Home > First Bank > Performance and Condition Ratios
First 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 | 2.3773% | 6,442 |
| Cost of funding earning assets | 0.3530% | 4,312 |
| Net interest margin | 2.0242% | 6,442 |
| Noninterest income to average assets | 0.8105% | 1,853 |
| Noninterest expense to average assets | 2.3384% | 5,004 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2737% | 5,668 |
| Return on assets (ROA) | 0.2737% | 5,734 |
| Pretax return on assets | 0.3614% | 5,653 |
| Return on Equity (ROE) | 2.6770% | 5,661 |
| Retained earnings to average equity (ytd only) | 2.6770% | 4,689 |
| Net charge-offs to loans | 0.1797% | 2,014 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 12.3606% | 2,324 |
| Efficiency ratio | 86.6142% | 1,126 |
| Assets per employee ($millions) | 3.8711% | 4,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8955% | 174 |
| Loan loss allowance to noncurrent loans | 4,362.5000% | 156 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 6,112 |
| Noncurrent loans to loans | 0.0893% | 5,676 |
| Net loans and leases to total assets | 17.1091% | 6,483 |
| Net loans and leases to deposits | 19.2480% | 6,494 |
| Net loans and leases to core deposits | 19.2480% | 6,496 |
| Total domestic deposits to total assets | 88.8880% | 1,308 |
| Equity capital to assets | 10.9848% | 2,973 |
| Core capital (leverage) ratio | 11.7341% | 1,882 |
| Tier 1 risk-based capital ratio | 34.6468% | 366 |
| Total risk-based capital ratio | 35.9078% | 360 |
| Memoranda: | ||
| Average total assets | $50,175,500 | 5,848 |
| Average earning assets | $46,831,500 | 5,818 |
| Average equity | $5,130,000 | 5,889 |
| Average total loans | $8,164,750 | 6,435 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4623% | 6,486 |
| Cost of funding earning assets | 0.3560% | 4,367 |
| Net interest margin | 2.1062% | 6,490 |
| Noninterest income to average assets | 0.8139% | 1,788 |
| Noninterest expense to average assets | 2.3341% | 5,073 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3272% | 5,471 |
| Return on assets (ROA) | 0.3272% | 5,545 |
| Pretax return on assets | 0.4389% | 5,454 |
| Return on Equity (ROE) | 3.2818% | 5,436 |
| Retained earnings to average equity (ytd only) | 3.2818% | 4,116 |
| Net charge-offs to loans | 0.2025% | 1,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 13.7500% | 1,954 |
| Efficiency ratio | 84.1727% | 1,490 |
| Assets per employee ($millions) | 3.8520% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5940% | 108 |
| Loan loss allowance to noncurrent loans | 4,412.5000% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.0160% | 6,189 |
| Noncurrent loans to loans | 0.1041% | 5,702 |
| Net loans and leases to total assets | 14.6397% | 6,565 |
| Net loans and leases to deposits | 16.4605% | 6,581 |
| Net loans and leases to core deposits | 16.4605% | 6,572 |
| Total domestic deposits to total assets | 88.9388% | 1,392 |
| Equity capital to assets | 10.9673% | 2,908 |
| Core capital (leverage) ratio | 11.7858% | 1,796 |
| Tier 1 risk-based capital ratio | 36.3928% | 312 |
| Total risk-based capital ratio | 37.6564% | 307 |
| Memoranda: | ||
| Average total assets | $50,126,000 | 5,902 |
| Average earning assets | $46,623,330 | 5,870 |
| Average equity | $4,997,330 | 5,956 |
| Average total loans | $7,900,000 | 6,512 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4921% | 6,550 |
| Cost of funding earning assets | 0.3523% | 4,515 |
| Net interest margin | 2.1397% | 6,551 |
| Noninterest income to average assets | 0.8774% | 1,461 |
| Noninterest expense to average assets | 2.3050% | 5,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4546% | 4,913 |
| Return on assets (ROA) | 0.4546% | 4,985 |
| Pretax return on assets | 0.5583% | 4,987 |
| Return on Equity (ROE) | 4.8000% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.8000% | 3,229 |
| Net charge-offs to loans | 0.3996% | 912 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.7500% | 1,991 |
| Efficiency ratio | 80.5014% | 2,129 |
| Assets per employee ($millions) | 3.5764% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3559% | 143 |
| Loan loss allowance to noncurrent loans | 3,530.0000% | 170 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 6,249 |
| Noncurrent loans to loans | 0.1234% | 5,739 |
| Net loans and leases to total assets | 15.4806% | 6,629 |
| Net loans and leases to deposits | 17.2038% | 6,640 |
| Net loans and leases to core deposits | 17.2038% | 6,639 |
| Total domestic deposits to total assets | 89.9838% | 1,084 |
| Equity capital to assets | 9.9303% | 3,925 |
| Core capital (leverage) ratio | 11.3929% | 2,057 |
| Tier 1 risk-based capital ratio | 34.7148% | 359 |
| Total risk-based capital ratio | 35.9790% | 353 |
| Memoranda: | ||
| Average total assets | $50,151,000 | 5,961 |
| Average earning assets | $46,548,000 | 5,929 |
| Average equity | $4,750,000 | 6,060 |
| Average total loans | $8,008,000 | 6,575 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0463% | 6,709 |
| Cost of funding earning assets | 0.4223% | 4,409 |
| Net interest margin | 1.6240% | 6,708 |
| Noninterest income to average assets | 1.1899% | 1,003 |
| Noninterest expense to average assets | 2.1721% | 5,690 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4363% | 5,005 |
| Return on assets (ROA) | 0.6036% | 4,361 |
| Pretax return on assets | 0.7380% | 4,387 |
| Return on Equity (ROE) | 6.4296% | 3,863 |
| Retained earnings to average equity (ytd only) | 1.7839% | 4,963 |
| Net charge-offs to loans | 0.4067% | 1,656 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.2000% | 2,404 |
| Efficiency ratio | 80.2708% | 2,109 |
| Assets per employee ($millions) | 3.8641% | 4,128 |
| Cash dividends to net income (ytd only)* | 72.2543% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5627% | 129 |
| Loan loss allowance to noncurrent loans | 3,281.8182% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0219% | 6,338 |
| Noncurrent loans to loans | 0.1390% | 5,785 |
| Net loans and leases to total assets | 15.0320% | 6,717 |
| Net loans and leases to deposits | 16.5661% | 6,729 |
| Net loans and leases to core deposits | 16.5661% | 6,726 |
| Total domestic deposits to total assets | 90.7392% | 688 |
| Equity capital to assets | 9.0140% | 5,025 |
| Core capital (leverage) ratio | 10.8808% | 2,498 |
| Tier 1 risk-based capital ratio | 33.0278% | 396 |
| Total risk-based capital ratio | 34.2874% | 389 |
| Memoranda: | ||
| Average total assets | $57,318,000 | 5,827 |
| Average earning assets | $53,511,200 | 5,787 |
| Average equity | $5,381,400 | 5,968 |
| Average total loans | $7,376,200 | 6,671 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0103% | 6,797 |
| Cost of funding earning assets | 0.4411% | 4,372 |
| Net interest margin | 1.5692% | 6,801 |
| Noninterest income to average assets | 1.2591% | 927 |
| Noninterest expense to average assets | 2.0082% | 5,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5954% | 4,368 |
| Return on assets (ROA) | 0.8146% | 3,402 |
| Pretax return on assets | 0.9838% | 3,566 |
| Return on Equity (ROE) | 8.6031% | 2,836 |
| Retained earnings to average equity (ytd only) | 8.6031% | 1,196 |
| Net charge-offs to loans | 0.0736% | 3,890 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 79.7974% | 595 |
| Efficiency ratio | 73.6146% | 3,122 |
| Assets per employee ($millions) | 4.3633% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.9898% | 55 |
| Loan loss allowance to noncurrent loans | 3,225.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0229% | 6,419 |
| Noncurrent loans to loans | 0.1857% | 5,772 |
| Net loans and leases to total assets | 11.6005% | 6,826 |
| Net loans and leases to deposits | 12.8831% | 6,828 |
| Net loans and leases to core deposits | 12.8831% | 6,823 |
| Total domestic deposits to total assets | 90.0439% | 971 |
| Equity capital to assets | 9.8969% | 4,057 |
| Core capital (leverage) ratio | 10.5030% | 3,002 |
| Tier 1 risk-based capital ratio | 36.6648% | 292 |
| Total risk-based capital ratio | 37.9810% | 289 |
| Memoranda: | ||
| Average total assets | $59,089,250 | 5,844 |
| Average earning assets | $55,314,500 | 5,780 |
| Average equity | $5,594,750 | 5,978 |
| Average total loans | $7,242,250 | 6,753 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0312% | 6,840 |
| Cost of funding earning assets | 0.4583% | 4,334 |
| Net interest margin | 1.5729% | 6,847 |
| Noninterest income to average assets | 1.4902% | 708 |
| Noninterest expense to average assets | 1.8489% | 6,295 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9382% | 2,625 |
| Return on assets (ROA) | 1.2587% | 1,531 |
| Pretax return on assets | 1.5000% | 1,619 |
| Return on Equity (ROE) | 13.4675% | 1,130 |
| Retained earnings to average equity (ytd only) | 13.4675% | 338 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3077% | 5,128 |
| Assets per employee ($millions) | 4.5224% | 2,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4025% | 40 |
| Loan loss allowance to noncurrent loans | 2,792.8571% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 6,467 |
| Noncurrent loans to loans | 0.2292% | 5,735 |
| Net loans and leases to total assets | 9.7226% | 6,881 |
| Net loans and leases to deposits | 10.6398% | 6,888 |
| Net loans and leases to core deposits | 10.6398% | 6,879 |
| Total domestic deposits to total assets | 91.3796% | 415 |
| Equity capital to assets | 8.5727% | 5,693 |
| Core capital (leverage) ratio | 9.3139% | 4,517 |
| Tier 1 risk-based capital ratio | 35.8386% | 312 |
| Total risk-based capital ratio | 37.1047% | 304 |
| Memoranda: | ||
| Average total assets | $61,332,330 | 5,826 |
| Average earning assets | $57,600,330 | 5,761 |
| Average equity | $5,732,330 | 5,989 |
| Average total loans | $7,502,670 | 6,792 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1279% | 6,910 |
| Cost of funding earning assets | 0.4661% | 4,415 |
| Net interest margin | 1.6618% | 6,916 |
| Noninterest income to average assets | 0.7795% | 2,217 |
| Noninterest expense to average assets | 1.8913% | 6,285 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3642% | 5,286 |
| Return on assets (ROA) | 0.3642% | 5,422 |
| Pretax return on assets | 0.4600% | 5,389 |
| Return on Equity (ROE) | 3.7509% | 5,217 |
| Retained earnings to average equity (ytd only) | 3.7509% | 3,985 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4348% | 2,265 |
| Assets per employee ($millions) | 4.6955% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0898% | 129 |
| Loan loss allowance to noncurrent loans | 1,150.0000% | 418 |
| Noncurrent assets plus other real estate owned to assets | 0.0557% | 6,439 |
| Noncurrent loans to loans | 0.4426% | 5,312 |
| Net loans and leases to total assets | 11.9442% | 6,948 |
| Net loans and leases to deposits | 13.2704% | 6,952 |
| Net loans and leases to core deposits | 13.2704% | 6,943 |
| Total domestic deposits to total assets | 90.0069% | 1,048 |
| Equity capital to assets | 9.9538% | 4,205 |
| Core capital (leverage) ratio | 9.7662% | 3,707 |
| Tier 1 risk-based capital ratio | 33.7789% | 383 |
| Total risk-based capital ratio | 35.0389% | 379 |
| Memoranda: | ||
| Average total assets | $62,603,000 | 5,848 |
| Average earning assets | $59,214,500 | 5,770 |
| Average equity | $6,078,500 | 5,963 |
| Average total loans | $8,200,500 | 6,840 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7835% | 6,857 |
| Cost of funding earning assets | 0.4715% | 5,410 |
| Net interest margin | 2.3120% | 6,835 |
| Noninterest income to average assets | 0.7653% | 2,416 |
| Noninterest expense to average assets | 7.4404% | 128 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -3.4863% | 7,028 |
| Return on assets (ROA) | -2.8049% | 7,001 |
| Pretax return on assets | -3.6494% | 7,039 |
| Return on Equity (ROE) | -28.2945% | 6,947 |
| Retained earnings to average equity (ytd only) | -28.2945% | 6,924 |
| Net charge-offs to loans | 0.0446% | 5,290 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -672.5000% | 5,983 |
| Efficiency ratio | 256.0325% | 22 |
| Assets per employee ($millions) | 4.9357% | 2,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4845% | 192 |
| Loan loss allowance to noncurrent loans | 868.8889% | 516 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 6,431 |
| Noncurrent loans to loans | 0.5161% | 5,240 |
| Net loans and leases to total assets | 12.9792% | 6,995 |
| Net loans and leases to deposits | 14.3396% | 7,003 |
| Net loans and leases to core deposits | 14.4145% | 6,997 |
| Total domestic deposits to total assets | 90.5134% | 697 |
| Equity capital to assets | 9.4773% | 4,902 |
| Core capital (leverage) ratio | 9.7619% | 3,711 |
| Tier 1 risk-based capital ratio | 31.5596% | 446 |
| Total risk-based capital ratio | 32.8202% | 439 |
| Memoranda: | ||
| Average total assets | $59,324,600 | 5,938 |
| Average earning assets | $54,931,000 | 5,892 |
| Average equity | $5,881,000 | 6,053 |
| Average total loans | $8,978,200 | 6,884 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8874% | 6,935 |
| Cost of funding earning assets | 0.4779% | 5,581 |
| Net interest margin | 2.4095% | 6,886 |
| Noninterest income to average assets | 0.7709% | 2,373 |
| Noninterest expense to average assets | 16.2686% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -12.0399% | 7,179 |
| Return on assets (ROA) | -11.1088% | 7,178 |
| Pretax return on assets | -12.2536% | 7,177 |
| Return on Equity (ROE) | -110.7158% | 7,166 |
| Retained earnings to average equity (ytd only) | -110.7158% | 7,166 |
| Net charge-offs to loans | 0.2949% | 2,961 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -289.3067% | 5,768 |
| Efficiency ratio | 543.7883% | 5 |
| Assets per employee ($millions) | 4.7299% | 2,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6137% | 192 |
| 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 | 12.6088% | 7,102 |
| Net loans and leases to deposits | 14.0629% | 7,113 |
| Net loans and leases to core deposits | 14.1403% | 7,106 |
| Total domestic deposits to total assets | 89.6599% | 1,041 |
| Equity capital to assets | 10.0376% | 4,437 |
| Core capital (leverage) ratio | 9.9958% | 3,551 |
| Tier 1 risk-based capital ratio | 31.1866% | 474 |
| Total risk-based capital ratio | 32.4431% | 469 |
| Memoranda: | ||
| Average total assets | $58,114,750 | 6,039 |
| Average earning assets | $53,565,000 | 6,007 |
| Average equity | $5,831,000 | 6,142 |
| Average total loans | $9,043,000 | 6,977 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0015% | 6,969 |
| Cost of funding earning assets | 0.4945% | 5,662 |
| Net interest margin | 2.5070% | 6,883 |
| Noninterest income to average assets | 0.7405% | 2,466 |
| Noninterest expense to average assets | 23.6778% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -18.7843% | 7,243 |
| Return on assets (ROA) | -17.6347% | 7,243 |
| Pretax return on assets | -19.3788% | 7,243 |
| Return on Equity (ROE) | -175.7814% | 7,230 |
| Retained earnings to average equity (ytd only) | -175.7814% | 7,230 |
| Net charge-offs to loans | 1.1553% | 934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | -108.9259% | 5,501 |
| Efficiency ratio | 780.0000% | 3 |
| Assets per employee ($millions) | 4.4735% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0075% | 344 |
| 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 | 14.0863% | 7,153 |
| Net loans and leases to deposits | 15.6351% | 7,166 |
| Net loans and leases to core deposits | 15.7254% | 7,161 |
| Total domestic deposits to total assets | 90.0939% | 875 |
| Equity capital to assets | 9.8906% | 4,500 |
| Core capital (leverage) ratio | 10.3660% | 2,965 |
| Tier 1 risk-based capital ratio | 35.7823% | 320 |
| Total risk-based capital ratio | 37.0463% | 317 |
| Memoranda: | ||
| Average total assets | $56,990,000 | 6,109 |
| Average earning assets | $52,174,330 | 6,086 |
| Average equity | $5,717,330 | 6,189 |
| Average total loans | $9,348,000 | 7,021 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9584% | 7,054 |
| Cost of funding earning assets | 0.4856% | 5,898 |
| Net interest margin | 2.4728% | 6,972 |
| Noninterest income to average assets | 0.8368% | 2,007 |
| Noninterest expense to average assets | 2.3898% | 5,506 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5658% | 4,514 |
| Return on assets (ROA) | 0.8226% | 3,513 |
| Pretax return on assets | 1.1559% | 3,086 |
| Return on Equity (ROE) | 8.1404% | 3,221 |
| Retained earnings to average equity (ytd only) | 8.1404% | 1,928 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0557% | 2,930 |
| Assets per employee ($millions) | 3.9034% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0356% | 359 |
| 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 | 17.1882% | 7,175 |
| Net loans and leases to deposits | 19.2306% | 7,198 |
| Net loans and leases to core deposits | 19.3495% | 7,202 |
| Total domestic deposits to total assets | 89.3793% | 1,436 |
| Equity capital to assets | 10.5274% | 3,459 |
| Core capital (leverage) ratio | 10.4897% | 2,763 |
| Tier 1 risk-based capital ratio | 31.3612% | 469 |
| Total risk-based capital ratio | 32.6233% | 460 |
| Memoranda: | ||
| Average total assets | $56,407,000 | 6,167 |
| Average earning assets | $53,542,500 | 6,081 |
| Average equity | $5,700,000 | 6,225 |
| Average total loans | $9,755,000 | 7,076 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5333% | 7,252 |
| Cost of funding earning assets | 0.5419% | 6,380 |
| Net interest margin | 1.9914% | 7,221 |
| Noninterest income to average assets | 0.8233% | 1,953 |
| Noninterest expense to average assets | 2.3340% | 5,964 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2129% | 5,549 |
| Return on assets (ROA) | 0.4812% | 4,711 |
| Pretax return on assets | 0.7150% | 4,269 |
| Return on Equity (ROE) | 4.9432% | 4,419 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.0610% | 5,690 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 831 |
| Efficiency ratio | 88.1246% | 1,354 |
| Assets per employee ($millions) | 3.8777% | 4,138 |
| Cash dividends to net income (ytd only)* | 100.0000% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0630% | 367 |
| 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 | 16.0351% | 7,250 |
| Net loans and leases to deposits | 17.7769% | 7,270 |
| Net loans and leases to core deposits | 17.7769% | 7,263 |
| Total domestic deposits to total assets | 90.2022% | 878 |
| Equity capital to assets | 9.7084% | 4,581 |
| Core capital (leverage) ratio | 9.8846% | 3,475 |
| Tier 1 risk-based capital ratio | 30.9295% | 473 |
| Total risk-based capital ratio | 32.1886% | 463 |
| Memoranda: | ||
| Average total assets | $58,182,200 | 6,099 |
| Average earning assets | $53,329,400 | 6,067 |
| Average equity | $5,664,400 | 6,244 |
| Average total loans | $9,840,000 | 7,121 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6177% | 7,333 |
| Cost of funding earning assets | 0.5593% | 6,479 |
| Net interest margin | 2.0584% | 7,291 |
| Noninterest income to average assets | 0.8501% | 1,834 |
| Noninterest expense to average assets | 2.2937% | 6,056 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2947% | 5,415 |
| Return on assets (ROA) | 0.6141% | 4,208 |
| Pretax return on assets | 0.8982% | 3,771 |
| Return on Equity (ROE) | 6.3033% | 3,876 |
| Retained earnings to average equity (ytd only) | 4.5394% | 3,489 |
| Net charge-offs to loans | 0.0811% | 5,163 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 31.1663% | 909 |
| Efficiency ratio | 84.2593% | 1,708 |
| Assets per employee ($millions) | 3.5895% | 4,786 |
| Cash dividends to net income (ytd only)* | 27.9861% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5771% | 247 |
| Loan loss allowance to noncurrent loans | 9,875.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 7,057 |
| Noncurrent loans to loans | 0.0463% | 6,822 |
| Net loans and leases to total assets | 14.3387% | 7,342 |
| Net loans and leases to deposits | 16.0454% | 7,354 |
| Net loans and leases to core deposits | 16.1724% | 7,346 |
| Total domestic deposits to total assets | 89.3631% | 1,217 |
| Equity capital to assets | 10.4994% | 3,706 |
| Core capital (leverage) ratio | 10.3596% | 3,022 |
| Tier 1 risk-based capital ratio | 33.9597% | 385 |
| Total risk-based capital ratio | 35.2238% | 374 |
| Memoranda: | ||
| Average total assets | $58,186,250 | 6,142 |
| Average earning assets | $52,919,500 | 6,132 |
| Average equity | $5,668,750 | 6,285 |
| Average total loans | $9,869,500 | 7,193 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7897% | 7,389 |
| Cost of funding earning assets | 0.5924% | 6,502 |
| Net interest margin | 2.1973% | 7,316 |
| Noninterest income to average assets | 0.8864% | 1,686 |
| Noninterest expense to average assets | 2.2725% | 6,190 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4259% | 4,831 |
| Return on assets (ROA) | 0.8864% | 2,809 |
| Pretax return on assets | 1.2868% | 2,176 |
| Return on Equity (ROE) | 9.3361% | 2,366 |
| Retained earnings to average equity (ytd only) | 8.4350% | 1,289 |
| Net charge-offs to loans | 0.1362% | 4,384 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 25.8571% | 1,030 |
| Efficiency ratio | 78.5799% | 2,615 |
| Assets per employee ($millions) | 3.6298% | 4,613 |
| Cash dividends to net income (ytd only)* | 9.6525% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1977% | 358 |
| Loan loss allowance to noncurrent loans | 39,400.0000% | 15 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 7,140 |
| Noncurrent loans to loans | 0.0107% | 6,980 |
| Net loans and leases to total assets | 15.4829% | 7,411 |
| Net loans and leases to deposits | 17.2701% | 7,423 |
| Net loans and leases to core deposits | 17.4044% | 7,420 |
| Total domestic deposits to total assets | 89.6517% | 1,151 |
| Equity capital to assets | 10.1245% | 3,983 |
| Core capital (leverage) ratio | 10.4732% | 2,740 |
| Tier 1 risk-based capital ratio | 32.7875% | 425 |
| Total risk-based capital ratio | 34.0484% | 415 |
| Memoranda: | ||
| Average total assets | $58,437,670 | 6,192 |
| Average earning assets | $53,339,330 | 6,168 |
| Average equity | $5,548,330 | 6,355 |
| Average total loans | $10,282,670 | 7,251 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5897% | 7,468 |
| Cost of funding earning assets | 0.6437% | 6,406 |
| Net interest margin | 1.9460% | 7,421 |
| Noninterest income to average assets | 0.7643% | 2,194 |
| Noninterest expense to average assets | 2.2792% | 6,245 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2047% | 5,771 |
| Return on assets (ROA) | 0.2047% | 5,833 |
| Pretax return on assets | 0.2593% | 5,781 |
| Return on Equity (ROE) | 2.2294% | 5,704 |
| Retained earnings to average equity (ytd only) | 2.2294% | 4,808 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7849% | 1,352 |
| Assets per employee ($millions) | 3.6521% | 4,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6866% | 530 |
| Loan loss allowance to noncurrent loans | 10,000.0000% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0068% | 7,182 |
| Noncurrent loans to loans | 0.0369% | 6,959 |
| Net loans and leases to total assets | 17.8837% | 7,453 |
| Net loans and leases to deposits | 19.7576% | 7,469 |
| Net loans and leases to core deposits | 19.9086% | 7,462 |
| Total domestic deposits to total assets | 90.5156% | 831 |
| Equity capital to assets | 9.3937% | 4,585 |
| Core capital (leverage) ratio | 9.6424% | 3,605 |
| Tier 1 risk-based capital ratio | 28.9825% | 574 |
| Total risk-based capital ratio | 30.2413% | 559 |
| Memoranda: | ||
| Average total assets | $58,618,000 | 6,237 |
| Average earning assets | $53,442,500 | 6,218 |
| Average equity | $5,382,500 | 6,426 |
| Average total loans | $10,731,000 | 7,291 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5102% | 7,381 |
| Cost of funding earning assets | 0.8124% | 6,510 |
| Net interest margin | 2.6978% | 7,123 |
| Noninterest income to average assets | 0.7449% | 2,567 |
| Noninterest expense to average assets | 2.4491% | 5,945 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4230% | 4,444 |
| Return on assets (ROA) | 0.9189% | 2,445 |
| Pretax return on assets | 1.4336% | 1,554 |
| Return on Equity (ROE) | 9.2694% | 2,189 |
| Retained earnings to average equity (ytd only) | 4.8385% | 2,518 |
| Net charge-offs to loans | 0.5092% | 3,580 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 7.2115% | 2,178 |
| Efficiency ratio | 78.8016% | 2,561 |
| Assets per employee ($millions) | 3.6752% | 4,516 |
| Cash dividends to net income (ytd only)* | 47.8011% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7693% | 484 |
| Loan loss allowance to noncurrent loans | 40,000.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 7,275 |
| Noncurrent loans to loans | 0.0094% | 7,137 |
| Net loans and leases to total assets | 17.3665% | 7,542 |
| Net loans and leases to deposits | 19.0936% | 7,565 |
| Net loans and leases to core deposits | 19.2374% | 7,555 |
| Total domestic deposits to total assets | 90.9545% | 618 |
| Equity capital to assets | 8.9723% | 5,186 |
| Core capital (leverage) ratio | 9.6101% | 3,539 |
| Tier 1 risk-based capital ratio | 29.1618% | 539 |
| Total risk-based capital ratio | 30.4198% | 528 |
| Memoranda: | ||
| Average total assets | $56,918,800 | 6,314 |
| Average earning assets | $49,855,000 | 6,373 |
| Average equity | $5,642,200 | 6,473 |
| Average total loans | $10,211,800 | 7,383 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8207% | 7,391 |
| Cost of funding earning assets | 0.8469% | 6,594 |
| Net interest margin | 2.9738% | 6,882 |
| Noninterest income to average assets | 0.7606% | 2,451 |
| Noninterest expense to average assets | 2.3974% | 6,045 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6343% | 3,726 |
| Return on assets (ROA) | 1.3322% | 1,353 |
| Pretax return on assets | 2.0006% | 618 |
| Return on Equity (ROE) | 13.1150% | 1,227 |
| Retained earnings to average equity (ytd only) | 7.3017% | 1,700 |
| Net charge-offs to loans | 0.7120% | 2,640 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 7.5183% | 2,312 |
| Efficiency ratio | 71.4286% | 3,814 |
| Assets per employee ($millions) | 3.6696% | 4,565 |
| Cash dividends to net income (ytd only)* | 44.3270% | 1,880 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0764% | 345 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 15.9913% | 7,656 |
| Net loans and leases to deposits | 17.7768% | 7,675 |
| Net loans and leases to core deposits | 18.0011% | 7,666 |
| Total domestic deposits to total assets | 89.9562% | 902 |
| Equity capital to assets | 9.9280% | 4,255 |
| Core capital (leverage) ratio | 9.9943% | 3,261 |
| Tier 1 risk-based capital ratio | 30.8439% | 481 |
| Total risk-based capital ratio | 32.1063% | 473 |
| Memoranda: | ||
| Average total assets | $56,447,750 | 6,403 |
| Average earning assets | $49,273,750 | 6,464 |
| Average equity | $5,733,750 | 6,531 |
| Average total loans | $10,111,750 | 7,489 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1216% | 7,260 |
| Cost of funding earning assets | 0.8706% | 6,692 |
| Net interest margin | 3.2510% | 6,167 |
| Noninterest income to average assets | 0.7685% | 2,289 |
| Noninterest expense to average assets | 2.4348% | 5,963 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7261% | 3,294 |
| Return on assets (ROA) | 0.9409% | 2,491 |
| Pretax return on assets | 1.4400% | 1,727 |
| Return on Equity (ROE) | 9.1898% | 2,392 |
| Retained earnings to average equity (ytd only) | 3.9284% | 3,585 |
| Net charge-offs to loans | 1.0568% | 1,777 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 5.7222% | 2,607 |
| Efficiency ratio | 68.6930% | 4,440 |
| Assets per employee ($millions) | 3.5590% | 4,781 |
| Cash dividends to net income (ytd only)* | 57.2519% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1228% | 332 |
| Loan loss allowance to noncurrent loans | 3,325.0000% | 121 |
| Noncurrent assets plus other real estate owned to assets | 0.0211% | 7,354 |
| Noncurrent loans to loans | 0.1240% | 7,019 |
| Net loans and leases to total assets | 16.2950% | 7,725 |
| Net loans and leases to deposits | 18.2812% | 7,740 |
| Net loans and leases to core deposits | 18.5202% | 7,732 |
| Total domestic deposits to total assets | 89.1349% | 1,360 |
| Equity capital to assets | 10.4050% | 3,522 |
| Core capital (leverage) ratio | 9.9354% | 3,239 |
| Tier 1 risk-based capital ratio | 31.2281% | 446 |
| Total risk-based capital ratio | 32.4912% | 441 |
| Memoranda: | ||
| Average total assets | $55,692,670 | 6,472 |
| Average earning assets | $47,554,000 | 6,570 |
| Average equity | $5,702,000 | 6,562 |
| Average total loans | $10,219,670 | 7,542 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 7,230 |
| Cost of funding earning assets | 0.9232% | 6,685 |
| Net interest margin | 3.3020% | 5,966 |
| Noninterest income to average assets | 0.8281% | 1,891 |
| Noninterest expense to average assets | 2.5206% | 5,655 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8208% | 2,878 |
| Return on assets (ROA) | 0.8208% | 2,971 |
| Pretax return on assets | 1.0097% | 3,054 |
| Return on Equity (ROE) | 8.0851% | 2,847 |
| Retained earnings to average equity (ytd only) | 2.7189% | 4,504 |
| Net charge-offs to loans | 2.0590% | 832 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 2.5741% | 3,251 |
| Efficiency ratio | 71.3992% | 4,046 |
| Assets per employee ($millions) | 3.4550% | 5,136 |
| Cash dividends to net income (ytd only)* | 66.3717% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8715% | 418 |
| Loan loss allowance to noncurrent loans | 5,700.0000% | 63 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 7,463 |
| Noncurrent loans to loans | 0.0679% | 7,223 |
| Net loans and leases to total assets | 17.9215% | 7,808 |
| Net loans and leases to deposits | 20.0437% | 7,833 |
| Net loans and leases to core deposits | 20.1928% | 7,824 |
| Total domestic deposits to total assets | 89.4121% | 1,289 |
| Equity capital to assets | 10.3329% | 3,433 |
| Core capital (leverage) ratio | 9.9420% | 3,239 |
| Tier 1 risk-based capital ratio | 38.0419% | 288 |
| Total risk-based capital ratio | 39.3130% | 277 |
| Memoranda: | ||
| Average total assets | $55,067,000 | 6,568 |
| Average earning assets | $45,063,000 | 6,740 |
| Average equity | $5,590,500 | 6,647 |
| Average total loans | $10,490,500 | 7,627 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 7,668 |
| Cost of funding earning assets | 0.9835% | 7,238 |
| Net interest margin | 3.0714% | 6,467 |
| Noninterest income to average assets | 0.8627% | 2,131 |
| Noninterest expense to average assets | 2.5688% | 5,899 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6737% | 3,040 |
| Return on assets (ROA) | 0.9856% | 1,938 |
| Pretax return on assets | 1.5025% | 1,181 |
| Return on Equity (ROE) | 9.1689% | 1,970 |
| Retained earnings to average equity (ytd only) | -0.0179% | 4,931 |
| Net charge-offs to loans | -0.0297% | 7,812 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3828% | 4,374 |
| Assets per employee ($millions) | 3.4284% | 5,185 |
| Cash dividends to net income (ytd only)* | 100.1949% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2342% | 307 |
| Loan loss allowance to noncurrent loans | 358.7302% | 917 |
| Noncurrent assets plus other real estate owned to assets | 0.2297% | 6,890 |
| Noncurrent loans to loans | 1.1803% | 4,971 |
| Net loans and leases to total assets | 18.6367% | 7,877 |
| Net loans and leases to deposits | 20.7245% | 7,905 |
| Net loans and leases to core deposits | 22.2670% | 7,911 |
| Total domestic deposits to total assets | 89.9260% | 1,001 |
| Equity capital to assets | 9.9701% | 3,802 |
| Core capital (leverage) ratio | 10.2457% | 2,829 |
| Tier 1 risk-based capital ratio | 37.0470% | 300 |
| Total risk-based capital ratio | 38.3201% | 293 |
| Memoranda: | ||
| Average total assets | $52,047,800 | 6,637 |
| Average earning assets | $46,363,600 | 6,672 |
| Average equity | $5,595,000 | 6,743 |
| Average total loans | $10,111,000 | 7,704 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 7,815 |
| Cost of funding earning assets | 0.9932% | 7,401 |
| Net interest margin | 2.9709% | 6,682 |
| Noninterest income to average assets | 0.8751% | 2,085 |
| Noninterest expense to average assets | 2.4902% | 6,101 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7132% | 3,160 |
| Return on assets (ROA) | 1.1347% | 1,694 |
| Pretax return on assets | 1.7112% | 950 |
| Return on Equity (ROE) | 10.3555% | 1,801 |
| Retained earnings to average equity (ytd only) | 3.2464% | 3,496 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8980% | 4,615 |
| Assets per employee ($millions) | 3.2281% | 5,578 |
| Cash dividends to net income (ytd only)* | 68.6501% | 1,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6159% | 191 |
| Loan loss allowance to noncurrent loans | 22,500.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 7,600 |
| Noncurrent loans to loans | 0.0205% | 7,474 |
| Net loans and leases to total assets | 18.0039% | 7,971 |
| Net loans and leases to deposits | 20.2915% | 7,992 |
| Net loans and leases to core deposits | 21.7150% | 7,994 |
| Total domestic deposits to total assets | 88.7260% | 1,328 |
| Equity capital to assets | 11.0629% | 2,959 |
| Core capital (leverage) ratio | 10.9484% | 2,446 |
| Tier 1 risk-based capital ratio | 40.7989% | 274 |
| Total risk-based capital ratio | 42.0725% | 267 |
| Memoranda: | ||
| Average total assets | $51,346,250 | 6,713 |
| Average earning assets | $46,450,000 | 6,715 |
| Average equity | $5,626,500 | 6,803 |
| Average total loans | $9,970,000 | 7,785 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 7,927 |
| Cost of funding earning assets | 1.0239% | 7,504 |
| Net interest margin | 2.9053% | 6,794 |
| Noninterest income to average assets | 0.9094% | 1,945 |
| Noninterest expense to average assets | 2.5095% | 6,088 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.6564% | 3,444 |
| Return on assets (ROA) | 1.2996% | 1,314 |
| Pretax return on assets | 1.9514% | 632 |
| Return on Equity (ROE) | 11.8985% | 1,446 |
| Retained earnings to average equity (ytd only) | 4.7523% | 2,661 |
| Net charge-offs to loans | -0.0199% | 7,696 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6834% | 4,475 |
| Assets per employee ($millions) | 3.1437% | 5,734 |
| Cash dividends to net income (ytd only)* | 60.0601% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8662% | 139 |
| Loan loss allowance to noncurrent loans | 22,550.0000% | 23 |
| Noncurrent assets plus other real estate owned to assets | 0.0040% | 7,648 |
| Noncurrent loans to loans | 0.0216% | 7,491 |
| Net loans and leases to total assets | 17.5292% | 8,059 |
| Net loans and leases to deposits | 19.6007% | 8,084 |
| Net loans and leases to core deposits | 20.7215% | 8,086 |
| Total domestic deposits to total assets | 89.4312% | 1,072 |
| Equity capital to assets | 10.4018% | 3,512 |
| Core capital (leverage) ratio | 10.7220% | 2,638 |
| Tier 1 risk-based capital ratio | 33.8868% | 453 |
| Total risk-based capital ratio | 34.7170% | 450 |
| Memoranda: | ||
| Average total assets | $51,245,000 | 6,779 |
| Average earning assets | $45,709,330 | 6,807 |
| Average equity | $5,597,330 | 6,863 |
| Average total loans | $10,043,670 | 7,859 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9444% | 7,065 |
| Cost of funding earning assets | 1.0741% | 7,553 |
| Net interest margin | 3.8703% | 3,189 |
| Noninterest income to average assets | 0.8662% | 2,006 |
| Noninterest expense to average assets | 2.3667% | 6,313 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4836% | 969 |
| Return on assets (ROA) | 2.9622% | 86 |
| Pretax return on assets | 3.7434% | 67 |
| Return on Equity (ROE) | 26.5052% | 158 |
| Retained earnings to average equity (ytd only) | 19.5848% | 175 |
| Net charge-offs to loans | -0.0767% | 7,814 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8394% | 6,992 |
| Assets per employee ($millions) | 3.2510% | 5,455 |
| Cash dividends to net income (ytd only)* | 26.1097% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4594% | 151 |
| Loan loss allowance to noncurrent loans | 22,600.0000% | 20 |
| Noncurrent assets plus other real estate owned to assets | 0.0038% | 7,647 |
| Noncurrent loans to loans | 0.0197% | 7,499 |
| Net loans and leases to total assets | 18.6173% | 8,099 |
| Net loans and leases to deposits | 21.0257% | 8,129 |
| Net loans and leases to core deposits | 22.2029% | 8,130 |
| Total domestic deposits to total assets | 88.5458% | 1,461 |
| Equity capital to assets | 11.2388% | 2,776 |
| Core capital (leverage) ratio | 11.0474% | 2,467 |
| Tier 1 risk-based capital ratio | 33.1518% | 488 |
| Total risk-based capital ratio | 34.4185% | 481 |
| Memoranda: | ||
| Average total assets | $51,718,000 | 6,796 |
| Average earning assets | $45,061,500 | 6,879 |
| Average equity | $5,780,000 | 6,847 |
| Average total loans | $10,431,500 | 7,885 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8644% | 7,918 |
| Cost of funding earning assets | 1.3271% | 7,818 |
| Net interest margin | 3.5373% | 5,160 |
| Noninterest income to average assets | 0.8428% | 2,280 |
| Noninterest expense to average assets | 2.5623% | 5,785 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9237% | 2,904 |
| Return on assets (ROA) | 1.1410% | 1,902 |
| Pretax return on assets | 1.7576% | 1,034 |
| Return on Equity (ROE) | 10.2085% | 2,185 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,238 |
| Net charge-offs to loans | 0.1659% | 4,544 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 47.4000% | 790 |
| Efficiency ratio | 64.2893% | 5,500 |
| Assets per employee ($millions) | 3.2138% | 5,444 |
| Cash dividends to net income (ytd only)* | 100.0000% | 979 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1857% | 162 |
| Loan loss allowance to noncurrent loans | 8,980.0000% | 73 |
| Noncurrent assets plus other real estate owned to assets | 0.0097% | 7,590 |
| Noncurrent loans to loans | 0.0466% | 7,322 |
| Net loans and leases to total assets | 19.9883% | 8,153 |
| Net loans and leases to deposits | 22.6084% | 8,181 |
| Net loans and leases to core deposits | 23.8868% | 8,187 |
| Total domestic deposits to total assets | 88.4111% | 1,285 |
| Equity capital to assets | 11.1124% | 2,955 |
| Core capital (leverage) ratio | 10.6122% | 2,892 |
| Tier 1 risk-based capital ratio | 31.5856% | 571 |
| Total risk-based capital ratio | 32.8548% | 558 |
| Memoranda: | ||
| Average total assets | $49,954,800 | 6,776 |
| Average earning assets | $44,384,000 | 6,841 |
| Average equity | $5,583,600 | 6,953 |
| Average total loans | $9,039,400 | 7,986 |