Home > First State Bank of Porter > Performance and Condition Ratios
First State Bank of Porter, Performance and Condition Ratios
| 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 | 6.8285% | 65 |
| Cost of funding earning assets | 0.1990% | 5,521 |
| Net interest margin | 6.6295% | 50 |
| Noninterest income to average assets | 1.2153% | 767 |
| Noninterest expense to average assets | 4.8051% | 342 |
| Loan and lease loss provision to assets | 0.1013% | 2,008 |
| Net operating income to assets | 2.3069% | 198 |
| Return on assets (ROA) | 2.3069% | 212 |
| Pretax return on assets | 2.3069% | 321 |
| Return on Equity (ROE) | 14.8915% | 725 |
| Retained earnings to average equity (ytd only) | 3.9953% | 3,605 |
| Net charge-offs to loans | -0.0292% | 5,233 |
| Credit loss provision to net charge-offs | -450.0000% | 4,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6147% | 4,050 |
| Assets per employee ($millions) | 1.8901% | 6,298 |
| Cash dividends to net income (ytd only)* | 73.1707% | 1,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4302% | 2,785 |
| Loan loss allowance to noncurrent loans | 318.5484% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 4,463 |
| Noncurrent loans to loans | 0.4490% | 4,238 |
| Net loans and leases to total assets | 75.8047% | 1,239 |
| Net loans and leases to deposits | 91.1535% | 1,276 |
| Net loans and leases to core deposits | 97.4722% | 1,524 |
| Total domestic deposits to total assets | 83.1616% | 4,134 |
| Equity capital to assets | 15.4099% | 643 |
| Core capital (leverage) ratio | 15.2810% | 568 |
| Tier 1 risk-based capital ratio | 19.0946% | 1,844 |
| Total risk-based capital ratio | 20.3471% | 1,801 |
| Memoranda: | ||
| Average total assets | $35,545,500 | 6,066 |
| Average earning assets | $32,159,500 | 6,054 |
| Average equity | $5,506,500 | 5,716 |
| Average total loans | $27,439,500 | 5,619 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1166% | 62 |
| Cost of funding earning assets | 0.2345% | 5,468 |
| Net interest margin | 6.8821% | 50 |
| Noninterest income to average assets | 1.1250% | 963 |
| Noninterest expense to average assets | 4.9165% | 326 |
| Loan and lease loss provision to assets | 0.0675% | 3,139 |
| Net operating income to assets | 2.1657% | 237 |
| Return on assets (ROA) | 2.1657% | 242 |
| Pretax return on assets | 2.1657% | 348 |
| Return on Equity (ROE) | 14.5398% | 845 |
| Retained earnings to average equity (ytd only) | 6.2880% | 1,759 |
| Net charge-offs to loans | -0.0297% | 5,786 |
| Credit loss provision to net charge-offs | -300.0000% | 5,701 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7648% | 3,759 |
| Assets per employee ($millions) | 1.7590% | 6,400 |
| Cash dividends to net income (ytd only)* | 56.7532% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4086% | 2,909 |
| Loan loss allowance to noncurrent loans | 984.6154% | 598 |
| Noncurrent assets plus other real estate owned to assets | 0.1563% | 5,398 |
| Noncurrent loans to loans | 0.1431% | 5,320 |
| Net loans and leases to total assets | 76.4007% | 1,207 |
| Net loans and leases to deposits | 93.0708% | 1,179 |
| Net loans and leases to core deposits | 100.6931% | 1,344 |
| Total domestic deposits to total assets | 82.0887% | 4,386 |
| Equity capital to assets | 15.5746% | 592 |
| Core capital (leverage) ratio | 15.2861% | 565 |
| Tier 1 risk-based capital ratio | 20.9803% | 1,412 |
| Total risk-based capital ratio | 22.2324% | 1,376 |
| Memoranda: | ||
| Average total assets | $35,554,000 | 6,144 |
| Average earning assets | $31,124,400 | 6,162 |
| Average equity | $5,295,800 | 5,793 |
| Average total loans | $26,927,600 | 5,701 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1052% | 65 |
| Cost of funding earning assets | 0.2407% | 5,500 |
| Net interest margin | 6.8645% | 52 |
| Noninterest income to average assets | 1.1108% | 986 |
| Noninterest expense to average assets | 4.9408% | 321 |
| Loan and lease loss provision to assets | 0.0785% | 2,774 |
| Net operating income to assets | 2.0646% | 307 |
| Return on assets (ROA) | 2.0646% | 318 |
| Pretax return on assets | 2.0646% | 488 |
| Return on Equity (ROE) | 14.0187% | 978 |
| Retained earnings to average equity (ytd only) | 3.2253% | 4,336 |
| Net charge-offs to loans | -0.0298% | 5,738 |
| Credit loss provision to net charge-offs | -350.0000% | 5,679 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7466% | 3,556 |
| Assets per employee ($millions) | 1.8253% | 6,470 |
| Cash dividends to net income (ytd only)* | 76.9926% | 813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4546% | 2,922 |
| Loan loss allowance to noncurrent loans | 1,353.5714% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.4556% | 4,534 |
| Noncurrent loans to loans | 0.1075% | 5,611 |
| Net loans and leases to total assets | 74.0348% | 1,521 |
| Net loans and leases to deposits | 89.9555% | 1,434 |
| Net loans and leases to core deposits | 98.7159% | 1,471 |
| Total domestic deposits to total assets | 82.3015% | 4,375 |
| Equity capital to assets | 15.2043% | 695 |
| Core capital (leverage) ratio | 14.3167% | 766 |
| Tier 1 risk-based capital ratio | 21.0272% | 1,448 |
| Total risk-based capital ratio | 22.2794% | 1,425 |
| Memoranda: | ||
| Average total assets | $35,647,750 | 6,214 |
| Average earning assets | $31,018,500 | 6,237 |
| Average equity | $5,250,000 | 5,860 |
| Average total loans | $26,844,250 | 5,760 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0979% | 65 |
| Cost of funding earning assets | 0.2372% | 5,611 |
| Net interest margin | 6.8607% | 50 |
| Noninterest income to average assets | 0.8563% | 1,633 |
| Noninterest expense to average assets | 4.6928% | 391 |
| Loan and lease loss provision to assets | 0.1168% | 2,089 |
| Net operating income to assets | 1.9961% | 340 |
| Return on assets (ROA) | 1.9961% | 351 |
| Pretax return on assets | 1.9961% | 560 |
| Return on Equity (ROE) | 13.6962% | 1,013 |
| Retained earnings to average equity (ytd only) | 3.6625% | 3,860 |
| Net charge-offs to loans | -0.0369% | 5,756 |
| Credit loss provision to net charge-offs | -420.0000% | 5,528 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9542% | 3,842 |
| Assets per employee ($millions) | 2.0691% | 6,486 |
| Cash dividends to net income (ytd only)* | 73.2591% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3840% | 3,434 |
| Loan loss allowance to noncurrent loans | 497.3684% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.5531% | 4,333 |
| Noncurrent loans to loans | 0.2783% | 5,184 |
| Net loans and leases to total assets | 72.3204% | 1,685 |
| Net loans and leases to deposits | 86.3883% | 1,784 |
| Net loans and leases to core deposits | 98.5980% | 1,402 |
| Total domestic deposits to total assets | 83.7155% | 4,029 |
| Equity capital to assets | 14.0774% | 942 |
| Core capital (leverage) ratio | 14.3009% | 756 |
| Tier 1 risk-based capital ratio | 19.0766% | 1,903 |
| Total risk-based capital ratio | 20.3246% | 1,866 |
| Memoranda: | ||
| Average total assets | $35,970,000 | 6,266 |
| Average earning assets | $31,192,330 | 6,294 |
| Average equity | $5,242,330 | 5,903 |
| Average total loans | $27,107,330 | 5,785 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1486% | 60 |
| Cost of funding earning assets | 0.2352% | 5,709 |
| Net interest margin | 6.9133% | 49 |
| Noninterest income to average assets | 0.9962% | 1,135 |
| Noninterest expense to average assets | 4.7095% | 383 |
| Loan and lease loss provision to assets | 0.1132% | 2,066 |
| Net operating income to assets | 2.1623% | 257 |
| Return on assets (ROA) | 2.1623% | 268 |
| Pretax return on assets | 2.1623% | 381 |
| Return on Equity (ROE) | 14.5746% | 848 |
| Retained earnings to average equity (ytd only) | 14.5746% | 355 |
| Net charge-offs to loans | -0.0148% | 5,203 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4230% | 4,289 |
| Assets per employee ($millions) | 1.9225% | 6,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 4,050 |
| Loan loss allowance to noncurrent loans | 684.9057% | 717 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 4,272 |
| Noncurrent loans to loans | 0.1918% | 5,515 |
| Net loans and leases to total assets | 74.6434% | 1,167 |
| Net loans and leases to deposits | 89.6905% | 1,188 |
| Net loans and leases to core deposits | 102.1697% | 977 |
| Total domestic deposits to total assets | 83.2234% | 4,526 |
| Equity capital to assets | 14.6138% | 759 |
| Core capital (leverage) ratio | 14.8080% | 622 |
| Tier 1 risk-based capital ratio | 19.9903% | 1,721 |
| Total risk-based capital ratio | 21.2373% | 1,689 |
| Memoranda: | ||
| Average total assets | $35,333,000 | 6,348 |
| Average earning assets | $30,607,500 | 6,368 |
| Average equity | $5,242,000 | 5,940 |
| Average total loans | $27,004,500 | 5,854 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3117% | 56 |
| Cost of funding earning assets | 0.2607% | 5,905 |
| Net interest margin | 7.0510% | 50 |
| Noninterest income to average assets | 1.1849% | 1,010 |
| Noninterest expense to average assets | 4.4318% | 557 |
| Loan and lease loss provision to assets | 0.1794% | 2,058 |
| Net operating income to assets | 2.8140% | 125 |
| Return on assets (ROA) | 2.8140% | 126 |
| Pretax return on assets | 2.8140% | 143 |
| Return on Equity (ROE) | 17.3169% | 475 |
| Retained earnings to average equity (ytd only) | -11.5154% | 6,561 |
| Net charge-offs to loans | -0.0181% | 6,121 |
| Credit loss provision to net charge-offs | -1,260.0000% | 6,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6855% | 5,512 |
| Assets per employee ($millions) | 1.7968% | 6,677 |
| Cash dividends to net income (ytd only)* | 166.4980% | 129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3343% | 3,959 |
| Loan loss allowance to noncurrent loans | 4,400.0000% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.5302% | 4,648 |
| Noncurrent loans to loans | 0.0303% | 6,163 |
| Net loans and leases to total assets | 76.2442% | 1,035 |
| Net loans and leases to deposits | 92.3047% | 1,021 |
| Net loans and leases to core deposits | 105.6543% | 812 |
| Total domestic deposits to total assets | 82.6005% | 4,681 |
| Equity capital to assets | 15.0737% | 660 |
| Core capital (leverage) ratio | 14.9715% | 608 |
| Tier 1 risk-based capital ratio | 20.7567% | 1,473 |
| Total risk-based capital ratio | 22.0071% | 1,452 |
| Memoranda: | ||
| Average total assets | $35,109,800 | 6,415 |
| Average earning assets | $31,073,600 | 6,419 |
| Average equity | $5,705,400 | 5,879 |
| Average total loans | $27,634,000 | 5,868 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3091% | 58 |
| Cost of funding earning assets | 0.2674% | 5,975 |
| Net interest margin | 7.0417% | 51 |
| Noninterest income to average assets | 1.1993% | 1,019 |
| Noninterest expense to average assets | 4.3183% | 620 |
| Loan and lease loss provision to assets | 0.2037% | 1,783 |
| Net operating income to assets | 2.9342% | 118 |
| Return on assets (ROA) | 2.9342% | 120 |
| Pretax return on assets | 2.9342% | 145 |
| Return on Equity (ROE) | 17.7462% | 461 |
| Retained earnings to average equity (ytd only) | 2.4635% | 4,853 |
| Net charge-offs to loans | -0.0286% | 6,152 |
| Credit loss provision to net charge-offs | -900.0000% | 6,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9160% | 5,698 |
| Assets per employee ($millions) | 1.7776% | 6,752 |
| Cash dividends to net income (ytd only)* | 86.1179% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2684% | 4,549 |
| Loan loss allowance to noncurrent loans | 17,200.0000% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0296% | 6,392 |
| Noncurrent loans to loans | 0.0074% | 6,359 |
| Net loans and leases to total assets | 79.2776% | 624 |
| Net loans and leases to deposits | 98.9871% | 516 |
| Net loans and leases to core deposits | 114.2467% | 442 |
| Total domestic deposits to total assets | 80.0888% | 5,482 |
| Equity capital to assets | 17.5041% | 364 |
| Core capital (leverage) ratio | 16.8251% | 399 |
| Tier 1 risk-based capital ratio | 23.7211% | 1,044 |
| Total risk-based capital ratio | 24.9729% | 1,024 |
| Memoranda: | ||
| Average total assets | $35,352,500 | 6,477 |
| Average earning assets | $31,412,000 | 6,481 |
| Average equity | $5,845,250 | 5,922 |
| Average total loans | $27,947,250 | 5,909 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1301% | 59 |
| Cost of funding earning assets | 0.2747% | 6,021 |
| Net interest margin | 6.8554% | 51 |
| Noninterest income to average assets | 1.0591% | 1,363 |
| Noninterest expense to average assets | 4.2031% | 691 |
| Loan and lease loss provision to assets | 0.2007% | 1,888 |
| Net operating income to assets | 2.7760% | 131 |
| Return on assets (ROA) | 2.7760% | 138 |
| Pretax return on assets | 2.7760% | 184 |
| Return on Equity (ROE) | 17.1046% | 546 |
| Retained earnings to average equity (ytd only) | 0.9617% | 5,520 |
| Net charge-offs to loans | 0.1134% | 3,229 |
| Credit loss provision to net charge-offs | 225.0000% | 1,090 |
| Earnings coverage of net charge-offs (x) | 33.3750% | 1,060 |
| Efficiency ratio | 58.5404% | 5,662 |
| Assets per employee ($millions) | 1.9250% | 6,771 |
| Cash dividends to net income (ytd only)* | 94.3775% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0795% | 5,522 |
| Loan loss allowance to noncurrent loans | 894.1176% | 511 |
| Noncurrent assets plus other real estate owned to assets | 0.4211% | 5,227 |
| Noncurrent loans to loans | 0.1207% | 6,028 |
| Net loans and leases to total assets | 76.1613% | 971 |
| Net loans and leases to deposits | 92.9525% | 883 |
| Net loans and leases to core deposits | 110.9359% | 528 |
| Total domestic deposits to total assets | 81.9357% | 5,079 |
| Equity capital to assets | 15.9453% | 529 |
| Core capital (leverage) ratio | 15.9170% | 476 |
| Tier 1 risk-based capital ratio | 22.1471% | 1,257 |
| Total risk-based capital ratio | 23.3016% | 1,252 |
| Memoranda: | ||
| Average total assets | $35,878,330 | 6,512 |
| Average earning assets | $32,033,330 | 6,514 |
| Average equity | $5,823,000 | 5,967 |
| Average total loans | $28,223,000 | 5,924 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0193% | 61 |
| Cost of funding earning assets | 0.2966% | 5,992 |
| Net interest margin | 6.7227% | 52 |
| Noninterest income to average assets | 1.1146% | 1,197 |
| Noninterest expense to average assets | 4.7734% | 434 |
| Loan and lease loss provision to assets | 0.2026% | 1,830 |
| Net operating income to assets | 2.2629% | 211 |
| Return on assets (ROA) | 2.2629% | 239 |
| Pretax return on assets | 2.2629% | 374 |
| Return on Equity (ROE) | 13.8180% | 992 |
| Retained earnings to average equity (ytd only) | 2.1311% | 4,937 |
| Net charge-offs to loans | -0.0283% | 5,872 |
| Credit loss provision to net charge-offs | -900.0000% | 5,596 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9409% | 4,672 |
| Assets per employee ($millions) | 1.8207% | 6,874 |
| Cash dividends to net income (ytd only)* | 84.5771% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0861% | 5,662 |
| Loan loss allowance to noncurrent loans | 357.6471% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.6069% | 4,872 |
| Noncurrent loans to loans | 0.3037% | 5,640 |
| Net loans and leases to total assets | 76.0333% | 834 |
| Net loans and leases to deposits | 92.7877% | 736 |
| Net loans and leases to core deposits | 110.8238% | 470 |
| Total domestic deposits to total assets | 81.9433% | 5,212 |
| Equity capital to assets | 16.0218% | 558 |
| Core capital (leverage) ratio | 15.9910% | 463 |
| Tier 1 risk-based capital ratio | 21.9398% | 1,343 |
| Total risk-based capital ratio | 23.0830% | 1,336 |
| Memoranda: | ||
| Average total assets | $35,530,000 | 6,580 |
| Average earning assets | $32,368,000 | 6,569 |
| Average equity | $5,818,500 | 6,028 |
| Average total loans | $28,254,500 | 5,970 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3928% | 60 |
| Cost of funding earning assets | 0.4097% | 5,849 |
| Net interest margin | 6.9831% | 52 |
| Noninterest income to average assets | 1.0658% | 1,367 |
| Noninterest expense to average assets | 4.6614% | 495 |
| Loan and lease loss provision to assets | 0.1879% | 3,292 |
| Net operating income to assets | 2.4794% | 155 |
| Return on assets (ROA) | 2.4794% | 168 |
| Pretax return on assets | 2.4794% | 262 |
| Return on Equity (ROE) | 15.7033% | 705 |
| Retained earnings to average equity (ytd only) | 4.3699% | 3,153 |
| Net charge-offs to loans | 0.2233% | 3,609 |
| Credit loss provision to net charge-offs | 104.6875% | 2,854 |
| Earnings coverage of net charge-offs (x) | 14.8594% | 1,699 |
| Efficiency ratio | 63.6051% | 4,959 |
| Assets per employee ($millions) | 1.7324% | 6,957 |
| Cash dividends to net income (ytd only)* | 72.1719% | 1,282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9958% | 5,984 |
| Loan loss allowance to noncurrent loans | 236.6667% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 0.7389% | 4,626 |
| Noncurrent loans to loans | 0.4208% | 5,435 |
| Net loans and leases to total assets | 81.4933% | 361 |
| Net loans and leases to deposits | 103.1227% | 296 |
| Net loans and leases to core deposits | 125.9030% | 224 |
| Total domestic deposits to total assets | 79.0256% | 5,881 |
| Equity capital to assets | 16.7489% | 443 |
| Core capital (leverage) ratio | 16.2640% | 420 |
| Tier 1 risk-based capital ratio | 22.1751% | 1,234 |
| Total risk-based capital ratio | 23.2603% | 1,231 |
| Memoranda: | ||
| Average total assets | $35,654,200 | 6,613 |
| Average earning assets | $31,977,000 | 6,606 |
| Average equity | $5,629,400 | 6,116 |
| Average total loans | $28,664,400 | 6,011 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3806% | 63 |
| Cost of funding earning assets | 0.4410% | 5,865 |
| Net interest margin | 6.9396% | 52 |
| Noninterest income to average assets | 0.9989% | 1,501 |
| Noninterest expense to average assets | 4.6194% | 493 |
| Loan and lease loss provision to assets | 0.1819% | 3,320 |
| Net operating income to assets | 2.3914% | 212 |
| Return on assets (ROA) | 2.3914% | 226 |
| Pretax return on assets | 2.3914% | 353 |
| Return on Equity (ROE) | 15.3715% | 837 |
| Retained earnings to average equity (ytd only) | 0.1432% | 6,031 |
| Net charge-offs to loans | 0.0186% | 5,415 |
| Credit loss provision to net charge-offs | 1,225.0000% | 224 |
| Earnings coverage of net charge-offs (x) | 173.3546% | 259 |
| Efficiency ratio | 64.2230% | 4,775 |
| Assets per employee ($millions) | 1.7737% | 7,048 |
| Cash dividends to net income (ytd only)* | 99.0683% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 5,552 |
| Loan loss allowance to noncurrent loans | 146.8468% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.7555% | 4,810 |
| Noncurrent loans to loans | 0.7770% | 4,855 |
| Net loans and leases to total assets | 79.6189% | 539 |
| Net loans and leases to deposits | 95.9962% | 660 |
| Net loans and leases to core deposits | 117.5805% | 356 |
| Total domestic deposits to total assets | 82.9396% | 4,659 |
| Equity capital to assets | 15.6847% | 667 |
| Core capital (leverage) ratio | 15.0966% | 595 |
| Tier 1 risk-based capital ratio | 21.0145% | 1,523 |
| Total risk-based capital ratio | 22.2457% | 1,492 |
| Memoranda: | ||
| Average total assets | $35,906,000 | 6,693 |
| Average earning assets | $32,047,250 | 6,689 |
| Average equity | $5,586,000 | 6,196 |
| Average total loans | $28,700,750 | 6,077 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3823% | 65 |
| Cost of funding earning assets | 0.4630% | 5,884 |
| Net interest margin | 6.9193% | 55 |
| Noninterest income to average assets | 1.0153% | 1,420 |
| Noninterest expense to average assets | 4.5992% | 508 |
| Loan and lease loss provision to assets | 0.1720% | 3,384 |
| Net operating income to assets | 2.3800% | 208 |
| Return on assets (ROA) | 2.3800% | 240 |
| Pretax return on assets | 2.3800% | 362 |
| Return on Equity (ROE) | 15.3397% | 878 |
| Retained earnings to average equity (ytd only) | 0.2145% | 5,972 |
| Net charge-offs to loans | 0.0417% | 4,794 |
| Credit loss provision to net charge-offs | 516.6667% | 582 |
| Earnings coverage of net charge-offs (x) | 76.6667% | 532 |
| Efficiency ratio | 64.3134% | 4,835 |
| Assets per employee ($millions) | 1.7695% | 7,109 |
| Cash dividends to net income (ytd only)* | 98.6014% | 446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0386% | 6,008 |
| Loan loss allowance to noncurrent loans | 156.9231% | 2,141 |
| Noncurrent assets plus other real estate owned to assets | 0.6486% | 5,158 |
| Noncurrent loans to loans | 0.6619% | 5,182 |
| Net loans and leases to total assets | 78.4628% | 674 |
| Net loans and leases to deposits | 93.6167% | 807 |
| Net loans and leases to core deposits | 117.8592% | 347 |
| Total domestic deposits to total assets | 83.8128% | 4,392 |
| Equity capital to assets | 14.9735% | 797 |
| Core capital (leverage) ratio | 15.2009% | 563 |
| Tier 1 risk-based capital ratio | 20.2268% | 1,653 |
| Total risk-based capital ratio | 21.3392% | 1,654 |
| Memoranda: | ||
| Average total assets | $36,050,000 | 6,732 |
| Average earning assets | $31,968,330 | 6,735 |
| Average equity | $5,593,330 | 6,218 |
| Average total loans | $28,744,330 | 6,123 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5240% | 65 |
| Cost of funding earning assets | 0.4838% | 5,914 |
| Net interest margin | 7.0402% | 54 |
| Noninterest income to average assets | 1.0706% | 1,259 |
| Noninterest expense to average assets | 4.7105% | 453 |
| Loan and lease loss provision to assets | 0.1690% | 3,280 |
| Net operating income to assets | 2.4228% | 201 |
| Return on assets (ROA) | 2.4228% | 245 |
| Pretax return on assets | 2.4228% | 372 |
| Return on Equity (ROE) | 15.3352% | 918 |
| Retained earnings to average equity (ytd only) | 7.1327% | 2,363 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5062% | 4,832 |
| Assets per employee ($millions) | 1.8320% | 7,164 |
| Cash dividends to net income (ytd only)* | 53.4884% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 6,131 |
| Loan loss allowance to noncurrent loans | 159.1398% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.5595% | 5,485 |
| Noncurrent loans to loans | 0.6508% | 5,340 |
| Net loans and leases to total assets | 77.1937% | 678 |
| Net loans and leases to deposits | 92.5400% | 759 |
| Net loans and leases to core deposits | 117.7968% | 349 |
| Total domestic deposits to total assets | 83.4166% | 4,751 |
| Equity capital to assets | 15.4426% | 670 |
| Core capital (leverage) ratio | 15.5171% | 529 |
| Tier 1 risk-based capital ratio | 20.9820% | 1,500 |
| Total risk-based capital ratio | 22.0797% | 1,490 |
| Memoranda: | ||
| Average total assets | $35,495,500 | 6,811 |
| Average earning assets | $31,419,500 | 6,810 |
| Average equity | $5,608,000 | 6,246 |
| Average total loans | $28,385,500 | 6,188 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6280% | 63 |
| Cost of funding earning assets | 0.5801% | 6,187 |
| Net interest margin | 7.0479% | 49 |
| Noninterest income to average assets | 1.0298% | 1,287 |
| Noninterest expense to average assets | 4.5195% | 584 |
| Loan and lease loss provision to assets | 0.1516% | 4,724 |
| Net operating income to assets | 2.6488% | 112 |
| Return on assets (ROA) | 2.6488% | 114 |
| Pretax return on assets | 2.6488% | 168 |
| Return on Equity (ROE) | 17.6589% | 409 |
| Retained earnings to average equity (ytd only) | 9.3634% | 708 |
| Net charge-offs to loans | 0.2211% | 4,403 |
| Credit loss provision to net charge-offs | 84.1270% | 4,277 |
| Earnings coverage of net charge-offs (x) | 15.5397% | 1,386 |
| Efficiency ratio | 61.7429% | 5,498 |
| Assets per employee ($millions) | 1.6358% | 7,246 |
| Cash dividends to net income (ytd only)* | 46.9762% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 6,235 |
| Loan loss allowance to noncurrent loans | 826.4706% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 6,560 |
| Noncurrent loans to loans | 0.1206% | 6,510 |
| Net loans and leases to total assets | 81.2500% | 388 |
| Net loans and leases to deposits | 98.3752% | 532 |
| Net loans and leases to core deposits | 131.2409% | 224 |
| Total domestic deposits to total assets | 82.5920% | 4,928 |
| Equity capital to assets | 16.1796% | 558 |
| Core capital (leverage) ratio | 15.5573% | 512 |
| Tier 1 risk-based capital ratio | 19.8047% | 1,683 |
| Total risk-based capital ratio | 20.8060% | 1,710 |
| Memoranda: | ||
| Average total assets | $34,959,400 | 6,831 |
| Average earning assets | $31,200,800 | 6,831 |
| Average equity | $5,243,800 | 6,368 |
| Average total loans | $28,492,800 | 6,220 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6181% | 62 |
| Cost of funding earning assets | 0.5972% | 6,291 |
| Net interest margin | 7.0210% | 48 |
| Noninterest income to average assets | 0.9569% | 1,463 |
| Noninterest expense to average assets | 4.5150% | 572 |
| Loan and lease loss provision to assets | 0.1443% | 4,637 |
| Net operating income to assets | 2.5480% | 145 |
| Return on assets (ROA) | 2.5480% | 151 |
| Pretax return on assets | 2.5480% | 224 |
| Return on Equity (ROE) | 17.3204% | 534 |
| Retained earnings to average equity (ytd only) | 6.0919% | 2,505 |
| Net charge-offs to loans | -0.0093% | 6,774 |
| Credit loss provision to net charge-offs | -1,900.0000% | 6,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6449% | 5,302 |
| Assets per employee ($millions) | 1.5870% | 7,325 |
| Cash dividends to net income (ytd only)* | 64.8294% | 1,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1637% | 5,624 |
| Loan loss allowance to noncurrent loans | 441.3333% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2750% | 6,375 |
| Noncurrent loans to loans | 0.2637% | 6,347 |
| Net loans and leases to total assets | 80.5155% | 468 |
| Net loans and leases to deposits | 96.4490% | 674 |
| Net loans and leases to core deposits | 128.0846% | 267 |
| Total domestic deposits to total assets | 83.4799% | 4,489 |
| Equity capital to assets | 15.1883% | 800 |
| Core capital (leverage) ratio | 15.2337% | 621 |
| Tier 1 risk-based capital ratio | 18.7870% | 1,997 |
| Total risk-based capital ratio | 19.9596% | 1,983 |
| Memoranda: | ||
| Average total assets | $35,111,250 | 6,891 |
| Average earning assets | $31,258,000 | 6,894 |
| Average equity | $5,165,250 | 6,451 |
| Average total loans | $28,568,000 | 6,279 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5970% | 68 |
| Cost of funding earning assets | 0.6144% | 6,384 |
| Net interest margin | 6.9826% | 54 |
| Noninterest income to average assets | 0.8301% | 1,892 |
| Noninterest expense to average assets | 4.5257% | 580 |
| Loan and lease loss provision to assets | 0.1308% | 4,658 |
| Net operating income to assets | 2.3766% | 197 |
| Return on assets (ROA) | 2.3766% | 205 |
| Pretax return on assets | 2.3766% | 296 |
| Return on Equity (ROE) | 16.3303% | 632 |
| Retained earnings to average equity (ytd only) | 3.7896% | 3,805 |
| Net charge-offs to loans | -0.0140% | 6,754 |
| Credit loss provision to net charge-offs | -1,150.0000% | 6,611 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3492% | 5,173 |
| Assets per employee ($millions) | 1.6000% | 7,394 |
| Cash dividends to net income (ytd only)* | 76.7943% | 868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 6,006 |
| Loan loss allowance to noncurrent loans | 347.2527% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 6,334 |
| Noncurrent loans to loans | 0.3132% | 6,290 |
| Net loans and leases to total assets | 81.6477% | 397 |
| Net loans and leases to deposits | 97.6289% | 614 |
| Net loans and leases to core deposits | 128.6654% | 290 |
| Total domestic deposits to total assets | 83.6307% | 4,495 |
| Equity capital to assets | 14.6705% | 899 |
| Core capital (leverage) ratio | 14.6074% | 740 |
| Tier 1 risk-based capital ratio | 17.9592% | 2,185 |
| Total risk-based capital ratio | 19.0582% | 2,191 |
| Memoranda: | ||
| Average total assets | $35,176,670 | 6,950 |
| Average earning assets | $31,249,000 | 6,956 |
| Average equity | $5,119,330 | 6,497 |
| Average total loans | $28,609,670 | 6,338 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4509% | 80 |
| Cost of funding earning assets | 0.6474% | 6,392 |
| Net interest margin | 6.8035% | 58 |
| Noninterest income to average assets | 0.7394% | 2,319 |
| Noninterest expense to average assets | 4.7092% | 476 |
| Loan and lease loss provision to assets | 0.1592% | 4,035 |
| Net operating income to assets | 1.9679% | 364 |
| Return on assets (ROA) | 1.9679% | 380 |
| Pretax return on assets | 1.9679% | 590 |
| Return on Equity (ROE) | 13.5766% | 1,070 |
| Retained earnings to average equity (ytd only) | 4.7087% | 3,372 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8852% | 4,494 |
| Assets per employee ($millions) | 1.6162% | 7,456 |
| Cash dividends to net income (ytd only)* | 65.3179% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0746% | 6,140 |
| Loan loss allowance to noncurrent loans | 953.1250% | 399 |
| Noncurrent assets plus other real estate owned to assets | 0.7453% | 5,443 |
| Noncurrent loans to loans | 0.1127% | 6,767 |
| Net loans and leases to total assets | 78.9656% | 624 |
| Net loans and leases to deposits | 93.5838% | 864 |
| Net loans and leases to core deposits | 121.0111% | 396 |
| Total domestic deposits to total assets | 84.3796% | 4,334 |
| Equity capital to assets | 14.4195% | 903 |
| Core capital (leverage) ratio | 14.4219% | 756 |
| Tier 1 risk-based capital ratio | 18.0141% | 2,107 |
| Total risk-based capital ratio | 19.0858% | 2,136 |
| Memoranda: | ||
| Average total assets | $35,165,000 | 7,001 |
| Average earning assets | $31,513,000 | 7,001 |
| Average equity | $5,097,000 | 6,524 |
| Average total loans | $28,386,500 | 6,399 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9435% | 60 |
| Cost of funding earning assets | 0.7501% | 6,736 |
| Net interest margin | 7.1933% | 52 |
| Noninterest income to average assets | 0.9457% | 1,679 |
| Noninterest expense to average assets | 4.7375% | 529 |
| Loan and lease loss provision to assets | 0.2160% | 5,094 |
| Net operating income to assets | 2.2622% | 164 |
| Return on assets (ROA) | 2.2622% | 171 |
| Pretax return on assets | 2.2622% | 273 |
| Return on Equity (ROE) | 15.9847% | 585 |
| Retained earnings to average equity (ytd only) | 5.5688% | 2,079 |
| Net charge-offs to loans | 0.1783% | 5,257 |
| Credit loss provision to net charge-offs | 148.0000% | 2,464 |
| Earnings coverage of net charge-offs (x) | 16.9800% | 1,180 |
| Efficiency ratio | 65.6553% | 5,033 |
| Assets per employee ($millions) | 1.6559% | 7,525 |
| Cash dividends to net income (ytd only)* | 65.1613% | 1,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 6,258 |
| Loan loss allowance to noncurrent loans | 970.0000% | 376 |
| Noncurrent assets plus other real estate owned to assets | 0.8196% | 5,359 |
| Noncurrent loans to loans | 0.1057% | 6,877 |
| Net loans and leases to total assets | 80.8075% | 566 |
| Net loans and leases to deposits | 96.0027% | 869 |
| Net loans and leases to core deposits | 126.1731% | 390 |
| Total domestic deposits to total assets | 84.1721% | 4,287 |
| Equity capital to assets | 14.5712% | 888 |
| Core capital (leverage) ratio | 14.2922% | 791 |
| Tier 1 risk-based capital ratio | 17.8800% | 2,038 |
| Total risk-based capital ratio | 18.9068% | 2,075 |
| Memoranda: | ||
| Average total assets | $34,258,600 | 7,065 |
| Average earning assets | $29,861,000 | 7,093 |
| Average equity | $4,848,400 | 6,714 |
| Average total loans | $28,036,400 | 6,494 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0118% | 59 |
| Cost of funding earning assets | 0.7686% | 6,849 |
| Net interest margin | 7.2432% | 47 |
| Noninterest income to average assets | 0.9883% | 1,493 |
| Noninterest expense to average assets | 4.8324% | 433 |
| Loan and lease loss provision to assets | 0.2227% | 4,827 |
| Net operating income to assets | 2.1916% | 243 |
| Return on assets (ROA) | 2.1916% | 261 |
| Pretax return on assets | 2.1916% | 419 |
| Return on Equity (ROE) | 15.6032% | 762 |
| Retained earnings to average equity (ytd only) | 1.5574% | 5,175 |
| Net charge-offs to loans | 0.2528% | 4,426 |
| Credit loss provision to net charge-offs | 107.5472% | 3,967 |
| Earnings coverage of net charge-offs (x) | 11.6612% | 1,773 |
| Efficiency ratio | 66.6846% | 4,717 |
| Assets per employee ($millions) | 1.6223% | 7,634 |
| Cash dividends to net income (ytd only)* | 90.0184% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9617% | 6,536 |
| Loan loss allowance to noncurrent loans | 229.6610% | 1,272 |
| Noncurrent assets plus other real estate owned to assets | 1.1536% | 4,808 |
| Noncurrent loans to loans | 0.4188% | 6,362 |
| Net loans and leases to total assets | 81.9156% | 506 |
| Net loans and leases to deposits | 97.0307% | 882 |
| Net loans and leases to core deposits | 129.6854% | 382 |
| Total domestic deposits to total assets | 84.4223% | 3,910 |
| Equity capital to assets | 14.2450% | 1,104 |
| Core capital (leverage) ratio | 13.9824% | 923 |
| Tier 1 risk-based capital ratio | 17.2453% | 2,264 |
| Total risk-based capital ratio | 18.2083% | 2,319 |
| Memoranda: | ||
| Average total assets | $34,129,750 | 7,155 |
| Average earning assets | $29,489,000 | 7,188 |
| Average equity | $4,793,750 | 6,814 |
| Average total loans | $27,947,750 | 6,594 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0594% | 61 |
| Cost of funding earning assets | 0.7875% | 6,956 |
| Net interest margin | 7.2720% | 51 |
| Noninterest income to average assets | 1.0190% | 1,324 |
| Noninterest expense to average assets | 4.9194% | 402 |
| Loan and lease loss provision to assets | 0.2167% | 4,721 |
| Net operating income to assets | 2.1025% | 277 |
| Return on assets (ROA) | 2.1025% | 301 |
| Pretax return on assets | 2.1025% | 487 |
| Return on Equity (ROE) | 15.0398% | 853 |
| Retained earnings to average equity (ytd only) | -1.7176% | 6,102 |
| Net charge-offs to loans | 0.3731% | 3,493 |
| Credit loss provision to net charge-offs | 71.1538% | 4,939 |
| Earnings coverage of net charge-offs (x) | 7.6154% | 2,270 |
| Efficiency ratio | 67.9612% | 4,591 |
| Assets per employee ($millions) | 1.6329% | 7,700 |
| Cash dividends to net income (ytd only)* | 111.4206% | 350 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9039% | 6,746 |
| Loan loss allowance to noncurrent loans | 268.0851% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 1.0761% | 4,978 |
| Noncurrent loans to loans | 0.3372% | 6,556 |
| Net loans and leases to total assets | 80.5658% | 716 |
| Net loans and leases to deposits | 95.8770% | 1,061 |
| Net loans and leases to core deposits | 128.8827% | 437 |
| Total domestic deposits to total assets | 84.0303% | 4,094 |
| Equity capital to assets | 13.8699% | 1,214 |
| Core capital (leverage) ratio | 13.5144% | 1,050 |
| Tier 1 risk-based capital ratio | 16.7956% | 2,363 |
| Total risk-based capital ratio | 17.6855% | 2,445 |
| Memoranda: | ||
| Average total assets | $34,150,330 | 7,206 |
| Average earning assets | $29,208,000 | 7,250 |
| Average equity | $4,774,000 | 6,853 |
| Average total loans | $27,871,000 | 6,642 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0405% | 70 |
| Cost of funding earning assets | 0.7958% | 7,104 |
| Net interest margin | 7.2447% | 58 |
| Noninterest income to average assets | 0.9976% | 1,319 |
| Noninterest expense to average assets | 4.9765% | 368 |
| Loan and lease loss provision to assets | 0.2113% | 4,396 |
| Net operating income to assets | 2.0070% | 345 |
| Return on assets (ROA) | 2.0070% | 375 |
| Pretax return on assets | 2.0070% | 597 |
| Return on Equity (ROE) | 14.3006% | 994 |
| Retained earnings to average equity (ytd only) | -2.4253% | 6,279 |
| Net charge-offs to loans | -0.0431% | 7,304 |
| Credit loss provision to net charge-offs | -600.0000% | 6,300 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1680% | 4,479 |
| Assets per employee ($millions) | 1.5058% | 7,821 |
| Cash dividends to net income (ytd only)* | 116.9591% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 6,349 |
| Loan loss allowance to noncurrent loans | 213.3333% | 1,338 |
| Noncurrent assets plus other real estate owned to assets | 1.1838% | 4,810 |
| Noncurrent loans to loans | 0.4796% | 6,335 |
| Net loans and leases to total assets | 80.4406% | 777 |
| Net loans and leases to deposits | 96.4814% | 1,047 |
| Net loans and leases to core deposits | 131.6837% | 446 |
| Total domestic deposits to total assets | 83.3742% | 4,440 |
| Equity capital to assets | 13.7701% | 1,220 |
| Core capital (leverage) ratio | 13.8670% | 987 |
| Tier 1 risk-based capital ratio | 16.6859% | 2,382 |
| Total risk-based capital ratio | 17.6936% | 2,427 |
| Memoranda: | ||
| Average total assets | $34,080,500 | 7,301 |
| Average earning assets | $29,152,500 | 7,348 |
| Average equity | $4,783,000 | 6,920 |
| Average total loans | $27,867,500 | 6,726 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2642% | 66 |
| Cost of funding earning assets | 1.1430% | 6,842 |
| Net interest margin | 7.1212% | 51 |
| Noninterest income to average assets | 1.1032% | 1,260 |
| Noninterest expense to average assets | 4.7836% | 616 |
| Loan and lease loss provision to assets | 0.2118% | 5,647 |
| Net operating income to assets | 2.2300% | 138 |
| Return on assets (ROA) | 2.2300% | 147 |
| Pretax return on assets | 2.2300% | 258 |
| Return on Equity (ROE) | 16.6564% | 490 |
| Retained earnings to average equity (ytd only) | 7.6910% | 776 |
| Net charge-offs to loans | 0.3443% | 4,510 |
| Credit loss provision to net charge-offs | 76.5957% | 6,368 |
| Earnings coverage of net charge-offs (x) | 8.8298% | 1,885 |
| Efficiency ratio | 66.2052% | 5,355 |
| Assets per employee ($millions) | 1.4577% | 7,907 |
| Cash dividends to net income (ytd only)* | 53.8259% | 2,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9678% | 6,543 |
| Loan loss allowance to noncurrent loans | 200.7519% | 1,483 |
| Noncurrent assets plus other real estate owned to assets | 1.2169% | 4,660 |
| Noncurrent loans to loans | 0.4821% | 6,294 |
| Net loans and leases to total assets | 81.4871% | 767 |
| Net loans and leases to deposits | 97.4358% | 1,164 |
| Net loans and leases to core deposits | 139.2153% | 836 |
| Total domestic deposits to total assets | 83.6316% | 4,214 |
| Equity capital to assets | 14.3074% | 1,075 |
| Core capital (leverage) ratio | 14.1806% | 951 |
| Tier 1 risk-based capital ratio | 17.1757% | 2,108 |
| Total risk-based capital ratio | 18.1317% | 2,154 |
| Memoranda: | ||
| Average total assets | $33,991,000 | 7,323 |
| Average earning assets | $29,222,600 | 7,386 |
| Average equity | $4,550,800 | 7,096 |
| Average total loans | $27,302,800 | 6,783 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2763% | 66 |
| Cost of funding earning assets | 1.2330% | 6,792 |
| Net interest margin | 7.0433% | 48 |
| Noninterest income to average assets | 1.0985% | 1,320 |
| Noninterest expense to average assets | 4.8239% | 555 |
| Loan and lease loss provision to assets | 0.1681% | 5,676 |
| Net operating income to assets | 2.1579% | 203 |
| Return on assets (ROA) | 2.1579% | 220 |
| Pretax return on assets | 2.1579% | 388 |
| Return on Equity (ROE) | 16.3943% | 608 |
| Retained earnings to average equity (ytd only) | 4.2769% | 2,885 |
| Net charge-offs to loans | 0.3035% | 4,131 |
| Credit loss provision to net charge-offs | 69.3548% | 5,993 |
| Earnings coverage of net charge-offs (x) | 9.5973% | 2,086 |
| Efficiency ratio | 67.4686% | 5,076 |
| Assets per employee ($millions) | 1.4737% | 7,992 |
| Cash dividends to net income (ytd only)* | 73.9137% | 1,137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9800% | 6,398 |
| Loan loss allowance to noncurrent loans | 156.0694% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 1.4132% | 4,277 |
| Noncurrent loans to loans | 0.6279% | 6,042 |
| Net loans and leases to total assets | 80.4921% | 1,089 |
| Net loans and leases to deposits | 95.4650% | 1,650 |
| Net loans and leases to core deposits | 137.2058% | 1,047 |
| Total domestic deposits to total assets | 84.3158% | 3,568 |
| Equity capital to assets | 13.5422% | 1,478 |
| Core capital (leverage) ratio | 13.6141% | 1,199 |
| Tier 1 risk-based capital ratio | 16.3520% | 2,494 |
| Total risk-based capital ratio | 17.3139% | 2,537 |
| Memoranda: | ||
| Average total assets | $34,106,750 | 7,378 |
| Average earning assets | $29,303,750 | 7,447 |
| Average equity | $4,489,250 | 7,183 |
| Average total loans | $27,231,500 | 6,844 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2620% | 75 |
| Cost of funding earning assets | 1.3600% | 6,622 |
| Net interest margin | 6.9020% | 56 |
| Noninterest income to average assets | 0.8895% | 2,025 |
| Noninterest expense to average assets | 4.7985% | 596 |
| Loan and lease loss provision to assets | 0.1638% | 5,421 |
| Net operating income to assets | 1.8667% | 402 |
| Return on assets (ROA) | 1.8667% | 435 |
| Pretax return on assets | 1.8667% | 747 |
| Return on Equity (ROE) | 14.3188% | 940 |
| Retained earnings to average equity (ytd only) | 0.5386% | 4,983 |
| Net charge-offs to loans | 0.3834% | 3,284 |
| Credit loss provision to net charge-offs | 53.8462% | 5,701 |
| Earnings coverage of net charge-offs (x) | 6.6731% | 2,572 |
| Efficiency ratio | 70.2656% | 4,720 |
| Assets per employee ($millions) | 1.4760% | 8,078 |
| Cash dividends to net income (ytd only)* | 96.2382% | 772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9558% | 6,527 |
| Loan loss allowance to noncurrent loans | 68.8312% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.6348% | 3,758 |
| Noncurrent loans to loans | 1.3886% | 4,436 |
| Net loans and leases to total assets | 80.8860% | 1,159 |
| Net loans and leases to deposits | 96.7310% | 1,693 |
| Net loans and leases to core deposits | 131.1742% | 1,479 |
| Total domestic deposits to total assets | 83.6195% | 3,955 |
| Equity capital to assets | 13.1315% | 1,646 |
| Core capital (leverage) ratio | 12.8576% | 1,477 |
| Tier 1 risk-based capital ratio | 16.3729% | 2,490 |
| Total risk-based capital ratio | 17.3461% | 2,539 |
| Memoranda: | ||
| Average total assets | $34,177,670 | 7,442 |
| Average earning assets | $29,411,670 | 7,508 |
| Average equity | $4,455,670 | 7,254 |
| Average total loans | $27,124,670 | 6,913 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0490% | 89 |
| Cost of funding earning assets | 1.4931% | 6,423 |
| Net interest margin | 6.5559% | 71 |
| Noninterest income to average assets | 0.7932% | 2,362 |
| Noninterest expense to average assets | 4.8175% | 550 |
| Loan and lease loss provision to assets | 0.1633% | 4,844 |
| Net operating income to assets | 1.4464% | 1,048 |
| Return on assets (ROA) | 1.4464% | 1,125 |
| Pretax return on assets | 1.4464% | 1,826 |
| Return on Equity (ROE) | 11.1348% | 1,929 |
| Retained earnings to average equity (ytd only) | 1.5265% | 4,994 |
| Net charge-offs to loans | 0.0149% | 5,381 |
| Credit loss provision to net charge-offs | 1,400.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 318 |
| Efficiency ratio | 74.9546% | 3,671 |
| Assets per employee ($millions) | 1.4571% | 8,123 |
| Cash dividends to net income (ytd only)* | 86.2903% | 941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1208% | 5,321 |
| Loan loss allowance to noncurrent loans | 30.2000% | 6,541 |
| Noncurrent assets plus other real estate owned to assets | 3.3972% | 1,600 |
| Noncurrent loans to loans | 3.7111% | 1,674 |
| Net loans and leases to total assets | 76.1910% | 2,229 |
| Net loans and leases to deposits | 89.1820% | 3,077 |
| Net loans and leases to core deposits | 121.5455% | 2,289 |
| Total domestic deposits to total assets | 85.4332% | 2,998 |
| Equity capital to assets | 12.7624% | 1,849 |
| Core capital (leverage) ratio | 12.8569% | 1,532 |
| Tier 1 risk-based capital ratio | 16.6854% | 2,454 |
| Total risk-based capital ratio | 17.8144% | 2,420 |
| Memoranda: | ||
| Average total assets | $34,292,000 | 7,482 |
| Average earning assets | $29,469,500 | 7,545 |
| Average equity | $4,454,500 | 7,302 |
| Average total loans | $26,824,500 | 6,950 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8183% | 80 |
| Cost of funding earning assets | 2.2976% | 5,158 |
| Net interest margin | 6.5207% | 74 |
| Noninterest income to average assets | 0.8971% | 1,965 |
| Noninterest expense to average assets | 4.5452% | 848 |
| Loan and lease loss provision to assets | 0.2876% | 4,084 |
| Net operating income to assets | 1.7543% | 599 |
| Return on assets (ROA) | 1.7543% | 577 |
| Pretax return on assets | 1.7543% | 1,042 |
| Return on Equity (ROE) | 13.9778% | 1,113 |
| Retained earnings to average equity (ytd only) | -0.7715% | 5,534 |
| Net charge-offs to loans | 0.1228% | 5,015 |
| Credit loss provision to net charge-offs | 306.0606% | 1,472 |
| Earnings coverage of net charge-offs (x) | 21.7273% | 1,514 |
| Efficiency ratio | 69.0013% | 4,535 |
| Assets per employee ($millions) | 1.4006% | 8,182 |
| Cash dividends to net income (ytd only)* | 105.5195% | 863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0823% | 5,401 |
| Loan loss allowance to noncurrent loans | 47.2995% | 5,654 |
| Noncurrent assets plus other real estate owned to assets | 2.4335% | 1,991 |
| Noncurrent loans to loans | 2.2881% | 2,416 |
| Net loans and leases to total assets | 78.5804% | 1,986 |
| Net loans and leases to deposits | 92.5865% | 3,037 |
| Net loans and leases to core deposits | 121.2207% | 2,590 |
| Total domestic deposits to total assets | 84.8724% | 2,902 |
| Equity capital to assets | 13.2266% | 1,697 |
| Core capital (leverage) ratio | 12.9632% | 1,554 |
| Tier 1 risk-based capital ratio | 17.1999% | 2,253 |
| Total risk-based capital ratio | 18.3179% | 2,241 |
| Memoranda: | ||
| Average total assets | $35,113,600 | 7,417 |
| Average earning assets | $30,641,000 | 7,482 |
| Average equity | $4,407,000 | 7,356 |
| Average total loans | $26,875,800 | 6,907 |