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First State Bank of Wilton, Performance and Condition Ratios

2013-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0246%4,017
Cost of funding earning assets0.5009%3,889
Net interest margin3.5237%3,685
Noninterest income to average assets0.1509%6,292
Noninterest expense to average assets1.7278%6,470
Loan and lease loss provision to assets0.0000%4,788
Net operating income to assets1.4780%936
Return on assets (ROA)1.4780%1,007
Pretax return on assets1.5352%1,526
Return on Equity (ROE)14.4138%927
Retained earnings to average equity (ytd only)14.4138%275
Net charge-offs to loans0.0000%4,909
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.9506%6,223
Assets per employee ($millions)4.8111%2,355
Cash dividends to net income (ytd only)*0.0000%3,522
Condition Ratios (%)
Loss allowance to loans1.5472%3,377
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,597
Noncurrent loans to loans0.0000%6,469
Net loans and leases to total assets44.1425%5,730
Net loans and leases to deposits50.1121%5,834
Net loans and leases to core deposits51.7767%5,903
Total domestic deposits to total assets88.0875%2,184
Equity capital to assets10.1769%3,690
Core capital (leverage) ratio9.5440%4,175
Tier 1 risk-based capital ratio16.6281%2,877
Total risk-based capital ratio17.7723%2,883
Memoranda:
Average total assets$38,430,6706,444
Average earning assets$33,941,3306,469
Average equity$3,940,6706,465
Average total loans$16,621,6706,447
2013-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.0108%4,075
Cost of funding earning assets0.5252%3,837
Net interest margin3.4856%3,764
Noninterest income to average assets0.1562%6,325
Noninterest expense to average assets1.6458%6,624
Loan and lease loss provision to assets0.0000%4,409
Net operating income to assets1.4374%970
Return on assets (ROA)1.4374%1,050
Pretax return on assets1.5520%1,420
Return on Equity (ROE)13.9658%968
Retained earnings to average equity (ytd only)13.9658%453
Net charge-offs to loans0.0000%4,145
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.4658%6,412
Assets per employee ($millions)5.0561%2,143
Cash dividends to net income (ytd only)*0.0000%2,673
Condition Ratios (%)
Loss allowance to loans1.6887%3,056
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,664
Noncurrent loans to loans0.0000%6,535
Net loans and leases to total assets38.4286%6,124
Net loans and leases to deposits43.6164%6,229
Net loans and leases to core deposits44.6179%6,283
Total domestic deposits to total assets88.1060%2,254
Equity capital to assets9.9014%4,272
Core capital (leverage) ratio9.5938%3,939
Tier 1 risk-based capital ratio16.4952%3,003
Total risk-based capital ratio17.6741%2,999
Memoranda:
Average total assets$38,401,5006,502
Average earning assets$33,509,5006,541
Average equity$3,952,5006,530
Average total loans$16,304,0006,519
2012-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3321%4,082
Cost of funding earning assets0.6093%4,256
Net interest margin3.7228%3,553
Noninterest income to average assets0.2303%5,802
Noninterest expense to average assets1.9866%6,356
Loan and lease loss provision to assets0.0000%5,905
Net operating income to assets1.3346%1,224
Return on assets (ROA)1.3346%1,351
Pretax return on assets1.6342%1,297
Return on Equity (ROE)11.5475%1,637
Retained earnings to average equity (ytd only)-8.5466%6,595
Net charge-offs to loans-0.0124%6,496
Credit loss provision to net charge-offs0.0000%5,483
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.8659%6,194
Assets per employee ($millions)4.5443%2,890
Cash dividends to net income (ytd only)*174.0125%161
Condition Ratios (%)
Loss allowance to loans1.5896%3,368
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%6,725
Noncurrent loans to loans0.0000%6,599
Net loans and leases to total assets45.4695%5,671
Net loans and leases to deposits52.3234%5,781
Net loans and leases to core deposits52.8689%5,952
Total domestic deposits to total assets86.9010%2,888
Equity capital to assets10.7278%3,243
Core capital (leverage) ratio9.5462%4,042
Tier 1 risk-based capital ratio16.0144%3,156
Total risk-based capital ratio17.2032%3,150
Memoranda:
Average total assets$36,041,8006,607
Average earning assets$32,824,8006,586
Average equity$4,165,4006,528
Average total loans$16,115,0006,594
2012-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.3025%4,444
Cost of funding earning assets0.6187%4,464
Net interest margin3.6838%3,862
Noninterest income to average assets0.2298%5,901
Noninterest expense to average assets1.8685%6,583
Loan and lease loss provision to assets0.0000%5,790
Net operating income to assets1.2605%1,540
Return on assets (ROA)1.2605%1,702
Pretax return on assets1.7165%1,228
Return on Equity (ROE)10.7124%2,057
Retained earnings to average equity (ytd only)-15.6590%6,919
Net charge-offs to loans-0.0167%6,462
Credit loss provision to net charge-offs0.0000%5,158
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.1200%6,441
Assets per employee ($millions)4.6300%2,703
Cash dividends to net income (ytd only)*246.1771%39
Condition Ratios (%)
Loss allowance to loans1.5615%3,686
Loan loss allowance to noncurrent loans1,218.1818%371
Noncurrent assets plus other real estate owned to assets0.0594%6,602
Noncurrent loans to loans0.1282%6,286
Net loans and leases to total assets45.6129%5,808
Net loans and leases to deposits52.3519%5,952
Net loans and leases to core deposits56.3317%5,870
Total domestic deposits to total assets87.1274%2,589
Equity capital to assets10.3402%4,030
Core capital (leverage) ratio9.4734%4,311
Tier 1 risk-based capital ratio15.1056%3,769
Total risk-based capital ratio16.2769%3,781
Memoranda:
Average total assets$35,963,7506,691
Average earning assets$32,755,7506,672
Average equity$4,231,7506,593
Average total loans$15,944,5006,686
2012-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.2942%4,594
Cost of funding earning assets0.6373%4,551
Net interest margin3.6568%4,003
Noninterest income to average assets0.2415%5,846
Noninterest expense to average assets1.8986%6,597
Loan and lease loss provision to assets0.0000%5,619
Net operating income to assets1.2470%1,572
Return on assets (ROA)1.2470%1,748
Pretax return on assets1.6627%1,359
Return on Equity (ROE)10.1703%2,286
Retained earnings to average equity (ytd only)10.1703%931
Net charge-offs to loans-0.0257%6,488
Credit loss provision to net charge-offs0.0000%4,809
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio53.3123%6,385
Assets per employee ($millions)4.5643%2,778
Cash dividends to net income (ytd only)*0.0000%3,523
Condition Ratios (%)
Loss allowance to loans1.6287%3,504
Loan loss allowance to noncurrent loans26,800.0000%30
Noncurrent assets plus other real estate owned to assets0.0027%6,859
Noncurrent loans to loans0.0061%6,707
Net loans and leases to total assets44.3309%5,987
Net loans and leases to deposits51.9164%6,032
Net loans and leases to core deposits73.0889%4,153
Total domestic deposits to total assets85.3892%3,669
Equity capital to assets12.2884%1,941
Core capital (leverage) ratio11.5791%1,851
Tier 1 risk-based capital ratio18.6971%2,070
Total risk-based capital ratio19.8978%2,042
Memoranda:
Average total assets$35,605,0006,752
Average earning assets$32,323,0006,728
Average equity$4,365,6706,580
Average total loans$15,538,3306,765
2012-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4205%4,238
Cost of funding earning assets0.6859%4,402
Net interest margin3.7345%3,677
Noninterest income to average assets0.1821%6,290
Noninterest expense to average assets1.8435%6,749
Loan and lease loss provision to assets0.0000%5,254
Net operating income to assets1.3200%1,399
Return on assets (ROA)1.3200%1,568
Pretax return on assets1.6842%1,346
Return on Equity (ROE)10.7782%2,116
Retained earnings to average equity (ytd only)10.7782%1,094
Net charge-offs to loans0.0000%4,730
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio52.2581%6,516
Assets per employee ($millions)4.5626%2,874
Cash dividends to net income (ytd only)*0.0000%2,732
Condition Ratios (%)
Loss allowance to loans1.8543%2,831
Loan loss allowance to noncurrent loans13,300.0000%46
Noncurrent assets plus other real estate owned to assets0.0055%6,930
Noncurrent loans to loans0.0139%6,752
Net loans and leases to total assets38.5715%6,456
Net loans and leases to deposits44.9191%6,496
Net loans and leases to core deposits44.9191%6,623
Total domestic deposits to total assets85.8689%3,608
Equity capital to assets11.9805%2,056
Core capital (leverage) ratio11.1437%2,150
Tier 1 risk-based capital ratio19.8082%1,756
Total risk-based capital ratio21.1031%1,719
Memoranda:
Average total assets$35,150,5006,818
Average earning assets$31,490,0006,808
Average equity$4,305,0006,635
Average total loans$15,080,0006,851
2011-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5573%4,847
Cost of funding earning assets0.7692%5,065
Net interest margin3.7881%3,888
Noninterest income to average assets0.1812%6,196
Noninterest expense to average assets2.0592%6,567
Loan and lease loss provision to assets0.0000%6,496
Net operating income to assets1.3104%1,217
Return on assets (ROA)1.3104%1,328
Pretax return on assets1.6908%1,002
Return on Equity (ROE)10.9133%1,717
Retained earnings to average equity (ytd only)9.6560%639
Net charge-offs to loans0.0065%6,339
Credit loss provision to net charge-offs0.0000%6,066
Earnings coverage of net charge-offs (x)560.0000%57
Efficiency ratio54.9114%6,436
Assets per employee ($millions)4.2250%3,422
Cash dividends to net income (ytd only)*11.5207%3,826
Condition Ratios (%)
Loss allowance to loans1.6819%3,271
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.0000%7,026
Noncurrent loans to loans0.0000%6,879
Net loans and leases to total assets46.0030%6,012
Net loans and leases to deposits54.2874%6,040
Net loans and leases to core deposits57.4039%6,049
Total domestic deposits to total assets84.7396%3,985
Equity capital to assets12.5355%1,778
Core capital (leverage) ratio11.6954%1,768
Tier 1 risk-based capital ratio18.9091%1,931
Total risk-based capital ratio20.1770%1,881
Memoranda:
Average total assets$33,120,2006,890
Average earning assets$31,202,8006,830
Average equity$3,976,8006,753
Average total loans$15,299,0006,889
2011-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.5437%5,105
Cost of funding earning assets0.8031%5,126
Net interest margin3.7406%4,154
Noninterest income to average assets0.1700%6,372
Noninterest expense to average assets2.0839%6,524
Loan and lease loss provision to assets0.0000%6,393
Net operating income to assets1.1977%1,659
Return on assets (ROA)1.1977%1,772
Pretax return on assets1.6105%1,356
Return on Equity (ROE)10.0891%2,167
Retained earnings to average equity (ytd only)8.3847%1,358
Net charge-offs to loans0.0000%6,185
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.4074%6,224
Assets per employee ($millions)4.3045%3,267
Cash dividends to net income (ytd only)*16.8930%3,053
Condition Ratios (%)
Loss allowance to loans1.6291%3,531
Loan loss allowance to noncurrent loans13,300.0000%42
Noncurrent assets plus other real estate owned to assets0.0058%7,067
Noncurrent loans to loans0.0122%6,922
Net loans and leases to total assets46.6430%6,093
Net loans and leases to deposits57.3807%5,903
Net loans and leases to core deposits60.2996%5,965
Total domestic deposits to total assets81.2870%5,344
Equity capital to assets11.9991%2,250
Core capital (leverage) ratio11.4627%2,053
Tier 1 risk-based capital ratio17.9027%2,290
Total risk-based capital ratio19.1513%2,254
Memoranda:
Average total assets$32,950,2506,954
Average earning assets$31,045,7506,903
Average equity$3,911,7506,830
Average total loans$15,170,0006,960
2011-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4345%5,572
Cost of funding earning assets0.8045%5,338
Net interest margin3.6300%4,603
Noninterest income to average assets0.1972%6,261
Noninterest expense to average assets2.0767%6,639
Loan and lease loss provision to assets0.0000%6,217
Net operating income to assets1.1524%1,712
Return on assets (ROA)1.1524%1,793
Pretax return on assets1.5406%1,400
Return on Equity (ROE)9.7438%2,215
Retained earnings to average equity (ytd only)9.7438%908
Net charge-offs to loans0.0000%5,875
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio57.4106%6,241
Assets per employee ($millions)4.0131%3,730
Cash dividends to net income (ytd only)*0.0000%3,290
Condition Ratios (%)
Loss allowance to loans1.8621%2,791
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1557%6,706
Noncurrent loans to loans0.0000%7,026
Net loans and leases to total assets43.6661%6,462
Net loans and leases to deposits52.2668%6,448
Net loans and leases to core deposits53.3712%6,598
Total domestic deposits to total assets83.5446%4,536
Equity capital to assets12.4778%1,789
Core capital (leverage) ratio11.6706%1,798
Tier 1 risk-based capital ratio19.7083%1,668
Total risk-based capital ratio20.9988%1,630
Memoranda:
Average total assets$32,455,0007,035
Average earning assets$30,578,6706,978
Average equity$3,838,3306,891
Average total loans$14,784,0007,046
2011-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.4000%5,702
Cost of funding earning assets0.8722%5,114
Net interest margin3.5278%4,891
Noninterest income to average assets0.2084%6,243
Noninterest expense to average assets2.0104%6,816
Loan and lease loss provision to assets0.0000%5,840
Net operating income to assets1.1401%1,703
Return on assets (ROA)1.1401%1,747
Pretax return on assets1.5201%1,387
Return on Equity (ROE)9.9081%2,130
Retained earnings to average equity (ytd only)9.9081%1,138
Net charge-offs to loans0.0000%5,107
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.9444%6,389
Assets per employee ($millions)4.0846%3,676
Cash dividends to net income (ytd only)*0.0000%2,514
Condition Ratios (%)
Loss allowance to loans1.9250%2,610
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1530%6,783
Noncurrent loans to loans0.0000%7,094
Net loans and leases to total assets41.6287%6,656
Net loans and leases to deposits48.5804%6,716
Net loans and leases to core deposits49.5628%6,797
Total domestic deposits to total assets85.6902%3,697
Equity capital to assets11.6688%2,142
Core capital (leverage) ratio11.3120%1,948
Tier 1 risk-based capital ratio18.3887%1,991
Total risk-based capital ratio19.6444%1,944
Memoranda:
Average total assets$32,630,0007,083
Average earning assets$30,727,0007,025
Average equity$3,754,5006,945
Average total loans$15,033,5007,088
2010-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9342%4,861
Cost of funding earning assets1.0697%5,314
Net interest margin3.8645%3,666
Noninterest income to average assets0.1627%6,551
Noninterest expense to average assets2.1784%6,673
Loan and lease loss provision to assets0.0542%6,604
Net operating income to assets1.1811%1,460
Return on assets (ROA)1.5278%781
Pretax return on assets2.0157%464
Return on Equity (ROE)13.2518%1,034
Retained earnings to average equity (ytd only)10.4853%439
Net charge-offs to loans0.0488%6,306
Credit loss provision to net charge-offs212.5000%1,435
Earnings coverage of net charge-offs (x)63.2500%378
Efficiency ratio57.4432%6,397
Assets per employee ($millions)4.0729%3,632
Cash dividends to net income (ytd only)*20.8768%3,412
Condition Ratios (%)
Loss allowance to loans1.6423%3,417
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.1535%6,848
Noncurrent loans to loans0.0000%7,175
Net loans and leases to total assets48.8936%6,285
Net loans and leases to deposits62.2889%5,825
Net loans and leases to core deposits63.6705%6,085
Total domestic deposits to total assets78.4949%6,216
Equity capital to assets11.3433%2,380
Core capital (leverage) ratio11.1125%2,075
Tier 1 risk-based capital ratio17.0693%2,324
Total risk-based capital ratio18.3419%2,286
Memoranda:
Average total assets$31,353,2007,162
Average earning assets$29,447,6007,112
Average equity$3,614,6007,106
Average total loans$16,403,6007,096
2010-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.9598%4,993
Cost of funding earning assets1.0971%5,436
Net interest margin3.8627%3,691
Noninterest income to average assets0.2405%6,172
Noninterest expense to average assets2.1344%6,771
Loan and lease loss provision to assets0.0000%6,977
Net operating income to assets1.2039%1,585
Return on assets (ROA)1.6277%771
Pretax return on assets2.3491%302
Return on Equity (ROE)14.0591%1,020
Retained earnings to average equity (ytd only)14.0591%269
Net charge-offs to loans0.0648%5,869
Credit loss provision to net charge-offs0.0000%6,367
Earnings coverage of net charge-offs (x)50.4827%562
Efficiency ratio55.1609%6,662
Assets per employee ($millions)4.0481%3,738
Cash dividends to net income (ytd only)*0.0000%3,526
Condition Ratios (%)
Loss allowance to loans1.4455%4,230
Loan loss allowance to noncurrent loansNANA
Noncurrent assets plus other real estate owned to assets0.2285%6,795
Noncurrent loans to loans0.0000%7,276
Net loans and leases to total assets52.6324%6,025
Net loans and leases to deposits66.4419%5,616
Net loans and leases to core deposits67.9111%5,953
Total domestic deposits to total assets79.2157%5,966
Equity capital to assets11.5825%2,468
Core capital (leverage) ratio11.2929%2,070
Tier 1 risk-based capital ratio16.8636%2,390
Total risk-based capital ratio18.0452%2,375
Memoranda:
Average total assets$31,045,7507,254
Average earning assets$29,167,2507,204
Average equity$3,594,2507,205
Average total loans$16,455,2507,190
2010-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8960%5,407
Cost of funding earning assets1.1058%5,640
Net interest margin3.7902%3,936
Noninterest income to average assets0.2288%6,274
Noninterest expense to average assets2.1504%6,764
Loan and lease loss provision to assets0.0000%6,857
Net operating income to assets1.1394%1,726
Return on assets (ROA)1.7844%551
Pretax return on assets2.5752%209
Return on Equity (ROE)15.4150%780
Retained earnings to average equity (ytd only)15.4150%218
Net charge-offs to loans0.0000%6,371
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio56.7241%6,541
Assets per employee ($millions)3.3927%5,206
Cash dividends to net income (ytd only)*0.0000%3,319
Condition Ratios (%)
Loss allowance to loans1.5566%3,641
Loan loss allowance to noncurrent loans314.6341%930
Noncurrent assets plus other real estate owned to assets0.2686%6,732
Noncurrent loans to loans0.4947%6,258
Net loans and leases to total assets53.4388%6,056
Net loans and leases to deposits65.6752%5,851
Net loans and leases to core deposits66.6272%6,195
Total domestic deposits to total assets81.3683%5,260
Equity capital to assets12.0554%2,068
Core capital (leverage) ratio11.3620%2,007
Tier 1 risk-based capital ratio16.8124%2,359
Total risk-based capital ratio17.9973%2,332
Memoranda:
Average total assets$30,599,3307,326
Average earning assets$28,758,0007,268
Average equity$3,542,0007,253
Average total loans$16,175,3307,255
2010-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets4.8253%5,787
Cost of funding earning assets1.1264%5,770
Net interest margin3.6989%4,251
Noninterest income to average assets0.2220%6,378
Noninterest expense to average assets2.0240%7,117
Loan and lease loss provision to assets0.0000%6,552
Net operating income to assets1.1404%1,704
Return on assets (ROA)2.4288%185
Pretax return on assets3.5388%98
Return on Equity (ROE)21.4255%305
Retained earnings to average equity (ytd only)21.4255%166
Net charge-offs to loans0.0000%5,609
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio54.7703%6,909
Assets per employee ($millions)3.8874%4,128
Cash dividends to net income (ytd only)*0.0000%2,528
Condition Ratios (%)
Loss allowance to loans1.7234%2,976
Loan loss allowance to noncurrent loans303.5294%987
Noncurrent assets plus other real estate owned to assets0.2733%6,797
Noncurrent loans to loans0.5678%6,165
Net loans and leases to total assets47.3070%6,731
Net loans and leases to deposits55.3145%6,823
Net loans and leases to core deposits56.0628%6,997
Total domestic deposits to total assets85.5237%3,403
Equity capital to assets11.3283%2,480
Core capital (leverage) ratio10.7482%2,417
Tier 1 risk-based capital ratio16.8800%2,311
Total risk-based capital ratio18.1300%2,267
Memoranda:
Average total assets$30,632,0007,420
Average earning assets$28,765,0007,363
Average equity$3,472,5007,352
Average total loans$15,975,5007,352
2009-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6836%3,195
Cost of funding earning assets1.3563%6,113
Net interest margin4.3273%1,639
Noninterest income to average assets0.2733%6,158
Noninterest expense to average assets2.2979%6,756
Loan and lease loss provision to assets0.2160%5,628
Net operating income to assets1.3059%1,019
Return on assets (ROA)1.3059%1,064
Pretax return on assets1.8289%595
Return on Equity (ROE)11.8989%1,189
Retained earnings to average equity (ytd only)9.2240%460
Net charge-offs to loans1.1323%2,161
Credit loss provision to net charge-offs34.9727%6,870
Earnings coverage of net charge-offs (x)3.3115%3,407
Efficiency ratio52.9138%7,326
Assets per employee ($millions)3.7706%4,354
Cash dividends to net income (ytd only)*22.4806%3,594
Condition Ratios (%)
Loss allowance to loans1.5193%3,626
Loan loss allowance to noncurrent loans314.6341%1,006
Noncurrent assets plus other real estate owned to assets0.2718%6,772
Noncurrent loans to loans0.4829%6,291
Net loans and leases to total assets55.4384%6,030
Net loans and leases to deposits65.3370%6,132
Net loans and leases to core deposits68.4107%6,857
Total domestic deposits to total assets84.8500%3,618
Equity capital to assets11.3443%2,439
Core capital (leverage) ratio10.5726%2,527
Tier 1 risk-based capital ratio15.2840%2,807
Total risk-based capital ratio16.2713%2,882
Memoranda:
Average total assets$29,635,2007,482
Average earning assets$27,869,8007,434
Average equity$3,252,4007,514
Average total loans$16,162,0007,397
2009-09-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5967%3,880
Cost of funding earning assets1.3812%6,300
Net interest margin4.2155%1,986
Noninterest income to average assets0.2712%6,290
Noninterest expense to average assets2.2144%6,936
Loan and lease loss provision to assets0.0452%6,917
Net operating income to assets1.3784%1,071
Return on assets (ROA)1.3784%1,131
Pretax return on assets1.9840%557
Return on Equity (ROE)12.6685%1,185
Retained earnings to average equity (ytd only)12.6685%288
Net charge-offs to loans1.3954%1,478
Credit loss provision to net charge-offs5.9880%6,636
Earnings coverage of net charge-offs (x)2.6886%3,885
Efficiency ratio52.1832%7,396
Assets per employee ($millions)3.8819%3,988
Cash dividends to net income (ytd only)*0.0000%3,688
Condition Ratios (%)
Loss allowance to loans1.2618%4,742
Loan loss allowance to noncurrent loans207.5472%1,424
Noncurrent assets plus other real estate owned to assets0.3413%6,628
Noncurrent loans to loans0.6080%6,091
Net loans and leases to total assets55.4339%6,207
Net loans and leases to deposits73.2179%5,480
Net loans and leases to core deposits74.6952%6,689
Total domestic deposits to total assets75.7108%6,637
Equity capital to assets11.1029%2,922
Core capital (leverage) ratio10.9699%2,423
Tier 1 risk-based capital ratio14.6205%3,213
Total risk-based capital ratio15.5910%3,301
Memoranda:
Average total assets$29,502,7507,557
Average earning assets$27,801,2507,504
Average equity$3,210,0007,592
Average total loans$15,957,2507,472
2009-06-30Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.5702%4,217
Cost of funding earning assets1.4273%6,389
Net interest margin4.1429%2,184
Noninterest income to average assets0.2622%6,400
Noninterest expense to average assets2.2977%6,763
Loan and lease loss provision to assets0.0276%6,966
Net operating income to assets1.3248%1,176
Return on assets (ROA)1.3248%1,247
Pretax return on assets1.8423%783
Return on Equity (ROE)12.2657%1,340
Retained earnings to average equity (ytd only)12.2657%405
Net charge-offs to loans1.9528%951
Credit loss provision to net charge-offs2.6490%6,230
Earnings coverage of net charge-offs (x)1.7947%4,214
Efficiency ratio55.1325%7,213
Assets per employee ($millions)3.5359%4,717
Cash dividends to net income (ytd only)*0.0000%3,532
Condition Ratios (%)
Loss allowance to loans1.4815%3,299
Loan loss allowance to noncurrent loans696.9697%490
Noncurrent assets plus other real estate owned to assets0.1167%7,268
Noncurrent loans to loans0.2126%6,984
Net loans and leases to total assets54.0708%6,442
Net loans and leases to deposits64.1192%6,551
Net loans and leases to core deposits65.3940%7,238
Total domestic deposits to total assets84.3285%3,582
Equity capital to assets11.4576%2,568
Core capital (leverage) ratio10.7252%2,634
Tier 1 risk-based capital ratio15.3150%2,881
Total risk-based capital ratio16.4580%2,865
Memoranda:
Average total assets$28,985,3307,645
Average earning assets$27,324,0007,584
Average equity$3,130,6707,690
Average total loans$15,464,6707,564
2009-03-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets5.6527%4,034
Cost of funding earning assets1.4746%6,489
Net interest margin4.1781%1,985
Noninterest income to average assets0.2182%6,730
Noninterest expense to average assets2.1272%7,058
Loan and lease loss provision to assets0.0000%6,744
Net operating income to assets1.4863%965
Return on assets (ROA)1.4863%1,036
Pretax return on assets2.0317%630
Return on Equity (ROE)14.1766%1,133
Retained earnings to average equity (ytd only)14.1766%503
Net charge-offs to loans0.0000%5,728
Credit loss provision to net charge-offsNANA
Earnings coverage of net charge-offs (x)NANA
Efficiency ratio51.1475%7,496
Assets per employee ($millions)3.6103%4,541
Cash dividends to net income (ytd only)*0.0000%2,832
Condition Ratios (%)
Loss allowance to loans2.6305%664
Loan loss allowance to noncurrent loans206.0109%1,616
Noncurrent assets plus other real estate owned to assets0.6336%5,588
Noncurrent loans to loans1.2769%4,427
Net loans and leases to total assets48.3173%6,998
Net loans and leases to deposits56.4089%7,142
Net loans and leases to core deposits57.9671%7,528
Total domestic deposits to total assets85.6554%2,897
Equity capital to assets10.9618%2,995
Core capital (leverage) ratio10.5048%2,920
Tier 1 risk-based capital ratio14.9471%3,094
Total risk-based capital ratio15.8916%3,166
Memoranda:
Average total assets$29,334,5007,673
Average earning assets$27,668,0007,623
Average equity$3,075,5007,757
Average total loans$15,434,5007,611
2008-12-31Rank
Percentage of unprofitable institutionsNANA
Percentage of insitutions with earnings gainsNANA
Performance Ratios (%, annualized)
Yield on earning assets6.1889%4,572
Cost of funding earning assets2.2308%5,456
Net interest margin3.9581%3,318
Noninterest income to average assets0.2820%6,447
Noninterest expense to average assets2.1115%7,208
Loan and lease loss provision to assets0.0000%7,334
Net operating income to assets1.3240%1,417
Return on assets (ROA)1.3240%1,368
Pretax return on assets1.8742%809
Return on Equity (ROE)13.5966%1,187
Retained earnings to average equity (ytd only)4.7676%2,171
Net charge-offs to loans0.0066%6,869
Credit loss provision to net charge-offs0.0000%6,652
Earnings coverage of net charge-offs (x)545.0000%104
Efficiency ratio52.9767%7,385
Assets per employee ($millions)3.7234%4,122
Cash dividends to net income (ytd only)*64.9351%2,417
Condition Ratios (%)
Loss allowance to loans2.2858%871
Loan loss allowance to noncurrent loans1,260.0000%424
Noncurrent assets plus other real estate owned to assets0.1007%7,178
Noncurrent loans to loans0.1814%6,844
Net loans and leases to total assets54.2485%6,630
Net loans and leases to deposits70.9039%6,182
Net loans and leases to core deposits74.6995%6,926
Total domestic deposits to total assets76.5099%6,117
Equity capital to assets10.0212%4,013
Core capital (leverage) ratio9.5189%3,993
Tier 1 risk-based capital ratio13.5406%3,801
Total risk-based capital ratio14.4107%3,932
Memoranda:
Average total assets$29,079,2007,680
Average earning assets$27,210,0007,657
Average equity$2,831,6007,887
Average total loans$15,227,4007,630