Home > Greensburg State Bank > Performance and Condition Ratios
Greensburg State Bank, Performance and Condition Ratios
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8372% | 5,623 |
| Cost of funding earning assets | 0.1988% | 5,021 |
| Net interest margin | 2.6384% | 5,485 |
| Noninterest income to average assets | 0.1909% | 5,264 |
| Noninterest expense to average assets | 1.9916% | 5,208 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7297% | 3,641 |
| Return on assets (ROA) | 0.8531% | 3,163 |
| Pretax return on assets | 0.6318% | 4,704 |
| Return on Equity (ROE) | 4.4190% | 4,703 |
| Retained earnings to average equity (ytd only) | 3.5440% | 3,408 |
| Net charge-offs to loans | 0.2031% | 1,369 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 16.7222% | 2,092 |
| Efficiency ratio | 79.6622% | 1,459 |
| Assets per employee ($millions) | 6.6367% | 1,083 |
| Cash dividends to net income (ytd only)* | 19.8020% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,482 |
| Loan loss allowance to noncurrent loans | 156.4516% | 2,727 |
| Noncurrent assets plus other real estate owned to assets | 0.3516% | 3,877 |
| Noncurrent loans to loans | 0.7293% | 2,707 |
| Net loans and leases to total assets | 14.0700% | 5,850 |
| Net loans and leases to deposits | 17.3203% | 5,843 |
| Net loans and leases to core deposits | 17.5967% | 5,845 |
| Total domestic deposits to total assets | 81.2339% | 4,278 |
| Equity capital to assets | 18.6506% | 265 |
| Core capital (leverage) ratio | 20.3089% | 188 |
| Tier 1 risk-based capital ratio | 57.3575% | 99 |
| Total risk-based capital ratio | 57.8400% | 99 |
| Memoranda: | ||
| Average total assets | $59,198,400 | 5,158 |
| Average earning assets | $51,811,400 | 5,212 |
| Average equity | $11,427,800 | 4,349 |
| Average total loans | $8,862,400 | 5,789 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8826% | 5,663 |
| Cost of funding earning assets | 0.1959% | 5,116 |
| Net interest margin | 2.6866% | 5,507 |
| Noninterest income to average assets | 0.1964% | 5,288 |
| Noninterest expense to average assets | 1.8984% | 5,377 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9323% | 2,742 |
| Return on assets (ROA) | 1.0971% | 2,115 |
| Pretax return on assets | 0.8465% | 4,166 |
| Return on Equity (ROE) | 5.6347% | 4,255 |
| Retained earnings to average equity (ytd only) | 4.4753% | 3,155 |
| Net charge-offs to loans | 0.1489% | 1,505 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 30.2071% | 1,484 |
| Efficiency ratio | 73.5783% | 2,363 |
| Assets per employee ($millions) | 6.3078% | 1,227 |
| Cash dividends to net income (ytd only)* | 20.5763% | 3,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1956% | 3,267 |
| Loan loss allowance to noncurrent loans | 84.0000% | 3,959 |
| Noncurrent assets plus other real estate owned to assets | 0.3135% | 4,153 |
| Noncurrent loans to loans | 1.4234% | 1,526 |
| Net loans and leases to total assets | 15.2845% | 5,910 |
| Net loans and leases to deposits | 19.5037% | 5,905 |
| Net loans and leases to core deposits | 19.8431% | 5,901 |
| Total domestic deposits to total assets | 78.3671% | 4,843 |
| Equity capital to assets | 20.8420% | 202 |
| Core capital (leverage) ratio | 20.0498% | 200 |
| Tier 1 risk-based capital ratio | 60.9790% | 79 |
| Total risk-based capital ratio | 61.5352% | 82 |
| Memoranda: | ||
| Average total assets | $59,065,500 | 5,205 |
| Average earning assets | $52,406,000 | 5,244 |
| Average equity | $11,499,750 | 4,377 |
| Average total loans | $8,952,750 | 5,854 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9317% | 5,704 |
| Cost of funding earning assets | 0.1932% | 5,207 |
| Net interest margin | 2.7386% | 5,521 |
| Noninterest income to average assets | 0.2039% | 5,270 |
| Noninterest expense to average assets | 1.8586% | 5,523 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0663% | 2,099 |
| Return on assets (ROA) | 1.3104% | 1,340 |
| Pretax return on assets | 1.0062% | 3,557 |
| Return on Equity (ROE) | 6.8838% | 3,612 |
| Retained earnings to average equity (ytd only) | 5.1278% | 2,643 |
| Net charge-offs to loans | 0.1554% | 1,402 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 32.5714% | 1,332 |
| Efficiency ratio | 70.9184% | 2,843 |
| Assets per employee ($millions) | 6.4442% | 1,110 |
| Cash dividends to net income (ytd only)* | 25.5102% | 3,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2241% | 3,223 |
| Loan loss allowance to noncurrent loans | 93.9130% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.2897% | 4,335 |
| Noncurrent loans to loans | 1.3034% | 1,735 |
| Net loans and leases to total assets | 15.0264% | 5,986 |
| Net loans and leases to deposits | 19.0579% | 5,978 |
| Net loans and leases to core deposits | 19.3804% | 5,981 |
| Total domestic deposits to total assets | 78.8458% | 4,820 |
| Equity capital to assets | 20.3369% | 211 |
| Core capital (leverage) ratio | 19.4303% | 211 |
| Tier 1 risk-based capital ratio | 59.5215% | 91 |
| Total risk-based capital ratio | 60.0844% | 92 |
| Memoranda: | ||
| Average total assets | $59,830,670 | 5,244 |
| Average earning assets | $52,801,330 | 5,293 |
| Average equity | $11,389,000 | 4,425 |
| Average total loans | $9,009,670 | 5,925 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9316% | 5,749 |
| Cost of funding earning assets | 0.1944% | 5,253 |
| Net interest margin | 2.7371% | 5,559 |
| Noninterest income to average assets | 0.2370% | 5,046 |
| Noninterest expense to average assets | 1.8766% | 5,555 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3104% | 1,230 |
| Return on assets (ROA) | 1.3104% | 1,305 |
| Pretax return on assets | 0.7704% | 4,301 |
| Return on Equity (ROE) | 7.1160% | 3,394 |
| Retained earnings to average equity (ytd only) | 3.5401% | 3,724 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8955% | 2,966 |
| Assets per employee ($millions) | 6.4672% | 1,124 |
| Cash dividends to net income (ytd only)* | 50.2513% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 2,927 |
| Loan loss allowance to noncurrent loans | 66.8605% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 0.3866% | 4,040 |
| Noncurrent loans to loans | 1.9376% | 1,115 |
| Net loans and leases to total assets | 15.0537% | 6,038 |
| Net loans and leases to deposits | 18.8617% | 6,037 |
| Net loans and leases to core deposits | 19.1750% | 6,035 |
| Total domestic deposits to total assets | 79.8110% | 4,786 |
| Equity capital to assets | 19.5653% | 229 |
| Core capital (leverage) ratio | 18.5969% | 253 |
| Tier 1 risk-based capital ratio | 58.1735% | 94 |
| Total risk-based capital ratio | 58.7696% | 95 |
| Memoranda: | ||
| Average total assets | $60,747,000 | 5,277 |
| Average earning assets | $53,486,500 | 5,330 |
| Average equity | $11,186,000 | 4,470 |
| Average total loans | $9,103,000 | 5,980 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9357% | 5,788 |
| Cost of funding earning assets | 0.1809% | 5,447 |
| Net interest margin | 2.7548% | 5,588 |
| Noninterest income to average assets | 0.1640% | 5,599 |
| Noninterest expense to average assets | 1.7792% | 5,763 |
| Loan and lease loss provision to assets | 0.0325% | 3,715 |
| Net operating income to assets | 0.7209% | 3,705 |
| Return on assets (ROA) | 0.7435% | 3,699 |
| Pretax return on assets | 0.8506% | 4,020 |
| Return on Equity (ROE) | 4.2845% | 4,818 |
| Retained earnings to average equity (ytd only) | 2.8813% | 4,010 |
| Net charge-offs to loans | 0.5150% | 498 |
| Credit loss provision to net charge-offs | 45.4545% | 3,462 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,510 |
| Efficiency ratio | 67.4877% | 3,666 |
| Assets per employee ($millions) | 7.0321% | 877 |
| Cash dividends to net income (ytd only)* | 32.7511% | 3,217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 3,283 |
| Loan loss allowance to noncurrent loans | 54.2453% | 4,766 |
| Noncurrent assets plus other real estate owned to assets | 0.4187% | 3,923 |
| Noncurrent loans to loans | 2.2725% | 851 |
| Net loans and leases to total assets | 14.5586% | 6,109 |
| Net loans and leases to deposits | 17.7243% | 6,111 |
| Net loans and leases to core deposits | 17.9827% | 6,106 |
| Total domestic deposits to total assets | 82.1391% | 4,137 |
| Equity capital to assets | 17.3553% | 373 |
| Core capital (leverage) ratio | 18.8550% | 245 |
| Tier 1 risk-based capital ratio | 53.0292% | 112 |
| Total risk-based capital ratio | 53.5774% | 112 |
| Memoranda: | ||
| Average total assets | $61,602,200 | 5,281 |
| Average earning assets | $55,285,800 | 5,317 |
| Average equity | $10,689,800 | 4,538 |
| Average total loans | $8,544,400 | 6,045 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9033% | 5,892 |
| Cost of funding earning assets | 0.1813% | 5,540 |
| Net interest margin | 2.7220% | 5,699 |
| Noninterest income to average assets | 0.1613% | 5,680 |
| Noninterest expense to average assets | 1.6998% | 5,898 |
| Loan and lease loss provision to assets | 0.0436% | 3,348 |
| Net operating income to assets | 0.7357% | 3,744 |
| Return on assets (ROA) | 0.7410% | 3,818 |
| Pretax return on assets | 0.9109% | 3,948 |
| Return on Equity (ROE) | 4.2701% | 4,927 |
| Retained earnings to average equity (ytd only) | 2.3862% | 4,683 |
| Net charge-offs to loans | 0.7028% | 301 |
| Credit loss provision to net charge-offs | 45.4545% | 3,090 |
| Earnings coverage of net charge-offs (x) | 9.8856% | 2,650 |
| Efficiency ratio | 64.1975% | 4,209 |
| Assets per employee ($millions) | 6.5500% | 1,051 |
| Cash dividends to net income (ytd only)* | 44.1189% | 2,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 2,735 |
| Loan loss allowance to noncurrent loans | 83.3333% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 0.3240% | 4,471 |
| Noncurrent loans to loans | 1.6444% | 1,502 |
| Net loans and leases to total assets | 14.0407% | 6,199 |
| Net loans and leases to deposits | 17.4517% | 6,202 |
| Net loans and leases to core deposits | 17.7302% | 6,196 |
| Total domestic deposits to total assets | 80.4546% | 4,621 |
| Equity capital to assets | 18.4580% | 309 |
| Core capital (leverage) ratio | 18.2886% | 282 |
| Tier 1 risk-based capital ratio | 57.2060% | 101 |
| Total risk-based capital ratio | 57.8036% | 105 |
| Memoranda: | ||
| Average total assets | $61,180,500 | 5,358 |
| Average earning assets | $55,888,250 | 5,366 |
| Average equity | $10,616,250 | 4,601 |
| Average total loans | $8,348,250 | 6,135 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8957% | 5,947 |
| Cost of funding earning assets | 0.1792% | 5,621 |
| Net interest margin | 2.7166% | 5,746 |
| Noninterest income to average assets | 0.1615% | 5,738 |
| Noninterest expense to average assets | 1.6601% | 6,006 |
| Loan and lease loss provision to assets | 0.0646% | 2,824 |
| Net operating income to assets | 0.8946% | 2,908 |
| Return on assets (ROA) | 0.8946% | 3,036 |
| Pretax return on assets | 0.8850% | 4,010 |
| Return on Equity (ROE) | 5.2622% | 4,507 |
| Retained earnings to average equity (ytd only) | 2.4126% | 4,520 |
| Net charge-offs to loans | 1.1040% | 176 |
| Credit loss provision to net charge-offs | 43.4783% | 2,773 |
| Earnings coverage of net charge-offs (x) | 6.3913% | 2,790 |
| Efficiency ratio | 63.6139% | 4,411 |
| Assets per employee ($millions) | 6.6866% | 966 |
| Cash dividends to net income (ytd only)* | 54.1516% | 1,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3282% | 3,090 |
| Loan loss allowance to noncurrent loans | 56.2189% | 4,837 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 4,228 |
| Noncurrent loans to loans | 2.3625% | 989 |
| Net loans and leases to total assets | 13.9500% | 6,274 |
| Net loans and leases to deposits | 17.0377% | 6,275 |
| Net loans and leases to core deposits | 17.2993% | 6,270 |
| Total domestic deposits to total assets | 81.8774% | 4,331 |
| Equity capital to assets | 17.4014% | 385 |
| Core capital (leverage) ratio | 17.8555% | 299 |
| Tier 1 risk-based capital ratio | 53.9858% | 127 |
| Total risk-based capital ratio | 54.5432% | 126 |
| Memoranda: | ||
| Average total assets | $61,924,000 | 5,395 |
| Average earning assets | $55,806,000 | 5,416 |
| Average equity | $10,528,000 | 4,647 |
| Average total loans | $8,333,670 | 6,208 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8871% | 6,005 |
| Cost of funding earning assets | 0.1804% | 5,677 |
| Net interest margin | 2.7067% | 5,792 |
| Noninterest income to average assets | 0.1847% | 5,610 |
| Noninterest expense to average assets | 1.6434% | 6,066 |
| Loan and lease loss provision to assets | 0.1274% | 1,629 |
| Net operating income to assets | 0.7835% | 3,350 |
| Return on assets (ROA) | 0.7835% | 3,482 |
| Pretax return on assets | 0.8026% | 4,231 |
| Return on Equity (ROE) | 4.6609% | 4,682 |
| Retained earnings to average equity (ytd only) | -1.0231% | 5,559 |
| Net charge-offs to loans | 2.2312% | 76 |
| Credit loss provision to net charge-offs | 43.4783% | 2,159 |
| Earnings coverage of net charge-offs (x) | 3.1739% | 2,644 |
| Efficiency ratio | 63.8614% | 4,507 |
| Assets per employee ($millions) | 6.8832% | 901 |
| Cash dividends to net income (ytd only)* | 121.9512% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3605% | 3,098 |
| Loan loss allowance to noncurrent loans | 88.9764% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 4,806 |
| Noncurrent loans to loans | 1.5290% | 1,839 |
| Net loans and leases to total assets | 13.2254% | 6,343 |
| Net loans and leases to deposits | 16.0723% | 6,343 |
| Net loans and leases to core deposits | 16.3103% | 6,340 |
| Total domestic deposits to total assets | 82.2870% | 4,419 |
| Equity capital to assets | 17.3191% | 395 |
| Core capital (leverage) ratio | 16.9646% | 363 |
| Tier 1 risk-based capital ratio | 52.8821% | 135 |
| Total risk-based capital ratio | 53.4359% | 136 |
| Memoranda: | ||
| Average total assets | $62,796,500 | 5,432 |
| Average earning assets | $55,418,500 | 5,478 |
| Average equity | $10,556,000 | 4,686 |
| Average total loans | $8,246,500 | 6,275 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0694% | 5,992 |
| Cost of funding earning assets | 0.1993% | 5,752 |
| Net interest margin | 2.8702% | 5,696 |
| Noninterest income to average assets | 0.1743% | 5,814 |
| Noninterest expense to average assets | 1.8338% | 6,025 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9417% | 2,664 |
| Return on assets (ROA) | 0.9468% | 2,733 |
| Pretax return on assets | 0.9058% | 3,883 |
| Return on Equity (ROE) | 5.8424% | 4,233 |
| Retained earnings to average equity (ytd only) | 4.7878% | 2,769 |
| Net charge-offs to loans | 0.1930% | 2,121 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 32.9375% | 1,248 |
| Efficiency ratio | 67.0625% | 4,047 |
| Assets per employee ($millions) | 7.0716% | 816 |
| Cash dividends to net income (ytd only)* | 18.0505% | 3,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6978% | 1,778 |
| Loan loss allowance to noncurrent loans | 79.8851% | 4,232 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 4,634 |
| Noncurrent loans to loans | 2.1253% | 1,277 |
| Net loans and leases to total assets | 12.6453% | 6,438 |
| Net loans and leases to deposits | 15.1221% | 6,438 |
| Net loans and leases to core deposits | 15.3304% | 6,430 |
| Total domestic deposits to total assets | 83.6214% | 3,871 |
| Equity capital to assets | 16.3142% | 500 |
| Core capital (leverage) ratio | 18.4909% | 269 |
| Tier 1 risk-based capital ratio | 53.5760% | 116 |
| Total risk-based capital ratio | 54.2645% | 117 |
| Memoranda: | ||
| Average total assets | $58,513,400 | 5,583 |
| Average earning assets | $52,192,000 | 5,614 |
| Average equity | $9,482,400 | 4,868 |
| Average total loans | $8,289,400 | 6,358 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1142% | 6,010 |
| Cost of funding earning assets | 0.2042% | 5,786 |
| Net interest margin | 2.9100% | 5,680 |
| Noninterest income to average assets | 0.1747% | 5,871 |
| Noninterest expense to average assets | 1.7845% | 6,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8399% | 3,235 |
| Return on assets (ROA) | 0.8457% | 3,295 |
| Pretax return on assets | 1.0204% | 3,519 |
| Return on Equity (ROE) | 5.2282% | 4,611 |
| Retained earnings to average equity (ytd only) | 3.7879% | 3,958 |
| Net charge-offs to loans | 0.2565% | 1,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 27.1913% | 1,461 |
| Efficiency ratio | 63.7802% | 4,583 |
| Assets per employee ($millions) | 6.2206% | 1,187 |
| Cash dividends to net income (ytd only)* | 27.5481% | 2,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6957% | 1,985 |
| Loan loss allowance to noncurrent loans | 59.9138% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 4,500 |
| Noncurrent loans to loans | 2.8303% | 976 |
| Net loans and leases to total assets | 14.3931% | 6,507 |
| Net loans and leases to deposits | 17.4484% | 6,512 |
| Net loans and leases to core deposits | 17.8318% | 6,504 |
| Total domestic deposits to total assets | 82.4900% | 4,305 |
| Equity capital to assets | 17.4190% | 386 |
| Core capital (leverage) ratio | 18.6905% | 267 |
| Tier 1 risk-based capital ratio | 56.5731% | 107 |
| Total risk-based capital ratio | 57.3132% | 105 |
| Memoranda: | ||
| Average total assets | $57,230,750 | 5,686 |
| Average earning assets | $51,590,250 | 5,693 |
| Average equity | $9,257,250 | 4,952 |
| Average total loans | $8,315,000 | 6,432 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1281% | 6,029 |
| Cost of funding earning assets | 0.2067% | 5,859 |
| Net interest margin | 2.9213% | 5,699 |
| Noninterest income to average assets | 0.1700% | 5,934 |
| Noninterest expense to average assets | 1.7902% | 6,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8068% | 3,286 |
| Return on assets (ROA) | 0.8153% | 3,356 |
| Pretax return on assets | 0.9888% | 3,522 |
| Return on Equity (ROE) | 5.1692% | 4,595 |
| Retained earnings to average equity (ytd only) | 2.9695% | 4,315 |
| Net charge-offs to loans | 0.3830% | 1,051 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 17.6250% | 1,725 |
| Efficiency ratio | 64.6617% | 4,589 |
| Assets per employee ($millions) | 6.4030% | 1,062 |
| Cash dividends to net income (ytd only)* | 42.5532% | 2,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6332% | 2,352 |
| Loan loss allowance to noncurrent loans | 106.1069% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.2759% | 5,260 |
| Noncurrent loans to loans | 1.5392% | 2,252 |
| Net loans and leases to total assets | 14.5279% | 6,567 |
| Net loans and leases to deposits | 17.4504% | 6,572 |
| Net loans and leases to core deposits | 17.8188% | 6,566 |
| Total domestic deposits to total assets | 83.2526% | 4,211 |
| Equity capital to assets | 16.6016% | 467 |
| Core capital (leverage) ratio | 18.1407% | 289 |
| Tier 1 risk-based capital ratio | 53.9272% | 111 |
| Total risk-based capital ratio | 54.6412% | 113 |
| Memoranda: | ||
| Average total assets | $57,646,000 | 5,722 |
| Average earning assets | $51,277,670 | 5,746 |
| Average equity | $9,092,330 | 5,007 |
| Average total loans | $8,354,330 | 6,492 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1366% | 6,077 |
| Cost of funding earning assets | 0.2144% | 5,888 |
| Net interest margin | 2.9222% | 5,702 |
| Noninterest income to average assets | 0.1804% | 5,886 |
| Noninterest expense to average assets | 1.8177% | 6,200 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.7463% | 3,443 |
| Return on assets (ROA) | 0.7632% | 3,426 |
| Pretax return on assets | 0.9366% | 3,569 |
| Return on Equity (ROE) | 4.9689% | 4,565 |
| Retained earnings to average equity (ytd only) | 0.4517% | 5,402 |
| Net charge-offs to loans | 0.6283% | 590 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 10.1538% | 1,885 |
| Efficiency ratio | 66.4975% | 4,448 |
| Assets per employee ($millions) | 5.7279% | 1,510 |
| Cash dividends to net income (ytd only)* | 90.9091% | 800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6891% | 2,392 |
| Loan loss allowance to noncurrent loans | 93.4211% | 3,781 |
| Noncurrent assets plus other real estate owned to assets | 0.3143% | 5,209 |
| Noncurrent loans to loans | 1.8080% | 2,122 |
| Net loans and leases to total assets | 14.4294% | 6,638 |
| Net loans and leases to deposits | 17.2015% | 6,641 |
| Net loans and leases to core deposits | 17.5556% | 6,636 |
| Total domestic deposits to total assets | 83.8841% | 4,313 |
| Equity capital to assets | 15.9762% | 533 |
| Core capital (leverage) ratio | 17.8025% | 314 |
| Tier 1 risk-based capital ratio | 53.8270% | 113 |
| Total risk-based capital ratio | 54.5639% | 116 |
| Memoranda: | ||
| Average total assets | $57,655,500 | 5,775 |
| Average earning assets | $50,372,500 | 5,827 |
| Average equity | $8,855,000 | 5,093 |
| Average total loans | $8,276,000 | 6,565 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3299% | 5,951 |
| Cost of funding earning assets | 0.2270% | 6,125 |
| Net interest margin | 3.1030% | 5,304 |
| Noninterest income to average assets | 0.1873% | 5,966 |
| Noninterest expense to average assets | 1.7705% | 6,371 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8571% | 2,991 |
| Return on assets (ROA) | 1.1853% | 1,691 |
| Pretax return on assets | 1.6379% | 1,081 |
| Return on Equity (ROE) | 7.6381% | 3,226 |
| Retained earnings to average equity (ytd only) | 4.4333% | 3,019 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9663% | 5,475 |
| Assets per employee ($millions) | 5.8032% | 1,403 |
| Cash dividends to net income (ytd only)* | 41.9580% | 2,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9030% | 1,775 |
| Loan loss allowance to noncurrent loans | 134.7826% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.2464% | 5,529 |
| Noncurrent loans to loans | 1.4119% | 2,779 |
| Net loans and leases to total assets | 13.7683% | 6,729 |
| Net loans and leases to deposits | 16.1594% | 6,732 |
| Net loans and leases to core deposits | 16.4817% | 6,728 |
| Total domestic deposits to total assets | 85.2030% | 3,637 |
| Equity capital to assets | 14.7488% | 718 |
| Core capital (leverage) ratio | 19.0766% | 234 |
| Tier 1 risk-based capital ratio | 52.4975% | 115 |
| Total risk-based capital ratio | 53.2827% | 119 |
| Memoranda: | ||
| Average total assets | $60,322,600 | 5,744 |
| Average earning assets | $53,755,000 | 5,774 |
| Average equity | $9,361,000 | 5,005 |
| Average total loans | $8,320,600 | 6,636 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3857% | 5,910 |
| Cost of funding earning assets | 0.2302% | 6,226 |
| Net interest margin | 3.1555% | 5,129 |
| Noninterest income to average assets | 0.1927% | 6,020 |
| Noninterest expense to average assets | 1.6618% | 6,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1412% | 1,850 |
| Return on assets (ROA) | 1.4429% | 1,056 |
| Pretax return on assets | 1.7450% | 1,004 |
| Return on Equity (ROE) | 9.1894% | 2,545 |
| Retained earnings to average equity (ytd only) | 5.0060% | 3,083 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6043% | 6,049 |
| Assets per employee ($millions) | 5.5816% | 1,554 |
| Cash dividends to net income (ytd only)* | 45.5238% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9231% | 1,932 |
| Loan loss allowance to noncurrent loans | 298.0769% | 1,378 |
| Noncurrent assets plus other real estate owned to assets | 0.1433% | 6,016 |
| Noncurrent loans to loans | 0.6452% | 4,578 |
| Net loans and leases to total assets | 14.1626% | 6,808 |
| Net loans and leases to deposits | 17.0091% | 6,810 |
| Net loans and leases to core deposits | 17.3698% | 6,804 |
| Total domestic deposits to total assets | 83.2647% | 4,477 |
| Equity capital to assets | 15.1820% | 684 |
| Core capital (leverage) ratio | 18.0413% | 297 |
| Tier 1 risk-based capital ratio | 67.5913% | 76 |
| Total risk-based capital ratio | 68.6078% | 76 |
| Memoranda: | ||
| Average total assets | $60,895,250 | 5,797 |
| Average earning assets | $55,013,750 | 5,790 |
| Average equity | $9,561,500 | 5,018 |
| Average total loans | $8,364,500 | 6,710 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4460% | 5,800 |
| Cost of funding earning assets | 0.2309% | 6,302 |
| Net interest margin | 3.2151% | 4,892 |
| Noninterest income to average assets | 0.1981% | 6,017 |
| Noninterest expense to average assets | 1.6105% | 6,582 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2619% | 1,427 |
| Return on assets (ROA) | 1.7128% | 665 |
| Pretax return on assets | 2.0100% | 596 |
| Return on Equity (ROE) | 10.8021% | 1,884 |
| Retained earnings to average equity (ytd only) | 4.7561% | 3,219 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1200% | 6,271 |
| Assets per employee ($millions) | 5.8518% | 1,304 |
| Cash dividends to net income (ytd only)* | 55.9701% | 1,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8578% | 2,240 |
| Loan loss allowance to noncurrent loans | 378.0488% | 1,126 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 6,127 |
| Noncurrent loans to loans | 0.4914% | 5,032 |
| Net loans and leases to total assets | 13.9923% | 6,859 |
| Net loans and leases to deposits | 16.6545% | 6,863 |
| Net loans and leases to core deposits | 16.9876% | 6,859 |
| Total domestic deposits to total assets | 84.0152% | 4,309 |
| Equity capital to assets | 15.8874% | 541 |
| Core capital (leverage) ratio | 20.3379% | 177 |
| Tier 1 risk-based capital ratio | 65.7372% | 75 |
| Total risk-based capital ratio | 66.7377% | 75 |
| Memoranda: | ||
| Average total assets | $62,588,330 | 5,789 |
| Average earning assets | $56,297,000 | 5,790 |
| Average equity | $9,924,000 | 4,966 |
| Average total loans | $8,466,000 | 6,759 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5422% | 5,599 |
| Cost of funding earning assets | 0.2357% | 6,374 |
| Net interest margin | 3.3065% | 4,495 |
| Noninterest income to average assets | 0.2104% | 5,978 |
| Noninterest expense to average assets | 1.5969% | 6,670 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2875% | 1,314 |
| Return on assets (ROA) | 1.2875% | 1,416 |
| Pretax return on assets | 1.5660% | 1,390 |
| Return on Equity (ROE) | 8.1270% | 2,904 |
| Retained earnings to average equity (ytd only) | -3.5946% | 6,243 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4892% | 6,471 |
| Assets per employee ($millions) | 6.3721% | 1,038 |
| Cash dividends to net income (ytd only)* | 144.2308% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8328% | 2,509 |
| Loan loss allowance to noncurrent loans | 258.3333% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.0942% | 6,311 |
| Noncurrent loans to loans | 0.7095% | 4,706 |
| Net loans and leases to total assets | 13.0287% | 6,935 |
| Net loans and leases to deposits | 15.5973% | 6,941 |
| Net loans and leases to core deposits | 15.8841% | 6,935 |
| Total domestic deposits to total assets | 83.5313% | 4,656 |
| Equity capital to assets | 15.9068% | 571 |
| Core capital (leverage) ratio | 17.3012% | 329 |
| Tier 1 risk-based capital ratio | 65.7681% | 79 |
| Total risk-based capital ratio | 66.8023% | 79 |
| Memoranda: | ||
| Average total assets | $64,623,500 | 5,788 |
| Average earning assets | $57,704,500 | 5,806 |
| Average equity | $10,237,500 | 4,941 |
| Average total loans | $8,527,500 | 6,829 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8172% | 5,782 |
| Cost of funding earning assets | 0.3072% | 6,417 |
| Net interest margin | 3.5100% | 4,458 |
| Noninterest income to average assets | 0.1662% | 6,201 |
| Noninterest expense to average assets | 1.6584% | 6,756 |
| Loan and lease loss provision to assets | 0.0559% | 5,093 |
| Net operating income to assets | 1.1275% | 1,848 |
| Return on assets (ROA) | 1.2126% | 1,723 |
| Pretax return on assets | 1.6919% | 1,153 |
| Return on Equity (ROE) | 7.3246% | 3,451 |
| Retained earnings to average equity (ytd only) | -0.3957% | 5,921 |
| Net charge-offs to loans | 0.2901% | 3,201 |
| Credit loss provision to net charge-offs | 134.6154% | 2,076 |
| Earnings coverage of net charge-offs (x) | 39.2308% | 812 |
| Efficiency ratio | 50.4373% | 6,563 |
| Assets per employee ($millions) | 6.5526% | 981 |
| Cash dividends to net income (ytd only)* | 105.4018% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8027% | 2,575 |
| Loan loss allowance to noncurrent loans | 303.9216% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 0.0778% | 6,414 |
| Noncurrent loans to loans | 0.5932% | 5,044 |
| Net loans and leases to total assets | 12.8850% | 6,997 |
| Net loans and leases to deposits | 15.4100% | 6,998 |
| Net loans and leases to core deposits | 15.6703% | 6,991 |
| Total domestic deposits to total assets | 83.6141% | 4,492 |
| Equity capital to assets | 15.7785% | 594 |
| Core capital (leverage) ratio | 18.1348% | 275 |
| Tier 1 risk-based capital ratio | 48.7814% | 146 |
| Total risk-based capital ratio | 49.5415% | 144 |
| Memoranda: | ||
| Average total assets | $62,591,600 | 5,861 |
| Average earning assets | $55,669,800 | 5,872 |
| Average equity | $10,362,400 | 4,900 |
| Average total loans | $8,961,000 | 6,885 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 5,844 |
| Cost of funding earning assets | 0.3312% | 6,459 |
| Net interest margin | 3.5427% | 4,477 |
| Noninterest income to average assets | 0.1724% | 6,275 |
| Noninterest expense to average assets | 1.5972% | 6,877 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5716% | 912 |
| Return on assets (ROA) | 1.7136% | 736 |
| Pretax return on assets | 1.9162% | 843 |
| Return on Equity (ROE) | 10.2232% | 2,241 |
| Retained earnings to average equity (ytd only) | -0.0643% | 6,090 |
| Net charge-offs to loans | -0.0442% | 6,673 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6221% | 6,739 |
| Assets per employee ($millions) | 6.1581% | 1,152 |
| Cash dividends to net income (ytd only)* | 100.6293% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7468% | 2,976 |
| Loan loss allowance to noncurrent loans | 130.7018% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.1851% | 6,245 |
| Noncurrent loans to loans | 1.3365% | 3,797 |
| Net loans and leases to total assets | 13.6097% | 7,092 |
| Net loans and leases to deposits | 16.5003% | 7,097 |
| Net loans and leases to core deposits | 16.8003% | 7,091 |
| Total domestic deposits to total assets | 82.4816% | 4,842 |
| Equity capital to assets | 16.9728% | 462 |
| Core capital (leverage) ratio | 18.2276% | 287 |
| Tier 1 risk-based capital ratio | 51.0377% | 134 |
| Total risk-based capital ratio | 51.7994% | 138 |
| Memoranda: | ||
| Average total assets | $61,858,000 | 5,944 |
| Average earning assets | $55,549,750 | 5,948 |
| Average equity | $10,368,250 | 4,950 |
| Average total loans | $9,051,750 | 6,975 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 5,779 |
| Cost of funding earning assets | 0.3619% | 6,461 |
| Net interest margin | 3.5898% | 4,304 |
| Noninterest income to average assets | 0.1872% | 6,227 |
| Noninterest expense to average assets | 1.5981% | 6,925 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5851% | 857 |
| Return on assets (ROA) | 1.5851% | 962 |
| Pretax return on assets | 1.7595% | 1,113 |
| Return on Equity (ROE) | 9.4968% | 2,574 |
| Retained earnings to average equity (ytd only) | -5.9766% | 6,671 |
| Net charge-offs to loans | -0.0650% | 6,739 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.5962% | 6,800 |
| Assets per employee ($millions) | 6.1565% | 1,134 |
| Cash dividends to net income (ytd only)* | 162.9328% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 3,367 |
| Loan loss allowance to noncurrent loans | 286.5385% | 1,245 |
| Noncurrent assets plus other real estate owned to assets | 0.0845% | 6,598 |
| Noncurrent loans to loans | 0.5818% | 5,346 |
| Net loans and leases to total assets | 14.2760% | 7,152 |
| Net loans and leases to deposits | 17.3077% | 7,155 |
| Net loans and leases to core deposits | 17.6221% | 7,154 |
| Total domestic deposits to total assets | 82.4836% | 4,955 |
| Equity capital to assets | 16.7888% | 468 |
| Core capital (leverage) ratio | 16.8266% | 376 |
| Tier 1 risk-based capital ratio | 48.9409% | 137 |
| Total risk-based capital ratio | 49.6942% | 140 |
| Memoranda: | ||
| Average total assets | $61,950,330 | 5,981 |
| Average earning assets | $54,711,330 | 6,008 |
| Average equity | $10,340,330 | 4,955 |
| Average total loans | $9,225,670 | 7,027 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9909% | 5,791 |
| Cost of funding earning assets | 0.3797% | 6,506 |
| Net interest margin | 3.6112% | 4,217 |
| Noninterest income to average assets | 0.2124% | 6,103 |
| Noninterest expense to average assets | 1.6542% | 6,930 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5062% | 1,007 |
| Return on assets (ROA) | 1.5062% | 1,128 |
| Pretax return on assets | 1.6800% | 1,360 |
| Return on Equity (ROE) | 9.0500% | 2,803 |
| Retained earnings to average equity (ytd only) | -21.8903% | 7,069 |
| Net charge-offs to loans | -0.0427% | 6,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6139% | 6,697 |
| Assets per employee ($millions) | 6.2223% | 1,140 |
| Cash dividends to net income (ytd only)* | 341.8803% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5784% | 3,816 |
| Loan loss allowance to noncurrent loans | 127.8261% | 2,493 |
| Noncurrent assets plus other real estate owned to assets | 0.1848% | 6,418 |
| Noncurrent loans to loans | 1.2348% | 4,275 |
| Net loans and leases to total assets | 14.7309% | 7,204 |
| Net loans and leases to deposits | 17.7039% | 7,211 |
| Net loans and leases to core deposits | 18.1329% | 7,211 |
| Total domestic deposits to total assets | 83.2072% | 4,842 |
| Equity capital to assets | 16.1227% | 557 |
| Core capital (leverage) ratio | 15.9929% | 462 |
| Tier 1 risk-based capital ratio | 46.8599% | 144 |
| Total risk-based capital ratio | 47.5909% | 147 |
| Memoranda: | ||
| Average total assets | $62,143,000 | 6,005 |
| Average earning assets | $53,722,000 | 6,074 |
| Average equity | $10,342,500 | 4,959 |
| Average total loans | $9,369,500 | 7,088 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1946% | 6,067 |
| Cost of funding earning assets | 0.5193% | 6,457 |
| Net interest margin | 3.6753% | 4,411 |
| Noninterest income to average assets | 0.2205% | 5,951 |
| Noninterest expense to average assets | 1.7908% | 6,964 |
| Loan and lease loss provision to assets | 0.0807% | 5,608 |
| Net operating income to assets | 1.4412% | 941 |
| Return on assets (ROA) | 1.4412% | 1,022 |
| Pretax return on assets | 1.6223% | 1,157 |
| Return on Equity (ROE) | 7.8315% | 2,996 |
| Retained earnings to average equity (ytd only) | 5.3963% | 2,377 |
| Net charge-offs to loans | 0.5413% | 2,847 |
| Credit loss provision to net charge-offs | 84.9057% | 4,244 |
| Earnings coverage of net charge-offs (x) | 17.9245% | 1,242 |
| Efficiency ratio | 51.2571% | 6,755 |
| Assets per employee ($millions) | 6.2063% | 1,101 |
| Cash dividends to net income (ytd only)* | 31.0945% | 3,072 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5489% | 3,801 |
| Loan loss allowance to noncurrent loans | 205.6338% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.1144% | 6,671 |
| Noncurrent loans to loans | 0.7532% | 5,191 |
| Net loans and leases to total assets | 14.9525% | 7,262 |
| Net loans and leases to deposits | 18.1939% | 7,265 |
| Net loans and leases to core deposits | 18.6226% | 7,258 |
| Total domestic deposits to total assets | 82.1842% | 5,066 |
| Equity capital to assets | 17.1648% | 432 |
| Core capital (leverage) ratio | 18.2078% | 287 |
| Tier 1 risk-based capital ratio | 50.1003% | 133 |
| Total risk-based capital ratio | 50.8326% | 135 |
| Memoranda: | ||
| Average total assets | $55,786,200 | 6,171 |
| Average earning assets | $49,683,000 | 6,206 |
| Average equity | $10,266,200 | 4,952 |
| Average total loans | $9,790,600 | 7,123 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2313% | 6,134 |
| Cost of funding earning assets | 0.5598% | 6,474 |
| Net interest margin | 3.6715% | 4,461 |
| Noninterest income to average assets | 0.2238% | 6,012 |
| Noninterest expense to average assets | 1.7706% | 7,028 |
| Loan and lease loss provision to assets | 0.0369% | 5,977 |
| Net operating income to assets | 1.3476% | 1,273 |
| Return on assets (ROA) | 1.3476% | 1,362 |
| Pretax return on assets | 1.7386% | 1,066 |
| Return on Equity (ROE) | 7.1847% | 3,434 |
| Retained earnings to average equity (ytd only) | 3.9070% | 3,939 |
| Net charge-offs to loans | 0.0675% | 5,287 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 144.3238% | 263 |
| Efficiency ratio | 49.9307% | 6,833 |
| Assets per employee ($millions) | 5.5200% | 1,579 |
| Cash dividends to net income (ytd only)* | 45.6210% | 1,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7373% | 3,143 |
| Loan loss allowance to noncurrent loans | 105.8065% | 2,823 |
| Noncurrent assets plus other real estate owned to assets | 0.3913% | 6,093 |
| Noncurrent loans to loans | 1.6419% | 3,828 |
| Net loans and leases to total assets | 16.8043% | 7,323 |
| Net loans and leases to deposits | 20.9897% | 7,320 |
| Net loans and leases to core deposits | 21.6562% | 7,317 |
| Total domestic deposits to total assets | 80.0598% | 5,715 |
| Equity capital to assets | 19.0725% | 314 |
| Core capital (leverage) ratio | 18.5568% | 283 |
| Tier 1 risk-based capital ratio | 52.6741% | 137 |
| Total risk-based capital ratio | 53.5574% | 138 |
| Memoranda: | ||
| Average total assets | $54,217,000 | 6,275 |
| Average earning assets | $49,061,250 | 6,285 |
| Average equity | $10,169,500 | 4,992 |
| Average total loans | $9,881,750 | 7,192 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2689% | 6,112 |
| Cost of funding earning assets | 0.5640% | 6,614 |
| Net interest margin | 3.7049% | 4,242 |
| Noninterest income to average assets | 0.2375% | 5,955 |
| Noninterest expense to average assets | 1.8557% | 7,004 |
| Loan and lease loss provision to assets | 0.0557% | 5,622 |
| Net operating income to assets | 1.2730% | 1,388 |
| Return on assets (ROA) | 1.2730% | 1,455 |
| Pretax return on assets | 1.6664% | 1,119 |
| Return on Equity (ROE) | 6.8259% | 3,517 |
| Retained earnings to average equity (ytd only) | 1.8507% | 5,059 |
| Net charge-offs to loans | 0.1396% | 4,357 |
| Credit loss provision to net charge-offs | 214.2857% | 1,393 |
| Earnings coverage of net charge-offs (x) | 66.2857% | 495 |
| Efficiency ratio | 51.8672% | 6,798 |
| Assets per employee ($millions) | 5.4197% | 1,638 |
| Cash dividends to net income (ytd only)* | 72.8863% | 966 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6831% | 3,380 |
| Loan loss allowance to noncurrent loans | 50.1548% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 0.5960% | 5,729 |
| Noncurrent loans to loans | 3.3558% | 2,122 |
| Net loans and leases to total assets | 17.4604% | 7,395 |
| Net loans and leases to deposits | 21.7206% | 7,395 |
| Net loans and leases to core deposits | 22.4205% | 7,390 |
| Total domestic deposits to total assets | 80.3864% | 5,717 |
| Equity capital to assets | 18.8331% | 327 |
| Core capital (leverage) ratio | 18.6377% | 291 |
| Tier 1 risk-based capital ratio | 52.0128% | 141 |
| Total risk-based capital ratio | 52.8929% | 141 |
| Memoranda: | ||
| Average total assets | $53,889,330 | 6,334 |
| Average earning assets | $48,584,330 | 6,351 |
| Average equity | $10,050,000 | 5,039 |
| Average total loans | $10,029,000 | 7,258 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2953% | 6,029 |
| Cost of funding earning assets | 0.5628% | 6,756 |
| Net interest margin | 3.7326% | 3,934 |
| Noninterest income to average assets | 0.2605% | 5,803 |
| Noninterest expense to average assets | 1.8089% | 7,125 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4143% | 1,039 |
| Return on assets (ROA) | 1.4143% | 1,076 |
| Pretax return on assets | 1.8089% | 801 |
| Return on Equity (ROE) | 7.6217% | 3,088 |
| Retained earnings to average equity (ytd only) | -2.4069% | 6,208 |
| Net charge-offs to loans | 0.2737% | 2,975 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 34.7143% | 748 |
| Efficiency ratio | 50.0000% | 6,980 |
| Assets per employee ($millions) | 5.2208% | 1,869 |
| Cash dividends to net income (ytd only)* | 131.5789% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 4,490 |
| Loan loss allowance to noncurrent loans | 226.1538% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.1245% | 6,856 |
| Noncurrent loans to loans | 0.6358% | 5,766 |
| Net loans and leases to total assets | 19.3016% | 7,430 |
| Net loans and leases to deposits | 24.0748% | 7,435 |
| Net loans and leases to core deposits | 24.8803% | 7,430 |
| Total domestic deposits to total assets | 80.1735% | 5,898 |
| Equity capital to assets | 19.0373% | 304 |
| Core capital (leverage) ratio | 18.4579% | 305 |
| Tier 1 risk-based capital ratio | 50.7023% | 142 |
| Total risk-based capital ratio | 51.4933% | 143 |
| Memoranda: | ||
| Average total assets | $53,735,500 | 6,381 |
| Average earning assets | $48,331,500 | 6,399 |
| Average equity | $9,971,500 | 5,055 |
| Average total loans | $10,231,000 | 7,311 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 6,662 |
| Cost of funding earning assets | 0.6803% | 6,929 |
| Net interest margin | 3.6953% | 4,369 |
| Noninterest income to average assets | 0.2310% | 6,150 |
| Noninterest expense to average assets | 1.7863% | 7,278 |
| Loan and lease loss provision to assets | 0.0546% | 6,599 |
| Net operating income to assets | 1.3819% | 982 |
| Return on assets (ROA) | 1.4225% | 969 |
| Pretax return on assets | 1.8518% | 682 |
| Return on Equity (ROE) | 7.9580% | 2,707 |
| Retained earnings to average equity (ytd only) | 5.4139% | 2,168 |
| Net charge-offs to loans | 0.4551% | 3,799 |
| Credit loss provision to net charge-offs | 61.2245% | 6,064 |
| Earnings coverage of net charge-offs (x) | 20.7959% | 985 |
| Efficiency ratio | 49.0755% | 7,198 |
| Assets per employee ($millions) | 5.5263% | 1,552 |
| Cash dividends to net income (ytd only)* | 31.9693% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,982 |
| Loan loss allowance to noncurrent loans | 50.0000% | 4,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5573% | 5,912 |
| Noncurrent loans to loans | 3.0084% | 2,544 |
| Net loans and leases to total assets | 18.2473% | 7,535 |
| Net loans and leases to deposits | 22.4538% | 7,539 |
| Net loans and leases to core deposits | 23.3081% | 7,534 |
| Total domestic deposits to total assets | 81.2659% | 5,433 |
| Equity capital to assets | 18.1025% | 369 |
| Core capital (leverage) ratio | 18.2329% | 319 |
| Tier 1 risk-based capital ratio | 48.6207% | 155 |
| Total risk-based capital ratio | 49.4103% | 158 |
| Memoranda: | ||
| Average total assets | $54,972,600 | 6,373 |
| Average earning assets | $50,712,400 | 6,338 |
| Average equity | $9,826,600 | 5,181 |
| Average total loans | $10,767,000 | 7,360 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3942% | 6,824 |
| Cost of funding earning assets | 0.7052% | 7,046 |
| Net interest margin | 3.6891% | 4,460 |
| Noninterest income to average assets | 0.2453% | 6,136 |
| Noninterest expense to average assets | 1.7219% | 7,422 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5358% | 854 |
| Return on assets (ROA) | 1.5907% | 829 |
| Pretax return on assets | 2.0497% | 558 |
| Return on Equity (ROE) | 8.9275% | 2,515 |
| Retained earnings to average equity (ytd only) | 5.5201% | 2,634 |
| Net charge-offs to loans | 0.5872% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 16.9788% | 1,353 |
| Efficiency ratio | 46.5223% | 7,362 |
| Assets per employee ($millions) | 5.2560% | 1,865 |
| Cash dividends to net income (ytd only)* | 38.1686% | 2,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 5,675 |
| Loan loss allowance to noncurrent loans | 3,125.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 7,352 |
| Noncurrent loans to loans | 0.0370% | 7,157 |
| Net loans and leases to total assets | 20.3082% | 7,622 |
| Net loans and leases to deposits | 25.5402% | 7,622 |
| Net loans and leases to core deposits | 26.1894% | 7,619 |
| Total domestic deposits to total assets | 79.5148% | 5,860 |
| Equity capital to assets | 19.1781% | 339 |
| Core capital (leverage) ratio | 17.7643% | 368 |
| Tier 1 risk-based capital ratio | 49.4138% | 155 |
| Total risk-based capital ratio | 50.0739% | 158 |
| Memoranda: | ||
| Average total assets | $54,900,000 | 6,451 |
| Average earning assets | $51,429,500 | 6,389 |
| Average equity | $9,782,250 | 5,261 |
| Average total loans | $10,899,250 | 7,449 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4253% | 6,845 |
| Cost of funding earning assets | 0.7191% | 7,149 |
| Net interest margin | 3.7062% | 4,334 |
| Noninterest income to average assets | 0.2514% | 6,115 |
| Noninterest expense to average assets | 1.6739% | 7,521 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5829% | 753 |
| Return on assets (ROA) | 1.6631% | 678 |
| Pretax return on assets | 2.1624% | 438 |
| Return on Equity (ROE) | 9.5632% | 2,250 |
| Retained earnings to average equity (ytd only) | 4.3995% | 3,277 |
| Net charge-offs to loans | 0.8964% | 2,040 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 11.6939% | 1,742 |
| Efficiency ratio | 44.8508% | 7,492 |
| Assets per employee ($millions) | 5.3077% | 1,803 |
| Cash dividends to net income (ytd only)* | 53.9957% | 1,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1239% | 5,828 |
| Loan loss allowance to noncurrent loans | 413.3333% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.0565% | 7,247 |
| Noncurrent loans to loans | 0.2719% | 6,685 |
| Net loans and leases to total assets | 20.5532% | 7,682 |
| Net loans and leases to deposits | 25.7330% | 7,691 |
| Net loans and leases to core deposits | 26.5704% | 7,688 |
| Total domestic deposits to total assets | 79.8708% | 5,765 |
| Equity capital to assets | 18.5372% | 374 |
| Core capital (leverage) ratio | 16.6609% | 480 |
| Tier 1 risk-based capital ratio | 47.6027% | 167 |
| Total risk-based capital ratio | 48.2468% | 172 |
| Memoranda: | ||
| Average total assets | $55,680,000 | 6,473 |
| Average earning assets | $52,290,670 | 6,398 |
| Average equity | $9,683,000 | 5,290 |
| Average total loans | $10,932,670 | 7,505 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 6,943 |
| Cost of funding earning assets | 0.7306% | 7,269 |
| Net interest margin | 3.6978% | 4,260 |
| Noninterest income to average assets | 0.2808% | 5,893 |
| Noninterest expense to average assets | 1.6637% | 7,606 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5742% | 786 |
| Return on assets (ROA) | 1.6005% | 803 |
| Pretax return on assets | 2.1340% | 472 |
| Return on Equity (ROE) | 9.4951% | 2,293 |
| Retained earnings to average equity (ytd only) | -0.9162% | 6,029 |
| Net charge-offs to loans | -0.0735% | 7,455 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2164% | 7,617 |
| Assets per employee ($millions) | 5.5031% | 1,666 |
| Cash dividends to net income (ytd only)* | 109.6491% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6027% | 3,432 |
| Loan loss allowance to noncurrent loans | 55.7325% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 0.5706% | 6,071 |
| Noncurrent loans to loans | 2.8757% | 2,804 |
| Net loans and leases to total assets | 19.5235% | 7,792 |
| Net loans and leases to deposits | 24.1037% | 7,802 |
| Net loans and leases to core deposits | 25.4748% | 7,792 |
| Total domestic deposits to total assets | 80.9980% | 5,463 |
| Equity capital to assets | 17.3829% | 487 |
| Core capital (leverage) ratio | 15.2821% | 693 |
| Tier 1 risk-based capital ratio | 45.0664% | 188 |
| Total risk-based capital ratio | 45.9496% | 191 |
| Memoranda: | ||
| Average total assets | $56,981,500 | 6,505 |
| Average earning assets | $53,654,000 | 6,405 |
| Average equity | $9,605,000 | 5,345 |
| Average total loans | $10,882,500 | 7,603 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4140% | 7,464 |
| Cost of funding earning assets | 0.8571% | 7,474 |
| Net interest margin | 3.5569% | 4,712 |
| Noninterest income to average assets | 0.4077% | 5,139 |
| Noninterest expense to average assets | 1.6743% | 7,718 |
| Loan and lease loss provision to assets | 0.0803% | 6,806 |
| Net operating income to assets | 1.3725% | 893 |
| Return on assets (ROA) | 1.3725% | 948 |
| Pretax return on assets | 1.9841% | 416 |
| Return on Equity (ROE) | 9.1644% | 1,973 |
| Retained earnings to average equity (ytd only) | 6.4847% | 1,154 |
| Net charge-offs to loans | -0.1731% | 7,905 |
| Credit loss provision to net charge-offs | -277.7778% | 7,405 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.7832% | 7,757 |
| Assets per employee ($millions) | 7.3665% | 682 |
| Cash dividends to net income (ytd only)* | 29.2398% | 3,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5951% | 3,298 |
| Loan loss allowance to noncurrent loans | 48.1894% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 5,930 |
| Noncurrent loans to loans | 3.3100% | 2,307 |
| Net loans and leases to total assets | 18.1107% | 7,882 |
| Net loans and leases to deposits | 22.4303% | 7,897 |
| Net loans and leases to core deposits | 24.6877% | 7,897 |
| Total domestic deposits to total assets | 80.7422% | 5,427 |
| Equity capital to assets | 16.3646% | 647 |
| Core capital (leverage) ratio | 14.8451% | 817 |
| Tier 1 risk-based capital ratio | 43.6954% | 203 |
| Total risk-based capital ratio | 44.5399% | 203 |
| Memoranda: | ||
| Average total assets | $62,294,400 | 6,260 |
| Average earning assets | $58,337,600 | 6,208 |
| Average equity | $9,329,600 | 5,497 |
| Average total loans | $10,398,400 | 7,688 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4344% | 7,576 |
| Cost of funding earning assets | 0.8824% | 7,588 |
| Net interest margin | 3.5521% | 4,664 |
| Noninterest income to average assets | 0.4752% | 4,709 |
| Noninterest expense to average assets | 1.5437% | 7,868 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6282% | 631 |
| Return on assets (ROA) | 1.6282% | 678 |
| Pretax return on assets | 2.2554% | 310 |
| Return on Equity (ROE) | 11.1120% | 1,590 |
| Retained earnings to average equity (ytd only) | 7.5089% | 1,312 |
| Net charge-offs to loans | -0.1815% | 7,968 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6337% | 7,917 |
| Assets per employee ($millions) | 7.3373% | 683 |
| Cash dividends to net income (ytd only)* | 32.4260% | 2,784 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1082% | 5,673 |
| Loan loss allowance to noncurrent loans | 517.3913% | 614 |
| Noncurrent assets plus other real estate owned to assets | 0.0392% | 7,481 |
| Noncurrent loans to loans | 0.2142% | 6,959 |
| Net loans and leases to total assets | 18.0909% | 7,967 |
| Net loans and leases to deposits | 21.8921% | 7,984 |
| Net loans and leases to core deposits | 24.5146% | 7,974 |
| Total domestic deposits to total assets | 82.6365% | 4,382 |
| Equity capital to assets | 16.2374% | 753 |
| Core capital (leverage) ratio | 14.2394% | 1,026 |
| Tier 1 risk-based capital ratio | 43.9978% | 222 |
| Total risk-based capital ratio | 44.5884% | 226 |
| Memoranda: | ||
| Average total assets | $63,135,000 | 6,277 |
| Average earning assets | $59,081,500 | 6,209 |
| Average equity | $9,251,000 | 5,573 |
| Average total loans | $10,286,500 | 7,765 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3820% | 7,723 |
| Cost of funding earning assets | 0.8943% | 7,706 |
| Net interest margin | 3.4877% | 4,852 |
| Noninterest income to average assets | 0.5788% | 3,843 |
| Noninterest expense to average assets | 1.4950% | 7,972 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6529% | 617 |
| Return on assets (ROA) | 1.6529% | 677 |
| Pretax return on assets | 2.3431% | 279 |
| Return on Equity (ROE) | 11.6624% | 1,516 |
| Retained earnings to average equity (ytd only) | 6.2025% | 1,928 |
| Net charge-offs to loans | -0.2960% | 8,063 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.9516% | 8,040 |
| Assets per employee ($millions) | 6.1567% | 1,122 |
| Cash dividends to net income (ytd only)* | 46.8165% | 2,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,410 |
| Loan loss allowance to noncurrent loans | 94.4882% | 3,046 |
| Noncurrent assets plus other real estate owned to assets | 0.2063% | 6,992 |
| Noncurrent loans to loans | 1.1917% | 4,837 |
| Net loans and leases to total assets | 17.1147% | 8,064 |
| Net loans and leases to deposits | 20.3307% | 8,083 |
| Net loans and leases to core deposits | 23.0918% | 8,070 |
| Total domestic deposits to total assets | 84.1815% | 3,657 |
| Equity capital to assets | 14.8830% | 1,061 |
| Core capital (leverage) ratio | 13.7755% | 1,196 |
| Tier 1 risk-based capital ratio | 41.4278% | 280 |
| Total risk-based capital ratio | 42.0039% | 281 |
| Memoranda: | ||
| Average total assets | $64,614,000 | 6,277 |
| Average earning assets | $60,383,330 | 6,205 |
| Average equity | $9,157,670 | 5,626 |
| Average total loans | $10,136,000 | 7,853 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2667% | 7,867 |
| Cost of funding earning assets | 0.8996% | 7,811 |
| Net interest margin | 3.3671% | 5,262 |
| Noninterest income to average assets | 0.2419% | 6,520 |
| Noninterest expense to average assets | 1.4697% | 8,005 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4213% | 1,094 |
| Return on assets (ROA) | 1.4213% | 1,181 |
| Pretax return on assets | 1.9414% | 740 |
| Return on Equity (ROE) | 10.2676% | 2,210 |
| Retained earnings to average equity (ytd only) | -0.6554% | 5,799 |
| Net charge-offs to loans | -0.4455% | 8,098 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0851% | 7,962 |
| Assets per employee ($millions) | 6.9617% | 793 |
| Cash dividends to net income (ytd only)* | 106.3830% | 697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1533% | 5,101 |
| Loan loss allowance to noncurrent loans | 33.4294% | 6,301 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 5,813 |
| Noncurrent loans to loans | 3.4500% | 1,854 |
| Net loans and leases to total assets | 15.8678% | 8,117 |
| Net loans and leases to deposits | 18.9769% | 8,137 |
| Net loans and leases to core deposits | 22.8457% | 8,127 |
| Total domestic deposits to total assets | 83.6166% | 3,870 |
| Equity capital to assets | 14.5463% | 1,219 |
| Core capital (leverage) ratio | 12.9593% | 1,493 |
| Tier 1 risk-based capital ratio | 40.5629% | 316 |
| Total risk-based capital ratio | 41.1278% | 323 |
| Memoranda: | ||
| Average total assets | $66,137,500 | 6,246 |
| Average earning assets | $62,249,000 | 6,165 |
| Average equity | $9,155,000 | 5,636 |
| Average total loans | $9,875,500 | 7,913 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7020% | 7,977 |
| Cost of funding earning assets | 1.3923% | 7,746 |
| Net interest margin | 3.3097% | 6,004 |
| Noninterest income to average assets | 0.3566% | 5,874 |
| Noninterest expense to average assets | 1.4358% | 8,056 |
| Loan and lease loss provision to assets | 0.0465% | 6,835 |
| Net operating income to assets | 1.5613% | 906 |
| Return on assets (ROA) | 1.5816% | 827 |
| Pretax return on assets | 2.0483% | 536 |
| Return on Equity (ROE) | 12.4284% | 1,467 |
| Retained earnings to average equity (ytd only) | 8.7730% | 638 |
| Net charge-offs to loans | 0.3434% | 3,109 |
| Credit loss provision to net charge-offs | 90.9091% | 5,657 |
| Earnings coverage of net charge-offs (x) | 40.4242% | 918 |
| Efficiency ratio | 40.9735% | 8,109 |
| Assets per employee ($millions) | 7.7356% | 507 |
| Cash dividends to net income (ytd only)* | 29.4118% | 4,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0833% | 5,392 |
| Loan loss allowance to noncurrent loans | 1,750.0000% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 7,604 |
| Noncurrent loans to loans | 0.0619% | 7,258 |
| Net loans and leases to total assets | 13.7719% | 8,198 |
| Net loans and leases to deposits | 16.0700% | 8,210 |
| Net loans and leases to core deposits | 19.2933% | 8,200 |
| Total domestic deposits to total assets | 85.6995% | 2,534 |
| Equity capital to assets | 13.2088% | 1,706 |
| Core capital (leverage) ratio | 13.3706% | 1,425 |
| Tier 1 risk-based capital ratio | 38.4722% | 363 |
| Total risk-based capital ratio | 38.9562% | 370 |
| Memoranda: | ||
| Average total assets | $64,493,200 | 6,211 |
| Average earning assets | $61,335,400 | 6,118 |
| Average equity | $8,207,000 | 6,000 |
| Average total loans | $9,608,600 | 7,960 |