Home > Great American Bank > Performance and Condition Ratios
Great American Bank, Performance and Condition Ratios
| 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 | 6.4701% | 92 |
| Cost of funding earning assets | 0.6088% | 1,825 |
| Net interest margin | 5.8613% | 91 |
| Noninterest income to average assets | 1.3895% | 626 |
| Noninterest expense to average assets | 4.0905% | 684 |
| Loan and lease loss provision to assets | 0.0779% | 2,726 |
| Net operating income to assets | 2.0829% | 282 |
| Return on assets (ROA) | 2.0829% | 296 |
| Pretax return on assets | 2.1972% | 362 |
| Return on Equity (ROE) | 13.2321% | 1,116 |
| Retained earnings to average equity (ytd only) | -8.2000% | 6,378 |
| Net charge-offs to loans | 0.0800% | 2,890 |
| Credit loss provision to net charge-offs | 125.0000% | 1,659 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 1,125 |
| Efficiency ratio | 63.0763% | 4,844 |
| Assets per employee ($millions) | 3.7270% | 4,398 |
| Cash dividends to net income (ytd only)* | 161.9701% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8716% | 1,650 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1968% | 5,532 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 75.4977% | 1,233 |
| Net loans and leases to deposits | 98.2998% | 647 |
| Net loans and leases to core deposits | 120.2707% | 374 |
| Total domestic deposits to total assets | 76.8035% | 5,813 |
| Equity capital to assets | 15.2058% | 657 |
| Core capital (leverage) ratio | 10.6056% | 2,818 |
| Tier 1 risk-based capital ratio | 13.5078% | 4,572 |
| Total risk-based capital ratio | 14.7675% | 4,509 |
| Memoranda: | ||
| Average total assets | $77,008,000 | 5,225 |
| Average earning assets | $65,378,000 | 5,336 |
| Average equity | $12,122,000 | 4,371 |
| Average total loans | $60,026,670 | 4,551 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9312% | 71 |
| Cost of funding earning assets | 0.6211% | 1,802 |
| Net interest margin | 6.3101% | 71 |
| Noninterest income to average assets | 0.2828% | 5,108 |
| Noninterest expense to average assets | 3.9644% | 791 |
| Loan and lease loss provision to assets | 0.0786% | 2,578 |
| Net operating income to assets | 1.4768% | 852 |
| Return on assets (ROA) | 1.4768% | 879 |
| Pretax return on assets | 1.5606% | 1,262 |
| Return on Equity (ROE) | 9.2213% | 2,365 |
| Retained earnings to average equity (ytd only) | -10.8236% | 6,388 |
| Net charge-offs to loans | -0.0267% | 5,496 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4393% | 3,928 |
| Assets per employee ($millions) | 3.5977% | 4,726 |
| Cash dividends to net income (ytd only)* | 217.3759% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8550% | 1,885 |
| Loan loss allowance to noncurrent loans | 312.3288% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 1.3024% | 2,689 |
| Noncurrent loans to loans | 0.5939% | 4,380 |
| Net loans and leases to total assets | 79.8324% | 568 |
| Net loans and leases to deposits | 105.5454% | 245 |
| Net loans and leases to core deposits | 129.1569% | 195 |
| Total domestic deposits to total assets | 75.6380% | 6,105 |
| Equity capital to assets | 15.9784% | 532 |
| Core capital (leverage) ratio | 10.8963% | 2,492 |
| Tier 1 risk-based capital ratio | 13.4614% | 4,717 |
| Total risk-based capital ratio | 14.7202% | 4,648 |
| Memoranda: | ||
| Average total assets | $76,379,000 | 5,294 |
| Average earning assets | $64,404,500 | 5,427 |
| Average equity | $12,232,500 | 4,384 |
| Average total loans | $59,932,000 | 4,590 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9058% | 64 |
| Cost of funding earning assets | 0.7408% | 1,561 |
| Net interest margin | 6.1650% | 70 |
| Noninterest income to average assets | 0.4884% | 3,827 |
| Noninterest expense to average assets | 3.6725% | 1,330 |
| Loan and lease loss provision to assets | 0.1538% | 2,352 |
| Net operating income to assets | 1.6126% | 671 |
| Return on assets (ROA) | 1.6126% | 695 |
| Pretax return on assets | 1.6651% | 1,023 |
| Return on Equity (ROE) | 10.5810% | 1,899 |
| Retained earnings to average equity (ytd only) | 7.9400% | 1,074 |
| Net charge-offs to loans | -0.0018% | 5,841 |
| Credit loss provision to net charge-offs | -12,000.0000% | 6,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5462% | 4,644 |
| Assets per employee ($millions) | 4.0635% | 3,729 |
| Cash dividends to net income (ytd only)* | 24.9603% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9192% | 1,741 |
| Loan loss allowance to noncurrent loans | 239.0192% | 1,800 |
| Noncurrent assets plus other real estate owned to assets | 1.5608% | 2,382 |
| Noncurrent loans to loans | 0.8030% | 3,968 |
| Net loans and leases to total assets | 74.2015% | 1,311 |
| Net loans and leases to deposits | 97.6794% | 611 |
| Net loans and leases to core deposits | 117.2949% | 387 |
| Total domestic deposits to total assets | 75.9643% | 6,097 |
| Equity capital to assets | 16.0519% | 521 |
| Core capital (leverage) ratio | 11.0908% | 2,303 |
| Tier 1 risk-based capital ratio | 14.4015% | 4,015 |
| Total risk-based capital ratio | 15.6611% | 3,952 |
| Memoranda: | ||
| Average total assets | $78,011,200 | 5,281 |
| Average earning assets | $63,309,000 | 5,493 |
| Average equity | $11,889,200 | 4,461 |
| Average total loans | $56,222,200 | 4,744 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9491% | 64 |
| Cost of funding earning assets | 0.7674% | 1,496 |
| Net interest margin | 6.1817% | 66 |
| Noninterest income to average assets | 0.3137% | 5,197 |
| Noninterest expense to average assets | 3.4725% | 1,666 |
| Loan and lease loss provision to assets | 0.1534% | 2,349 |
| Net operating income to assets | 1.6110% | 736 |
| Return on assets (ROA) | 1.6110% | 779 |
| Pretax return on assets | 1.6587% | 1,188 |
| Return on Equity (ROE) | 10.7111% | 1,923 |
| Retained earnings to average equity (ytd only) | 7.4694% | 1,656 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3226% | 4,746 |
| Assets per employee ($millions) | 3.8726% | 4,089 |
| Cash dividends to net income (ytd only)* | 30.2642% | 2,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9364% | 1,896 |
| Loan loss allowance to noncurrent loans | 235.4212% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 2.1045% | 1,902 |
| Noncurrent loans to loans | 0.8225% | 4,191 |
| Net loans and leases to total assets | 71.2687% | 1,733 |
| Net loans and leases to deposits | 93.4388% | 868 |
| Net loans and leases to core deposits | 113.5385% | 464 |
| Total domestic deposits to total assets | 76.2730% | 6,141 |
| Equity capital to assets | 15.6394% | 609 |
| Core capital (leverage) ratio | 10.6594% | 2,831 |
| Tier 1 risk-based capital ratio | 14.3774% | 4,165 |
| Total risk-based capital ratio | 15.6370% | 4,113 |
| Memoranda: | ||
| Average total assets | $78,212,500 | 5,333 |
| Average earning assets | $62,893,500 | 5,567 |
| Average equity | $11,763,250 | 4,546 |
| Average total loans | $55,675,500 | 4,801 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8031% | 72 |
| Cost of funding earning assets | 0.7973% | 1,432 |
| Net interest margin | 6.0058% | 80 |
| Noninterest income to average assets | 0.3135% | 5,193 |
| Noninterest expense to average assets | 3.4053% | 1,810 |
| Loan and lease loss provision to assets | 0.1529% | 2,406 |
| Net operating income to assets | 1.4834% | 926 |
| Return on assets (ROA) | 1.4834% | 998 |
| Pretax return on assets | 1.5166% | 1,572 |
| Return on Equity (ROE) | 9.9943% | 2,199 |
| Retained earnings to average equity (ytd only) | 5.4951% | 2,744 |
| Net charge-offs to loans | 0.0108% | 4,659 |
| Credit loss provision to net charge-offs | 2,000.0000% | 156 |
| Earnings coverage of net charge-offs (x) | 218.3333% | 241 |
| Efficiency ratio | 65.6454% | 4,610 |
| Assets per employee ($millions) | 3.8783% | 4,052 |
| Cash dividends to net income (ytd only)* | 45.0172% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 2,134 |
| Loan loss allowance to noncurrent loans | 228.2937% | 1,780 |
| Noncurrent assets plus other real estate owned to assets | 2.1079% | 2,046 |
| Noncurrent loans to loans | 0.8287% | 4,260 |
| Net loans and leases to total assets | 70.6659% | 1,772 |
| Net loans and leases to deposits | 92.0653% | 957 |
| Net loans and leases to core deposits | 108.3284% | 638 |
| Total domestic deposits to total assets | 76.7563% | 6,162 |
| Equity capital to assets | 15.1937% | 674 |
| Core capital (leverage) ratio | 10.2727% | 3,134 |
| Tier 1 risk-based capital ratio | 13.8091% | 4,557 |
| Total risk-based capital ratio | 15.0676% | 4,517 |
| Memoranda: | ||
| Average total assets | $78,466,000 | 5,363 |
| Average earning assets | $62,206,670 | 5,618 |
| Average equity | $11,646,670 | 4,601 |
| Average total loans | $55,471,000 | 4,833 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8341% | 71 |
| Cost of funding earning assets | 0.8453% | 1,275 |
| Net interest margin | 5.9888% | 78 |
| Noninterest income to average assets | 0.2433% | 5,715 |
| Noninterest expense to average assets | 3.3250% | 2,024 |
| Loan and lease loss provision to assets | 0.1521% | 2,348 |
| Net operating income to assets | 1.3331% | 1,200 |
| Return on assets (ROA) | 1.3331% | 1,295 |
| Pretax return on assets | 1.3989% | 1,857 |
| Return on Equity (ROE) | 9.0866% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.1883% | 1,688 |
| Net charge-offs to loans | 0.0724% | 3,118 |
| Credit loss provision to net charge-offs | 300.0000% | 789 |
| Earnings coverage of net charge-offs (x) | 30.6000% | 953 |
| Efficiency ratio | 66.7360% | 4,532 |
| Assets per employee ($millions) | 3.9300% | 4,104 |
| Cash dividends to net income (ytd only)* | 9.8859% | 2,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8060% | 2,601 |
| Loan loss allowance to noncurrent loans | 205.6452% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 1.9211% | 2,446 |
| Noncurrent loans to loans | 0.8782% | 4,378 |
| Net loans and leases to total assets | 70.5560% | 1,571 |
| Net loans and leases to deposits | 91.4167% | 858 |
| Net loans and leases to core deposits | 107.1923% | 592 |
| Total domestic deposits to total assets | 77.1807% | 6,230 |
| Equity capital to assets | 14.8804% | 784 |
| Core capital (leverage) ratio | 10.0521% | 3,315 |
| Tier 1 risk-based capital ratio | 13.4189% | 4,924 |
| Total risk-based capital ratio | 14.6760% | 4,877 |
| Memoranda: | ||
| Average total assets | $78,916,500 | 5,389 |
| Average earning assets | $61,047,000 | 5,707 |
| Average equity | $11,577,500 | 4,656 |
| Average total loans | $55,272,000 | 4,878 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4920% | 58 |
| Cost of funding earning assets | 0.8864% | 2,018 |
| Net interest margin | 6.6057% | 60 |
| Noninterest income to average assets | 0.5493% | 3,587 |
| Noninterest expense to average assets | 3.5060% | 1,801 |
| Loan and lease loss provision to assets | 0.5281% | 1,099 |
| Net operating income to assets | 1.5582% | 816 |
| Return on assets (ROA) | 1.6364% | 783 |
| Pretax return on assets | 1.6984% | 1,142 |
| Return on Equity (ROE) | 9.0558% | 2,616 |
| Retained earnings to average equity (ytd only) | 7.9103% | 1,152 |
| Net charge-offs to loans | 0.0656% | 5,029 |
| Credit loss provision to net charge-offs | 1,117.2414% | 232 |
| Earnings coverage of net charge-offs (x) | 45.3793% | 723 |
| Efficiency ratio | 61.0903% | 5,373 |
| Assets per employee ($millions) | 3.9617% | 4,027 |
| Cash dividends to net income (ytd only)* | 12.6494% | 3,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8496% | 2,440 |
| Loan loss allowance to noncurrent loans | 287.3563% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 1.4830% | 3,163 |
| Noncurrent loans to loans | 0.6436% | 4,907 |
| Net loans and leases to total assets | 66.9759% | 2,368 |
| Net loans and leases to deposits | 86.3131% | 1,478 |
| Net loans and leases to core deposits | 99.9774% | 1,027 |
| Total domestic deposits to total assets | 77.5965% | 6,146 |
| Equity capital to assets | 14.4624% | 890 |
| Core capital (leverage) ratio | 10.9697% | 2,284 |
| Tier 1 risk-based capital ratio | 14.0682% | 4,330 |
| Total risk-based capital ratio | 15.3269% | 4,283 |
| Memoranda: | ||
| Average total assets | $61,352,600 | 5,888 |
| Average earning assets | $47,383,600 | 6,137 |
| Average equity | $11,086,800 | 4,746 |
| Average total loans | $44,186,000 | 5,320 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8149% | 52 |
| Cost of funding earning assets | 0.9043% | 2,145 |
| Net interest margin | 6.9106% | 53 |
| Noninterest income to average assets | 0.3352% | 5,122 |
| Noninterest expense to average assets | 3.5909% | 1,569 |
| Loan and lease loss provision to assets | 0.3516% | 1,853 |
| Net operating income to assets | 1.8517% | 518 |
| Return on assets (ROA) | 1.9666% | 461 |
| Pretax return on assets | 2.0088% | 692 |
| Return on Equity (ROE) | 10.1752% | 2,267 |
| Retained earnings to average equity (ytd only) | 8.8654% | 1,281 |
| Net charge-offs to loans | 0.0799% | 4,595 |
| Credit loss provision to net charge-offs | 600.0000% | 442 |
| Earnings coverage of net charge-offs (x) | 38.2829% | 915 |
| Efficiency ratio | 60.5464% | 5,402 |
| Assets per employee ($millions) | 3.9001% | 4,086 |
| Cash dividends to net income (ytd only)* | 12.8728% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8222% | 2,725 |
| Loan loss allowance to noncurrent loans | 357.7586% | 1,041 |
| Noncurrent assets plus other real estate owned to assets | 0.6923% | 4,958 |
| Noncurrent loans to loans | 0.5093% | 5,422 |
| Net loans and leases to total assets | 76.4414% | 904 |
| Net loans and leases to deposits | 109.3027% | 170 |
| Net loans and leases to core deposits | 137.7920% | 150 |
| Total domestic deposits to total assets | 69.9356% | 6,847 |
| Equity capital to assets | 19.3433% | 272 |
| Core capital (leverage) ratio | 12.8908% | 1,233 |
| Tier 1 risk-based capital ratio | 17.1926% | 2,656 |
| Total risk-based capital ratio | 18.4506% | 2,604 |
| Memoranda: | ||
| Average total assets | $56,882,500 | 6,070 |
| Average earning assets | $45,262,500 | 6,267 |
| Average equity | $10,993,750 | 4,805 |
| Average total loans | $41,715,750 | 5,493 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0653% | 48 |
| Cost of funding earning assets | 0.9165% | 2,282 |
| Net interest margin | 7.1488% | 50 |
| Noninterest income to average assets | 0.2698% | 5,648 |
| Noninterest expense to average assets | 3.5958% | 1,582 |
| Loan and lease loss provision to assets | 0.3550% | 1,861 |
| Net operating income to assets | 1.9719% | 411 |
| Return on assets (ROA) | 2.1476% | 346 |
| Pretax return on assets | 2.1724% | 513 |
| Return on Equity (ROE) | 11.1149% | 1,950 |
| Retained earnings to average equity (ytd only) | 9.5533% | 1,103 |
| Net charge-offs to loans | 0.2869% | 2,887 |
| Credit loss provision to net charge-offs | 172.4138% | 1,632 |
| Earnings coverage of net charge-offs (x) | 11.4138% | 1,965 |
| Efficiency ratio | 59.5224% | 5,650 |
| Assets per employee ($millions) | 3.9691% | 3,943 |
| Cash dividends to net income (ytd only)* | 14.0496% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6554% | 3,407 |
| Loan loss allowance to noncurrent loans | 321.9828% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 4,175 |
| Noncurrent loans to loans | 0.5141% | 5,500 |
| Net loans and leases to total assets | 74.5385% | 1,167 |
| Net loans and leases to deposits | 105.3534% | 242 |
| Net loans and leases to core deposits | 133.3674% | 190 |
| Total domestic deposits to total assets | 70.7510% | 6,867 |
| Equity capital to assets | 18.6539% | 296 |
| Core capital (leverage) ratio | 12.6505% | 1,294 |
| Tier 1 risk-based capital ratio | 16.5650% | 2,881 |
| Total risk-based capital ratio | 17.8226% | 2,838 |
| Memoranda: | ||
| Average total assets | $56,343,000 | 6,131 |
| Average earning assets | $44,734,670 | 6,325 |
| Average equity | $10,886,330 | 4,834 |
| Average total loans | $40,438,000 | 5,582 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1524% | 34 |
| Cost of funding earning assets | 0.9180% | 2,541 |
| Net interest margin | 8.2344% | 31 |
| Noninterest income to average assets | 0.2630% | 5,766 |
| Noninterest expense to average assets | 3.7628% | 1,273 |
| Loan and lease loss provision to assets | 0.5115% | 1,178 |
| Net operating income to assets | 2.5865% | 159 |
| Return on assets (ROA) | 2.5865% | 191 |
| Pretax return on assets | 2.6084% | 286 |
| Return on Equity (ROE) | 13.1397% | 1,372 |
| Retained earnings to average equity (ytd only) | 11.6179% | 900 |
| Net charge-offs to loans | 0.6405% | 1,523 |
| Credit loss provision to net charge-offs | 114.7541% | 2,061 |
| Earnings coverage of net charge-offs (x) | 7.0000% | 2,126 |
| Efficiency ratio | 53.8217% | 6,368 |
| Assets per employee ($millions) | 4.1468% | 3,694 |
| Cash dividends to net income (ytd only)* | 11.5819% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8425% | 2,867 |
| Loan loss allowance to noncurrent loans | 355.2239% | 938 |
| Noncurrent assets plus other real estate owned to assets | 1.1265% | 4,249 |
| Noncurrent loans to loans | 0.5187% | 5,631 |
| Net loans and leases to total assets | 65.5189% | 2,557 |
| Net loans and leases to deposits | 93.0728% | 722 |
| Net loans and leases to core deposits | 117.1090% | 357 |
| Total domestic deposits to total assets | 70.3953% | 6,962 |
| Equity capital to assets | 18.8235% | 294 |
| Core capital (leverage) ratio | 12.8196% | 1,198 |
| Tier 1 risk-based capital ratio | 18.5122% | 2,145 |
| Total risk-based capital ratio | 19.7703% | 2,108 |
| Memoranda: | ||
| Average total assets | $54,746,000 | 6,210 |
| Average earning assets | $44,010,500 | 6,399 |
| Average equity | $10,776,500 | 4,864 |
| Average total loans | $38,094,500 | 5,727 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3255% | 45 |
| Cost of funding earning assets | 1.2020% | 2,013 |
| Net interest margin | 7.1236% | 46 |
| Noninterest income to average assets | 0.2921% | 5,444 |
| Noninterest expense to average assets | 3.8618% | 1,237 |
| Loan and lease loss provision to assets | 0.2276% | 3,921 |
| Net operating income to assets | 1.3486% | 1,144 |
| Return on assets (ROA) | 1.3486% | 1,235 |
| Pretax return on assets | 1.4074% | 1,761 |
| Return on Equity (ROE) | 6.8850% | 3,448 |
| Retained earnings to average equity (ytd only) | 5.1904% | 2,512 |
| Net charge-offs to loans | 0.2777% | 4,037 |
| Credit loss provision to net charge-offs | 122.4490% | 2,582 |
| Earnings coverage of net charge-offs (x) | 8.7959% | 2,088 |
| Efficiency ratio | 69.1166% | 4,127 |
| Assets per employee ($millions) | 3.6741% | 4,604 |
| Cash dividends to net income (ytd only)* | 24.6132% | 3,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8804% | 2,629 |
| Loan loss allowance to noncurrent loans | 210.1493% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 1.4289% | 3,846 |
| Noncurrent loans to loans | 0.8948% | 4,895 |
| Net loans and leases to total assets | 71.4155% | 1,745 |
| Net loans and leases to deposits | 90.3488% | 1,122 |
| Net loans and leases to core deposits | 113.3556% | 526 |
| Total domestic deposits to total assets | 79.0443% | 5,990 |
| Equity capital to assets | 20.6563% | 199 |
| Core capital (leverage) ratio | 13.0784% | 1,110 |
| Tier 1 risk-based capital ratio | 18.6767% | 1,997 |
| Total risk-based capital ratio | 19.9109% | 1,969 |
| Memoranda: | ||
| Average total assets | $52,721,600 | 6,276 |
| Average earning assets | $38,520,000 | 6,578 |
| Average equity | $10,326,800 | 4,938 |
| Average total loans | $35,290,200 | 5,899 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3967% | 46 |
| Cost of funding earning assets | 1.3113% | 1,640 |
| Net interest margin | 7.0854% | 47 |
| Noninterest income to average assets | 0.2891% | 5,541 |
| Noninterest expense to average assets | 3.7252% | 1,443 |
| Loan and lease loss provision to assets | 0.2262% | 3,751 |
| Net operating income to assets | 1.2719% | 1,448 |
| Return on assets (ROA) | 1.2719% | 1,557 |
| Pretax return on assets | 1.3222% | 2,213 |
| Return on Equity (ROE) | 6.5805% | 3,727 |
| Retained earnings to average equity (ytd only) | 4.8899% | 3,248 |
| Net charge-offs to loans | 0.3338% | 3,420 |
| Credit loss provision to net charge-offs | 103.4483% | 3,221 |
| Earnings coverage of net charge-offs (x) | 7.0803% | 2,425 |
| Efficiency ratio | 69.4471% | 4,045 |
| Assets per employee ($millions) | 3.5543% | 4,870 |
| Cash dividends to net income (ytd only)* | 25.6918% | 2,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8914% | 2,639 |
| Loan loss allowance to noncurrent loans | 237.8472% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 1.0823% | 4,596 |
| Noncurrent loans to loans | 0.7952% | 5,284 |
| Net loans and leases to total assets | 66.6467% | 2,759 |
| Net loans and leases to deposits | 83.3322% | 2,123 |
| Net loans and leases to core deposits | 102.9436% | 1,042 |
| Total domestic deposits to total assets | 79.9771% | 5,747 |
| Equity capital to assets | 19.6252% | 270 |
| Core capital (leverage) ratio | 12.5981% | 1,390 |
| Tier 1 risk-based capital ratio | 18.7331% | 2,014 |
| Total risk-based capital ratio | 19.9928% | 1,975 |
| Memoranda: | ||
| Average total assets | $53,042,750 | 6,311 |
| Average earning assets | $37,315,250 | 6,688 |
| Average equity | $10,252,250 | 4,979 |
| Average total loans | $34,753,250 | 5,979 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6538% | 47 |
| Cost of funding earning assets | 1.3809% | 1,495 |
| Net interest margin | 7.2729% | 46 |
| Noninterest income to average assets | 0.2984% | 5,501 |
| Noninterest expense to average assets | 3.7694% | 1,398 |
| Loan and lease loss provision to assets | 0.2266% | 3,650 |
| Net operating income to assets | 1.3333% | 1,229 |
| Return on assets (ROA) | 1.3333% | 1,306 |
| Pretax return on assets | 1.3748% | 1,880 |
| Return on Equity (ROE) | 6.9338% | 3,476 |
| Retained earnings to average equity (ytd only) | 5.2445% | 2,846 |
| Net charge-offs to loans | 0.1459% | 4,315 |
| Credit loss provision to net charge-offs | 240.0000% | 1,261 |
| Earnings coverage of net charge-offs (x) | 16.9600% | 1,315 |
| Efficiency ratio | 69.0577% | 4,320 |
| Assets per employee ($millions) | 3.5590% | 4,785 |
| Cash dividends to net income (ytd only)* | 24.3626% | 2,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2462% | 1,828 |
| Loan loss allowance to noncurrent loans | 281.1765% | 1,120 |
| Noncurrent assets plus other real estate owned to assets | 1.0827% | 4,718 |
| Noncurrent loans to loans | 0.7988% | 5,319 |
| Net loans and leases to total assets | 58.4509% | 4,553 |
| Net loans and leases to deposits | 72.8130% | 3,980 |
| Net loans and leases to core deposits | 89.7260% | 2,410 |
| Total domestic deposits to total assets | 80.2754% | 5,747 |
| Equity capital to assets | 19.3444% | 296 |
| Core capital (leverage) ratio | 12.3324% | 1,437 |
| Tier 1 risk-based capital ratio | 21.3023% | 1,365 |
| Total risk-based capital ratio | 22.5664% | 1,347 |
| Memoranda: | ||
| Average total assets | $52,952,330 | 6,368 |
| Average earning assets | $36,931,670 | 6,766 |
| Average equity | $10,182,000 | 4,998 |
| Average total loans | $34,265,330 | 6,056 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0653% | 56 |
| Cost of funding earning assets | 1.3898% | 1,667 |
| Net interest margin | 6.6754% | 64 |
| Noninterest income to average assets | 0.3186% | 5,373 |
| Noninterest expense to average assets | 3.8076% | 1,328 |
| Loan and lease loss provision to assets | 0.2275% | 3,387 |
| Net operating income to assets | 1.0846% | 1,890 |
| Return on assets (ROA) | 1.0846% | 1,938 |
| Pretax return on assets | 1.0922% | 2,784 |
| Return on Equity (ROE) | 5.6580% | 4,082 |
| Retained earnings to average equity (ytd only) | 3.8775% | 3,842 |
| Net charge-offs to loans | 0.2145% | 3,229 |
| Credit loss provision to net charge-offs | 157.8947% | 1,817 |
| Earnings coverage of net charge-offs (x) | 9.1579% | 1,756 |
| Efficiency ratio | 73.0769% | 3,663 |
| Assets per employee ($millions) | 3.3492% | 5,363 |
| Cash dividends to net income (ytd only)* | 31.4685% | 1,956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9249% | 2,611 |
| Loan loss allowance to noncurrent loans | 244.0141% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 1.2503% | 4,444 |
| Noncurrent loans to loans | 0.7889% | 5,459 |
| Net loans and leases to total assets | 65.8891% | 3,039 |
| Net loans and leases to deposits | 81.6653% | 2,418 |
| Net loans and leases to core deposits | 100.3981% | 1,306 |
| Total domestic deposits to total assets | 80.6819% | 5,756 |
| Equity capital to assets | 18.9710% | 308 |
| Core capital (leverage) ratio | 12.0169% | 1,556 |
| Tier 1 risk-based capital ratio | 19.0216% | 1,795 |
| Total risk-based capital ratio | 20.2829% | 1,754 |
| Memoranda: | ||
| Average total assets | $52,736,000 | 6,427 |
| Average earning assets | $37,990,000 | 6,759 |
| Average equity | $10,109,500 | 5,021 |
| Average total loans | $35,437,500 | 6,055 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4716% | 39 |
| Cost of funding earning assets | 1.5981% | 2,080 |
| Net interest margin | 7.8735% | 38 |
| Noninterest income to average assets | 0.6390% | 3,218 |
| Noninterest expense to average assets | 4.2499% | 857 |
| Loan and lease loss provision to assets | 0.4138% | 3,622 |
| Net operating income to assets | 1.4936% | 773 |
| Return on assets (ROA) | 1.4936% | 834 |
| Pretax return on assets | 1.5514% | 1,247 |
| Return on Equity (ROE) | 7.9531% | 2,709 |
| Retained earnings to average equity (ytd only) | 6.6105% | 1,500 |
| Net charge-offs to loans | 0.3311% | 4,353 |
| Credit loss provision to net charge-offs | 197.2477% | 1,605 |
| Earnings coverage of net charge-offs (x) | 9.3670% | 1,834 |
| Efficiency ratio | 67.3583% | 4,692 |
| Assets per employee ($millions) | 3.2428% | 5,557 |
| Cash dividends to net income (ytd only)* | 16.8814% | 3,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9556% | 2,410 |
| Loan loss allowance to noncurrent loans | 238.4615% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 1.3318% | 4,360 |
| Noncurrent loans to loans | 0.8201% | 5,411 |
| Net loans and leases to total assets | 65.8996% | 3,487 |
| Net loans and leases to deposits | 82.0542% | 2,788 |
| Net loans and leases to core deposits | 96.0989% | 2,006 |
| Total domestic deposits to total assets | 80.3122% | 5,746 |
| Equity capital to assets | 19.3755% | 299 |
| Core capital (leverage) ratio | 11.5804% | 1,794 |
| Tier 1 risk-based capital ratio | 17.8433% | 2,049 |
| Total risk-based capital ratio | 19.1028% | 2,009 |
| Memoranda: | ||
| Average total assets | $51,954,200 | 6,464 |
| Average earning assets | $36,794,400 | 6,845 |
| Average equity | $9,757,200 | 5,196 |
| Average total loans | $32,922,600 | 6,260 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0813% | 45 |
| Cost of funding earning assets | 1.6309% | 2,209 |
| Net interest margin | 7.4504% | 44 |
| Noninterest income to average assets | 0.7312% | 2,633 |
| Noninterest expense to average assets | 4.1637% | 867 |
| Loan and lease loss provision to assets | 0.2309% | 4,763 |
| Net operating income to assets | 1.5213% | 881 |
| Return on assets (ROA) | 1.5213% | 963 |
| Pretax return on assets | 1.5752% | 1,408 |
| Return on Equity (ROE) | 8.1651% | 2,836 |
| Retained earnings to average equity (ytd only) | 6.9672% | 1,869 |
| Net charge-offs to loans | 0.2056% | 4,713 |
| Credit loss provision to net charge-offs | 180.0000% | 2,032 |
| Earnings coverage of net charge-offs (x) | 14.0789% | 1,541 |
| Efficiency ratio | 68.6721% | 4,340 |
| Assets per employee ($millions) | 3.2958% | 5,474 |
| Cash dividends to net income (ytd only)* | 14.6715% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7519% | 2,975 |
| Loan loss allowance to noncurrent loans | 205.3333% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 1.3692% | 4,429 |
| Noncurrent loans to loans | 0.8532% | 5,514 |
| Net loans and leases to total assets | 65.5093% | 3,796 |
| Net loans and leases to deposits | 81.0440% | 3,256 |
| Net loans and leases to core deposits | 88.0733% | 3,359 |
| Total domestic deposits to total assets | 80.8317% | 5,439 |
| Equity capital to assets | 18.8155% | 361 |
| Core capital (leverage) ratio | 11.6138% | 1,860 |
| Tier 1 risk-based capital ratio | 17.0600% | 2,321 |
| Total risk-based capital ratio | 18.3161% | 2,279 |
| Memoranda: | ||
| Average total assets | $51,971,500 | 6,543 |
| Average earning assets | $36,543,000 | 6,937 |
| Average equity | $9,683,250 | 5,294 |
| Average total loans | $32,434,750 | 6,370 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4319% | 41 |
| Cost of funding earning assets | 1.6815% | 2,214 |
| Net interest margin | 7.7504% | 42 |
| Noninterest income to average assets | 0.7966% | 2,134 |
| Noninterest expense to average assets | 4.2616% | 754 |
| Loan and lease loss provision to assets | 0.2320% | 4,595 |
| Net operating income to assets | 1.6358% | 670 |
| Return on assets (ROA) | 1.6358% | 718 |
| Pretax return on assets | 1.6861% | 1,081 |
| Return on Equity (ROE) | 8.8091% | 2,546 |
| Retained earnings to average equity (ytd only) | 7.8303% | 1,498 |
| Net charge-offs to loans | 0.3109% | 3,766 |
| Credit loss provision to net charge-offs | 122.4490% | 3,301 |
| Earnings coverage of net charge-offs (x) | 10.1224% | 1,934 |
| Efficiency ratio | 67.9599% | 4,592 |
| Assets per employee ($millions) | 2.9048% | 6,345 |
| Cash dividends to net income (ytd only)* | 11.1111% | 3,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8534% | 2,554 |
| Loan loss allowance to noncurrent loans | 139.4299% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 1.7327% | 3,850 |
| Noncurrent loans to loans | 1.3293% | 4,731 |
| Net loans and leases to total assets | 59.4488% | 5,166 |
| Net loans and leases to deposits | 73.4412% | 4,764 |
| Net loans and leases to core deposits | 78.8434% | 4,827 |
| Total domestic deposits to total assets | 80.9475% | 5,419 |
| Equity capital to assets | 18.7274% | 360 |
| Core capital (leverage) ratio | 11.6246% | 1,846 |
| Tier 1 risk-based capital ratio | 17.0094% | 2,276 |
| Total risk-based capital ratio | 18.2651% | 2,224 |
| Memoranda: | ||
| Average total assets | $51,717,670 | 6,594 |
| Average earning assets | $35,920,670 | 7,005 |
| Average equity | $9,603,670 | 5,315 |
| Average total loans | $31,526,000 | 6,458 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6969% | 47 |
| Cost of funding earning assets | 1.7425% | 2,169 |
| Net interest margin | 7.9544% | 47 |
| Noninterest income to average assets | 0.9021% | 1,615 |
| Noninterest expense to average assets | 4.3474% | 680 |
| Loan and lease loss provision to assets | 0.2333% | 4,171 |
| Net operating income to assets | 1.7654% | 536 |
| Return on assets (ROA) | 1.7654% | 586 |
| Pretax return on assets | 1.7887% | 896 |
| Return on Equity (ROE) | 9.5483% | 2,271 |
| Retained earnings to average equity (ytd only) | 9.5483% | 1,259 |
| Net charge-offs to loans | 0.2162% | 3,626 |
| Credit loss provision to net charge-offs | 176.4706% | 2,069 |
| Earnings coverage of net charge-offs (x) | 15.2941% | 1,390 |
| Efficiency ratio | 67.2772% | 4,858 |
| Assets per employee ($millions) | 2.8869% | 6,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8969% | 2,457 |
| Loan loss allowance to noncurrent loans | 100.1701% | 2,775 |
| Noncurrent assets plus other real estate owned to assets | 2.4651% | 2,943 |
| Noncurrent loans to loans | 1.8937% | 3,931 |
| Net loans and leases to total assets | 58.6183% | 5,331 |
| Net loans and leases to deposits | 72.2801% | 5,009 |
| Net loans and leases to core deposits | 78.1492% | 5,006 |
| Total domestic deposits to total assets | 81.0988% | 5,424 |
| Equity capital to assets | 18.5279% | 374 |
| Core capital (leverage) ratio | 11.4540% | 1,938 |
| Tier 1 risk-based capital ratio | 17.2807% | 2,160 |
| Total risk-based capital ratio | 18.5141% | 2,122 |
| Memoranda: | ||
| Average total assets | $51,433,000 | 6,682 |
| Average earning assets | $35,351,500 | 7,115 |
| Average equity | $9,509,500 | 5,377 |
| Average total loans | $31,453,500 | 6,547 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8999% | 321 |
| Cost of funding earning assets | 1.7582% | 4,208 |
| Net interest margin | 5.1417% | 333 |
| Noninterest income to average assets | 1.7223% | 487 |
| Noninterest expense to average assets | 3.7021% | 1,912 |
| Loan and lease loss provision to assets | 1.0531% | 2,180 |
| Net operating income to assets | 0.6529% | 3,128 |
| Return on assets (ROA) | 1.0460% | 1,724 |
| Pretax return on assets | 1.0858% | 2,289 |
| Return on Equity (ROE) | 5.3714% | 3,487 |
| Retained earnings to average equity (ytd only) | 5.3714% | 1,637 |
| Net charge-offs to loans | 0.0309% | 6,817 |
| Credit loss provision to net charge-offs | 6,428.5714% | 50 |
| Earnings coverage of net charge-offs (x) | 105.5714% | 265 |
| Efficiency ratio | 66.7385% | 5,240 |
| Assets per employee ($millions) | 2.5451% | 7,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8081% | 2,516 |
| Loan loss allowance to noncurrent loans | 82.9971% | 3,338 |
| Noncurrent assets plus other real estate owned to assets | 2.2337% | 3,089 |
| Noncurrent loans to loans | 2.1785% | 3,409 |
| Net loans and leases to total assets | 61.4546% | 5,118 |
| Net loans and leases to deposits | 75.6018% | 4,808 |
| Net loans and leases to core deposits | 90.1964% | 5,106 |
| Total domestic deposits to total assets | 81.2872% | 5,237 |
| Equity capital to assets | 18.4495% | 414 |
| Core capital (leverage) ratio | 10.5705% | 2,528 |
| Tier 1 risk-based capital ratio | 15.4192% | 2,748 |
| Total risk-based capital ratio | 16.6741% | 2,700 |
| Memoranda: | ||
| Average total assets | $42,732,400 | 7,002 |
| Average earning assets | $30,826,600 | 7,321 |
| Average equity | $8,321,800 | 5,828 |
| Average total loans | $22,675,600 | 7,045 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4010% | 4,944 |
| Cost of funding earning assets | 1.6777% | 5,019 |
| Net interest margin | 3.7233% | 3,977 |
| Noninterest income to average assets | 2.1167% | 332 |
| Noninterest expense to average assets | 3.2505% | 3,124 |
| Loan and lease loss provision to assets | 1.2124% | 1,602 |
| Net operating income to assets | 0.3736% | 4,498 |
| Return on assets (ROA) | 0.8094% | 2,840 |
| Pretax return on assets | 0.8094% | 3,509 |
| Return on Equity (ROE) | 4.0888% | 4,341 |
| Retained earnings to average equity (ytd only) | 4.0888% | 2,994 |
| Net charge-offs to loans | 0.0393% | 6,359 |
| Credit loss provision to net charge-offs | 6,166.6667% | 64 |
| Earnings coverage of net charge-offs (x) | 80.6650% | 418 |
| Efficiency ratio | 65.5149% | 5,452 |
| Assets per employee ($millions) | 2.9171% | 6,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6578% | 2,775 |
| Loan loss allowance to noncurrent loans | 117.2577% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 2.2435% | 3,044 |
| Noncurrent loans to loans | 1.4138% | 4,551 |
| Net loans and leases to total assets | 56.0363% | 6,135 |
| Net loans and leases to deposits | 68.3398% | 6,103 |
| Net loans and leases to core deposits | 80.1324% | 6,341 |
| Total domestic deposits to total assets | 81.9967% | 4,680 |
| Equity capital to assets | 17.5500% | 556 |
| Core capital (leverage) ratio | 12.0792% | 1,770 |
| Tier 1 risk-based capital ratio | 15.3665% | 2,882 |
| Total risk-based capital ratio | 16.6197% | 2,823 |
| Memoranda: | ||
| Average total assets | $40,690,250 | 7,115 |
| Average earning assets | $29,722,250 | 7,429 |
| Average equity | $8,054,500 | 5,964 |
| Average total loans | $20,380,250 | 7,237 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0421% | 6,641 |
| Cost of funding earning assets | 1.6063% | 5,720 |
| Net interest margin | 3.4359% | 5,043 |
| Noninterest income to average assets | 0.2939% | 6,155 |
| Noninterest expense to average assets | 3.0584% | 3,854 |
| Loan and lease loss provision to assets | 0.5442% | 2,847 |
| Net operating income to assets | -0.7129% | 6,767 |
| Return on assets (ROA) | 0.0109% | 5,882 |
| Pretax return on assets | 0.0109% | 5,845 |
| Return on Equity (ROE) | 0.0522% | 5,904 |
| Retained earnings to average equity (ytd only) | 0.0522% | 5,183 |
| Net charge-offs to loans | 0.0698% | 5,535 |
| Credit loss provision to net charge-offs | 1,666.6667% | 308 |
| Earnings coverage of net charge-offs (x) | -5.1667% | 6,460 |
| Efficiency ratio | 102.8249% | 1,064 |
| Assets per employee ($millions) | 3.9575% | 3,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0571% | 5,858 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 53.4529% | 6,518 |
| Net loans and leases to deposits | 69.3165% | 6,062 |
| Net loans and leases to core deposits | 78.9211% | 6,488 |
| Total domestic deposits to total assets | 77.1143% | 6,295 |
| Equity capital to assets | 22.6102% | 263 |
| Core capital (leverage) ratio | 14.2339% | 1,087 |
| Tier 1 risk-based capital ratio | 19.4134% | 1,699 |
| Total risk-based capital ratio | 20.3457% | 1,715 |
| Memoranda: | ||
| Average total assets | $36,751,330 | 7,351 |
| Average earning assets | $27,766,000 | 7,570 |
| Average equity | $7,667,670 | 6,127 |
| Average total loans | $17,200,670 | 7,474 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 6,185 |
| Cost of funding earning assets | 1.6095% | 5,993 |
| Net interest margin | 3.6214% | 4,234 |
| Noninterest income to average assets | 0.3282% | 5,824 |
| Noninterest expense to average assets | 2.9542% | 3,962 |
| Loan and lease loss provision to assets | 0.4528% | 2,659 |
| Net operating income to assets | -0.4301% | 6,813 |
| Return on assets (ROA) | 1.0753% | 2,181 |
| Pretax return on assets | 1.0753% | 3,082 |
| Return on Equity (ROE) | 5.4073% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.4073% | 2,899 |
| Net charge-offs to loans | -0.0529% | 7,710 |
| Credit loss provision to net charge-offs | -2,000.0000% | 6,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1977% | 1,309 |
| Assets per employee ($millions) | 3.6232% | 4,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 6,052 |
| Loan loss allowance to noncurrent loans | 2,900.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 7,584 |
| Noncurrent loans to loans | 0.0351% | 7,451 |
| Net loans and leases to total assets | 46.7101% | 7,134 |
| Net loans and leases to deposits | 58.1381% | 7,025 |
| Net loans and leases to core deposits | 65.1901% | 7,272 |
| Total domestic deposits to total assets | 80.3433% | 5,226 |
| Equity capital to assets | 19.4690% | 452 |
| Core capital (leverage) ratio | 9.0815% | 4,584 |
| Tier 1 risk-based capital ratio | 13.5121% | 3,854 |
| Total risk-based capital ratio | 14.3527% | 4,028 |
| Memoranda: | ||
| Average total assets | $35,339,500 | 7,431 |
| Average earning assets | $25,846,500 | 7,690 |
| Average equity | $7,027,500 | 6,396 |
| Average total loans | $15,111,000 | 7,628 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6012% | 8,279 |
| Cost of funding earning assets | 0.2793% | 8,226 |
| Net interest margin | 0.3219% | 8,277 |
| Noninterest income to average assets | 0.0693% | 7,802 |
| Noninterest expense to average assets | 0.4536% | 8,263 |
| Loan and lease loss provision to assets | 0.0819% | 6,363 |
| Net operating income to assets | -0.2042% | 6,624 |
| Return on assets (ROA) | -0.2042% | 6,472 |
| Pretax return on assets | -0.2042% | 6,375 |
| Return on Equity (ROE) | -1.0157% | 6,369 |
| Retained earnings to average equity (ytd only) | -202.8919% | 8,299 |
| Net charge-offs to loans | 0.0044% | 6,926 |
| Credit loss provision to net charge-offs | 2,833.3333% | 171 |
| Earnings coverage of net charge-offs (x) | -42.3333% | 6,977 |
| Efficiency ratio | 132.8488% | 442 |
| Assets per employee ($millions) | 3.4447% | 4,812 |
| Cash dividends to net income (ytd only)* | -19,875.4717% | 8,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 5,981 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 37.7159% | 7,766 |
| Net loans and leases to deposits | 47.4628% | 7,734 |
| Net loans and leases to core deposits | 61.2022% | 7,533 |
| Total domestic deposits to total assets | 79.4641% | 5,217 |
| Equity capital to assets | 20.3240% | 445 |
| Core capital (leverage) ratio | 8.7513% | 5,112 |
| Tier 1 risk-based capital ratio | 15.6082% | 2,813 |
| Total risk-based capital ratio | 16.3724% | 2,916 |
| Memoranda: | ||
| Average total assets | $103,839,800 | 4,937 |
| Average earning assets | $84,491,200 | 5,292 |
| Average equity | $20,872,200 | 3,112 |
| Average total loans | $68,161,200 | 4,939 |