Home > Downs Bank > Performance and Condition Ratios
Downs Bank, Performance and Condition Ratios
| 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 | 2.9494% | 6,167 |
| Cost of funding earning assets | 0.2107% | 5,746 |
| Net interest margin | 2.7387% | 5,960 |
| Noninterest income to average assets | 0.5531% | 3,186 |
| Noninterest expense to average assets | 3.2670% | 1,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.1327% | 6,238 |
| Return on assets (ROA) | -0.1475% | 6,252 |
| Pretax return on assets | -0.1402% | 6,225 |
| Return on Equity (ROE) | -1.5450% | 6,267 |
| Retained earnings to average equity (ytd only) | -2.2401% | 6,092 |
| Net charge-offs to loans | 1.1725% | 237 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | -0.3334% | 4,488 |
| Efficiency ratio | 103.9906% | 294 |
| Assets per employee ($millions) | 3.3850% | 5,068 |
| Cash dividends to net income (ytd only)* | -44.9944% | 6,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4977% | 2,724 |
| Loan loss allowance to noncurrent loans | 7,400.0000% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,182 |
| Noncurrent loans to loans | 0.0202% | 5,944 |
| Net loans and leases to total assets | 28.7563% | 6,294 |
| Net loans and leases to deposits | 32.0683% | 6,343 |
| Net loans and leases to core deposits | 32.0683% | 6,360 |
| Total domestic deposits to total assets | 89.6721% | 892 |
| Equity capital to assets | 10.2570% | 3,853 |
| Core capital (leverage) ratio | 9.8771% | 3,841 |
| Tier 1 risk-based capital ratio | 34.6024% | 368 |
| Total risk-based capital ratio | 35.8581% | 363 |
| Memoranda: | ||
| Average total assets | $18,079,500 | 6,512 |
| Average earning assets | $17,088,000 | 6,489 |
| Average equity | $1,726,250 | 6,513 |
| Average total loans | $5,799,750 | 6,498 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9987% | 6,181 |
| Cost of funding earning assets | 0.2060% | 5,864 |
| Net interest margin | 2.7927% | 5,926 |
| Noninterest income to average assets | 0.3033% | 4,980 |
| Noninterest expense to average assets | 2.9246% | 3,085 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0108% | 6,172 |
| Return on assets (ROA) | 0.0108% | 6,196 |
| Pretax return on assets | 0.0217% | 6,179 |
| Return on Equity (ROE) | 0.1161% | 6,197 |
| Retained earnings to average equity (ytd only) | -0.9286% | 5,843 |
| Net charge-offs to loans | -0.0986% | 6,139 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2647% | 425 |
| Assets per employee ($millions) | 3.5788% | 4,701 |
| Cash dividends to net income (ytd only)* | 900.0000% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4748% | 741 |
| Loan loss allowance to noncurrent loans | 329.5455% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 1.4586% | 2,233 |
| Noncurrent loans to loans | 0.7510% | 3,824 |
| Net loans and leases to total assets | 31.9325% | 6,246 |
| Net loans and leases to deposits | 35.4423% | 6,311 |
| Net loans and leases to core deposits | 35.4423% | 6,344 |
| Total domestic deposits to total assets | 90.0972% | 761 |
| Equity capital to assets | 9.7742% | 4,399 |
| Core capital (leverage) ratio | 9.7094% | 4,025 |
| Tier 1 risk-based capital ratio | 25.0534% | 869 |
| Total risk-based capital ratio | 26.3195% | 851 |
| Memoranda: | ||
| Average total assets | $18,464,330 | 6,575 |
| Average earning assets | $17,474,000 | 6,545 |
| Average equity | $1,723,000 | 6,575 |
| Average total loans | $6,086,000 | 6,557 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9902% | 6,250 |
| Cost of funding earning assets | 0.2039% | 5,958 |
| Net interest margin | 2.7864% | 5,962 |
| Noninterest income to average assets | 0.3840% | 4,319 |
| Noninterest expense to average assets | 2.9014% | 3,212 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1067% | 6,016 |
| Return on assets (ROA) | 0.1067% | 6,047 |
| Pretax return on assets | 0.1067% | 6,067 |
| Return on Equity (ROE) | 1.1696% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.1696% | 5,134 |
| Net charge-offs to loans | -0.0645% | 5,925 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4539% | 617 |
| Assets per employee ($millions) | 3.8662% | 4,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5673% | 751 |
| Loan loss allowance to noncurrent loans | 752.6316% | 670 |
| Noncurrent assets plus other real estate owned to assets | 1.2208% | 2,820 |
| Noncurrent loans to loans | 0.3411% | 5,092 |
| Net loans and leases to total assets | 28.0741% | 6,412 |
| Net loans and leases to deposits | 30.8615% | 6,464 |
| Net loans and leases to core deposits | 30.8615% | 6,482 |
| Total domestic deposits to total assets | 90.9679% | 580 |
| Equity capital to assets | 8.9235% | 5,195 |
| Core capital (leverage) ratio | 9.3403% | 4,511 |
| Tier 1 risk-based capital ratio | 26.0806% | 785 |
| Total risk-based capital ratio | 27.3449% | 770 |
| Memoranda: | ||
| Average total assets | $18,749,500 | 6,646 |
| Average earning assets | $17,657,500 | 6,615 |
| Average equity | $1,710,000 | 6,640 |
| Average total loans | $6,199,500 | 6,623 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2474% | 6,082 |
| Cost of funding earning assets | 0.2373% | 6,047 |
| Net interest margin | 3.0101% | 5,559 |
| Noninterest income to average assets | 0.4420% | 4,141 |
| Noninterest expense to average assets | 2.9376% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3018% | 5,513 |
| Return on assets (ROA) | 0.3018% | 5,610 |
| Pretax return on assets | 0.3072% | 5,716 |
| Return on Equity (ROE) | 3.2490% | 5,418 |
| Retained earnings to average equity (ytd only) | 3.2490% | 3,918 |
| Net charge-offs to loans | 0.0307% | 4,821 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 28.5000% | 1,232 |
| Efficiency ratio | 90.5316% | 981 |
| Assets per employee ($millions) | 3.6336% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0794% | 1,371 |
| Loan loss allowance to noncurrent loans | 645.4545% | 759 |
| Noncurrent assets plus other real estate owned to assets | 1.3155% | 2,789 |
| Noncurrent loans to loans | 0.3222% | 5,218 |
| Net loans and leases to total assets | 36.8065% | 6,167 |
| Net loans and leases to deposits | 40.8816% | 6,274 |
| Net loans and leases to core deposits | 40.8816% | 6,336 |
| Total domestic deposits to total assets | 90.0319% | 1,054 |
| Equity capital to assets | 9.3296% | 4,654 |
| Core capital (leverage) ratio | 9.7936% | 3,846 |
| Tier 1 risk-based capital ratio | 21.4754% | 1,343 |
| Total risk-based capital ratio | 22.7372% | 1,318 |
| Memoranda: | ||
| Average total assets | $18,552,800 | 6,721 |
| Average earning assets | $17,275,200 | 6,699 |
| Average equity | $1,723,600 | 6,731 |
| Average total loans | $6,515,800 | 6,703 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1918% | 6,208 |
| Cost of funding earning assets | 0.2390% | 6,164 |
| Net interest margin | 2.9527% | 5,693 |
| Noninterest income to average assets | 0.4003% | 4,541 |
| Noninterest expense to average assets | 2.9885% | 3,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1645% | 6,005 |
| Return on assets (ROA) | 0.1645% | 6,073 |
| Pretax return on assets | 0.1501% | 6,135 |
| Return on Equity (ROE) | 1.7721% | 6,008 |
| Retained earnings to average equity (ytd only) | 1.7721% | 5,254 |
| Net charge-offs to loans | 0.0415% | 4,323 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 10.4869% | 2,350 |
| Efficiency ratio | 95.2164% | 664 |
| Assets per employee ($millions) | 3.5808% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1656% | 1,386 |
| Loan loss allowance to noncurrent loans | 58.6777% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.3517% | 2,936 |
| Noncurrent loans to loans | 3.6907% | 1,001 |
| Net loans and leases to total assets | 35.8300% | 6,286 |
| Net loans and leases to deposits | 39.6453% | 6,396 |
| Net loans and leases to core deposits | 39.6453% | 6,457 |
| Total domestic deposits to total assets | 90.3765% | 804 |
| Equity capital to assets | 9.4727% | 4,585 |
| Core capital (leverage) ratio | 9.5129% | 4,382 |
| Tier 1 risk-based capital ratio | 24.8639% | 889 |
| Total risk-based capital ratio | 26.1243% | 876 |
| Memoranda: | ||
| Average total assets | $18,649,000 | 6,794 |
| Average earning assets | $17,294,250 | 6,775 |
| Average equity | $1,730,750 | 6,809 |
| Average total loans | $6,437,500 | 6,780 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1071% | 6,335 |
| Cost of funding earning assets | 0.2444% | 6,214 |
| Net interest margin | 2.8627% | 5,869 |
| Noninterest income to average assets | 0.4339% | 4,290 |
| Noninterest expense to average assets | 2.9528% | 3,152 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0953% | 6,140 |
| Return on assets (ROA) | 0.0953% | 6,225 |
| Pretax return on assets | 0.0847% | 6,251 |
| Return on Equity (ROE) | 1.0331% | 6,206 |
| Retained earnings to average equity (ytd only) | 1.0331% | 5,492 |
| Net charge-offs to loans | 0.0625% | 3,810 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,239 |
| Efficiency ratio | 97.2125% | 609 |
| Assets per employee ($millions) | 3.0948% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0517% | 1,738 |
| Loan loss allowance to noncurrent loans | 58.1967% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.3140% | 3,147 |
| Noncurrent loans to loans | 3.5255% | 1,199 |
| Net loans and leases to total assets | 36.5071% | 6,267 |
| Net loans and leases to deposits | 40.0674% | 6,402 |
| Net loans and leases to core deposits | 40.0674% | 6,470 |
| Total domestic deposits to total assets | 91.1142% | 508 |
| Equity capital to assets | 8.7781% | 5,466 |
| Core capital (leverage) ratio | 9.1504% | 4,757 |
| Tier 1 risk-based capital ratio | 23.1411% | 1,107 |
| Total risk-based capital ratio | 24.4050% | 1,092 |
| Memoranda: | ||
| Average total assets | $18,897,330 | 6,842 |
| Average earning assets | $17,186,330 | 6,821 |
| Average equity | $1,742,330 | 6,851 |
| Average total loans | $6,397,670 | 6,830 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1169% | 6,382 |
| Cost of funding earning assets | 0.2617% | 6,211 |
| Net interest margin | 2.8552% | 5,901 |
| Noninterest income to average assets | 0.3148% | 5,176 |
| Noninterest expense to average assets | 2.9588% | 3,126 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0839% | 6,424 |
| Return on assets (ROA) | -0.0839% | 6,478 |
| Pretax return on assets | -0.1259% | 6,505 |
| Return on Equity (ROE) | -0.8896% | 6,493 |
| Retained earnings to average equity (ytd only) | -0.8896% | 5,935 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4444% | 432 |
| Assets per employee ($millions) | 3.2263% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5509% | 1,060 |
| Loan loss allowance to noncurrent loans | 57.3705% | 4,838 |
| Noncurrent assets plus other real estate owned to assets | 1.2966% | 3,374 |
| Noncurrent loans to loans | 4.4464% | 948 |
| Net loans and leases to total assets | 28.4172% | 6,653 |
| Net loans and leases to deposits | 31.3572% | 6,708 |
| Net loans and leases to core deposits | 31.3572% | 6,738 |
| Total domestic deposits to total assets | 90.6240% | 705 |
| Equity capital to assets | 9.1797% | 5,275 |
| Core capital (leverage) ratio | 8.4941% | 5,600 |
| Tier 1 risk-based capital ratio | 25.8809% | 796 |
| Total risk-based capital ratio | 27.1416% | 786 |
| Memoranda: | ||
| Average total assets | $19,061,500 | 6,914 |
| Average earning assets | $16,811,500 | 6,901 |
| Average equity | $1,798,500 | 6,915 |
| Average total loans | $6,136,000 | 6,907 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6154% | 6,199 |
| Cost of funding earning assets | 0.3391% | 6,273 |
| Net interest margin | 3.2763% | 5,335 |
| Noninterest income to average assets | 0.3067% | 5,252 |
| Noninterest expense to average assets | 2.9740% | 3,368 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2848% | 5,517 |
| Return on assets (ROA) | 0.2848% | 5,730 |
| Pretax return on assets | 0.2958% | 5,822 |
| Return on Equity (ROE) | 2.8660% | 5,604 |
| Retained earnings to average equity (ytd only) | 0.4960% | 5,598 |
| Net charge-offs to loans | 0.3627% | 2,820 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 2.3478% | 4,239 |
| Efficiency ratio | 90.9548% | 993 |
| Assets per employee ($millions) | 3.1275% | 5,793 |
| Cash dividends to net income (ytd only)* | 82.6923% | 917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1729% | 1,599 |
| Loan loss allowance to noncurrent loans | 59.0164% | 4,699 |
| Noncurrent assets plus other real estate owned to assets | 1.3003% | 3,478 |
| Noncurrent loans to loans | 3.6819% | 1,316 |
| Net loans and leases to total assets | 34.5484% | 6,515 |
| Net loans and leases to deposits | 38.3723% | 6,623 |
| Net loans and leases to core deposits | 38.3723% | 6,658 |
| Total domestic deposits to total assets | 90.0346% | 931 |
| Equity capital to assets | 9.6989% | 4,589 |
| Core capital (leverage) ratio | 9.6019% | 3,961 |
| Tier 1 risk-based capital ratio | 24.6008% | 898 |
| Total risk-based capital ratio | 25.8668% | 878 |
| Memoranda: | ||
| Average total assets | $18,258,200 | 6,985 |
| Average earning assets | $16,512,600 | 6,968 |
| Average equity | $1,814,400 | 6,981 |
| Average total loans | $6,340,600 | 6,967 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6255% | 6,356 |
| Cost of funding earning assets | 0.3503% | 6,371 |
| Net interest margin | 3.2752% | 5,472 |
| Noninterest income to average assets | 0.2868% | 5,489 |
| Noninterest expense to average assets | 2.9487% | 3,411 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2721% | 5,710 |
| Return on assets (ROA) | 0.2721% | 5,903 |
| Pretax return on assets | 0.2941% | 5,967 |
| Return on Equity (ROE) | 2.7209% | 5,783 |
| Retained earnings to average equity (ytd only) | 0.5885% | 5,917 |
| Net charge-offs to loans | 0.4892% | 2,152 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.7388% | 4,404 |
| Efficiency ratio | 90.9297% | 968 |
| Assets per employee ($millions) | 2.9623% | 6,109 |
| Cash dividends to net income (ytd only)* | 78.3904% | 684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2260% | 1,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 35.5857% | 6,575 |
| Net loans and leases to deposits | 40.8565% | 6,647 |
| Net loans and leases to core deposits | 40.8565% | 6,708 |
| Total domestic deposits to total assets | 87.0991% | 2,602 |
| Equity capital to assets | 10.3241% | 4,048 |
| Core capital (leverage) ratio | 9.6300% | 4,079 |
| Tier 1 risk-based capital ratio | 26.0750% | 814 |
| Total risk-based capital ratio | 27.3407% | 801 |
| Memoranda: | ||
| Average total assets | $18,131,500 | 7,080 |
| Average earning assets | $16,365,000 | 7,063 |
| Average equity | $1,813,000 | 7,075 |
| Average total loans | $6,269,000 | 7,063 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 6,465 |
| Cost of funding earning assets | 0.3553% | 6,488 |
| Net interest margin | 3.2594% | 5,564 |
| Noninterest income to average assets | 0.2849% | 5,536 |
| Noninterest expense to average assets | 2.9478% | 3,448 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2301% | 5,828 |
| Return on assets (ROA) | 0.2301% | 6,016 |
| Pretax return on assets | 0.2520% | 6,055 |
| Return on Equity (ROE) | 2.3260% | 5,940 |
| Retained earnings to average equity (ytd only) | 0.5538% | 5,843 |
| Net charge-offs to loans | -0.0322% | 6,550 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.1233% | 922 |
| Assets per employee ($millions) | 3.0530% | 5,949 |
| Cash dividends to net income (ytd only)* | 76.1905% | 896 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6524% | 1,099 |
| Loan loss allowance to noncurrent loans | 884.2105% | 465 |
| Noncurrent assets plus other real estate owned to assets | 0.1037% | 6,536 |
| Noncurrent loans to loans | 0.3000% | 5,961 |
| Net loans and leases to total assets | 33.6609% | 6,742 |
| Net loans and leases to deposits | 38.5688% | 6,780 |
| Net loans and leases to core deposits | 38.5688% | 6,854 |
| Total domestic deposits to total assets | 87.2748% | 2,611 |
| Equity capital to assets | 9.9028% | 4,483 |
| Core capital (leverage) ratio | 9.3464% | 4,377 |
| Tier 1 risk-based capital ratio | 19.5074% | 1,850 |
| Total risk-based capital ratio | 20.7675% | 1,813 |
| Memoranda: | ||
| Average total assets | $18,250,670 | 7,137 |
| Average earning assets | $16,322,000 | 7,124 |
| Average equity | $1,805,670 | 7,127 |
| Average total loans | $6,202,330 | 7,123 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6391% | 6,527 |
| Cost of funding earning assets | 0.3961% | 6,427 |
| Net interest margin | 3.2430% | 5,654 |
| Noninterest income to average assets | 0.3074% | 5,426 |
| Noninterest expense to average assets | 2.9862% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1976% | 5,996 |
| Return on assets (ROA) | 0.1976% | 6,141 |
| Pretax return on assets | 0.1976% | 6,210 |
| Return on Equity (ROE) | 1.9983% | 6,077 |
| Retained earnings to average equity (ytd only) | 0.4441% | 5,854 |
| Net charge-offs to loans | -0.0652% | 6,644 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7931% | 830 |
| Assets per employee ($millions) | 3.0945% | 5,969 |
| Cash dividends to net income (ytd only)* | 77.7778% | 840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9740% | 856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 29.5201% | 6,926 |
| Net loans and leases to deposits | 32.7419% | 6,989 |
| Net loans and leases to core deposits | 32.7419% | 7,019 |
| Total domestic deposits to total assets | 90.1600% | 1,002 |
| Equity capital to assets | 9.6461% | 4,591 |
| Core capital (leverage) ratio | 9.1437% | 4,616 |
| Tier 1 risk-based capital ratio | 20.6787% | 1,549 |
| Total risk-based capital ratio | 21.9438% | 1,519 |
| Memoranda: | ||
| Average total assets | $18,217,000 | 7,201 |
| Average earning assets | $16,158,000 | 7,186 |
| Average equity | $1,801,500 | 7,181 |
| Average total loans | $6,136,500 | 7,187 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9773% | 6,495 |
| Cost of funding earning assets | 0.4745% | 6,638 |
| Net interest margin | 3.5028% | 5,137 |
| Noninterest income to average assets | 0.3709% | 4,855 |
| Noninterest expense to average assets | 3.0067% | 3,563 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5002% | 4,425 |
| Return on assets (ROA) | 0.5002% | 4,637 |
| Pretax return on assets | 0.5170% | 4,940 |
| Return on Equity (ROE) | 5.0028% | 4,390 |
| Retained earnings to average equity (ytd only) | 1.2366% | 5,275 |
| Net charge-offs to loans | -0.0792% | 7,110 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3270% | 1,641 |
| Assets per employee ($millions) | 2.9778% | 6,136 |
| Cash dividends to net income (ytd only)* | 75.2809% | 937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5211% | 1,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 36.1393% | 6,763 |
| Net loans and leases to deposits | 40.3689% | 6,865 |
| Net loans and leases to core deposits | 40.3689% | 6,933 |
| Total domestic deposits to total assets | 89.5226% | 1,251 |
| Equity capital to assets | 10.1416% | 3,980 |
| Core capital (leverage) ratio | 9.5627% | 3,928 |
| Tier 1 risk-based capital ratio | 21.5739% | 1,305 |
| Total risk-based capital ratio | 22.8324% | 1,271 |
| Memoranda: | ||
| Average total assets | $17,793,400 | 7,247 |
| Average earning assets | $16,015,800 | 7,231 |
| Average equity | $1,779,000 | 7,240 |
| Average total loans | $6,313,600 | 7,235 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9889% | 6,608 |
| Cost of funding earning assets | 0.4934% | 6,723 |
| Net interest margin | 3.4955% | 5,210 |
| Noninterest income to average assets | 0.3376% | 5,154 |
| Noninterest expense to average assets | 3.0379% | 3,412 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4200% | 4,904 |
| Return on assets (ROA) | 0.4200% | 5,096 |
| Pretax return on assets | 0.4350% | 5,358 |
| Return on Equity (ROE) | 4.2163% | 4,911 |
| Retained earnings to average equity (ytd only) | 1.0544% | 5,595 |
| Net charge-offs to loans | -0.0855% | 7,140 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4730% | 1,390 |
| Assets per employee ($millions) | 2.8953% | 6,317 |
| Cash dividends to net income (ytd only)* | 75.0067% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5499% | 1,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 36.5185% | 6,845 |
| Net loans and leases to deposits | 41.0111% | 6,945 |
| Net loans and leases to core deposits | 41.0111% | 7,007 |
| Total domestic deposits to total assets | 89.0456% | 1,408 |
| Equity capital to assets | 10.6436% | 3,523 |
| Core capital (leverage) ratio | 9.6070% | 3,980 |
| Tier 1 risk-based capital ratio | 23.1674% | 1,128 |
| Total risk-based capital ratio | 24.4256% | 1,107 |
| Memoranda: | ||
| Average total assets | $17,775,000 | 7,323 |
| Average earning assets | $15,943,750 | 7,310 |
| Average equity | $1,770,750 | 7,316 |
| Average total loans | $6,236,000 | 7,311 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9348% | 6,762 |
| Cost of funding earning assets | 0.5213% | 6,776 |
| Net interest margin | 3.4135% | 5,508 |
| Noninterest income to average assets | 0.3462% | 5,112 |
| Noninterest expense to average assets | 3.0264% | 3,534 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3685% | 5,092 |
| Return on assets (ROA) | 0.3685% | 5,230 |
| Pretax return on assets | 0.3909% | 5,416 |
| Return on Equity (ROE) | 3.7830% | 5,029 |
| Retained earnings to average equity (ytd only) | 0.9171% | 5,500 |
| Net charge-offs to loans | -0.0651% | 7,076 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5621% | 1,355 |
| Assets per employee ($millions) | 3.0213% | 6,036 |
| Cash dividends to net income (ytd only)* | 75.7576% | 894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6240% | 1,280 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 33.5724% | 7,058 |
| Net loans and leases to deposits | 38.7693% | 7,102 |
| Net loans and leases to core deposits | 38.7693% | 7,148 |
| Total domestic deposits to total assets | 86.5953% | 2,990 |
| Equity capital to assets | 9.9846% | 4,170 |
| Core capital (leverage) ratio | 9.3788% | 4,145 |
| Tier 1 risk-based capital ratio | 22.6729% | 1,169 |
| Total risk-based capital ratio | 23.9355% | 1,149 |
| Memoranda: | ||
| Average total assets | $17,909,330 | 7,389 |
| Average earning assets | $16,112,670 | 7,379 |
| Average equity | $1,744,670 | 7,392 |
| Average total loans | $6,144,670 | 7,386 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9736% | 6,737 |
| Cost of funding earning assets | 0.6036% | 6,602 |
| Net interest margin | 3.3700% | 5,541 |
| Noninterest income to average assets | 0.3371% | 5,210 |
| Noninterest expense to average assets | 3.1011% | 3,239 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2472% | 5,624 |
| Return on assets (ROA) | 0.2472% | 5,692 |
| Pretax return on assets | 0.2472% | 5,816 |
| Return on Equity (ROE) | 2.5701% | 5,574 |
| Retained earnings to average equity (ytd only) | 0.4673% | 5,634 |
| Net charge-offs to loans | -0.0657% | 6,972 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6174% | 1,126 |
| Assets per employee ($millions) | 3.0230% | 6,108 |
| Cash dividends to net income (ytd only)* | 81.8182% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7925% | 1,119 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 31.2824% | 7,195 |
| Net loans and leases to deposits | 34.6039% | 7,259 |
| Net loans and leases to core deposits | 34.6039% | 7,293 |
| Total domestic deposits to total assets | 90.4014% | 894 |
| Equity capital to assets | 9.4002% | 4,572 |
| Core capital (leverage) ratio | 9.0391% | 4,553 |
| Tier 1 risk-based capital ratio | 24.0457% | 970 |
| Total risk-based capital ratio | 25.3038% | 952 |
| Memoranda: | ||
| Average total assets | $17,800,000 | 7,449 |
| Average earning assets | $15,905,000 | 7,439 |
| Average equity | $1,712,000 | 7,444 |
| Average total loans | $6,092,000 | 7,444 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3713% | 6,669 |
| Cost of funding earning assets | 0.7318% | 6,789 |
| Net interest margin | 3.6395% | 4,621 |
| Noninterest income to average assets | 0.3199% | 5,503 |
| Noninterest expense to average assets | 3.1060% | 3,433 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4711% | 4,224 |
| Return on assets (ROA) | 0.4711% | 4,390 |
| Pretax return on assets | 0.4828% | 4,680 |
| Return on Equity (ROE) | 4.6514% | 4,230 |
| Retained earnings to average equity (ytd only) | 0.9762% | 5,057 |
| Net charge-offs to loans | -0.0478% | 7,442 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5478% | 1,623 |
| Assets per employee ($millions) | 2.9103% | 6,297 |
| Cash dividends to net income (ytd only)* | 79.0123% | 887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5524% | 1,342 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 35.4198% | 7,183 |
| Net loans and leases to deposits | 39.4024% | 7,274 |
| Net loans and leases to core deposits | 39.4024% | 7,318 |
| Total domestic deposits to total assets | 89.8923% | 1,168 |
| Equity capital to assets | 9.8442% | 3,946 |
| Core capital (leverage) ratio | 9.5858% | 3,583 |
| Tier 1 risk-based capital ratio | 23.2913% | 1,000 |
| Total risk-based capital ratio | 24.5529% | 980 |
| Memoranda: | ||
| Average total assets | $17,192,400 | 7,530 |
| Average earning assets | $15,441,800 | 7,513 |
| Average equity | $1,741,400 | 7,550 |
| Average total loans | $6,279,000 | 7,522 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3684% | 6,863 |
| Cost of funding earning assets | 0.7653% | 6,862 |
| Net interest margin | 3.6030% | 4,858 |
| Noninterest income to average assets | 0.3192% | 5,598 |
| Noninterest expense to average assets | 3.0676% | 3,497 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5060% | 4,287 |
| Return on assets (ROA) | 0.5060% | 4,479 |
| Pretax return on assets | 0.5138% | 4,878 |
| Return on Equity (ROE) | 4.9605% | 4,310 |
| Retained earnings to average equity (ytd only) | 1.2210% | 5,326 |
| Net charge-offs to loans | -0.0426% | 7,449 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6522% | 1,667 |
| Assets per employee ($millions) | 2.8672% | 6,450 |
| Cash dividends to net income (ytd only)* | 75.3866% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5105% | 1,310 |
| Loan loss allowance to noncurrent loans | 947.0588% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0988% | 7,107 |
| Noncurrent loans to loans | 0.2651% | 6,656 |
| Net loans and leases to total assets | 36.3425% | 7,251 |
| Net loans and leases to deposits | 40.7403% | 7,351 |
| Net loans and leases to core deposits | 40.7403% | 7,409 |
| Total domestic deposits to total assets | 89.2054% | 1,282 |
| Equity capital to assets | 10.4807% | 3,545 |
| Core capital (leverage) ratio | 9.5360% | 3,850 |
| Tier 1 risk-based capital ratio | 22.4285% | 1,145 |
| Total risk-based capital ratio | 23.6842% | 1,113 |
| Memoranda: | ||
| Average total assets | $17,125,000 | 7,625 |
| Average earning assets | $15,505,000 | 7,603 |
| Average equity | $1,747,000 | 7,645 |
| Average total loans | $6,262,000 | 7,620 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4052% | 6,891 |
| Cost of funding earning assets | 0.8317% | 6,813 |
| Net interest margin | 3.5735% | 4,932 |
| Noninterest income to average assets | 0.3509% | 5,345 |
| Noninterest expense to average assets | 3.0879% | 3,371 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4796% | 4,416 |
| Return on assets (ROA) | 0.4796% | 4,573 |
| Pretax return on assets | 0.4796% | 4,964 |
| Return on Equity (ROE) | 4.7445% | 4,412 |
| Retained earnings to average equity (ytd only) | 1.1572% | 5,287 |
| Net charge-offs to loans | -0.0644% | 7,486 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5574% | 1,650 |
| Assets per employee ($millions) | 2.4907% | 7,116 |
| Cash dividends to net income (ytd only)* | 75.6098% | 872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5000% | 1,300 |
| Loan loss allowance to noncurrent loans | 2,012.5000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0459% | 7,274 |
| Noncurrent loans to loans | 0.1242% | 7,017 |
| Net loans and leases to total assets | 36.0138% | 7,350 |
| Net loans and leases to deposits | 40.2423% | 7,439 |
| Net loans and leases to core deposits | 40.2423% | 7,486 |
| Total domestic deposits to total assets | 89.4924% | 1,183 |
| Equity capital to assets | 10.1692% | 3,811 |
| Core capital (leverage) ratio | 9.7876% | 3,423 |
| Tier 1 risk-based capital ratio | 22.1413% | 1,178 |
| Total risk-based capital ratio | 23.3986% | 1,152 |
| Memoranda: | ||
| Average total assets | $17,099,000 | 7,693 |
| Average earning assets | $15,391,000 | 7,674 |
| Average equity | $1,728,330 | 7,711 |
| Average total loans | $6,211,670 | 7,690 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4308% | 6,936 |
| Cost of funding earning assets | 0.9495% | 6,581 |
| Net interest margin | 3.4814% | 5,236 |
| Noninterest income to average assets | 0.8505% | 1,811 |
| Noninterest expense to average assets | 3.6147% | 1,699 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3544% | 5,058 |
| Return on assets (ROA) | 0.3544% | 5,181 |
| Pretax return on assets | 0.3544% | 5,438 |
| Return on Equity (ROE) | 3.5170% | 5,102 |
| Retained earnings to average equity (ytd only) | 0.9379% | 5,439 |
| Net charge-offs to loans | -0.1312% | 7,576 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0714% | 1,347 |
| Assets per employee ($millions) | 2.4200% | 7,309 |
| Cash dividends to net income (ytd only)* | 73.3333% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7159% | 1,072 |
| Loan loss allowance to noncurrent loans | 619.2308% | 529 |
| Noncurrent assets plus other real estate owned to assets | 0.1535% | 7,094 |
| Noncurrent loans to loans | 0.4386% | 6,420 |
| Net loans and leases to total assets | 34.0437% | 7,494 |
| Net loans and leases to deposits | 37.9708% | 7,580 |
| Net loans and leases to core deposits | 37.9708% | 7,621 |
| Total domestic deposits to total assets | 89.6576% | 1,155 |
| Equity capital to assets | 10.0767% | 3,772 |
| Core capital (leverage) ratio | 9.7995% | 3,397 |
| Tier 1 risk-based capital ratio | 24.6052% | 906 |
| Total risk-based capital ratio | 25.8745% | 877 |
| Memoranda: | ||
| Average total assets | $16,931,000 | 7,796 |
| Average earning assets | $15,166,500 | 7,779 |
| Average equity | $1,706,000 | 7,803 |
| Average total loans | $6,097,500 | 7,792 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0546% | 6,245 |
| Cost of funding earning assets | 1.1926% | 6,681 |
| Net interest margin | 3.8620% | 3,428 |
| Noninterest income to average assets | 0.3551% | 5,566 |
| Noninterest expense to average assets | 3.2642% | 3,144 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.5420% | 3,564 |
| Return on assets (ROA) | 0.5420% | 3,648 |
| Pretax return on assets | 0.5606% | 4,017 |
| Return on Equity (ROE) | 5.1225% | 3,618 |
| Retained earnings to average equity (ytd only) | 1.2953% | 4,137 |
| Net charge-offs to loans | -0.0625% | 7,860 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3420% | 2,184 |
| Assets per employee ($millions) | 2.4174% | 7,330 |
| Cash dividends to net income (ytd only)* | 74.7126% | 1,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5371% | 1,181 |
| Loan loss allowance to noncurrent loans | 1,766.6667% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0532% | 7,364 |
| Noncurrent loans to loans | 0.1436% | 7,070 |
| Net loans and leases to total assets | 36.0950% | 7,515 |
| Net loans and leases to deposits | 40.2982% | 7,620 |
| Net loans and leases to core deposits | 41.8729% | 7,733 |
| Total domestic deposits to total assets | 89.5698% | 1,176 |
| Equity capital to assets | 10.0756% | 3,654 |
| Core capital (leverage) ratio | 10.0096% | 3,080 |
| Tier 1 risk-based capital ratio | 23.7470% | 972 |
| Total risk-based capital ratio | 25.0036% | 953 |
| Memoranda: | ||
| Average total assets | $16,053,000 | 7,875 |
| Average earning assets | $14,422,600 | 7,861 |
| Average equity | $1,698,400 | 7,894 |
| Average total loans | $6,403,000 | 7,848 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0839% | 6,324 |
| Cost of funding earning assets | 1.2336% | 6,790 |
| Net interest margin | 3.8503% | 3,431 |
| Noninterest income to average assets | 0.3620% | 5,605 |
| Noninterest expense to average assets | 3.2752% | 3,010 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.5136% | 3,923 |
| Return on assets (ROA) | 0.5136% | 4,017 |
| Pretax return on assets | 0.5557% | 4,346 |
| Return on Equity (ROE) | 4.7933% | 4,050 |
| Retained earnings to average equity (ytd only) | 1.1787% | 4,666 |
| Net charge-offs to loans | -0.0621% | 7,882 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4945% | 2,123 |
| Assets per employee ($millions) | 2.3126% | 7,489 |
| Cash dividends to net income (ytd only)* | 75.4088% | 1,095 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5308% | 1,026 |
| Loan loss allowance to noncurrent loans | 607.6923% | 538 |
| Noncurrent assets plus other real estate owned to assets | 0.1606% | 7,139 |
| Noncurrent loans to loans | 0.4165% | 6,502 |
| Net loans and leases to total assets | 37.5896% | 7,565 |
| Net loans and leases to deposits | 42.2042% | 7,668 |
| Net loans and leases to core deposits | 43.1622% | 7,808 |
| Total domestic deposits to total assets | 89.0660% | 1,165 |
| Equity capital to assets | 10.5696% | 3,435 |
| Core capital (leverage) ratio | 10.1075% | 3,168 |
| Tier 1 risk-based capital ratio | 24.5258% | 946 |
| Total risk-based capital ratio | 25.7854% | 924 |
| Memoranda: | ||
| Average total assets | $15,835,750 | 7,957 |
| Average earning assets | $14,267,000 | 7,945 |
| Average equity | $1,696,750 | 7,980 |
| Average total loans | $6,437,000 | 7,925 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1405% | 6,284 |
| Cost of funding earning assets | 1.2780% | 6,875 |
| Net interest margin | 3.8624% | 3,282 |
| Noninterest income to average assets | 0.3944% | 5,338 |
| Noninterest expense to average assets | 3.2064% | 3,319 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5980% | 3,683 |
| Return on assets (ROA) | 0.5980% | 3,791 |
| Pretax return on assets | 0.6489% | 4,164 |
| Return on Equity (ROE) | 5.5556% | 3,836 |
| Retained earnings to average equity (ytd only) | 1.4184% | 4,540 |
| Net charge-offs to loans | -0.0615% | 7,879 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1683% | 2,583 |
| Assets per employee ($millions) | 2.3163% | 7,526 |
| Cash dividends to net income (ytd only)* | 74.4681% | 1,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5405% | 866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 37.1469% | 7,671 |
| Net loans and leases to deposits | 41.6010% | 7,768 |
| Net loans and leases to core deposits | 42.1602% | 7,905 |
| Total domestic deposits to total assets | 89.2932% | 1,124 |
| Equity capital to assets | 10.2751% | 3,637 |
| Core capital (leverage) ratio | 10.5176% | 2,796 |
| Tier 1 risk-based capital ratio | 24.8085% | 961 |
| Total risk-based capital ratio | 26.0700% | 940 |
| Memoranda: | ||
| Average total assets | $15,718,330 | 8,049 |
| Average earning assets | $14,084,330 | 8,035 |
| Average equity | $1,692,000 | 8,059 |
| Average total loans | $6,501,670 | 8,009 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 6,039 |
| Cost of funding earning assets | 1.3311% | 6,929 |
| Net interest margin | 3.9353% | 2,907 |
| Noninterest income to average assets | 0.9308% | 1,733 |
| Noninterest expense to average assets | 3.8008% | 1,471 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.6205% | 3,937 |
| Return on assets (ROA) | 0.6205% | 4,122 |
| Pretax return on assets | 0.6464% | 4,600 |
| Return on Equity (ROE) | 5.6305% | 4,200 |
| Retained earnings to average equity (ytd only) | 1.6422% | 4,927 |
| Net charge-offs to loans | -0.0600% | 7,754 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4651% | 2,134 |
| Assets per employee ($millions) | 2.1689% | 7,754 |
| Cash dividends to net income (ytd only)* | 70.8333% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4528% | 798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 40.8642% | 7,527 |
| Net loans and leases to deposits | 46.2330% | 7,654 |
| Net loans and leases to core deposits | 46.9041% | 7,851 |
| Total domestic deposits to total assets | 88.3876% | 1,528 |
| Equity capital to assets | 11.2041% | 2,806 |
| Core capital (leverage) ratio | 10.3971% | 3,027 |
| Tier 1 risk-based capital ratio | 25.0532% | 977 |
| Total risk-based capital ratio | 26.3158% | 951 |
| Memoranda: | ||
| Average total assets | $15,470,500 | 8,103 |
| Average earning assets | $13,823,500 | 8,092 |
| Average equity | $1,705,000 | 8,112 |
| Average total loans | $6,662,500 | 8,053 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9748% | 5,670 |
| Cost of funding earning assets | 1.8774% | 6,801 |
| Net interest margin | 4.0974% | 2,721 |
| Noninterest income to average assets | 0.3860% | 5,587 |
| Noninterest expense to average assets | 3.2981% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7924% | 3,468 |
| Return on assets (ROA) | 0.7924% | 3,310 |
| Pretax return on assets | 0.8127% | 4,022 |
| Return on Equity (ROE) | 7.0627% | 3,499 |
| Retained earnings to average equity (ytd only) | 1.7506% | 4,157 |
| Net charge-offs to loans | -0.2183% | 8,175 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2306% | 2,563 |
| Assets per employee ($millions) | 2.2513% | 7,630 |
| Cash dividends to net income (ytd only)* | 75.2137% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2254% | 923 |
| Loan loss allowance to noncurrent loans | 7,750.0000% | 90 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,565 |
| Noncurrent loans to loans | 0.0287% | 7,397 |
| Net loans and leases to total assets | 43.2134% | 7,518 |
| Net loans and leases to deposits | 48.7090% | 7,680 |
| Net loans and leases to core deposits | 48.7090% | 7,912 |
| Total domestic deposits to total assets | 88.7176% | 1,143 |
| Equity capital to assets | 10.8446% | 3,168 |
| Core capital (leverage) ratio | 10.9877% | 2,600 |
| Tier 1 risk-based capital ratio | 22.5984% | 1,239 |
| Total risk-based capital ratio | 23.8646% | 1,213 |
| Memoranda: | ||
| Average total assets | $14,766,200 | 8,169 |
| Average earning assets | $13,423,000 | 8,157 |
| Average equity | $1,656,600 | 8,187 |
| Average total loans | $6,872,200 | 8,086 |