Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1484% | 2,680 |
| Cost of funding earning assets | 0.7006% | 890 |
| Net interest margin | 3.4479% | 3,599 |
| Noninterest income to average assets | 0.1695% | 5,204 |
| Noninterest expense to average assets | 2.4684% | 3,856 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9256% | 2,779 |
| Return on assets (ROA) | 0.9256% | 2,832 |
| Pretax return on assets | 0.9734% | 3,673 |
| Return on Equity (ROE) | 9.4576% | 2,294 |
| Retained earnings to average equity (ytd only) | -1.4209% | 5,280 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7172% | 2,395 |
| Assets per employee ($millions) | 5.2219% | 2,135 |
| Cash dividends to net income (ytd only)* | 115.0235% | 327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2893% | 2,468 |
| Loan loss allowance to noncurrent loans | 74.2424% | 4,084 |
| Noncurrent assets plus other real estate owned to assets | 1.6214% | 909 |
| Noncurrent loans to loans | 1.7367% | 1,044 |
| Net loans and leases to total assets | 79.8221% | 983 |
| Net loans and leases to deposits | 107.4038% | 340 |
| Net loans and leases to core deposits | 107.4038% | 1,135 |
| Total domestic deposits to total assets | 74.3196% | 5,265 |
| Equity capital to assets | 9.5942% | 4,318 |
| Core capital (leverage) ratio | 9.4198% | 4,214 |
| Tier 1 risk-based capital ratio | 11.5466% | 4,926 |
| Total risk-based capital ratio | 12.7972% | 4,818 |
| Memoranda: | ||
| Average total assets | $46,022,330 | 5,326 |
| Average earning assets | $43,679,330 | 5,293 |
| Average equity | $4,504,330 | 5,442 |
| Average total loans | $37,531,670 | 4,887 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0641% | 2,789 |
| Cost of funding earning assets | 0.6927% | 870 |
| Net interest margin | 3.3713% | 3,756 |
| Noninterest income to average assets | 0.1845% | 5,173 |
| Noninterest expense to average assets | 2.5475% | 3,666 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8082% | 3,190 |
| Return on assets (ROA) | 0.8082% | 3,247 |
| Pretax return on assets | 0.8433% | 3,961 |
| Return on Equity (ROE) | 8.1741% | 2,826 |
| Retained earnings to average equity (ytd only) | -6.9303% | 5,487 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1295% | 2,046 |
| Assets per employee ($millions) | 5.6131% | 1,797 |
| Cash dividends to net income (ytd only)* | 184.7826% | 271 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 2,472 |
| Loan loss allowance to noncurrent loans | 74.1301% | 4,116 |
| Noncurrent assets plus other real estate owned to assets | 1.7014% | 870 |
| Noncurrent loans to loans | 1.7711% | 1,068 |
| Net loans and leases to total assets | 82.0198% | 566 |
| Net loans and leases to deposits | 102.6305% | 468 |
| Net loans and leases to core deposits | 102.6305% | 1,323 |
| Total domestic deposits to total assets | 79.9176% | 4,633 |
| Equity capital to assets | 9.9388% | 3,830 |
| Core capital (leverage) ratio | 9.1779% | 4,514 |
| Tier 1 risk-based capital ratio | 12.0073% | 4,715 |
| Total risk-based capital ratio | 13.2587% | 4,609 |
| Memoranda: | ||
| Average total assets | $45,535,000 | 5,394 |
| Average earning assets | $43,306,500 | 5,363 |
| Average equity | $4,502,000 | 5,497 |
| Average total loans | $37,295,500 | 4,936 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1703% | 2,585 |
| Cost of funding earning assets | 0.8141% | 463 |
| Net interest margin | 3.3563% | 3,977 |
| Noninterest income to average assets | 0.1848% | 5,290 |
| Noninterest expense to average assets | 2.5722% | 3,768 |
| Loan and lease loss provision to assets | -0.1650% | 5,751 |
| Net operating income to assets | 0.9043% | 2,799 |
| Return on assets (ROA) | 0.9043% | 2,911 |
| Pretax return on assets | 0.9527% | 3,647 |
| Return on Equity (ROE) | 9.1680% | 2,334 |
| Retained earnings to average equity (ytd only) | 1.9184% | 4,443 |
| Net charge-offs to loans | 0.0027% | 4,171 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,477 |
| Earnings coverage of net charge-offs (x) | 358.0000% | 225 |
| Efficiency ratio | 76.5553% | 1,911 |
| Assets per employee ($millions) | 5.1294% | 2,252 |
| Cash dividends to net income (ytd only)* | 79.0754% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3147% | 2,463 |
| Loan loss allowance to noncurrent loans | 66.0377% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.8304% | 795 |
| Noncurrent loans to loans | 1.9909% | 906 |
| Net loans and leases to total assets | 79.6707% | 941 |
| Net loans and leases to deposits | 100.1116% | 664 |
| Net loans and leases to core deposits | 100.1116% | 1,614 |
| Total domestic deposits to total assets | 79.5819% | 4,665 |
| Equity capital to assets | 9.8365% | 3,899 |
| Core capital (leverage) ratio | 9.5042% | 4,076 |
| Tier 1 risk-based capital ratio | 11.8280% | 4,835 |
| Total risk-based capital ratio | 13.0772% | 4,740 |
| Memoranda: | ||
| Average total assets | $45,448,200 | 5,431 |
| Average earning assets | $42,994,200 | 5,399 |
| Average equity | $4,483,000 | 5,558 |
| Average total loans | $36,923,800 | 4,987 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1962% | 2,529 |
| Cost of funding earning assets | 0.8343% | 419 |
| Net interest margin | 3.3619% | 3,987 |
| Noninterest income to average assets | 0.1856% | 5,349 |
| Noninterest expense to average assets | 2.5153% | 3,941 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8129% | 3,306 |
| Return on assets (ROA) | 0.8129% | 3,444 |
| Pretax return on assets | 0.8512% | 4,151 |
| Return on Equity (ROE) | 8.2352% | 2,884 |
| Retained earnings to average equity (ytd only) | 0.7759% | 5,156 |
| Net charge-offs to loans | 0.0036% | 3,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 289.7143% | 283 |
| Efficiency ratio | 74.7157% | 2,156 |
| Assets per employee ($millions) | 4.9062% | 2,484 |
| Cash dividends to net income (ytd only)* | 90.5813% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5515% | 1,606 |
| Loan loss allowance to noncurrent loans | 75.8389% | 4,134 |
| Noncurrent assets plus other real estate owned to assets | 1.9227% | 827 |
| Noncurrent loans to loans | 2.0458% | 952 |
| Net loans and leases to total assets | 81.1917% | 731 |
| Net loans and leases to deposits | 103.2218% | 492 |
| Net loans and leases to core deposits | 103.2218% | 1,399 |
| Total domestic deposits to total assets | 78.6575% | 4,796 |
| Equity capital to assets | 10.1481% | 3,983 |
| Core capital (leverage) ratio | 9.6222% | 4,031 |
| Tier 1 risk-based capital ratio | 11.6692% | 4,999 |
| Total risk-based capital ratio | 12.9220% | 4,898 |
| Memoranda: | ||
| Average total assets | $45,269,000 | 5,487 |
| Average earning assets | $42,831,250 | 5,457 |
| Average equity | $4,468,500 | 5,623 |
| Average total loans | $36,837,250 | 5,032 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1653% | 2,617 |
| Cost of funding earning assets | 0.8535% | 372 |
| Net interest margin | 3.3118% | 4,186 |
| Noninterest income to average assets | 0.1840% | 5,394 |
| Noninterest expense to average assets | 2.4496% | 4,182 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8238% | 3,200 |
| Return on assets (ROA) | 0.8238% | 3,335 |
| Pretax return on assets | 0.8633% | 4,072 |
| Return on Equity (ROE) | 8.4223% | 2,784 |
| Retained earnings to average equity (ytd only) | -2.7776% | 5,608 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9418% | 2,369 |
| Assets per employee ($millions) | 4.8479% | 2,485 |
| Cash dividends to net income (ytd only)* | 132.9787% | 269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6001% | 1,529 |
| Loan loss allowance to noncurrent loans | 75.4667% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.9573% | 841 |
| Noncurrent loans to loans | 2.1203% | 915 |
| Net loans and leases to total assets | 79.7758% | 946 |
| Net loans and leases to deposits | 96.1041% | 1,072 |
| Net loans and leases to core deposits | 96.1041% | 1,968 |
| Total domestic deposits to total assets | 83.0098% | 3,650 |
| Equity capital to assets | 10.0685% | 4,140 |
| Core capital (leverage) ratio | 9.1613% | 4,643 |
| Tier 1 risk-based capital ratio | 11.9620% | 4,849 |
| Total risk-based capital ratio | 13.2155% | 4,763 |
| Memoranda: | ||
| Average total assets | $45,640,000 | 5,548 |
| Average earning assets | $43,118,000 | 5,515 |
| Average equity | $4,464,330 | 5,683 |
| Average total loans | $36,977,670 | 5,074 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1260% | 2,745 |
| Cost of funding earning assets | 0.8686% | 347 |
| Net interest margin | 3.2574% | 4,375 |
| Noninterest income to average assets | 0.1715% | 5,461 |
| Noninterest expense to average assets | 2.4526% | 4,217 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7718% | 3,387 |
| Return on assets (ROA) | 0.7718% | 3,492 |
| Pretax return on assets | 0.8061% | 4,176 |
| Return on Equity (ROE) | 8.0000% | 2,912 |
| Retained earnings to average equity (ytd only) | 8.0000% | 1,456 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2632% | 2,283 |
| Assets per employee ($millions) | 5.1332% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6294% | 1,529 |
| Loan loss allowance to noncurrent loans | 74.6702% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 1.8680% | 975 |
| Noncurrent loans to loans | 2.1821% | 946 |
| Net loans and leases to total assets | 73.9648% | 1,734 |
| Net loans and leases to deposits | 90.4497% | 1,522 |
| Net loans and leases to core deposits | 90.4497% | 2,329 |
| Total domestic deposits to total assets | 81.7745% | 4,291 |
| Equity capital to assets | 9.8379% | 4,289 |
| Core capital (leverage) ratio | 9.2540% | 4,547 |
| Tier 1 risk-based capital ratio | 12.6671% | 4,470 |
| Total risk-based capital ratio | 13.9200% | 4,384 |
| Memoranda: | ||
| Average total assets | $46,644,500 | 5,583 |
| Average earning assets | $44,207,000 | 5,548 |
| Average equity | $4,500,000 | 5,722 |
| Average total loans | $37,780,000 | 5,086 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4406% | 1,770 |
| Cost of funding earning assets | 0.8644% | 345 |
| Net interest margin | 3.5762% | 3,222 |
| Noninterest income to average assets | 0.1862% | 5,480 |
| Noninterest expense to average assets | 2.4002% | 4,512 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0925% | 1,958 |
| Return on assets (ROA) | 1.0925% | 2,027 |
| Pretax return on assets | 1.1504% | 2,839 |
| Return on Equity (ROE) | 12.0240% | 1,292 |
| Retained earnings to average equity (ytd only) | 2.5278% | 4,268 |
| Net charge-offs to loans | -0.0099% | 5,111 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5991% | 3,644 |
| Assets per employee ($millions) | 5.2322% | 2,081 |
| Cash dividends to net income (ytd only)* | 78.9773% | 898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3865% | 2,492 |
| Loan loss allowance to noncurrent loans | 75.1660% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.8220% | 1,040 |
| Noncurrent loans to loans | 1.8445% | 1,171 |
| Net loans and leases to total assets | 85.4895% | 272 |
| Net loans and leases to deposits | 103.4246% | 468 |
| Net loans and leases to core deposits | 103.4246% | 1,263 |
| Total domestic deposits to total assets | 82.6587% | 3,957 |
| Equity capital to assets | 9.4606% | 4,598 |
| Core capital (leverage) ratio | 8.8879% | 5,017 |
| Tier 1 risk-based capital ratio | 10.4677% | 5,790 |
| Total risk-based capital ratio | 11.7195% | 5,708 |
| Memoranda: | ||
| Average total assets | $48,329,400 | 5,579 |
| Average earning assets | $45,466,800 | 5,545 |
| Average equity | $4,391,200 | 5,790 |
| Average total loans | $40,241,800 | 5,009 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4835% | 1,647 |
| Cost of funding earning assets | 0.8711% | 338 |
| Net interest margin | 3.6124% | 3,112 |
| Noninterest income to average assets | 0.1864% | 5,548 |
| Noninterest expense to average assets | 2.3711% | 4,589 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1568% | 1,810 |
| Return on assets (ROA) | 1.1568% | 1,878 |
| Pretax return on assets | 1.2143% | 2,756 |
| Return on Equity (ROE) | 12.8598% | 1,160 |
| Retained earnings to average equity (ytd only) | 2.5903% | 4,572 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1315% | 3,874 |
| Assets per employee ($millions) | 5.0702% | 2,214 |
| Cash dividends to net income (ytd only)* | 79.8578% | 738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5970% | 1,803 |
| Loan loss allowance to noncurrent loans | 66.1955% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 2.0928% | 946 |
| Noncurrent loans to loans | 2.4126% | 857 |
| Net loans and leases to total assets | 75.8853% | 1,400 |
| Net loans and leases to deposits | 91.0736% | 1,518 |
| Net loans and leases to core deposits | 91.0736% | 2,349 |
| Total domestic deposits to total assets | 83.3231% | 3,688 |
| Equity capital to assets | 9.7059% | 4,510 |
| Core capital (leverage) ratio | 8.5309% | 5,528 |
| Tier 1 risk-based capital ratio | 11.7630% | 5,228 |
| Total risk-based capital ratio | 13.0162% | 5,147 |
| Memoranda: | ||
| Average total assets | $48,639,250 | 5,643 |
| Average earning assets | $45,767,000 | 5,602 |
| Average equity | $4,375,250 | 5,863 |
| Average total loans | $40,096,500 | 5,060 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 1,907 |
| Cost of funding earning assets | 0.8615% | 353 |
| Net interest margin | 3.5224% | 3,405 |
| Noninterest income to average assets | 0.1813% | 5,603 |
| Noninterest expense to average assets | 2.3408% | 4,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1281% | 1,843 |
| Return on assets (ROA) | 1.1281% | 1,926 |
| Pretax return on assets | 1.1845% | 2,839 |
| Return on Equity (ROE) | 12.8519% | 1,144 |
| Retained earnings to average equity (ytd only) | 1.7442% | 4,825 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4000% | 3,943 |
| Assets per employee ($millions) | 4.7699% | 2,588 |
| Cash dividends to net income (ytd only)* | 86.4286% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3297% | 3,082 |
| Loan loss allowance to noncurrent loans | 57.5820% | 4,804 |
| Noncurrent assets plus other real estate owned to assets | 2.2705% | 903 |
| Noncurrent loans to loans | 2.3093% | 1,016 |
| Net loans and leases to total assets | 87.4274% | 169 |
| Net loans and leases to deposits | 104.9952% | 408 |
| Net loans and leases to core deposits | 104.9952% | 1,127 |
| Total domestic deposits to total assets | 83.2680% | 3,845 |
| Equity capital to assets | 9.1868% | 5,035 |
| Core capital (leverage) ratio | 8.3716% | 5,658 |
| Tier 1 risk-based capital ratio | 9.9951% | 6,092 |
| Total risk-based capital ratio | 11.2460% | 6,045 |
| Memoranda: | ||
| Average total assets | $49,641,670 | 5,677 |
| Average earning assets | $47,127,330 | 5,632 |
| Average equity | $4,357,330 | 5,928 |
| Average total loans | $41,732,000 | 5,038 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2840% | 2,150 |
| Cost of funding earning assets | 0.8734% | 328 |
| Net interest margin | 3.4106% | 3,802 |
| Noninterest income to average assets | 0.1660% | 5,739 |
| Noninterest expense to average assets | 2.3393% | 4,771 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0195% | 2,164 |
| Return on assets (ROA) | 1.0195% | 2,311 |
| Pretax return on assets | 1.0669% | 3,232 |
| Return on Equity (ROE) | 11.8757% | 1,384 |
| Retained earnings to average equity (ytd only) | 0.1841% | 5,309 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6775% | 3,715 |
| Assets per employee ($millions) | 5.0364% | 2,307 |
| Cash dividends to net income (ytd only)* | 98.4496% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 2,920 |
| Loan loss allowance to noncurrent loans | 54.4574% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 2.2615% | 1,003 |
| Noncurrent loans to loans | 2.5702% | 936 |
| Net loans and leases to total assets | 78.6077% | 851 |
| Net loans and leases to deposits | 92.6190% | 1,120 |
| Net loans and leases to core deposits | 92.6190% | 1,895 |
| Total domestic deposits to total assets | 84.8721% | 3,467 |
| Equity capital to assets | 8.6292% | 5,630 |
| Core capital (leverage) ratio | 8.1042% | 5,879 |
| Tier 1 risk-based capital ratio | 10.5812% | 5,988 |
| Total risk-based capital ratio | 11.8336% | 5,915 |
| Memoranda: | ||
| Average total assets | $50,613,000 | 5,709 |
| Average earning assets | $48,085,500 | 5,655 |
| Average equity | $4,345,000 | 5,984 |
| Average total loans | $41,466,000 | 5,086 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6964% | 1,318 |
| Cost of funding earning assets | 0.9719% | 258 |
| Net interest margin | 3.7245% | 2,904 |
| Noninterest income to average assets | 0.3223% | 4,814 |
| Noninterest expense to average assets | 2.5118% | 4,506 |
| Loan and lease loss provision to assets | 0.4055% | 435 |
| Net operating income to assets | 0.8733% | 3,002 |
| Return on assets (ROA) | 0.8733% | 3,088 |
| Pretax return on assets | 0.9191% | 3,830 |
| Return on Equity (ROE) | 9.9569% | 2,143 |
| Retained earnings to average equity (ytd only) | 6.4957% | 1,643 |
| Net charge-offs to loans | 0.0533% | 3,764 |
| Credit loss provision to net charge-offs | 886.3636% | 307 |
| Earnings coverage of net charge-offs (x) | 28.9545% | 1,378 |
| Efficiency ratio | 65.4743% | 4,327 |
| Assets per employee ($millions) | 5.0862% | 2,220 |
| Cash dividends to net income (ytd only)* | 34.7619% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3137% | 3,345 |
| Loan loss allowance to noncurrent loans | 31.1530% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 3.7592% | 471 |
| Noncurrent loans to loans | 4.2169% | 415 |
| Net loans and leases to total assets | 83.0050% | 431 |
| Net loans and leases to deposits | 100.6173% | 589 |
| Net loans and leases to core deposits | 100.6173% | 1,351 |
| Total domestic deposits to total assets | 82.4958% | 4,249 |
| Equity capital to assets | 8.5408% | 5,711 |
| Core capital (leverage) ratio | 8.2134% | 5,849 |
| Tier 1 risk-based capital ratio | 9.9830% | 6,263 |
| Total risk-based capital ratio | 11.2342% | 6,209 |
| Memoranda: | ||
| Average total assets | $48,092,400 | 5,831 |
| Average earning assets | $45,375,400 | 5,788 |
| Average equity | $4,218,200 | 6,048 |
| Average total loans | $41,264,200 | 5,133 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6987% | 1,307 |
| Cost of funding earning assets | 1.0028% | 247 |
| Net interest margin | 3.6959% | 3,036 |
| Noninterest income to average assets | 0.2785% | 5,208 |
| Noninterest expense to average assets | 2.5091% | 4,500 |
| Loan and lease loss provision to assets | 0.3938% | 434 |
| Net operating income to assets | 0.8270% | 3,302 |
| Return on assets (ROA) | 0.8270% | 3,391 |
| Pretax return on assets | 0.8692% | 4,110 |
| Return on Equity (ROE) | 9.3626% | 2,519 |
| Retained earnings to average equity (ytd only) | 7.3883% | 1,628 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5175% | 4,134 |
| Assets per employee ($millions) | 4.2304% | 3,419 |
| Cash dividends to net income (ytd only)* | 21.0873% | 3,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3262% | 3,515 |
| Loan loss allowance to noncurrent loans | 48.0909% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 2.5680% | 1,004 |
| Noncurrent loans to loans | 2.7577% | 1,017 |
| Net loans and leases to total assets | 84.5833% | 294 |
| Net loans and leases to deposits | 104.1297% | 395 |
| Net loans and leases to core deposits | 104.1297% | 1,097 |
| Total domestic deposits to total assets | 81.2288% | 4,758 |
| Equity capital to assets | 9.2449% | 5,091 |
| Core capital (leverage) ratio | 8.2003% | 5,931 |
| Tier 1 risk-based capital ratio | 10.4226% | 6,230 |
| Total risk-based capital ratio | 11.6750% | 6,185 |
| Memoranda: | ||
| Average total assets | $47,400,000 | 5,914 |
| Average earning assets | $44,805,500 | 5,872 |
| Average equity | $4,186,750 | 6,114 |
| Average total loans | $40,885,250 | 5,199 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 1,710 |
| Cost of funding earning assets | 0.9972% | 258 |
| Net interest margin | 3.5386% | 3,616 |
| Noninterest income to average assets | 0.2139% | 5,671 |
| Noninterest expense to average assets | 2.4660% | 4,679 |
| Loan and lease loss provision to assets | 0.3355% | 551 |
| Net operating income to assets | 0.7339% | 3,654 |
| Return on assets (ROA) | 0.7339% | 3,748 |
| Pretax return on assets | 0.7759% | 4,361 |
| Return on Equity (ROE) | 8.4371% | 2,875 |
| Retained earnings to average equity (ytd only) | 6.9908% | 1,783 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9332% | 3,843 |
| Assets per employee ($millions) | 4.1504% | 3,547 |
| Cash dividends to net income (ytd only)* | 17.1429% | 3,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0676% | 5,032 |
| Loan loss allowance to noncurrent loans | 40.9607% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 2.4014% | 1,199 |
| Noncurrent loans to loans | 2.6064% | 1,175 |
| Net loans and leases to total assets | 87.2623% | 121 |
| Net loans and leases to deposits | 112.5845% | 157 |
| Net loans and leases to core deposits | 112.5845% | 584 |
| Total domestic deposits to total assets | 77.5083% | 5,718 |
| Equity capital to assets | 8.4630% | 5,828 |
| Core capital (leverage) ratio | 7.9652% | 6,122 |
| Tier 1 risk-based capital ratio | 9.4148% | 6,499 |
| Total risk-based capital ratio | 10.5424% | 6,505 |
| Memoranda: | ||
| Average total assets | $47,688,670 | 5,963 |
| Average earning assets | $45,328,670 | 5,904 |
| Average equity | $4,148,330 | 6,165 |
| Average total loans | $41,217,330 | 5,222 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5823% | 1,550 |
| Cost of funding earning assets | 0.9851% | 291 |
| Net interest margin | 3.5971% | 3,257 |
| Noninterest income to average assets | 0.2402% | 5,438 |
| Noninterest expense to average assets | 2.5820% | 4,334 |
| Loan and lease loss provision to assets | 0.2573% | 828 |
| Net operating income to assets | 0.7720% | 3,299 |
| Return on assets (ROA) | 0.7720% | 3,381 |
| Pretax return on assets | 0.8149% | 4,055 |
| Return on Equity (ROE) | 8.7485% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.7485% | 1,326 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6573% | 3,713 |
| Assets per employee ($millions) | 4.2921% | 3,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0332% | 5,392 |
| Loan loss allowance to noncurrent loans | 201.4423% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 0.5486% | 4,505 |
| Noncurrent loans to loans | 0.5129% | 4,631 |
| Net loans and leases to total assets | 85.0105% | 185 |
| Net loans and leases to deposits | 105.0983% | 259 |
| Net loans and leases to core deposits | 105.0983% | 789 |
| Total domestic deposits to total assets | 80.8866% | 5,263 |
| Equity capital to assets | 8.8111% | 5,319 |
| Core capital (leverage) ratio | 8.4171% | 5,732 |
| Tier 1 risk-based capital ratio | 10.0717% | 6,456 |
| Total risk-based capital ratio | 11.1647% | 6,476 |
| Memoranda: | ||
| Average total assets | $46,630,500 | 6,055 |
| Average earning assets | $44,257,500 | 5,994 |
| Average equity | $4,115,000 | 6,218 |
| Average total loans | $39,861,000 | 5,329 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 1,932 |
| Cost of funding earning assets | 1.0762% | 321 |
| Net interest margin | 3.5037% | 3,892 |
| Noninterest income to average assets | 0.3354% | 4,926 |
| Noninterest expense to average assets | 2.5270% | 4,681 |
| Loan and lease loss provision to assets | 0.0684% | 3,765 |
| Net operating income to assets | 1.0061% | 2,300 |
| Return on assets (ROA) | 1.0061% | 2,361 |
| Pretax return on assets | 1.0574% | 3,122 |
| Return on Equity (ROE) | 12.1392% | 1,375 |
| Retained earnings to average equity (ytd only) | 6.9845% | 1,441 |
| Net charge-offs to loans | 0.0426% | 4,620 |
| Credit loss provision to net charge-offs | 200.0000% | 1,140 |
| Earnings coverage of net charge-offs (x) | 32.9375% | 1,091 |
| Efficiency ratio | 69.1813% | 3,980 |
| Assets per employee ($millions) | 4.1862% | 3,467 |
| Cash dividends to net income (ytd only)* | 42.4628% | 2,686 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 5,607 |
| Loan loss allowance to noncurrent loans | 193.5323% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.5451% | 4,596 |
| Noncurrent loans to loans | 0.5132% | 4,709 |
| Net loans and leases to total assets | 84.2121% | 241 |
| Net loans and leases to deposits | 103.9430% | 324 |
| Net loans and leases to core deposits | 103.9430% | 914 |
| Total domestic deposits to total assets | 81.0176% | 5,171 |
| Equity capital to assets | 8.8386% | 5,214 |
| Core capital (leverage) ratio | 8.1132% | 6,044 |
| Tier 1 risk-based capital ratio | 9.9436% | 6,529 |
| Total risk-based capital ratio | 10.9693% | 6,548 |
| Memoranda: | ||
| Average total assets | $46,814,800 | 6,097 |
| Average earning assets | $44,324,400 | 6,040 |
| Average equity | $3,880,000 | 6,351 |
| Average total loans | $37,556,200 | 5,441 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4989% | 2,231 |
| Cost of funding earning assets | 1.0656% | 365 |
| Net interest margin | 3.4333% | 4,153 |
| Noninterest income to average assets | 0.2836% | 5,418 |
| Noninterest expense to average assets | 2.3457% | 5,193 |
| Loan and lease loss provision to assets | 0.0340% | 4,338 |
| Net operating income to assets | 1.1034% | 1,995 |
| Return on assets (ROA) | 1.1034% | 2,069 |
| Pretax return on assets | 1.1572% | 2,860 |
| Return on Equity (ROE) | 13.5329% | 1,115 |
| Retained earnings to average equity (ytd only) | 6.5751% | 2,093 |
| Net charge-offs to loans | 0.1651% | 2,909 |
| Credit loss provision to net charge-offs | 26.0870% | 3,967 |
| Earnings coverage of net charge-offs (x) | 9.1308% | 2,519 |
| Efficiency ratio | 66.3192% | 4,429 |
| Assets per employee ($millions) | 4.3961% | 3,058 |
| Cash dividends to net income (ytd only)* | 51.4142% | 1,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8298% | 6,217 |
| Loan loss allowance to noncurrent loans | 66.6012% | 4,560 |
| Noncurrent assets plus other real estate owned to assets | 1.0526% | 3,549 |
| Noncurrent loans to loans | 1.2460% | 3,320 |
| Net loans and leases to total assets | 83.7790% | 260 |
| Net loans and leases to deposits | 112.7459% | 124 |
| Net loans and leases to core deposits | 112.7459% | 482 |
| Total domestic deposits to total assets | 74.3078% | 6,351 |
| Equity capital to assets | 8.2470% | 5,958 |
| Core capital (leverage) ratio | 7.8999% | 6,277 |
| Tier 1 risk-based capital ratio | 9.1951% | 6,711 |
| Total risk-based capital ratio | 10.0401% | 6,736 |
| Memoranda: | ||
| Average total assets | $47,006,500 | 6,165 |
| Average earning assets | $44,542,750 | 6,104 |
| Average equity | $3,832,500 | 6,445 |
| Average total loans | $37,153,500 | 5,509 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3698% | 2,683 |
| Cost of funding earning assets | 1.0415% | 444 |
| Net interest margin | 3.3283% | 4,456 |
| Noninterest income to average assets | 0.2234% | 5,844 |
| Noninterest expense to average assets | 2.3026% | 5,367 |
| Loan and lease loss provision to assets | 0.0516% | 3,959 |
| Net operating income to assets | 0.9795% | 2,414 |
| Return on assets (ROA) | 0.9795% | 2,565 |
| Pretax return on assets | 1.0267% | 3,388 |
| Return on Equity (ROE) | 12.0614% | 1,474 |
| Retained earnings to average equity (ytd only) | 1.4812% | 5,277 |
| Net charge-offs to loans | 0.2561% | 2,184 |
| Credit loss provision to net charge-offs | 26.0870% | 3,647 |
| Earnings coverage of net charge-offs (x) | 5.4565% | 2,890 |
| Efficiency ratio | 68.1067% | 4,163 |
| Assets per employee ($millions) | 4.2914% | 3,186 |
| Cash dividends to net income (ytd only)* | 87.7193% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 6,166 |
| Loan loss allowance to noncurrent loans | 513.6364% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.1398% | 6,072 |
| Noncurrent loans to loans | 0.1731% | 5,884 |
| Net loans and leases to total assets | 80.0657% | 530 |
| Net loans and leases to deposits | 100.2307% | 413 |
| Net loans and leases to core deposits | 100.2307% | 1,056 |
| Total domestic deposits to total assets | 79.8814% | 5,636 |
| Equity capital to assets | 8.1093% | 6,123 |
| Core capital (leverage) ratio | 7.7089% | 6,364 |
| Tier 1 risk-based capital ratio | 9.4016% | 6,732 |
| Total risk-based capital ratio | 10.3048% | 6,758 |
| Memoranda: | ||
| Average total assets | $46,556,330 | 6,220 |
| Average earning assets | $44,167,000 | 6,155 |
| Average equity | $3,780,670 | 6,500 |
| Average total loans | $35,920,670 | 5,578 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 3,100 |
| Cost of funding earning assets | 0.9873% | 657 |
| Net interest margin | 3.2637% | 4,665 |
| Noninterest income to average assets | 0.2336% | 5,785 |
| Noninterest expense to average assets | 2.2668% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0036% | 2,209 |
| Return on assets (ROA) | 1.0036% | 2,325 |
| Pretax return on assets | 1.0555% | 3,124 |
| Return on Equity (ROE) | 12.3503% | 1,329 |
| Retained earnings to average equity (ytd only) | -8.9433% | 6,573 |
| Net charge-offs to loans | -0.0345% | 5,961 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2292% | 4,268 |
| Assets per employee ($millions) | 4.6476% | 2,730 |
| Cash dividends to net income (ytd only)* | 172.4138% | 295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0439% | 5,815 |
| Loan loss allowance to noncurrent loans | 737.2549% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.1097% | 6,246 |
| Noncurrent loans to loans | 0.1416% | 6,044 |
| Net loans and leases to total assets | 76.6933% | 754 |
| Net loans and leases to deposits | 93.9929% | 665 |
| Net loans and leases to core deposits | 93.9929% | 1,345 |
| Total domestic deposits to total assets | 81.5948% | 5,325 |
| Equity capital to assets | 7.9934% | 6,379 |
| Core capital (leverage) ratio | 7.4066% | 6,504 |
| Tier 1 risk-based capital ratio | 9.7695% | 6,726 |
| Total risk-based capital ratio | 10.8448% | 6,733 |
| Memoranda: | ||
| Average total assets | $46,232,000 | 6,285 |
| Average earning assets | $43,754,000 | 6,221 |
| Average equity | $3,757,000 | 6,571 |
| Average total loans | $34,814,000 | 5,672 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5238% | 3,304 |
| Cost of funding earning assets | 1.1292% | 810 |
| Net interest margin | 3.3946% | 4,903 |
| Noninterest income to average assets | 0.3331% | 5,069 |
| Noninterest expense to average assets | 2.4791% | 5,165 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.0275% | 2,218 |
| Return on assets (ROA) | 1.0275% | 2,431 |
| Pretax return on assets | 1.0795% | 3,234 |
| Return on Equity (ROE) | 12.4346% | 1,376 |
| Retained earnings to average equity (ytd only) | 0.5497% | 5,576 |
| Net charge-offs to loans | 0.0966% | 4,698 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 15.1212% | 1,674 |
| Efficiency ratio | 69.6657% | 3,873 |
| Assets per employee ($millions) | 4.1807% | 3,591 |
| Cash dividends to net income (ytd only)* | 95.5789% | 573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1099% | 5,517 |
| Loan loss allowance to noncurrent loans | 1,963.1579% | 272 |
| Noncurrent assets plus other real estate owned to assets | 0.0413% | 6,541 |
| Noncurrent loans to loans | 0.0565% | 6,353 |
| Net loans and leases to total assets | 72.2689% | 1,449 |
| Net loans and leases to deposits | 86.9002% | 1,395 |
| Net loans and leases to core deposits | 86.9002% | 2,201 |
| Total domestic deposits to total assets | 83.1630% | 4,649 |
| Equity capital to assets | 8.2609% | 6,231 |
| Core capital (leverage) ratio | 7.8438% | 6,316 |
| Tier 1 risk-based capital ratio | 10.7481% | 6,453 |
| Total risk-based capital ratio | 11.8935% | 6,460 |
| Memoranda: | ||
| Average total assets | $46,226,600 | 6,324 |
| Average earning assets | $43,923,000 | 6,237 |
| Average equity | $3,820,000 | 6,606 |
| Average total loans | $34,169,800 | 5,753 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 3,545 |
| Cost of funding earning assets | 1.1534% | 851 |
| Net interest margin | 3.3697% | 5,139 |
| Noninterest income to average assets | 0.2794% | 5,540 |
| Noninterest expense to average assets | 2.4024% | 5,392 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0399% | 2,319 |
| Return on assets (ROA) | 1.0399% | 2,537 |
| Pretax return on assets | 1.0917% | 3,380 |
| Return on Equity (ROE) | 12.5827% | 1,438 |
| Retained earnings to average equity (ytd only) | 4.1827% | 3,954 |
| Net charge-offs to loans | -0.0039% | 6,251 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7552% | 3,920 |
| Assets per employee ($millions) | 4.0462% | 3,776 |
| Cash dividends to net income (ytd only)* | 66.7602% | 1,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 5,420 |
| Loan loss allowance to noncurrent loans | 565.2778% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.1618% | 6,300 |
| Noncurrent loans to loans | 0.2073% | 6,091 |
| Net loans and leases to total assets | 77.1232% | 840 |
| Net loans and leases to deposits | 97.8004% | 557 |
| Net loans and leases to core deposits | 98.6436% | 1,218 |
| Total domestic deposits to total assets | 78.8577% | 5,904 |
| Equity capital to assets | 8.7602% | 6,057 |
| Core capital (leverage) ratio | 7.8670% | 6,424 |
| Tier 1 risk-based capital ratio | 10.7765% | 6,571 |
| Total risk-based capital ratio | 11.9949% | 6,570 |
| Memoranda: | ||
| Average total assets | $46,286,250 | 6,391 |
| Average earning assets | $44,156,750 | 6,307 |
| Average equity | $3,825,250 | 6,688 |
| Average total loans | $34,310,250 | 5,820 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3983% | 4,197 |
| Cost of funding earning assets | 1.1410% | 1,066 |
| Net interest margin | 3.2573% | 5,569 |
| Noninterest income to average assets | 0.2048% | 6,097 |
| Noninterest expense to average assets | 2.3763% | 5,543 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8917% | 2,950 |
| Return on assets (ROA) | 0.8917% | 3,211 |
| Pretax return on assets | 0.9343% | 3,945 |
| Return on Equity (ROE) | 10.9981% | 1,994 |
| Retained earnings to average equity (ytd only) | -1.6839% | 6,317 |
| Net charge-offs to loans | -0.0059% | 6,192 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7784% | 3,466 |
| Assets per employee ($millions) | 3.9058% | 4,061 |
| Cash dividends to net income (ytd only)* | 115.3110% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1338% | 5,628 |
| Loan loss allowance to noncurrent loans | 607.4627% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.1429% | 6,429 |
| Noncurrent loans to loans | 0.1867% | 6,209 |
| Net loans and leases to total assets | 75.7179% | 1,003 |
| Net loans and leases to deposits | 93.2914% | 828 |
| Net loans and leases to core deposits | 94.0330% | 1,599 |
| Total domestic deposits to total assets | 81.1628% | 5,409 |
| Equity capital to assets | 7.9923% | 6,570 |
| Core capital (leverage) ratio | 7.0942% | 6,791 |
| Tier 1 risk-based capital ratio | 9.9939% | 6,829 |
| Total risk-based capital ratio | 11.1739% | 6,831 |
| Memoranda: | ||
| Average total assets | $46,879,000 | 6,411 |
| Average earning assets | $44,699,330 | 6,327 |
| Average equity | $3,800,670 | 6,729 |
| Average total loans | $34,169,330 | 5,864 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3999% | 4,337 |
| Cost of funding earning assets | 1.1314% | 1,247 |
| Net interest margin | 3.2685% | 5,579 |
| Noninterest income to average assets | 0.2048% | 6,160 |
| Noninterest expense to average assets | 2.4145% | 5,422 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8532% | 3,141 |
| Return on assets (ROA) | 0.8532% | 3,376 |
| Pretax return on assets | 0.8958% | 4,041 |
| Return on Equity (ROE) | 10.4493% | 2,255 |
| Retained earnings to average equity (ytd only) | 10.4493% | 1,168 |
| Net charge-offs to loans | -0.0120% | 6,005 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9381% | 3,264 |
| Assets per employee ($millions) | 4.4265% | 3,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 5,295 |
| Loan loss allowance to noncurrent loans | 598.5294% | 588 |
| Noncurrent assets plus other real estate owned to assets | 0.1397% | 6,540 |
| Noncurrent loans to loans | 0.2077% | 6,269 |
| Net loans and leases to total assets | 66.4106% | 2,387 |
| Net loans and leases to deposits | 80.1308% | 2,187 |
| Net loans and leases to core deposits | 80.7310% | 2,979 |
| Total domestic deposits to total assets | 82.8777% | 4,980 |
| Equity capital to assets | 7.9645% | 6,543 |
| Core capital (leverage) ratio | 7.5937% | 6,570 |
| Tier 1 risk-based capital ratio | 11.5784% | 6,236 |
| Total risk-based capital ratio | 12.8304% | 6,213 |
| Memoranda: | ||
| Average total assets | $46,883,500 | 6,463 |
| Average earning assets | $44,546,000 | 6,382 |
| Average equity | $3,828,000 | 6,770 |
| Average total loans | $33,306,000 | 5,947 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7426% | 4,066 |
| Cost of funding earning assets | 1.2886% | 1,534 |
| Net interest margin | 3.4540% | 5,312 |
| Noninterest income to average assets | 0.3294% | 5,184 |
| Noninterest expense to average assets | 2.1984% | 6,271 |
| Loan and lease loss provision to assets | 0.0264% | 6,246 |
| Net operating income to assets | 1.3177% | 1,199 |
| Return on assets (ROA) | 1.3177% | 1,297 |
| Pretax return on assets | 1.3836% | 1,830 |
| Return on Equity (ROE) | 15.8353% | 626 |
| Retained earnings to average equity (ytd only) | 1.5835% | 5,081 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9251% | 5,615 |
| Assets per employee ($millions) | 4.5076% | 2,896 |
| Cash dividends to net income (ytd only)* | 90.0000% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 5,396 |
| Loan loss allowance to noncurrent loans | 507.5000% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1775% | 6,505 |
| Noncurrent loans to loans | 0.2362% | 6,268 |
| Net loans and leases to total assets | 74.2368% | 1,231 |
| Net loans and leases to deposits | 90.2162% | 1,132 |
| Net loans and leases to core deposits | 90.9518% | 1,992 |
| Total domestic deposits to total assets | 82.2877% | 5,032 |
| Equity capital to assets | 8.3814% | 6,269 |
| Core capital (leverage) ratio | 7.8549% | 6,394 |
| Tier 1 risk-based capital ratio | 11.1521% | 6,371 |
| Total risk-based capital ratio | 12.4022% | 6,353 |
| Memoranda: | ||
| Average total assets | $45,533,400 | 6,495 |
| Average earning assets | $43,224,800 | 6,412 |
| Average equity | $3,789,000 | 6,806 |
| Average total loans | $34,244,800 | 5,943 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7320% | 4,312 |
| Cost of funding earning assets | 1.3174% | 1,604 |
| Net interest margin | 3.4147% | 5,526 |
| Noninterest income to average assets | 0.3067% | 5,406 |
| Noninterest expense to average assets | 2.0037% | 6,682 |
| Loan and lease loss provision to assets | 0.0351% | 5,999 |
| Net operating income to assets | 1.4400% | 1,077 |
| Return on assets (ROA) | 1.4400% | 1,150 |
| Pretax return on assets | 1.5159% | 1,607 |
| Return on Equity (ROE) | 17.3355% | 531 |
| Retained earnings to average equity (ytd only) | 2.5669% | 4,830 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3681% | 6,234 |
| Assets per employee ($millions) | 4.5714% | 2,806 |
| Cash dividends to net income (ytd only)* | 85.1929% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 5,576 |
| Loan loss allowance to noncurrent loans | 75.1852% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 1.1813% | 4,427 |
| Noncurrent loans to loans | 1.5600% | 3,950 |
| Net loans and leases to total assets | 74.8348% | 1,178 |
| Net loans and leases to deposits | 93.2890% | 897 |
| Net loans and leases to core deposits | 94.0585% | 1,789 |
| Total domestic deposits to total assets | 80.2183% | 5,671 |
| Equity capital to assets | 8.2929% | 6,490 |
| Core capital (leverage) ratio | 7.5207% | 6,757 |
| Tier 1 risk-based capital ratio | 10.9149% | 6,594 |
| Total risk-based capital ratio | 12.1652% | 6,571 |
| Memoranda: | ||
| Average total assets | $45,647,750 | 6,547 |
| Average earning assets | $43,419,250 | 6,463 |
| Average equity | $3,791,750 | 6,861 |
| Average total loans | $34,338,750 | 6,005 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6152% | 4,905 |
| Cost of funding earning assets | 1.3193% | 1,830 |
| Net interest margin | 3.2959% | 5,870 |
| Noninterest income to average assets | 0.2674% | 5,736 |
| Noninterest expense to average assets | 1.9550% | 6,867 |
| Loan and lease loss provision to assets | 0.0526% | 5,659 |
| Net operating income to assets | 1.3326% | 1,235 |
| Return on assets (ROA) | 1.3326% | 1,310 |
| Pretax return on assets | 1.4027% | 1,792 |
| Return on Equity (ROE) | 16.0338% | 666 |
| Retained earnings to average equity (ytd only) | 4.9051% | 3,056 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3265% | 6,252 |
| Assets per employee ($millions) | 4.5894% | 2,703 |
| Cash dividends to net income (ytd only)* | 69.4079% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 5,641 |
| Loan loss allowance to noncurrent loans | 253.7500% | 1,221 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 6,260 |
| Noncurrent loans to loans | 0.4639% | 5,980 |
| Net loans and leases to total assets | 74.2646% | 1,364 |
| Net loans and leases to deposits | 90.8444% | 1,176 |
| Net loans and leases to core deposits | 91.5767% | 2,190 |
| Total domestic deposits to total assets | 81.7492% | 5,253 |
| Equity capital to assets | 8.3039% | 6,423 |
| Core capital (leverage) ratio | 7.6384% | 6,633 |
| Tier 1 risk-based capital ratio | 11.2424% | 6,359 |
| Total risk-based capital ratio | 12.4940% | 6,352 |
| Memoranda: | ||
| Average total assets | $45,625,670 | 6,605 |
| Average earning assets | $43,508,670 | 6,522 |
| Average equity | $3,792,000 | 6,904 |
| Average total loans | $34,246,330 | 6,059 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5780% | 5,040 |
| Cost of funding earning assets | 1.3937% | 1,639 |
| Net interest margin | 3.1843% | 6,117 |
| Noninterest income to average assets | 0.1934% | 6,339 |
| Noninterest expense to average assets | 1.9256% | 6,946 |
| Loan and lease loss provision to assets | 0.1055% | 4,694 |
| Net operating income to assets | 1.1343% | 1,721 |
| Return on assets (ROA) | 1.1343% | 1,767 |
| Pretax return on assets | 1.1958% | 2,386 |
| Return on Equity (ROE) | 13.6418% | 1,054 |
| Retained earnings to average equity (ytd only) | 13.6418% | 506 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6730% | 6,031 |
| Assets per employee ($millions) | 4.5802% | 2,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2208% | 5,519 |
| Loan loss allowance to noncurrent loans | 520.5128% | 624 |
| Noncurrent assets plus other real estate owned to assets | 0.1703% | 6,734 |
| Noncurrent loans to loans | 0.2345% | 6,514 |
| Net loans and leases to total assets | 71.7261% | 1,779 |
| Net loans and leases to deposits | 86.8963% | 1,602 |
| Net loans and leases to core deposits | 87.5913% | 2,656 |
| Total domestic deposits to total assets | 82.5422% | 5,091 |
| Equity capital to assets | 8.3992% | 6,050 |
| Core capital (leverage) ratio | 7.5591% | 6,690 |
| Tier 1 risk-based capital ratio | 12.1051% | 5,595 |
| Total risk-based capital ratio | 13.3572% | 5,592 |
| Memoranda: | ||
| Average total assets | $45,491,500 | 6,653 |
| Average earning assets | $43,338,000 | 6,577 |
| Average equity | $3,782,500 | 6,937 |
| Average total loans | $34,125,000 | 6,119 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2519% | 3,353 |
| Cost of funding earning assets | 1.7475% | 1,386 |
| Net interest margin | 3.5045% | 5,230 |
| Noninterest income to average assets | 0.3335% | 5,399 |
| Noninterest expense to average assets | 2.4647% | 5,904 |
| Loan and lease loss provision to assets | 0.1075% | 6,071 |
| Net operating income to assets | 1.0342% | 1,924 |
| Return on assets (ROA) | 1.0342% | 2,030 |
| Pretax return on assets | 1.0745% | 2,684 |
| Return on Equity (ROE) | 12.7843% | 1,149 |
| Retained earnings to average equity (ytd only) | 3.0162% | 3,736 |
| Net charge-offs to loans | -0.0283% | 7,395 |
| Credit loss provision to net charge-offs | -480.0000% | 7,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5875% | 4,646 |
| Assets per employee ($millions) | 5.0201% | 2,136 |
| Cash dividends to net income (ytd only)* | 76.4069% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,844 |
| Loan loss allowance to noncurrent loans | 505.1282% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.1726% | 6,801 |
| Noncurrent loans to loans | 0.2229% | 6,616 |
| Net loans and leases to total assets | 76.5764% | 1,164 |
| Net loans and leases to deposits | 94.1263% | 1,054 |
| Net loans and leases to core deposits | 96.8996% | 1,905 |
| Total domestic deposits to total assets | 81.3550% | 5,404 |
| Equity capital to assets | 8.2291% | 6,229 |
| Core capital (leverage) ratio | 7.6845% | 6,554 |
| Tier 1 risk-based capital ratio | 10.8419% | 6,454 |
| Total risk-based capital ratio | 12.0913% | 6,425 |
| Memoranda: | ||
| Average total assets | $44,671,400 | 6,707 |
| Average earning assets | $42,232,000 | 6,632 |
| Average equity | $3,613,800 | 7,107 |
| Average total loans | $35,348,000 | 6,145 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3417% | 3,156 |
| Cost of funding earning assets | 1.8313% | 1,296 |
| Net interest margin | 3.5104% | 5,249 |
| Noninterest income to average assets | 0.2933% | 5,785 |
| Noninterest expense to average assets | 2.2240% | 6,540 |
| Loan and lease loss provision to assets | 0.1078% | 5,956 |
| Net operating income to assets | 1.2123% | 1,561 |
| Return on assets (ROA) | 1.2123% | 1,642 |
| Pretax return on assets | 1.2781% | 2,238 |
| Return on Equity (ROE) | 15.0509% | 847 |
| Retained earnings to average equity (ytd only) | 4.3852% | 3,409 |
| Net charge-offs to loans | -0.0301% | 7,402 |
| Credit loss provision to net charge-offs | -450.0000% | 7,010 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6086% | 5,683 |
| Assets per employee ($millions) | 4.4948% | 2,915 |
| Cash dividends to net income (ytd only)* | 70.8643% | 883 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0338% | 6,246 |
| Loan loss allowance to noncurrent loans | 487.1795% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.1735% | 6,924 |
| Noncurrent loans to loans | 0.2122% | 6,755 |
| Net loans and leases to total assets | 80.9291% | 628 |
| Net loans and leases to deposits | 100.1459% | 649 |
| Net loans and leases to core deposits | 100.9799% | 1,750 |
| Total domestic deposits to total assets | 80.8112% | 5,449 |
| Equity capital to assets | 8.2918% | 6,517 |
| Core capital (leverage) ratio | 7.6710% | 6,707 |
| Tier 1 risk-based capital ratio | 10.2681% | 6,919 |
| Total risk-based capital ratio | 11.4063% | 6,962 |
| Memoranda: | ||
| Average total assets | $44,544,000 | 6,792 |
| Average earning assets | $42,083,000 | 6,721 |
| Average equity | $3,587,750 | 7,209 |
| Average total loans | $35,437,000 | 6,223 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3605% | 3,154 |
| Cost of funding earning assets | 1.8841% | 1,289 |
| Net interest margin | 3.4764% | 5,335 |
| Noninterest income to average assets | 0.2567% | 6,077 |
| Noninterest expense to average assets | 2.1932% | 6,661 |
| Loan and lease loss provision to assets | 0.1081% | 5,833 |
| Net operating income to assets | 1.1664% | 1,656 |
| Return on assets (ROA) | 1.1664% | 1,713 |
| Pretax return on assets | 1.2295% | 2,321 |
| Return on Equity (ROE) | 14.6273% | 922 |
| Retained earnings to average equity (ytd only) | 4.8569% | 2,979 |
| Net charge-offs to loans | -0.0114% | 7,215 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1173% | 5,669 |
| Assets per employee ($millions) | 4.5329% | 2,818 |
| Cash dividends to net income (ytd only)* | 66.7954% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9683% | 6,528 |
| Loan loss allowance to noncurrent loans | 348.0769% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.2294% | 6,821 |
| Noncurrent loans to loans | 0.2782% | 6,673 |
| Net loans and leases to total assets | 81.6806% | 575 |
| Net loans and leases to deposits | 106.9221% | 355 |
| Net loans and leases to core deposits | 107.8566% | 1,308 |
| Total domestic deposits to total assets | 76.3926% | 6,612 |
| Equity capital to assets | 8.1515% | 6,595 |
| Core capital (leverage) ratio | 7.7126% | 6,593 |
| Tier 1 risk-based capital ratio | 9.9310% | 7,065 |
| Total risk-based capital ratio | 10.9896% | 7,155 |
| Memoranda: | ||
| Average total assets | $44,409,330 | 6,852 |
| Average earning assets | $41,824,330 | 6,785 |
| Average equity | $3,541,330 | 7,254 |
| Average total loans | $34,997,330 | 6,288 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1517% | 4,286 |
| Cost of funding earning assets | 1.6524% | 2,634 |
| Net interest margin | 3.4993% | 5,160 |
| Noninterest income to average assets | 0.1820% | 6,654 |
| Noninterest expense to average assets | 2.2025% | 6,682 |
| Loan and lease loss provision to assets | 0.1092% | 5,532 |
| Net operating income to assets | 1.0831% | 1,885 |
| Return on assets (ROA) | 1.0831% | 1,965 |
| Pretax return on assets | 1.1468% | 2,562 |
| Return on Equity (ROE) | 13.7394% | 1,102 |
| Retained earnings to average equity (ytd only) | 1.2700% | 5,306 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6842% | 5,553 |
| Assets per employee ($millions) | 4.5251% | 2,911 |
| Cash dividends to net income (ytd only)* | 90.7563% | 682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 6,482 |
| Loan loss allowance to noncurrent loans | 994.2857% | 341 |
| Noncurrent assets plus other real estate owned to assets | 0.0773% | 7,298 |
| Noncurrent loans to loans | 0.1005% | 7,142 |
| Net loans and leases to total assets | 76.2061% | 1,498 |
| Net loans and leases to deposits | 95.6826% | 1,148 |
| Net loans and leases to core deposits | 96.4857% | 2,530 |
| Total domestic deposits to total assets | 79.6446% | 5,902 |
| Equity capital to assets | 7.9998% | 6,651 |
| Core capital (leverage) ratio | 7.8538% | 6,430 |
| Tier 1 risk-based capital ratio | 10.4205% | 6,704 |
| Total risk-based capital ratio | 11.5124% | 6,832 |
| Memoranda: | ||
| Average total assets | $43,949,500 | 6,954 |
| Average earning assets | $41,151,500 | 6,893 |
| Average equity | $3,464,500 | 7,355 |
| Average total loans | $33,802,500 | 6,422 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6460% | 3,368 |
| Cost of funding earning assets | 2.0385% | 2,779 |
| Net interest margin | 3.6075% | 4,526 |
| Noninterest income to average assets | 0.4000% | 5,199 |
| Noninterest expense to average assets | 2.5458% | 5,967 |
| Loan and lease loss provision to assets | 0.0906% | 6,702 |
| Net operating income to assets | 1.0968% | 1,518 |
| Return on assets (ROA) | 1.0968% | 1,558 |
| Pretax return on assets | 1.1471% | 2,106 |
| Return on Equity (ROE) | 13.3521% | 895 |
| Retained earnings to average equity (ytd only) | 4.1036% | 2,339 |
| Net charge-offs to loans | -0.0228% | 7,797 |
| Credit loss provision to net charge-offs | -514.2857% | 7,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2872% | 5,131 |
| Assets per employee ($millions) | 4.2648% | 3,322 |
| Cash dividends to net income (ytd only)* | 69.2661% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0252% | 6,238 |
| Loan loss allowance to noncurrent loans | 2,100.0000% | 192 |
| Noncurrent assets plus other real estate owned to assets | 0.0375% | 7,423 |
| Noncurrent loans to loans | 0.0488% | 7,309 |
| Net loans and leases to total assets | 76.0575% | 1,784 |
| Net loans and leases to deposits | 90.6492% | 2,117 |
| Net loans and leases to core deposits | 102.8538% | 3,705 |
| Total domestic deposits to total assets | 83.9031% | 4,070 |
| Equity capital to assets | 7.7589% | 6,808 |
| Core capital (leverage) ratio | 7.3522% | 6,932 |
| Tier 1 risk-based capital ratio | 9.4926% | 7,231 |
| Total risk-based capital ratio | 10.5522% | 7,322 |
| Memoranda: | ||
| Average total assets | $39,751,400 | 7,105 |
| Average earning assets | $37,283,200 | 7,043 |
| Average equity | $3,265,400 | 7,511 |
| Average total loans | $30,759,200 | 6,589 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7083% | 3,301 |
| Cost of funding earning assets | 2.0866% | 2,950 |
| Net interest margin | 3.6217% | 4,398 |
| Noninterest income to average assets | 0.3314% | 5,836 |
| Noninterest expense to average assets | 2.4256% | 6,334 |
| Loan and lease loss provision to assets | 0.0922% | 6,444 |
| Net operating income to assets | 1.1615% | 1,557 |
| Return on assets (ROA) | 1.1615% | 1,616 |
| Pretax return on assets | 1.2230% | 2,191 |
| Return on Equity (ROE) | 13.9290% | 951 |
| Retained earnings to average equity (ytd only) | 5.4079% | 2,251 |
| Net charge-offs to loans | -0.0353% | 7,820 |
| Credit loss provision to net charge-offs | -337.5000% | 7,249 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8402% | 5,582 |
| Assets per employee ($millions) | 4.4554% | 2,934 |
| Cash dividends to net income (ytd only)* | 61.1775% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0305% | 6,105 |
| Loan loss allowance to noncurrent loans | 2,523.0769% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 7,497 |
| Noncurrent loans to loans | 0.0408% | 7,409 |
| Net loans and leases to total assets | 78.5606% | 1,472 |
| Net loans and leases to deposits | 94.8056% | 1,748 |
| Net loans and leases to core deposits | 109.9048% | 3,249 |
| Total domestic deposits to total assets | 82.8649% | 4,289 |
| Equity capital to assets | 8.2471% | 6,570 |
| Core capital (leverage) ratio | 7.5464% | 6,923 |
| Tier 1 risk-based capital ratio | 10.0441% | 6,936 |
| Total risk-based capital ratio | 11.1393% | 7,027 |
| Memoranda: | ||
| Average total assets | $39,027,250 | 7,197 |
| Average earning assets | $36,740,750 | 7,123 |
| Average equity | $3,254,500 | 7,585 |
| Average total loans | $30,255,750 | 6,665 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 3,618 |
| Cost of funding earning assets | 2.1121% | 3,211 |
| Net interest margin | 3.5751% | 4,469 |
| Noninterest income to average assets | 0.2379% | 6,577 |
| Noninterest expense to average assets | 2.4360% | 6,350 |
| Loan and lease loss provision to assets | 0.0931% | 6,238 |
| Net operating income to assets | 1.0137% | 2,059 |
| Return on assets (ROA) | 1.0137% | 2,151 |
| Pretax return on assets | 1.0706% | 2,737 |
| Return on Equity (ROE) | 12.1100% | 1,381 |
| Retained earnings to average equity (ytd only) | 4.9428% | 2,544 |
| Net charge-offs to loans | -0.0538% | 7,858 |
| Credit loss provision to net charge-offs | -225.0000% | 6,986 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6724% | 5,217 |
| Assets per employee ($millions) | 4.8816% | 2,219 |
| Cash dividends to net income (ytd only)* | 59.1837% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9995% | 6,251 |
| Loan loss allowance to noncurrent loans | 1,595.0000% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.0512% | 7,476 |
| Noncurrent loans to loans | 0.0627% | 7,370 |
| Net loans and leases to total assets | 80.9054% | 1,158 |
| Net loans and leases to deposits | 98.1090% | 1,503 |
| Net loans and leases to core deposits | 111.4694% | 3,204 |
| Total domestic deposits to total assets | 82.4649% | 4,501 |
| Equity capital to assets | 8.3374% | 6,279 |
| Core capital (leverage) ratio | 7.4351% | 7,094 |
| Tier 1 risk-based capital ratio | 9.7120% | 7,222 |
| Total risk-based capital ratio | 10.7597% | 7,338 |
| Memoranda: | ||
| Average total assets | $38,670,000 | 7,271 |
| Average earning assets | $36,362,670 | 7,208 |
| Average equity | $3,237,000 | 7,653 |
| Average total loans | $29,731,000 | 6,750 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6586% | 4,004 |
| Cost of funding earning assets | 2.0999% | 3,650 |
| Net interest margin | 3.5587% | 4,488 |
| Noninterest income to average assets | 0.2287% | 6,632 |
| Noninterest expense to average assets | 2.3286% | 6,437 |
| Loan and lease loss provision to assets | 0.0936% | 5,759 |
| Net operating income to assets | 1.0915% | 1,992 |
| Return on assets (ROA) | 1.0915% | 2,120 |
| Pretax return on assets | 1.1539% | 2,789 |
| Return on Equity (ROE) | 13.0132% | 1,384 |
| Retained earnings to average equity (ytd only) | 13.0132% | 638 |
| Net charge-offs to loans | -0.1117% | 7,905 |
| Credit loss provision to net charge-offs | -112.5000% | 6,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1163% | 5,488 |
| Assets per employee ($millions) | 4.3289% | 3,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 5,781 |
| Loan loss allowance to noncurrent loans | 1,033.3333% | 393 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 7,363 |
| Noncurrent loans to loans | 0.1021% | 7,237 |
| Net loans and leases to total assets | 74.6073% | 2,596 |
| Net loans and leases to deposits | 90.2310% | 2,892 |
| Net loans and leases to core deposits | 101.3035% | 4,410 |
| Total domestic deposits to total assets | 82.6848% | 4,295 |
| Equity capital to assets | 8.4189% | 6,203 |
| Core capital (leverage) ratio | 7.7788% | 6,777 |
| Tier 1 risk-based capital ratio | 10.2366% | 6,667 |
| Total risk-based capital ratio | 11.3011% | 6,772 |
| Memoranda: | ||
| Average total assets | $38,478,500 | 7,319 |
| Average earning assets | $36,192,500 | 7,260 |
| Average equity | $3,227,500 | 7,710 |
| Average total loans | $28,639,000 | 6,837 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2416% | 4,289 |
| Cost of funding earning assets | 2.5984% | 3,690 |
| Net interest margin | 3.6432% | 4,708 |
| Noninterest income to average assets | 0.4523% | 5,021 |
| Noninterest expense to average assets | 2.6774% | 5,350 |
| Loan and lease loss provision to assets | 0.1005% | 6,094 |
| Net operating income to assets | 1.0413% | 2,398 |
| Return on assets (ROA) | 1.0413% | 2,283 |
| Pretax return on assets | 1.0721% | 3,129 |
| Return on Equity (ROE) | 11.9131% | 1,623 |
| Retained earnings to average equity (ytd only) | 2.4273% | 3,689 |
| Net charge-offs to loans | 0.1596% | 4,594 |
| Credit loss provision to net charge-offs | 83.7209% | 5,814 |
| Earnings coverage of net charge-offs (x) | 9.7674% | 2,639 |
| Efficiency ratio | 69.5431% | 4,437 |
| Assets per employee ($millions) | 4.2219% | 3,079 |
| Cash dividends to net income (ytd only)* | 79.6247% | 1,737 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0501% | 5,626 |
| Loan loss allowance to noncurrent loans | 505.1724% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.2316% | 6,642 |
| Noncurrent loans to loans | 0.2079% | 6,764 |
| Net loans and leases to total assets | 72.6584% | 3,446 |
| Net loans and leases to deposits | 89.1587% | 3,607 |
| Net loans and leases to core deposits | 98.5894% | 4,977 |
| Total domestic deposits to total assets | 81.4933% | 4,412 |
| Equity capital to assets | 8.3559% | 6,333 |
| Core capital (leverage) ratio | 7.8639% | 6,708 |
| Tier 1 risk-based capital ratio | 10.1665% | 6,559 |
| Total risk-based capital ratio | 11.2022% | 6,678 |
| Memoranda: | ||
| Average total assets | $35,819,000 | 7,391 |
| Average earning assets | $33,404,800 | 7,354 |
| Average equity | $3,131,000 | 7,798 |
| Average total loans | $26,946,800 | 6,902 |