Home > First State Bank of St. Robert > Performance and Condition Ratios
First State Bank of St. Robert, 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 | 4.2407% | 2,313 |
| Cost of funding earning assets | 0.4254% | 3,011 |
| Net interest margin | 3.8153% | 2,183 |
| Noninterest income to average assets | 0.6275% | 2,510 |
| Noninterest expense to average assets | 3.2440% | 1,857 |
| Loan and lease loss provision to assets | 0.0984% | 2,055 |
| Net operating income to assets | 0.6234% | 4,181 |
| Return on assets (ROA) | 0.6234% | 4,280 |
| Pretax return on assets | 0.7792% | 4,319 |
| Return on Equity (ROE) | 5.4410% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.4410% | 2,811 |
| Net charge-offs to loans | -0.0074% | 4,614 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,155 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7065% | 2,085 |
| Assets per employee ($millions) | 2.7738% | 5,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8164% | 1,461 |
| Loan loss allowance to noncurrent loans | 920.7547% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.3996% | 4,430 |
| Noncurrent loans to loans | 0.1973% | 5,071 |
| Net loans and leases to total assets | 52.8326% | 4,576 |
| Net loans and leases to deposits | 59.7969% | 4,760 |
| Net loans and leases to core deposits | 60.8845% | 4,928 |
| Total domestic deposits to total assets | 88.3533% | 1,630 |
| Equity capital to assets | 11.2942% | 2,653 |
| Core capital (leverage) ratio | 11.3924% | 2,091 |
| Tier 1 risk-based capital ratio | 19.8995% | 1,654 |
| Total risk-based capital ratio | 21.1547% | 1,610 |
| Memoranda: | ||
| Average total assets | $97,534,500 | 4,637 |
| Average earning assets | $89,325,500 | 4,649 |
| Average equity | $11,174,500 | 4,567 |
| Average total loans | $54,060,000 | 4,674 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3898% | 2,254 |
| Cost of funding earning assets | 0.5043% | 2,627 |
| Net interest margin | 3.8856% | 2,297 |
| Noninterest income to average assets | 0.3588% | 4,531 |
| Noninterest expense to average assets | 3.3011% | 1,929 |
| Loan and lease loss provision to assets | 0.0716% | 3,051 |
| Net operating income to assets | 0.4399% | 5,068 |
| Return on assets (ROA) | 0.4399% | 5,156 |
| Pretax return on assets | 0.5377% | 5,149 |
| Return on Equity (ROE) | 3.8833% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.8833% | 3,456 |
| Net charge-offs to loans | -0.0058% | 5,479 |
| Credit loss provision to net charge-offs | -2,266.6667% | 5,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4187% | 1,355 |
| Assets per employee ($millions) | 2.6448% | 6,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7486% | 1,661 |
| Loan loss allowance to noncurrent loans | 408.1545% | 1,251 |
| Noncurrent assets plus other real estate owned to assets | 0.5525% | 3,957 |
| Noncurrent loans to loans | 0.4284% | 4,357 |
| Net loans and leases to total assets | 56.1232% | 4,320 |
| Net loans and leases to deposits | 63.6719% | 4,557 |
| Net loans and leases to core deposits | 64.8889% | 4,763 |
| Total domestic deposits to total assets | 88.1444% | 1,689 |
| Equity capital to assets | 11.6277% | 2,319 |
| Core capital (leverage) ratio | 11.5595% | 1,936 |
| Tier 1 risk-based capital ratio | 19.5540% | 1,703 |
| Total risk-based capital ratio | 20.8096% | 1,667 |
| Memoranda: | ||
| Average total assets | $95,027,800 | 4,723 |
| Average earning assets | $86,860,200 | 4,723 |
| Average equity | $10,764,000 | 4,606 |
| Average total loans | $51,911,200 | 4,756 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3673% | 2,358 |
| Cost of funding earning assets | 0.5231% | 2,541 |
| Net interest margin | 3.8442% | 2,459 |
| Noninterest income to average assets | 0.2428% | 5,464 |
| Noninterest expense to average assets | 3.2735% | 1,960 |
| Loan and lease loss provision to assets | 0.0954% | 2,459 |
| Net operating income to assets | 0.3495% | 5,423 |
| Return on assets (ROA) | 0.3495% | 5,499 |
| Pretax return on assets | 0.3916% | 5,596 |
| Return on Equity (ROE) | 3.1064% | 5,503 |
| Retained earnings to average equity (ytd only) | 3.1064% | 4,412 |
| Net charge-offs to loans | -0.0234% | 5,660 |
| Credit loss provision to net charge-offs | -755.5556% | 5,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0474% | 1,090 |
| Assets per employee ($millions) | 2.7979% | 5,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8135% | 1,666 |
| Loan loss allowance to noncurrent loans | 228.4689% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 4,080 |
| Noncurrent loans to loans | 0.7938% | 3,600 |
| Net loans and leases to total assets | 54.3531% | 4,538 |
| Net loans and leases to deposits | 61.5228% | 4,792 |
| Net loans and leases to core deposits | 62.6963% | 4,987 |
| Total domestic deposits to total assets | 88.3462% | 1,578 |
| Equity capital to assets | 11.4498% | 2,534 |
| Core capital (leverage) ratio | 11.3977% | 2,134 |
| Tier 1 risk-based capital ratio | 20.0350% | 1,665 |
| Total risk-based capital ratio | 21.2917% | 1,631 |
| Memoranda: | ||
| Average total assets | $94,981,750 | 4,769 |
| Average earning assets | $86,917,500 | 4,772 |
| Average equity | $10,687,250 | 4,649 |
| Average total loans | $51,292,250 | 4,820 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3550% | 2,364 |
| Cost of funding earning assets | 0.5481% | 2,364 |
| Net interest margin | 3.8069% | 2,549 |
| Noninterest income to average assets | 0.0653% | 6,392 |
| Noninterest expense to average assets | 3.2823% | 1,964 |
| Loan and lease loss provision to assets | 0.0948% | 2,444 |
| Net operating income to assets | 0.2149% | 5,788 |
| Return on assets (ROA) | 0.2149% | 5,851 |
| Pretax return on assets | 0.1706% | 5,987 |
| Return on Equity (ROE) | 1.9211% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.9211% | 4,921 |
| Net charge-offs to loans | -0.0118% | 5,367 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,778 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5178% | 732 |
| Assets per employee ($millions) | 2.7330% | 6,096 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7911% | 1,863 |
| Loan loss allowance to noncurrent loans | 494.6524% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 3,832 |
| Noncurrent loans to loans | 0.3621% | 4,906 |
| Net loans and leases to total assets | 53.0212% | 4,640 |
| Net loans and leases to deposits | 59.8541% | 4,880 |
| Net loans and leases to core deposits | 60.9848% | 5,054 |
| Total domestic deposits to total assets | 88.5841% | 1,591 |
| Equity capital to assets | 11.2100% | 2,688 |
| Core capital (leverage) ratio | 11.1969% | 2,246 |
| Tier 1 risk-based capital ratio | 19.7823% | 1,740 |
| Total risk-based capital ratio | 21.0384% | 1,703 |
| Memoranda: | ||
| Average total assets | $94,933,000 | 4,799 |
| Average earning assets | $86,842,000 | 4,810 |
| Average equity | $10,619,000 | 4,678 |
| Average total loans | $50,836,330 | 4,864 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3600% | 2,295 |
| Cost of funding earning assets | 0.5496% | 2,420 |
| Net interest margin | 3.8104% | 2,430 |
| Noninterest income to average assets | 0.5752% | 2,884 |
| Noninterest expense to average assets | 3.2441% | 2,092 |
| Loan and lease loss provision to assets | 0.0931% | 2,365 |
| Net operating income to assets | 0.5668% | 4,367 |
| Return on assets (ROA) | 0.5668% | 4,446 |
| Pretax return on assets | 0.7275% | 4,397 |
| Return on Equity (ROE) | 5.0724% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.0724% | 3,080 |
| Net charge-offs to loans | -0.0079% | 4,954 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,487 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8127% | 2,237 |
| Assets per employee ($millions) | 2.5296% | 6,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8151% | 1,991 |
| Loan loss allowance to noncurrent loans | 3,604.0000% | 167 |
| Noncurrent assets plus other real estate owned to assets | 0.5462% | 4,509 |
| Noncurrent loans to loans | 0.0504% | 5,998 |
| Net loans and leases to total assets | 50.7043% | 4,829 |
| Net loans and leases to deposits | 57.2255% | 5,013 |
| Net loans and leases to core deposits | 58.2995% | 5,181 |
| Total domestic deposits to total assets | 88.6043% | 1,888 |
| Equity capital to assets | 11.1231% | 2,601 |
| Core capital (leverage) ratio | 11.3914% | 2,059 |
| Tier 1 risk-based capital ratio | 19.9286% | 1,743 |
| Total risk-based capital ratio | 21.1847% | 1,707 |
| Memoranda: | ||
| Average total assets | $94,571,500 | 4,856 |
| Average earning assets | $86,606,000 | 4,851 |
| Average equity | $10,567,000 | 4,712 |
| Average total loans | $50,433,000 | 4,916 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5408% | 2,058 |
| Cost of funding earning assets | 0.6418% | 2,279 |
| Net interest margin | 3.8990% | 2,290 |
| Noninterest income to average assets | 0.6971% | 2,556 |
| Noninterest expense to average assets | 3.2945% | 2,163 |
| Loan and lease loss provision to assets | 0.1357% | 2,613 |
| Net operating income to assets | 0.6689% | 3,944 |
| Return on assets (ROA) | 0.6689% | 4,038 |
| Pretax return on assets | 0.9183% | 3,685 |
| Return on Equity (ROE) | 6.2378% | 3,950 |
| Retained earnings to average equity (ytd only) | 6.2378% | 1,822 |
| Net charge-offs to loans | 0.1688% | 3,133 |
| Credit loss provision to net charge-offs | 144.4444% | 1,610 |
| Earnings coverage of net charge-offs (x) | 11.2222% | 2,261 |
| Efficiency ratio | 75.7619% | 2,815 |
| Assets per employee ($millions) | 2.5140% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 2,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 4,346 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 54.1244% | 4,566 |
| Net loans and leases to deposits | 61.1025% | 4,818 |
| Net loans and leases to core deposits | 62.6763% | 5,002 |
| Total domestic deposits to total assets | 88.5798% | 1,869 |
| Equity capital to assets | 11.2257% | 2,404 |
| Core capital (leverage) ratio | 11.2623% | 2,151 |
| Tier 1 risk-based capital ratio | 19.6807% | 1,732 |
| Total risk-based capital ratio | 20.9349% | 1,700 |
| Memoranda: | ||
| Average total assets | $95,826,400 | 4,841 |
| Average earning assets | $89,741,000 | 4,781 |
| Average equity | $10,276,000 | 4,788 |
| Average total loans | $53,331,200 | 4,836 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5260% | 2,136 |
| Cost of funding earning assets | 0.6575% | 2,300 |
| Net interest margin | 3.8686% | 2,384 |
| Noninterest income to average assets | 0.7031% | 2,588 |
| Noninterest expense to average assets | 3.3316% | 1,997 |
| Loan and lease loss provision to assets | 0.1381% | 2,565 |
| Net operating income to assets | 0.6312% | 4,209 |
| Return on assets (ROA) | 0.6312% | 4,332 |
| Pretax return on assets | 0.8743% | 3,991 |
| Return on Equity (ROE) | 5.9536% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.9536% | 2,443 |
| Net charge-offs to loans | 0.2030% | 2,608 |
| Credit loss provision to net charge-offs | 121.9512% | 1,931 |
| Earnings coverage of net charge-offs (x) | 8.9391% | 2,555 |
| Efficiency ratio | 76.6932% | 2,616 |
| Assets per employee ($millions) | 2.5382% | 6,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 2,887 |
| Loan loss allowance to noncurrent loans | 1,027.3810% | 456 |
| Noncurrent assets plus other real estate owned to assets | 0.6159% | 4,590 |
| Noncurrent loans to loans | 0.1585% | 5,841 |
| Net loans and leases to total assets | 54.0352% | 4,610 |
| Net loans and leases to deposits | 61.3593% | 4,825 |
| Net loans and leases to core deposits | 62.8890% | 5,025 |
| Total domestic deposits to total assets | 88.0635% | 2,094 |
| Equity capital to assets | 10.6084% | 3,154 |
| Core capital (leverage) ratio | 10.9605% | 2,519 |
| Tier 1 risk-based capital ratio | 19.1245% | 1,949 |
| Total risk-based capital ratio | 20.3794% | 1,919 |
| Memoranda: | ||
| Average total assets | $96,528,250 | 4,869 |
| Average earning assets | $90,850,000 | 4,786 |
| Average equity | $10,234,500 | 4,841 |
| Average total loans | $53,857,500 | 4,861 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5330% | 2,076 |
| Cost of funding earning assets | 0.6714% | 2,299 |
| Net interest margin | 3.8616% | 2,339 |
| Noninterest income to average assets | 0.6815% | 2,734 |
| Noninterest expense to average assets | 3.3184% | 2,023 |
| Loan and lease loss provision to assets | 0.1450% | 2,527 |
| Net operating income to assets | 0.6297% | 4,159 |
| Return on assets (ROA) | 0.6297% | 4,314 |
| Pretax return on assets | 0.8638% | 4,049 |
| Return on Equity (ROE) | 5.9402% | 4,208 |
| Retained earnings to average equity (ytd only) | 5.9402% | 2,473 |
| Net charge-offs to loans | 0.2512% | 2,222 |
| Credit loss provision to net charge-offs | 102.9412% | 2,151 |
| Earnings coverage of net charge-offs (x) | 7.1618% | 2,590 |
| Efficiency ratio | 76.6874% | 2,683 |
| Assets per employee ($millions) | 2.5163% | 6,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5733% | 3,253 |
| Loan loss allowance to noncurrent loans | 741.2281% | 610 |
| Noncurrent assets plus other real estate owned to assets | 0.5700% | 4,827 |
| Noncurrent loans to loans | 0.2123% | 5,772 |
| Net loans and leases to total assets | 55.2860% | 4,403 |
| Net loans and leases to deposits | 62.8395% | 4,647 |
| Net loans and leases to core deposits | 64.2072% | 4,869 |
| Total domestic deposits to total assets | 87.9796% | 2,258 |
| Equity capital to assets | 10.7267% | 3,027 |
| Core capital (leverage) ratio | 10.6192% | 2,743 |
| Tier 1 risk-based capital ratio | 18.9899% | 1,994 |
| Total risk-based capital ratio | 20.2433% | 1,958 |
| Memoranda: | ||
| Average total assets | $96,553,670 | 4,905 |
| Average earning assets | $91,154,000 | 4,810 |
| Average equity | $10,235,330 | 4,886 |
| Average total loans | $54,149,670 | 4,879 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5442% | 2,009 |
| Cost of funding earning assets | 0.6840% | 2,352 |
| Net interest margin | 3.8602% | 2,244 |
| Noninterest income to average assets | 0.6184% | 3,037 |
| Noninterest expense to average assets | 3.2158% | 2,303 |
| Loan and lease loss provision to assets | 0.1649% | 2,217 |
| Net operating income to assets | 0.6597% | 3,905 |
| Return on assets (ROA) | 0.6597% | 4,066 |
| Pretax return on assets | 0.8905% | 3,795 |
| Return on Equity (ROE) | 6.2595% | 3,910 |
| Retained earnings to average equity (ytd only) | 6.2595% | 2,535 |
| Net charge-offs to loans | 0.4194% | 1,405 |
| Credit loss provision to net charge-offs | 70.1754% | 2,292 |
| Earnings coverage of net charge-offs (x) | 4.4912% | 2,540 |
| Efficiency ratio | 75.2896% | 3,043 |
| Assets per employee ($millions) | 2.6382% | 6,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5280% | 3,707 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4497% | 5,257 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 54.4020% | 4,346 |
| Net loans and leases to deposits | 61.7122% | 4,590 |
| Net loans and leases to core deposits | 63.0225% | 4,843 |
| Total domestic deposits to total assets | 88.1544% | 2,224 |
| Equity capital to assets | 10.5610% | 3,477 |
| Core capital (leverage) ratio | 10.4077% | 2,894 |
| Tier 1 risk-based capital ratio | 18.5858% | 2,162 |
| Total risk-based capital ratio | 19.8390% | 2,133 |
| Memoranda: | ||
| Average total assets | $97,020,000 | 4,927 |
| Average earning assets | $91,809,500 | 4,847 |
| Average equity | $10,224,500 | 4,944 |
| Average total loans | $54,369,500 | 4,906 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9171% | 1,779 |
| Cost of funding earning assets | 0.8173% | 2,525 |
| Net interest margin | 4.0998% | 2,004 |
| Noninterest income to average assets | 0.6940% | 2,752 |
| Noninterest expense to average assets | 3.3026% | 2,321 |
| Loan and lease loss provision to assets | 0.1549% | 3,677 |
| Net operating income to assets | 0.8169% | 3,206 |
| Return on assets (ROA) | 0.8169% | 3,453 |
| Pretax return on assets | 1.1164% | 3,097 |
| Return on Equity (ROE) | 8.0688% | 3,055 |
| Retained earnings to average equity (ytd only) | 8.0688% | 1,099 |
| Net charge-offs to loans | 0.2133% | 3,680 |
| Credit loss provision to net charge-offs | 126.0504% | 2,241 |
| Earnings coverage of net charge-offs (x) | 10.3445% | 2,149 |
| Efficiency ratio | 72.2059% | 3,376 |
| Assets per employee ($millions) | 2.6061% | 6,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 3,579 |
| Loan loss allowance to noncurrent loans | 887.3684% | 504 |
| Noncurrent assets plus other real estate owned to assets | 0.4957% | 5,234 |
| Noncurrent loans to loans | 0.1733% | 6,043 |
| Net loans and leases to total assets | 55.9683% | 4,295 |
| Net loans and leases to deposits | 63.3978% | 4,616 |
| Net loans and leases to core deposits | 65.7273% | 4,770 |
| Total domestic deposits to total assets | 88.2812% | 2,039 |
| Equity capital to assets | 10.5158% | 3,512 |
| Core capital (leverage) ratio | 10.2214% | 3,108 |
| Tier 1 risk-based capital ratio | 18.3241% | 2,163 |
| Total risk-based capital ratio | 19.5777% | 2,123 |
| Memoranda: | ||
| Average total assets | $96,831,800 | 4,916 |
| Average earning assets | $91,638,600 | 4,818 |
| Average equity | $9,803,200 | 5,023 |
| Average total loans | $55,786,600 | 4,875 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9616% | 1,799 |
| Cost of funding earning assets | 0.8485% | 2,551 |
| Net interest margin | 4.1131% | 2,046 |
| Noninterest income to average assets | 0.7221% | 2,610 |
| Noninterest expense to average assets | 3.3479% | 2,137 |
| Loan and lease loss provision to assets | 0.1513% | 3,650 |
| Net operating income to assets | 0.8184% | 3,352 |
| Return on assets (ROA) | 0.8184% | 3,598 |
| Pretax return on assets | 1.1169% | 3,290 |
| Return on Equity (ROE) | 8.1625% | 3,204 |
| Retained earnings to average equity (ytd only) | 8.1625% | 1,551 |
| Net charge-offs to loans | 0.1214% | 4,163 |
| Credit loss provision to net charge-offs | 215.6863% | 1,289 |
| Earnings coverage of net charge-offs (x) | 18.0779% | 1,585 |
| Efficiency ratio | 72.5268% | 3,228 |
| Assets per employee ($millions) | 2.5507% | 6,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5899% | 3,558 |
| Loan loss allowance to noncurrent loans | 127.9412% | 2,628 |
| Noncurrent assets plus other real estate owned to assets | 0.9161% | 4,449 |
| Noncurrent loans to loans | 1.2427% | 3,974 |
| Net loans and leases to total assets | 55.5557% | 4,514 |
| Net loans and leases to deposits | 62.8394% | 4,871 |
| Net loans and leases to core deposits | 65.1294% | 5,042 |
| Total domestic deposits to total assets | 88.4089% | 1,785 |
| Equity capital to assets | 10.2963% | 4,081 |
| Core capital (leverage) ratio | 9.9520% | 3,610 |
| Tier 1 risk-based capital ratio | 17.9903% | 2,353 |
| Total risk-based capital ratio | 19.2457% | 2,326 |
| Memoranda: | ||
| Average total assets | $96,933,250 | 4,962 |
| Average earning assets | $91,770,000 | 4,857 |
| Average equity | $9,719,000 | 5,095 |
| Average total loans | $56,030,500 | 4,916 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0027% | 1,787 |
| Cost of funding earning assets | 0.8744% | 2,610 |
| Net interest margin | 4.1283% | 1,978 |
| Noninterest income to average assets | 0.7407% | 2,464 |
| Noninterest expense to average assets | 3.3528% | 2,147 |
| Loan and lease loss provision to assets | 0.1651% | 3,453 |
| Net operating income to assets | 0.8294% | 3,246 |
| Return on assets (ROA) | 0.8294% | 3,512 |
| Pretax return on assets | 1.1389% | 3,154 |
| Return on Equity (ROE) | 8.3472% | 3,092 |
| Retained earnings to average equity (ytd only) | 8.3472% | 1,497 |
| Net charge-offs to loans | 0.1133% | 4,041 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 19.7500% | 1,418 |
| Efficiency ratio | 71.9982% | 3,435 |
| Assets per employee ($millions) | 2.5826% | 6,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5678% | 3,712 |
| Loan loss allowance to noncurrent loans | 290.8475% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5747% | 5,327 |
| Noncurrent loans to loans | 0.5390% | 5,440 |
| Net loans and leases to total assets | 54.8901% | 4,647 |
| Net loans and leases to deposits | 61.8760% | 5,014 |
| Net loans and leases to core deposits | 64.0897% | 5,204 |
| Total domestic deposits to total assets | 88.7098% | 1,698 |
| Equity capital to assets | 10.0145% | 4,311 |
| Core capital (leverage) ratio | 9.7642% | 3,763 |
| Tier 1 risk-based capital ratio | 17.7017% | 2,397 |
| Total risk-based capital ratio | 18.9562% | 2,361 |
| Memoranda: | ||
| Average total assets | $96,935,000 | 4,980 |
| Average earning assets | $91,950,670 | 4,876 |
| Average equity | $9,632,000 | 5,126 |
| Average total loans | $56,467,670 | 4,931 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1088% | 1,547 |
| Cost of funding earning assets | 0.9273% | 2,462 |
| Net interest margin | 4.1815% | 1,811 |
| Noninterest income to average assets | 0.7308% | 2,493 |
| Noninterest expense to average assets | 3.3218% | 2,225 |
| Loan and lease loss provision to assets | 0.2076% | 2,875 |
| Net operating income to assets | 0.8512% | 3,154 |
| Return on assets (ROA) | 0.8512% | 3,392 |
| Pretax return on assets | 1.1709% | 3,024 |
| Return on Equity (ROE) | 8.6008% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.6008% | 1,732 |
| Net charge-offs to loans | 0.0837% | 3,665 |
| Credit loss provision to net charge-offs | 416.6667% | 757 |
| Earnings coverage of net charge-offs (x) | 27.6667% | 986 |
| Efficiency ratio | 70.6714% | 3,686 |
| Assets per employee ($millions) | 2.5959% | 6,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4995% | 4,154 |
| Loan loss allowance to noncurrent loans | 328.1853% | 1,011 |
| Noncurrent assets plus other real estate owned to assets | 0.4521% | 5,728 |
| Noncurrent loans to loans | 0.4569% | 5,766 |
| Net loans and leases to total assets | 56.6025% | 4,273 |
| Net loans and leases to deposits | 63.6536% | 4,682 |
| Net loans and leases to core deposits | 65.9069% | 4,920 |
| Total domestic deposits to total assets | 88.9228% | 1,746 |
| Equity capital to assets | 9.7715% | 4,421 |
| Core capital (leverage) ratio | 9.6999% | 3,771 |
| Tier 1 risk-based capital ratio | 17.2710% | 2,568 |
| Total risk-based capital ratio | 18.5243% | 2,541 |
| Memoranda: | ||
| Average total assets | $96,333,500 | 5,031 |
| Average earning assets | $91,449,500 | 4,923 |
| Average equity | $9,534,000 | 5,165 |
| Average total loans | $57,338,500 | 4,925 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4478% | 1,305 |
| Cost of funding earning assets | 1.1427% | 2,397 |
| Net interest margin | 4.3050% | 1,684 |
| Noninterest income to average assets | 0.7343% | 2,422 |
| Noninterest expense to average assets | 3.4005% | 2,241 |
| Loan and lease loss provision to assets | 0.2241% | 3,961 |
| Net operating income to assets | 0.8549% | 2,794 |
| Return on assets (ROA) | 0.8549% | 2,949 |
| Pretax return on assets | 1.1709% | 2,574 |
| Return on Equity (ROE) | 8.9298% | 2,482 |
| Retained earnings to average equity (ytd only) | 8.9298% | 827 |
| Net charge-offs to loans | 0.1833% | 4,679 |
| Credit loss provision to net charge-offs | 201.9231% | 1,232 |
| Earnings coverage of net charge-offs (x) | 12.5673% | 1,611 |
| Efficiency ratio | 70.9103% | 3,792 |
| Assets per employee ($millions) | 2.4743% | 6,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 4,473 |
| Loan loss allowance to noncurrent loans | 363.2287% | 921 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 5,872 |
| Noncurrent loans to loans | 0.3845% | 5,941 |
| Net loans and leases to total assets | 60.8170% | 3,823 |
| Net loans and leases to deposits | 68.5529% | 4,356 |
| Net loans and leases to core deposits | 71.5142% | 4,588 |
| Total domestic deposits to total assets | 88.7155% | 1,706 |
| Equity capital to assets | 10.0284% | 4,134 |
| Core capital (leverage) ratio | 9.6767% | 3,767 |
| Tier 1 risk-based capital ratio | 16.5344% | 2,806 |
| Total risk-based capital ratio | 17.7879% | 2,770 |
| Memoranda: | ||
| Average total assets | $93,691,600 | 5,078 |
| Average earning assets | $88,384,800 | 4,984 |
| Average equity | $8,970,000 | 5,286 |
| Average total loans | $56,724,600 | 4,998 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4602% | 1,366 |
| Cost of funding earning assets | 1.1905% | 2,379 |
| Net interest margin | 4.2696% | 1,827 |
| Noninterest income to average assets | 0.7478% | 2,325 |
| Noninterest expense to average assets | 3.4440% | 2,093 |
| Loan and lease loss provision to assets | 0.1709% | 4,330 |
| Net operating income to assets | 0.8603% | 2,908 |
| Return on assets (ROA) | 0.8603% | 3,058 |
| Pretax return on assets | 1.1580% | 2,793 |
| Return on Equity (ROE) | 9.0942% | 2,555 |
| Retained earnings to average equity (ytd only) | 9.0942% | 1,115 |
| Net charge-offs to loans | 0.0165% | 5,922 |
| Credit loss provision to net charge-offs | 1,714.2857% | 160 |
| Earnings coverage of net charge-offs (x) | 133.3301% | 280 |
| Efficiency ratio | 72.1576% | 3,523 |
| Assets per employee ($millions) | 2.5172% | 6,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4191% | 4,471 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 6,554 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 59.4785% | 4,237 |
| Net loans and leases to deposits | 66.9015% | 4,770 |
| Net loans and leases to core deposits | 69.7252% | 4,985 |
| Total domestic deposits to total assets | 88.9047% | 1,481 |
| Equity capital to assets | 9.7017% | 4,776 |
| Core capital (leverage) ratio | 9.4160% | 4,280 |
| Tier 1 risk-based capital ratio | 16.3765% | 2,925 |
| Total risk-based capital ratio | 17.6305% | 2,886 |
| Memoranda: | ||
| Average total assets | $93,608,750 | 5,118 |
| Average earning assets | $88,249,250 | 5,016 |
| Average equity | $8,855,250 | 5,349 |
| Average total loans | $56,407,750 | 5,057 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4545% | 1,402 |
| Cost of funding earning assets | 1.2375% | 2,339 |
| Net interest margin | 4.2170% | 1,967 |
| Noninterest income to average assets | 0.7877% | 2,082 |
| Noninterest expense to average assets | 3.4306% | 2,182 |
| Loan and lease loss provision to assets | 0.1722% | 4,206 |
| Net operating income to assets | 0.8415% | 2,896 |
| Return on assets (ROA) | 0.8415% | 2,996 |
| Pretax return on assets | 1.1600% | 2,639 |
| Return on Equity (ROE) | 8.9744% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.9744% | 1,116 |
| Net charge-offs to loans | -0.0071% | 6,629 |
| Credit loss provision to net charge-offs | -4,000.0000% | 6,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0289% | 3,726 |
| Assets per employee ($millions) | 2.4983% | 6,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3822% | 4,661 |
| Loan loss allowance to noncurrent loans | 1,079.4521% | 347 |
| Noncurrent assets plus other real estate owned to assets | 0.2402% | 6,527 |
| Noncurrent loans to loans | 0.1280% | 6,660 |
| Net loans and leases to total assets | 59.2232% | 4,422 |
| Net loans and leases to deposits | 66.4559% | 4,924 |
| Net loans and leases to core deposits | 69.4815% | 5,126 |
| Total domestic deposits to total assets | 89.1166% | 1,470 |
| Equity capital to assets | 9.4992% | 4,818 |
| Core capital (leverage) ratio | 9.1446% | 4,497 |
| Tier 1 risk-based capital ratio | 16.1062% | 2,926 |
| Total risk-based capital ratio | 17.3584% | 2,891 |
| Memoranda: | ||
| Average total assets | $92,927,330 | 5,174 |
| Average earning assets | $87,597,670 | 5,076 |
| Average equity | $8,713,670 | 5,404 |
| Average total loans | $55,973,000 | 5,125 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4786% | 1,357 |
| Cost of funding earning assets | 1.2607% | 2,424 |
| Net interest margin | 4.2179% | 1,842 |
| Noninterest income to average assets | 0.7789% | 2,119 |
| Noninterest expense to average assets | 3.4289% | 2,199 |
| Loan and lease loss provision to assets | 0.1741% | 3,883 |
| Net operating income to assets | 0.8224% | 2,920 |
| Return on assets (ROA) | 0.8224% | 2,979 |
| Pretax return on assets | 1.1357% | 2,622 |
| Return on Equity (ROE) | 8.8302% | 2,540 |
| Retained earnings to average equity (ytd only) | 8.8302% | 1,434 |
| Net charge-offs to loans | -0.0144% | 6,464 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3600% | 3,797 |
| Assets per employee ($millions) | 2.5708% | 6,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3269% | 5,004 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5036% | 5,968 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.4798% | 4,560 |
| Net loans and leases to deposits | 65.3048% | 5,076 |
| Net loans and leases to core deposits | 68.0374% | 5,283 |
| Total domestic deposits to total assets | 89.5490% | 1,452 |
| Equity capital to assets | 9.1316% | 4,984 |
| Core capital (leverage) ratio | 9.2746% | 4,159 |
| Tier 1 risk-based capital ratio | 15.6324% | 3,085 |
| Total risk-based capital ratio | 16.8837% | 3,043 |
| Memoranda: | ||
| Average total assets | $91,924,000 | 5,240 |
| Average earning assets | $86,299,500 | 5,151 |
| Average equity | $8,561,500 | 5,444 |
| Average total loans | $55,454,000 | 5,199 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7632% | 1,368 |
| Cost of funding earning assets | 1.5573% | 2,320 |
| Net interest margin | 4.2059% | 2,161 |
| Noninterest income to average assets | 0.7120% | 2,775 |
| Noninterest expense to average assets | 3.4225% | 2,373 |
| Loan and lease loss provision to assets | 0.2091% | 5,161 |
| Net operating income to assets | 0.7393% | 3,052 |
| Return on assets (ROA) | 0.7417% | 3,160 |
| Pretax return on assets | 1.0070% | 2,913 |
| Return on Equity (ROE) | 8.1695% | 2,632 |
| Retained earnings to average equity (ytd only) | 8.1695% | 930 |
| Net charge-offs to loans | 0.4508% | 3,812 |
| Credit loss provision to net charge-offs | 75.0988% | 5,730 |
| Earnings coverage of net charge-offs (x) | 4.3557% | 2,954 |
| Efficiency ratio | 73.8367% | 3,429 |
| Assets per employee ($millions) | 2.4647% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2909% | 5,052 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0887% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 60.6686% | 4,554 |
| Net loans and leases to deposits | 68.0316% | 5,099 |
| Net loans and leases to core deposits | 70.4434% | 5,410 |
| Total domestic deposits to total assets | 89.1770% | 1,548 |
| Equity capital to assets | 9.5088% | 4,391 |
| Core capital (leverage) ratio | 9.1445% | 4,273 |
| Tier 1 risk-based capital ratio | 16.2658% | 2,629 |
| Total risk-based capital ratio | 17.5178% | 2,585 |
| Memoranda: | ||
| Average total assets | $90,868,000 | 5,262 |
| Average earning assets | $84,761,600 | 5,191 |
| Average equity | $8,250,200 | 5,637 |
| Average total loans | $56,118,600 | 5,227 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7798% | 1,456 |
| Cost of funding earning assets | 1.5989% | 2,392 |
| Net interest margin | 4.1809% | 2,288 |
| Noninterest income to average assets | 0.6739% | 2,990 |
| Noninterest expense to average assets | 3.4367% | 2,191 |
| Loan and lease loss provision to assets | 0.2188% | 4,877 |
| Net operating income to assets | 0.6896% | 3,468 |
| Return on assets (ROA) | 0.6929% | 3,607 |
| Pretax return on assets | 0.9248% | 3,470 |
| Return on Equity (ROE) | 7.7201% | 3,015 |
| Retained earnings to average equity (ytd only) | 7.7201% | 1,509 |
| Net charge-offs to loans | 0.5261% | 3,192 |
| Credit loss provision to net charge-offs | 67.2646% | 5,492 |
| Earnings coverage of net charge-offs (x) | 3.5022% | 3,417 |
| Efficiency ratio | 75.1036% | 3,127 |
| Assets per employee ($millions) | 2.5294% | 7,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 5,172 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0389% | 5,029 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 59.5526% | 4,991 |
| Net loans and leases to deposits | 67.6522% | 5,470 |
| Net loans and leases to core deposits | 70.0068% | 5,750 |
| Total domestic deposits to total assets | 88.0275% | 1,941 |
| Equity capital to assets | 9.3302% | 5,088 |
| Core capital (leverage) ratio | 8.8535% | 4,918 |
| Tier 1 risk-based capital ratio | 15.8177% | 2,855 |
| Total risk-based capital ratio | 17.0685% | 2,802 |
| Memoranda: | ||
| Average total assets | $91,403,000 | 5,313 |
| Average earning assets | $85,306,750 | 5,220 |
| Average equity | $8,203,500 | 5,730 |
| Average total loans | $56,514,750 | 5,292 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8013% | 1,425 |
| Cost of funding earning assets | 1.6458% | 2,410 |
| Net interest margin | 4.1555% | 2,315 |
| Noninterest income to average assets | 0.7649% | 2,303 |
| Noninterest expense to average assets | 3.4070% | 2,246 |
| Loan and lease loss provision to assets | 0.2622% | 4,300 |
| Net operating income to assets | 0.7277% | 3,281 |
| Return on assets (ROA) | 0.7343% | 3,409 |
| Pretax return on assets | 0.9834% | 3,184 |
| Return on Equity (ROE) | 8.2902% | 2,767 |
| Retained earnings to average equity (ytd only) | 8.2902% | 1,340 |
| Net charge-offs to loans | 0.7292% | 2,399 |
| Credit loss provision to net charge-offs | 57.6923% | 5,264 |
| Earnings coverage of net charge-offs (x) | 2.7212% | 3,637 |
| Efficiency ratio | 73.3647% | 3,584 |
| Assets per employee ($millions) | 2.6342% | 6,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2240% | 5,332 |
| Loan loss allowance to noncurrent loans | 13,560.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 4,964 |
| Noncurrent loans to loans | 0.0090% | 7,311 |
| Net loans and leases to total assets | 59.3464% | 5,189 |
| Net loans and leases to deposits | 67.0634% | 5,676 |
| Net loans and leases to core deposits | 69.3429% | 5,938 |
| Total domestic deposits to total assets | 88.4930% | 1,734 |
| Equity capital to assets | 8.9852% | 5,472 |
| Core capital (leverage) ratio | 8.6275% | 5,194 |
| Tier 1 risk-based capital ratio | 15.2625% | 3,031 |
| Total risk-based capital ratio | 16.5128% | 2,986 |
| Memoranda: | ||
| Average total assets | $91,517,670 | 5,338 |
| Average earning assets | $85,429,000 | 5,258 |
| Average equity | $8,106,000 | 5,760 |
| Average total loans | $57,046,670 | 5,305 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8404% | 1,346 |
| Cost of funding earning assets | 1.7009% | 2,383 |
| Net interest margin | 4.1395% | 2,270 |
| Noninterest income to average assets | 0.6844% | 2,707 |
| Noninterest expense to average assets | 3.4131% | 2,197 |
| Loan and lease loss provision to assets | 0.1316% | 5,256 |
| Net operating income to assets | 0.7718% | 3,093 |
| Return on assets (ROA) | 0.7853% | 3,151 |
| Pretax return on assets | 1.0222% | 3,002 |
| Return on Equity (ROE) | 8.9310% | 2,520 |
| Retained earnings to average equity (ytd only) | 8.9310% | 1,419 |
| Net charge-offs to loans | 0.2557% | 3,408 |
| Credit loss provision to net charge-offs | 81.0811% | 3,848 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,140 |
| Efficiency ratio | 75.0241% | 3,401 |
| Assets per employee ($millions) | 2.6603% | 6,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3330% | 4,761 |
| Loan loss allowance to noncurrent loans | 15,220.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 5,889 |
| Noncurrent loans to loans | 0.0088% | 7,399 |
| Net loans and leases to total assets | 60.4945% | 5,041 |
| Net loans and leases to deposits | 68.1405% | 5,570 |
| Net loans and leases to core deposits | 70.4132% | 5,880 |
| Total domestic deposits to total assets | 88.7790% | 1,628 |
| Equity capital to assets | 8.7294% | 5,691 |
| Core capital (leverage) ratio | 8.5860% | 5,229 |
| Tier 1 risk-based capital ratio | 14.6701% | 3,272 |
| Total risk-based capital ratio | 15.9218% | 3,240 |
| Memoranda: | ||
| Average total assets | $91,178,500 | 5,417 |
| Average earning assets | $85,130,500 | 5,334 |
| Average equity | $8,017,000 | 5,835 |
| Average total loans | $57,873,500 | 5,344 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3937% | 846 |
| Cost of funding earning assets | 2.0954% | 2,483 |
| Net interest margin | 4.2983% | 1,728 |
| Noninterest income to average assets | 0.8431% | 2,215 |
| Noninterest expense to average assets | 3.6413% | 2,055 |
| Loan and lease loss provision to assets | 0.1795% | 5,907 |
| Net operating income to assets | 0.7401% | 2,770 |
| Return on assets (ROA) | 0.7401% | 2,855 |
| Pretax return on assets | 1.0041% | 2,578 |
| Return on Equity (ROE) | 8.4548% | 2,214 |
| Retained earnings to average equity (ytd only) | 8.4548% | 596 |
| Net charge-offs to loans | 0.0979% | 6,150 |
| Credit loss provision to net charge-offs | 271.9298% | 1,271 |
| Earnings coverage of net charge-offs (x) | 17.9298% | 1,161 |
| Efficiency ratio | 75.4681% | 3,622 |
| Assets per employee ($millions) | 2.3486% | 7,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3093% | 4,700 |
| Loan loss allowance to noncurrent loans | 1,786.0465% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.3978% | 6,462 |
| Noncurrent loans to loans | 0.0733% | 7,238 |
| Net loans and leases to total assets | 64.8668% | 4,398 |
| Net loans and leases to deposits | 73.1862% | 5,168 |
| Net loans and leases to core deposits | 88.9659% | 5,229 |
| Total domestic deposits to total assets | 88.6325% | 1,662 |
| Equity capital to assets | 8.8587% | 5,343 |
| Core capital (leverage) ratio | 8.4373% | 5,374 |
| Tier 1 risk-based capital ratio | 14.1677% | 3,395 |
| Total risk-based capital ratio | 15.4191% | 3,355 |
| Memoranda: | ||
| Average total assets | $86,343,200 | 5,511 |
| Average earning assets | $79,984,400 | 5,458 |
| Average equity | $7,557,800 | 6,068 |
| Average total loans | $58,197,200 | 5,330 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4438% | 850 |
| Cost of funding earning assets | 2.1462% | 2,672 |
| Net interest margin | 4.2975% | 1,738 |
| Noninterest income to average assets | 0.8939% | 2,006 |
| Noninterest expense to average assets | 3.6674% | 1,894 |
| Loan and lease loss provision to assets | 0.1557% | 5,791 |
| Net operating income to assets | 0.7677% | 2,948 |
| Return on assets (ROA) | 0.7677% | 3,010 |
| Pretax return on assets | 1.0434% | 2,761 |
| Return on Equity (ROE) | 8.7986% | 2,342 |
| Retained earnings to average equity (ytd only) | 8.7986% | 893 |
| Net charge-offs to loans | 0.0505% | 6,210 |
| Credit loss provision to net charge-offs | 454.5455% | 865 |
| Earnings coverage of net charge-offs (x) | 35.0031% | 830 |
| Efficiency ratio | 75.3600% | 3,624 |
| Assets per employee ($millions) | 2.4820% | 7,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2583% | 4,770 |
| Loan loss allowance to noncurrent loans | 1,737.2093% | 224 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 5,365 |
| Noncurrent loans to loans | 0.0724% | 7,314 |
| Net loans and leases to total assets | 63.8344% | 4,900 |
| Net loans and leases to deposits | 73.6029% | 5,425 |
| Net loans and leases to core deposits | 91.3783% | 5,293 |
| Total domestic deposits to total assets | 86.7281% | 2,310 |
| Equity capital to assets | 8.5089% | 6,240 |
| Core capital (leverage) ratio | 8.2855% | 5,860 |
| Tier 1 risk-based capital ratio | 13.8788% | 3,617 |
| Total risk-based capital ratio | 15.1302% | 3,558 |
| Memoranda: | ||
| Average total assets | $85,617,500 | 5,563 |
| Average earning assets | $79,144,250 | 5,518 |
| Average equity | $7,470,750 | 6,166 |
| Average total loans | $58,081,750 | 5,376 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5388% | 755 |
| Cost of funding earning assets | 2.1813% | 2,875 |
| Net interest margin | 4.3575% | 1,505 |
| Noninterest income to average assets | 0.9288% | 1,852 |
| Noninterest expense to average assets | 3.7536% | 1,738 |
| Loan and lease loss provision to assets | 0.1676% | 5,390 |
| Net operating income to assets | 0.7541% | 3,024 |
| Return on assets (ROA) | 0.7541% | 3,132 |
| Pretax return on assets | 1.0485% | 2,811 |
| Return on Equity (ROE) | 8.5641% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.5641% | 1,053 |
| Net charge-offs to loans | 0.0486% | 5,797 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 36.2857% | 873 |
| Efficiency ratio | 75.5299% | 3,783 |
| Assets per employee ($millions) | 2.2944% | 7,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 4,816 |
| Loan loss allowance to noncurrent loans | 12,083.3333% | 49 |
| Noncurrent assets plus other real estate owned to assets | 0.9543% | 5,074 |
| Noncurrent loans to loans | 0.0101% | 7,537 |
| Net loans and leases to total assets | 67.3243% | 4,291 |
| Net loans and leases to deposits | 77.8819% | 4,895 |
| Net loans and leases to core deposits | 96.8071% | 4,812 |
| Total domestic deposits to total assets | 86.4441% | 2,540 |
| Equity capital to assets | 8.5965% | 5,900 |
| Core capital (leverage) ratio | 8.4671% | 5,501 |
| Tier 1 risk-based capital ratio | 13.6284% | 3,740 |
| Total risk-based capital ratio | 14.8794% | 3,664 |
| Memoranda: | ||
| Average total assets | $83,545,670 | 5,682 |
| Average earning assets | $77,476,330 | 5,614 |
| Average equity | $7,356,330 | 6,243 |
| Average total loans | $57,653,000 | 5,438 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6019% | 704 |
| Cost of funding earning assets | 2.2342% | 2,993 |
| Net interest margin | 4.3678% | 1,427 |
| Noninterest income to average assets | 1.0034% | 1,474 |
| Noninterest expense to average assets | 3.6219% | 1,811 |
| Loan and lease loss provision to assets | 0.1958% | 4,480 |
| Net operating income to assets | 0.8663% | 2,854 |
| Return on assets (ROA) | 0.8663% | 3,001 |
| Pretax return on assets | 1.2236% | 2,538 |
| Return on Equity (ROE) | 9.7159% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.7159% | 1,272 |
| Net charge-offs to loans | 0.0705% | 4,486 |
| Credit loss provision to net charge-offs | 400.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 29.0000% | 1,084 |
| Efficiency ratio | 71.8447% | 4,219 |
| Assets per employee ($millions) | 2.2296% | 7,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2166% | 4,685 |
| Loan loss allowance to noncurrent loans | 802.2989% | 471 |
| Noncurrent assets plus other real estate owned to assets | 1.3196% | 4,026 |
| Noncurrent loans to loans | 0.1516% | 7,085 |
| Net loans and leases to total assets | 66.8933% | 4,365 |
| Net loans and leases to deposits | 77.6090% | 4,987 |
| Net loans and leases to core deposits | 99.5608% | 4,580 |
| Total domestic deposits to total assets | 86.1927% | 2,619 |
| Equity capital to assets | 8.7166% | 5,741 |
| Core capital (leverage) ratio | 8.7995% | 4,989 |
| Tier 1 risk-based capital ratio | 13.9451% | 3,623 |
| Total risk-based capital ratio | 15.1957% | 3,546 |
| Memoranda: | ||
| Average total assets | $81,725,000 | 5,765 |
| Average earning assets | $75,553,500 | 5,711 |
| Average equity | $7,287,000 | 6,306 |
| Average total loans | $56,768,000 | 5,515 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2421% | 671 |
| Cost of funding earning assets | 2.8370% | 2,547 |
| Net interest margin | 4.4051% | 1,670 |
| Noninterest income to average assets | 0.8885% | 2,006 |
| Noninterest expense to average assets | 3.8180% | 1,721 |
| Loan and lease loss provision to assets | 0.1708% | 5,196 |
| Net operating income to assets | 0.7873% | 3,495 |
| Return on assets (ROA) | 0.5188% | 4,504 |
| Pretax return on assets | 0.6399% | 4,573 |
| Return on Equity (ROE) | 5.8588% | 4,004 |
| Retained earnings to average equity (ytd only) | 5.8588% | 1,590 |
| Net charge-offs to loans | 0.1506% | 4,700 |
| Credit loss provision to net charge-offs | 157.6471% | 3,301 |
| Earnings coverage of net charge-offs (x) | 10.5412% | 2,498 |
| Efficiency ratio | 76.9725% | 3,083 |
| Assets per employee ($millions) | 2.0718% | 7,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 4,654 |
| Loan loss allowance to noncurrent loans | 9,514.2857% | 67 |
| Noncurrent assets plus other real estate owned to assets | 1.2626% | 3,698 |
| Noncurrent loans to loans | 0.0125% | 7,495 |
| Net loans and leases to total assets | 70.4942% | 3,908 |
| Net loans and leases to deposits | 82.4722% | 4,652 |
| Net loans and leases to core deposits | 104.5199% | 4,345 |
| Total domestic deposits to total assets | 85.4764% | 2,638 |
| Equity capital to assets | 9.1316% | 5,178 |
| Core capital (leverage) ratio | 8.8905% | 4,907 |
| Tier 1 risk-based capital ratio | 14.0617% | 3,520 |
| Total risk-based capital ratio | 15.3126% | 3,437 |
| Memoranda: | ||
| Average total assets | $78,445,200 | 5,752 |
| Average earning assets | $72,506,400 | 5,724 |
| Average equity | $6,946,800 | 6,475 |
| Average total loans | $56,457,200 | 5,430 |