Home > First State Bank > Performance and Condition Ratios
First State Bank, Performance and Condition Ratios
| 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 | 6.1755% | 126 |
| Cost of funding earning assets | 0.3939% | 3,751 |
| Net interest margin | 5.7816% | 96 |
| Noninterest income to average assets | 0.5811% | 2,980 |
| Noninterest expense to average assets | 4.5097% | 458 |
| Loan and lease loss provision to assets | 0.0790% | 2,904 |
| Net operating income to assets | 1.3157% | 1,274 |
| Return on assets (ROA) | 1.3157% | 1,315 |
| Pretax return on assets | 1.3157% | 2,192 |
| Return on Equity (ROE) | 15.1889% | 748 |
| Retained earnings to average equity (ytd only) | 1.2344% | 5,226 |
| Net charge-offs to loans | 0.2290% | 1,837 |
| Credit loss provision to net charge-offs | 42.5000% | 3,622 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 3,025 |
| Efficiency ratio | 76.3780% | 2,455 |
| Assets per employee ($millions) | 2.6046% | 6,099 |
| Cash dividends to net income (ytd only)* | 91.8728% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6686% | 6,047 |
| Loan loss allowance to noncurrent loans | 99.1736% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.3918% | 2,002 |
| Noncurrent loans to loans | 0.6742% | 3,659 |
| Net loans and leases to total assets | 85.5593% | 237 |
| Net loans and leases to deposits | 94.4780% | 1,035 |
| Net loans and leases to core deposits | 94.4780% | 1,869 |
| Total domestic deposits to total assets | 90.5601% | 516 |
| Equity capital to assets | 9.4015% | 4,842 |
| Core capital (leverage) ratio | 9.2384% | 4,621 |
| Tier 1 risk-based capital ratio | 11.9692% | 5,382 |
| Total risk-based capital ratio | 12.7024% | 5,608 |
| Memoranda: | ||
| Average total assets | $21,509,400 | 6,389 |
| Average earning assets | $19,804,200 | 6,371 |
| Average equity | $1,863,200 | 6,421 |
| Average total loans | $17,466,200 | 6,067 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0847% | 140 |
| Cost of funding earning assets | 0.3874% | 3,932 |
| Net interest margin | 5.6973% | 104 |
| Noninterest income to average assets | 0.6704% | 2,471 |
| Noninterest expense to average assets | 4.3854% | 514 |
| Loan and lease loss provision to assets | 0.1046% | 2,294 |
| Net operating income to assets | 1.4270% | 1,079 |
| Return on assets (ROA) | 1.4270% | 1,115 |
| Pretax return on assets | 1.4270% | 1,898 |
| Return on Equity (ROE) | 16.8183% | 574 |
| Retained earnings to average equity (ytd only) | -2.0296% | 6,075 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1164% | 2,804 |
| Assets per employee ($millions) | 3.0893% | 5,614 |
| Cash dividends to net income (ytd only)* | 112.0680% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8903% | 5,630 |
| Loan loss allowance to noncurrent loans | 50.0000% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 1.7480% | 1,710 |
| Noncurrent loans to loans | 1.7806% | 1,820 |
| Net loans and leases to total assets | 82.3630% | 478 |
| Net loans and leases to deposits | 90.3745% | 1,389 |
| Net loans and leases to core deposits | 90.3745% | 2,186 |
| Total domestic deposits to total assets | 91.1353% | 327 |
| Equity capital to assets | 8.8231% | 5,528 |
| Core capital (leverage) ratio | 9.1419% | 4,864 |
| Tier 1 risk-based capital ratio | 11.6869% | 5,676 |
| Total risk-based capital ratio | 12.6669% | 5,766 |
| Memoranda: | ||
| Average total assets | $21,677,500 | 6,463 |
| Average earning assets | $19,962,250 | 6,446 |
| Average equity | $1,839,250 | 6,498 |
| Average total loans | $17,345,750 | 6,133 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9738% | 156 |
| Cost of funding earning assets | 0.3702% | 4,206 |
| Net interest margin | 5.6035% | 116 |
| Noninterest income to average assets | 0.4241% | 4,059 |
| Noninterest expense to average assets | 4.2406% | 577 |
| Loan and lease loss provision to assets | 0.1567% | 1,581 |
| Net operating income to assets | 1.1892% | 1,625 |
| Return on assets (ROA) | 1.1892% | 1,696 |
| Pretax return on assets | 1.1892% | 2,710 |
| Return on Equity (ROE) | 14.2045% | 918 |
| Retained earnings to average equity (ytd only) | -14.4247% | 6,485 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9076% | 2,658 |
| Assets per employee ($millions) | 2.5939% | 6,216 |
| Cash dividends to net income (ytd only)* | 201.5504% | 117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8923% | 5,743 |
| Loan loss allowance to noncurrent loans | 88.8889% | 3,913 |
| Noncurrent assets plus other real estate owned to assets | 0.8674% | 3,374 |
| Noncurrent loans to loans | 1.0038% | 3,226 |
| Net loans and leases to total assets | 85.6441% | 199 |
| Net loans and leases to deposits | 93.8431% | 970 |
| Net loans and leases to core deposits | 93.8431% | 1,793 |
| Total domestic deposits to total assets | 91.2631% | 321 |
| Equity capital to assets | 8.6984% | 5,615 |
| Core capital (leverage) ratio | 8.7621% | 5,326 |
| Tier 1 risk-based capital ratio | 11.1938% | 5,963 |
| Total risk-based capital ratio | 12.1860% | 6,019 |
| Memoranda: | ||
| Average total assets | $21,695,000 | 6,530 |
| Average earning assets | $19,987,330 | 6,510 |
| Average equity | $1,816,330 | 6,561 |
| Average total loans | $17,137,330 | 6,195 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6164% | 252 |
| Cost of funding earning assets | 0.3731% | 4,276 |
| Net interest margin | 5.2433% | 171 |
| Noninterest income to average assets | 0.6496% | 2,466 |
| Noninterest expense to average assets | 4.0060% | 754 |
| Loan and lease loss provision to assets | 0.1624% | 1,499 |
| Net operating income to assets | 1.2992% | 1,214 |
| Return on assets (ROA) | 1.2992% | 1,260 |
| Pretax return on assets | 1.2992% | 2,095 |
| Return on Equity (ROE) | 15.8068% | 661 |
| Retained earnings to average equity (ytd only) | -28.1010% | 6,612 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2673% | 3,267 |
| Assets per employee ($millions) | 2.6445% | 6,252 |
| Cash dividends to net income (ytd only)* | 277.7778% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8827% | 5,916 |
| Loan loss allowance to noncurrent loans | 83.5165% | 4,074 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 3,580 |
| Noncurrent loans to loans | 1.0570% | 3,309 |
| Net loans and leases to total assets | 80.6721% | 483 |
| Net loans and leases to deposits | 88.2472% | 1,327 |
| Net loans and leases to core deposits | 88.2472% | 2,063 |
| Total domestic deposits to total assets | 91.4161% | 408 |
| Equity capital to assets | 8.5460% | 5,603 |
| Core capital (leverage) ratio | 8.2557% | 5,889 |
| Tier 1 risk-based capital ratio | 11.4721% | 5,927 |
| Total risk-based capital ratio | 12.4365% | 6,029 |
| Memoranda: | ||
| Average total assets | $22,167,000 | 6,594 |
| Average earning assets | $20,369,000 | 6,573 |
| Average equity | $1,822,000 | 6,626 |
| Average total loans | $16,740,000 | 6,271 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4297% | 411 |
| Cost of funding earning assets | 0.5107% | 3,491 |
| Net interest margin | 4.9189% | 346 |
| Noninterest income to average assets | 1.4157% | 701 |
| Noninterest expense to average assets | 4.5951% | 484 |
| Loan and lease loss provision to assets | 0.0687% | 3,758 |
| Net operating income to assets | 1.2965% | 1,260 |
| Return on assets (ROA) | 1.2965% | 1,310 |
| Pretax return on assets | 1.2965% | 2,173 |
| Return on Equity (ROE) | 15.8615% | 638 |
| Retained earnings to average equity (ytd only) | 1.8496% | 4,920 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0945% | 2,606 |
| Assets per employee ($millions) | 2.5753% | 6,349 |
| Cash dividends to net income (ytd only)* | 88.3392% | 685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 5,984 |
| Loan loss allowance to noncurrent loans | 76.8817% | 4,272 |
| Noncurrent assets plus other real estate owned to assets | 0.8025% | 3,876 |
| Noncurrent loans to loans | 1.1438% | 3,254 |
| Net loans and leases to total assets | 69.5401% | 2,092 |
| Net loans and leases to deposits | 75.5543% | 3,021 |
| Net loans and leases to core deposits | 76.6830% | 3,534 |
| Total domestic deposits to total assets | 92.0399% | 278 |
| Equity capital to assets | 7.9213% | 6,076 |
| Core capital (leverage) ratio | 8.2454% | 5,930 |
| Tier 1 risk-based capital ratio | 11.3910% | 5,968 |
| Total risk-based capital ratio | 12.2782% | 6,103 |
| Memoranda: | ||
| Average total assets | $21,827,400 | 6,680 |
| Average earning assets | $20,167,000 | 6,652 |
| Average equity | $1,784,200 | 6,722 |
| Average total loans | $15,221,200 | 6,406 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3788% | 459 |
| Cost of funding earning assets | 0.5365% | 3,399 |
| Net interest margin | 4.8422% | 396 |
| Noninterest income to average assets | 1.7930% | 486 |
| Noninterest expense to average assets | 4.7215% | 431 |
| Loan and lease loss provision to assets | 0.0497% | 4,023 |
| Net operating income to assets | 1.5015% | 895 |
| Return on assets (ROA) | 1.5015% | 938 |
| Pretax return on assets | 1.5015% | 1,604 |
| Return on Equity (ROE) | 18.2165% | 422 |
| Retained earnings to average equity (ytd only) | -0.6024% | 6,060 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2720% | 2,852 |
| Assets per employee ($millions) | 2.4522% | 6,511 |
| Cash dividends to net income (ytd only)* | 103.3069% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8805% | 6,107 |
| Loan loss allowance to noncurrent loans | 72.3404% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 0.8518% | 3,987 |
| Noncurrent loans to loans | 1.2171% | 3,377 |
| Net loans and leases to total assets | 69.3702% | 2,071 |
| Net loans and leases to deposits | 75.5490% | 3,020 |
| Net loans and leases to core deposits | 76.7342% | 3,533 |
| Total domestic deposits to total assets | 91.8215% | 278 |
| Equity capital to assets | 8.1332% | 6,060 |
| Core capital (leverage) ratio | 8.3156% | 5,959 |
| Tier 1 risk-based capital ratio | 11.8591% | 5,867 |
| Total risk-based capital ratio | 12.7577% | 6,019 |
| Memoranda: | ||
| Average total assets | $21,489,750 | 6,757 |
| Average earning assets | $19,880,250 | 6,734 |
| Average equity | $1,771,250 | 6,803 |
| Average total loans | $14,961,250 | 6,479 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4570% | 402 |
| Cost of funding earning assets | 0.5568% | 3,344 |
| Net interest margin | 4.9002% | 368 |
| Noninterest income to average assets | 2.2727% | 369 |
| Noninterest expense to average assets | 4.8271% | 404 |
| Loan and lease loss provision to assets | 0.0751% | 3,545 |
| Net operating income to assets | 1.9158% | 412 |
| Return on assets (ROA) | 1.9158% | 449 |
| Pretax return on assets | 1.9158% | 730 |
| Return on Equity (ROE) | 23.1380% | 174 |
| Retained earnings to average equity (ytd only) | -5.2174% | 6,472 |
| Net charge-offs to loans | 0.0541% | 3,921 |
| Credit loss provision to net charge-offs | 200.0000% | 1,183 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 769 |
| Efficiency ratio | 70.7989% | 3,677 |
| Assets per employee ($millions) | 2.3876% | 6,587 |
| Cash dividends to net income (ytd only)* | 122.5490% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8476% | 6,257 |
| Loan loss allowance to noncurrent loans | 69.1099% | 4,450 |
| Noncurrent assets plus other real estate owned to assets | 0.8889% | 4,019 |
| Noncurrent loans to loans | 1.2264% | 3,506 |
| Net loans and leases to total assets | 71.8634% | 1,604 |
| Net loans and leases to deposits | 78.3023% | 2,530 |
| Net loans and leases to core deposits | 79.5610% | 3,076 |
| Total domestic deposits to total assets | 91.7768% | 304 |
| Equity capital to assets | 8.1767% | 6,073 |
| Core capital (leverage) ratio | 8.2446% | 5,966 |
| Tier 1 risk-based capital ratio | 11.7345% | 5,967 |
| Total risk-based capital ratio | 12.6160% | 6,136 |
| Memoranda: | ||
| Average total assets | $21,296,330 | 6,809 |
| Average earning assets | $19,754,330 | 6,784 |
| Average equity | $1,763,330 | 6,850 |
| Average total loans | $14,799,670 | 6,530 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0432% | 832 |
| Cost of funding earning assets | 0.5897% | 3,207 |
| Net interest margin | 4.4535% | 733 |
| Noninterest income to average assets | 1.6415% | 575 |
| Noninterest expense to average assets | 4.3207% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4528% | 952 |
| Return on assets (ROA) | 1.4528% | 1,030 |
| Pretax return on assets | 1.4528% | 1,705 |
| Return on Equity (ROE) | 17.4356% | 478 |
| Retained earnings to average equity (ytd only) | -16.5299% | 6,779 |
| Net charge-offs to loans | -0.0278% | 5,867 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8366% | 3,120 |
| Assets per employee ($millions) | 2.1210% | 6,810 |
| Cash dividends to net income (ytd only)* | 194.8052% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 6,202 |
| Loan loss allowance to noncurrent loans | 60.8491% | 4,685 |
| Noncurrent assets plus other real estate owned to assets | 0.9995% | 3,927 |
| Noncurrent loans to loans | 1.5176% | 3,273 |
| Net loans and leases to total assets | 65.2522% | 2,502 |
| Net loans and leases to deposits | 71.0874% | 3,313 |
| Net loans and leases to core deposits | 72.2414% | 3,789 |
| Total domestic deposits to total assets | 91.7916% | 287 |
| Equity capital to assets | 8.1565% | 6,293 |
| Core capital (leverage) ratio | 8.0796% | 6,070 |
| Tier 1 risk-based capital ratio | 12.4201% | 5,626 |
| Total risk-based capital ratio | 13.3463% | 5,804 |
| Memoranda: | ||
| Average total assets | $21,200,500 | 6,883 |
| Average earning assets | $19,670,000 | 6,860 |
| Average equity | $1,766,500 | 6,917 |
| Average total loans | $14,412,500 | 6,607 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2985% | 170 |
| Cost of funding earning assets | 0.7659% | 2,958 |
| Net interest margin | 5.5326% | 162 |
| Noninterest income to average assets | 3.0165% | 253 |
| Noninterest expense to average assets | 5.8605% | 234 |
| Loan and lease loss provision to assets | 0.0986% | 4,412 |
| Net operating income to assets | 2.1490% | 280 |
| Return on assets (ROA) | 2.1490% | 302 |
| Pretax return on assets | 2.1490% | 450 |
| Return on Equity (ROE) | 24.9943% | 128 |
| Retained earnings to average equity (ytd only) | 1.7198% | 5,003 |
| Net charge-offs to loans | 0.0588% | 5,105 |
| Credit loss provision to net charge-offs | 222.2222% | 1,130 |
| Earnings coverage of net charge-offs (x) | 50.6667% | 676 |
| Efficiency ratio | 72.2796% | 3,364 |
| Assets per employee ($millions) | 1.9265% | 6,921 |
| Cash dividends to net income (ytd only)* | 93.1193% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8616% | 6,368 |
| Loan loss allowance to noncurrent loans | 6,400.0000% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 6,664 |
| Noncurrent loans to loans | 0.0135% | 6,510 |
| Net loans and leases to total assets | 69.5012% | 1,939 |
| Net loans and leases to deposits | 76.0037% | 2,810 |
| Net loans and leases to core deposits | 76.0037% | 3,531 |
| Total domestic deposits to total assets | 91.4445% | 351 |
| Equity capital to assets | 8.5083% | 6,042 |
| Core capital (leverage) ratio | 8.4119% | 5,739 |
| Tier 1 risk-based capital ratio | 12.4991% | 5,482 |
| Total risk-based capital ratio | 13.3865% | 5,660 |
| Memoranda: | ||
| Average total assets | $20,288,200 | 6,952 |
| Average earning assets | $18,671,000 | 6,930 |
| Average equity | $1,744,400 | 6,991 |
| Average total loans | $15,293,400 | 6,638 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3947% | 156 |
| Cost of funding earning assets | 0.8165% | 2,809 |
| Net interest margin | 5.5782% | 160 |
| Noninterest income to average assets | 2.8975% | 261 |
| Noninterest expense to average assets | 5.4296% | 280 |
| Loan and lease loss provision to assets | 0.1263% | 3,973 |
| Net operating income to assets | 2.4722% | 186 |
| Return on assets (ROA) | 2.4722% | 201 |
| Pretax return on assets | 2.4722% | 310 |
| Return on Equity (ROE) | 28.6741% | 89 |
| Retained earnings to average equity (ytd only) | -2.6206% | 6,453 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6325% | 4,146 |
| Assets per employee ($millions) | 2.1122% | 6,959 |
| Cash dividends to net income (ytd only)* | 109.1393% | 254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8672% | 6,466 |
| Loan loss allowance to noncurrent loans | 13,600.0000% | 43 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 6,792 |
| Noncurrent loans to loans | 0.0064% | 6,664 |
| Net loans and leases to total assets | 73.6010% | 1,304 |
| Net loans and leases to deposits | 80.2540% | 2,350 |
| Net loans and leases to core deposits | 80.2540% | 3,177 |
| Total domestic deposits to total assets | 91.7101% | 248 |
| Equity capital to assets | 8.2331% | 6,467 |
| Core capital (leverage) ratio | 8.3682% | 5,927 |
| Tier 1 risk-based capital ratio | 11.7302% | 6,092 |
| Total risk-based capital ratio | 12.6476% | 6,252 |
| Memoranda: | ||
| Average total assets | $20,062,500 | 7,047 |
| Average earning assets | $18,452,250 | 7,021 |
| Average equity | $1,729,750 | 7,087 |
| Average total loans | $15,402,750 | 6,721 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5577% | 134 |
| Cost of funding earning assets | 0.8308% | 2,940 |
| Net interest margin | 5.7269% | 131 |
| Noninterest income to average assets | 2.2730% | 332 |
| Noninterest expense to average assets | 5.2361% | 325 |
| Loan and lease loss provision to assets | 0.1928% | 3,162 |
| Net operating income to assets | 2.0904% | 343 |
| Return on assets (ROA) | 2.0904% | 383 |
| Pretax return on assets | 2.0904% | 583 |
| Return on Equity (ROE) | 23.8610% | 184 |
| Retained earnings to average equity (ytd only) | 0.1158% | 6,001 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6356% | 3,827 |
| Assets per employee ($millions) | 1.8316% | 7,097 |
| Cash dividends to net income (ytd only)* | 99.5146% | 429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8802% | 6,508 |
| Loan loss allowance to noncurrent loans | 13,600.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0050% | 6,847 |
| Noncurrent loans to loans | 0.0065% | 6,705 |
| Net loans and leases to total assets | 76.0125% | 967 |
| Net loans and leases to deposits | 83.4150% | 1,928 |
| Net loans and leases to core deposits | 83.4150% | 2,767 |
| Total domestic deposits to total assets | 91.1257% | 411 |
| Equity capital to assets | 8.8048% | 5,907 |
| Core capital (leverage) ratio | 8.8985% | 5,052 |
| Tier 1 risk-based capital ratio | 12.2913% | 5,733 |
| Total risk-based capital ratio | 13.2336% | 5,919 |
| Memoranda: | ||
| Average total assets | $19,709,330 | 7,111 |
| Average earning assets | $18,055,000 | 7,089 |
| Average equity | $1,726,670 | 7,140 |
| Average total loans | $15,309,670 | 6,782 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3033% | 207 |
| Cost of funding earning assets | 0.8300% | 3,228 |
| Net interest margin | 5.4733% | 193 |
| Noninterest income to average assets | 2.0523% | 394 |
| Noninterest expense to average assets | 4.4946% | 553 |
| Loan and lease loss provision to assets | 0.3079% | 2,043 |
| Net operating income to assets | 2.2576% | 254 |
| Return on assets (ROA) | 2.2576% | 309 |
| Pretax return on assets | 2.2576% | 485 |
| Return on Equity (ROE) | 25.8368% | 168 |
| Retained earnings to average equity (ytd only) | -22.3136% | 7,074 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6628% | 4,991 |
| Assets per employee ($millions) | 2.0016% | 7,119 |
| Cash dividends to net income (ytd only)* | 186.3636% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8044% | 6,730 |
| Loan loss allowance to noncurrent loans | 6,600.0000% | 87 |
| Noncurrent assets plus other real estate owned to assets | 0.0100% | 6,905 |
| Noncurrent loans to loans | 0.0122% | 6,758 |
| Net loans and leases to total assets | 81.3199% | 316 |
| Net loans and leases to deposits | 88.8289% | 1,074 |
| Net loans and leases to core deposits | 88.8289% | 1,970 |
| Total domestic deposits to total assets | 91.5468% | 364 |
| Equity capital to assets | 8.3833% | 6,192 |
| Core capital (leverage) ratio | 8.7505% | 5,199 |
| Tier 1 risk-based capital ratio | 11.1318% | 6,479 |
| Total risk-based capital ratio | 12.0074% | 6,630 |
| Memoranda: | ||
| Average total assets | $19,490,000 | 7,176 |
| Average earning assets | $17,832,000 | 7,152 |
| Average equity | $1,703,000 | 7,201 |
| Average total loans | $15,239,000 | 6,840 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3748% | 224 |
| Cost of funding earning assets | 1.0948% | 2,705 |
| Net interest margin | 5.2800% | 248 |
| Noninterest income to average assets | 2.1595% | 336 |
| Noninterest expense to average assets | 5.5954% | 251 |
| Loan and lease loss provision to assets | 0.0855% | 5,533 |
| Net operating income to assets | 1.2877% | 1,279 |
| Return on assets (ROA) | 1.2877% | 1,381 |
| Pretax return on assets | 1.2877% | 2,179 |
| Return on Equity (ROE) | 14.1782% | 891 |
| Retained earnings to average equity (ytd only) | 7.5910% | 1,232 |
| Net charge-offs to loans | 0.0314% | 6,012 |
| Credit loss provision to net charge-offs | 375.0000% | 621 |
| Earnings coverage of net charge-offs (x) | 60.2500% | 477 |
| Efficiency ratio | 80.2944% | 2,265 |
| Assets per employee ($millions) | 2.3705% | 6,940 |
| Cash dividends to net income (ytd only)* | 46.4602% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8316% | 6,681 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 73.5710% | 1,343 |
| Net loans and leases to deposits | 81.0268% | 2,355 |
| Net loans and leases to core deposits | 81.0268% | 3,313 |
| Total domestic deposits to total assets | 90.7984% | 588 |
| Equity capital to assets | 9.1120% | 5,398 |
| Core capital (leverage) ratio | 9.3730% | 4,221 |
| Tier 1 risk-based capital ratio | 12.9380% | 5,121 |
| Total risk-based capital ratio | 13.8140% | 5,387 |
| Memoranda: | ||
| Average total assets | $17,550,200 | 7,249 |
| Average earning assets | $15,984,800 | 7,232 |
| Average equity | $1,594,000 | 7,276 |
| Average total loans | $12,749,400 | 7,002 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4975% | 194 |
| Cost of funding earning assets | 1.1441% | 2,667 |
| Net interest margin | 5.3534% | 223 |
| Noninterest income to average assets | 2.1631% | 341 |
| Noninterest expense to average assets | 5.5745% | 248 |
| Loan and lease loss provision to assets | 0.0543% | 5,768 |
| Net operating income to assets | 1.3956% | 1,162 |
| Return on assets (ROA) | 1.3956% | 1,240 |
| Pretax return on assets | 1.3956% | 1,952 |
| Return on Equity (ROE) | 15.3790% | 770 |
| Retained earnings to average equity (ytd only) | 6.4082% | 2,288 |
| Net charge-offs to loans | 0.0429% | 5,555 |
| Credit loss provision to net charge-offs | 175.0000% | 1,701 |
| Earnings coverage of net charge-offs (x) | 46.7786% | 685 |
| Efficiency ratio | 79.3598% | 2,353 |
| Assets per employee ($millions) | 2.1376% | 7,181 |
| Cash dividends to net income (ytd only)* | 58.3358% | 1,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8783% | 6,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 63.9464% | 3,317 |
| Net loans and leases to deposits | 70.1608% | 4,276 |
| Net loans and leases to core deposits | 70.1608% | 4,935 |
| Total domestic deposits to total assets | 91.1425% | 394 |
| Equity capital to assets | 8.7431% | 6,038 |
| Core capital (leverage) ratio | 9.4595% | 4,216 |
| Tier 1 risk-based capital ratio | 13.9135% | 4,411 |
| Total risk-based capital ratio | 14.8151% | 4,660 |
| Memoranda: | ||
| Average total assets | $17,196,750 | 7,328 |
| Average earning assets | $15,615,750 | 7,314 |
| Average equity | $1,560,500 | 7,352 |
| Average total loans | $12,419,500 | 7,083 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0078% | 103 |
| Cost of funding earning assets | 1.2193% | 2,446 |
| Net interest margin | 5.7884% | 113 |
| Noninterest income to average assets | 1.9133% | 387 |
| Noninterest expense to average assets | 5.7398% | 233 |
| Loan and lease loss provision to assets | 0.0848% | 5,250 |
| Net operating income to assets | 1.3199% | 1,271 |
| Return on assets (ROA) | 1.3199% | 1,345 |
| Pretax return on assets | 1.3199% | 2,076 |
| Return on Equity (ROE) | 14.3421% | 911 |
| Retained earnings to average equity (ytd only) | 0.5263% | 5,642 |
| Net charge-offs to loans | 0.0644% | 4,997 |
| Credit loss provision to net charge-offs | 175.0000% | 1,719 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 950 |
| Efficiency ratio | 80.3390% | 2,331 |
| Assets per employee ($millions) | 1.5580% | 7,402 |
| Cash dividends to net income (ytd only)* | 96.3303% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8856% | 6,698 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 71.1810% | 1,963 |
| Net loans and leases to deposits | 78.6626% | 3,010 |
| Net loans and leases to core deposits | 78.6626% | 3,978 |
| Total domestic deposits to total assets | 90.4890% | 717 |
| Equity capital to assets | 9.4002% | 4,970 |
| Core capital (leverage) ratio | 9.2289% | 4,354 |
| Tier 1 risk-based capital ratio | 13.4015% | 4,609 |
| Total risk-based capital ratio | 14.3083% | 4,853 |
| Memoranda: | ||
| Average total assets | $16,516,330 | 7,413 |
| Average earning assets | $14,926,330 | 7,399 |
| Average equity | $1,520,000 | 7,436 |
| Average total loans | $12,422,330 | 7,149 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4568% | 79 |
| Cost of funding earning assets | 1.2247% | 2,658 |
| Net interest margin | 6.2321% | 81 |
| Noninterest income to average assets | 1.3576% | 699 |
| Noninterest expense to average assets | 5.7265% | 226 |
| Loan and lease loss provision to assets | 0.1728% | 3,900 |
| Net operating income to assets | 1.1107% | 1,805 |
| Return on assets (ROA) | 1.1107% | 1,861 |
| Pretax return on assets | 1.1107% | 2,722 |
| Return on Equity (ROE) | 12.2075% | 1,405 |
| Retained earnings to average equity (ytd only) | -16.2767% | 7,072 |
| Net charge-offs to loans | 0.1282% | 3,746 |
| Credit loss provision to net charge-offs | 175.0000% | 1,668 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,466 |
| Efficiency ratio | 81.6901% | 2,272 |
| Assets per employee ($millions) | 1.7173% | 7,440 |
| Cash dividends to net income (ytd only)* | 233.3333% | 150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8564% | 6,811 |
| Loan loss allowance to noncurrent loans | 573.6842% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.1106% | 6,890 |
| Noncurrent loans to loans | 0.1493% | 6,679 |
| Net loans and leases to total assets | 73.4816% | 1,424 |
| Net loans and leases to deposits | 80.9949% | 2,526 |
| Net loans and leases to core deposits | 80.9949% | 3,602 |
| Total domestic deposits to total assets | 90.7238% | 753 |
| Equity capital to assets | 9.0083% | 5,197 |
| Core capital (leverage) ratio | 9.5831% | 3,680 |
| Tier 1 risk-based capital ratio | 12.5456% | 5,227 |
| Total risk-based capital ratio | 13.4296% | 5,521 |
| Memoranda: | ||
| Average total assets | $16,205,500 | 7,478 |
| Average earning assets | $14,698,000 | 7,460 |
| Average equity | $1,474,500 | 7,490 |
| Average total loans | $12,479,500 | 7,203 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9100% | 160 |
| Cost of funding earning assets | 1.3895% | 3,340 |
| Net interest margin | 5.5205% | 167 |
| Noninterest income to average assets | 1.2880% | 887 |
| Noninterest expense to average assets | 5.5318% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7389% | 3,054 |
| Return on assets (ROA) | 0.7389% | 3,183 |
| Pretax return on assets | 0.7389% | 3,836 |
| Return on Equity (ROE) | 8.0789% | 2,673 |
| Retained earnings to average equity (ytd only) | 4.3730% | 2,786 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2162% | 1,463 |
| Assets per employee ($millions) | 1.5238% | 7,547 |
| Cash dividends to net income (ytd only)* | 45.8716% | 2,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8667% | 6,806 |
| Loan loss allowance to noncurrent loans | 481.8182% | 665 |
| Noncurrent assets plus other real estate owned to assets | 0.1444% | 6,871 |
| Noncurrent loans to loans | 0.1799% | 6,708 |
| Net loans and leases to total assets | 79.5708% | 719 |
| Net loans and leases to deposits | 88.0218% | 1,787 |
| Net loans and leases to core deposits | 88.0218% | 3,047 |
| Total domestic deposits to total assets | 90.3990% | 888 |
| Equity capital to assets | 9.2007% | 4,842 |
| Core capital (leverage) ratio | 9.1140% | 4,328 |
| Tier 1 risk-based capital ratio | 11.9809% | 5,491 |
| Total risk-based capital ratio | 12.8867% | 5,785 |
| Memoranda: | ||
| Average total assets | $14,751,200 | 7,573 |
| Average earning assets | $13,314,000 | 7,561 |
| Average equity | $1,349,200 | 7,600 |
| Average total loans | $11,497,000 | 7,330 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8240% | 193 |
| Cost of funding earning assets | 1.4174% | 3,472 |
| Net interest margin | 5.4066% | 203 |
| Noninterest income to average assets | 1.0845% | 1,212 |
| Noninterest expense to average assets | 5.2586% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.6926% | 3,449 |
| Return on assets (ROA) | 0.6926% | 3,608 |
| Pretax return on assets | 0.6926% | 4,253 |
| Return on Equity (ROE) | 7.5846% | 3,068 |
| Retained earnings to average equity (ytd only) | 2.5951% | 4,602 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3614% | 1,426 |
| Assets per employee ($millions) | 1.6961% | 7,620 |
| Cash dividends to net income (ytd only)* | 65.7949% | 1,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8858% | 6,785 |
| Loan loss allowance to noncurrent loans | 392.5926% | 758 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 6,914 |
| Noncurrent loans to loans | 0.2256% | 6,728 |
| Net loans and leases to total assets | 77.6941% | 1,089 |
| Net loans and leases to deposits | 85.6813% | 2,411 |
| Net loans and leases to core deposits | 85.6813% | 3,703 |
| Total domestic deposits to total assets | 90.6780% | 560 |
| Equity capital to assets | 8.9682% | 5,622 |
| Core capital (leverage) ratio | 9.4872% | 3,925 |
| Tier 1 risk-based capital ratio | 11.8600% | 5,585 |
| Total risk-based capital ratio | 12.7783% | 5,893 |
| Memoranda: | ||
| Average total assets | $14,629,500 | 7,675 |
| Average earning assets | $13,168,750 | 7,661 |
| Average equity | $1,336,000 | 7,701 |
| Average total loans | $11,313,500 | 7,433 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5620% | 308 |
| Cost of funding earning assets | 1.4446% | 3,593 |
| Net interest margin | 5.1174% | 329 |
| Noninterest income to average assets | 0.8323% | 1,962 |
| Noninterest expense to average assets | 4.9800% | 383 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.4716% | 4,454 |
| Return on assets (ROA) | 0.4716% | 4,610 |
| Pretax return on assets | 0.4716% | 4,997 |
| Return on Equity (ROE) | 5.1321% | 4,225 |
| Retained earnings to average equity (ytd only) | -2.4151% | 6,212 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3486% | 1,230 |
| Assets per employee ($millions) | 1.7303% | 7,677 |
| Cash dividends to net income (ytd only)* | 147.0588% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 6,706 |
| Loan loss allowance to noncurrent loans | 504.7619% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 7,010 |
| Noncurrent loans to loans | 0.1812% | 6,889 |
| Net loans and leases to total assets | 82.9432% | 444 |
| Net loans and leases to deposits | 91.9731% | 1,534 |
| Net loans and leases to core deposits | 91.9731% | 2,992 |
| Total domestic deposits to total assets | 90.1821% | 825 |
| Equity capital to assets | 9.5868% | 4,572 |
| Core capital (leverage) ratio | 9.4657% | 3,867 |
| Tier 1 risk-based capital ratio | 12.3007% | 5,041 |
| Total risk-based capital ratio | 13.2833% | 5,243 |
| Memoranda: | ||
| Average total assets | $14,417,670 | 7,743 |
| Average earning assets | $13,014,330 | 7,726 |
| Average equity | $1,325,000 | 7,767 |
| Average total loans | $11,096,000 | 7,497 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3193% | 511 |
| Cost of funding earning assets | 1.4376% | 3,947 |
| Net interest margin | 4.8817% | 543 |
| Noninterest income to average assets | 0.6800% | 2,738 |
| Noninterest expense to average assets | 4.7873% | 442 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3264% | 5,184 |
| Return on assets (ROA) | 0.3264% | 5,313 |
| Pretax return on assets | 0.3264% | 5,536 |
| Return on Equity (ROE) | 3.6254% | 5,065 |
| Retained earnings to average equity (ytd only) | -11.4804% | 7,043 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6170% | 1,158 |
| Assets per employee ($millions) | 2.0181% | 7,659 |
| Cash dividends to net income (ytd only)* | 416.6667% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9747% | 6,577 |
| Loan loss allowance to noncurrent loans | 378.5714% | 831 |
| Noncurrent assets plus other real estate owned to assets | 0.1982% | 6,969 |
| Noncurrent loans to loans | 0.2575% | 6,814 |
| Net loans and leases to total assets | 76.2299% | 1,493 |
| Net loans and leases to deposits | 84.1525% | 2,914 |
| Net loans and leases to core deposits | 84.1525% | 4,178 |
| Total domestic deposits to total assets | 90.5854% | 698 |
| Equity capital to assets | 9.2376% | 4,935 |
| Core capital (leverage) ratio | 9.1265% | 4,330 |
| Tier 1 risk-based capital ratio | 12.3090% | 4,892 |
| Total risk-based capital ratio | 13.3088% | 5,102 |
| Memoranda: | ||
| Average total assets | $14,705,500 | 7,839 |
| Average earning assets | $13,356,000 | 7,822 |
| Average equity | $1,324,000 | 7,851 |
| Average total loans | $10,850,500 | 7,607 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8900% | 326 |
| Cost of funding earning assets | 1.7781% | 4,112 |
| Net interest margin | 5.1119% | 353 |
| Noninterest income to average assets | 1.2080% | 1,056 |
| Noninterest expense to average assets | 5.1342% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.7047% | 2,910 |
| Return on assets (ROA) | 0.7047% | 2,981 |
| Pretax return on assets | 0.7047% | 3,556 |
| Return on Equity (ROE) | 7.8605% | 2,430 |
| Retained earnings to average equity (ytd only) | -0.3743% | 5,053 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9310% | 1,889 |
| Assets per employee ($millions) | 1.9105% | 7,777 |
| Cash dividends to net income (ytd only)* | 104.7619% | 559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9791% | 6,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 70.1387% | 3,224 |
| Net loans and leases to deposits | 77.1445% | 4,538 |
| Net loans and leases to core deposits | 104.7591% | 3,479 |
| Total domestic deposits to total assets | 90.9186% | 566 |
| Equity capital to assets | 8.7870% | 5,459 |
| Core capital (leverage) ratio | 8.8776% | 4,628 |
| Tier 1 risk-based capital ratio | 12.5773% | 4,464 |
| Total risk-based capital ratio | 13.5700% | 4,623 |
| Memoranda: | ||
| Average total assets | $14,900,200 | 7,897 |
| Average earning assets | $13,497,800 | 7,884 |
| Average equity | $1,335,800 | 7,946 |
| Average total loans | $10,652,000 | 7,672 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1785% | 235 |
| Cost of funding earning assets | 1.8095% | 4,343 |
| Net interest margin | 5.3690% | 223 |
| Noninterest income to average assets | 0.7295% | 2,826 |
| Noninterest expense to average assets | 4.7643% | 580 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.8285% | 2,699 |
| Return on assets (ROA) | 0.8285% | 2,762 |
| Pretax return on assets | 0.8285% | 3,448 |
| Return on Equity (ROE) | 9.1949% | 2,189 |
| Retained earnings to average equity (ytd only) | -1.7991% | 5,680 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1852% | 2,159 |
| Assets per employee ($millions) | 2.0521% | 7,757 |
| Cash dividends to net income (ytd only)* | 119.5663% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9670% | 6,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 75.5726% | 2,085 |
| Net loans and leases to deposits | 83.8690% | 3,671 |
| Net loans and leases to core deposits | 114.6841% | 2,762 |
| Total domestic deposits to total assets | 90.1079% | 728 |
| Equity capital to assets | 9.2586% | 5,082 |
| Core capital (leverage) ratio | 9.2061% | 4,326 |
| Tier 1 risk-based capital ratio | 12.5448% | 4,503 |
| Total risk-based capital ratio | 13.5446% | 4,653 |
| Memoranda: | ||
| Average total assets | $14,804,250 | 7,980 |
| Average earning assets | $13,410,000 | 7,970 |
| Average equity | $1,334,000 | 8,031 |
| Average total loans | $10,608,500 | 7,754 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0717% | 282 |
| Cost of funding earning assets | 1.8493% | 4,514 |
| Net interest margin | 5.2224% | 287 |
| Noninterest income to average assets | 0.3746% | 5,511 |
| Noninterest expense to average assets | 4.3744% | 869 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.7224% | 3,159 |
| Return on assets (ROA) | 0.7224% | 3,266 |
| Pretax return on assets | 0.7224% | 3,927 |
| Return on Equity (ROE) | 8.0879% | 2,734 |
| Retained earnings to average equity (ytd only) | -0.8987% | 5,452 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8268% | 2,245 |
| Assets per employee ($millions) | 1.8148% | 7,963 |
| Cash dividends to net income (ytd only)* | 111.1111% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9808% | 6,374 |
| Loan loss allowance to noncurrent loans | 58.8889% | 4,523 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 4,461 |
| Noncurrent loans to loans | 1.6654% | 3,995 |
| Net loans and leases to total assets | 73.7154% | 2,780 |
| Net loans and leases to deposits | 81.4150% | 4,316 |
| Net loans and leases to core deposits | 106.6574% | 3,759 |
| Total domestic deposits to total assets | 90.5428% | 610 |
| Equity capital to assets | 9.2437% | 4,945 |
| Core capital (leverage) ratio | 8.9562% | 4,704 |
| Tier 1 risk-based capital ratio | 12.6116% | 4,433 |
| Total risk-based capital ratio | 13.6077% | 4,557 |
| Memoranda: | ||
| Average total assets | $14,950,670 | 8,065 |
| Average earning assets | $13,518,670 | 8,054 |
| Average equity | $1,335,330 | 8,114 |
| Average total loans | $10,490,670 | 7,838 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9771% | 356 |
| Cost of funding earning assets | 1.9267% | 4,500 |
| Net interest margin | 5.0504% | 360 |
| Noninterest income to average assets | 0.3956% | 5,248 |
| Noninterest expense to average assets | 4.2197% | 922 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7384% | 3,398 |
| Return on assets (ROA) | 0.7384% | 3,579 |
| Pretax return on assets | 0.7384% | 4,291 |
| Return on Equity (ROE) | 8.4084% | 2,964 |
| Retained earnings to average equity (ytd only) | -9.6096% | 7,074 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1064% | 2,181 |
| Assets per employee ($millions) | 1.9156% | 7,950 |
| Cash dividends to net income (ytd only)* | 214.2857% | 263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 6,215 |
| Loan loss allowance to noncurrent loans | 10,600.0000% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 7,627 |
| Noncurrent loans to loans | 0.0094% | 7,542 |
| Net loans and leases to total assets | 68.7765% | 3,956 |
| Net loans and leases to deposits | 75.4150% | 5,298 |
| Net loans and leases to core deposits | 103.7402% | 4,167 |
| Total domestic deposits to total assets | 91.1974% | 354 |
| Equity capital to assets | 8.5873% | 5,937 |
| Core capital (leverage) ratio | 8.5963% | 5,349 |
| Tier 1 risk-based capital ratio | 12.2339% | 4,764 |
| Total risk-based capital ratio | 13.2193% | 4,882 |
| Memoranda: | ||
| Average total assets | $15,167,000 | 8,113 |
| Average earning assets | $13,702,000 | 8,096 |
| Average equity | $1,332,000 | 8,175 |
| Average total loans | $10,332,000 | 7,895 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9917% | 1,155 |
| Cost of funding earning assets | 2.3282% | 5,016 |
| Net interest margin | 4.6635% | 1,037 |
| Noninterest income to average assets | 0.6795% | 3,253 |
| Noninterest expense to average assets | 4.0895% | 1,297 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.7613% | 3,610 |
| Return on assets (ROA) | 0.7613% | 3,455 |
| Pretax return on assets | 0.7613% | 4,211 |
| Return on Equity (ROE) | 8.9963% | 2,646 |
| Retained earnings to average equity (ytd only) | -1.4126% | 5,714 |
| Net charge-offs to loans | 0.2577% | 3,698 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 4.3214% | 4,022 |
| Efficiency ratio | 84.3061% | 2,020 |
| Assets per employee ($millions) | 2.1441% | 7,778 |
| Cash dividends to net income (ytd only)* | 115.7025% | 731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0581% | 5,557 |
| Loan loss allowance to noncurrent loans | 10,600.0000% | 59 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 7,619 |
| Noncurrent loans to loans | 0.0100% | 7,511 |
| Net loans and leases to total assets | 66.0404% | 4,842 |
| Net loans and leases to deposits | 72.7273% | 5,975 |
| Net loans and leases to core deposits | 95.3077% | 5,313 |
| Total domestic deposits to total assets | 90.8055% | 386 |
| Equity capital to assets | 8.9813% | 5,392 |
| Core capital (leverage) ratio | 8.7675% | 5,088 |
| Tier 1 risk-based capital ratio | 12.8222% | 4,205 |
| Total risk-based capital ratio | 13.8305% | 4,291 |
| Memoranda: | ||
| Average total assets | $15,894,400 | 8,140 |
| Average earning assets | $14,216,800 | 8,130 |
| Average equity | $1,345,000 | 8,236 |
| Average total loans | $10,866,400 | 7,898 |