Home > First Community State Bank > Performance and Condition Ratios
First Community State Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 3,406 |
| Cost of funding earning assets | 0.4407% | 3,436 |
| Net interest margin | 3.6451% | 3,166 |
| Noninterest income to average assets | 0.4614% | 3,779 |
| Noninterest expense to average assets | 3.4801% | 1,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3076% | 5,540 |
| Return on assets (ROA) | 0.3076% | 5,610 |
| Pretax return on assets | 0.3252% | 5,736 |
| Return on Equity (ROE) | 3.6373% | 5,287 |
| Retained earnings to average equity (ytd only) | -5.5079% | 6,265 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4550% | 802 |
| Assets per employee ($millions) | 2.9957% | 5,756 |
| Cash dividends to net income (ytd only)* | 251.4286% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1371% | 4,727 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8145% | 3,524 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 79.9070% | 700 |
| Net loans and leases to deposits | 88.1153% | 1,581 |
| Net loans and leases to core deposits | 89.8866% | 2,138 |
| Total domestic deposits to total assets | 90.6845% | 512 |
| Equity capital to assets | 8.4476% | 5,845 |
| Core capital (leverage) ratio | 8.3670% | 5,780 |
| Tier 1 risk-based capital ratio | 9.9443% | 6,416 |
| Total risk-based capital ratio | 11.0286% | 6,431 |
| Memoranda: | ||
| Average total assets | $45,516,330 | 6,017 |
| Average earning assets | $41,754,330 | 6,008 |
| Average equity | $3,849,000 | 6,231 |
| Average total loans | $36,050,000 | 5,417 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1662% | 3,003 |
| Cost of funding earning assets | 0.4375% | 3,566 |
| Net interest margin | 3.7287% | 2,753 |
| Noninterest income to average assets | 0.4192% | 4,039 |
| Noninterest expense to average assets | 3.4231% | 1,642 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4017% | 5,107 |
| Return on assets (ROA) | 0.4017% | 5,176 |
| Pretax return on assets | 0.4192% | 5,389 |
| Return on Equity (ROE) | 4.7478% | 4,666 |
| Retained earnings to average equity (ytd only) | -4.9542% | 6,121 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0909% | 1,120 |
| Assets per employee ($millions) | 3.0319% | 5,810 |
| Cash dividends to net income (ytd only)* | 204.3478% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1734% | 4,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8048% | 3,727 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 76.4815% | 945 |
| Net loans and leases to deposits | 84.2061% | 1,802 |
| Net loans and leases to core deposits | 85.8712% | 2,334 |
| Total domestic deposits to total assets | 90.8265% | 632 |
| Equity capital to assets | 8.4742% | 5,679 |
| Core capital (leverage) ratio | 8.4578% | 5,694 |
| Tier 1 risk-based capital ratio | 10.4248% | 6,353 |
| Total risk-based capital ratio | 11.5431% | 6,349 |
| Memoranda: | ||
| Average total assets | $45,806,500 | 6,074 |
| Average earning assets | $42,052,500 | 6,054 |
| Average equity | $3,875,500 | 6,275 |
| Average total loans | $35,915,000 | 5,465 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9765% | 4,166 |
| Cost of funding earning assets | 0.4734% | 3,879 |
| Net interest margin | 3.5031% | 3,896 |
| Noninterest income to average assets | 0.5506% | 3,400 |
| Noninterest expense to average assets | 3.2521% | 2,274 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5009% | 4,734 |
| Return on assets (ROA) | 0.5009% | 4,866 |
| Pretax return on assets | 0.5049% | 5,194 |
| Return on Equity (ROE) | 6.2712% | 3,929 |
| Retained earnings to average equity (ytd only) | -5.5246% | 6,396 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5608% | 1,358 |
| Assets per employee ($millions) | 3.0756% | 5,718 |
| Cash dividends to net income (ytd only)* | 188.0952% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1274% | 5,012 |
| Loan loss allowance to noncurrent loans | 2,429.4118% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.8302% | 3,815 |
| Noncurrent loans to loans | 0.0464% | 6,097 |
| Net loans and leases to total assets | 78.5126% | 766 |
| Net loans and leases to deposits | 86.1974% | 1,656 |
| Net loans and leases to core deposits | 87.0530% | 2,343 |
| Total domestic deposits to total assets | 91.0847% | 541 |
| Equity capital to assets | 8.4471% | 5,639 |
| Core capital (leverage) ratio | 8.3821% | 5,802 |
| Tier 1 risk-based capital ratio | 10.2745% | 6,443 |
| Total risk-based capital ratio | 11.3645% | 6,446 |
| Memoranda: | ||
| Average total assets | $50,306,400 | 6,008 |
| Average earning assets | $46,045,400 | 5,991 |
| Average equity | $4,018,400 | 6,320 |
| Average total loans | $36,654,600 | 5,469 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9464% | 4,331 |
| Cost of funding earning assets | 0.5022% | 3,749 |
| Net interest margin | 3.4442% | 4,107 |
| Noninterest income to average assets | 0.6050% | 3,116 |
| Noninterest expense to average assets | 3.1574% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5842% | 4,417 |
| Return on assets (ROA) | 0.5842% | 4,544 |
| Pretax return on assets | 0.5998% | 5,007 |
| Return on Equity (ROE) | 7.4094% | 3,431 |
| Retained earnings to average equity (ytd only) | -5.4007% | 6,513 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0359% | 1,596 |
| Assets per employee ($millions) | 3.0707% | 5,733 |
| Cash dividends to net income (ytd only)* | 172.8891% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 5,196 |
| Loan loss allowance to noncurrent loans | 565.7534% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.9531% | 3,763 |
| Noncurrent loans to loans | 0.2001% | 5,737 |
| Net loans and leases to total assets | 78.3022% | 715 |
| Net loans and leases to deposits | 86.1298% | 1,599 |
| Net loans and leases to core deposits | 86.9878% | 2,282 |
| Total domestic deposits to total assets | 90.9119% | 573 |
| Equity capital to assets | 8.5823% | 5,646 |
| Core capital (leverage) ratio | 8.5127% | 5,755 |
| Tier 1 risk-based capital ratio | 10.4471% | 6,473 |
| Total risk-based capital ratio | 11.5392% | 6,480 |
| Memoranda: | ||
| Average total assets | $51,349,500 | 6,051 |
| Average earning assets | $46,995,500 | 6,031 |
| Average equity | $4,048,750 | 6,389 |
| Average total loans | $36,659,750 | 5,525 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7951% | 4,846 |
| Cost of funding earning assets | 0.5016% | 3,881 |
| Net interest margin | 3.2935% | 4,612 |
| Noninterest income to average assets | 0.6401% | 2,967 |
| Noninterest expense to average assets | 3.0614% | 2,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5799% | 4,405 |
| Return on assets (ROA) | 0.5799% | 4,579 |
| Pretax return on assets | 0.5950% | 5,032 |
| Return on Equity (ROE) | 7.5478% | 3,326 |
| Retained earnings to average equity (ytd only) | -5.5383% | 6,490 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7281% | 1,666 |
| Assets per employee ($millions) | 3.6404% | 4,535 |
| Cash dividends to net income (ytd only)* | 173.3766% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1409% | 5,276 |
| Loan loss allowance to noncurrent loans | 565.7534% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.8614% | 4,090 |
| Noncurrent loans to loans | 0.2017% | 5,807 |
| Net loans and leases to total assets | 70.2168% | 1,849 |
| Net loans and leases to deposits | 76.5853% | 2,786 |
| Net loans and leases to core deposits | 78.3235% | 3,247 |
| Total domestic deposits to total assets | 91.6845% | 318 |
| Equity capital to assets | 7.8524% | 6,295 |
| Core capital (leverage) ratio | 7.6161% | 6,409 |
| Tier 1 risk-based capital ratio | 10.5334% | 6,490 |
| Total risk-based capital ratio | 11.6201% | 6,519 |
| Memoranda: | ||
| Average total assets | $53,112,670 | 6,048 |
| Average earning assets | $48,642,000 | 6,028 |
| Average equity | $4,080,670 | 6,431 |
| Average total loans | $36,720,000 | 5,552 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7562% | 4,972 |
| Cost of funding earning assets | 0.4987% | 4,106 |
| Net interest margin | 3.2575% | 4,697 |
| Noninterest income to average assets | 0.6496% | 2,877 |
| Noninterest expense to average assets | 2.9971% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6275% | 4,090 |
| Return on assets (ROA) | 0.6275% | 4,244 |
| Pretax return on assets | 0.6422% | 4,798 |
| Return on Equity (ROE) | 8.2524% | 2,845 |
| Retained earnings to average equity (ytd only) | 1.0680% | 5,424 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3529% | 1,984 |
| Assets per employee ($millions) | 3.8649% | 4,220 |
| Cash dividends to net income (ytd only)* | 87.0588% | 787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1246% | 5,512 |
| Loan loss allowance to noncurrent loans | 125.9146% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.3362% | 3,288 |
| Noncurrent loans to loans | 0.8931% | 4,350 |
| Net loans and leases to total assets | 67.1090% | 2,169 |
| Net loans and leases to deposits | 72.9845% | 3,056 |
| Net loans and leases to core deposits | 74.9273% | 3,474 |
| Total domestic deposits to total assets | 91.9496% | 256 |
| Equity capital to assets | 7.6272% | 6,553 |
| Core capital (leverage) ratio | 7.6393% | 6,396 |
| Tier 1 risk-based capital ratio | 10.3498% | 6,619 |
| Total risk-based capital ratio | 11.3856% | 6,654 |
| Memoranda: | ||
| Average total assets | $54,186,500 | 6,070 |
| Average earning assets | $49,731,500 | 6,055 |
| Average equity | $4,120,000 | 6,484 |
| Average total loans | $36,980,500 | 5,577 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0593% | 5,108 |
| Cost of funding earning assets | 0.6666% | 3,773 |
| Net interest margin | 3.3926% | 4,912 |
| Noninterest income to average assets | 0.9559% | 1,681 |
| Noninterest expense to average assets | 3.3899% | 2,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6658% | 3,909 |
| Return on assets (ROA) | 0.6977% | 4,002 |
| Pretax return on assets | 0.7078% | 4,644 |
| Return on Equity (ROE) | 8.3863% | 2,922 |
| Retained earnings to average equity (ytd only) | -0.5090% | 5,940 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3829% | 1,699 |
| Assets per employee ($millions) | 3.3915% | 5,231 |
| Cash dividends to net income (ytd only)* | 106.0694% | 416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1091% | 5,521 |
| Loan loss allowance to noncurrent loans | 125.9146% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 1.3324% | 3,413 |
| Noncurrent loans to loans | 0.8809% | 4,416 |
| Net loans and leases to total assets | 67.8590% | 2,205 |
| Net loans and leases to deposits | 73.7197% | 3,144 |
| Net loans and leases to core deposits | 75.6710% | 3,581 |
| Total domestic deposits to total assets | 92.0500% | 240 |
| Equity capital to assets | 7.5796% | 6,605 |
| Core capital (leverage) ratio | 7.6157% | 6,439 |
| Tier 1 risk-based capital ratio | 10.3498% | 6,597 |
| Total risk-based capital ratio | 11.3883% | 6,631 |
| Memoranda: | ||
| Average total assets | $49,589,200 | 6,223 |
| Average earning assets | $45,451,400 | 6,191 |
| Average equity | $4,125,800 | 6,539 |
| Average total loans | $33,920,600 | 5,760 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1039% | 5,172 |
| Cost of funding earning assets | 0.7152% | 3,637 |
| Net interest margin | 3.3888% | 5,072 |
| Noninterest income to average assets | 0.9225% | 1,758 |
| Noninterest expense to average assets | 3.3621% | 2,101 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6526% | 4,130 |
| Return on assets (ROA) | 0.6966% | 4,181 |
| Pretax return on assets | 0.6966% | 4,876 |
| Return on Equity (ROE) | 8.1695% | 3,201 |
| Retained earnings to average equity (ytd only) | -1.2916% | 6,306 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7449% | 1,622 |
| Assets per employee ($millions) | 3.8362% | 4,220 |
| Cash dividends to net income (ytd only)* | 115.8129% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1704% | 5,428 |
| Loan loss allowance to noncurrent loans | 73.7500% | 4,078 |
| Noncurrent assets plus other real estate owned to assets | 1.8061% | 2,905 |
| Noncurrent loans to loans | 1.5869% | 3,407 |
| Net loans and leases to total assets | 64.9357% | 2,854 |
| Net loans and leases to deposits | 70.6072% | 3,814 |
| Net loans and leases to core deposits | 72.8794% | 4,141 |
| Total domestic deposits to total assets | 91.9675% | 213 |
| Equity capital to assets | 7.6377% | 6,733 |
| Core capital (leverage) ratio | 7.8093% | 6,461 |
| Tier 1 risk-based capital ratio | 10.8553% | 6,538 |
| Total risk-based capital ratio | 11.9520% | 6,588 |
| Memoranda: | ||
| Average total assets | $48,420,500 | 6,329 |
| Average earning assets | $44,184,250 | 6,305 |
| Average equity | $4,129,000 | 6,615 |
| Average total loans | $33,091,750 | 5,871 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2634% | 4,713 |
| Cost of funding earning assets | 0.7812% | 3,352 |
| Net interest margin | 3.4822% | 4,752 |
| Noninterest income to average assets | 0.9130% | 1,736 |
| Noninterest expense to average assets | 3.4206% | 1,981 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6473% | 4,124 |
| Return on assets (ROA) | 0.6473% | 4,376 |
| Pretax return on assets | 0.6644% | 4,928 |
| Return on Equity (ROE) | 7.2982% | 3,618 |
| Retained earnings to average equity (ytd only) | -3.2866% | 6,499 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7356% | 1,660 |
| Assets per employee ($millions) | 3.2881% | 5,474 |
| Cash dividends to net income (ytd only)* | 145.0331% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2780% | 4,995 |
| Loan loss allowance to noncurrent loans | 73.7500% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 2.1180% | 2,640 |
| Noncurrent loans to loans | 1.7328% | 3,303 |
| Net loans and leases to total assets | 69.3068% | 2,053 |
| Net loans and leases to deposits | 76.4296% | 2,924 |
| Net loans and leases to core deposits | 77.8868% | 3,533 |
| Total domestic deposits to total assets | 90.6806% | 574 |
| Equity capital to assets | 8.8719% | 5,840 |
| Core capital (leverage) ratio | 8.7939% | 5,224 |
| Tier 1 risk-based capital ratio | 11.7570% | 6,085 |
| Total risk-based capital ratio | 12.9533% | 6,091 |
| Memoranda: | ||
| Average total assets | $46,658,330 | 6,420 |
| Average earning assets | $42,501,330 | 6,396 |
| Average equity | $4,138,000 | 6,644 |
| Average total loans | $32,359,670 | 5,945 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 3,951 |
| Cost of funding earning assets | 0.8107% | 3,385 |
| Net interest margin | 3.6807% | 3,919 |
| Noninterest income to average assets | 0.9623% | 1,530 |
| Noninterest expense to average assets | 3.4575% | 1,852 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8516% | 3,151 |
| Return on assets (ROA) | 0.8516% | 3,388 |
| Pretax return on assets | 0.8686% | 4,160 |
| Return on Equity (ROE) | 9.6038% | 2,559 |
| Retained earnings to average equity (ytd only) | 2.4970% | 5,010 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9213% | 2,219 |
| Assets per employee ($millions) | 2.9689% | 6,216 |
| Cash dividends to net income (ytd only)* | 74.0000% | 905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 5,042 |
| Loan loss allowance to noncurrent loans | 73.7500% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 2,819 |
| Noncurrent loans to loans | 1.7577% | 3,476 |
| Net loans and leases to total assets | 66.2014% | 2,433 |
| Net loans and leases to deposits | 72.9375% | 3,278 |
| Net loans and leases to core deposits | 74.2813% | 3,868 |
| Total domestic deposits to total assets | 90.7646% | 656 |
| Equity capital to assets | 8.7954% | 5,754 |
| Core capital (leverage) ratio | 8.7584% | 5,188 |
| Tier 1 risk-based capital ratio | 12.1750% | 5,847 |
| Total risk-based capital ratio | 13.3855% | 5,853 |
| Memoranda: | ||
| Average total assets | $46,971,000 | 6,461 |
| Average earning assets | $42,926,500 | 6,430 |
| Average equity | $4,165,000 | 6,676 |
| Average total loans | $32,381,000 | 5,980 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 4,868 |
| Cost of funding earning assets | 0.9076% | 4,067 |
| Net interest margin | 3.6454% | 4,542 |
| Noninterest income to average assets | 0.3757% | 4,822 |
| Noninterest expense to average assets | 3.2855% | 2,569 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4477% | 4,659 |
| Return on assets (ROA) | 0.4477% | 4,863 |
| Pretax return on assets | 0.4438% | 5,153 |
| Return on Equity (ROE) | 5.4924% | 4,136 |
| Retained earnings to average equity (ytd only) | -3.6059% | 6,334 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1002% | 1,355 |
| Assets per employee ($millions) | 2.9025% | 6,284 |
| Cash dividends to net income (ytd only)* | 165.6522% | 118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2552% | 5,136 |
| Loan loss allowance to noncurrent loans | 73.7500% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 2.0995% | 2,845 |
| Noncurrent loans to loans | 1.7020% | 3,610 |
| Net loans and leases to total assets | 69.9591% | 2,037 |
| Net loans and leases to deposits | 77.1967% | 2,970 |
| Net loans and leases to core deposits | 79.1334% | 3,562 |
| Total domestic deposits to total assets | 90.6245% | 655 |
| Equity capital to assets | 8.9406% | 5,622 |
| Core capital (leverage) ratio | 10.1615% | 3,152 |
| Tier 1 risk-based capital ratio | 11.6134% | 6,080 |
| Total risk-based capital ratio | 12.7754% | 6,133 |
| Memoranda: | ||
| Average total assets | $51,376,800 | 6,324 |
| Average earning assets | $47,265,000 | 6,281 |
| Average equity | $4,187,600 | 6,705 |
| Average total loans | $32,553,600 | 6,039 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2116% | 6,178 |
| Cost of funding earning assets | 0.8915% | 4,459 |
| Net interest margin | 3.3201% | 5,807 |
| Noninterest income to average assets | 0.5271% | 3,676 |
| Noninterest expense to average assets | 3.1628% | 2,953 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4232% | 4,890 |
| Return on assets (ROA) | 0.4232% | 5,080 |
| Pretax return on assets | 0.4131% | 5,426 |
| Return on Equity (ROE) | 5.3059% | 4,395 |
| Retained earnings to average equity (ytd only) | -4.3210% | 6,539 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4479% | 1,301 |
| Assets per employee ($millions) | 3.1483% | 5,789 |
| Cash dividends to net income (ytd only)* | 181.4381% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3084% | 4,976 |
| Loan loss allowance to noncurrent loans | 70.8405% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 2.1133% | 3,014 |
| Noncurrent loans to loans | 1.8469% | 3,571 |
| Net loans and leases to total assets | 65.9686% | 2,908 |
| Net loans and leases to deposits | 72.6346% | 3,864 |
| Net loans and leases to core deposits | 73.9765% | 4,446 |
| Total domestic deposits to total assets | 90.8225% | 502 |
| Equity capital to assets | 8.8239% | 5,953 |
| Core capital (leverage) ratio | 9.0172% | 4,899 |
| Tier 1 risk-based capital ratio | 11.8868% | 5,970 |
| Total risk-based capital ratio | 13.0729% | 6,005 |
| Memoranda: | ||
| Average total assets | $52,611,000 | 6,331 |
| Average earning assets | $48,310,000 | 6,303 |
| Average equity | $4,196,500 | 6,745 |
| Average total loans | $32,466,500 | 6,105 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0968% | 6,498 |
| Cost of funding earning assets | 0.8953% | 4,708 |
| Net interest margin | 3.2015% | 6,158 |
| Noninterest income to average assets | 0.4669% | 4,139 |
| Noninterest expense to average assets | 3.0879% | 3,299 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3455% | 5,191 |
| Return on assets (ROA) | 0.3455% | 5,327 |
| Pretax return on assets | 0.3235% | 5,616 |
| Return on Equity (ROE) | 4.4695% | 4,714 |
| Retained earnings to average equity (ytd only) | -6.4189% | 6,681 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5172% | 1,206 |
| Assets per employee ($millions) | 4.1383% | 3,472 |
| Cash dividends to net income (ytd only)* | 243.6170% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2840% | 5,133 |
| Loan loss allowance to noncurrent loans | 67.3736% | 4,072 |
| Noncurrent assets plus other real estate owned to assets | 1.9109% | 3,360 |
| Noncurrent loans to loans | 1.9059% | 3,601 |
| Net loans and leases to total assets | 59.0189% | 4,465 |
| Net loans and leases to deposits | 64.1577% | 5,252 |
| Net loans and leases to core deposits | 65.3084% | 5,580 |
| Total domestic deposits to total assets | 91.9904% | 234 |
| Equity capital to assets | 7.7345% | 6,843 |
| Core capital (leverage) ratio | 8.2008% | 6,028 |
| Tier 1 risk-based capital ratio | 11.5147% | 6,159 |
| Total risk-based capital ratio | 12.6634% | 6,225 |
| Memoranda: | ||
| Average total assets | $54,406,670 | 6,317 |
| Average earning assets | $50,039,330 | 6,293 |
| Average equity | $4,206,330 | 6,780 |
| Average total loans | $32,766,670 | 6,150 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9971% | 6,705 |
| Cost of funding earning assets | 0.9157% | 4,812 |
| Net interest margin | 3.0814% | 6,396 |
| Noninterest income to average assets | 0.4752% | 4,082 |
| Noninterest expense to average assets | 2.9171% | 3,991 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3729% | 5,058 |
| Return on assets (ROA) | 0.3729% | 5,144 |
| Pretax return on assets | 0.3875% | 5,379 |
| Return on Equity (ROE) | 4.8238% | 4,492 |
| Retained earnings to average equity (ytd only) | -9.8368% | 6,864 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2743% | 1,480 |
| Assets per employee ($millions) | 4.2085% | 3,450 |
| Cash dividends to net income (ytd only)* | 303.9216% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2642% | 5,322 |
| Loan loss allowance to noncurrent loans | 66.9368% | 4,065 |
| Noncurrent assets plus other real estate owned to assets | 1.9411% | 3,381 |
| Noncurrent loans to loans | 1.8886% | 3,712 |
| Net loans and leases to total assets | 58.9571% | 4,468 |
| Net loans and leases to deposits | 64.0585% | 5,246 |
| Net loans and leases to core deposits | 65.1847% | 5,605 |
| Total domestic deposits to total assets | 92.0363% | 274 |
| Equity capital to assets | 7.6383% | 6,793 |
| Core capital (leverage) ratio | 8.5745% | 5,302 |
| Tier 1 risk-based capital ratio | 11.5266% | 6,083 |
| Total risk-based capital ratio | 12.6679% | 6,154 |
| Memoranda: | ||
| Average total assets | $54,711,000 | 6,355 |
| Average earning assets | $50,236,500 | 6,338 |
| Average equity | $4,229,000 | 6,798 |
| Average total loans | $33,068,000 | 6,181 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5570% | 6,228 |
| Cost of funding earning assets | 1.3077% | 3,831 |
| Net interest margin | 3.2493% | 6,134 |
| Noninterest income to average assets | 0.6735% | 3,000 |
| Noninterest expense to average assets | 3.1591% | 3,240 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4650% | 4,246 |
| Return on assets (ROA) | 0.4650% | 4,414 |
| Pretax return on assets | 0.4956% | 4,633 |
| Return on Equity (ROE) | 5.5877% | 3,801 |
| Retained earnings to average equity (ytd only) | -3.1733% | 6,112 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4398% | 1,647 |
| Assets per employee ($millions) | 3.4194% | 5,126 |
| Cash dividends to net income (ytd only)* | 156.7901% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 5,351 |
| Loan loss allowance to noncurrent loans | 66.7205% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.9448% | 3,418 |
| Noncurrent loans to loans | 1.8496% | 3,755 |
| Net loans and leases to total assets | 60.4156% | 4,601 |
| Net loans and leases to deposits | 65.7935% | 5,431 |
| Net loans and leases to core deposits | 66.9502% | 5,781 |
| Total domestic deposits to total assets | 91.8261% | 317 |
| Equity capital to assets | 7.8211% | 6,659 |
| Core capital (leverage) ratio | 9.0262% | 4,497 |
| Tier 1 risk-based capital ratio | 11.2178% | 6,168 |
| Total risk-based capital ratio | 12.3016% | 6,264 |
| Memoranda: | ||
| Average total assets | $52,261,200 | 6,453 |
| Average earning assets | $47,948,400 | 6,434 |
| Average equity | $4,348,800 | 6,871 |
| Average total loans | $37,528,200 | 6,035 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7078% | 5,988 |
| Cost of funding earning assets | 1.3904% | 3,631 |
| Net interest margin | 3.3174% | 5,957 |
| Noninterest income to average assets | 0.7460% | 2,538 |
| Noninterest expense to average assets | 3.1107% | 3,293 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6505% | 3,642 |
| Return on assets (ROA) | 0.6505% | 3,809 |
| Pretax return on assets | 0.6841% | 4,288 |
| Return on Equity (ROE) | 7.6952% | 3,025 |
| Retained earnings to average equity (ytd only) | -1.6795% | 6,130 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9728% | 2,063 |
| Assets per employee ($millions) | 3.4068% | 5,190 |
| Cash dividends to net income (ytd only)* | 121.8251% | 206 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2119% | 5,432 |
| Loan loss allowance to noncurrent loans | 66.6129% | 3,984 |
| Noncurrent assets plus other real estate owned to assets | 1.9868% | 3,483 |
| Noncurrent loans to loans | 1.8193% | 3,916 |
| Net loans and leases to total assets | 61.7623% | 4,582 |
| Net loans and leases to deposits | 67.4115% | 5,500 |
| Net loans and leases to core deposits | 68.9538% | 5,847 |
| Total domestic deposits to total assets | 91.6197% | 274 |
| Equity capital to assets | 8.0225% | 6,787 |
| Core capital (leverage) ratio | 9.1722% | 4,420 |
| Tier 1 risk-based capital ratio | 11.0781% | 6,308 |
| Total risk-based capital ratio | 12.1279% | 6,461 |
| Memoranda: | ||
| Average total assets | $51,648,750 | 6,552 |
| Average earning assets | $47,466,250 | 6,532 |
| Average equity | $4,366,250 | 6,956 |
| Average total loans | $38,543,500 | 6,069 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 5,054 |
| Cost of funding earning assets | 1.4578% | 3,513 |
| Net interest margin | 3.5175% | 5,177 |
| Noninterest income to average assets | 0.5405% | 3,788 |
| Noninterest expense to average assets | 3.1048% | 3,292 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6233% | 3,764 |
| Return on assets (ROA) | 0.6233% | 3,902 |
| Pretax return on assets | 0.6628% | 4,360 |
| Return on Equity (ROE) | 7.2411% | 3,200 |
| Retained earnings to average equity (ytd only) | -5.3162% | 6,591 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4084% | 2,108 |
| Assets per employee ($millions) | 3.0832% | 5,969 |
| Cash dividends to net income (ytd only)* | 173.4177% | 143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0881% | 6,000 |
| Loan loss allowance to noncurrent loans | 53.2903% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 2.5055% | 2,878 |
| Noncurrent loans to loans | 2.0419% | 3,662 |
| Net loans and leases to total assets | 76.1022% | 1,479 |
| Net loans and leases to deposits | 83.7020% | 2,930 |
| Net loans and leases to core deposits | 85.3499% | 3,927 |
| Total domestic deposits to total assets | 90.9205% | 521 |
| Equity capital to assets | 8.7430% | 5,820 |
| Core capital (leverage) ratio | 8.7955% | 4,921 |
| Tier 1 risk-based capital ratio | 10.3470% | 6,799 |
| Total risk-based capital ratio | 11.3506% | 6,943 |
| Memoranda: | ||
| Average total assets | $50,695,330 | 6,627 |
| Average earning assets | $46,510,000 | 6,609 |
| Average equity | $4,364,000 | 6,987 |
| Average total loans | $40,031,670 | 6,048 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1324% | 4,382 |
| Cost of funding earning assets | 1.4567% | 3,824 |
| Net interest margin | 3.6757% | 4,368 |
| Noninterest income to average assets | 0.5683% | 3,501 |
| Noninterest expense to average assets | 3.0908% | 3,307 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8019% | 2,952 |
| Return on assets (ROA) | 0.8019% | 3,055 |
| Pretax return on assets | 0.8564% | 3,639 |
| Return on Equity (ROE) | 9.3860% | 2,342 |
| Retained earnings to average equity (ytd only) | -7.5635% | 6,795 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3037% | 2,851 |
| Assets per employee ($millions) | 3.2723% | 5,605 |
| Cash dividends to net income (ytd only)* | 180.5825% | 238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0290% | 6,326 |
| Loan loss allowance to noncurrent loans | 3,754.5455% | 100 |
| Noncurrent assets plus other real estate owned to assets | 0.9015% | 5,357 |
| Noncurrent loans to loans | 0.0274% | 7,345 |
| Net loans and leases to total assets | 75.8733% | 1,572 |
| Net loans and leases to deposits | 88.9757% | 2,068 |
| Net loans and leases to core deposits | 89.4788% | 3,433 |
| Total domestic deposits to total assets | 85.2742% | 3,523 |
| Equity capital to assets | 8.3007% | 6,299 |
| Core capital (leverage) ratio | 8.7795% | 4,888 |
| Tier 1 risk-based capital ratio | 9.7046% | 7,209 |
| Total risk-based capital ratio | 10.6316% | 7,360 |
| Memoranda: | ||
| Average total assets | $51,377,500 | 6,685 |
| Average earning assets | $47,229,500 | 6,657 |
| Average equity | $4,389,500 | 7,040 |
| Average total loans | $41,070,000 | 6,069 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3473% | 4,949 |
| Cost of funding earning assets | 1.7369% | 4,326 |
| Net interest margin | 3.6104% | 4,518 |
| Noninterest income to average assets | 0.9354% | 1,807 |
| Noninterest expense to average assets | 3.2982% | 3,014 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.9412% | 2,043 |
| Return on assets (ROA) | 0.9412% | 2,099 |
| Pretax return on assets | 0.9412% | 2,787 |
| Return on Equity (ROE) | 10.8642% | 1,463 |
| Retained earnings to average equity (ytd only) | -0.9918% | 5,255 |
| Net charge-offs to loans | 0.0023% | 7,219 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 482.0000% | 54 |
| Efficiency ratio | 77.7982% | 3,228 |
| Assets per employee ($millions) | 3.3599% | 5,340 |
| Cash dividends to net income (ytd only)* | 109.1286% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9833% | 6,472 |
| Loan loss allowance to noncurrent loans | 3,176.9231% | 132 |
| Noncurrent assets plus other real estate owned to assets | 0.9643% | 5,177 |
| Noncurrent loans to loans | 0.0310% | 7,354 |
| Net loans and leases to total assets | 82.5211% | 607 |
| Net loans and leases to deposits | 97.6199% | 1,144 |
| Net loans and leases to core deposits | 118.2514% | 2,101 |
| Total domestic deposits to total assets | 84.5331% | 3,781 |
| Equity capital to assets | 8.7960% | 5,447 |
| Core capital (leverage) ratio | 8.9872% | 4,443 |
| Tier 1 risk-based capital ratio | 9.7121% | 7,089 |
| Total risk-based capital ratio | 10.6296% | 7,274 |
| Memoranda: | ||
| Average total assets | $51,209,600 | 6,659 |
| Average earning assets | $46,865,000 | 6,642 |
| Average equity | $4,436,600 | 7,134 |
| Average total loans | $42,833,200 | 5,986 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3288% | 5,287 |
| Cost of funding earning assets | 1.7924% | 4,416 |
| Net interest margin | 3.5364% | 4,715 |
| Noninterest income to average assets | 1.0529% | 1,437 |
| Noninterest expense to average assets | 3.2261% | 3,209 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0503% | 1,900 |
| Return on assets (ROA) | 1.0503% | 1,965 |
| Pretax return on assets | 1.0503% | 2,736 |
| Return on Equity (ROE) | 12.1688% | 1,315 |
| Retained earnings to average equity (ytd only) | -0.9314% | 5,472 |
| Net charge-offs to loans | 0.0031% | 6,946 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 406.0075% | 89 |
| Efficiency ratio | 75.4397% | 3,598 |
| Assets per employee ($millions) | 2.9146% | 6,367 |
| Cash dividends to net income (ytd only)* | 107.6538% | 485 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9527% | 6,525 |
| Loan loss allowance to noncurrent loans | 2,950.0000% | 131 |
| Noncurrent assets plus other real estate owned to assets | 1.0051% | 5,066 |
| Noncurrent loans to loans | 0.0323% | 7,432 |
| Net loans and leases to total assets | 86.6536% | 299 |
| Net loans and leases to deposits | 102.9640% | 851 |
| Net loans and leases to core deposits | 122.6287% | 2,023 |
| Total domestic deposits to total assets | 84.1591% | 3,651 |
| Equity capital to assets | 8.9810% | 5,510 |
| Core capital (leverage) ratio | 9.1514% | 4,416 |
| Tier 1 risk-based capital ratio | 9.4740% | 7,395 |
| Total risk-based capital ratio | 10.3654% | 7,585 |
| Memoranda: | ||
| Average total assets | $51,412,500 | 6,709 |
| Average earning assets | $46,864,000 | 6,696 |
| Average equity | $4,437,500 | 7,206 |
| Average total loans | $43,041,000 | 6,022 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7126% | 3,465 |
| Cost of funding earning assets | 1.8873% | 4,331 |
| Net interest margin | 3.8253% | 3,437 |
| Noninterest income to average assets | 0.8610% | 2,144 |
| Noninterest expense to average assets | 3.1134% | 3,649 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2223% | 1,420 |
| Return on assets (ROA) | 1.2223% | 1,494 |
| Pretax return on assets | 1.2223% | 2,236 |
| Return on Equity (ROE) | 14.3459% | 933 |
| Retained earnings to average equity (ytd only) | -1.1729% | 5,526 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8085% | 4,451 |
| Assets per employee ($millions) | 2.9968% | 6,137 |
| Cash dividends to net income (ytd only)* | 108.1761% | 623 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 6,190 |
| Loan loss allowance to noncurrent loans | 537.6623% | 610 |
| Noncurrent assets plus other real estate owned to assets | 1.8333% | 3,423 |
| Noncurrent loans to loans | 0.1872% | 7,050 |
| Net loans and leases to total assets | 79.9317% | 1,324 |
| Net loans and leases to deposits | 87.9563% | 3,183 |
| Net loans and leases to core deposits | 96.2672% | 4,875 |
| Total domestic deposits to total assets | 90.8766% | 500 |
| Equity capital to assets | 8.7504% | 5,684 |
| Core capital (leverage) ratio | 8.7549% | 4,996 |
| Tier 1 risk-based capital ratio | 9.6781% | 7,250 |
| Total risk-based capital ratio | 10.5896% | 7,502 |
| Memoranda: | ||
| Average total assets | $52,033,670 | 6,743 |
| Average earning assets | $47,264,000 | 6,739 |
| Average equity | $4,433,330 | 7,263 |
| Average total loans | $42,938,330 | 6,070 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2481% | 6,121 |
| Cost of funding earning assets | 1.9817% | 4,228 |
| Net interest margin | 3.2664% | 5,632 |
| Noninterest income to average assets | 1.4455% | 673 |
| Noninterest expense to average assets | 2.9442% | 3,995 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4607% | 1,015 |
| Return on assets (ROA) | 1.4607% | 1,091 |
| Pretax return on assets | 1.4607% | 1,780 |
| Return on Equity (ROE) | 17.3716% | 651 |
| Retained earnings to average equity (ytd only) | -10.6763% | 7,173 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8394% | 5,171 |
| Assets per employee ($millions) | 3.2889% | 5,345 |
| Cash dividends to net income (ytd only)* | 161.4583% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9516% | 6,482 |
| Loan loss allowance to noncurrent loans | 91.1894% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 1.7787% | 3,253 |
| Noncurrent loans to loans | 1.0436% | 4,900 |
| Net loans and leases to total assets | 81.8878% | 1,034 |
| Net loans and leases to deposits | 89.6142% | 2,991 |
| Net loans and leases to core deposits | 98.9983% | 4,642 |
| Total domestic deposits to total assets | 91.3781% | 304 |
| Equity capital to assets | 8.2988% | 6,396 |
| Core capital (leverage) ratio | 8.4374% | 5,649 |
| Tier 1 risk-based capital ratio | 9.1397% | 7,712 |
| Total risk-based capital ratio | 10.0215% | 7,949 |
| Memoranda: | ||
| Average total assets | $52,577,500 | 6,754 |
| Average earning assets | $47,636,500 | 6,761 |
| Average equity | $4,421,000 | 7,311 |
| Average total loans | $43,839,500 | 6,065 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2255% | 4,386 |
| Cost of funding earning assets | 2.7362% | 2,989 |
| Net interest margin | 3.4894% | 5,331 |
| Noninterest income to average assets | 0.6005% | 3,842 |
| Noninterest expense to average assets | 3.1693% | 3,451 |
| Loan and lease loss provision to assets | -0.1481% | 8,265 |
| Net operating income to assets | 0.7897% | 3,480 |
| Return on assets (ROA) | 0.8391% | 3,110 |
| Pretax return on assets | 0.8206% | 3,991 |
| Return on Equity (ROE) | 9.6399% | 2,382 |
| Retained earnings to average equity (ytd only) | 6.3321% | 1,385 |
| Net charge-offs to loans | -0.6832% | 8,227 |
| Credit loss provision to net charge-offs | 26.0870% | 6,552 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5683% | 2,108 |
| Assets per employee ($millions) | 3.5022% | 4,652 |
| Cash dividends to net income (ytd only)* | 34.3137% | 3,924 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9372% | 6,466 |
| Loan loss allowance to noncurrent loans | 105.0761% | 3,307 |
| Noncurrent assets plus other real estate owned to assets | 1.6580% | 2,929 |
| Noncurrent loans to loans | 0.8919% | 4,837 |
| Net loans and leases to total assets | 83.3000% | 994 |
| Net loans and leases to deposits | 91.3646% | 3,237 |
| Net loans and leases to core deposits | 100.9761% | 4,727 |
| Total domestic deposits to total assets | 91.1732% | 279 |
| Equity capital to assets | 8.5185% | 6,056 |
| Core capital (leverage) ratio | 8.7406% | 5,128 |
| Tier 1 risk-based capital ratio | 9.3120% | 7,510 |
| Total risk-based capital ratio | 10.1783% | 7,846 |
| Memoranda: | ||
| Average total assets | $48,623,400 | 6,837 |
| Average earning assets | $44,478,000 | 6,837 |
| Average equity | $4,232,400 | 7,420 |
| Average total loans | $40,401,000 | 6,151 |