Home > First State Bank of Fertile > Performance and Condition Ratios
First State Bank of Fertile, Performance and Condition Ratios
| 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 | 3.5361% | 4,898 |
| Cost of funding earning assets | 0.2198% | 5,190 |
| Net interest margin | 3.3163% | 4,276 |
| Noninterest income to average assets | 0.2078% | 5,403 |
| Noninterest expense to average assets | 3.1391% | 2,118 |
| Loan and lease loss provision to assets | 0.0538% | 3,119 |
| Net operating income to assets | 0.0919% | 5,858 |
| Return on assets (ROA) | 0.0681% | 5,916 |
| Pretax return on assets | 0.0717% | 5,914 |
| Return on Equity (ROE) | 0.5021% | 5,922 |
| Retained earnings to average equity (ytd only) | 0.5021% | 5,476 |
| Net charge-offs to loans | 0.0955% | 2,198 |
| Credit loss provision to net charge-offs | 150.0000% | 1,674 |
| Earnings coverage of net charge-offs (x) | 4.2011% | 3,383 |
| Efficiency ratio | 95.4248% | 432 |
| Assets per employee ($millions) | 4.5721% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 5,083 |
| Loan loss allowance to noncurrent loans | 94.2029% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 0.3773% | 4,257 |
| Noncurrent loans to loans | 0.9852% | 2,525 |
| Net loans and leases to total assets | 37.9419% | 5,707 |
| Net loans and leases to deposits | 44.1356% | 5,717 |
| Net loans and leases to core deposits | 44.1356% | 5,790 |
| Total domestic deposits to total assets | 85.9666% | 2,538 |
| Equity capital to assets | 13.9459% | 1,047 |
| Core capital (leverage) ratio | 13.6753% | 950 |
| Tier 1 risk-based capital ratio | 29.7650% | 539 |
| Total risk-based capital ratio | 30.5288% | 551 |
| Memoranda: | ||
| Average total assets | $37,206,750 | 5,902 |
| Average earning assets | $34,576,000 | 5,877 |
| Average equity | $5,044,750 | 5,715 |
| Average total loans | $13,952,750 | 6,000 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5478% | 4,863 |
| Cost of funding earning assets | 0.2265% | 5,177 |
| Net interest margin | 3.3214% | 4,207 |
| Noninterest income to average assets | 0.2031% | 5,466 |
| Noninterest expense to average assets | 2.8490% | 3,070 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4059% | 5,117 |
| Return on assets (ROA) | 0.3688% | 5,349 |
| Pretax return on assets | 0.3742% | 5,527 |
| Return on Equity (ROE) | 2.7457% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.7457% | 4,307 |
| Net charge-offs to loans | -0.0144% | 5,045 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3770% | 953 |
| Assets per employee ($millions) | 4.5524% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9050% | 5,281 |
| Loan loss allowance to noncurrent loans | 121.1538% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2856% | 4,737 |
| Noncurrent loans to loans | 0.7470% | 3,245 |
| Net loans and leases to total assets | 37.8841% | 5,744 |
| Net loans and leases to deposits | 43.9773% | 5,766 |
| Net loans and leases to core deposits | 43.9773% | 5,836 |
| Total domestic deposits to total assets | 86.1446% | 2,611 |
| Equity capital to assets | 13.7758% | 1,065 |
| Core capital (leverage) ratio | 13.7469% | 919 |
| Tier 1 risk-based capital ratio | 30.0982% | 541 |
| Total risk-based capital ratio | 30.8394% | 556 |
| Memoranda: | ||
| Average total assets | $37,416,670 | 5,963 |
| Average earning assets | $34,443,670 | 5,946 |
| Average equity | $5,026,000 | 5,774 |
| Average total loans | $13,934,330 | 6,064 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5953% | 4,707 |
| Cost of funding earning assets | 0.2218% | 5,303 |
| Net interest margin | 3.3735% | 3,938 |
| Noninterest income to average assets | 0.1793% | 5,641 |
| Noninterest expense to average assets | 2.8273% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3881% | 5,116 |
| Return on assets (ROA) | 0.3165% | 5,460 |
| Pretax return on assets | 0.3270% | 5,582 |
| Return on Equity (ROE) | 2.3854% | 5,580 |
| Retained earnings to average equity (ytd only) | 2.3854% | 4,499 |
| Net charge-offs to loans | -0.0574% | 5,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5817% | 1,048 |
| Assets per employee ($millions) | 4.6168% | 2,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9485% | 5,255 |
| Loan loss allowance to noncurrent loans | 160.7595% | 2,644 |
| Noncurrent assets plus other real estate owned to assets | 0.2139% | 5,092 |
| Noncurrent loans to loans | 0.5900% | 3,808 |
| Net loans and leases to total assets | 35.9073% | 5,833 |
| Net loans and leases to deposits | 41.7701% | 5,846 |
| Net loans and leases to core deposits | 41.7701% | 5,921 |
| Total domestic deposits to total assets | 85.9642% | 2,961 |
| Equity capital to assets | 13.9384% | 1,002 |
| Core capital (leverage) ratio | 13.7820% | 889 |
| Tier 1 risk-based capital ratio | 30.7865% | 504 |
| Total risk-based capital ratio | 31.5566% | 520 |
| Memoranda: | ||
| Average total assets | $37,915,500 | 6,005 |
| Average earning assets | $34,267,000 | 6,010 |
| Average equity | $5,030,500 | 5,829 |
| Average total loans | $13,940,000 | 6,118 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8153% | 4,442 |
| Cost of funding earning assets | 0.2502% | 5,320 |
| Net interest margin | 3.5650% | 3,541 |
| Noninterest income to average assets | 0.2407% | 5,401 |
| Noninterest expense to average assets | 3.0877% | 2,565 |
| Loan and lease loss provision to assets | 0.5224% | 285 |
| Net operating income to assets | -0.0602% | 6,130 |
| Return on assets (ROA) | -0.0602% | 6,138 |
| Pretax return on assets | -0.0574% | 6,122 |
| Return on Equity (ROE) | -0.4621% | 6,132 |
| Retained earnings to average equity (ytd only) | -3.4449% | 6,115 |
| Net charge-offs to loans | 0.9983% | 303 |
| Credit loss provision to net charge-offs | 134.5070% | 1,759 |
| Earnings coverage of net charge-offs (x) | 1.1972% | 4,475 |
| Efficiency ratio | 86.9130% | 1,089 |
| Assets per employee ($millions) | 4.8621% | 2,522 |
| Cash dividends to net income (ytd only)* | -645.4545% | 6,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8626% | 5,593 |
| Loan loss allowance to noncurrent loans | 694.4444% | 820 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 5,849 |
| Noncurrent loans to loans | 0.1242% | 5,406 |
| Net loans and leases to total assets | 36.9334% | 5,903 |
| Net loans and leases to deposits | 42.3139% | 5,960 |
| Net loans and leases to core deposits | 42.3139% | 6,022 |
| Total domestic deposits to total assets | 87.2844% | 2,133 |
| Equity capital to assets | 12.6308% | 1,577 |
| Core capital (leverage) ratio | 13.0821% | 1,104 |
| Tier 1 risk-based capital ratio | 25.5919% | 792 |
| Total risk-based capital ratio | 26.2256% | 829 |
| Memoranda: | ||
| Average total assets | $36,564,800 | 6,114 |
| Average earning assets | $33,968,800 | 6,089 |
| Average equity | $4,760,600 | 5,916 |
| Average total loans | $14,224,000 | 6,181 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7836% | 4,600 |
| Cost of funding earning assets | 0.2541% | 5,367 |
| Net interest margin | 3.5296% | 3,717 |
| Noninterest income to average assets | 0.2557% | 5,390 |
| Noninterest expense to average assets | 3.0904% | 2,498 |
| Loan and lease loss provision to assets | 0.0222% | 3,963 |
| Net operating income to assets | 0.4854% | 4,923 |
| Return on assets (ROA) | 0.4854% | 4,994 |
| Pretax return on assets | 0.4891% | 5,351 |
| Return on Equity (ROE) | 3.6985% | 5,278 |
| Retained earnings to average equity (ytd only) | -0.3106% | 5,849 |
| Net charge-offs to loans | 0.0094% | 4,399 |
| Credit loss provision to net charge-offs | 600.0000% | 494 |
| Earnings coverage of net charge-offs (x) | 138.3459% | 441 |
| Efficiency ratio | 85.8025% | 1,199 |
| Assets per employee ($millions) | 4.3825% | 3,158 |
| Cash dividends to net income (ytd only)* | 108.3992% | 283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5582% | 6,277 |
| Loan loss allowance to noncurrent loans | 124.6154% | 3,142 |
| Noncurrent assets plus other real estate owned to assets | 0.1854% | 5,471 |
| Noncurrent loans to loans | 0.4480% | 4,555 |
| Net loans and leases to total assets | 41.1552% | 5,738 |
| Net loans and leases to deposits | 48.3691% | 5,748 |
| Net loans and leases to core deposits | 48.3691% | 5,867 |
| Total domestic deposits to total assets | 85.0856% | 3,309 |
| Equity capital to assets | 14.0445% | 990 |
| Core capital (leverage) ratio | 14.5356% | 713 |
| Tier 1 risk-based capital ratio | 27.4590% | 678 |
| Total risk-based capital ratio | 27.8866% | 717 |
| Memoranda: | ||
| Average total assets | $35,981,750 | 6,202 |
| Average earning assets | $34,110,750 | 6,161 |
| Average equity | $4,722,500 | 5,987 |
| Average total loans | $14,157,250 | 6,254 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7180% | 4,804 |
| Cost of funding earning assets | 0.2560% | 5,423 |
| Net interest margin | 3.4620% | 3,928 |
| Noninterest income to average assets | 0.2535% | 5,381 |
| Noninterest expense to average assets | 3.0588% | 2,632 |
| Loan and lease loss provision to assets | 0.0331% | 3,625 |
| Net operating income to assets | 0.4354% | 5,076 |
| Return on assets (ROA) | 0.4354% | 5,157 |
| Pretax return on assets | 0.4409% | 5,445 |
| Return on Equity (ROE) | 3.3940% | 5,385 |
| Retained earnings to average equity (ytd only) | -1.9333% | 5,984 |
| Net charge-offs to loans | 0.1567% | 2,137 |
| Credit loss provision to net charge-offs | 54.5455% | 2,722 |
| Earnings coverage of net charge-offs (x) | 7.8182% | 2,575 |
| Efficiency ratio | 86.5835% | 1,214 |
| Assets per employee ($millions) | 4.4374% | 3,027 |
| Cash dividends to net income (ytd only)* | 156.9620% | 192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4922% | 6,419 |
| Loan loss allowance to noncurrent loans | 71.0000% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 0.2817% | 5,238 |
| Noncurrent loans to loans | 0.6933% | 3,985 |
| Net loans and leases to total assets | 40.4321% | 5,784 |
| Net loans and leases to deposits | 47.5958% | 5,794 |
| Net loans and leases to core deposits | 47.5958% | 5,915 |
| Total domestic deposits to total assets | 84.9489% | 3,535 |
| Equity capital to assets | 13.7018% | 1,082 |
| Core capital (leverage) ratio | 14.3572% | 741 |
| Tier 1 risk-based capital ratio | 27.2368% | 689 |
| Total risk-based capital ratio | 27.6111% | 726 |
| Memoranda: | ||
| Average total assets | $36,289,000 | 6,254 |
| Average earning assets | $34,373,670 | 6,213 |
| Average equity | $4,655,330 | 6,041 |
| Average total loans | $14,039,670 | 6,316 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6658% | 4,960 |
| Cost of funding earning assets | 0.2544% | 5,542 |
| Net interest margin | 3.4114% | 4,070 |
| Noninterest income to average assets | 0.2508% | 5,358 |
| Noninterest expense to average assets | 2.9550% | 3,034 |
| Loan and lease loss provision to assets | 0.0654% | 2,818 |
| Net operating income to assets | 0.4362% | 4,991 |
| Return on assets (ROA) | 0.4362% | 5,048 |
| Pretax return on assets | 0.4471% | 5,317 |
| Return on Equity (ROE) | 3.5157% | 5,261 |
| Retained earnings to average equity (ytd only) | -6.5920% | 6,211 |
| Net charge-offs to loans | 0.2889% | 1,198 |
| Credit loss provision to net charge-offs | 60.0000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 4.7000% | 2,491 |
| Efficiency ratio | 85.2201% | 1,517 |
| Assets per employee ($millions) | 4.5870% | 2,831 |
| Cash dividends to net income (ytd only)* | 287.5000% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5343% | 6,471 |
| Loan loss allowance to noncurrent loans | 240.0000% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 6,007 |
| Noncurrent loans to loans | 0.2226% | 5,429 |
| Net loans and leases to total assets | 36.5271% | 6,042 |
| Net loans and leases to deposits | 41.8783% | 6,081 |
| Net loans and leases to core deposits | 41.8783% | 6,164 |
| Total domestic deposits to total assets | 87.2220% | 2,685 |
| Equity capital to assets | 12.6090% | 1,520 |
| Core capital (leverage) ratio | 13.9779% | 828 |
| Tier 1 risk-based capital ratio | 27.8398% | 653 |
| Total risk-based capital ratio | 28.2300% | 705 |
| Memoranda: | ||
| Average total assets | $36,684,000 | 6,311 |
| Average earning assets | $34,590,000 | 6,268 |
| Average equity | $4,551,000 | 6,119 |
| Average total loans | $13,847,500 | 6,387 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7046% | 5,120 |
| Cost of funding earning assets | 0.2976% | 5,616 |
| Net interest margin | 3.4070% | 4,249 |
| Noninterest income to average assets | 0.2302% | 5,699 |
| Noninterest expense to average assets | 3.0579% | 2,876 |
| Loan and lease loss provision to assets | 0.0135% | 4,853 |
| Net operating income to assets | 0.4144% | 5,098 |
| Return on assets (ROA) | 0.4144% | 5,210 |
| Pretax return on assets | 0.4144% | 5,464 |
| Return on Equity (ROE) | 3.1277% | 5,458 |
| Retained earnings to average equity (ytd only) | -0.1840% | 5,912 |
| Net charge-offs to loans | 0.2276% | 2,640 |
| Credit loss provision to net charge-offs | 16.1290% | 4,508 |
| Earnings coverage of net charge-offs (x) | 5.0968% | 3,382 |
| Efficiency ratio | 87.7234% | 1,245 |
| Assets per employee ($millions) | 4.5840% | 2,748 |
| Cash dividends to net income (ytd only)* | 105.8824% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5345% | 6,544 |
| Loan loss allowance to noncurrent loans | 24.9180% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 0.8317% | 3,810 |
| Noncurrent loans to loans | 2.1450% | 1,833 |
| Net loans and leases to total assets | 38.5662% | 6,050 |
| Net loans and leases to deposits | 43.9852% | 6,121 |
| Net loans and leases to core deposits | 43.9852% | 6,226 |
| Total domestic deposits to total assets | 87.6800% | 2,375 |
| Equity capital to assets | 12.2028% | 1,680 |
| Core capital (leverage) ratio | 14.0081% | 823 |
| Tier 1 risk-based capital ratio | 27.2210% | 660 |
| Total risk-based capital ratio | 27.6179% | 721 |
| Memoranda: | ||
| Average total assets | $36,921,000 | 6,367 |
| Average earning assets | $35,280,400 | 6,310 |
| Average equity | $4,891,800 | 6,094 |
| Average total loans | $13,622,000 | 6,465 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6848% | 5,203 |
| Cost of funding earning assets | 0.3055% | 5,685 |
| Net interest margin | 3.3793% | 4,360 |
| Noninterest income to average assets | 0.2343% | 5,757 |
| Noninterest expense to average assets | 3.0247% | 2,905 |
| Loan and lease loss provision to assets | 0.0180% | 4,657 |
| Net operating income to assets | 0.4218% | 5,152 |
| Return on assets (ROA) | 0.4218% | 5,298 |
| Pretax return on assets | 0.4218% | 5,570 |
| Return on Equity (ROE) | 3.1225% | 5,564 |
| Retained earnings to average equity (ytd only) | -0.7472% | 6,092 |
| Net charge-offs to loans | 0.3266% | 1,910 |
| Credit loss provision to net charge-offs | 15.1515% | 4,148 |
| Earnings coverage of net charge-offs (x) | 3.6968% | 3,630 |
| Efficiency ratio | 87.3049% | 1,231 |
| Assets per employee ($millions) | 4.4223% | 3,013 |
| Cash dividends to net income (ytd only)* | 123.9295% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5378% | 6,625 |
| Loan loss allowance to noncurrent loans | 616.6667% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0339% | 6,376 |
| Noncurrent loans to loans | 0.0872% | 6,070 |
| Net loans and leases to total assets | 38.6822% | 6,126 |
| Net loans and leases to deposits | 44.5925% | 6,181 |
| Net loans and leases to core deposits | 44.5925% | 6,271 |
| Total domestic deposits to total assets | 86.7460% | 2,829 |
| Equity capital to assets | 12.9120% | 1,369 |
| Core capital (leverage) ratio | 14.1935% | 820 |
| Tier 1 risk-based capital ratio | 28.0709% | 628 |
| Total risk-based capital ratio | 28.4710% | 672 |
| Memoranda: | ||
| Average total assets | $36,983,250 | 6,432 |
| Average earning assets | $35,351,500 | 6,376 |
| Average equity | $4,996,000 | 6,139 |
| Average total loans | $13,472,750 | 6,543 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6472% | 5,297 |
| Cost of funding earning assets | 0.3063% | 5,784 |
| Net interest margin | 3.3409% | 4,415 |
| Noninterest income to average assets | 0.2239% | 5,840 |
| Noninterest expense to average assets | 3.0119% | 2,963 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4105% | 5,178 |
| Return on assets (ROA) | 0.4105% | 5,341 |
| Pretax return on assets | 0.4105% | 5,616 |
| Return on Equity (ROE) | 2.9969% | 5,626 |
| Retained earnings to average equity (ytd only) | -2.4131% | 6,237 |
| Net charge-offs to loans | 0.4336% | 1,494 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.6552% | 3,634 |
| Efficiency ratio | 88.0062% | 1,218 |
| Assets per employee ($millions) | 4.4779% | 2,845 |
| Cash dividends to net income (ytd only)* | 180.5195% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5555% | 6,660 |
| Loan loss allowance to noncurrent loans | 521.4286% | 837 |
| Noncurrent assets plus other real estate owned to assets | 0.0391% | 6,390 |
| Noncurrent loans to loans | 0.1065% | 6,075 |
| Net loans and leases to total assets | 36.4821% | 6,270 |
| Net loans and leases to deposits | 42.1024% | 6,325 |
| Net loans and leases to core deposits | 42.1024% | 6,399 |
| Total domestic deposits to total assets | 86.6510% | 3,027 |
| Equity capital to assets | 13.0894% | 1,314 |
| Core capital (leverage) ratio | 14.2380% | 766 |
| Tier 1 risk-based capital ratio | 28.6071% | 598 |
| Total risk-based capital ratio | 29.0119% | 634 |
| Memoranda: | ||
| Average total assets | $37,518,330 | 6,472 |
| Average earning assets | $35,918,330 | 6,405 |
| Average equity | $5,138,670 | 6,146 |
| Average total loans | $13,377,330 | 6,586 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6678% | 5,258 |
| Cost of funding earning assets | 0.3166% | 5,828 |
| Net interest margin | 3.3513% | 4,313 |
| Noninterest income to average assets | 0.1981% | 6,058 |
| Noninterest expense to average assets | 2.9088% | 3,313 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4900% | 4,721 |
| Return on assets (ROA) | 0.4900% | 4,876 |
| Pretax return on assets | 0.4900% | 5,293 |
| Return on Equity (ROE) | 3.5052% | 5,334 |
| Retained earnings to average equity (ytd only) | -6.8612% | 6,465 |
| Net charge-offs to loans | -0.0593% | 6,211 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5828% | 1,568 |
| Assets per employee ($millions) | 4.7203% | 2,615 |
| Cash dividends to net income (ytd only)* | 295.7447% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 6,439 |
| Loan loss allowance to noncurrent loans | 212.2449% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.1298% | 6,182 |
| Noncurrent loans to loans | 0.3825% | 5,452 |
| Net loans and leases to total assets | 33.6449% | 6,433 |
| Net loans and leases to deposits | 39.2239% | 6,454 |
| Net loans and leases to core deposits | 39.2239% | 6,513 |
| Total domestic deposits to total assets | 85.7767% | 3,648 |
| Equity capital to assets | 14.0088% | 1,022 |
| Core capital (leverage) ratio | 13.5198% | 939 |
| Tier 1 risk-based capital ratio | 28.3951% | 617 |
| Total risk-based capital ratio | 28.9708% | 644 |
| Memoranda: | ||
| Average total assets | $38,366,000 | 6,504 |
| Average earning assets | $36,643,000 | 6,441 |
| Average equity | $5,363,500 | 6,148 |
| Average total loans | $13,495,000 | 6,641 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8853% | 5,616 |
| Cost of funding earning assets | 0.3952% | 5,950 |
| Net interest margin | 3.4901% | 4,533 |
| Noninterest income to average assets | 0.1938% | 6,024 |
| Noninterest expense to average assets | 2.9196% | 3,567 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5813% | 4,326 |
| Return on assets (ROA) | 0.5813% | 4,589 |
| Pretax return on assets | 0.5813% | 5,048 |
| Return on Equity (ROE) | 4.1540% | 5,080 |
| Retained earnings to average equity (ytd only) | 0.4678% | 5,617 |
| Net charge-offs to loans | 0.0429% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 857 |
| Efficiency ratio | 83.3957% | 1,697 |
| Assets per employee ($millions) | 4.8713% | 2,388 |
| Cash dividends to net income (ytd only)* | 88.7387% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7193% | 6,608 |
| Loan loss allowance to noncurrent loans | 178.9474% | 2,023 |
| Noncurrent assets plus other real estate owned to assets | 0.1463% | 6,199 |
| Noncurrent loans to loans | 0.4019% | 5,485 |
| Net loans and leases to total assets | 36.1278% | 6,428 |
| Net loans and leases to deposits | 42.0545% | 6,460 |
| Net loans and leases to core deposits | 42.0545% | 6,545 |
| Total domestic deposits to total assets | 85.9071% | 3,397 |
| Equity capital to assets | 13.9518% | 1,067 |
| Core capital (leverage) ratio | 13.3978% | 983 |
| Tier 1 risk-based capital ratio | 26.8611% | 702 |
| Total risk-based capital ratio | 27.3859% | 749 |
| Memoranda: | ||
| Average total assets | $38,189,800 | 6,551 |
| Average earning assets | $36,188,000 | 6,496 |
| Average equity | $5,344,200 | 6,194 |
| Average total loans | $13,980,400 | 6,699 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8900% | 5,810 |
| Cost of funding earning assets | 0.4112% | 6,052 |
| Net interest margin | 3.4788% | 4,718 |
| Noninterest income to average assets | 0.1930% | 6,141 |
| Noninterest expense to average assets | 2.9407% | 3,442 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5474% | 4,632 |
| Return on assets (ROA) | 0.5474% | 4,894 |
| Pretax return on assets | 0.5474% | 5,313 |
| Return on Equity (ROE) | 3.9089% | 5,323 |
| Retained earnings to average equity (ytd only) | -0.3257% | 6,146 |
| Net charge-offs to loans | 0.0095% | 5,578 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 156.3835% | 280 |
| Efficiency ratio | 84.3058% | 1,553 |
| Assets per employee ($millions) | 5.1056% | 2,045 |
| Cash dividends to net income (ytd only)* | 108.3369% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7829% | 6,632 |
| Loan loss allowance to noncurrent loans | 172.5806% | 2,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1518% | 6,333 |
| Noncurrent loans to loans | 0.4536% | 5,540 |
| Net loans and leases to total assets | 33.1987% | 6,696 |
| Net loans and leases to deposits | 38.3951% | 6,740 |
| Net loans and leases to core deposits | 38.3951% | 6,798 |
| Total domestic deposits to total assets | 86.4659% | 3,006 |
| Equity capital to assets | 13.2158% | 1,489 |
| Core capital (leverage) ratio | 13.5595% | 994 |
| Tier 1 risk-based capital ratio | 26.6862% | 763 |
| Total risk-based capital ratio | 27.2372% | 814 |
| Memoranda: | ||
| Average total assets | $37,994,750 | 6,635 |
| Average earning assets | $35,988,750 | 6,581 |
| Average equity | $5,321,000 | 6,270 |
| Average total loans | $13,930,250 | 6,788 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9530% | 5,774 |
| Cost of funding earning assets | 0.4354% | 6,067 |
| Net interest margin | 3.5176% | 4,597 |
| Noninterest income to average assets | 0.1890% | 6,210 |
| Noninterest expense to average assets | 2.9910% | 3,286 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5129% | 4,756 |
| Return on assets (ROA) | 0.5129% | 5,021 |
| Pretax return on assets | 0.5129% | 5,404 |
| Return on Equity (ROE) | 3.5881% | 5,442 |
| Retained earnings to average equity (ytd only) | -2.1151% | 6,372 |
| Net charge-offs to loans | 0.0143% | 5,236 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 447 |
| Efficiency ratio | 85.3621% | 1,491 |
| Assets per employee ($millions) | 4.7668% | 2,487 |
| Cash dividends to net income (ytd only)* | 158.9474% | 151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7638% | 6,740 |
| Loan loss allowance to noncurrent loans | 124.4186% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2255% | 6,209 |
| Noncurrent loans to loans | 0.6139% | 5,286 |
| Net loans and leases to total assets | 36.4530% | 6,588 |
| Net loans and leases to deposits | 42.5758% | 6,623 |
| Net loans and leases to core deposits | 42.5758% | 6,708 |
| Total domestic deposits to total assets | 85.6191% | 3,556 |
| Equity capital to assets | 14.1003% | 1,050 |
| Core capital (leverage) ratio | 13.2273% | 1,084 |
| Tier 1 risk-based capital ratio | 26.8435% | 735 |
| Total risk-based capital ratio | 27.4023% | 782 |
| Memoranda: | ||
| Average total assets | $37,044,670 | 6,709 |
| Average earning assets | $34,910,000 | 6,661 |
| Average equity | $5,295,330 | 6,306 |
| Average total loans | $14,018,000 | 6,843 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8889% | 6,039 |
| Cost of funding earning assets | 0.4602% | 6,083 |
| Net interest margin | 3.4286% | 5,000 |
| Noninterest income to average assets | 0.1753% | 6,326 |
| Noninterest expense to average assets | 3.0027% | 3,237 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4384% | 5,095 |
| Return on assets (ROA) | 0.4384% | 5,285 |
| Pretax return on assets | 0.4384% | 5,619 |
| Return on Equity (ROE) | 3.0450% | 5,701 |
| Retained earnings to average equity (ytd only) | -6.8513% | 6,713 |
| Net charge-offs to loans | -0.1426% | 6,908 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2611% | 1,359 |
| Assets per employee ($millions) | 4.7498% | 2,593 |
| Cash dividends to net income (ytd only)* | 325.0000% | 58 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 6,694 |
| Loan loss allowance to noncurrent loans | 753.3333% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.0395% | 6,807 |
| Noncurrent loans to loans | 0.1098% | 6,482 |
| Net loans and leases to total assets | 35.6545% | 6,645 |
| Net loans and leases to deposits | 41.3907% | 6,686 |
| Net loans and leases to core deposits | 41.3907% | 6,774 |
| Total domestic deposits to total assets | 86.1414% | 3,449 |
| Equity capital to assets | 13.5955% | 1,202 |
| Core capital (leverage) ratio | 14.2423% | 741 |
| Tier 1 risk-based capital ratio | 27.1206% | 718 |
| Total risk-based capital ratio | 27.7208% | 755 |
| Memoranda: | ||
| Average total assets | $36,500,000 | 6,779 |
| Average earning assets | $34,766,000 | 6,716 |
| Average equity | $5,254,500 | 6,345 |
| Average total loans | $14,023,000 | 6,904 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4903% | 5,116 |
| Cost of funding earning assets | 0.5621% | 6,280 |
| Net interest margin | 3.9282% | 3,215 |
| Noninterest income to average assets | 0.2386% | 5,828 |
| Noninterest expense to average assets | 3.2196% | 2,794 |
| Loan and lease loss provision to assets | 0.1561% | 4,678 |
| Net operating income to assets | 0.6098% | 3,953 |
| Return on assets (ROA) | 0.6098% | 4,134 |
| Pretax return on assets | 0.6098% | 4,667 |
| Return on Equity (ROE) | 4.1018% | 4,804 |
| Retained earnings to average equity (ytd only) | 0.7332% | 5,509 |
| Net charge-offs to loans | 0.2558% | 4,180 |
| Credit loss provision to net charge-offs | 147.2222% | 1,937 |
| Earnings coverage of net charge-offs (x) | 7.2222% | 2,371 |
| Efficiency ratio | 80.7834% | 2,190 |
| Assets per employee ($millions) | 4.3753% | 3,106 |
| Cash dividends to net income (ytd only)* | 82.1256% | 729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7508% | 6,834 |
| Loan loss allowance to noncurrent loans | 135.0000% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2286% | 6,388 |
| Noncurrent loans to loans | 0.5561% | 5,607 |
| Net loans and leases to total assets | 40.7891% | 6,485 |
| Net loans and leases to deposits | 48.2445% | 6,483 |
| Net loans and leases to core deposits | 48.2445% | 6,624 |
| Total domestic deposits to total assets | 84.5466% | 4,068 |
| Equity capital to assets | 15.2648% | 727 |
| Core capital (leverage) ratio | 14.8199% | 644 |
| Tier 1 risk-based capital ratio | 27.5679% | 658 |
| Total risk-based capital ratio | 28.1409% | 694 |
| Memoranda: | ||
| Average total assets | $33,948,200 | 6,862 |
| Average earning assets | $32,381,000 | 6,797 |
| Average equity | $5,046,600 | 6,430 |
| Average total loans | $14,074,200 | 6,948 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5617% | 5,031 |
| Cost of funding earning assets | 0.5795% | 6,379 |
| Net interest margin | 3.9822% | 2,993 |
| Noninterest income to average assets | 0.2454% | 5,865 |
| Noninterest expense to average assets | 3.2734% | 2,582 |
| Loan and lease loss provision to assets | 0.1108% | 5,048 |
| Net operating income to assets | 0.6689% | 3,776 |
| Return on assets (ROA) | 0.6689% | 3,945 |
| Pretax return on assets | 0.6689% | 4,579 |
| Return on Equity (ROE) | 4.5315% | 4,753 |
| Retained earnings to average equity (ytd only) | -0.0267% | 5,961 |
| Net charge-offs to loans | -0.0191% | 6,900 |
| Credit loss provision to net charge-offs | -1,400.0000% | 6,795 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7617% | 2,150 |
| Assets per employee ($millions) | 4.1368% | 3,575 |
| Cash dividends to net income (ytd only)* | 100.5902% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8336% | 6,752 |
| Loan loss allowance to noncurrent loans | 85.2113% | 3,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4291% | 6,006 |
| Noncurrent loans to loans | 0.9782% | 4,931 |
| Net loans and leases to total assets | 43.4973% | 6,382 |
| Net loans and leases to deposits | 52.0784% | 6,358 |
| Net loans and leases to core deposits | 52.0784% | 6,560 |
| Total domestic deposits to total assets | 83.5227% | 4,468 |
| Equity capital to assets | 16.0694% | 617 |
| Core capital (leverage) ratio | 15.3800% | 594 |
| Tier 1 risk-based capital ratio | 27.7312% | 678 |
| Total risk-based capital ratio | 28.3817% | 714 |
| Memoranda: | ||
| Average total assets | $33,684,750 | 6,934 |
| Average earning assets | $32,209,250 | 6,861 |
| Average equity | $4,972,500 | 6,508 |
| Average total loans | $13,996,500 | 7,021 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4948% | 5,375 |
| Cost of funding earning assets | 0.6034% | 6,448 |
| Net interest margin | 3.8914% | 3,362 |
| Noninterest income to average assets | 0.2538% | 5,834 |
| Noninterest expense to average assets | 3.2289% | 2,806 |
| Loan and lease loss provision to assets | 0.1653% | 4,279 |
| Net operating income to assets | 0.5903% | 4,105 |
| Return on assets (ROA) | 0.5903% | 4,237 |
| Pretax return on assets | 0.5903% | 4,769 |
| Return on Equity (ROE) | 4.1175% | 4,876 |
| Retained earnings to average equity (ytd only) | -2.0176% | 6,253 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0370% | 2,237 |
| Assets per employee ($millions) | 4.2671% | 3,222 |
| Cash dividends to net income (ytd only)* | 149.0000% | 181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8379% | 6,801 |
| Loan loss allowance to noncurrent loans | 145.1220% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 6,526 |
| Noncurrent loans to loans | 0.5774% | 5,773 |
| Net loans and leases to total assets | 41.2544% | 6,647 |
| Net loans and leases to deposits | 48.7250% | 6,685 |
| Net loans and leases to core deposits | 48.7250% | 6,820 |
| Total domestic deposits to total assets | 84.6677% | 4,040 |
| Equity capital to assets | 14.9984% | 825 |
| Core capital (leverage) ratio | 14.7590% | 716 |
| Tier 1 risk-based capital ratio | 27.0628% | 721 |
| Total risk-based capital ratio | 27.6930% | 754 |
| Memoranda: | ||
| Average total assets | $33,881,670 | 6,992 |
| Average earning assets | $32,481,670 | 6,918 |
| Average equity | $4,857,330 | 6,576 |
| Average total loans | $13,823,330 | 7,097 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5097% | 5,302 |
| Cost of funding earning assets | 0.6301% | 6,473 |
| Net interest margin | 3.8795% | 3,242 |
| Noninterest income to average assets | 0.2370% | 6,016 |
| Noninterest expense to average assets | 3.3063% | 2,540 |
| Loan and lease loss provision to assets | 0.0593% | 5,259 |
| Net operating income to assets | 0.5925% | 4,069 |
| Return on assets (ROA) | 0.5925% | 4,141 |
| Pretax return on assets | 0.5925% | 4,712 |
| Return on Equity (ROE) | 4.2319% | 4,779 |
| Retained earnings to average equity (ytd only) | -6.3479% | 6,621 |
| Net charge-offs to loans | -0.1174% | 7,129 |
| Credit loss provision to net charge-offs | -125.0000% | 5,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5329% | 2,010 |
| Assets per employee ($millions) | 4.2759% | 3,287 |
| Cash dividends to net income (ytd only)* | 250.0000% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7581% | 6,993 |
| Loan loss allowance to noncurrent loans | 49.7512% | 5,031 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 5,795 |
| Noncurrent loans to loans | 1.5238% | 4,187 |
| Net loans and leases to total assets | 38.2699% | 6,888 |
| Net loans and leases to deposits | 44.5454% | 6,932 |
| Net loans and leases to core deposits | 44.5454% | 7,024 |
| Total domestic deposits to total assets | 85.9122% | 3,572 |
| Equity capital to assets | 13.7253% | 1,094 |
| Core capital (leverage) ratio | 14.6004% | 726 |
| Tier 1 risk-based capital ratio | 27.9817% | 635 |
| Total risk-based capital ratio | 28.5321% | 669 |
| Memoranda: | ||
| Average total assets | $33,754,000 | 7,043 |
| Average earning assets | $32,375,000 | 6,976 |
| Average equity | $4,726,000 | 6,643 |
| Average total loans | $13,634,000 | 7,163 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7544% | 5,603 |
| Cost of funding earning assets | 0.8241% | 6,466 |
| Net interest margin | 3.9304% | 3,341 |
| Noninterest income to average assets | 0.4242% | 4,715 |
| Noninterest expense to average assets | 3.3817% | 2,486 |
| Loan and lease loss provision to assets | 0.0244% | 6,877 |
| Net operating income to assets | 0.5555% | 3,869 |
| Return on assets (ROA) | 0.5555% | 4,020 |
| Pretax return on assets | 0.5555% | 4,462 |
| Return on Equity (ROE) | 3.5484% | 4,725 |
| Retained earnings to average equity (ytd only) | -0.3120% | 5,669 |
| Net charge-offs to loans | 0.3152% | 4,445 |
| Credit loss provision to net charge-offs | 19.0476% | 6,559 |
| Earnings coverage of net charge-offs (x) | 4.5238% | 2,888 |
| Efficiency ratio | 85.3621% | 1,764 |
| Assets per employee ($millions) | 4.1626% | 3,454 |
| Cash dividends to net income (ytd only)* | 108.7912% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6464% | 7,203 |
| Loan loss allowance to noncurrent loans | 154.2373% | 1,935 |
| Noncurrent assets plus other real estate owned to assets | 0.1772% | 6,792 |
| Noncurrent loans to loans | 0.4191% | 6,211 |
| Net loans and leases to total assets | 41.9987% | 6,849 |
| Net loans and leases to deposits | 49.1599% | 6,897 |
| Net loans and leases to core deposits | 49.1599% | 7,015 |
| Total domestic deposits to total assets | 85.4329% | 3,646 |
| Equity capital to assets | 14.2849% | 957 |
| Core capital (leverage) ratio | 15.3688% | 604 |
| Tier 1 risk-based capital ratio | 27.2329% | 663 |
| Total risk-based capital ratio | 27.7133% | 697 |
| Memoranda: | ||
| Average total assets | $32,764,800 | 7,122 |
| Average earning assets | $29,488,200 | 7,110 |
| Average equity | $5,129,000 | 6,628 |
| Average total loans | $13,325,600 | 7,239 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7848% | 5,722 |
| Cost of funding earning assets | 0.8637% | 6,532 |
| Net interest margin | 3.9211% | 3,443 |
| Noninterest income to average assets | 0.4822% | 4,317 |
| Noninterest expense to average assets | 3.2116% | 2,884 |
| Loan and lease loss provision to assets | 0.0327% | 6,744 |
| Net operating income to assets | 0.7069% | 3,377 |
| Return on assets (ROA) | 0.7069% | 3,529 |
| Pretax return on assets | 0.7069% | 4,209 |
| Return on Equity (ROE) | 4.4171% | 4,589 |
| Retained earnings to average equity (ytd only) | -0.6383% | 5,951 |
| Net charge-offs to loans | 0.5683% | 3,049 |
| Credit loss provision to net charge-offs | 14.2857% | 6,297 |
| Earnings coverage of net charge-offs (x) | 3.2324% | 3,531 |
| Efficiency ratio | 81.2823% | 2,154 |
| Assets per employee ($millions) | 4.2329% | 3,383 |
| Cash dividends to net income (ytd only)* | 114.4498% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5590% | 7,402 |
| Loan loss allowance to noncurrent loans | 50.6579% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4489% | 6,307 |
| Noncurrent loans to loans | 1.1034% | 5,036 |
| Net loans and leases to total assets | 40.4512% | 7,050 |
| Net loans and leases to deposits | 48.1510% | 7,082 |
| Net loans and leases to core deposits | 48.1510% | 7,197 |
| Total domestic deposits to total assets | 84.0091% | 4,125 |
| Equity capital to assets | 15.5863% | 750 |
| Core capital (leverage) ratio | 15.6557% | 613 |
| Tier 1 risk-based capital ratio | 27.1343% | 683 |
| Total risk-based capital ratio | 27.5401% | 735 |
| Memoranda: | ||
| Average total assets | $32,630,750 | 7,212 |
| Average earning assets | $28,868,750 | 7,218 |
| Average equity | $5,222,000 | 6,662 |
| Average total loans | $13,137,750 | 7,338 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8055% | 5,782 |
| Cost of funding earning assets | 0.8884% | 6,627 |
| Net interest margin | 3.9172% | 3,366 |
| Noninterest income to average assets | 0.5959% | 3,368 |
| Noninterest expense to average assets | 3.1844% | 2,963 |
| Loan and lease loss provision to assets | 0.0497% | 6,471 |
| Net operating income to assets | 0.8380% | 2,790 |
| Return on assets (ROA) | 0.8380% | 2,945 |
| Pretax return on assets | 0.8380% | 3,745 |
| Return on Equity (ROE) | 5.1890% | 4,194 |
| Retained earnings to average equity (ytd only) | 1.6912% | 5,031 |
| Net charge-offs to loans | -0.1083% | 7,562 |
| Credit loss provision to net charge-offs | -114.2857% | 6,685 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2012% | 2,696 |
| Assets per employee ($millions) | 4.0528% | 3,670 |
| Cash dividends to net income (ytd only)* | 67.4074% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0514% | 6,176 |
| Loan loss allowance to noncurrent loans | 75.2688% | 3,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5737% | 6,046 |
| Noncurrent loans to loans | 1.3969% | 4,609 |
| Net loans and leases to total assets | 40.6360% | 7,125 |
| Net loans and leases to deposits | 48.8017% | 7,120 |
| Net loans and leases to core deposits | 48.8017% | 7,259 |
| Total domestic deposits to total assets | 83.2675% | 4,462 |
| Equity capital to assets | 16.3685% | 614 |
| Core capital (leverage) ratio | 16.3805% | 518 |
| Tier 1 risk-based capital ratio | 28.7604% | 581 |
| Total risk-based capital ratio | 29.5321% | 595 |
| Memoranda: | ||
| Average total assets | $32,220,000 | 7,277 |
| Average earning assets | $28,592,000 | 7,272 |
| Average equity | $5,203,330 | 6,708 |
| Average total loans | $12,925,330 | 7,404 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 6,048 |
| Cost of funding earning assets | 0.9119% | 6,723 |
| Net interest margin | 3.8439% | 3,605 |
| Noninterest income to average assets | 0.2989% | 5,757 |
| Noninterest expense to average assets | 3.1632% | 3,001 |
| Loan and lease loss provision to assets | 0.0996% | 5,635 |
| Net operating income to assets | 0.4483% | 4,621 |
| Return on assets (ROA) | 0.4483% | 4,749 |
| Pretax return on assets | 0.4483% | 5,139 |
| Return on Equity (ROE) | 2.7953% | 5,429 |
| Retained earnings to average equity (ytd only) | -3.0282% | 6,368 |
| Net charge-offs to loans | -0.1571% | 7,625 |
| Credit loss provision to net charge-offs | -160.0000% | 6,104 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2349% | 1,884 |
| Assets per employee ($millions) | 3.9171% | 4,057 |
| Cash dividends to net income (ytd only)* | 208.3333% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 5,946 |
| Loan loss allowance to noncurrent loans | 90.1961% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 0.9669% | 5,216 |
| Noncurrent loans to loans | 1.2343% | 4,910 |
| Net loans and leases to total assets | 39.1167% | 7,300 |
| Net loans and leases to deposits | 47.0864% | 7,277 |
| Net loans and leases to core deposits | 47.0864% | 7,394 |
| Total domestic deposits to total assets | 83.0743% | 4,586 |
| Equity capital to assets | 16.2555% | 639 |
| Core capital (leverage) ratio | 16.1240% | 564 |
| Tier 1 risk-based capital ratio | 30.0609% | 526 |
| Total risk-based capital ratio | 30.8688% | 528 |
| Memoranda: | ||
| Average total assets | $32,119,000 | 7,375 |
| Average earning assets | $28,512,500 | 7,373 |
| Average equity | $5,151,500 | 6,802 |
| Average total loans | $12,730,500 | 7,514 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8021% | 6,950 |
| Cost of funding earning assets | 1.1347% | 6,867 |
| Net interest margin | 3.6674% | 4,269 |
| Noninterest income to average assets | 0.2783% | 6,111 |
| Noninterest expense to average assets | 3.1550% | 3,526 |
| Loan and lease loss provision to assets | 0.0938% | 6,666 |
| Net operating income to assets | 0.3846% | 4,185 |
| Return on assets (ROA) | 0.3846% | 4,291 |
| Pretax return on assets | 0.3846% | 4,537 |
| Return on Equity (ROE) | 2.3497% | 4,766 |
| Retained earnings to average equity (ytd only) | 0.2865% | 4,750 |
| Net charge-offs to loans | 0.8587% | 2,679 |
| Credit loss provision to net charge-offs | 28.5714% | 6,904 |
| Earnings coverage of net charge-offs (x) | 1.4571% | 4,667 |
| Efficiency ratio | 86.8330% | 2,018 |
| Assets per employee ($millions) | 4.1126% | 3,590 |
| Cash dividends to net income (ytd only)* | 87.8049% | 922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9568% | 6,599 |
| Loan loss allowance to noncurrent loans | 54.5852% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.1519% | 4,789 |
| Noncurrent loans to loans | 1.7528% | 4,009 |
| Net loans and leases to total assets | 39.3301% | 7,384 |
| Net loans and leases to deposits | 46.9147% | 7,403 |
| Net loans and leases to core deposits | 50.3776% | 7,581 |
| Total domestic deposits to total assets | 83.8333% | 4,108 |
| Equity capital to assets | 15.8323% | 724 |
| Core capital (leverage) ratio | 15.8736% | 635 |
| Tier 1 risk-based capital ratio | 29.1427% | 572 |
| Total risk-based capital ratio | 29.8468% | 590 |
| Memoranda: | ||
| Average total assets | $31,980,600 | 7,403 |
| Average earning assets | $29,257,800 | 7,385 |
| Average equity | $5,234,800 | 6,858 |
| Average total loans | $12,227,400 | 7,587 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7485% | 7,208 |
| Cost of funding earning assets | 1.1905% | 6,919 |
| Net interest margin | 3.5579% | 4,645 |
| Noninterest income to average assets | 0.2772% | 6,253 |
| Noninterest expense to average assets | 3.0823% | 3,708 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4703% | 4,120 |
| Return on assets (ROA) | 0.4703% | 4,217 |
| Pretax return on assets | 0.4703% | 4,615 |
| Return on Equity (ROE) | 2.8491% | 4,857 |
| Retained earnings to average equity (ytd only) | 0.1017% | 5,161 |
| Net charge-offs to loans | 0.5103% | 3,179 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 2.4349% | 4,014 |
| Efficiency ratio | 86.7612% | 1,985 |
| Assets per employee ($millions) | 4.5691% | 2,750 |
| Cash dividends to net income (ytd only)* | 96.4307% | 628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 5,086 |
| Loan loss allowance to noncurrent loans | 71.2963% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.1443% | 4,784 |
| Noncurrent loans to loans | 1.6886% | 4,113 |
| Net loans and leases to total assets | 39.5135% | 7,483 |
| Net loans and leases to deposits | 47.5184% | 7,519 |
| Net loans and leases to core deposits | 50.6736% | 7,671 |
| Total domestic deposits to total assets | 83.1541% | 4,147 |
| Equity capital to assets | 16.3957% | 724 |
| Core capital (leverage) ratio | 15.8389% | 701 |
| Tier 1 risk-based capital ratio | 30.0874% | 561 |
| Total risk-based capital ratio | 30.9848% | 569 |
| Memoranda: | ||
| Average total assets | $31,750,500 | 7,472 |
| Average earning assets | $29,229,500 | 7,452 |
| Average equity | $5,241,250 | 6,928 |
| Average total loans | $12,018,000 | 7,674 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7108% | 7,374 |
| Cost of funding earning assets | 1.2256% | 7,032 |
| Net interest margin | 3.4852% | 4,865 |
| Noninterest income to average assets | 0.2652% | 6,376 |
| Noninterest expense to average assets | 3.0121% | 4,037 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4673% | 4,229 |
| Return on assets (ROA) | 0.4673% | 4,341 |
| Pretax return on assets | 0.4673% | 4,729 |
| Return on Equity (ROE) | 2.8242% | 4,966 |
| Retained earnings to average equity (ytd only) | -0.6870% | 5,398 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5699% | 2,172 |
| Assets per employee ($millions) | 4.6714% | 2,497 |
| Cash dividends to net income (ytd only)* | 124.3243% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 2,342 |
| Loan loss allowance to noncurrent loans | 54.4959% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.5810% | 3,845 |
| Noncurrent loans to loans | 3.1229% | 2,287 |
| Net loans and leases to total assets | 35.3272% | 7,731 |
| Net loans and leases to deposits | 42.2083% | 7,751 |
| Net loans and leases to core deposits | 45.3304% | 7,850 |
| Total domestic deposits to total assets | 83.6972% | 3,921 |
| Equity capital to assets | 15.7248% | 881 |
| Core capital (leverage) ratio | 16.2556% | 710 |
| Tier 1 risk-based capital ratio | 28.2473% | 699 |
| Total risk-based capital ratio | 29.3462% | 694 |
| Memoranda: | ||
| Average total assets | $31,672,670 | 7,543 |
| Average earning assets | $29,209,330 | 7,522 |
| Average equity | $5,240,330 | 6,985 |
| Average total loans | $11,760,000 | 7,762 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7129% | 7,489 |
| Cost of funding earning assets | 1.2577% | 7,153 |
| Net interest margin | 3.4552% | 4,917 |
| Noninterest income to average assets | 0.2567% | 6,396 |
| Noninterest expense to average assets | 2.9911% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4750% | 4,540 |
| Return on assets (ROA) | 0.4750% | 4,731 |
| Pretax return on assets | 0.4750% | 5,153 |
| Return on Equity (ROE) | 2.7980% | 5,455 |
| Retained earnings to average equity (ytd only) | 2.7980% | 4,325 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2963% | 2,038 |
| Assets per employee ($millions) | 4.4031% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8121% | 1,821 |
| Loan loss allowance to noncurrent loans | 60.4230% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 1.5606% | 3,592 |
| Noncurrent loans to loans | 2.9990% | 2,175 |
| Net loans and leases to total assets | 35.1600% | 7,759 |
| Net loans and leases to deposits | 42.7850% | 7,763 |
| Net loans and leases to core deposits | 46.2250% | 7,864 |
| Total domestic deposits to total assets | 82.1783% | 4,477 |
| Equity capital to assets | 17.2344% | 696 |
| Core capital (leverage) ratio | 16.8783% | 670 |
| Tier 1 risk-based capital ratio | 30.3173% | 606 |
| Total risk-based capital ratio | 31.4841% | 599 |
| Memoranda: | ||
| Average total assets | $31,159,000 | 7,599 |
| Average earning assets | $28,942,000 | 7,571 |
| Average equity | $5,289,500 | 7,016 |
| Average total loans | $11,764,000 | 7,814 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7525% | 6,586 |
| Cost of funding earning assets | 1.7934% | 7,027 |
| Net interest margin | 3.9592% | 3,312 |
| Noninterest income to average assets | 0.2501% | 6,661 |
| Noninterest expense to average assets | 3.0909% | 3,731 |
| Loan and lease loss provision to assets | 0.1443% | 5,509 |
| Net operating income to assets | 0.6958% | 3,911 |
| Return on assets (ROA) | 0.6958% | 3,743 |
| Pretax return on assets | 0.6958% | 4,410 |
| Return on Equity (ROE) | 4.2484% | 4,712 |
| Retained earnings to average equity (ytd only) | -0.6656% | 5,497 |
| Net charge-offs to loans | 0.2144% | 4,066 |
| Credit loss provision to net charge-offs | 166.6667% | 3,080 |
| Earnings coverage of net charge-offs (x) | 9.7037% | 2,651 |
| Efficiency ratio | 78.6297% | 2,816 |
| Assets per employee ($millions) | 4.4994% | 2,619 |
| Cash dividends to net income (ytd only)* | 115.6682% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 2,242 |
| Loan loss allowance to noncurrent loans | 77.8210% | 4,209 |
| Noncurrent assets plus other real estate owned to assets | 0.8922% | 4,623 |
| Noncurrent loans to loans | 2.0575% | 2,685 |
| Net loans and leases to total assets | 39.0240% | 7,714 |
| Net loans and leases to deposits | 47.1263% | 7,749 |
| Net loans and leases to core deposits | 50.7977% | 7,867 |
| Total domestic deposits to total assets | 82.8073% | 3,852 |
| Equity capital to assets | 16.7228% | 807 |
| Core capital (leverage) ratio | 16.2883% | 785 |
| Tier 1 risk-based capital ratio | 28.8842% | 702 |
| Total risk-based capital ratio | 30.0039% | 704 |
| Memoranda: | ||
| Average total assets | $31,188,200 | 7,595 |
| Average earning assets | $28,996,000 | 7,565 |
| Average equity | $5,107,800 | 7,109 |
| Average total loans | $12,594,600 | 7,797 |