 7,331 |
| Average earning assets | $26,730,000 | 7,348 |
| Average equity | $2,912,000 | 7,445 |
| Average total loans | $20,076,000 | 7,061 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5715% | 99 |
| Cost of funding earning assets | 1.3246% | 4,656 |
| Net interest margin | 6.2468% | 86 |
| Noninterest income to average assets | 0.4051% | 4,878 |
| Noninterest expense to average assets | 3.9982% | 1,032 |
| Loan and lease loss provision to assets | 0.2744% | 3,831 |
| Net operating income to assets | 1.5026% | 890 |
| Return on assets (ROA) | 1.5026% | 961 |
| Pretax return on assets | 1.5549% | 1,382 |
| Return on Equity (ROE) | 16.1262% | 701 |
| Retained earnings to average equity (ytd only) | -7.1516% | 6,757 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6099% | 4,601 |
| Assets per employee ($millions) | 2.3723% | 7,370 |
| Cash dividends to net income (ytd only)* | 144.3478% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1585% | 5,721 |
| Loan loss allowance to noncurrent loans | 49.7768% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 2.2244% | 3,244 |
| Noncurrent loans to loans | 2.3274% | 3,356 |
| Net loans and leases to total assets | 61.6926% | 4,816 |
| Net loans and leases to deposits | 72.6710% | 4,964 |
| Net loans and leases to core deposits | 76.7766% | 5,158 |
| Total domestic deposits to total assets | 84.8930% | 3,726 |
| Equity capital to assets | 9.1537% | 5,058 |
| Core capital (leverage) ratio | 8.4661% | 5,430 |
| Tier 1 risk-based capital ratio | 11.0889% | 6,072 |
| Total risk-based capital ratio | 12.0367% | 6,337 |
| Memoranda: | ||
| Average total assets | $30,613,500 | 7,421 |
| Average earning assets | $26,573,500 | 7,445 |
| Average equity | $2,852,500 | 7,540 |
| Average total loans | $20,110,000 | 7,149 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2326% | 198 |
| Cost of funding earning assets | 1.5916% | 5,063 |
| Net interest margin | 5.6409% | 161 |
| Noninterest income to average assets | 0.8051% | 2,381 |
| Noninterest expense to average assets | 5.0113% | 515 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6959% | 2,946 |
| Return on assets (ROA) | 0.6959% | 3,023 |
| Pretax return on assets | 0.7266% | 3,485 |
| Return on Equity (ROE) | 7.1887% | 2,716 |
| Retained earnings to average equity (ytd only) | -1.0924% | 5,280 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3365% | 1,946 |
| Assets per employee ($millions) | 2.1705% | 7,594 |
| Cash dividends to net income (ytd only)* | 115.1961% | 450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 6,566 |
| Loan loss allowance to noncurrent loans | 45.0893% | 5,393 |
| Noncurrent assets plus other real estate owned to assets | 2.2575% | 3,057 |
| Noncurrent loans to loans | 2.1363% | 3,473 |
| Net loans and leases to total assets | 68.3483% | 3,626 |
| Net loans and leases to deposits | 80.7096% | 3,858 |
| Net loans and leases to core deposits | 101.8687% | 3,813 |
| Total domestic deposits to total assets | 84.6842% | 3,716 |
| Equity capital to assets | 9.4843% | 4,433 |
| Core capital (leverage) ratio | 8.9644% | 4,483 |
| Tier 1 risk-based capital ratio | 10.7249% | 6,179 |
| Total risk-based capital ratio | 11.5394% | 6,567 |
| Memoranda: | ||
| Average total assets | $29,314,000 | 7,500 |
| Average earning assets | $25,634,000 | 7,518 |
| Average equity | $2,837,800 | 7,633 |
| Average total loans | $19,649,800 | 7,215 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1819% | 230 |
| Cost of funding earning assets | 1.6570% | 5,125 |
| Net interest margin | 5.5250% | 178 |
| Noninterest income to average assets | 0.9318% | 1,847 |
| Noninterest expense to average assets | 4.5398% | 714 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.1384% | 1,611 |
| Return on assets (ROA) | 1.1384% | 1,683 |
| Pretax return on assets | 1.1981% | 2,267 |
| Return on Equity (ROE) | 11.6975% | 1,441 |
| Retained earnings to average equity (ytd only) | 0.6131% | 4,945 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1200% | 2,975 |
| Assets per employee ($millions) | 2.0471% | 7,761 |
| Cash dividends to net income (ytd only)* | 94.7590% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 6,377 |
| Loan loss allowance to noncurrent loans | 45.1902% | 5,303 |
| Noncurrent assets plus other real estate owned to assets | 2.9485% | 2,345 |
| Noncurrent loans to loans | 2.1818% | 3,405 |
| Net loans and leases to total assets | 70.7840% | 3,318 |
| Net loans and leases to deposits | 84.5602% | 3,557 |
| Net loans and leases to core deposits | 109.4352% | 3,300 |
| Total domestic deposits to total assets | 83.7084% | 3,855 |
| Equity capital to assets | 10.2725% | 3,761 |
| Core capital (leverage) ratio | 9.0708% | 4,542 |
| Tier 1 risk-based capital ratio | 11.2222% | 5,720 |
| Total risk-based capital ratio | 12.0606% | 6,109 |
| Memoranda: | ||
| Average total assets | $29,045,750 | 7,575 |
| Average earning assets | $25,266,500 | 7,600 |
| Average equity | $2,826,750 | 7,708 |
| Average total loans | $19,319,500 | 7,301 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0053% | 313 |
| Cost of funding earning assets | 1.6717% | 5,407 |
| Net interest margin | 5.3335% | 234 |
| Noninterest income to average assets | 1.1722% | 1,138 |
| Noninterest expense to average assets | 4.5999% | 696 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1106% | 1,736 |
| Return on assets (ROA) | 1.1106% | 1,815 |
| Pretax return on assets | 1.1654% | 2,412 |
| Return on Equity (ROE) | 11.6226% | 1,528 |
| Retained earnings to average equity (ytd only) | -5.2373% | 6,343 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7860% | 3,075 |
| Assets per employee ($millions) | 2.1439% | 7,735 |
| Cash dividends to net income (ytd only)* | 145.0617% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 6,202 |
| Loan loss allowance to noncurrent loans | 45.1902% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 2.8153% | 2,280 |
| Noncurrent loans to loans | 2.2232% | 3,228 |
| Net loans and leases to total assets | 66.3135% | 4,503 |
| Net loans and leases to deposits | 78.2421% | 4,826 |
| Net loans and leases to core deposits | 97.6788% | 4,731 |
| Total domestic deposits to total assets | 84.7543% | 3,376 |
| Equity capital to assets | 9.3353% | 4,818 |
| Core capital (leverage) ratio | 8.9648% | 4,692 |
| Tier 1 risk-based capital ratio | 10.4390% | 6,437 |
| Total risk-based capital ratio | 11.2445% | 6,867 |
| Memoranda: | ||
| Average total assets | $29,174,670 | 7,639 |
| Average earning assets | $25,124,000 | 7,674 |
| Average equity | $2,787,670 | 7,794 |
| Average total loans | $18,930,000 | 7,401 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9586% | 374 |
| Cost of funding earning assets | 1.6913% | 5,631 |
| Net interest margin | 5.2673% | 246 |
| Noninterest income to average assets | 2.0032% | 365 |
| Noninterest expense to average assets | 5.0218% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4746% | 985 |
| Return on assets (ROA) | 1.4746% | 1,060 |
| Pretax return on assets | 1.5302% | 1,584 |
| Return on Equity (ROE) | 15.2491% | 930 |
| Retained earnings to average equity (ytd only) | -18.5578% | 7,604 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6454% | 3,380 |
| Assets per employee ($millions) | 2.0974% | 7,806 |
| Cash dividends to net income (ytd only)* | 221.6981% | 252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0979% | 5,486 |
| Loan loss allowance to noncurrent loans | 46.9767% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 2.8199% | 2,017 |
| Noncurrent loans to loans | 2.3372% | 2,815 |
| Net loans and leases to total assets | 61.9691% | 5,332 |
| Net loans and leases to deposits | 73.0675% | 5,602 |
| Net loans and leases to core deposits | 89.7018% | 5,584 |
| Total domestic deposits to total assets | 84.8108% | 3,297 |
| Equity capital to assets | 9.3485% | 4,864 |
| Core capital (leverage) ratio | 8.7434% | 5,075 |
| Tier 1 risk-based capital ratio | 10.7430% | 6,148 |
| Total risk-based capital ratio | 11.5901% | 6,474 |
| Memoranda: | ||
| Average total assets | $28,754,500 | 7,703 |
| Average earning assets | $24,832,500 | 7,730 |
| Average equity | $2,780,500 | 7,842 |
| Average total loans | $18,342,000 | 7,469 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2101% | 720 |
| Cost of funding earning assets | 2.1088% | 6,011 |
| Net interest margin | 5.1013% | 404 |
| Noninterest income to average assets | 2.8847% | 209 |
| Noninterest expense to average assets | 5.9582% | 407 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4091% | 1,209 |
| Return on assets (ROA) | 1.4091% | 1,166 |
| Pretax return on assets | 1.4686% | 1,771 |
| Return on Equity (ROE) | 14.8774% | 942 |
| Retained earnings to average equity (ytd only) | -0.6276% | 5,481 |
| Net charge-offs to loans | 0.0055% | 6,894 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 420.0000% | 124 |
| Efficiency ratio | 80.2260% | 2,565 |
| Assets per employee ($millions) | 1.7591% | 8,065 |
| Cash dividends to net income (ytd only)* | 104.2184% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1047% | 5,240 |
| Loan loss allowance to noncurrent loans | 50.6266% | 5,460 |
| Noncurrent assets plus other real estate owned to assets | 2.8317% | 1,659 |
| Noncurrent loans to loans | 2.1820% | 2,528 |
| Net loans and leases to total assets | 64.2507% | 5,226 |
| Net loans and leases to deposits | 75.5894% | 5,639 |
| Net loans and leases to core deposits | 92.6814% | 5,567 |
| Total domestic deposits to total assets | 84.9996% | 2,845 |
| Equity capital to assets | 10.0050% | 4,032 |
| Core capital (leverage) ratio | 9.4249% | 4,121 |
| Tier 1 risk-based capital ratio | 11.5991% | 5,157 |
| Total risk-based capital ratio | 12.4698% | 5,402 |
| Memoranda: | ||
| Average total assets | $28,599,200 | 7,702 |
| Average earning assets | $25,464,200 | 7,717 |
| Average equity | $2,708,800 | 7,926 |
| Average total loans | $18,180,400 | 7,450 |