Home > First State Bank of West Salem > Performance and Condition Ratios
First State Bank of West Salem, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7284% | 5,893 |
| Cost of funding earning assets | 0.1646% | 5,510 |
| Net interest margin | 2.5637% | 5,754 |
| Noninterest income to average assets | 0.3140% | 4,480 |
| Noninterest expense to average assets | 2.8933% | 2,730 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1346% | 5,859 |
| Return on assets (ROA) | -0.1346% | 5,878 |
| Pretax return on assets | -0.1346% | 5,876 |
| Return on Equity (ROE) | -0.7547% | 5,858 |
| Retained earnings to average equity (ytd only) | -0.7547% | 5,244 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.8780% | 204 |
| Assets per employee ($millions) | 3.5160% | 4,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9853% | 840 |
| Loan loss allowance to noncurrent loans | 510.5263% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1081% | 5,142 |
| Noncurrent loans to loans | 0.3889% | 4,043 |
| Net loans and leases to total assets | 27.2412% | 5,890 |
| Net loans and leases to deposits | 33.3310% | 5,881 |
| Net loans and leases to core deposits | 33.3310% | 5,904 |
| Total domestic deposits to total assets | 81.7292% | 4,301 |
| Equity capital to assets | 18.0717% | 317 |
| Core capital (leverage) ratio | 17.7466% | 309 |
| Tier 1 risk-based capital ratio | 64.1300% | 79 |
| Total risk-based capital ratio | 65.3815% | 79 |
| Memoranda: | ||
| Average total assets | $17,834,500 | 6,059 |
| Average earning assets | $17,006,500 | 6,036 |
| Average equity | $3,180,000 | 5,925 |
| Average total loans | $4,955,500 | 6,061 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8386% | 5,856 |
| Cost of funding earning assets | 0.1912% | 5,358 |
| Net interest margin | 2.6475% | 5,711 |
| Noninterest income to average assets | 0.3927% | 4,086 |
| Noninterest expense to average assets | 2.8538% | 3,014 |
| Loan and lease loss provision to assets | 0.0553% | 3,205 |
| Net operating income to assets | -0.0055% | 5,871 |
| Return on assets (ROA) | -0.0055% | 5,898 |
| Pretax return on assets | 0.0111% | 5,881 |
| Return on Equity (ROE) | -0.0307% | 5,898 |
| Retained earnings to average equity (ytd only) | -2.2434% | 5,766 |
| Net charge-offs to loans | 0.1365% | 1,992 |
| Credit loss provision to net charge-offs | 142.8571% | 1,838 |
| Earnings coverage of net charge-offs (x) | 1.7143% | 4,041 |
| Efficiency ratio | 97.7273% | 347 |
| Assets per employee ($millions) | 3.6178% | 4,611 |
| Cash dividends to net income (ytd only)* | -7,200.0000% | 6,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9303% | 909 |
| Loan loss allowance to noncurrent loans | 510.5263% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 5,183 |
| Noncurrent loans to loans | 0.3781% | 4,093 |
| Net loans and leases to total assets | 27.2431% | 5,955 |
| Net loans and leases to deposits | 33.1272% | 5,952 |
| Net loans and leases to core deposits | 33.1272% | 5,975 |
| Total domestic deposits to total assets | 82.2378% | 4,100 |
| Equity capital to assets | 17.5963% | 348 |
| Core capital (leverage) ratio | 17.4554% | 317 |
| Tier 1 risk-based capital ratio | 42.3666% | 199 |
| Total risk-based capital ratio | 43.6177% | 196 |
| Memoranda: | ||
| Average total assets | $18,081,200 | 6,115 |
| Average earning assets | $17,261,800 | 6,096 |
| Average equity | $3,254,000 | 5,964 |
| Average total loans | $5,128,200 | 6,117 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8600% | 5,925 |
| Cost of funding earning assets | 0.2010% | 5,368 |
| Net interest margin | 2.6591% | 5,776 |
| Noninterest income to average assets | 0.3614% | 4,348 |
| Noninterest expense to average assets | 2.5664% | 3,991 |
| Loan and lease loss provision to assets | 0.0590% | 3,004 |
| Net operating income to assets | 0.2434% | 5,586 |
| Return on assets (ROA) | 0.2434% | 5,663 |
| Pretax return on assets | 0.2729% | 5,684 |
| Return on Equity (ROE) | 1.3448% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.3448% | 5,184 |
| Net charge-offs to loans | 0.1810% | 1,398 |
| Credit loss provision to net charge-offs | 114.2857% | 2,063 |
| Earnings coverage of net charge-offs (x) | 6.4309% | 3,052 |
| Efficiency ratio | 88.5496% | 795 |
| Assets per employee ($millions) | 2.9765% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8533% | 1,168 |
| Loan loss allowance to noncurrent loans | 413.0435% | 1,215 |
| Noncurrent assets plus other real estate owned to assets | 0.2128% | 4,910 |
| Noncurrent loans to loans | 0.4487% | 4,001 |
| Net loans and leases to total assets | 28.1707% | 6,024 |
| Net loans and leases to deposits | 34.6082% | 6,008 |
| Net loans and leases to core deposits | 34.6082% | 6,036 |
| Total domestic deposits to total assets | 81.3987% | 4,364 |
| Equity capital to assets | 18.4165% | 313 |
| Core capital (leverage) ratio | 18.2519% | 283 |
| Tier 1 risk-based capital ratio | 45.1104% | 182 |
| Total risk-based capital ratio | 46.3585% | 182 |
| Memoranda: | ||
| Average total assets | $18,079,250 | 6,200 |
| Average earning assets | $17,248,750 | 6,178 |
| Average equity | $3,271,750 | 6,039 |
| Average total loans | $5,154,000 | 6,198 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8154% | 6,002 |
| Cost of funding earning assets | 0.2077% | 5,377 |
| Net interest margin | 2.6077% | 5,876 |
| Noninterest income to average assets | 0.3195% | 4,675 |
| Noninterest expense to average assets | 2.5120% | 4,204 |
| Loan and lease loss provision to assets | 0.0551% | 3,010 |
| Net operating income to assets | 0.2204% | 5,645 |
| Return on assets (ROA) | 0.2204% | 5,718 |
| Pretax return on assets | 0.2424% | 5,753 |
| Return on Equity (ROE) | 1.2247% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.2247% | 5,069 |
| Net charge-offs to loans | 0.2711% | 974 |
| Credit loss provision to net charge-offs | 71.4286% | 2,441 |
| Earnings coverage of net charge-offs (x) | 3.8571% | 3,127 |
| Efficiency ratio | 89.4118% | 799 |
| Assets per employee ($millions) | 2.9865% | 5,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7574% | 1,477 |
| Loan loss allowance to noncurrent loans | 383.3333% | 1,302 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 4,998 |
| Noncurrent loans to loans | 0.4585% | 4,103 |
| Net loans and leases to total assets | 28.7014% | 6,076 |
| Net loans and leases to deposits | 35.1971% | 6,056 |
| Net loans and leases to core deposits | 35.1971% | 6,086 |
| Total domestic deposits to total assets | 81.5447% | 4,436 |
| Equity capital to assets | 18.2823% | 311 |
| Core capital (leverage) ratio | 18.1285% | 277 |
| Tier 1 risk-based capital ratio | 44.8767% | 198 |
| Total risk-based capital ratio | 46.1370% | 194 |
| Memoranda: | ||
| Average total assets | $18,152,670 | 6,278 |
| Average earning assets | $17,333,000 | 6,251 |
| Average equity | $3,266,000 | 6,099 |
| Average total loans | $5,163,330 | 6,272 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7497% | 6,102 |
| Cost of funding earning assets | 0.1833% | 5,660 |
| Net interest margin | 2.5664% | 5,955 |
| Noninterest income to average assets | 0.2846% | 4,898 |
| Noninterest expense to average assets | 2.4741% | 4,349 |
| Loan and lease loss provision to assets | 0.0219% | 3,428 |
| Net operating income to assets | 0.2189% | 5,632 |
| Return on assets (ROA) | 0.2189% | 5,724 |
| Pretax return on assets | 0.2408% | 5,770 |
| Return on Equity (ROE) | 1.2266% | 5,867 |
| Retained earnings to average equity (ytd only) | 1.2266% | 4,996 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4000% | 823 |
| Assets per employee ($millions) | 3.6302% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8486% | 1,399 |
| Loan loss allowance to noncurrent loans | 36.3985% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 1.4379% | 1,839 |
| Noncurrent loans to loans | 5.0788% | 258 |
| Net loans and leases to total assets | 27.7891% | 6,137 |
| Net loans and leases to deposits | 33.9595% | 6,125 |
| Net loans and leases to core deposits | 33.9595% | 6,141 |
| Total domestic deposits to total assets | 81.8302% | 4,559 |
| Equity capital to assets | 17.9935% | 332 |
| Core capital (leverage) ratio | 17.6245% | 311 |
| Tier 1 risk-based capital ratio | 44.9491% | 198 |
| Total risk-based capital ratio | 46.1877% | 194 |
| Memoranda: | ||
| Average total assets | $18,269,500 | 6,342 |
| Average earning assets | $17,456,500 | 6,314 |
| Average equity | $3,261,000 | 6,160 |
| Average total loans | $5,127,500 | 6,342 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7937% | 6,210 |
| Cost of funding earning assets | 0.2003% | 5,744 |
| Net interest margin | 2.5934% | 6,083 |
| Noninterest income to average assets | 0.3716% | 4,417 |
| Noninterest expense to average assets | 2.5638% | 4,346 |
| Loan and lease loss provision to assets | 0.0372% | 3,836 |
| Net operating income to assets | 0.2336% | 5,696 |
| Return on assets (ROA) | 0.2336% | 5,759 |
| Pretax return on assets | 0.2442% | 5,799 |
| Return on Equity (ROE) | 1.3445% | 5,923 |
| Retained earnings to average equity (ytd only) | -0.1222% | 5,791 |
| Net charge-offs to loans | 0.4837% | 859 |
| Credit loss provision to net charge-offs | 29.1667% | 3,848 |
| Earnings coverage of net charge-offs (x) | 2.2083% | 4,223 |
| Efficiency ratio | 90.1119% | 836 |
| Assets per employee ($millions) | 3.0647% | 5,610 |
| Cash dividends to net income (ytd only)* | 109.0909% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8374% | 1,458 |
| Loan loss allowance to noncurrent loans | 204.3478% | 2,205 |
| Noncurrent assets plus other real estate owned to assets | 0.2502% | 5,025 |
| Noncurrent loans to loans | 0.8991% | 3,067 |
| Net loans and leases to total assets | 27.3113% | 6,250 |
| Net loans and leases to deposits | 33.2561% | 6,233 |
| Net loans and leases to core deposits | 33.2561% | 6,256 |
| Total domestic deposits to total assets | 82.1242% | 4,373 |
| Equity capital to assets | 17.7072% | 340 |
| Core capital (leverage) ratio | 17.4697% | 328 |
| Tier 1 risk-based capital ratio | 47.5537% | 150 |
| Total risk-based capital ratio | 48.8097% | 151 |
| Memoranda: | ||
| Average total assets | $18,839,400 | 6,427 |
| Average earning assets | $17,968,800 | 6,398 |
| Average equity | $3,272,600 | 6,220 |
| Average total loans | $4,961,400 | 6,439 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7520% | 6,307 |
| Cost of funding earning assets | 0.2066% | 5,767 |
| Net interest margin | 2.5455% | 6,188 |
| Noninterest income to average assets | 0.3518% | 4,624 |
| Noninterest expense to average assets | 2.4833% | 4,580 |
| Loan and lease loss provision to assets | 0.0070% | 4,281 |
| Net operating income to assets | 0.2603% | 5,712 |
| Return on assets (ROA) | 0.2603% | 5,775 |
| Pretax return on assets | 0.2884% | 5,795 |
| Return on Equity (ROE) | 1.5055% | 5,949 |
| Retained earnings to average equity (ytd only) | 1.5055% | 5,295 |
| Net charge-offs to loans | 0.2438% | 1,575 |
| Credit loss provision to net charge-offs | 11.1111% | 3,690 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,402 |
| Efficiency ratio | 89.3671% | 885 |
| Assets per employee ($millions) | 3.1517% | 5,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9314% | 1,390 |
| Loan loss allowance to noncurrent loans | 168.8525% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.3226% | 4,980 |
| Noncurrent loans to loans | 1.1438% | 2,770 |
| Net loans and leases to total assets | 27.6573% | 6,323 |
| Net loans and leases to deposits | 34.0650% | 6,294 |
| Net loans and leases to core deposits | 34.0650% | 6,320 |
| Total domestic deposits to total assets | 81.1898% | 4,771 |
| Equity capital to assets | 17.4352% | 385 |
| Core capital (leverage) ratio | 17.3691% | 335 |
| Tier 1 risk-based capital ratio | 45.2822% | 175 |
| Total risk-based capital ratio | 46.5321% | 175 |
| Memoranda: | ||
| Average total assets | $18,952,250 | 6,506 |
| Average earning assets | $18,071,000 | 6,475 |
| Average equity | $3,276,750 | 6,287 |
| Average total loans | $4,922,750 | 6,518 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7042% | 6,391 |
| Cost of funding earning assets | 0.2106% | 5,822 |
| Net interest margin | 2.4936% | 6,286 |
| Noninterest income to average assets | 0.3480% | 4,643 |
| Noninterest expense to average assets | 2.4464% | 4,749 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2425% | 5,731 |
| Return on assets (ROA) | 0.2425% | 5,803 |
| Pretax return on assets | 0.2742% | 5,830 |
| Return on Equity (ROE) | 1.4067% | 5,968 |
| Retained earnings to average equity (ytd only) | 1.4067% | 5,181 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9225% | 923 |
| Assets per employee ($millions) | 3.2163% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2939% | 906 |
| Loan loss allowance to noncurrent loans | 158.5714% | 2,598 |
| Noncurrent assets plus other real estate owned to assets | 0.3627% | 4,937 |
| Noncurrent loans to loans | 1.4466% | 2,388 |
| Net loans and leases to total assets | 24.4999% | 6,439 |
| Net loans and leases to deposits | 29.5777% | 6,432 |
| Net loans and leases to core deposits | 29.5777% | 6,454 |
| Total domestic deposits to total assets | 82.8324% | 4,370 |
| Equity capital to assets | 17.0121% | 412 |
| Core capital (leverage) ratio | 17.3731% | 337 |
| Tier 1 risk-based capital ratio | 45.9546% | 162 |
| Total risk-based capital ratio | 47.2144% | 164 |
| Memoranda: | ||
| Average total assets | $18,966,330 | 6,570 |
| Average earning assets | $18,046,330 | 6,538 |
| Average equity | $3,270,000 | 6,340 |
| Average total loans | $4,786,000 | 6,582 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7015% | 6,463 |
| Cost of funding earning assets | 0.2233% | 5,813 |
| Net interest margin | 2.4782% | 6,347 |
| Noninterest income to average assets | 0.3617% | 4,499 |
| Noninterest expense to average assets | 2.5531% | 4,436 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1702% | 5,879 |
| Return on assets (ROA) | 0.1702% | 5,923 |
| Pretax return on assets | 0.1702% | 5,973 |
| Return on Equity (ROE) | 0.9805% | 6,044 |
| Retained earnings to average equity (ytd only) | 0.9805% | 5,203 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7500% | 766 |
| Assets per employee ($millions) | 3.1747% | 5,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4227% | 885 |
| Loan loss allowance to noncurrent loans | 414.8148% | 1,123 |
| Noncurrent assets plus other real estate owned to assets | 0.1417% | 5,823 |
| Noncurrent loans to loans | 0.5840% | 4,407 |
| Net loans and leases to total assets | 23.6823% | 6,515 |
| Net loans and leases to deposits | 28.6431% | 6,505 |
| Net loans and leases to core deposits | 28.6431% | 6,518 |
| Total domestic deposits to total assets | 82.6806% | 4,724 |
| Equity capital to assets | 17.1567% | 381 |
| Core capital (leverage) ratio | 17.0778% | 361 |
| Tier 1 risk-based capital ratio | 49.3060% | 140 |
| Total risk-based capital ratio | 50.5582% | 140 |
| Memoranda: | ||
| Average total assets | $18,800,500 | 6,645 |
| Average earning assets | $17,916,000 | 6,608 |
| Average equity | $3,263,500 | 6,398 |
| Average total loans | $4,759,500 | 6,654 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7969% | 6,500 |
| Cost of funding earning assets | 0.2373% | 6,048 |
| Net interest margin | 2.5596% | 6,318 |
| Noninterest income to average assets | 0.3388% | 4,899 |
| Noninterest expense to average assets | 2.6085% | 4,431 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1667% | 5,900 |
| Return on assets (ROA) | 0.1667% | 5,967 |
| Pretax return on assets | 0.1667% | 5,994 |
| Return on Equity (ROE) | 0.9495% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.0306% | 5,836 |
| Net charge-offs to loans | 0.0576% | 4,422 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.3333% | 2,387 |
| Efficiency ratio | 93.9922% | 751 |
| Assets per employee ($millions) | 3.0922% | 5,689 |
| Cash dividends to net income (ytd only)* | 96.7742% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2672% | 1,088 |
| Loan loss allowance to noncurrent loans | 132.1429% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 0.4528% | 4,884 |
| Noncurrent loans to loans | 1.7157% | 2,342 |
| Net loans and leases to total assets | 25.7910% | 6,572 |
| Net loans and leases to deposits | 31.3483% | 6,554 |
| Net loans and leases to core deposits | 31.3483% | 6,576 |
| Total domestic deposits to total assets | 82.2724% | 4,777 |
| Equity capital to assets | 17.5659% | 349 |
| Core capital (leverage) ratio | 17.1734% | 357 |
| Tier 1 risk-based capital ratio | 47.9406% | 148 |
| Total risk-based capital ratio | 49.1909% | 148 |
| Memoranda: | ||
| Average total assets | $18,593,200 | 6,720 |
| Average earning assets | $17,698,400 | 6,688 |
| Average equity | $3,264,800 | 6,482 |
| Average total loans | $5,212,200 | 6,730 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7510% | 6,601 |
| Cost of funding earning assets | 0.2412% | 6,149 |
| Net interest margin | 2.5098% | 6,417 |
| Noninterest income to average assets | 0.3225% | 5,104 |
| Noninterest expense to average assets | 2.5586% | 4,518 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1434% | 6,047 |
| Return on assets (ROA) | 0.1434% | 6,118 |
| Pretax return on assets | 0.1505% | 6,134 |
| Return on Equity (ROE) | 0.8165% | 6,212 |
| Retained earnings to average equity (ytd only) | 0.8165% | 5,655 |
| Net charge-offs to loans | 0.0756% | 3,864 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,869 |
| Efficiency ratio | 94.4444% | 709 |
| Assets per employee ($millions) | 3.1408% | 5,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0636% | 1,582 |
| Loan loss allowance to noncurrent loans | 119.3548% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4935% | 4,963 |
| Noncurrent loans to loans | 1.7289% | 2,602 |
| Net loans and leases to total assets | 27.9544% | 6,597 |
| Net loans and leases to deposits | 34.2367% | 6,564 |
| Net loans and leases to core deposits | 34.2367% | 6,604 |
| Total domestic deposits to total assets | 81.6503% | 5,045 |
| Equity capital to assets | 17.3998% | 374 |
| Core capital (leverage) ratio | 17.1129% | 380 |
| Tier 1 risk-based capital ratio | 45.7897% | 163 |
| Total risk-based capital ratio | 47.0465% | 164 |
| Memoranda: | ||
| Average total assets | $18,603,250 | 6,796 |
| Average earning assets | $17,690,250 | 6,764 |
| Average equity | $3,266,250 | 6,556 |
| Average total loans | $5,291,250 | 6,804 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7133% | 6,662 |
| Cost of funding earning assets | 0.2384% | 6,251 |
| Net interest margin | 2.4749% | 6,473 |
| Noninterest income to average assets | 0.3239% | 5,116 |
| Noninterest expense to average assets | 2.5698% | 4,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1080% | 6,116 |
| Return on assets (ROA) | 0.1080% | 6,205 |
| Pretax return on assets | 0.1080% | 6,218 |
| Return on Equity (ROE) | 0.6131% | 6,288 |
| Retained earnings to average equity (ytd only) | 0.6131% | 5,655 |
| Net charge-offs to loans | 0.1140% | 3,220 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,423 |
| Efficiency ratio | 95.9677% | 657 |
| Assets per employee ($millions) | 3.1607% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0709% | 1,699 |
| Loan loss allowance to noncurrent loans | 120.6522% | 3,000 |
| Noncurrent assets plus other real estate owned to assets | 0.4851% | 5,055 |
| Noncurrent loans to loans | 1.7164% | 2,740 |
| Net loans and leases to total assets | 27.6788% | 6,638 |
| Net loans and leases to deposits | 33.5078% | 6,629 |
| Net loans and leases to core deposits | 33.5078% | 6,655 |
| Total domestic deposits to total assets | 82.6039% | 4,851 |
| Equity capital to assets | 17.2379% | 399 |
| Core capital (leverage) ratio | 17.4626% | 325 |
| Tier 1 risk-based capital ratio | 46.0617% | 160 |
| Total risk-based capital ratio | 47.3158% | 159 |
| Memoranda: | ||
| Average total assets | $18,522,670 | 6,847 |
| Average earning assets | $17,617,000 | 6,811 |
| Average equity | $3,262,000 | 6,610 |
| Average total loans | $5,262,000 | 6,855 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7723% | 6,694 |
| Cost of funding earning assets | 0.2541% | 6,266 |
| Net interest margin | 2.5182% | 6,490 |
| Noninterest income to average assets | 0.3497% | 4,883 |
| Noninterest expense to average assets | 2.7538% | 3,857 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0219% | 6,372 |
| Return on assets (ROA) | -0.0219% | 6,437 |
| Pretax return on assets | -0.0219% | 6,427 |
| Return on Equity (ROE) | -0.1228% | 6,432 |
| Retained earnings to average equity (ytd only) | -0.1228% | 5,800 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8000% | 519 |
| Assets per employee ($millions) | 3.0125% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2561% | 1,476 |
| Loan loss allowance to noncurrent loans | 121.2766% | 2,861 |
| Noncurrent assets plus other real estate owned to assets | 0.5201% | 5,086 |
| Noncurrent loans to loans | 1.8603% | 2,785 |
| Net loans and leases to total assets | 27.3250% | 6,689 |
| Net loans and leases to deposits | 33.4032% | 6,658 |
| Net loans and leases to core deposits | 33.4032% | 6,687 |
| Total domestic deposits to total assets | 81.8036% | 5,269 |
| Equity capital to assets | 18.0249% | 336 |
| Core capital (leverage) ratio | 17.5265% | 315 |
| Tier 1 risk-based capital ratio | 49.2964% | 140 |
| Total risk-based capital ratio | 50.5523% | 138 |
| Memoranda: | ||
| Average total assets | $18,302,000 | 6,923 |
| Average earning assets | $17,314,000 | 6,894 |
| Average equity | $3,258,500 | 6,670 |
| Average total loans | $5,213,000 | 6,929 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0063% | 6,769 |
| Cost of funding earning assets | 0.3052% | 6,428 |
| Net interest margin | 2.7010% | 6,517 |
| Noninterest income to average assets | 0.4043% | 4,570 |
| Noninterest expense to average assets | 2.6607% | 4,538 |
| Loan and lease loss provision to assets | 0.0055% | 5,857 |
| Net operating income to assets | 0.2841% | 5,521 |
| Return on assets (ROA) | 0.2841% | 5,735 |
| Pretax return on assets | 0.3005% | 5,814 |
| Return on Equity (ROE) | 1.5837% | 6,003 |
| Retained earnings to average equity (ytd only) | -0.2436% | 5,898 |
| Net charge-offs to loans | 0.0186% | 5,657 |
| Credit loss provision to net charge-offs | 100.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 56.0000% | 629 |
| Efficiency ratio | 89.6869% | 1,093 |
| Assets per employee ($millions) | 3.0882% | 5,860 |
| Cash dividends to net income (ytd only)* | 115.3846% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 1,703 |
| Loan loss allowance to noncurrent loans | 116.3265% | 2,942 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 5,156 |
| Noncurrent loans to loans | 1.8239% | 2,882 |
| Net loans and leases to total assets | 28.3825% | 6,752 |
| Net loans and leases to deposits | 34.5079% | 6,726 |
| Net loans and leases to core deposits | 34.5079% | 6,758 |
| Total domestic deposits to total assets | 82.2494% | 5,010 |
| Equity capital to assets | 17.5886% | 358 |
| Core capital (leverage) ratio | 17.4455% | 320 |
| Tier 1 risk-based capital ratio | 46.2204% | 161 |
| Total risk-based capital ratio | 47.4684% | 160 |
| Memoranda: | ||
| Average total assets | $18,303,400 | 6,984 |
| Average earning assets | $17,363,800 | 6,946 |
| Average equity | $3,283,400 | 6,728 |
| Average total loans | $5,377,800 | 6,992 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0462% | 6,875 |
| Cost of funding earning assets | 0.3308% | 6,464 |
| Net interest margin | 2.7154% | 6,623 |
| Noninterest income to average assets | 0.4092% | 4,560 |
| Noninterest expense to average assets | 2.5867% | 4,786 |
| Loan and lease loss provision to assets | 0.0073% | 5,717 |
| Net operating income to assets | 0.3435% | 5,461 |
| Return on assets (ROA) | 0.3435% | 5,661 |
| Pretax return on assets | 0.3946% | 5,732 |
| Return on Equity (ROE) | 1.9052% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.9052% | 5,383 |
| Net charge-offs to loans | 0.0247% | 5,323 |
| Credit loss provision to net charge-offs | 100.0000% | 2,954 |
| Earnings coverage of net charge-offs (x) | 55.1353% | 697 |
| Efficiency ratio | 86.5526% | 1,337 |
| Assets per employee ($millions) | 3.0397% | 5,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0894% | 1,932 |
| Loan loss allowance to noncurrent loans | 111.7647% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 5,271 |
| Noncurrent loans to loans | 1.8695% | 2,989 |
| Net loans and leases to total assets | 29.2905% | 6,838 |
| Net loans and leases to deposits | 35.8740% | 6,817 |
| Net loans and leases to core deposits | 35.8740% | 6,857 |
| Total domestic deposits to total assets | 81.6482% | 5,147 |
| Equity capital to assets | 18.1709% | 347 |
| Core capital (leverage) ratio | 17.9000% | 304 |
| Tier 1 risk-based capital ratio | 46.2591% | 163 |
| Total risk-based capital ratio | 47.5154% | 162 |
| Memoranda: | ||
| Average total assets | $18,247,000 | 7,076 |
| Average earning assets | $17,332,500 | 7,043 |
| Average equity | $3,289,500 | 6,816 |
| Average total loans | $5,379,000 | 7,088 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0863% | 6,937 |
| Cost of funding earning assets | 0.3468% | 6,522 |
| Net interest margin | 2.7396% | 6,664 |
| Noninterest income to average assets | 0.4055% | 4,610 |
| Noninterest expense to average assets | 2.5863% | 4,822 |
| Loan and lease loss provision to assets | 0.0110% | 5,523 |
| Net operating income to assets | 0.3507% | 5,427 |
| Return on assets (ROA) | 0.3507% | 5,652 |
| Pretax return on assets | 0.4055% | 5,699 |
| Return on Equity (ROE) | 1.9504% | 6,055 |
| Retained earnings to average equity (ytd only) | 1.9504% | 5,220 |
| Net charge-offs to loans | 0.0374% | 4,856 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 38.0000% | 912 |
| Efficiency ratio | 86.1314% | 1,419 |
| Assets per employee ($millions) | 3.0510% | 5,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1182% | 1,953 |
| Loan loss allowance to noncurrent loans | 242.5532% | 1,438 |
| Noncurrent assets plus other real estate owned to assets | 0.2567% | 6,131 |
| Noncurrent loans to loans | 0.8733% | 4,748 |
| Net loans and leases to total assets | 28.7775% | 6,914 |
| Net loans and leases to deposits | 35.1786% | 6,893 |
| Net loans and leases to core deposits | 35.1786% | 6,932 |
| Total domestic deposits to total assets | 81.8038% | 5,202 |
| Equity capital to assets | 18.0214% | 341 |
| Core capital (leverage) ratio | 17.9381% | 291 |
| Tier 1 risk-based capital ratio | 46.7479% | 153 |
| Total risk-based capital ratio | 48.0091% | 151 |
| Memoranda: | ||
| Average total assets | $18,250,000 | 7,138 |
| Average earning assets | $17,302,000 | 7,102 |
| Average equity | $3,281,330 | 6,855 |
| Average total loans | $5,353,330 | 7,148 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1258% | 6,991 |
| Cost of funding earning assets | 0.3473% | 6,652 |
| Net interest margin | 2.7785% | 6,667 |
| Noninterest income to average assets | 0.4171% | 4,539 |
| Noninterest expense to average assets | 2.7439% | 4,268 |
| Loan and lease loss provision to assets | 0.0220% | 5,063 |
| Net operating income to assets | 0.2415% | 5,852 |
| Return on assets (ROA) | 0.2415% | 5,996 |
| Pretax return on assets | 0.2854% | 6,011 |
| Return on Equity (ROE) | 1.3445% | 6,278 |
| Retained earnings to average equity (ytd only) | 1.3445% | 5,565 |
| Net charge-offs to loans | 0.0749% | 3,753 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,497 |
| Efficiency ratio | 89.9281% | 1,104 |
| Assets per employee ($millions) | 3.0958% | 5,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2534% | 1,771 |
| Loan loss allowance to noncurrent loans | 3,800.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 6,875 |
| Noncurrent loans to loans | 0.0593% | 6,607 |
| Net loans and leases to total assets | 26.6218% | 7,016 |
| Net loans and leases to deposits | 32.4050% | 7,001 |
| Net loans and leases to core deposits | 32.4050% | 7,032 |
| Total domestic deposits to total assets | 82.1534% | 5,241 |
| Equity capital to assets | 17.6474% | 366 |
| Core capital (leverage) ratio | 17.8774% | 301 |
| Tier 1 risk-based capital ratio | 48.9692% | 133 |
| Total risk-based capital ratio | 50.2241% | 132 |
| Memoranda: | ||
| Average total assets | $18,222,000 | 7,200 |
| Average earning assets | $17,275,500 | 7,167 |
| Average equity | $3,272,500 | 6,906 |
| Average total loans | $5,339,000 | 7,209 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6333% | 6,910 |
| Cost of funding earning assets | 0.4798% | 6,615 |
| Net interest margin | 3.1536% | 6,210 |
| Noninterest income to average assets | 0.4481% | 4,231 |
| Noninterest expense to average assets | 2.9184% | 3,883 |
| Loan and lease loss provision to assets | 0.0182% | 6,343 |
| Net operating income to assets | 0.4359% | 4,708 |
| Return on assets (ROA) | 0.4359% | 4,912 |
| Pretax return on assets | 0.4965% | 5,002 |
| Return on Equity (ROE) | 2.1899% | 5,587 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0088% | 1,666 |
| Assets per employee ($millions) | 2.9782% | 6,135 |
| Cash dividends to net income (ytd only)* | 100.0000% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0288% | 2,188 |
| Loan loss allowance to noncurrent loans | 2,850.0000% | 171 |
| Noncurrent assets plus other real estate owned to assets | 0.0224% | 6,916 |
| Noncurrent loans to loans | 0.0712% | 6,638 |
| Net loans and leases to total assets | 30.8075% | 6,979 |
| Net loans and leases to deposits | 37.8117% | 6,951 |
| Net loans and leases to core deposits | 37.8117% | 7,007 |
| Total domestic deposits to total assets | 81.4763% | 5,301 |
| Equity capital to assets | 18.2831% | 330 |
| Core capital (leverage) ratio | 18.9304% | 249 |
| Tier 1 risk-based capital ratio | 42.3680% | 195 |
| Total risk-based capital ratio | 43.6260% | 188 |
| Memoranda: | ||
| Average total assets | $16,516,000 | 7,265 |
| Average earning assets | $15,633,000 | 7,238 |
| Average equity | $3,287,800 | 6,936 |
| Average total loans | $5,843,000 | 7,245 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7350% | 6,902 |
| Cost of funding earning assets | 0.4963% | 6,708 |
| Net interest margin | 3.2387% | 6,052 |
| Noninterest income to average assets | 0.4451% | 4,331 |
| Noninterest expense to average assets | 2.9092% | 3,892 |
| Loan and lease loss provision to assets | 0.0247% | 6,145 |
| Net operating income to assets | 0.4698% | 4,677 |
| Return on assets (ROA) | 0.4698% | 4,870 |
| Pretax return on assets | 0.5769% | 4,891 |
| Return on Equity (ROE) | 2.3079% | 5,674 |
| Retained earnings to average equity (ytd only) | 2.3079% | 4,964 |
| Net charge-offs to loans | -0.0225% | 6,931 |
| Credit loss provision to net charge-offs | -300.0000% | 6,617 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8638% | 1,861 |
| Assets per employee ($millions) | 2.6992% | 6,650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9541% | 2,466 |
| Loan loss allowance to noncurrent loans | 2,875.0000% | 157 |
| Noncurrent assets plus other real estate owned to assets | 0.0247% | 7,000 |
| Noncurrent loans to loans | 0.0680% | 6,760 |
| Net loans and leases to total assets | 35.6283% | 6,885 |
| Net loans and leases to deposits | 45.0043% | 6,790 |
| Net loans and leases to core deposits | 45.0043% | 6,888 |
| Total domestic deposits to total assets | 79.1664% | 5,955 |
| Equity capital to assets | 20.5249% | 225 |
| Core capital (leverage) ratio | 20.2868% | 205 |
| Tier 1 risk-based capital ratio | 45.0407% | 180 |
| Total risk-based capital ratio | 46.3008% | 175 |
| Memoranda: | ||
| Average total assets | $16,177,750 | 7,345 |
| Average earning assets | $15,314,500 | 7,321 |
| Average equity | $3,293,000 | 6,992 |
| Average total loans | $5,899,000 | 7,317 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 6,977 |
| Cost of funding earning assets | 0.5104% | 6,812 |
| Net interest margin | 3.2327% | 6,053 |
| Noninterest income to average assets | 0.4081% | 4,615 |
| Noninterest expense to average assets | 2.8444% | 4,250 |
| Loan and lease loss provision to assets | 0.0371% | 5,847 |
| Net operating income to assets | 0.4699% | 4,644 |
| Return on assets (ROA) | 0.4699% | 4,780 |
| Pretax return on assets | 0.5813% | 4,803 |
| Return on Equity (ROE) | 2.3152% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.3152% | 4,815 |
| Net charge-offs to loans | -0.0339% | 6,948 |
| Credit loss provision to net charge-offs | -300.0000% | 6,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1429% | 2,079 |
| Assets per employee ($millions) | 2.7413% | 6,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9900% | 2,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 34.4358% | 7,034 |
| Net loans and leases to deposits | 43.2399% | 6,945 |
| Net loans and leases to core deposits | 43.2399% | 7,034 |
| Total domestic deposits to total assets | 79.6389% | 5,914 |
| Equity capital to assets | 20.0936% | 253 |
| Core capital (leverage) ratio | 20.0680% | 221 |
| Tier 1 risk-based capital ratio | 45.1256% | 176 |
| Total risk-based capital ratio | 46.3818% | 175 |
| Memoranda: | ||
| Average total assets | $16,172,000 | 7,419 |
| Average earning assets | $15,281,330 | 7,395 |
| Average equity | $3,282,670 | 7,046 |
| Average total loans | $5,903,670 | 7,391 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7878% | 6,961 |
| Cost of funding earning assets | 0.5298% | 6,866 |
| Net interest margin | 3.2581% | 5,906 |
| Noninterest income to average assets | 0.3992% | 4,701 |
| Noninterest expense to average assets | 3.0435% | 3,472 |
| Loan and lease loss provision to assets | 0.0249% | 5,649 |
| Net operating income to assets | 0.3493% | 5,178 |
| Return on assets (ROA) | 0.3493% | 5,261 |
| Pretax return on assets | 0.3992% | 5,345 |
| Return on Equity (ROE) | 1.7118% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.7118% | 5,095 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7698% | 1,546 |
| Assets per employee ($millions) | 2.7323% | 6,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9858% | 2,458 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 33.7197% | 7,102 |
| Net loans and leases to deposits | 42.2953% | 7,010 |
| Net loans and leases to core deposits | 42.2953% | 7,099 |
| Total domestic deposits to total assets | 79.7243% | 6,010 |
| Equity capital to assets | 20.0134% | 258 |
| Core capital (leverage) ratio | 19.9174% | 236 |
| Tier 1 risk-based capital ratio | 45.2739% | 172 |
| Total risk-based capital ratio | 46.5296% | 166 |
| Memoranda: | ||
| Average total assets | $16,034,000 | 7,479 |
| Average earning assets | $15,101,000 | 7,454 |
| Average equity | $3,271,500 | 7,087 |
| Average total loans | $5,966,000 | 7,447 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2471% | 6,862 |
| Cost of funding earning assets | 0.6676% | 6,967 |
| Net interest margin | 3.5795% | 4,914 |
| Noninterest income to average assets | 0.4247% | 4,709 |
| Noninterest expense to average assets | 3.1079% | 3,421 |
| Loan and lease loss provision to assets | 0.0579% | 6,557 |
| Net operating income to assets | 0.4311% | 4,404 |
| Return on assets (ROA) | 0.4311% | 4,555 |
| Pretax return on assets | 0.5019% | 4,618 |
| Return on Equity (ROE) | 2.0365% | 5,366 |
| Retained earnings to average equity (ytd only) | -0.1520% | 5,633 |
| Net charge-offs to loans | 0.0316% | 6,487 |
| Credit loss provision to net charge-offs | 450.0000% | 509 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 535 |
| Efficiency ratio | 84.7368% | 1,831 |
| Assets per employee ($millions) | 2.6123% | 6,836 |
| Cash dividends to net income (ytd only)* | 107.4627% | 317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7641% | 2,979 |
| Loan loss allowance to noncurrent loans | 2,220.0000% | 200 |
| Noncurrent assets plus other real estate owned to assets | 0.0319% | 7,160 |
| Noncurrent loans to loans | 0.0795% | 6,933 |
| Net loans and leases to total assets | 39.4347% | 6,997 |
| Net loans and leases to deposits | 49.9555% | 6,858 |
| Net loans and leases to core deposits | 49.9555% | 6,975 |
| Total domestic deposits to total assets | 78.9396% | 6,095 |
| Equity capital to assets | 20.8115% | 217 |
| Core capital (leverage) ratio | 20.2823% | 223 |
| Tier 1 risk-based capital ratio | 42.0958% | 210 |
| Total risk-based capital ratio | 43.3475% | 201 |
| Memoranda: | ||
| Average total assets | $15,541,000 | 7,563 |
| Average earning assets | $14,080,200 | 7,545 |
| Average equity | $3,290,000 | 7,195 |
| Average total loans | $6,325,400 | 7,520 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3336% | 6,920 |
| Cost of funding earning assets | 0.6903% | 7,092 |
| Net interest margin | 3.6433% | 4,663 |
| Noninterest income to average assets | 0.4127% | 4,855 |
| Noninterest expense to average assets | 3.0178% | 3,678 |
| Loan and lease loss provision to assets | 0.0774% | 6,274 |
| Net operating income to assets | 0.4729% | 4,428 |
| Return on assets (ROA) | 0.4729% | 4,627 |
| Pretax return on assets | 0.5846% | 4,653 |
| Return on Equity (ROE) | 2.2241% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.2241% | 4,834 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0093% | 2,058 |
| Assets per employee ($millions) | 2.6003% | 6,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 2,661 |
| Loan loss allowance to noncurrent loans | 1,614.2857% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.0449% | 7,233 |
| Noncurrent loans to loans | 0.1140% | 6,956 |
| Net loans and leases to total assets | 38.6233% | 7,158 |
| Net loans and leases to deposits | 49.2481% | 7,033 |
| Net loans and leases to core deposits | 49.2481% | 7,149 |
| Total domestic deposits to total assets | 78.4258% | 6,161 |
| Equity capital to assets | 21.2921% | 218 |
| Core capital (leverage) ratio | 21.5476% | 192 |
| Tier 1 risk-based capital ratio | 43.8953% | 192 |
| Total risk-based capital ratio | 45.1506% | 192 |
| Memoranda: | ||
| Average total assets | $15,507,750 | 7,658 |
| Average earning assets | $13,906,500 | 7,647 |
| Average equity | $3,297,000 | 7,279 |
| Average total loans | $6,333,750 | 7,617 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4488% | 6,808 |
| Cost of funding earning assets | 0.6956% | 7,203 |
| Net interest margin | 3.7533% | 4,116 |
| Noninterest income to average assets | 0.4523% | 4,494 |
| Noninterest expense to average assets | 2.9852% | 3,758 |
| Loan and lease loss provision to assets | 0.0775% | 6,165 |
| Net operating income to assets | 0.5686% | 4,005 |
| Return on assets (ROA) | 0.5686% | 4,149 |
| Pretax return on assets | 0.7366% | 4,120 |
| Return on Equity (ROE) | 2.6759% | 5,389 |
| Retained earnings to average equity (ytd only) | 2.6759% | 4,444 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5714% | 2,646 |
| Assets per employee ($millions) | 2.5603% | 7,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7711% | 2,816 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 39.7149% | 7,182 |
| Net loans and leases to deposits | 50.8078% | 7,036 |
| Net loans and leases to core deposits | 50.8078% | 7,181 |
| Total domestic deposits to total assets | 78.1669% | 6,231 |
| Equity capital to assets | 21.5532% | 221 |
| Core capital (leverage) ratio | 21.1958% | 197 |
| Tier 1 risk-based capital ratio | 43.7616% | 193 |
| Total risk-based capital ratio | 45.0172% | 192 |
| Memoranda: | ||
| Average total assets | $15,476,330 | 7,723 |
| Average earning assets | $13,801,330 | 7,710 |
| Average equity | $3,288,670 | 7,326 |
| Average total loans | $6,398,670 | 7,679 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 6,842 |
| Cost of funding earning assets | 0.6927% | 7,348 |
| Net interest margin | 3.7811% | 3,873 |
| Noninterest income to average assets | 0.4378% | 4,576 |
| Noninterest expense to average assets | 3.0386% | 3,530 |
| Loan and lease loss provision to assets | 0.0773% | 5,869 |
| Net operating income to assets | 0.5408% | 4,179 |
| Return on assets (ROA) | 0.5408% | 4,317 |
| Pretax return on assets | 0.6953% | 4,250 |
| Return on Equity (ROE) | 2.5629% | 5,532 |
| Retained earnings to average equity (ytd only) | 2.5629% | 4,598 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7297% | 2,608 |
| Assets per employee ($millions) | 2.5453% | 7,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6797% | 3,137 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1637% | 7,066 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 41.0097% | 7,183 |
| Net loans and leases to deposits | 52.4627% | 7,010 |
| Net loans and leases to core deposits | 52.4627% | 7,173 |
| Total domestic deposits to total assets | 78.1692% | 6,282 |
| Equity capital to assets | 21.5296% | 227 |
| Core capital (leverage) ratio | 21.1979% | 205 |
| Tier 1 risk-based capital ratio | 42.9355% | 212 |
| Total risk-based capital ratio | 44.1891% | 207 |
| Memoranda: | ||
| Average total assets | $15,533,500 | 7,823 |
| Average earning assets | $13,858,500 | 7,811 |
| Average equity | $3,277,500 | 7,409 |
| Average total loans | $6,492,500 | 7,775 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 6,971 |
| Cost of funding earning assets | 0.8960% | 7,412 |
| Net interest margin | 3.8924% | 3,295 |
| Noninterest income to average assets | 0.4871% | 4,509 |
| Noninterest expense to average assets | 3.2384% | 3,244 |
| Loan and lease loss provision to assets | 0.0395% | 7,153 |
| Net operating income to assets | 0.6121% | 3,287 |
| Return on assets (ROA) | 0.6121% | 3,357 |
| Pretax return on assets | 0.6977% | 3,584 |
| Return on Equity (ROE) | 2.8235% | 4,576 |
| Retained earnings to average equity (ytd only) | 0.0911% | 4,849 |
| Net charge-offs to loans | 0.3384% | 4,536 |
| Credit loss provision to net charge-offs | 30.0000% | 6,897 |
| Earnings coverage of net charge-offs (x) | 5.6000% | 2,548 |
| Efficiency ratio | 81.4570% | 2,676 |
| Assets per employee ($millions) | 2.6325% | 6,978 |
| Cash dividends to net income (ytd only)* | 96.7742% | 703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5722% | 3,390 |
| Loan loss allowance to noncurrent loans | 1,733.3333% | 227 |
| Noncurrent assets plus other real estate owned to assets | 0.1963% | 6,976 |
| Noncurrent loans to loans | 0.0907% | 7,186 |
| Net loans and leases to total assets | 41.2219% | 7,286 |
| Net loans and leases to deposits | 52.1381% | 7,150 |
| Net loans and leases to core deposits | 53.4477% | 7,488 |
| Total domestic deposits to total assets | 79.0630% | 5,959 |
| Equity capital to assets | 20.6838% | 265 |
| Core capital (leverage) ratio | 21.4722% | 222 |
| Tier 1 risk-based capital ratio | 41.1047% | 231 |
| Total risk-based capital ratio | 42.3503% | 225 |
| Memoranda: | ||
| Average total assets | $15,192,800 | 7,892 |
| Average earning assets | $13,616,400 | 7,879 |
| Average equity | $3,293,800 | 7,505 |
| Average total loans | $5,910,400 | 7,864 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8602% | 6,987 |
| Cost of funding earning assets | 0.9464% | 7,490 |
| Net interest margin | 3.9138% | 3,185 |
| Noninterest income to average assets | 0.4875% | 4,602 |
| Noninterest expense to average assets | 3.2086% | 3,275 |
| Loan and lease loss provision to assets | 0.0354% | 7,003 |
| Net operating income to assets | 0.6116% | 3,570 |
| Return on assets (ROA) | 0.6116% | 3,615 |
| Pretax return on assets | 0.7623% | 3,658 |
| Return on Equity (ROE) | 2.7875% | 4,882 |
| Retained earnings to average equity (ytd only) | 2.7875% | 3,774 |
| Net charge-offs to loans | 0.3953% | 3,685 |
| Credit loss provision to net charge-offs | 23.5294% | 6,545 |
| Earnings coverage of net charge-offs (x) | 5.2933% | 2,871 |
| Efficiency ratio | 80.0885% | 2,825 |
| Assets per employee ($millions) | 2.4288% | 7,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7570% | 2,417 |
| Loan loss allowance to noncurrent loans | 2,625.0000% | 144 |
| Noncurrent assets plus other real estate owned to assets | 0.1990% | 7,034 |
| Noncurrent loans to loans | 0.0669% | 7,336 |
| Net loans and leases to total assets | 40.2868% | 7,453 |
| Net loans and leases to deposits | 52.4852% | 7,284 |
| Net loans and leases to core deposits | 53.9564% | 7,593 |
| Total domestic deposits to total assets | 76.7584% | 6,407 |
| Equity capital to assets | 22.8711% | 217 |
| Core capital (leverage) ratio | 22.4429% | 223 |
| Tier 1 risk-based capital ratio | 46.4854% | 197 |
| Total risk-based capital ratio | 47.7406% | 196 |
| Memoranda: | ||
| Average total assets | $15,042,250 | 7,974 |
| Average earning assets | $13,524,500 | 7,966 |
| Average equity | $3,300,500 | 7,571 |
| Average total loans | $5,734,250 | 7,948 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 7,070 |
| Cost of funding earning assets | 0.9649% | 7,602 |
| Net interest margin | 3.9180% | 3,024 |
| Noninterest income to average assets | 0.5132% | 4,328 |
| Noninterest expense to average assets | 3.1187% | 3,626 |
| Loan and lease loss provision to assets | 0.0395% | 6,840 |
| Net operating income to assets | 0.6843% | 3,320 |
| Return on assets (ROA) | 0.6843% | 3,436 |
| Pretax return on assets | 0.8817% | 3,400 |
| Return on Equity (ROE) | 3.1614% | 4,839 |
| Retained earnings to average equity (ytd only) | 3.1614% | 3,557 |
| Net charge-offs to loans | 0.3538% | 3,416 |
| Credit loss provision to net charge-offs | 30.0000% | 6,029 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,510 |
| Efficiency ratio | 77.1987% | 3,481 |
| Assets per employee ($millions) | 2.4908% | 7,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9026% | 1,785 |
| Loan loss allowance to noncurrent loans | 5,550.0000% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.1807% | 7,087 |
| Noncurrent loans to loans | 0.0343% | 7,458 |
| Net loans and leases to total assets | 38.2937% | 7,630 |
| Net loans and leases to deposits | 49.4556% | 7,508 |
| Net loans and leases to core deposits | 50.7898% | 7,749 |
| Total domestic deposits to total assets | 77.4306% | 6,222 |
| Equity capital to assets | 22.1880% | 276 |
| Core capital (leverage) ratio | 21.9312% | 279 |
| Tier 1 risk-based capital ratio | 45.7758% | 214 |
| Total risk-based capital ratio | 47.0320% | 215 |
| Memoranda: | ||
| Average total assets | $15,198,670 | 8,061 |
| Average earning assets | $13,680,330 | 8,048 |
| Average equity | $3,289,670 | 7,637 |
| Average total loans | $5,653,670 | 8,041 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9821% | 6,976 |
| Cost of funding earning assets | 1.0138% | 7,652 |
| Net interest margin | 3.9683% | 2,780 |
| Noninterest income to average assets | 0.3654% | 5,512 |
| Noninterest expense to average assets | 3.0537% | 3,544 |
| Loan and lease loss provision to assets | 0.0522% | 6,306 |
| Net operating income to assets | 0.6525% | 3,787 |
| Return on assets (ROA) | 0.6525% | 3,969 |
| Pretax return on assets | 0.8352% | 3,953 |
| Return on Equity (ROE) | 3.0520% | 5,350 |
| Retained earnings to average equity (ytd only) | 3.0520% | 4,179 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4834% | 3,254 |
| Assets per employee ($millions) | 2.4875% | 7,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2573% | 1,003 |
| Loan loss allowance to noncurrent loans | 260.8696% | 1,295 |
| Noncurrent assets plus other real estate owned to assets | 0.3082% | 6,599 |
| Noncurrent loans to loans | 0.8653% | 5,286 |
| Net loans and leases to total assets | 34.8141% | 7,774 |
| Net loans and leases to deposits | 44.9131% | 7,692 |
| Net loans and leases to core deposits | 46.1170% | 7,867 |
| Total domestic deposits to total assets | 77.5142% | 6,142 |
| Equity capital to assets | 22.0369% | 304 |
| Core capital (leverage) ratio | 20.9584% | 354 |
| Tier 1 risk-based capital ratio | 47.3646% | 229 |
| Total risk-based capital ratio | 48.6175% | 231 |
| Memoranda: | ||
| Average total assets | $15,325,500 | 8,109 |
| Average earning assets | $13,809,500 | 8,093 |
| Average equity | $3,276,500 | 7,698 |
| Average total loans | $5,563,500 | 8,097 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6615% | 6,899 |
| Cost of funding earning assets | 1.1930% | 7,950 |
| Net interest margin | 4.4685% | 1,496 |
| Noninterest income to average assets | 0.3594% | 5,849 |
| Noninterest expense to average assets | 3.2415% | 3,178 |
| Loan and lease loss provision to assets | 0.0266% | 7,066 |
| Net operating income to assets | 0.9319% | 2,869 |
| Return on assets (ROA) | 0.9319% | 2,719 |
| Pretax return on assets | 1.2048% | 2,617 |
| Return on Equity (ROE) | 4.2574% | 4,710 |
| Retained earnings to average equity (ytd only) | 0.7907% | 4,747 |
| Net charge-offs to loans | 0.2199% | 4,027 |
| Credit loss provision to net charge-offs | 33.3333% | 6,499 |
| Earnings coverage of net charge-offs (x) | 15.4167% | 1,931 |
| Efficiency ratio | 72.4702% | 3,848 |
| Assets per employee ($millions) | 2.6210% | 6,961 |
| Cash dividends to net income (ytd only)* | 81.4286% | 1,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0306% | 1,167 |
| Loan loss allowance to noncurrent loans | 1,475.0000% | 384 |
| Noncurrent assets plus other real estate owned to assets | 0.0509% | 7,376 |
| Noncurrent loans to loans | 0.1377% | 6,999 |
| Net loans and leases to total assets | 36.2012% | 7,825 |
| Net loans and leases to deposits | 45.8817% | 7,782 |
| Net loans and leases to core deposits | 51.0950% | 7,862 |
| Total domestic deposits to total assets | 78.9012% | 5,405 |
| Equity capital to assets | 20.7554% | 421 |
| Core capital (leverage) ratio | 21.1838% | 364 |
| Tier 1 risk-based capital ratio | 43.2146% | 283 |
| Total risk-based capital ratio | 44.4724% | 281 |
| Memoranda: | ||
| Average total assets | $15,023,800 | 8,161 |
| Average earning assets | $13,830,200 | 8,146 |
| Average equity | $3,288,400 | 7,750 |
| Average total loans | $5,457,400 | 8,143 |