Home > Fulton State Bank > Performance and Condition Ratios
Fulton State Bank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4825% | 5,036 |
| Cost of funding earning assets | 0.4541% | 2,677 |
| Net interest margin | 3.0284% | 5,155 |
| Noninterest income to average assets | 0.1753% | 5,648 |
| Noninterest expense to average assets | 1.9460% | 5,641 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7162% | 3,814 |
| Return on assets (ROA) | 0.7162% | 3,932 |
| Pretax return on assets | 1.0304% | 3,458 |
| Return on Equity (ROE) | 6.8081% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.8081% | 1,788 |
| Net charge-offs to loans | -0.0175% | 5,123 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3807% | 4,117 |
| Assets per employee ($millions) | 5.4448% | 1,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2128% | 721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 32.3977% | 5,953 |
| Net loans and leases to deposits | 38.3242% | 5,965 |
| Net loans and leases to core deposits | 40.1548% | 5,950 |
| Total domestic deposits to total assets | 84.5358% | 3,324 |
| Equity capital to assets | 10.6737% | 3,248 |
| Core capital (leverage) ratio | 10.7585% | 2,669 |
| Tier 1 risk-based capital ratio | 50.7606% | 140 |
| Total risk-based capital ratio | 52.0344% | 139 |
| Memoranda: | ||
| Average total assets | $66,186,670 | 5,295 |
| Average earning assets | $61,221,000 | 5,275 |
| Average equity | $6,962,330 | 5,368 |
| Average total loans | $22,874,670 | 5,747 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4999% | 4,963 |
| Cost of funding earning assets | 0.4529% | 2,743 |
| Net interest margin | 3.0471% | 5,084 |
| Noninterest income to average assets | 0.1621% | 5,764 |
| Noninterest expense to average assets | 2.1618% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5885% | 4,329 |
| Return on assets (ROA) | 0.5885% | 4,428 |
| Pretax return on assets | 0.8287% | 4,133 |
| Return on Equity (ROE) | 5.6350% | 4,213 |
| Retained earnings to average equity (ytd only) | 5.6350% | 2,691 |
| Net charge-offs to loans | -0.0170% | 4,966 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2892% | 3,122 |
| Assets per employee ($millions) | 5.4735% | 1,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0947% | 931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.0154% | 5,926 |
| Net loans and leases to deposits | 40.3650% | 5,902 |
| Net loans and leases to core deposits | 42.4591% | 5,892 |
| Total domestic deposits to total assets | 84.2697% | 3,708 |
| Equity capital to assets | 10.8112% | 3,183 |
| Core capital (leverage) ratio | 10.7199% | 2,726 |
| Tier 1 risk-based capital ratio | 44.8749% | 200 |
| Total risk-based capital ratio | 47.8956% | 171 |
| Memoranda: | ||
| Average total assets | $66,611,000 | 5,340 |
| Average earning assets | $61,830,000 | 5,305 |
| Average equity | $6,956,500 | 5,413 |
| Average total loans | $23,488,500 | 5,775 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8601% | 4,281 |
| Cost of funding earning assets | 0.4739% | 2,941 |
| Net interest margin | 3.3862% | 4,246 |
| Noninterest income to average assets | 0.2716% | 5,180 |
| Noninterest expense to average assets | 2.3151% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7634% | 3,549 |
| Return on assets (ROA) | 0.7589% | 3,678 |
| Pretax return on assets | 1.0785% | 3,172 |
| Return on Equity (ROE) | 7.3302% | 3,455 |
| Retained earnings to average equity (ytd only) | 5.0154% | 2,588 |
| Net charge-offs to loans | -0.0082% | 5,527 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0921% | 3,890 |
| Assets per employee ($millions) | 5.1954% | 2,080 |
| Cash dividends to net income (ytd only)* | 31.5789% | 3,307 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9787% | 1,147 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 35.0592% | 5,991 |
| Net loans and leases to deposits | 41.3224% | 5,991 |
| Net loans and leases to core deposits | 42.6856% | 6,007 |
| Total domestic deposits to total assets | 84.8431% | 3,350 |
| Equity capital to assets | 10.0859% | 4,001 |
| Core capital (leverage) ratio | 10.3174% | 3,145 |
| Tier 1 risk-based capital ratio | 16.8985% | 2,552 |
| Total risk-based capital ratio | 18.0945% | 2,523 |
| Memoranda: | ||
| Average total assets | $62,588,200 | 5,486 |
| Average earning assets | $57,822,200 | 5,463 |
| Average equity | $6,480,000 | 5,529 |
| Average total loans | $24,295,400 | 5,806 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9372% | 4,025 |
| Cost of funding earning assets | 0.4789% | 2,970 |
| Net interest margin | 3.4583% | 3,984 |
| Noninterest income to average assets | 0.2238% | 5,589 |
| Noninterest expense to average assets | 2.3428% | 4,984 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7538% | 3,651 |
| Return on assets (ROA) | 0.7476% | 3,773 |
| Pretax return on assets | 1.0584% | 3,348 |
| Return on Equity (ROE) | 7.1699% | 3,624 |
| Retained earnings to average equity (ytd only) | 7.1699% | 1,729 |
| Net charge-offs to loans | -0.0110% | 5,445 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7062% | 3,723 |
| Assets per employee ($millions) | 4.8742% | 2,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9072% | 1,438 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 38.7191% | 5,902 |
| Net loans and leases to deposits | 46.6807% | 5,835 |
| Net loans and leases to core deposits | 48.3514% | 5,870 |
| Total domestic deposits to total assets | 82.9446% | 4,165 |
| Equity capital to assets | 10.6448% | 3,374 |
| Core capital (leverage) ratio | 10.7220% | 2,794 |
| Tier 1 risk-based capital ratio | 17.3037% | 2,475 |
| Total risk-based capital ratio | 18.5223% | 2,450 |
| Memoranda: | ||
| Average total assets | $61,350,250 | 5,584 |
| Average earning assets | $56,520,000 | 5,561 |
| Average equity | $6,397,000 | 5,607 |
| Average total loans | $24,330,000 | 5,867 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9354% | 3,990 |
| Cost of funding earning assets | 0.4584% | 3,230 |
| Net interest margin | 3.4770% | 3,869 |
| Noninterest income to average assets | 0.2142% | 5,669 |
| Noninterest expense to average assets | 2.3270% | 5,090 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7845% | 3,405 |
| Return on assets (ROA) | 0.7845% | 3,505 |
| Pretax return on assets | 1.0877% | 3,144 |
| Return on Equity (ROE) | 7.5784% | 3,331 |
| Retained earnings to average equity (ytd only) | 7.5784% | 1,484 |
| Net charge-offs to loans | -0.0083% | 5,283 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1467% | 3,977 |
| Assets per employee ($millions) | 4.4696% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9684% | 1,419 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 37.8841% | 5,965 |
| Net loans and leases to deposits | 45.6341% | 5,901 |
| Net loans and leases to core deposits | 47.2872% | 5,941 |
| Total domestic deposits to total assets | 83.0172% | 4,303 |
| Equity capital to assets | 10.5841% | 3,334 |
| Core capital (leverage) ratio | 11.1404% | 2,299 |
| Tier 1 risk-based capital ratio | 15.7672% | 3,217 |
| Total risk-based capital ratio | 16.8929% | 3,217 |
| Memoranda: | ||
| Average total assets | $60,679,000 | 5,638 |
| Average earning assets | $55,852,330 | 5,629 |
| Average equity | $6,281,000 | 5,659 |
| Average total loans | $24,103,000 | 5,926 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3351% | 2,389 |
| Cost of funding earning assets | 0.4606% | 3,306 |
| Net interest margin | 3.8746% | 2,178 |
| Noninterest income to average assets | 0.2076% | 5,699 |
| Noninterest expense to average assets | 2.4376% | 4,819 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9361% | 2,477 |
| Return on assets (ROA) | 0.7032% | 3,751 |
| Pretax return on assets | 0.9911% | 3,357 |
| Return on Equity (ROE) | 6.8740% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.8740% | 2,103 |
| Net charge-offs to loans | -0.0166% | 5,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8841% | 4,712 |
| Assets per employee ($millions) | 4.2889% | 3,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9916% | 1,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 38.9291% | 5,879 |
| Net loans and leases to deposits | 44.5170% | 5,946 |
| Net loans and leases to core deposits | 46.1064% | 5,981 |
| Total domestic deposits to total assets | 87.4477% | 2,534 |
| Equity capital to assets | 10.4472% | 3,300 |
| Core capital (leverage) ratio | 11.0059% | 2,388 |
| Tier 1 risk-based capital ratio | 18.0114% | 2,290 |
| Total risk-based capital ratio | 19.2629% | 2,270 |
| Memoranda: | ||
| Average total assets | $59,731,000 | 5,720 |
| Average earning assets | $54,716,000 | 5,714 |
| Average equity | $6,110,000 | 5,724 |
| Average total loans | $24,063,500 | 5,981 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 3,812 |
| Cost of funding earning assets | 0.5627% | 2,996 |
| Net interest margin | 3.5186% | 3,814 |
| Noninterest income to average assets | 0.2580% | 5,502 |
| Noninterest expense to average assets | 2.3546% | 5,219 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7897% | 3,344 |
| Return on assets (ROA) | 0.7860% | 3,472 |
| Pretax return on assets | 1.1028% | 2,939 |
| Return on Equity (ROE) | 7.3725% | 3,369 |
| Retained earnings to average equity (ytd only) | 4.9367% | 2,643 |
| Net charge-offs to loans | -0.0210% | 6,152 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0000% | 4,200 |
| Assets per employee ($millions) | 4.2441% | 3,368 |
| Cash dividends to net income (ytd only)* | 33.0396% | 3,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9566% | 1,658 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 40.0592% | 5,956 |
| Net loans and leases to deposits | 45.5271% | 6,043 |
| Net loans and leases to core deposits | 47.1598% | 6,083 |
| Total domestic deposits to total assets | 87.9900% | 2,183 |
| Equity capital to assets | 10.0089% | 3,762 |
| Core capital (leverage) ratio | 11.0165% | 2,368 |
| Tier 1 risk-based capital ratio | 17.6490% | 2,359 |
| Total risk-based capital ratio | 18.9008% | 2,335 |
| Memoranda: | ||
| Average total assets | $57,760,400 | 5,814 |
| Average earning assets | $52,605,800 | 5,814 |
| Average equity | $6,158,000 | 5,773 |
| Average total loans | $23,792,200 | 6,043 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0513% | 3,933 |
| Cost of funding earning assets | 0.5795% | 3,000 |
| Net interest margin | 3.4718% | 4,006 |
| Noninterest income to average assets | 0.2744% | 5,480 |
| Noninterest expense to average assets | 2.3855% | 5,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7580% | 3,568 |
| Return on assets (ROA) | 0.7580% | 3,697 |
| Pretax return on assets | 1.0509% | 3,294 |
| Return on Equity (ROE) | 6.9985% | 3,649 |
| Retained earnings to average equity (ytd only) | 6.9985% | 1,873 |
| Net charge-offs to loans | -0.0451% | 6,279 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4181% | 3,850 |
| Assets per employee ($millions) | 4.0320% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9060% | 1,991 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 43.5817% | 5,767 |
| Net loans and leases to deposits | 51.1977% | 5,765 |
| Net loans and leases to core deposits | 53.1948% | 5,816 |
| Total domestic deposits to total assets | 85.1244% | 3,674 |
| Equity capital to assets | 10.8773% | 2,888 |
| Core capital (leverage) ratio | 11.4187% | 2,106 |
| Tier 1 risk-based capital ratio | 17.5375% | 2,494 |
| Total risk-based capital ratio | 18.7881% | 2,463 |
| Memoranda: | ||
| Average total assets | $57,346,250 | 5,893 |
| Average earning assets | $52,229,500 | 5,897 |
| Average equity | $6,210,750 | 5,834 |
| Average total loans | $23,671,000 | 6,106 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9433% | 4,311 |
| Cost of funding earning assets | 0.5873% | 3,059 |
| Net interest margin | 3.3560% | 4,355 |
| Noninterest income to average assets | 0.2810% | 5,440 |
| Noninterest expense to average assets | 2.3315% | 5,272 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7459% | 3,588 |
| Return on assets (ROA) | 0.7459% | 3,743 |
| Pretax return on assets | 1.0027% | 3,501 |
| Return on Equity (ROE) | 6.8973% | 3,665 |
| Retained earnings to average equity (ytd only) | 6.8973% | 1,932 |
| Net charge-offs to loans | -0.0603% | 6,332 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9272% | 3,842 |
| Assets per employee ($millions) | 4.0698% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9679% | 1,917 |
| Loan loss allowance to noncurrent loans | 1,987.5000% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0421% | 6,381 |
| Noncurrent loans to loans | 0.0990% | 6,101 |
| Net loans and leases to total assets | 41.7045% | 5,918 |
| Net loans and leases to deposits | 47.7197% | 5,998 |
| Net loans and leases to core deposits | 49.5135% | 6,050 |
| Total domestic deposits to total assets | 87.3949% | 2,593 |
| Equity capital to assets | 10.4569% | 3,360 |
| Core capital (leverage) ratio | 11.0991% | 2,265 |
| Tier 1 risk-based capital ratio | 17.6072% | 2,473 |
| Total risk-based capital ratio | 18.8569% | 2,441 |
| Memoranda: | ||
| Average total assets | $57,645,670 | 5,928 |
| Average earning assets | $52,443,670 | 5,923 |
| Average equity | $6,234,330 | 5,868 |
| Average total loans | $23,201,670 | 6,168 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8586% | 4,620 |
| Cost of funding earning assets | 0.6036% | 3,077 |
| Net interest margin | 3.2550% | 4,711 |
| Noninterest income to average assets | 0.2553% | 5,629 |
| Noninterest expense to average assets | 2.2973% | 5,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6554% | 3,929 |
| Return on assets (ROA) | 0.6554% | 4,085 |
| Pretax return on assets | 0.8969% | 3,777 |
| Return on Equity (ROE) | 5.9631% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.9631% | 2,696 |
| Net charge-offs to loans | -0.0176% | 5,663 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9222% | 3,630 |
| Assets per employee ($millions) | 4.4430% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1023% | 1,790 |
| Loan loss allowance to noncurrent loans | 1,884.0000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0433% | 6,472 |
| Noncurrent loans to loans | 0.1116% | 6,147 |
| Net loans and leases to total assets | 37.9733% | 6,150 |
| Net loans and leases to deposits | 43.1540% | 6,265 |
| Net loans and leases to core deposits | 45.1333% | 6,259 |
| Total domestic deposits to total assets | 87.9949% | 2,312 |
| Equity capital to assets | 11.0996% | 2,849 |
| Core capital (leverage) ratio | 10.6571% | 2,587 |
| Tier 1 risk-based capital ratio | 18.1307% | 2,306 |
| Total risk-based capital ratio | 19.3810% | 2,273 |
| Memoranda: | ||
| Average total assets | $57,980,000 | 5,964 |
| Average earning assets | $52,350,000 | 5,972 |
| Average equity | $6,372,500 | 5,893 |
| Average total loans | $22,683,000 | 6,244 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1071% | 4,929 |
| Cost of funding earning assets | 0.7207% | 3,319 |
| Net interest margin | 3.3864% | 4,934 |
| Noninterest income to average assets | 0.2824% | 5,449 |
| Noninterest expense to average assets | 2.3905% | 5,430 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6433% | 4,022 |
| Return on assets (ROA) | 0.8631% | 3,228 |
| Pretax return on assets | 1.2610% | 2,564 |
| Return on Equity (ROE) | 7.7922% | 3,189 |
| Retained earnings to average equity (ytd only) | 5.3872% | 2,453 |
| Net charge-offs to loans | -0.0909% | 6,808 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8250% | 3,449 |
| Assets per employee ($millions) | 4.4770% | 3,004 |
| Cash dividends to net income (ytd only)* | 30.8642% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0469% | 1,901 |
| Loan loss allowance to noncurrent loans | 1,740.7407% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0464% | 6,521 |
| Noncurrent loans to loans | 0.1176% | 6,187 |
| Net loans and leases to total assets | 38.6454% | 6,257 |
| Net loans and leases to deposits | 43.8560% | 6,377 |
| Net loans and leases to core deposits | 45.8487% | 6,382 |
| Total domestic deposits to total assets | 88.1188% | 2,157 |
| Equity capital to assets | 10.8830% | 3,084 |
| Core capital (leverage) ratio | 10.6363% | 2,613 |
| Tier 1 risk-based capital ratio | 17.5481% | 2,440 |
| Total risk-based capital ratio | 18.8001% | 2,404 |
| Memoranda: | ||
| Average total assets | $56,306,600 | 6,017 |
| Average earning assets | $50,643,800 | 6,026 |
| Average equity | $6,237,000 | 5,956 |
| Average total loans | $23,105,000 | 6,288 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1408% | 5,036 |
| Cost of funding earning assets | 0.7468% | 3,377 |
| Net interest margin | 3.3940% | 5,056 |
| Noninterest income to average assets | 0.2913% | 5,445 |
| Noninterest expense to average assets | 2.4071% | 5,375 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6757% | 4,023 |
| Return on assets (ROA) | 0.9886% | 2,792 |
| Pretax return on assets | 1.3683% | 2,350 |
| Return on Equity (ROE) | 8.8848% | 2,856 |
| Retained earnings to average equity (ytd only) | 8.8848% | 1,271 |
| Net charge-offs to loans | -0.1153% | 6,881 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0515% | 3,319 |
| Assets per employee ($millions) | 4.3160% | 3,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0428% | 2,054 |
| Loan loss allowance to noncurrent loans | 1,563.3333% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0535% | 6,620 |
| Noncurrent loans to loans | 0.1307% | 6,278 |
| Net loans and leases to total assets | 40.0834% | 6,275 |
| Net loans and leases to deposits | 45.9148% | 6,390 |
| Net loans and leases to core deposits | 47.9439% | 6,417 |
| Total domestic deposits to total assets | 87.2995% | 2,502 |
| Equity capital to assets | 11.5349% | 2,713 |
| Core capital (leverage) ratio | 11.0984% | 2,302 |
| Tier 1 risk-based capital ratio | 17.9431% | 2,373 |
| Total risk-based capital ratio | 19.1954% | 2,344 |
| Memoranda: | ||
| Average total assets | $55,833,000 | 6,096 |
| Average earning assets | $50,166,250 | 6,110 |
| Average equity | $6,212,750 | 6,032 |
| Average total loans | $23,140,750 | 6,373 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0945% | 5,334 |
| Cost of funding earning assets | 0.7622% | 3,500 |
| Net interest margin | 3.3322% | 5,341 |
| Noninterest income to average assets | 0.3014% | 5,394 |
| Noninterest expense to average assets | 2.4363% | 5,341 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6398% | 4,166 |
| Return on assets (ROA) | 1.1230% | 2,183 |
| Pretax return on assets | 1.5141% | 1,812 |
| Return on Equity (ROE) | 10.2182% | 2,273 |
| Retained earnings to average equity (ytd only) | 10.2182% | 915 |
| Net charge-offs to loans | -0.1638% | 6,965 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8847% | 3,094 |
| Assets per employee ($millions) | 4.3547% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9503% | 2,374 |
| Loan loss allowance to noncurrent loans | 1,373.5294% | 330 |
| Noncurrent assets plus other real estate owned to assets | 0.0601% | 6,661 |
| Noncurrent loans to loans | 0.1420% | 6,304 |
| Net loans and leases to total assets | 41.4725% | 6,235 |
| Net loans and leases to deposits | 47.1266% | 6,370 |
| Net loans and leases to core deposits | 49.1727% | 6,390 |
| Total domestic deposits to total assets | 88.0023% | 2,140 |
| Equity capital to assets | 11.0367% | 3,077 |
| Core capital (leverage) ratio | 10.7014% | 2,594 |
| Tier 1 risk-based capital ratio | 17.2114% | 2,584 |
| Total risk-based capital ratio | 18.4636% | 2,542 |
| Memoranda: | ||
| Average total assets | $55,741,330 | 6,141 |
| Average earning assets | $50,116,330 | 6,153 |
| Average equity | $6,126,330 | 6,082 |
| Average total loans | $23,201,330 | 6,407 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0850% | 5,509 |
| Cost of funding earning assets | 0.7815% | 3,616 |
| Net interest margin | 3.3035% | 5,464 |
| Noninterest income to average assets | 0.2893% | 5,557 |
| Noninterest expense to average assets | 2.3795% | 5,540 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6188% | 4,268 |
| Return on assets (ROA) | 0.9474% | 2,917 |
| Pretax return on assets | 1.3380% | 2,398 |
| Return on Equity (ROE) | 8.6390% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.6390% | 1,719 |
| Net charge-offs to loans | -0.2979% | 7,065 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1111% | 3,241 |
| Assets per employee ($millions) | 4.3679% | 3,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0314% | 2,265 |
| Loan loss allowance to noncurrent loans | 1,294.4444% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0634% | 6,730 |
| Noncurrent loans to loans | 0.1569% | 6,364 |
| Net loans and leases to total assets | 39.5787% | 6,380 |
| Net loans and leases to deposits | 44.8681% | 6,505 |
| Net loans and leases to core deposits | 46.9156% | 6,513 |
| Total domestic deposits to total assets | 88.2113% | 2,181 |
| Equity capital to assets | 10.7814% | 3,173 |
| Core capital (leverage) ratio | 10.5916% | 2,653 |
| Tier 1 risk-based capital ratio | 17.9746% | 2,302 |
| Total risk-based capital ratio | 19.2253% | 2,278 |
| Memoranda: | ||
| Average total assets | $55,306,500 | 6,196 |
| Average earning assets | $49,645,000 | 6,211 |
| Average equity | $6,065,500 | 6,129 |
| Average total loans | $22,829,500 | 6,474 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7025% | 4,237 |
| Cost of funding earning assets | 0.9819% | 3,497 |
| Net interest margin | 3.7206% | 4,208 |
| Noninterest income to average assets | 0.3280% | 5,195 |
| Noninterest expense to average assets | 2.6051% | 5,080 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7769% | 3,147 |
| Return on assets (ROA) | 0.9553% | 2,516 |
| Pretax return on assets | 1.2680% | 2,248 |
| Return on Equity (ROE) | 8.6636% | 2,603 |
| Retained earnings to average equity (ytd only) | 6.4890% | 1,740 |
| Net charge-offs to loans | 0.3283% | 3,747 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 7.0658% | 2,400 |
| Efficiency ratio | 71.6623% | 3,645 |
| Assets per employee ($millions) | 4.1408% | 3,569 |
| Cash dividends to net income (ytd only)* | 25.1004% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9763% | 2,350 |
| Loan loss allowance to noncurrent loans | 1,213.5135% | 339 |
| Noncurrent assets plus other real estate owned to assets | 0.0687% | 6,785 |
| Noncurrent loans to loans | 0.1629% | 6,430 |
| Net loans and leases to total assets | 41.3710% | 6,437 |
| Net loans and leases to deposits | 47.0427% | 6,563 |
| Net loans and leases to core deposits | 49.6389% | 6,547 |
| Total domestic deposits to total assets | 87.9435% | 2,199 |
| Equity capital to assets | 11.1629% | 2,833 |
| Core capital (leverage) ratio | 10.6232% | 2,595 |
| Tier 1 risk-based capital ratio | 17.8343% | 2,254 |
| Total risk-based capital ratio | 19.0850% | 2,227 |
| Memoranda: | ||
| Average total assets | $52,127,600 | 6,301 |
| Average earning assets | $46,336,800 | 6,322 |
| Average equity | $5,748,200 | 6,218 |
| Average total loans | $23,148,200 | 6,506 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 4,040 |
| Cost of funding earning assets | 1.0173% | 3,547 |
| Net interest margin | 3.7766% | 3,983 |
| Noninterest income to average assets | 0.3223% | 5,290 |
| Noninterest expense to average assets | 2.6123% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8064% | 3,127 |
| Return on assets (ROA) | 1.0573% | 2,256 |
| Pretax return on assets | 1.4003% | 1,944 |
| Return on Equity (ROE) | 9.6190% | 2,340 |
| Retained earnings to average equity (ytd only) | 9.6190% | 951 |
| Net charge-offs to loans | 0.1892% | 4,282 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 12.5755% | 1,691 |
| Efficiency ratio | 70.9384% | 3,753 |
| Assets per employee ($millions) | 4.1089% | 3,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1127% | 2,039 |
| Loan loss allowance to noncurrent loans | 656.0000% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 6,688 |
| Noncurrent loans to loans | 0.3221% | 6,207 |
| Net loans and leases to total assets | 42.6764% | 6,448 |
| Net loans and leases to deposits | 48.7532% | 6,582 |
| Net loans and leases to core deposits | 51.4687% | 6,597 |
| Total domestic deposits to total assets | 87.5356% | 2,336 |
| Equity capital to assets | 11.3505% | 2,816 |
| Core capital (leverage) ratio | 10.9958% | 2,394 |
| Tier 1 risk-based capital ratio | 17.7098% | 2,361 |
| Total risk-based capital ratio | 18.9622% | 2,324 |
| Memoranda: | ||
| Average total assets | $51,702,000 | 6,371 |
| Average earning assets | $46,001,000 | 6,384 |
| Average equity | $5,683,000 | 6,280 |
| Average total loans | $23,255,500 | 6,566 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 3,886 |
| Cost of funding earning assets | 1.0373% | 3,684 |
| Net interest margin | 3.8079% | 3,745 |
| Noninterest income to average assets | 0.3051% | 5,457 |
| Noninterest expense to average assets | 2.7107% | 4,777 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7563% | 3,258 |
| Return on assets (ROA) | 0.7236% | 3,541 |
| Pretax return on assets | 0.9544% | 3,413 |
| Return on Equity (ROE) | 6.6591% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.6591% | 2,043 |
| Net charge-offs to loans | 0.2925% | 3,414 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 7.5000% | 2,213 |
| Efficiency ratio | 73.1013% | 3,522 |
| Assets per employee ($millions) | 3.9835% | 3,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1514% | 2,009 |
| Loan loss allowance to noncurrent loans | 606.1728% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 6,703 |
| Noncurrent loans to loans | 0.3549% | 6,206 |
| Net loans and leases to total assets | 43.1225% | 6,511 |
| Net loans and leases to deposits | 49.0576% | 6,662 |
| Net loans and leases to core deposits | 51.8686% | 6,676 |
| Total domestic deposits to total assets | 87.9019% | 2,204 |
| Equity capital to assets | 11.2504% | 2,725 |
| Core capital (leverage) ratio | 10.9804% | 2,271 |
| Tier 1 risk-based capital ratio | 18.2932% | 2,075 |
| Total risk-based capital ratio | 19.5473% | 2,028 |
| Memoranda: | ||
| Average total assets | $51,130,670 | 6,445 |
| Average earning assets | $45,694,000 | 6,448 |
| Average equity | $5,556,330 | 6,354 |
| Average total loans | $23,244,670 | 6,630 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8139% | 3,997 |
| Cost of funding earning assets | 1.0737% | 3,700 |
| Net interest margin | 3.7402% | 3,892 |
| Noninterest income to average assets | 0.2598% | 5,812 |
| Noninterest expense to average assets | 2.5982% | 5,231 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.7598% | 3,224 |
| Return on assets (ROA) | 0.7244% | 3,469 |
| Pretax return on assets | 0.9606% | 3,284 |
| Return on Equity (ROE) | 6.7878% | 3,490 |
| Retained earnings to average equity (ytd only) | 6.7878% | 2,241 |
| Net charge-offs to loans | 0.5116% | 2,200 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 4.2667% | 2,527 |
| Efficiency ratio | 72.0524% | 3,853 |
| Assets per employee ($millions) | 3.9161% | 4,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1883% | 1,992 |
| Loan loss allowance to noncurrent loans | 562.5000% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.1729% | 6,728 |
| Noncurrent loans to loans | 0.3890% | 6,215 |
| Net loans and leases to total assets | 43.4599% | 6,513 |
| Net loans and leases to deposits | 49.1023% | 6,681 |
| Net loans and leases to core deposits | 51.9293% | 6,681 |
| Total domestic deposits to total assets | 88.5089% | 2,072 |
| Equity capital to assets | 10.7839% | 2,892 |
| Core capital (leverage) ratio | 10.7147% | 2,426 |
| Tier 1 risk-based capital ratio | 17.0442% | 2,452 |
| Total risk-based capital ratio | 18.2974% | 2,427 |
| Memoranda: | ||
| Average total assets | $50,803,500 | 6,507 |
| Average earning assets | $45,452,000 | 6,505 |
| Average equity | $5,421,500 | 6,411 |
| Average total loans | $23,456,000 | 6,671 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3768% | 2,779 |
| Cost of funding earning assets | 1.4084% | 3,208 |
| Net interest margin | 3.9684% | 3,162 |
| Noninterest income to average assets | 0.3567% | 5,259 |
| Noninterest expense to average assets | 2.7778% | 4,681 |
| Loan and lease loss provision to assets | 0.0246% | 6,876 |
| Net operating income to assets | 0.7909% | 2,846 |
| Return on assets (ROA) | 0.7606% | 3,078 |
| Pretax return on assets | 1.0312% | 2,835 |
| Return on Equity (ROE) | 6.8846% | 3,175 |
| Retained earnings to average equity (ytd only) | 4.1011% | 2,986 |
| Net charge-offs to loans | -0.0515% | 7,451 |
| Credit loss provision to net charge-offs | -92.3077% | 7,027 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6931% | 3,858 |
| Assets per employee ($millions) | 3.8998% | 4,004 |
| Cash dividends to net income (ytd only)* | 40.4313% | 2,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1612% | 1,944 |
| Loan loss allowance to noncurrent loans | 589.8876% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.1755% | 6,798 |
| Noncurrent loans to loans | 0.3664% | 6,325 |
| Net loans and leases to total assets | 46.8796% | 6,487 |
| Net loans and leases to deposits | 52.8062% | 6,685 |
| Net loans and leases to core deposits | 56.1801% | 6,684 |
| Total domestic deposits to total assets | 88.7767% | 1,780 |
| Equity capital to assets | 10.5586% | 3,094 |
| Core capital (leverage) ratio | 10.5561% | 2,501 |
| Tier 1 risk-based capital ratio | 16.2093% | 2,655 |
| Total risk-based capital ratio | 17.4633% | 2,610 |
| Memoranda: | ||
| Average total assets | $48,780,000 | 6,580 |
| Average earning assets | $43,241,600 | 6,608 |
| Average equity | $5,388,800 | 6,540 |
| Average total loans | $25,264,000 | 6,658 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4249% | 2,767 |
| Cost of funding earning assets | 1.4724% | 3,130 |
| Net interest margin | 3.9524% | 3,311 |
| Noninterest income to average assets | 0.3671% | 5,216 |
| Noninterest expense to average assets | 2.7880% | 4,541 |
| Loan and lease loss provision to assets | 0.0248% | 6,816 |
| Net operating income to assets | 0.8425% | 2,833 |
| Return on assets (ROA) | 0.8116% | 3,099 |
| Pretax return on assets | 1.0131% | 3,133 |
| Return on Equity (ROE) | 7.2621% | 3,223 |
| Retained earnings to average equity (ytd only) | 7.2621% | 1,717 |
| Net charge-offs to loans | -0.0627% | 7,494 |
| Credit loss provision to net charge-offs | -75.0000% | 6,894 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1429% | 3,665 |
| Assets per employee ($millions) | 3.5004% | 4,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0874% | 2,032 |
| Loan loss allowance to noncurrent loans | 566.3043% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.1877% | 6,894 |
| Noncurrent loans to loans | 0.3686% | 6,456 |
| Net loans and leases to total assets | 49.8674% | 6,339 |
| Net loans and leases to deposits | 56.8022% | 6,558 |
| Net loans and leases to core deposits | 59.3415% | 6,648 |
| Total domestic deposits to total assets | 87.7913% | 2,099 |
| Equity capital to assets | 11.4394% | 2,582 |
| Core capital (leverage) ratio | 11.3009% | 2,063 |
| Tier 1 risk-based capital ratio | 16.6480% | 2,485 |
| Total risk-based capital ratio | 17.9034% | 2,445 |
| Memoranda: | ||
| Average total assets | $48,300,500 | 6,676 |
| Average earning assets | $42,740,500 | 6,705 |
| Average equity | $5,397,750 | 6,625 |
| Average total loans | $25,507,000 | 6,726 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3299% | 3,319 |
| Cost of funding earning assets | 1.5215% | 3,124 |
| Net interest margin | 3.8084% | 3,860 |
| Noninterest income to average assets | 0.3329% | 5,496 |
| Noninterest expense to average assets | 2.7920% | 4,517 |
| Loan and lease loss provision to assets | 0.0250% | 6,688 |
| Net operating income to assets | 0.7631% | 3,137 |
| Return on assets (ROA) | 0.7282% | 3,434 |
| Pretax return on assets | 0.8696% | 3,626 |
| Return on Equity (ROE) | 6.5687% | 3,520 |
| Retained earnings to average equity (ytd only) | 6.5687% | 2,040 |
| Net charge-offs to loans | -0.0934% | 7,544 |
| Credit loss provision to net charge-offs | -50.0000% | 6,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8884% | 3,282 |
| Assets per employee ($millions) | 3.4254% | 5,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0570% | 2,057 |
| Loan loss allowance to noncurrent loans | 534.0206% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.2023% | 6,894 |
| Noncurrent loans to loans | 0.3852% | 6,471 |
| Net loans and leases to total assets | 51.4305% | 6,274 |
| Net loans and leases to deposits | 58.5927% | 6,533 |
| Net loans and leases to core deposits | 61.2725% | 6,614 |
| Total domestic deposits to total assets | 87.7763% | 2,122 |
| Equity capital to assets | 11.4814% | 2,461 |
| Core capital (leverage) ratio | 11.0781% | 2,180 |
| Tier 1 risk-based capital ratio | 16.2412% | 2,576 |
| Total risk-based capital ratio | 17.4964% | 2,528 |
| Memoranda: | ||
| Average total assets | $48,065,330 | 6,726 |
| Average earning assets | $42,852,670 | 6,746 |
| Average equity | $5,328,330 | 6,679 |
| Average total loans | $25,689,670 | 6,762 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3470% | 3,310 |
| Cost of funding earning assets | 1.5463% | 3,288 |
| Net interest margin | 3.8007% | 3,795 |
| Noninterest income to average assets | 0.3242% | 5,561 |
| Noninterest expense to average assets | 2.7099% | 4,861 |
| Loan and lease loss provision to assets | 0.0249% | 6,414 |
| Net operating income to assets | 0.7830% | 3,039 |
| Return on assets (ROA) | 0.7564% | 3,286 |
| Pretax return on assets | 0.9476% | 3,274 |
| Return on Equity (ROE) | 6.9472% | 3,369 |
| Retained earnings to average equity (ytd only) | 6.9472% | 2,156 |
| Net charge-offs to loans | 0.1388% | 4,108 |
| Credit loss provision to net charge-offs | 33.3333% | 4,762 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 1,495 |
| Efficiency ratio | 72.9306% | 3,771 |
| Assets per employee ($millions) | 3.4974% | 5,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9484% | 2,316 |
| Loan loss allowance to noncurrent loans | 218.5841% | 1,317 |
| Noncurrent assets plus other real estate owned to assets | 0.4616% | 6,318 |
| Noncurrent loans to loans | 0.8914% | 5,537 |
| Net loans and leases to total assets | 50.7730% | 6,394 |
| Net loans and leases to deposits | 57.3856% | 6,666 |
| Net loans and leases to core deposits | 59.9065% | 6,758 |
| Total domestic deposits to total assets | 88.4770% | 1,809 |
| Equity capital to assets | 10.8000% | 2,953 |
| Core capital (leverage) ratio | 10.8578% | 2,328 |
| Tier 1 risk-based capital ratio | 15.8969% | 2,691 |
| Total risk-based capital ratio | 17.1508% | 2,634 |
| Memoranda: | ||
| Average total assets | $48,120,000 | 6,798 |
| Average earning assets | $42,940,000 | 6,825 |
| Average equity | $5,239,500 | 6,765 |
| Average total loans | $25,943,500 | 6,827 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0437% | 1,695 |
| Cost of funding earning assets | 1.8123% | 3,926 |
| Net interest margin | 4.2313% | 1,970 |
| Noninterest income to average assets | 0.3855% | 5,331 |
| Noninterest expense to average assets | 3.0541% | 3,930 |
| Loan and lease loss provision to assets | 0.9306% | 2,419 |
| Net operating income to assets | 0.3193% | 4,455 |
| Return on assets (ROA) | 0.3056% | 4,595 |
| Pretax return on assets | 0.1733% | 5,066 |
| Return on Equity (ROE) | 2.5745% | 4,674 |
| Retained earnings to average equity (ytd only) | 2.5745% | 3,341 |
| Net charge-offs to loans | 0.2637% | 4,969 |
| Credit loss provision to net charge-offs | 566.6667% | 528 |
| Earnings coverage of net charge-offs (x) | 6.8056% | 2,284 |
| Efficiency ratio | 73.2094% | 4,052 |
| Assets per employee ($millions) | 3.3769% | 5,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8844% | 2,299 |
| Loan loss allowance to noncurrent loans | 92.5926% | 3,020 |
| Noncurrent assets plus other real estate owned to assets | 1.1422% | 4,810 |
| Noncurrent loans to loans | 2.0352% | 3,604 |
| Net loans and leases to total assets | 55.0648% | 6,075 |
| Net loans and leases to deposits | 62.4352% | 6,418 |
| Net loans and leases to core deposits | 74.5077% | 6,506 |
| Total domestic deposits to total assets | 88.1951% | 1,887 |
| Equity capital to assets | 10.9800% | 2,721 |
| Core capital (leverage) ratio | 11.8542% | 1,734 |
| Tier 1 risk-based capital ratio | 15.6189% | 2,666 |
| Total risk-based capital ratio | 16.8907% | 2,607 |
| Memoranda: | ||
| Average total assets | $43,842,400 | 6,950 |
| Average earning assets | $39,231,000 | 6,969 |
| Average equity | $5,204,800 | 6,870 |
| Average total loans | $27,299,600 | 6,784 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1432% | 1,512 |
| Cost of funding earning assets | 1.8655% | 4,071 |
| Net interest margin | 4.2777% | 1,788 |
| Noninterest income to average assets | 0.4188% | 5,142 |
| Noninterest expense to average assets | 3.0522% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9167% | 2,358 |
| Return on assets (ROA) | 0.9119% | 2,450 |
| Pretax return on assets | 1.1942% | 2,283 |
| Return on Equity (ROE) | 7.5263% | 2,853 |
| Retained earnings to average equity (ytd only) | 7.5263% | 1,304 |
| Net charge-offs to loans | -0.4171% | 8,018 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7724% | 4,286 |
| Assets per employee ($millions) | 3.1443% | 5,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8750% | 6,863 |
| Loan loss allowance to noncurrent loans | 33.7838% | 6,178 |
| Noncurrent assets plus other real estate owned to assets | 1.6811% | 3,856 |
| Noncurrent loans to loans | 2.5899% | 2,917 |
| Net loans and leases to total assets | 64.3389% | 4,792 |
| Net loans and leases to deposits | 74.4650% | 5,299 |
| Net loans and leases to core deposits | 89.6096% | 5,473 |
| Total domestic deposits to total assets | 86.4016% | 2,474 |
| Equity capital to assets | 12.2603% | 2,091 |
| Core capital (leverage) ratio | 12.2813% | 1,668 |
| Tier 1 risk-based capital ratio | 15.6873% | 2,744 |
| Total risk-based capital ratio | 16.4196% | 2,910 |
| Memoranda: | ||
| Average total assets | $42,983,750 | 7,042 |
| Average earning assets | $38,524,000 | 7,053 |
| Average equity | $5,208,250 | 6,934 |
| Average total loans | $27,491,250 | 6,828 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0681% | 1,905 |
| Cost of funding earning assets | 1.8920% | 4,305 |
| Net interest margin | 4.1761% | 2,070 |
| Noninterest income to average assets | 0.3987% | 5,302 |
| Noninterest expense to average assets | 3.0254% | 3,985 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8631% | 2,598 |
| Return on assets (ROA) | 0.8631% | 2,703 |
| Pretax return on assets | 1.1211% | 2,560 |
| Return on Equity (ROE) | 7.1521% | 3,133 |
| Retained earnings to average equity (ytd only) | 7.1521% | 1,525 |
| Net charge-offs to loans | 0.2801% | 3,793 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 6.2895% | 2,649 |
| Efficiency ratio | 72.9638% | 4,206 |
| Assets per employee ($millions) | 3.1246% | 5,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4426% | 7,854 |
| Loan loss allowance to noncurrent loans | 27.1552% | 6,687 |
| Noncurrent assets plus other real estate owned to assets | 1.0607% | 4,849 |
| Noncurrent loans to loans | 1.6297% | 4,053 |
| Net loans and leases to total assets | 64.7960% | 4,811 |
| Net loans and leases to deposits | 74.5882% | 5,364 |
| Net loans and leases to core deposits | 89.1633% | 5,615 |
| Total domestic deposits to total assets | 86.8716% | 2,321 |
| Equity capital to assets | 11.9831% | 2,217 |
| Core capital (leverage) ratio | 12.2541% | 1,718 |
| Tier 1 risk-based capital ratio | 15.3918% | 2,860 |
| Total risk-based capital ratio | 15.7615% | 3,182 |
| Memoranda: | ||
| Average total assets | $42,638,330 | 7,106 |
| Average earning assets | $38,265,670 | 7,121 |
| Average equity | $5,145,330 | 7,015 |
| Average total loans | $27,131,000 | 6,910 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0992% | 1,947 |
| Cost of funding earning assets | 1.9266% | 4,503 |
| Net interest margin | 4.1725% | 2,002 |
| Noninterest income to average assets | 0.3707% | 5,457 |
| Noninterest expense to average assets | 2.9179% | 4,093 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.8839% | 2,772 |
| Return on assets (ROA) | 0.8839% | 2,918 |
| Pretax return on assets | 1.1786% | 2,691 |
| Return on Equity (ROE) | 7.2984% | 3,470 |
| Retained earnings to average equity (ytd only) | 7.2984% | 2,100 |
| Net charge-offs to loans | 0.3326% | 2,763 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 5.6364% | 2,637 |
| Efficiency ratio | 71.2297% | 4,320 |
| Assets per employee ($millions) | 2.9894% | 6,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5278% | 7,781 |
| Loan loss allowance to noncurrent loans | 24.8252% | 6,918 |
| Noncurrent assets plus other real estate owned to assets | 1.3668% | 3,929 |
| Noncurrent loans to loans | 2.1262% | 3,081 |
| Net loans and leases to total assets | 63.9411% | 4,997 |
| Net loans and leases to deposits | 73.8370% | 5,498 |
| Net loans and leases to core deposits | 87.4110% | 5,794 |
| Total domestic deposits to total assets | 86.5977% | 2,406 |
| Equity capital to assets | 12.2841% | 2,084 |
| Core capital (leverage) ratio | 12.3031% | 1,759 |
| Tier 1 risk-based capital ratio | 15.9290% | 2,711 |
| Total risk-based capital ratio | 16.3679% | 2,952 |
| Memoranda: | ||
| Average total assets | $42,085,000 | 7,162 |
| Average earning assets | $37,579,000 | 7,196 |
| Average equity | $5,097,000 | 7,078 |
| Average total loans | $26,461,000 | 6,979 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7541% | 1,849 |
| Cost of funding earning assets | 2.5160% | 4,111 |
| Net interest margin | 4.2381% | 2,166 |
| Noninterest income to average assets | 0.4974% | 4,628 |
| Noninterest expense to average assets | 2.9164% | 4,392 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9567% | 2,757 |
| Return on assets (ROA) | 0.9584% | 2,623 |
| Pretax return on assets | 1.3393% | 2,171 |
| Return on Equity (ROE) | 8.0096% | 3,073 |
| Retained earnings to average equity (ytd only) | 5.9818% | 1,543 |
| Net charge-offs to loans | 0.8577% | 1,461 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 2.5392% | 4,805 |
| Efficiency ratio | 68.5682% | 4,620 |
| Assets per employee ($millions) | 3.0228% | 6,006 |
| Cash dividends to net income (ytd only)* | 25.3165% | 4,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6303% | 7,611 |
| Loan loss allowance to noncurrent loans | 2,050.0000% | 291 |
| Noncurrent assets plus other real estate owned to assets | 0.0189% | 7,525 |
| Noncurrent loans to loans | 0.0307% | 7,385 |
| Net loans and leases to total assets | 61.0979% | 5,754 |
| Net loans and leases to deposits | 70.0667% | 6,273 |
| Net loans and leases to core deposits | 81.1423% | 6,526 |
| Total domestic deposits to total assets | 87.1996% | 1,839 |
| Equity capital to assets | 11.9403% | 2,331 |
| Core capital (leverage) ratio | 12.2858% | 1,847 |
| Tier 1 risk-based capital ratio | 15.8833% | 2,712 |
| Total risk-based capital ratio | 16.3979% | 2,904 |
| Memoranda: | ||
| Average total assets | $41,214,600 | 7,158 |
| Average earning assets | $36,526,200 | 7,209 |
| Average equity | $4,931,600 | 7,170 |
| Average total loans | $25,301,600 | 7,009 |