Home > Elkville State Bank > Performance and Condition Ratios
Elkville State Bank, Performance and Condition Ratios
| 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 | 2.1457% | 6,907 |
| Cost of funding earning assets | 0.2596% | 6,225 |
| Net interest margin | 1.8862% | 6,874 |
| Noninterest income to average assets | 0.1645% | 6,274 |
| Noninterest expense to average assets | 1.5952% | 6,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3454% | 5,374 |
| Return on assets (ROA) | 0.3454% | 5,518 |
| Pretax return on assets | 0.3618% | 5,674 |
| Return on Equity (ROE) | 2.0253% | 5,934 |
| Retained earnings to average equity (ytd only) | 2.0253% | 4,988 |
| 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 | 81.5126% | 2,113 |
| Assets per employee ($millions) | 4.8226% | 2,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0900% | 1,819 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 10.1024% | 6,954 |
| Net loans and leases to deposits | 12.3005% | 6,955 |
| Net loans and leases to core deposits | 12.4604% | 6,947 |
| Total domestic deposits to total assets | 82.1300% | 5,145 |
| Equity capital to assets | 17.2563% | 400 |
| Core capital (leverage) ratio | 17.6460% | 310 |
| Tier 1 risk-based capital ratio | 38.9269% | 252 |
| Total risk-based capital ratio | 39.4426% | 259 |
| Memoranda: | ||
| Average total assets | $24,322,500 | 6,830 |
| Average earning assets | $23,115,500 | 6,787 |
| Average equity | $4,147,500 | 6,478 |
| Average total loans | $2,506,000 | 6,969 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4087% | 6,954 |
| Cost of funding earning assets | 0.3229% | 6,344 |
| Net interest margin | 2.0857% | 6,904 |
| Noninterest income to average assets | 0.2260% | 5,825 |
| Noninterest expense to average assets | 1.7227% | 6,704 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5032% | 4,682 |
| Return on assets (ROA) | 0.5074% | 4,916 |
| Pretax return on assets | 0.4904% | 5,309 |
| Return on Equity (ROE) | 2.9010% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.5353% | 4,438 |
| Net charge-offs to loans | 0.4851% | 2,294 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 8.7692% | 2,356 |
| Efficiency ratio | 77.9923% | 2,447 |
| Assets per employee ($millions) | 4.9064% | 2,349 |
| Cash dividends to net income (ytd only)* | 12.6050% | 4,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0602% | 1,859 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 10.0766% | 7,012 |
| Net loans and leases to deposits | 12.2050% | 7,014 |
| Net loans and leases to core deposits | 12.3600% | 7,009 |
| Total domestic deposits to total assets | 82.5616% | 4,907 |
| Equity capital to assets | 16.8515% | 433 |
| Core capital (leverage) ratio | 17.6173% | 306 |
| Tier 1 risk-based capital ratio | 38.3535% | 270 |
| Total risk-based capital ratio | 38.8643% | 278 |
| Memoranda: | ||
| Average total assets | $23,451,000 | 6,900 |
| Average earning assets | $22,294,600 | 6,861 |
| Average equity | $4,102,000 | 6,544 |
| Average total loans | $2,679,800 | 7,039 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4415% | 7,061 |
| Cost of funding earning assets | 0.3367% | 6,435 |
| Net interest margin | 2.1048% | 7,009 |
| Noninterest income to average assets | 0.2358% | 5,864 |
| Noninterest expense to average assets | 1.3057% | 7,043 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9778% | 2,619 |
| Return on assets (ROA) | 0.9835% | 2,822 |
| Pretax return on assets | 0.9490% | 3,921 |
| Return on Equity (ROE) | 5.5689% | 4,559 |
| Retained earnings to average equity (ytd only) | 5.4712% | 3,056 |
| Net charge-offs to loans | -0.0489% | 6,705 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0563% | 5,785 |
| Assets per employee ($millions) | 4.4210% | 3,044 |
| Cash dividends to net income (ytd only)* | 1.7545% | 3,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4399% | 1,287 |
| Loan loss allowance to noncurrent loans | 440.0000% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 6,572 |
| Noncurrent loans to loans | 0.5545% | 5,337 |
| Net loans and leases to total assets | 11.9385% | 7,107 |
| Net loans and leases to deposits | 14.9147% | 7,108 |
| Net loans and leases to core deposits | 15.1319% | 7,101 |
| Total domestic deposits to total assets | 80.0452% | 5,639 |
| Equity capital to assets | 19.1948% | 284 |
| Core capital (leverage) ratio | 17.8313% | 308 |
| Tier 1 risk-based capital ratio | 40.9579% | 221 |
| Total risk-based capital ratio | 41.6391% | 229 |
| Memoranda: | ||
| Average total assets | $23,180,750 | 6,996 |
| Average earning assets | $22,171,500 | 6,948 |
| Average equity | $4,094,000 | 6,620 |
| Average total loans | $2,718,750 | 7,135 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4456% | 7,133 |
| Cost of funding earning assets | 0.3392% | 6,559 |
| Net interest margin | 2.1064% | 7,074 |
| Noninterest income to average assets | 0.2294% | 5,929 |
| Noninterest expense to average assets | 1.3509% | 7,074 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.9516% | 2,653 |
| Return on assets (ROA) | 0.9516% | 2,910 |
| Pretax return on assets | 0.8836% | 4,143 |
| Return on Equity (ROE) | 5.5386% | 4,567 |
| Retained earnings to average equity (ytd only) | 5.3903% | 3,052 |
| Net charge-offs to loans | -0.0734% | 6,782 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4563% | 5,508 |
| Assets per employee ($millions) | 4.6036% | 2,719 |
| Cash dividends to net income (ytd only)* | 2.6786% | 3,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4105% | 1,400 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 11.6083% | 7,172 |
| Net loans and leases to deposits | 14.4518% | 7,172 |
| Net loans and leases to core deposits | 14.6531% | 7,170 |
| Total domestic deposits to total assets | 80.3241% | 5,658 |
| Equity capital to assets | 17.9685% | 348 |
| Core capital (leverage) ratio | 17.0186% | 367 |
| Tier 1 risk-based capital ratio | 42.9749% | 192 |
| Total risk-based capital ratio | 43.7005% | 193 |
| Memoranda: | ||
| Average total assets | $23,539,330 | 7,051 |
| Average earning assets | $22,408,000 | 7,001 |
| Average equity | $4,044,330 | 6,665 |
| Average total loans | $2,723,330 | 7,197 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4267% | 7,188 |
| Cost of funding earning assets | 0.3517% | 6,628 |
| Net interest margin | 2.0750% | 7,140 |
| Noninterest income to average assets | 0.2017% | 6,181 |
| Noninterest expense to average assets | 1.4286% | 7,098 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7899% | 3,422 |
| Return on assets (ROA) | 0.7899% | 3,670 |
| Pretax return on assets | 0.7563% | 4,583 |
| Return on Equity (ROE) | 4.7018% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.7018% | 3,744 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3846% | 4,673 |
| Assets per employee ($millions) | 4.6878% | 2,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3959% | 1,513 |
| 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 | 11.2974% | 7,231 |
| Net loans and leases to deposits | 13.6975% | 7,235 |
| Net loans and leases to core deposits | 13.8791% | 7,231 |
| Total domestic deposits to total assets | 82.4779% | 5,134 |
| Equity capital to assets | 17.0741% | 418 |
| Core capital (leverage) ratio | 16.7370% | 385 |
| Tier 1 risk-based capital ratio | 40.8734% | 217 |
| Total risk-based capital ratio | 41.5640% | 221 |
| Memoranda: | ||
| Average total assets | $23,800,000 | 7,103 |
| Average earning assets | $22,746,500 | 7,054 |
| Average equity | $3,998,500 | 6,713 |
| Average total loans | $2,716,000 | 7,259 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4229% | 7,264 |
| Cost of funding earning assets | 0.4969% | 6,546 |
| Net interest margin | 1.9260% | 7,233 |
| Noninterest income to average assets | 0.2383% | 5,832 |
| Noninterest expense to average assets | 1.7139% | 7,042 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4138% | 4,798 |
| Return on assets (ROA) | 0.4138% | 4,989 |
| Pretax return on assets | 0.3553% | 5,417 |
| Return on Equity (ROE) | 2.5956% | 5,441 |
| Retained earnings to average equity (ytd only) | 2.2023% | 4,645 |
| Net charge-offs to loans | -0.2184% | 7,217 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8283% | 1,911 |
| Assets per employee ($millions) | 4.8322% | 2,403 |
| Cash dividends to net income (ytd only)* | 15.1515% | 3,717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3906% | 1,474 |
| 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 | 10.9846% | 7,286 |
| Net loans and leases to deposits | 13.2475% | 7,288 |
| Net loans and leases to core deposits | 13.4169% | 7,282 |
| Total domestic deposits to total assets | 82.9188% | 4,781 |
| Equity capital to assets | 16.5349% | 508 |
| Core capital (leverage) ratio | 16.6084% | 405 |
| Tier 1 risk-based capital ratio | 41.8318% | 206 |
| Total risk-based capital ratio | 42.5473% | 209 |
| Memoranda: | ||
| Average total assets | $23,922,000 | 7,126 |
| Average earning assets | $22,741,400 | 7,084 |
| Average equity | $3,814,200 | 6,802 |
| Average total loans | $2,747,800 | 7,306 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4303% | 7,348 |
| Cost of funding earning assets | 0.5283% | 6,586 |
| Net interest margin | 1.9019% | 7,321 |
| Noninterest income to average assets | 0.2403% | 5,906 |
| Noninterest expense to average assets | 1.2516% | 7,329 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8940% | 2,762 |
| Return on assets (ROA) | 0.8940% | 2,913 |
| Pretax return on assets | 0.7990% | 4,130 |
| Return on Equity (ROE) | 5.6601% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.5540% | 2,820 |
| Net charge-offs to loans | -0.2904% | 7,301 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0354% | 5,557 |
| Assets per employee ($millions) | 4.9834% | 2,206 |
| Cash dividends to net income (ytd only)* | 1.8750% | 3,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3827% | 1,565 |
| 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 | 10.6875% | 7,362 |
| Net loans and leases to deposits | 12.7489% | 7,366 |
| Net loans and leases to core deposits | 12.9046% | 7,360 |
| Total domestic deposits to total assets | 83.8303% | 4,311 |
| Equity capital to assets | 15.8888% | 651 |
| Core capital (leverage) ratio | 16.6724% | 426 |
| Tier 1 risk-based capital ratio | 41.7529% | 216 |
| Total risk-based capital ratio | 42.4536% | 221 |
| Memoranda: | ||
| Average total assets | $23,862,250 | 7,205 |
| Average earning assets | $22,713,250 | 7,157 |
| Average equity | $3,769,000 | 6,866 |
| Average total loans | $2,755,000 | 7,380 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4149% | 7,427 |
| Cost of funding earning assets | 0.5614% | 6,621 |
| Net interest margin | 1.8535% | 7,394 |
| Noninterest income to average assets | 0.2382% | 5,948 |
| Noninterest expense to average assets | 1.2590% | 7,407 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9102% | 2,601 |
| Return on assets (ROA) | 0.9102% | 2,699 |
| Pretax return on assets | 0.7486% | 4,218 |
| Return on Equity (ROE) | 5.7749% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.6130% | 2,637 |
| Net charge-offs to loans | -0.3618% | 7,362 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7119% | 5,452 |
| Assets per employee ($millions) | 4.8162% | 2,385 |
| Cash dividends to net income (ytd only)* | 2.8037% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2207% | 1,878 |
| 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 | 11.7022% | 7,434 |
| Net loans and leases to deposits | 14.0290% | 7,441 |
| Net loans and leases to core deposits | 14.2072% | 7,432 |
| Total domestic deposits to total assets | 83.4143% | 4,578 |
| Equity capital to assets | 16.2452% | 582 |
| Core capital (leverage) ratio | 16.2900% | 473 |
| Tier 1 risk-based capital ratio | 41.1860% | 227 |
| Total risk-based capital ratio | 41.8760% | 228 |
| Memoranda: | ||
| Average total assets | $23,510,670 | 7,278 |
| Average earning assets | $22,443,670 | 7,236 |
| Average equity | $3,705,670 | 6,928 |
| Average total loans | $2,764,000 | 7,453 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4819% | 7,482 |
| Cost of funding earning assets | 0.6159% | 6,543 |
| Net interest margin | 1.8659% | 7,440 |
| Noninterest income to average assets | 0.2411% | 5,973 |
| Noninterest expense to average assets | 1.3606% | 7,427 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6545% | 3,727 |
| Return on assets (ROA) | 0.6545% | 3,806 |
| Pretax return on assets | 0.6545% | 4,475 |
| Return on Equity (ROE) | 4.2193% | 4,788 |
| Retained earnings to average equity (ytd only) | 4.2193% | 3,632 |
| Net charge-offs to loans | -0.7394% | 7,459 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5214% | 4,751 |
| Assets per employee ($millions) | 4.6418% | 2,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3435% | 1,696 |
| 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 | 11.4912% | 7,496 |
| Net loans and leases to deposits | 13.6566% | 7,501 |
| Net loans and leases to core deposits | 13.8344% | 7,489 |
| Total domestic deposits to total assets | 84.1441% | 4,433 |
| Equity capital to assets | 15.7223% | 621 |
| Core capital (leverage) ratio | 15.9888% | 506 |
| Tier 1 risk-based capital ratio | 39.4121% | 247 |
| Total risk-based capital ratio | 40.0840% | 250 |
| Memoranda: | ||
| Average total assets | $23,225,500 | 7,335 |
| Average earning assets | $22,080,000 | 7,295 |
| Average equity | $3,602,500 | 6,988 |
| Average total loans | $2,705,000 | 7,515 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4534% | 7,403 |
| Cost of funding earning assets | 0.8895% | 6,204 |
| Net interest margin | 2.5639% | 7,234 |
| Noninterest income to average assets | 0.2366% | 6,110 |
| Noninterest expense to average assets | 2.1517% | 6,727 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5459% | 3,905 |
| Return on assets (ROA) | 0.4367% | 4,532 |
| Pretax return on assets | 0.4276% | 4,859 |
| Return on Equity (ROE) | 2.5586% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.1588% | 4,380 |
| Net charge-offs to loans | 0.2627% | 4,723 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 16.8571% | 1,184 |
| Efficiency ratio | 80.0338% | 2,410 |
| Assets per employee ($millions) | 4.6484% | 2,625 |
| Cash dividends to net income (ytd only)* | 15.6250% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2023% | 1,862 |
| 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 | 11.2727% | 7,582 |
| Net loans and leases to deposits | 13.3347% | 7,590 |
| Net loans and leases to core deposits | 13.5072% | 7,574 |
| Total domestic deposits to total assets | 84.5366% | 4,093 |
| Equity capital to assets | 15.2999% | 717 |
| Core capital (leverage) ratio | 16.0713% | 502 |
| Tier 1 risk-based capital ratio | 39.1405% | 254 |
| Total risk-based capital ratio | 39.7620% | 258 |
| Memoranda: | ||
| Average total assets | $21,982,600 | 7,422 |
| Average earning assets | $21,023,000 | 7,377 |
| Average equity | $3,752,000 | 7,072 |
| Average total loans | $2,664,800 | 7,598 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7436% | 7,431 |
| Cost of funding earning assets | 0.9359% | 6,243 |
| Net interest margin | 2.8077% | 7,122 |
| Noninterest income to average assets | 0.2277% | 6,272 |
| Noninterest expense to average assets | 1.3230% | 7,627 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5386% | 850 |
| Return on assets (ROA) | 1.3968% | 1,183 |
| Pretax return on assets | 1.4522% | 1,745 |
| Return on Equity (ROE) | 7.9626% | 2,919 |
| Retained earnings to average equity (ytd only) | 7.8574% | 1,468 |
| Net charge-offs to loans | -0.0500% | 7,471 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.2632% | 7,416 |
| Assets per employee ($millions) | 4.5232% | 2,872 |
| Cash dividends to net income (ytd only)* | 1.3216% | 3,508 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5160% | 1,297 |
| Loan loss allowance to noncurrent loans | 837.5000% | 425 |
| Noncurrent assets plus other real estate owned to assets | 0.0354% | 7,266 |
| Noncurrent loans to loans | 0.3004% | 6,588 |
| Net loans and leases to total assets | 11.4786% | 7,687 |
| Net loans and leases to deposits | 14.0347% | 7,693 |
| Net loans and leases to core deposits | 14.0347% | 7,679 |
| Total domestic deposits to total assets | 81.7872% | 5,081 |
| Equity capital to assets | 17.6999% | 442 |
| Core capital (leverage) ratio | 17.5194% | 383 |
| Tier 1 risk-based capital ratio | 42.1656% | 214 |
| Total risk-based capital ratio | 42.8977% | 217 |
| Memoranda: | ||
| Average total assets | $21,667,750 | 7,521 |
| Average earning assets | $20,799,250 | 7,475 |
| Average equity | $3,801,000 | 7,147 |
| Average total loans | $2,661,250 | 7,699 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9831% | 7,377 |
| Cost of funding earning assets | 0.9567% | 6,354 |
| Net interest margin | 3.0264% | 6,778 |
| Noninterest income to average assets | 0.2248% | 6,308 |
| Noninterest expense to average assets | 1.3769% | 7,679 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6538% | 641 |
| Return on assets (ROA) | 1.4425% | 1,075 |
| Pretax return on assets | 1.5268% | 1,486 |
| Return on Equity (ROE) | 8.2493% | 2,786 |
| Retained earnings to average equity (ytd only) | 8.0886% | 1,413 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.0120% | 7,525 |
| Assets per employee ($millions) | 4.3624% | 3,110 |
| Cash dividends to net income (ytd only)* | 1.9481% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4202% | 1,408 |
| Loan loss allowance to noncurrent loans | 825.0000% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 7,308 |
| Noncurrent loans to loans | 0.2934% | 6,643 |
| Net loans and leases to total assets | 12.1997% | 7,748 |
| Net loans and leases to deposits | 14.9251% | 7,758 |
| Net loans and leases to core deposits | 14.9251% | 7,747 |
| Total domestic deposits to total assets | 81.7394% | 5,093 |
| Equity capital to assets | 17.8021% | 437 |
| Core capital (leverage) ratio | 17.3582% | 410 |
| Tier 1 risk-based capital ratio | 43.1945% | 202 |
| Total risk-based capital ratio | 43.9475% | 206 |
| Memoranda: | ||
| Average total assets | $21,351,670 | 7,591 |
| Average earning assets | $20,486,330 | 7,545 |
| Average equity | $3,733,670 | 7,204 |
| Average total loans | $2,660,670 | 7,768 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 7,484 |
| Cost of funding earning assets | 0.9521% | 6,570 |
| Net interest margin | 3.0151% | 6,795 |
| Noninterest income to average assets | 0.2462% | 6,182 |
| Noninterest expense to average assets | 1.3446% | 7,783 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6476% | 686 |
| Return on assets (ROA) | 1.6476% | 734 |
| Pretax return on assets | 1.7802% | 917 |
| Return on Equity (ROE) | 9.5108% | 2,287 |
| Retained earnings to average equity (ytd only) | 9.5108% | 1,268 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0303% | 7,648 |
| Assets per employee ($millions) | 4.2414% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5842% | 1,197 |
| Loan loss allowance to noncurrent loans | 825.0000% | 390 |
| Noncurrent assets plus other real estate owned to assets | 0.0377% | 7,400 |
| Noncurrent loans to loans | 0.3132% | 6,686 |
| Net loans and leases to total assets | 11.7320% | 7,850 |
| Net loans and leases to deposits | 14.2489% | 7,858 |
| Net loans and leases to core deposits | 14.2489% | 7,847 |
| Total domestic deposits to total assets | 82.3360% | 4,917 |
| Equity capital to assets | 17.4895% | 473 |
| Core capital (leverage) ratio | 17.4218% | 415 |
| Tier 1 risk-based capital ratio | 52.0997% | 144 |
| Total risk-based capital ratio | 53.0235% | 144 |
| Memoranda: | ||
| Average total assets | $21,121,500 | 7,696 |
| Average earning assets | $20,165,000 | 7,642 |
| Average equity | $3,659,000 | 7,298 |
| Average total loans | $2,627,500 | 7,868 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 7,559 |
| Cost of funding earning assets | 1.1410% | 6,845 |
| Net interest margin | 3.1561% | 6,217 |
| Noninterest income to average assets | 0.3239% | 5,765 |
| Noninterest expense to average assets | 2.3965% | 6,478 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8694% | 2,282 |
| Return on assets (ROA) | 0.6377% | 3,239 |
| Pretax return on assets | 0.6826% | 3,635 |
| Return on Equity (ROE) | 3.5303% | 4,275 |
| Retained earnings to average equity (ytd only) | 3.1166% | 2,980 |
| Net charge-offs to loans | -0.0362% | 7,826 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0060% | 4,263 |
| Assets per employee ($millions) | 4.2072% | 3,428 |
| Cash dividends to net income (ytd only)* | 11.7188% | 3,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4435% | 1,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 12.5261% | 7,924 |
| Net loans and leases to deposits | 15.1567% | 7,931 |
| Net loans and leases to core deposits | 16.3685% | 7,933 |
| Total domestic deposits to total assets | 82.6440% | 4,683 |
| Equity capital to assets | 17.1563% | 534 |
| Core capital (leverage) ratio | 17.3765% | 448 |
| Tier 1 risk-based capital ratio | 50.1310% | 162 |
| Total risk-based capital ratio | 51.0412% | 163 |
| Memoranda: | ||
| Average total assets | $20,070,800 | 7,771 |
| Average earning assets | $19,105,800 | 7,729 |
| Average equity | $3,625,800 | 7,410 |
| Average total loans | $2,765,000 | 7,941 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3473% | 7,642 |
| Cost of funding earning assets | 1.1715% | 6,969 |
| Net interest margin | 3.1759% | 6,100 |
| Noninterest income to average assets | 0.3295% | 5,852 |
| Noninterest expense to average assets | 1.4927% | 7,889 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.7347% | 527 |
| Return on assets (ROA) | 1.7347% | 555 |
| Pretax return on assets | 1.8625% | 710 |
| Return on Equity (ROE) | 9.4763% | 2,107 |
| Retained earnings to average equity (ytd only) | 9.3661% | 748 |
| Net charge-offs to loans | -0.0478% | 7,852 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4890% | 7,821 |
| Assets per employee ($millions) | 4.0796% | 3,591 |
| Cash dividends to net income (ytd only)* | 1.1628% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5492% | 1,017 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 12.3689% | 8,005 |
| Net loans and leases to deposits | 15.3058% | 8,015 |
| Net loans and leases to core deposits | 16.3863% | 8,015 |
| Total domestic deposits to total assets | 80.8118% | 5,150 |
| Equity capital to assets | 18.8352% | 431 |
| Core capital (leverage) ratio | 18.4172% | 424 |
| Tier 1 risk-based capital ratio | 53.9494% | 142 |
| Total risk-based capital ratio | 54.8922% | 145 |
| Memoranda: | ||
| Average total assets | $19,829,500 | 7,851 |
| Average earning assets | $18,892,250 | 7,810 |
| Average equity | $3,630,000 | 7,469 |
| Average total loans | $2,781,000 | 8,021 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 7,706 |
| Cost of funding earning assets | 1.2334% | 7,007 |
| Net interest margin | 3.1701% | 6,016 |
| Noninterest income to average assets | 0.3462% | 5,734 |
| Noninterest expense to average assets | 1.5479% | 7,946 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6599% | 605 |
| Return on assets (ROA) | 1.6599% | 664 |
| Pretax return on assets | 1.7821% | 876 |
| Return on Equity (ROE) | 9.1590% | 2,303 |
| Retained earnings to average equity (ytd only) | 8.9905% | 944 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4832% | 7,830 |
| Assets per employee ($millions) | 4.1136% | 3,459 |
| Cash dividends to net income (ytd only)* | 1.8405% | 3,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4354% | 956 |
| 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 | 12.6604% | 8,093 |
| Net loans and leases to deposits | 15.4256% | 8,106 |
| Net loans and leases to core deposits | 16.2213% | 8,104 |
| Total domestic deposits to total assets | 82.0741% | 4,658 |
| Equity capital to assets | 17.6536% | 585 |
| Core capital (leverage) ratio | 18.2467% | 480 |
| Tier 1 risk-based capital ratio | 51.7862% | 172 |
| Total risk-based capital ratio | 52.7004% | 172 |
| Memoranda: | ||
| Average total assets | $19,640,000 | 7,940 |
| Average earning assets | $18,485,330 | 7,900 |
| Average equity | $3,559,330 | 7,551 |
| Average total loans | $2,845,000 | 8,112 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5565% | 7,663 |
| Cost of funding earning assets | 1.3178% | 6,968 |
| Net interest margin | 3.2387% | 5,726 |
| Noninterest income to average assets | 0.2712% | 6,270 |
| Noninterest expense to average assets | 1.5019% | 7,987 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.6688% | 691 |
| Return on assets (ROA) | 1.6688% | 759 |
| Pretax return on assets | 1.7939% | 988 |
| Return on Equity (ROE) | 9.0819% | 2,673 |
| Retained earnings to average equity (ytd only) | 9.0819% | 1,451 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5696% | 7,864 |
| Assets per employee ($millions) | 3.8826% | 3,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2491% | 1,016 |
| 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 | 14.5521% | 8,136 |
| Net loans and leases to deposits | 17.9047% | 8,142 |
| Net loans and leases to core deposits | 18.8963% | 8,148 |
| Total domestic deposits to total assets | 81.2754% | 4,849 |
| Equity capital to assets | 18.5134% | 540 |
| Core capital (leverage) ratio | 18.4151% | 510 |
| Tier 1 risk-based capital ratio | 51.7380% | 187 |
| Total risk-based capital ratio | 52.6716% | 188 |
| Memoranda: | ||
| Average total assets | $19,176,000 | 8,005 |
| Average earning assets | $17,908,500 | 7,968 |
| Average equity | $3,523,500 | 7,621 |
| Average total loans | $2,933,000 | 8,166 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9146% | 7,892 |
| Cost of funding earning assets | 1.6382% | 7,371 |
| Net interest margin | 3.2764% | 6,117 |
| Noninterest income to average assets | 0.3424% | 5,998 |
| Noninterest expense to average assets | 2.5474% | 5,835 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7151% | 3,827 |
| Return on assets (ROA) | 0.7108% | 3,677 |
| Pretax return on assets | 0.8509% | 3,889 |
| Return on Equity (ROE) | 3.9577% | 4,841 |
| Retained earnings to average equity (ytd only) | 3.5244% | 2,946 |
| Net charge-offs to loans | 0.1209% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 41.2500% | 894 |
| Efficiency ratio | 74.8476% | 3,426 |
| Assets per employee ($millions) | 3.7878% | 3,986 |
| Cash dividends to net income (ytd only)* | 10.9489% | 4,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1505% | 1,000 |
| 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% | 7,569 |
| Net loans and leases to total assets | 15.3757% | 8,186 |
| Net loans and leases to deposits | 18.8687% | 8,199 |
| Net loans and leases to core deposits | 20.2870% | 8,196 |
| Total domestic deposits to total assets | 81.4879% | 4,417 |
| Equity capital to assets | 18.2322% | 624 |
| Core capital (leverage) ratio | 18.1331% | 592 |
| Tier 1 risk-based capital ratio | 53.0741% | 188 |
| Total risk-based capital ratio | 54.0386% | 191 |
| Memoranda: | ||
| Average total assets | $19,274,600 | 8,041 |
| Average earning assets | $18,007,600 | 8,004 |
| Average equity | $3,461,600 | 7,695 |
| Average total loans | $3,308,600 | 8,213 |