Home > Farmers State Bank of Denton, Montana > Performance and Condition Ratios
Farmers State Bank of Denton, Montana, Performance and Condition Ratios
| 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 | 6.7773% | 68 |
| Cost of funding earning assets | 0.2089% | 5,427 |
| Net interest margin | 6.5684% | 52 |
| Noninterest income to average assets | 0.6470% | 2,417 |
| Noninterest expense to average assets | 3.5584% | 1,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.8104% | 97 |
| Return on assets (ROA) | 2.8104% | 104 |
| Pretax return on assets | 2.8104% | 158 |
| Return on Equity (ROE) | 21.8296% | 194 |
| Retained earnings to average equity (ytd only) | -0.1570% | 5,406 |
| Net charge-offs to loans | 3.9045% | 31 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 1.0146% | 2,977 |
| Efficiency ratio | 55.8730% | 5,525 |
| Assets per employee ($millions) | 3.2557% | 5,314 |
| Cash dividends to net income (ytd only)* | 100.7194% | 678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7028% | 5,906 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 0.9624% | 2,698 |
| Noncurrent loans to loans | 1.4056% | 2,042 |
| Net loans and leases to total assets | 67.9891% | 2,442 |
| Net loans and leases to deposits | 79.2896% | 2,642 |
| Net loans and leases to core deposits | 79.2896% | 3,251 |
| Total domestic deposits to total assets | 85.7479% | 3,066 |
| Equity capital to assets | 13.0439% | 1,374 |
| Core capital (leverage) ratio | 12.1794% | 1,523 |
| Tier 1 risk-based capital ratio | 15.4853% | 3,151 |
| Total risk-based capital ratio | 16.0770% | 3,463 |
| Memoranda: | ||
| Average total assets | $19,784,000 | 6,325 |
| Average earning assets | $17,234,000 | 6,317 |
| Average equity | $2,547,000 | 6,268 |
| Average total loans | $14,035,000 | 6,111 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8831% | 181 |
| Cost of funding earning assets | 0.2412% | 5,413 |
| Net interest margin | 5.6418% | 108 |
| Noninterest income to average assets | 0.4345% | 3,936 |
| Noninterest expense to average assets | 3.4762% | 1,538 |
| Loan and lease loss provision to assets | 0.4925% | 315 |
| Net operating income to assets | 1.4339% | 1,014 |
| Return on assets (ROA) | 1.4339% | 1,044 |
| Pretax return on assets | 1.4339% | 1,772 |
| Return on Equity (ROE) | 11.7262% | 1,486 |
| Retained earnings to average equity (ytd only) | 1.2634% | 5,208 |
| Net charge-offs to loans | 0.7983% | 439 |
| Credit loss provision to net charge-offs | 86.4407% | 2,726 |
| Earnings coverage of net charge-offs (x) | 3.3814% | 3,903 |
| Efficiency ratio | 64.3432% | 4,545 |
| Assets per employee ($millions) | 3.3390% | 5,202 |
| Cash dividends to net income (ytd only)* | 89.2256% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5720% | 2,185 |
| Loan loss allowance to noncurrent loans | 76.7442% | 4,310 |
| Noncurrent assets plus other real estate owned to assets | 1.5024% | 1,815 |
| Noncurrent loans to loans | 2.0483% | 1,341 |
| Net loans and leases to total assets | 72.1973% | 1,875 |
| Net loans and leases to deposits | 84.0149% | 2,213 |
| Net loans and leases to core deposits | 84.0149% | 2,899 |
| Total domestic deposits to total assets | 85.9339% | 2,878 |
| Equity capital to assets | 12.7084% | 1,532 |
| Core capital (leverage) ratio | 11.8224% | 1,750 |
| Tier 1 risk-based capital ratio | 16.2698% | 2,825 |
| Total risk-based capital ratio | 17.5265% | 2,767 |
| Memoranda: | ||
| Average total assets | $20,712,400 | 6,401 |
| Average earning assets | $18,238,800 | 6,394 |
| Average equity | $2,532,800 | 6,348 |
| Average total loans | $14,781,000 | 6,166 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8443% | 180 |
| Cost of funding earning assets | 0.2399% | 5,513 |
| Net interest margin | 5.6044% | 119 |
| Noninterest income to average assets | 0.4533% | 3,872 |
| Noninterest expense to average assets | 3.3649% | 1,755 |
| Loan and lease loss provision to assets | 0.5747% | 241 |
| Net operating income to assets | 1.4366% | 1,055 |
| Return on assets (ROA) | 1.4366% | 1,098 |
| Pretax return on assets | 1.4366% | 1,867 |
| Return on Equity (ROE) | 11.8597% | 1,515 |
| Retained earnings to average equity (ytd only) | 1.3177% | 5,369 |
| Net charge-offs to loans | 0.1892% | 1,950 |
| Credit loss provision to net charge-offs | 428.5714% | 658 |
| Earnings coverage of net charge-offs (x) | 14.9996% | 2,090 |
| Efficiency ratio | 62.5891% | 4,797 |
| Assets per employee ($millions) | 3.6268% | 4,619 |
| Cash dividends to net income (ytd only)* | 88.8896% | 552 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 1,468 |
| Loan loss allowance to noncurrent loans | 95.4683% | 3,780 |
| Noncurrent assets plus other real estate owned to assets | 1.5211% | 2,023 |
| Noncurrent loans to loans | 1.9838% | 1,606 |
| Net loans and leases to total assets | 75.2217% | 1,330 |
| Net loans and leases to deposits | 94.8158% | 973 |
| Net loans and leases to core deposits | 94.8158% | 1,774 |
| Total domestic deposits to total assets | 79.3346% | 5,255 |
| Equity capital to assets | 11.7044% | 2,301 |
| Core capital (leverage) ratio | 11.5697% | 2,004 |
| Tier 1 risk-based capital ratio | 14.4057% | 3,940 |
| Total risk-based capital ratio | 15.6624% | 3,880 |
| Memoranda: | ||
| Average total assets | $20,882,000 | 6,474 |
| Average earning assets | $18,342,250 | 6,468 |
| Average equity | $2,529,500 | 6,421 |
| Average total loans | $14,802,500 | 6,233 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7906% | 188 |
| Cost of funding earning assets | 0.2561% | 5,422 |
| Net interest margin | 5.5345% | 129 |
| Noninterest income to average assets | 0.4177% | 4,115 |
| Noninterest expense to average assets | 3.2833% | 1,960 |
| Loan and lease loss provision to assets | 0.5925% | 238 |
| Net operating income to assets | 1.3697% | 1,139 |
| Return on assets (ROA) | 1.3697% | 1,176 |
| Pretax return on assets | 1.3697% | 2,005 |
| Return on Equity (ROE) | 11.1742% | 1,683 |
| Retained earnings to average equity (ytd only) | 0.4755% | 5,552 |
| Net charge-offs to loans | 0.3104% | 1,301 |
| Credit loss provision to net charge-offs | 277.2727% | 917 |
| Earnings coverage of net charge-offs (x) | 9.1818% | 2,390 |
| Efficiency ratio | 62.5926% | 4,931 |
| Assets per employee ($millions) | 3.4932% | 4,863 |
| Cash dividends to net income (ytd only)* | 95.7447% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9130% | 1,552 |
| Loan loss allowance to noncurrent loans | 86.9301% | 3,972 |
| Noncurrent assets plus other real estate owned to assets | 1.5697% | 2,077 |
| Noncurrent loans to loans | 2.2007% | 1,484 |
| Net loans and leases to total assets | 69.9652% | 2,093 |
| Net loans and leases to deposits | 80.8558% | 2,402 |
| Net loans and leases to core deposits | 80.8558% | 3,111 |
| Total domestic deposits to total assets | 86.5308% | 2,742 |
| Equity capital to assets | 12.0950% | 1,919 |
| Core capital (leverage) ratio | 11.7522% | 1,821 |
| Tier 1 risk-based capital ratio | 15.8680% | 3,159 |
| Total risk-based capital ratio | 17.1263% | 3,092 |
| Memoranda: | ||
| Average total assets | $20,589,000 | 6,543 |
| Average earning assets | $17,960,000 | 6,539 |
| Average equity | $2,523,670 | 6,479 |
| Average total loans | $14,175,000 | 6,312 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7848% | 194 |
| Cost of funding earning assets | 0.2680% | 5,407 |
| Net interest margin | 5.5168% | 126 |
| Noninterest income to average assets | 0.4509% | 3,784 |
| Noninterest expense to average assets | 3.3327% | 1,867 |
| Loan and lease loss provision to assets | 0.4901% | 310 |
| Net operating income to assets | 1.4703% | 862 |
| Return on assets (ROA) | 1.4703% | 890 |
| Pretax return on assets | 1.4703% | 1,513 |
| Return on Equity (ROE) | 11.9142% | 1,435 |
| Retained earnings to average equity (ytd only) | 1.5886% | 4,977 |
| Net charge-offs to loans | 0.1451% | 1,855 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,349 |
| Efficiency ratio | 62.9630% | 5,005 |
| Assets per employee ($millions) | 3.4442% | 5,047 |
| Cash dividends to net income (ytd only)* | 86.6667% | 864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 1,793 |
| Loan loss allowance to noncurrent loans | 73.7569% | 4,379 |
| Noncurrent assets plus other real estate owned to assets | 1.7518% | 2,009 |
| Noncurrent loans to loans | 2.5598% | 1,346 |
| Net loans and leases to total assets | 67.1425% | 2,367 |
| Net loans and leases to deposits | 77.7006% | 2,605 |
| Net loans and leases to core deposits | 77.7006% | 3,230 |
| Total domestic deposits to total assets | 86.4118% | 3,154 |
| Equity capital to assets | 12.2236% | 1,733 |
| Core capital (leverage) ratio | 11.3168% | 2,119 |
| Tier 1 risk-based capital ratio | 16.7537% | 2,789 |
| Total risk-based capital ratio | 18.0107% | 2,751 |
| Memoranda: | ||
| Average total assets | $20,404,000 | 6,616 |
| Average earning assets | $17,909,000 | 6,609 |
| Average equity | $2,518,000 | 6,537 |
| Average total loans | $13,787,500 | 6,390 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0396% | 162 |
| Cost of funding earning assets | 0.3523% | 5,108 |
| Net interest margin | 5.6873% | 105 |
| Noninterest income to average assets | 0.5343% | 3,527 |
| Noninterest expense to average assets | 3.4850% | 1,690 |
| Loan and lease loss provision to assets | 0.6225% | 390 |
| Net operating income to assets | 1.3332% | 1,173 |
| Return on assets (ROA) | 1.3234% | 1,231 |
| Pretax return on assets | 1.3234% | 2,063 |
| Return on Equity (ROE) | 10.6660% | 1,875 |
| Retained earnings to average equity (ytd only) | 2.9628% | 4,133 |
| Net charge-offs to loans | 0.9017% | 677 |
| Credit loss provision to net charge-offs | 100.7937% | 2,396 |
| Earnings coverage of net charge-offs (x) | 3.1667% | 3,939 |
| Efficiency ratio | 64.0541% | 4,881 |
| Assets per employee ($millions) | 3.3572% | 5,180 |
| Cash dividends to net income (ytd only)* | 72.2222% | 1,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8388% | 1,948 |
| Loan loss allowance to noncurrent loans | 77.6730% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.5787% | 2,361 |
| Noncurrent loans to loans | 2.3673% | 1,625 |
| Net loans and leases to total assets | 65.4619% | 2,779 |
| Net loans and leases to deposits | 76.0351% | 2,961 |
| Net loans and leases to core deposits | 76.0351% | 3,606 |
| Total domestic deposits to total assets | 86.0944% | 3,208 |
| Equity capital to assets | 12.4609% | 1,531 |
| Core capital (leverage) ratio | 11.8177% | 1,743 |
| Tier 1 risk-based capital ratio | 17.4950% | 2,416 |
| Total risk-based capital ratio | 18.7482% | 2,395 |
| Memoranda: | ||
| Average total assets | $20,401,600 | 6,693 |
| Average earning assets | $17,600,600 | 6,692 |
| Average equity | $2,531,400 | 6,623 |
| Average total loans | $13,973,600 | 6,452 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0505% | 163 |
| Cost of funding earning assets | 0.3697% | 5,101 |
| Net interest margin | 5.6808% | 108 |
| Noninterest income to average assets | 0.5472% | 3,482 |
| Noninterest expense to average assets | 3.4202% | 1,773 |
| Loan and lease loss provision to assets | 0.7231% | 301 |
| Net operating income to assets | 1.3094% | 1,329 |
| Return on assets (ROA) | 1.2964% | 1,428 |
| Pretax return on assets | 1.2964% | 2,346 |
| Return on Equity (ROE) | 10.4594% | 2,019 |
| Retained earnings to average equity (ytd only) | 3.6267% | 4,111 |
| Net charge-offs to loans | 0.2835% | 2,123 |
| Credit loss provision to net charge-offs | 370.0000% | 711 |
| Earnings coverage of net charge-offs (x) | 10.3998% | 2,363 |
| Efficiency ratio | 62.7240% | 5,027 |
| Assets per employee ($millions) | 3.4092% | 5,045 |
| Cash dividends to net income (ytd only)* | 65.3262% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1991% | 1,327 |
| Loan loss allowance to noncurrent loans | 164.3216% | 2,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9729% | 3,713 |
| Noncurrent loans to loans | 1.3383% | 3,184 |
| Net loans and leases to total assets | 71.0975% | 1,766 |
| Net loans and leases to deposits | 89.8049% | 1,188 |
| Net loans and leases to core deposits | 91.2932% | 1,843 |
| Total domestic deposits to total assets | 79.1689% | 5,710 |
| Equity capital to assets | 12.3539% | 1,670 |
| Core capital (leverage) ratio | 11.4667% | 2,065 |
| Tier 1 risk-based capital ratio | 16.0132% | 3,186 |
| Total risk-based capital ratio | 17.2760% | 3,135 |
| Memoranda: | ||
| Average total assets | $20,466,250 | 6,766 |
| Average earning assets | $17,673,000 | 6,765 |
| Average equity | $2,536,750 | 6,698 |
| Average total loans | $14,108,750 | 6,519 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8135% | 236 |
| Cost of funding earning assets | 0.3891% | 5,042 |
| Net interest margin | 5.4244% | 152 |
| Noninterest income to average assets | 0.5862% | 3,280 |
| Noninterest expense to average assets | 3.4392% | 1,741 |
| Loan and lease loss provision to assets | 0.5276% | 506 |
| Net operating income to assets | 1.2506% | 1,454 |
| Return on assets (ROA) | 1.2506% | 1,548 |
| Pretax return on assets | 1.2506% | 2,480 |
| Return on Equity (ROE) | 10.0787% | 2,166 |
| Retained earnings to average equity (ytd only) | 4.9606% | 3,080 |
| Net charge-offs to loans | 0.4331% | 1,496 |
| Credit loss provision to net charge-offs | 180.0000% | 1,322 |
| Earnings coverage of net charge-offs (x) | 6.0667% | 2,777 |
| Efficiency ratio | 65.9176% | 4,563 |
| Assets per employee ($millions) | 3.4685% | 4,919 |
| Cash dividends to net income (ytd only)* | 50.7813% | 1,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 2,522 |
| Loan loss allowance to noncurrent loans | 168.7500% | 2,292 |
| Noncurrent assets plus other real estate owned to assets | 0.7688% | 4,296 |
| Noncurrent loans to loans | 1.0503% | 3,832 |
| Net loans and leases to total assets | 71.9043% | 1,591 |
| Net loans and leases to deposits | 88.2415% | 1,312 |
| Net loans and leases to core deposits | 91.1272% | 1,795 |
| Total domestic deposits to total assets | 81.4858% | 5,220 |
| Equity capital to assets | 12.1426% | 1,816 |
| Core capital (leverage) ratio | 11.7538% | 1,762 |
| Tier 1 risk-based capital ratio | 15.1616% | 3,670 |
| Total risk-based capital ratio | 16.4167% | 3,637 |
| Memoranda: | ||
| Average total assets | $20,470,000 | 6,817 |
| Average earning assets | $17,476,670 | 6,816 |
| Average equity | $2,540,000 | 6,744 |
| Average total loans | $13,855,000 | 6,568 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8626% | 210 |
| Cost of funding earning assets | 0.4307% | 4,797 |
| Net interest margin | 5.4319% | 135 |
| Noninterest income to average assets | 0.4729% | 3,973 |
| Noninterest expense to average assets | 3.4484% | 1,725 |
| Loan and lease loss provision to assets | 0.3153% | 1,077 |
| Net operating income to assets | 1.1823% | 1,579 |
| Return on assets (ROA) | 1.1823% | 1,689 |
| Pretax return on assets | 1.1823% | 2,640 |
| Return on Equity (ROE) | 9.4247% | 2,306 |
| Retained earnings to average equity (ytd only) | 9.4247% | 1,265 |
| Net charge-offs to loans | 1.0026% | 607 |
| Credit loss provision to net charge-offs | 48.4848% | 2,620 |
| Earnings coverage of net charge-offs (x) | 2.3030% | 3,076 |
| Efficiency ratio | 69.7211% | 4,019 |
| Assets per employee ($millions) | 3.5443% | 4,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8275% | 2,520 |
| Loan loss allowance to noncurrent loans | 141.3580% | 2,505 |
| Noncurrent assets plus other real estate owned to assets | 0.7618% | 4,472 |
| Noncurrent loans to loans | 1.2928% | 3,620 |
| Net loans and leases to total assets | 57.8482% | 3,797 |
| Net loans and leases to deposits | 67.1433% | 3,893 |
| Net loans and leases to core deposits | 69.1706% | 4,166 |
| Total domestic deposits to total assets | 86.1563% | 3,443 |
| Equity capital to assets | 12.0897% | 1,983 |
| Core capital (leverage) ratio | 11.3207% | 2,003 |
| Tier 1 risk-based capital ratio | 18.2361% | 2,279 |
| Total risk-based capital ratio | 19.4906% | 2,238 |
| Memoranda: | ||
| Average total assets | $20,299,500 | 6,894 |
| Average earning assets | $16,716,000 | 6,904 |
| Average equity | $2,546,500 | 6,803 |
| Average total loans | $13,165,500 | 6,655 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1105% | 229 |
| Cost of funding earning assets | 0.4577% | 5,518 |
| Net interest margin | 5.6528% | 141 |
| Noninterest income to average assets | 0.3932% | 4,661 |
| Noninterest expense to average assets | 3.7200% | 1,379 |
| Loan and lease loss provision to assets | 0.5950% | 928 |
| Net operating income to assets | 1.1900% | 1,638 |
| Return on assets (ROA) | 1.1900% | 1,798 |
| Pretax return on assets | 1.1900% | 2,833 |
| Return on Equity (ROE) | 9.7104% | 2,306 |
| Retained earnings to average equity (ytd only) | -2.9553% | 6,259 |
| Net charge-offs to loans | 0.9320% | 1,198 |
| Credit loss provision to net charge-offs | 92.0000% | 3,392 |
| Earnings coverage of net charge-offs (x) | 2.7600% | 4,046 |
| Efficiency ratio | 67.5752% | 4,222 |
| Assets per employee ($millions) | 3.2222% | 5,575 |
| Cash dividends to net income (ytd only)* | 130.4348% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7826% | 2,644 |
| Loan loss allowance to noncurrent loans | 53.7118% | 4,941 |
| Noncurrent assets plus other real estate owned to assets | 2.3690% | 2,071 |
| Noncurrent loans to loans | 3.3188% | 1,541 |
| Net loans and leases to total assets | 70.1081% | 1,822 |
| Net loans and leases to deposits | 82.8535% | 1,900 |
| Net loans and leases to core deposits | 85.8174% | 2,332 |
| Total domestic deposits to total assets | 84.6170% | 4,029 |
| Equity capital to assets | 13.0451% | 1,423 |
| Core capital (leverage) ratio | 12.3355% | 1,385 |
| Tier 1 risk-based capital ratio | 16.2747% | 3,011 |
| Total risk-based capital ratio | 17.5335% | 2,963 |
| Memoranda: | ||
| Average total assets | $19,328,200 | 6,966 |
| Average earning assets | $17,478,000 | 6,945 |
| Average equity | $2,368,600 | 6,906 |
| Average total loans | $13,411,600 | 6,718 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1491% | 235 |
| Cost of funding earning assets | 0.4724% | 5,618 |
| Net interest margin | 5.6767% | 144 |
| Noninterest income to average assets | 0.3863% | 4,737 |
| Noninterest expense to average assets | 3.6977% | 1,362 |
| Loan and lease loss provision to assets | 0.6002% | 924 |
| Net operating income to assets | 1.2280% | 1,639 |
| Return on assets (ROA) | 1.2280% | 1,815 |
| Pretax return on assets | 1.2280% | 2,879 |
| Return on Equity (ROE) | 10.1847% | 2,262 |
| Retained earnings to average equity (ytd only) | 0.7437% | 5,855 |
| Net charge-offs to loans | 0.6809% | 1,624 |
| Credit loss provision to net charge-offs | 127.9412% | 2,254 |
| Earnings coverage of net charge-offs (x) | 3.8972% | 3,469 |
| Efficiency ratio | 66.9164% | 4,263 |
| Assets per employee ($millions) | 3.2565% | 5,525 |
| Cash dividends to net income (ytd only)* | 92.6937% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8886% | 2,515 |
| Loan loss allowance to noncurrent loans | 51.2104% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 2.7483% | 1,918 |
| Noncurrent loans to loans | 3.6879% | 1,450 |
| Net loans and leases to total assets | 73.1153% | 1,372 |
| Net loans and leases to deposits | 92.1856% | 956 |
| Net loans and leases to core deposits | 95.6737% | 1,434 |
| Total domestic deposits to total assets | 79.3132% | 5,802 |
| Equity capital to assets | 12.0068% | 2,251 |
| Core capital (leverage) ratio | 10.8658% | 2,526 |
| Tier 1 risk-based capital ratio | 14.3065% | 4,328 |
| Total risk-based capital ratio | 15.5578% | 4,290 |
| Memoranda: | ||
| Average total assets | $19,327,000 | 7,062 |
| Average earning assets | $17,498,000 | 7,042 |
| Average equity | $2,330,250 | 7,002 |
| Average total loans | $13,314,500 | 6,811 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9837% | 299 |
| Cost of funding earning assets | 0.4814% | 5,745 |
| Net interest margin | 5.5023% | 181 |
| Noninterest income to average assets | 0.3739% | 4,846 |
| Noninterest expense to average assets | 3.7183% | 1,340 |
| Loan and lease loss provision to assets | 0.4258% | 1,531 |
| Net operating income to assets | 1.2152% | 1,659 |
| Return on assets (ROA) | 1.2152% | 1,857 |
| Pretax return on assets | 1.2152% | 2,861 |
| Return on Equity (ROE) | 10.0645% | 2,327 |
| Retained earnings to average equity (ytd only) | 0.6022% | 5,826 |
| Net charge-offs to loans | 0.9613% | 1,153 |
| Credit loss provision to net charge-offs | 66.1290% | 3,658 |
| Earnings coverage of net charge-offs (x) | 2.5484% | 3,737 |
| Efficiency ratio | 69.3798% | 3,872 |
| Assets per employee ($millions) | 3.4178% | 5,172 |
| Cash dividends to net income (ytd only)* | 94.0171% | 532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6186% | 3,542 |
| Loan loss allowance to noncurrent loans | 101.7316% | 3,159 |
| Noncurrent assets plus other real estate owned to assets | 1.1264% | 4,135 |
| Noncurrent loans to loans | 1.5910% | 3,523 |
| Net loans and leases to total assets | 69.6543% | 1,977 |
| Net loans and leases to deposits | 93.2680% | 831 |
| Net loans and leases to core deposits | 96.8341% | 1,368 |
| Total domestic deposits to total assets | 74.6818% | 6,617 |
| Equity capital to assets | 11.4010% | 2,687 |
| Core capital (leverage) ratio | 11.1797% | 2,140 |
| Tier 1 risk-based capital ratio | 14.0665% | 4,396 |
| Total risk-based capital ratio | 15.3203% | 4,361 |
| Memoranda: | ||
| Average total assets | $19,256,330 | 7,119 |
| Average earning assets | $17,447,330 | 7,099 |
| Average equity | $2,325,000 | 7,050 |
| Average total loans | $12,899,000 | 6,889 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9737% | 320 |
| Cost of funding earning assets | 0.4998% | 5,822 |
| Net interest margin | 5.4739% | 192 |
| Noninterest income to average assets | 0.3650% | 4,954 |
| Noninterest expense to average assets | 3.8431% | 1,149 |
| Loan and lease loss provision to assets | 0.1932% | 3,016 |
| Net operating income to assets | 1.2667% | 1,551 |
| Return on assets (ROA) | 1.2667% | 1,720 |
| Pretax return on assets | 1.2667% | 2,665 |
| Return on Equity (ROE) | 10.1790% | 2,332 |
| Retained earnings to average equity (ytd only) | 0.6901% | 5,786 |
| Net charge-offs to loans | 1.5882% | 625 |
| Credit loss provision to net charge-offs | 18.7500% | 3,794 |
| Earnings coverage of net charge-offs (x) | 1.4167% | 3,614 |
| Efficiency ratio | 72.4696% | 3,348 |
| Assets per employee ($millions) | 3.0940% | 5,971 |
| Cash dividends to net income (ytd only)* | 93.2203% | 620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8238% | 2,913 |
| Loan loss allowance to noncurrent loans | 79.1971% | 3,711 |
| Noncurrent assets plus other real estate owned to assets | 1.4760% | 3,654 |
| Noncurrent loans to loans | 2.3029% | 2,806 |
| Net loans and leases to total assets | 62.9229% | 3,065 |
| Net loans and leases to deposits | 74.5152% | 3,044 |
| Net loans and leases to core deposits | 77.2962% | 3,425 |
| Total domestic deposits to total assets | 84.4430% | 4,302 |
| Equity capital to assets | 12.4919% | 1,728 |
| Core capital (leverage) ratio | 11.2688% | 2,061 |
| Tier 1 risk-based capital ratio | 16.7850% | 2,765 |
| Total risk-based capital ratio | 18.0407% | 2,724 |
| Memoranda: | ||
| Average total assets | $18,631,000 | 7,189 |
| Average earning assets | $16,807,000 | 7,178 |
| Average equity | $2,318,500 | 7,104 |
| Average total loans | $12,089,000 | 6,981 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2379% | 282 |
| Cost of funding earning assets | 0.6938% | 5,581 |
| Net interest margin | 5.5442% | 164 |
| Noninterest income to average assets | 0.3946% | 4,656 |
| Noninterest expense to average assets | 3.7758% | 1,391 |
| Loan and lease loss provision to assets | 0.4053% | 2,567 |
| Net operating income to assets | 1.2426% | 1,398 |
| Return on assets (ROA) | 1.2426% | 1,498 |
| Pretax return on assets | 1.2426% | 2,320 |
| Return on Equity (ROE) | 10.3143% | 1,953 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.4890% | 3,036 |
| Credit loss provision to net charge-offs | 122.5806% | 2,579 |
| Earnings coverage of net charge-offs (x) | 4.9839% | 2,927 |
| Efficiency ratio | 69.6165% | 4,035 |
| Assets per employee ($millions) | 2.6711% | 6,646 |
| Cash dividends to net income (ytd only)* | 100.0000% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0847% | 2,053 |
| Loan loss allowance to noncurrent loans | 143.8202% | 2,215 |
| Noncurrent assets plus other real estate owned to assets | 0.9520% | 4,705 |
| Noncurrent loans to loans | 1.4495% | 3,991 |
| Net loans and leases to total assets | 64.3063% | 3,121 |
| Net loans and leases to deposits | 75.1218% | 3,320 |
| Net loans and leases to core deposits | 77.8555% | 3,700 |
| Total domestic deposits to total assets | 85.6027% | 3,534 |
| Equity capital to assets | 12.3970% | 1,858 |
| Core capital (leverage) ratio | 11.4201% | 1,951 |
| Tier 1 risk-based capital ratio | 15.8618% | 3,121 |
| Total risk-based capital ratio | 17.1171% | 3,083 |
| Memoranda: | ||
| Average total assets | $18,751,000 | 7,229 |
| Average earning assets | $17,008,800 | 7,208 |
| Average equity | $2,259,000 | 7,170 |
| Average total loans | $12,680,200 | 7,004 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1880% | 332 |
| Cost of funding earning assets | 0.7344% | 5,566 |
| Net interest margin | 5.4536% | 188 |
| Noninterest income to average assets | 0.4050% | 4,629 |
| Noninterest expense to average assets | 3.6807% | 1,532 |
| Loan and lease loss provision to assets | 0.4263% | 2,341 |
| Net operating income to assets | 1.2577% | 1,496 |
| Return on assets (ROA) | 1.2577% | 1,600 |
| Pretax return on assets | 1.2577% | 2,438 |
| Return on Equity (ROE) | 10.5153% | 2,025 |
| Retained earnings to average equity (ytd only) | 0.2375% | 5,884 |
| Net charge-offs to loans | 0.6573% | 2,281 |
| Credit loss provision to net charge-offs | 95.2381% | 3,596 |
| Earnings coverage of net charge-offs (x) | 3.7618% | 3,309 |
| Efficiency ratio | 68.6093% | 4,194 |
| Assets per employee ($millions) | 3.2037% | 5,674 |
| Cash dividends to net income (ytd only)* | 97.7414% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7497% | 3,104 |
| Loan loss allowance to noncurrent loans | 131.8681% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.9468% | 4,859 |
| Noncurrent loans to loans | 1.3268% | 4,315 |
| Net loans and leases to total assets | 70.1124% | 2,065 |
| Net loans and leases to deposits | 89.1690% | 1,299 |
| Net loans and leases to core deposits | 92.4539% | 1,941 |
| Total domestic deposits to total assets | 78.6287% | 6,063 |
| Equity capital to assets | 12.1059% | 2,167 |
| Core capital (leverage) ratio | 11.1653% | 2,267 |
| Tier 1 risk-based capital ratio | 14.9385% | 3,698 |
| Total risk-based capital ratio | 16.1956% | 3,664 |
| Memoranda: | ||
| Average total assets | $18,764,250 | 7,303 |
| Average earning assets | $17,064,750 | 7,277 |
| Average equity | $2,244,250 | 7,244 |
| Average total loans | $12,780,250 | 7,068 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9394% | 533 |
| Cost of funding earning assets | 0.7557% | 5,638 |
| Net interest margin | 5.1837% | 288 |
| Noninterest income to average assets | 0.4083% | 4,614 |
| Noninterest expense to average assets | 3.5999% | 1,744 |
| Loan and lease loss provision to assets | 0.3439% | 2,720 |
| Net operating income to assets | 1.1821% | 1,628 |
| Return on assets (ROA) | 1.1821% | 1,714 |
| Pretax return on assets | 1.1821% | 2,552 |
| Return on Equity (ROE) | 9.9248% | 2,141 |
| Retained earnings to average equity (ytd only) | -1.6241% | 6,181 |
| Net charge-offs to loans | 0.2406% | 3,683 |
| Credit loss provision to net charge-offs | 213.3333% | 1,405 |
| Earnings coverage of net charge-offs (x) | 9.4667% | 1,920 |
| Efficiency ratio | 70.2306% | 4,065 |
| Assets per employee ($millions) | 2.7051% | 6,636 |
| Cash dividends to net income (ytd only)* | 116.3636% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0469% | 2,240 |
| Loan loss allowance to noncurrent loans | 79.9383% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 1.7110% | 3,628 |
| Noncurrent loans to loans | 2.5607% | 2,819 |
| Net loans and leases to total assets | 65.4520% | 3,147 |
| Net loans and leases to deposits | 76.1068% | 3,446 |
| Net loans and leases to core deposits | 78.6871% | 3,973 |
| Total domestic deposits to total assets | 86.0002% | 3,329 |
| Equity capital to assets | 11.8716% | 2,196 |
| Core capital (leverage) ratio | 11.1094% | 2,165 |
| Tier 1 risk-based capital ratio | 14.9432% | 3,521 |
| Total risk-based capital ratio | 16.1990% | 3,491 |
| Memoranda: | ||
| Average total assets | $18,611,670 | 7,376 |
| Average earning assets | $16,937,670 | 7,355 |
| Average equity | $2,216,670 | 7,311 |
| Average total loans | $12,468,000 | 7,148 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2204% | 324 |
| Cost of funding earning assets | 0.7865% | 5,631 |
| Net interest margin | 5.4339% | 181 |
| Noninterest income to average assets | 0.4119% | 4,606 |
| Noninterest expense to average assets | 3.3388% | 2,447 |
| Loan and lease loss provision to assets | 0.6287% | 1,371 |
| Net operating income to assets | 1.3876% | 1,081 |
| Return on assets (ROA) | 1.3876% | 1,131 |
| Pretax return on assets | 1.3876% | 1,757 |
| Return on Equity (ROE) | 11.6311% | 1,569 |
| Retained earnings to average equity (ytd only) | -0.1817% | 5,819 |
| Net charge-offs to loans | 0.5172% | 2,192 |
| Credit loss provision to net charge-offs | 181.2500% | 1,616 |
| Earnings coverage of net charge-offs (x) | 5.8125% | 2,207 |
| Efficiency ratio | 62.3482% | 5,625 |
| Assets per employee ($millions) | 3.1172% | 5,908 |
| Cash dividends to net income (ytd only)* | 101.5625% | 580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1454% | 2,088 |
| Loan loss allowance to noncurrent loans | 140.1099% | 2,114 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 4,953 |
| Noncurrent loans to loans | 1.5312% | 4,175 |
| Net loans and leases to total assets | 62.1879% | 3,813 |
| Net loans and leases to deposits | 72.1750% | 4,048 |
| Net loans and leases to core deposits | 73.4466% | 4,601 |
| Total domestic deposits to total assets | 86.1626% | 3,425 |
| Equity capital to assets | 11.8216% | 2,028 |
| Core capital (leverage) ratio | 11.2509% | 2,003 |
| Tier 1 risk-based capital ratio | 14.4453% | 3,776 |
| Total risk-based capital ratio | 15.6974% | 3,735 |
| Memoranda: | ||
| Average total assets | $18,449,500 | 7,438 |
| Average earning assets | $16,783,500 | 7,414 |
| Average equity | $2,201,000 | 7,371 |
| Average total loans | $12,375,500 | 7,207 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7939% | 203 |
| Cost of funding earning assets | 0.9330% | 6,019 |
| Net interest margin | 5.8610% | 114 |
| Noninterest income to average assets | 0.4208% | 4,738 |
| Noninterest expense to average assets | 3.3287% | 2,644 |
| Loan and lease loss provision to assets | 0.8039% | 2,023 |
| Net operating income to assets | 1.5753% | 651 |
| Return on assets (ROA) | 1.5753% | 713 |
| Pretax return on assets | 1.5753% | 1,186 |
| Return on Equity (ROE) | 13.3042% | 1,021 |
| Retained earnings to average equity (ytd only) | 2.3692% | 4,220 |
| Net charge-offs to loans | 1.3126% | 1,701 |
| Credit loss provision to net charge-offs | 87.6471% | 5,224 |
| Earnings coverage of net charge-offs (x) | 2.5941% | 3,803 |
| Efficiency ratio | 58.3176% | 6,303 |
| Assets per employee ($millions) | 3.0327% | 6,031 |
| Cash dividends to net income (ytd only)* | 82.1918% | 784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8811% | 2,612 |
| Loan loss allowance to noncurrent loans | 163.5135% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.8134% | 5,373 |
| Noncurrent loans to loans | 1.1504% | 4,805 |
| Net loans and leases to total assets | 69.3724% | 2,692 |
| Net loans and leases to deposits | 81.2395% | 2,945 |
| Net loans and leases to core deposits | 84.1421% | 3,575 |
| Total domestic deposits to total assets | 85.3924% | 3,666 |
| Equity capital to assets | 12.0411% | 1,891 |
| Core capital (leverage) ratio | 11.6328% | 1,764 |
| Tier 1 risk-based capital ratio | 15.3111% | 3,094 |
| Total risk-based capital ratio | 16.5657% | 3,046 |
| Memoranda: | ||
| Average total assets | $18,535,600 | 7,498 |
| Average earning assets | $16,720,800 | 7,482 |
| Average equity | $2,194,800 | 7,470 |
| Average total loans | $12,951,000 | 7,257 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8529% | 186 |
| Cost of funding earning assets | 0.9597% | 6,132 |
| Net interest margin | 5.8932% | 105 |
| Noninterest income to average assets | 0.4296% | 4,719 |
| Noninterest expense to average assets | 3.2651% | 2,689 |
| Loan and lease loss provision to assets | 0.8521% | 1,783 |
| Net operating income to assets | 1.6326% | 697 |
| Return on assets (ROA) | 1.6326% | 762 |
| Pretax return on assets | 1.6326% | 1,266 |
| Return on Equity (ROE) | 13.8445% | 1,066 |
| Retained earnings to average equity (ytd only) | 2.9147% | 4,385 |
| Net charge-offs to loans | 0.6372% | 2,837 |
| Credit loss provision to net charge-offs | 191.9355% | 1,865 |
| Earnings coverage of net charge-offs (x) | 5.5971% | 2,711 |
| Efficiency ratio | 56.7870% | 6,443 |
| Assets per employee ($millions) | 3.0020% | 6,145 |
| Cash dividends to net income (ytd only)* | 78.9467% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3476% | 1,552 |
| Loan loss allowance to noncurrent loans | 260.1626% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6829% | 5,754 |
| Noncurrent loans to loans | 0.9024% | 5,440 |
| Net loans and leases to total assets | 73.9007% | 1,830 |
| Net loans and leases to deposits | 88.6513% | 1,919 |
| Net loans and leases to core deposits | 91.9331% | 2,810 |
| Total domestic deposits to total assets | 83.3611% | 4,430 |
| Equity capital to assets | 12.5028% | 1,859 |
| Core capital (leverage) ratio | 11.7628% | 1,783 |
| Tier 1 risk-based capital ratio | 15.2913% | 3,109 |
| Total risk-based capital ratio | 16.5537% | 3,059 |
| Memoranda: | ||
| Average total assets | $18,620,500 | 7,598 |
| Average earning assets | $16,810,000 | 7,575 |
| Average equity | $2,195,750 | 7,569 |
| Average total loans | $12,972,500 | 7,347 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7722% | 215 |
| Cost of funding earning assets | 0.9759% | 6,255 |
| Net interest margin | 5.7964% | 120 |
| Noninterest income to average assets | 0.4356% | 4,648 |
| Noninterest expense to average assets | 3.2513% | 2,725 |
| Loan and lease loss provision to assets | 0.6906% | 2,094 |
| Net operating income to assets | 1.7319% | 550 |
| Return on assets (ROA) | 1.7319% | 601 |
| Pretax return on assets | 1.7319% | 997 |
| Return on Equity (ROE) | 14.9747% | 862 |
| Retained earnings to average equity (ytd only) | 4.4097% | 3,271 |
| Net charge-offs to loans | 0.1098% | 5,065 |
| Credit loss provision to net charge-offs | 928.5714% | 398 |
| Earnings coverage of net charge-offs (x) | 32.5714% | 864 |
| Efficiency ratio | 57.3034% | 6,473 |
| Assets per employee ($millions) | 3.1065% | 5,903 |
| Cash dividends to net income (ytd only)* | 70.5521% | 1,017 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4043% | 1,429 |
| Loan loss allowance to noncurrent loans | 260.9756% | 1,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6599% | 5,841 |
| Noncurrent loans to loans | 0.9213% | 5,438 |
| Net loans and leases to total assets | 69.9072% | 2,925 |
| Net loans and leases to deposits | 87.8387% | 2,201 |
| Net loans and leases to core deposits | 91.2337% | 3,087 |
| Total domestic deposits to total assets | 79.5858% | 5,865 |
| Equity capital to assets | 11.8569% | 2,177 |
| Core capital (leverage) ratio | 11.6897% | 1,814 |
| Tier 1 risk-based capital ratio | 15.3968% | 2,955 |
| Total risk-based capital ratio | 16.6607% | 2,913 |
| Memoranda: | ||
| Average total assets | $18,823,330 | 7,655 |
| Average earning assets | $17,010,670 | 7,638 |
| Average equity | $2,177,000 | 7,633 |
| Average total loans | $12,753,000 | 7,413 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3483% | 488 |
| Cost of funding earning assets | 1.0307% | 6,225 |
| Net interest margin | 5.3176% | 237 |
| Noninterest income to average assets | 0.4441% | 4,524 |
| Noninterest expense to average assets | 3.1931% | 2,892 |
| Loan and lease loss provision to assets | 0.5075% | 2,462 |
| Net operating income to assets | 1.5437% | 828 |
| Return on assets (ROA) | 1.5437% | 891 |
| Pretax return on assets | 1.5437% | 1,412 |
| Return on Equity (ROE) | 13.5154% | 1,143 |
| Retained earnings to average equity (ytd only) | 2.4069% | 4,696 |
| Net charge-offs to loans | 0.2248% | 3,582 |
| Credit loss provision to net charge-offs | 342.8571% | 1,175 |
| Earnings coverage of net charge-offs (x) | 13.8571% | 1,468 |
| Efficiency ratio | 60.8871% | 6,020 |
| Assets per employee ($millions) | 3.0820% | 6,039 |
| Cash dividends to net income (ytd only)* | 82.1918% | 807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3533% | 1,489 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 62.8272% | 4,577 |
| Net loans and leases to deposits | 73.1336% | 4,878 |
| Net loans and leases to core deposits | 75.7663% | 5,291 |
| Total domestic deposits to total assets | 85.9074% | 3,207 |
| Equity capital to assets | 11.7618% | 2,193 |
| Core capital (leverage) ratio | 11.0819% | 2,175 |
| Tier 1 risk-based capital ratio | 15.3891% | 2,926 |
| Total risk-based capital ratio | 16.6521% | 2,871 |
| Memoranda: | ||
| Average total assets | $18,915,500 | 7,751 |
| Average earning assets | $17,075,500 | 7,728 |
| Average equity | $2,160,500 | 7,719 |
| Average total loans | $12,454,000 | 7,527 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1769% | 216 |
| Cost of funding earning assets | 1.3600% | 6,095 |
| Net interest margin | 5.8169% | 133 |
| Noninterest income to average assets | 0.4887% | 4,499 |
| Noninterest expense to average assets | 3.2615% | 3,150 |
| Loan and lease loss provision to assets | 0.6534% | 3,196 |
| Net operating income to assets | 1.8220% | 342 |
| Return on assets (ROA) | 1.8220% | 352 |
| Pretax return on assets | 1.8220% | 606 |
| Return on Equity (ROE) | 16.3708% | 520 |
| Retained earnings to average equity (ytd only) | 4.2001% | 2,279 |
| Net charge-offs to loans | 1.1515% | 2,125 |
| Credit loss provision to net charge-offs | 80.9211% | 6,264 |
| Earnings coverage of net charge-offs (x) | 3.0658% | 3,534 |
| Efficiency ratio | 56.8519% | 6,905 |
| Assets per employee ($millions) | 3.2232% | 5,672 |
| Cash dividends to net income (ytd only)* | 74.3440% | 1,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0215% | 1,975 |
| Loan loss allowance to noncurrent loans | 3,757.1429% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0362% | 7,429 |
| Noncurrent loans to loans | 0.0538% | 7,289 |
| Net loans and leases to total assets | 65.9134% | 4,172 |
| Net loans and leases to deposits | 76.2608% | 4,692 |
| Net loans and leases to core deposits | 93.8798% | 4,687 |
| Total domestic deposits to total assets | 86.4316% | 2,803 |
| Equity capital to assets | 11.0967% | 2,624 |
| Core capital (leverage) ratio | 11.1123% | 2,168 |
| Tier 1 risk-based capital ratio | 14.2005% | 3,377 |
| Total risk-based capital ratio | 15.4539% | 3,332 |
| Memoranda: | ||
| Average total assets | $18,825,600 | 7,810 |
| Average earning assets | $16,985,000 | 7,789 |
| Average equity | $2,095,200 | 7,826 |
| Average total loans | $13,200,400 | 7,538 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2997% | 193 |
| Cost of funding earning assets | 1.4235% | 6,139 |
| Net interest margin | 5.8761% | 124 |
| Noninterest income to average assets | 0.4207% | 5,126 |
| Noninterest expense to average assets | 3.2874% | 2,963 |
| Loan and lease loss provision to assets | 0.5063% | 3,362 |
| Net operating income to assets | 1.9254% | 341 |
| Return on assets (ROA) | 1.9254% | 369 |
| Pretax return on assets | 1.9254% | 628 |
| Return on Equity (ROE) | 17.2864% | 517 |
| Retained earnings to average equity (ytd only) | 5.7623% | 2,071 |
| Net charge-offs to loans | -0.1409% | 7,945 |
| Credit loss provision to net charge-offs | -507.1429% | 7,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4813% | 6,791 |
| Assets per employee ($millions) | 3.0568% | 6,019 |
| Cash dividends to net income (ytd only)* | 66.6657% | 1,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6356% | 935 |
| Loan loss allowance to noncurrent loans | 296.8504% | 1,021 |
| Noncurrent assets plus other real estate owned to assets | 0.8178% | 5,459 |
| Noncurrent loans to loans | 0.8879% | 5,509 |
| Net loans and leases to total assets | 75.9337% | 2,005 |
| Net loans and leases to deposits | 89.4879% | 2,674 |
| Net loans and leases to core deposits | 113.3474% | 2,894 |
| Total domestic deposits to total assets | 84.8536% | 3,307 |
| Equity capital to assets | 11.8859% | 2,300 |
| Core capital (leverage) ratio | 11.4289% | 2,109 |
| Tier 1 risk-based capital ratio | 14.4183% | 3,322 |
| Total risk-based capital ratio | 15.6828% | 3,259 |
| Memoranda: | ||
| Average total assets | $18,697,250 | 7,891 |
| Average earning assets | $16,858,750 | 7,876 |
| Average equity | $2,082,500 | 7,908 |
| Average total loans | $13,248,000 | 7,609 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1132% | 261 |
| Cost of funding earning assets | 1.4697% | 6,257 |
| Net interest margin | 5.6435% | 154 |
| Noninterest income to average assets | 0.4039% | 5,249 |
| Noninterest expense to average assets | 3.2844% | 3,030 |
| Loan and lease loss provision to assets | 0.4358% | 3,374 |
| Net operating income to assets | 1.7857% | 482 |
| Return on assets (ROA) | 1.7857% | 519 |
| Pretax return on assets | 1.7857% | 868 |
| Return on Equity (ROE) | 16.3902% | 655 |
| Retained earnings to average equity (ytd only) | 5.1707% | 2,413 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6525% | 6,600 |
| Assets per employee ($millions) | 3.1267% | 5,789 |
| Cash dividends to net income (ytd only)* | 68.4524% | 1,415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4478% | 942 |
| Loan loss allowance to noncurrent loans | 263.4921% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.6716% | 5,732 |
| Noncurrent loans to loans | 0.9290% | 5,356 |
| Net loans and leases to total assets | 70.5277% | 3,572 |
| Net loans and leases to deposits | 82.1495% | 4,202 |
| Net loans and leases to core deposits | 103.3833% | 4,135 |
| Total domestic deposits to total assets | 85.8529% | 2,861 |
| Equity capital to assets | 11.0394% | 2,878 |
| Core capital (leverage) ratio | 10.8891% | 2,493 |
| Tier 1 risk-based capital ratio | 14.5727% | 3,209 |
| Total risk-based capital ratio | 15.8390% | 3,138 |
| Memoranda: | ||
| Average total assets | $18,816,000 | 7,966 |
| Average earning assets | $17,010,670 | 7,946 |
| Average equity | $2,050,000 | 7,994 |
| Average total loans | $12,896,000 | 7,706 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9274% | 390 |
| Cost of funding earning assets | 1.5551% | 6,212 |
| Net interest margin | 5.3723% | 211 |
| Noninterest income to average assets | 0.4245% | 5,007 |
| Noninterest expense to average assets | 3.4388% | 2,261 |
| Loan and lease loss provision to assets | 0.2123% | 4,324 |
| Net operating income to assets | 1.6132% | 769 |
| Return on assets (ROA) | 1.6132% | 842 |
| Pretax return on assets | 1.6132% | 1,374 |
| Return on Equity (ROE) | 14.9056% | 993 |
| Retained earnings to average equity (ytd only) | 4.1187% | 3,609 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3226% | 5,445 |
| Assets per employee ($millions) | 3.2222% | 5,543 |
| Cash dividends to net income (ytd only)* | 72.3684% | 1,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4016% | 849 |
| Loan loss allowance to noncurrent loans | 249.5868% | 1,337 |
| Noncurrent assets plus other real estate owned to assets | 0.6259% | 5,616 |
| Noncurrent loans to loans | 0.9622% | 5,068 |
| Net loans and leases to total assets | 63.4821% | 5,077 |
| Net loans and leases to deposits | 73.2585% | 5,578 |
| Net loans and leases to core deposits | 91.2559% | 5,433 |
| Total domestic deposits to total assets | 86.6549% | 2,382 |
| Equity capital to assets | 10.5985% | 3,370 |
| Core capital (leverage) ratio | 10.5176% | 2,902 |
| Tier 1 risk-based capital ratio | 15.0467% | 3,043 |
| Total risk-based capital ratio | 16.3081% | 2,979 |
| Memoranda: | ||
| Average total assets | $18,844,000 | 8,011 |
| Average earning assets | $16,976,000 | 8,000 |
| Average equity | $2,039,500 | 8,050 |
| Average total loans | $12,562,500 | 7,770 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6495% | 308 |
| Cost of funding earning assets | 2.0980% | 6,060 |
| Net interest margin | 5.5514% | 193 |
| Noninterest income to average assets | 0.4712% | 4,868 |
| Noninterest expense to average assets | 3.3153% | 2,921 |
| Loan and lease loss provision to assets | 0.4047% | 3,258 |
| Net operating income to assets | 1.7242% | 645 |
| Return on assets (ROA) | 1.7242% | 618 |
| Pretax return on assets | 1.7242% | 1,094 |
| Return on Equity (ROE) | 15.7692% | 804 |
| Retained earnings to average equity (ytd only) | 2.3324% | 3,751 |
| Net charge-offs to loans | 0.7366% | 1,678 |
| Credit loss provision to net charge-offs | 76.0417% | 5,975 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 4,151 |
| Efficiency ratio | 60.8961% | 6,181 |
| Assets per employee ($millions) | 3.0592% | 5,901 |
| Cash dividends to net income (ytd only)* | 85.2090% | 1,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3267% | 824 |
| Loan loss allowance to noncurrent loans | 241.3223% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6592% | 5,241 |
| Noncurrent loans to loans | 0.9641% | 4,673 |
| Net loans and leases to total assets | 66.7829% | 4,687 |
| Net loans and leases to deposits | 77.9176% | 5,355 |
| Net loans and leases to core deposits | 97.1931% | 5,129 |
| Total domestic deposits to total assets | 85.7096% | 2,531 |
| Equity capital to assets | 11.0597% | 2,992 |
| Core capital (leverage) ratio | 11.0976% | 2,512 |
| Tier 1 risk-based capital ratio | 15.2144% | 2,953 |
| Total risk-based capital ratio | 16.4798% | 2,874 |
| Memoranda: | ||
| Average total assets | $18,037,600 | 8,074 |
| Average earning assets | $16,158,000 | 8,063 |
| Average equity | $1,972,200 | 8,123 |
| Average total loans | $13,033,400 | 7,769 |