Home > Hardware State Bank > Performance and Condition Ratios
Hardware 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 | 2.5332% | 5,747 |
| Cost of funding earning assets | 0.1625% | 5,343 |
| Net interest margin | 2.3707% | 5,667 |
| Noninterest income to average assets | 0.3430% | 4,284 |
| Noninterest expense to average assets | 2.1856% | 4,806 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.3386% | 5,114 |
| Return on assets (ROA) | 0.3474% | 5,172 |
| Pretax return on assets | 0.3474% | 5,305 |
| Return on Equity (ROE) | 3.6362% | 4,962 |
| Retained earnings to average equity (ytd only) | 1.5649% | 4,633 |
| Net charge-offs to loans | 0.0708% | 2,686 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.8333% | 2,415 |
| Efficiency ratio | 86.5854% | 780 |
| Assets per employee ($millions) | 4.4272% | 3,227 |
| Cash dividends to net income (ytd only)* | 56.9620% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8997% | 4,785 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 45.2837% | 5,053 |
| Net loans and leases to deposits | 50.3491% | 5,195 |
| Net loans and leases to core deposits | 51.2763% | 5,257 |
| Total domestic deposits to total assets | 89.9395% | 660 |
| Equity capital to assets | 9.8753% | 3,850 |
| Core capital (leverage) ratio | 9.3292% | 4,321 |
| Tier 1 risk-based capital ratio | 20.6698% | 1,263 |
| Total risk-based capital ratio | 21.5306% | 1,301 |
| Memoranda: | ||
| Average total assets | $22,740,200 | 5,808 |
| Average earning assets | $20,921,800 | 5,788 |
| Average equity | $2,172,600 | 5,830 |
| Average total loans | $8,469,800 | 5,799 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4398% | 5,837 |
| Cost of funding earning assets | 0.1711% | 5,339 |
| Net interest margin | 2.2687% | 5,793 |
| Noninterest income to average assets | 0.3262% | 4,445 |
| Noninterest expense to average assets | 2.1551% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.2563% | 5,377 |
| Return on assets (ROA) | 0.2679% | 5,428 |
| Pretax return on assets | 0.2679% | 5,492 |
| Return on Equity (ROE) | 2.8272% | 5,265 |
| Retained earnings to average equity (ytd only) | 1.9053% | 4,729 |
| Net charge-offs to loans | 0.0993% | 1,955 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 7.3338% | 2,884 |
| Efficiency ratio | 89.3720% | 598 |
| Assets per employee ($millions) | 4.7404% | 2,683 |
| Cash dividends to net income (ytd only)* | 32.6105% | 2,712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 4,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 39.3638% | 5,415 |
| Net loans and leases to deposits | 43.4722% | 5,531 |
| Net loans and leases to core deposits | 44.2138% | 5,575 |
| Total domestic deposits to total assets | 90.5493% | 307 |
| Equity capital to assets | 9.2397% | 4,936 |
| Core capital (leverage) ratio | 9.2547% | 4,526 |
| Tier 1 risk-based capital ratio | 21.9662% | 1,142 |
| Total risk-based capital ratio | 22.8819% | 1,161 |
| Memoranda: | ||
| Average total assets | $22,891,250 | 5,867 |
| Average earning assets | $21,039,500 | 5,846 |
| Average equity | $2,169,250 | 5,892 |
| Average total loans | $8,058,500 | 5,873 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4058% | 5,928 |
| Cost of funding earning assets | 0.1739% | 5,376 |
| Net interest margin | 2.2318% | 5,886 |
| Noninterest income to average assets | 0.3183% | 4,502 |
| Noninterest expense to average assets | 2.1838% | 4,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1768% | 5,565 |
| Return on assets (ROA) | 0.1768% | 5,619 |
| Pretax return on assets | 0.1768% | 5,648 |
| Return on Equity (ROE) | 1.8499% | 5,542 |
| Retained earnings to average equity (ytd only) | 1.1099% | 4,938 |
| Net charge-offs to loans | 0.0526% | 2,448 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 2,365 |
| Efficiency ratio | 92.5094% | 473 |
| Assets per employee ($millions) | 4.8574% | 2,470 |
| Cash dividends to net income (ytd only)* | 40.0000% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2680% | 2,969 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 30.4566% | 5,772 |
| Net loans and leases to deposits | 33.5206% | 5,832 |
| Net loans and leases to core deposits | 34.0766% | 5,846 |
| Total domestic deposits to total assets | 90.8593% | 219 |
| Equity capital to assets | 8.9431% | 5,281 |
| Core capital (leverage) ratio | 9.6017% | 4,068 |
| Tier 1 risk-based capital ratio | 24.6921% | 836 |
| Total risk-based capital ratio | 25.7755% | 839 |
| Memoranda: | ||
| Average total assets | $22,621,000 | 5,944 |
| Average earning assets | $20,700,330 | 5,928 |
| Average equity | $2,162,330 | 5,966 |
| Average total loans | $7,604,330 | 5,962 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5137% | 5,960 |
| Cost of funding earning assets | 0.1824% | 5,355 |
| Net interest margin | 2.3313% | 5,913 |
| Noninterest income to average assets | 0.3488% | 4,236 |
| Noninterest expense to average assets | 2.2948% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1652% | 5,592 |
| Return on assets (ROA) | 0.1652% | 5,649 |
| Pretax return on assets | 0.1652% | 5,681 |
| Return on Equity (ROE) | 1.6686% | 5,587 |
| Retained earnings to average equity (ytd only) | 1.1124% | 4,798 |
| Net charge-offs to loans | 0.1044% | 1,498 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 4.5000% | 2,425 |
| Efficiency ratio | 93.2836% | 487 |
| Assets per employee ($millions) | 4.3824% | 3,270 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3877% | 2,482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 30.8096% | 5,810 |
| Net loans and leases to deposits | 34.2656% | 5,864 |
| Net loans and leases to core deposits | 34.9015% | 5,879 |
| Total domestic deposits to total assets | 89.9142% | 637 |
| Equity capital to assets | 9.8759% | 4,247 |
| Core capital (leverage) ratio | 9.8158% | 3,753 |
| Tier 1 risk-based capital ratio | 26.4299% | 706 |
| Total risk-based capital ratio | 27.5934% | 696 |
| Memoranda: | ||
| Average total assets | $21,788,000 | 6,016 |
| Average earning assets | $19,731,500 | 6,001 |
| Average equity | $2,157,500 | 6,025 |
| Average total loans | $7,660,500 | 6,020 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3086% | 6,048 |
| Cost of funding earning assets | 0.1791% | 5,466 |
| Net interest margin | 2.1295% | 6,013 |
| Noninterest income to average assets | 0.3473% | 4,425 |
| Noninterest expense to average assets | 2.2529% | 4,917 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0534% | 5,810 |
| Return on assets (ROA) | 0.1113% | 5,782 |
| Pretax return on assets | 0.1113% | 5,788 |
| Return on Equity (ROE) | 1.1647% | 5,744 |
| Retained earnings to average equity (ytd only) | 0.8852% | 5,168 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6834% | 349 |
| Assets per employee ($millions) | 4.3328% | 3,335 |
| Cash dividends to net income (ytd only)* | 24.0000% | 3,613 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1445% | 3,781 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 38.6725% | 5,593 |
| Net loans and leases to deposits | 43.0259% | 5,681 |
| Net loans and leases to core deposits | 44.4173% | 5,703 |
| Total domestic deposits to total assets | 89.8818% | 681 |
| Equity capital to assets | 9.9289% | 4,044 |
| Core capital (leverage) ratio | 9.6093% | 4,037 |
| Tier 1 risk-based capital ratio | 22.9058% | 1,026 |
| Total risk-based capital ratio | 23.9383% | 1,042 |
| Memoranda: | ||
| Average total assets | $22,460,200 | 6,067 |
| Average earning assets | $20,662,200 | 6,049 |
| Average equity | $2,146,400 | 6,082 |
| Average total loans | $7,913,800 | 6,064 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2495% | 6,159 |
| Cost of funding earning assets | 0.1789% | 5,563 |
| Net interest margin | 2.0706% | 6,117 |
| Noninterest income to average assets | 0.3295% | 4,583 |
| Noninterest expense to average assets | 2.2477% | 4,915 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0118% | 5,947 |
| Return on assets (ROA) | 0.0647% | 5,919 |
| Pretax return on assets | 0.0647% | 5,919 |
| Return on Equity (ROE) | 0.6838% | 5,903 |
| Retained earnings to average equity (ytd only) | 0.6838% | 5,419 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5263% | 291 |
| Assets per employee ($millions) | 4.5226% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1902% | 3,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 35.6123% | 5,796 |
| Net loans and leases to deposits | 39.4407% | 5,886 |
| Net loans and leases to core deposits | 40.1466% | 5,913 |
| Total domestic deposits to total assets | 90.2932% | 468 |
| Equity capital to assets | 9.5122% | 4,736 |
| Core capital (leverage) ratio | 9.4466% | 4,373 |
| Tier 1 risk-based capital ratio | 24.1007% | 942 |
| Total risk-based capital ratio | 25.1911% | 937 |
| Memoranda: | ||
| Average total assets | $22,659,250 | 6,149 |
| Average earning assets | $20,863,500 | 6,126 |
| Average equity | $2,145,250 | 6,167 |
| Average total loans | $7,773,500 | 6,152 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2673% | 6,225 |
| Cost of funding earning assets | 0.1729% | 5,670 |
| Net interest margin | 2.0944% | 6,175 |
| Noninterest income to average assets | 0.3087% | 4,746 |
| Noninterest expense to average assets | 2.2316% | 5,024 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.0000% | 5,992 |
| Return on assets (ROA) | 0.1058% | 5,918 |
| Pretax return on assets | 0.1058% | 5,929 |
| Return on Equity (ROE) | 1.1198% | 5,883 |
| Retained earnings to average equity (ytd only) | 1.1198% | 5,122 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 320 |
| Assets per employee ($millions) | 4.4368% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3455% | 3,007 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 32.0591% | 5,975 |
| Net loans and leases to deposits | 35.5725% | 6,044 |
| Net loans and leases to core deposits | 36.2229% | 6,061 |
| Total domestic deposits to total assets | 90.1235% | 611 |
| Equity capital to assets | 9.6872% | 4,420 |
| Core capital (leverage) ratio | 9.7723% | 3,909 |
| Tier 1 risk-based capital ratio | 26.4579% | 744 |
| Total risk-based capital ratio | 27.6538% | 733 |
| Memoranda: | ||
| Average total assets | $22,674,670 | 6,223 |
| Average earning assets | $20,817,330 | 6,198 |
| Average equity | $2,143,330 | 6,241 |
| Average total loans | $7,648,000 | 6,224 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2822% | 6,291 |
| Cost of funding earning assets | 0.1886% | 5,612 |
| Net interest margin | 2.0935% | 6,250 |
| Noninterest income to average assets | 0.2618% | 5,084 |
| Noninterest expense to average assets | 2.3211% | 4,824 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.1222% | 6,112 |
| Return on assets (ROA) | 0.0873% | 5,953 |
| Pretax return on assets | 0.0873% | 5,962 |
| Return on Equity (ROE) | 0.9344% | 5,920 |
| Retained earnings to average equity (ytd only) | 0.9344% | 5,091 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5556% | 246 |
| Assets per employee ($millions) | 4.5802% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2745% | 3,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 32.8108% | 5,974 |
| Net loans and leases to deposits | 36.2837% | 6,047 |
| Net loans and leases to core deposits | 36.9220% | 6,077 |
| Total domestic deposits to total assets | 90.4284% | 554 |
| Equity capital to assets | 9.3795% | 4,883 |
| Core capital (leverage) ratio | 9.0940% | 4,852 |
| Tier 1 risk-based capital ratio | 25.1293% | 875 |
| Total risk-based capital ratio | 26.2694% | 865 |
| Memoranda: | ||
| Average total assets | $22,920,000 | 6,285 |
| Average earning assets | $21,208,000 | 6,259 |
| Average equity | $2,140,500 | 6,307 |
| Average total loans | $7,867,500 | 6,287 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2738% | 6,387 |
| Cost of funding earning assets | 0.2150% | 5,626 |
| Net interest margin | 2.0588% | 6,351 |
| Noninterest income to average assets | 0.4054% | 4,147 |
| Noninterest expense to average assets | 2.2382% | 5,269 |
| Loan and lease loss provision to assets | -0.1056% | 6,157 |
| Net operating income to assets | 0.1731% | 5,818 |
| Return on assets (ROA) | 0.1731% | 5,866 |
| Pretax return on assets | 0.1731% | 5,911 |
| Return on Equity (ROE) | 1.9513% | 5,781 |
| Retained earnings to average equity (ytd only) | 1.6657% | 4,981 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0696% | 465 |
| Assets per employee ($millions) | 4.5878% | 2,889 |
| Cash dividends to net income (ytd only)* | 14.6341% | 3,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1940% | 4,038 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 34.9928% | 5,995 |
| Net loans and leases to deposits | 38.6638% | 6,073 |
| Net loans and leases to core deposits | 39.3423% | 6,111 |
| Total domestic deposits to total assets | 90.5053% | 538 |
| Equity capital to assets | 9.2986% | 4,954 |
| Core capital (leverage) ratio | 8.9303% | 5,084 |
| Tier 1 risk-based capital ratio | 22.7982% | 1,109 |
| Total risk-based capital ratio | 23.8350% | 1,127 |
| Memoranda: | ||
| Average total assets | $23,680,000 | 6,359 |
| Average earning assets | $21,857,400 | 6,333 |
| Average equity | $2,101,200 | 6,391 |
| Average total loans | $8,172,800 | 6,365 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2306% | 6,477 |
| Cost of funding earning assets | 0.2122% | 5,738 |
| Net interest margin | 2.0184% | 6,447 |
| Noninterest income to average assets | 0.4023% | 4,229 |
| Noninterest expense to average assets | 2.2627% | 5,200 |
| Loan and lease loss provision to assets | -0.1397% | 6,340 |
| Net operating income to assets | 0.1397% | 5,962 |
| Return on assets (ROA) | 0.1397% | 5,995 |
| Pretax return on assets | 0.1397% | 6,020 |
| Return on Equity (ROE) | 1.5923% | 5,924 |
| Retained earnings to average equity (ytd only) | 1.4012% | 5,340 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0000% | 362 |
| Assets per employee ($millions) | 4.7648% | 2,576 |
| Cash dividends to net income (ytd only)* | 12.0012% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 3,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 32.2490% | 6,174 |
| Net loans and leases to deposits | 35.4595% | 6,258 |
| Net loans and leases to core deposits | 36.0552% | 6,281 |
| Total domestic deposits to total assets | 90.9461% | 379 |
| Equity capital to assets | 8.8776% | 5,487 |
| Core capital (leverage) ratio | 8.8811% | 5,218 |
| Tier 1 risk-based capital ratio | 24.1458% | 973 |
| Total risk-based capital ratio | 25.2506% | 970 |
| Memoranda: | ||
| Average total assets | $23,865,250 | 6,431 |
| Average earning assets | $21,996,750 | 6,407 |
| Average equity | $2,093,250 | 6,466 |
| Average total loans | $8,185,000 | 6,434 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2282% | 6,547 |
| Cost of funding earning assets | 0.2092% | 5,834 |
| Net interest margin | 2.0190% | 6,515 |
| Noninterest income to average assets | 0.3434% | 4,672 |
| Noninterest expense to average assets | 2.1441% | 5,528 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0586% | 6,118 |
| Return on assets (ROA) | 0.0586% | 6,140 |
| Pretax return on assets | 0.0586% | 6,138 |
| Return on Equity (ROE) | 0.6711% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.3835% | 5,583 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3384% | 491 |
| Assets per employee ($millions) | 4.7910% | 2,486 |
| Cash dividends to net income (ytd only)* | 42.8571% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5599% | 2,629 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 32.1394% | 6,236 |
| Net loans and leases to deposits | 35.2955% | 6,315 |
| Net loans and leases to core deposits | 35.8827% | 6,334 |
| Total domestic deposits to total assets | 91.0582% | 397 |
| Equity capital to assets | 8.7664% | 5,553 |
| Core capital (leverage) ratio | 8.6172% | 5,515 |
| Tier 1 risk-based capital ratio | 23.7890% | 1,014 |
| Total risk-based capital ratio | 25.0453% | 992 |
| Memoranda: | ||
| Average total assets | $23,879,000 | 6,502 |
| Average earning assets | $21,990,670 | 6,472 |
| Average equity | $2,086,000 | 6,526 |
| Average total loans | $8,320,000 | 6,495 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2592% | 6,608 |
| Cost of funding earning assets | 0.2004% | 5,994 |
| Net interest margin | 2.0588% | 6,575 |
| Noninterest income to average assets | 0.3523% | 4,555 |
| Noninterest expense to average assets | 2.1476% | 5,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1007% | 6,030 |
| Return on assets (ROA) | 0.1007% | 6,060 |
| Pretax return on assets | 0.1007% | 6,078 |
| Return on Equity (ROE) | 1.1544% | 6,003 |
| Retained earnings to average equity (ytd only) | 0.5772% | 5,352 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5224% | 671 |
| Assets per employee ($millions) | 4.9352% | 2,329 |
| Cash dividends to net income (ytd only)* | 50.0000% | 1,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5673% | 2,845 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 31.0504% | 6,304 |
| Net loans and leases to deposits | 33.9703% | 6,370 |
| Net loans and leases to core deposits | 34.5166% | 6,399 |
| Total domestic deposits to total assets | 91.4046% | 414 |
| Equity capital to assets | 8.4414% | 5,704 |
| Core capital (leverage) ratio | 8.8456% | 5,203 |
| Tier 1 risk-based capital ratio | 23.6732% | 1,049 |
| Total risk-based capital ratio | 24.9239% | 1,031 |
| Memoranda: | ||
| Average total assets | $23,841,000 | 6,566 |
| Average earning assets | $21,954,500 | 6,543 |
| Average equity | $2,079,000 | 6,591 |
| Average total loans | $8,569,500 | 6,555 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3511% | 6,659 |
| Cost of funding earning assets | 0.2503% | 5,961 |
| Net interest margin | 2.1008% | 6,619 |
| Noninterest income to average assets | 0.4194% | 4,302 |
| Noninterest expense to average assets | 2.2052% | 5,614 |
| Loan and lease loss provision to assets | -0.1246% | 6,516 |
| Net operating income to assets | 0.2658% | 5,637 |
| Return on assets (ROA) | 0.2658% | 5,718 |
| Pretax return on assets | 0.2907% | 5,758 |
| Return on Equity (ROE) | 3.0808% | 5,473 |
| Retained earnings to average equity (ytd only) | 1.4922% | 5,145 |
| Net charge-offs to loans | 0.1326% | 3,479 |
| Credit loss provision to net charge-offs | -250.0000% | 6,021 |
| Earnings coverage of net charge-offs (x) | 3.3333% | 3,886 |
| Efficiency ratio | 92.9947% | 806 |
| Assets per employee ($millions) | 4.6012% | 2,716 |
| Cash dividends to net income (ytd only)* | 51.5625% | 2,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3041% | 4,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 40.1330% | 5,952 |
| Net loans and leases to deposits | 44.1897% | 6,114 |
| Net loans and leases to core deposits | 44.9579% | 6,186 |
| Total domestic deposits to total assets | 90.8198% | 652 |
| Equity capital to assets | 9.0194% | 5,014 |
| Core capital (leverage) ratio | 8.8632% | 5,195 |
| Tier 1 risk-based capital ratio | 20.2744% | 1,594 |
| Total risk-based capital ratio | 21.4534% | 1,579 |
| Memoranda: | ||
| Average total assets | $24,079,200 | 6,637 |
| Average earning assets | $22,372,200 | 6,613 |
| Average equity | $2,077,400 | 6,672 |
| Average total loans | $9,052,600 | 6,617 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2641% | 6,760 |
| Cost of funding earning assets | 0.2418% | 6,143 |
| Net interest margin | 2.0224% | 6,723 |
| Noninterest income to average assets | 0.4655% | 4,034 |
| Noninterest expense to average assets | 2.1576% | 5,708 |
| Loan and lease loss provision to assets | -0.1643% | 6,688 |
| Net operating income to assets | 0.3176% | 5,554 |
| Return on assets (ROA) | 0.3176% | 5,665 |
| Pretax return on assets | 0.3505% | 5,744 |
| Return on Equity (ROE) | 3.7214% | 5,347 |
| Retained earnings to average equity (ytd only) | 1.9889% | 5,135 |
| Net charge-offs to loans | 0.1782% | 2,799 |
| Credit loss provision to net charge-offs | -250.0000% | 5,937 |
| Earnings coverage of net charge-offs (x) | 2.8331% | 3,887 |
| Efficiency ratio | 92.0561% | 849 |
| Assets per employee ($millions) | 4.7232% | 2,541 |
| Cash dividends to net income (ytd only)* | 46.5537% | 2,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2764% | 4,514 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 39.9560% | 6,036 |
| Net loans and leases to deposits | 43.8741% | 6,207 |
| Net loans and leases to core deposits | 44.6125% | 6,270 |
| Total domestic deposits to total assets | 91.0696% | 502 |
| Equity capital to assets | 8.7864% | 5,432 |
| Core capital (leverage) ratio | 8.7170% | 5,508 |
| Tier 1 risk-based capital ratio | 19.7292% | 1,806 |
| Total risk-based capital ratio | 20.8764% | 1,793 |
| Memoranda: | ||
| Average total assets | $24,347,500 | 6,711 |
| Average earning assets | $22,613,250 | 6,684 |
| Average equity | $2,078,000 | 6,757 |
| Average total loans | $8,977,000 | 6,693 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1196% | 6,832 |
| Cost of funding earning assets | 0.2452% | 6,207 |
| Net interest margin | 1.8743% | 6,797 |
| Noninterest income to average assets | 0.5612% | 3,431 |
| Noninterest expense to average assets | 2.1227% | 5,824 |
| Loan and lease loss provision to assets | -0.2440% | 6,805 |
| Net operating income to assets | 0.3741% | 5,314 |
| Return on assets (ROA) | 0.3741% | 5,483 |
| Pretax return on assets | 0.4229% | 5,590 |
| Return on Equity (ROE) | 4.4252% | 5,042 |
| Retained earnings to average equity (ytd only) | 2.6936% | 4,597 |
| Net charge-offs to loans | 0.2732% | 2,114 |
| Credit loss provision to net charge-offs | -250.0000% | 5,776 |
| Earnings coverage of net charge-offs (x) | 1.8333% | 3,914 |
| Efficiency ratio | 92.2261% | 883 |
| Assets per employee ($millions) | 4.7978% | 2,380 |
| Cash dividends to net income (ytd only)* | 39.1304% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 3,904 |
| Loan loss allowance to noncurrent loans | 259.5745% | 1,593 |
| Noncurrent assets plus other real estate owned to assets | 0.1959% | 5,904 |
| Noncurrent loans to loans | 0.5502% | 4,882 |
| Net loans and leases to total assets | 35.0994% | 6,355 |
| Net loans and leases to deposits | 38.4686% | 6,467 |
| Net loans and leases to core deposits | 39.1046% | 6,504 |
| Total domestic deposits to total assets | 91.2418% | 464 |
| Equity capital to assets | 8.6415% | 5,623 |
| Core capital (leverage) ratio | 8.2630% | 5,939 |
| Tier 1 risk-based capital ratio | 21.7662% | 1,335 |
| Total risk-based capital ratio | 23.0130% | 1,310 |
| Memoranda: | ||
| Average total assets | $24,591,330 | 6,755 |
| Average earning assets | $22,834,670 | 6,725 |
| Average equity | $2,079,000 | 6,806 |
| Average total loans | $8,783,330 | 6,750 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0337% | 6,923 |
| Cost of funding earning assets | 0.2585% | 6,229 |
| Net interest margin | 1.7752% | 6,895 |
| Noninterest income to average assets | 0.4660% | 4,018 |
| Noninterest expense to average assets | 2.0568% | 5,994 |
| Loan and lease loss provision to assets | -0.4821% | 6,951 |
| Net operating income to assets | 0.4981% | 4,677 |
| Return on assets (ROA) | 0.4981% | 4,831 |
| Pretax return on assets | 0.5463% | 5,126 |
| Return on Equity (ROE) | 5.9558% | 4,073 |
| Retained earnings to average equity (ytd only) | 4.8031% | 3,355 |
| Net charge-offs to loans | 0.5391% | 1,124 |
| Credit loss provision to net charge-offs | -250.0000% | 5,307 |
| Earnings coverage of net charge-offs (x) | 0.3333% | 3,699 |
| Efficiency ratio | 96.9697% | 683 |
| Assets per employee ($millions) | 5.1464% | 2,041 |
| Cash dividends to net income (ytd only)* | 19.3548% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5545% | 3,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 30.0249% | 6,607 |
| Net loans and leases to deposits | 32.7428% | 6,668 |
| Net loans and leases to core deposits | 33.2444% | 6,691 |
| Total domestic deposits to total assets | 91.6991% | 308 |
| Equity capital to assets | 8.1377% | 6,303 |
| Core capital (leverage) ratio | 8.1464% | 5,996 |
| Tier 1 risk-based capital ratio | 25.0809% | 878 |
| Total risk-based capital ratio | 26.3278% | 866 |
| Memoranda: | ||
| Average total assets | $24,892,500 | 6,818 |
| Average earning assets | $23,209,000 | 6,784 |
| Average equity | $2,082,000 | 6,872 |
| Average total loans | $8,904,000 | 6,815 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6477% | 6,893 |
| Cost of funding earning assets | 0.3243% | 6,338 |
| Net interest margin | 2.3234% | 6,826 |
| Noninterest income to average assets | 0.3245% | 5,137 |
| Noninterest expense to average assets | 2.2799% | 5,743 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.2629% | 5,592 |
| Return on assets (ROA) | 0.2711% | 5,781 |
| Pretax return on assets | 0.2013% | 5,988 |
| Return on Equity (ROE) | 3.2104% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.0430% | 4,788 |
| Net charge-offs to loans | 0.0102% | 5,791 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 47.0000% | 703 |
| Efficiency ratio | 92.1927% | 902 |
| Assets per employee ($millions) | 4.8106% | 2,477 |
| Cash dividends to net income (ytd only)* | 36.3636% | 3,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6466% | 3,125 |
| Loan loss allowance to noncurrent loans | 34.8936% | 5,860 |
| Noncurrent assets plus other real estate owned to assets | 1.9540% | 2,507 |
| Noncurrent loans to loans | 4.7189% | 878 |
| Net loans and leases to total assets | 40.7267% | 6,121 |
| Net loans and leases to deposits | 44.6470% | 6,333 |
| Net loans and leases to core deposits | 45.3813% | 6,402 |
| Total domestic deposits to total assets | 91.2194% | 423 |
| Equity capital to assets | 8.6060% | 5,965 |
| Core capital (leverage) ratio | 8.5223% | 5,580 |
| Tier 1 risk-based capital ratio | 19.4176% | 1,839 |
| Total risk-based capital ratio | 20.6670% | 1,801 |
| Memoranda: | ||
| Average total assets | $24,342,800 | 6,885 |
| Average earning assets | $22,510,000 | 6,855 |
| Average equity | $2,055,800 | 6,942 |
| Average total loans | $9,846,800 | 6,854 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6549% | 7,011 |
| Cost of funding earning assets | 0.3245% | 6,491 |
| Net interest margin | 2.3304% | 6,929 |
| Noninterest income to average assets | 0.2840% | 5,513 |
| Noninterest expense to average assets | 2.2445% | 5,833 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3113% | 5,578 |
| Return on assets (ROA) | 0.3222% | 5,740 |
| Pretax return on assets | 0.2075% | 6,107 |
| Return on Equity (ROE) | 3.8329% | 5,358 |
| Retained earnings to average equity (ytd only) | 2.6639% | 4,963 |
| Net charge-offs to loans | 0.0135% | 5,510 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 36.0902% | 951 |
| Efficiency ratio | 91.9463% | 890 |
| Assets per employee ($millions) | 4.8768% | 2,346 |
| Cash dividends to net income (ytd only)* | 30.5111% | 2,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6476% | 3,343 |
| Loan loss allowance to noncurrent loans | 34.3096% | 5,923 |
| Noncurrent assets plus other real estate owned to assets | 1.9603% | 2,701 |
| Noncurrent loans to loans | 4.8021% | 960 |
| Net loans and leases to total assets | 40.1493% | 6,270 |
| Net loans and leases to deposits | 43.9585% | 6,504 |
| Net loans and leases to core deposits | 44.6685% | 6,570 |
| Total domestic deposits to total assets | 91.3345% | 320 |
| Equity capital to assets | 8.4892% | 6,268 |
| Core capital (leverage) ratio | 8.6491% | 5,554 |
| Tier 1 risk-based capital ratio | 19.2347% | 1,937 |
| Total risk-based capital ratio | 20.4823% | 1,913 |
| Memoranda: | ||
| Average total assets | $24,415,250 | 6,971 |
| Average earning assets | $22,599,250 | 6,937 |
| Average equity | $2,052,250 | 7,033 |
| Average total loans | $9,818,500 | 6,946 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6736% | 7,082 |
| Cost of funding earning assets | 0.3342% | 6,579 |
| Net interest margin | 2.3394% | 6,991 |
| Noninterest income to average assets | 0.2784% | 5,585 |
| Noninterest expense to average assets | 2.2599% | 5,845 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3685% | 5,349 |
| Return on assets (ROA) | 0.3848% | 5,508 |
| Pretax return on assets | 0.2129% | 6,131 |
| Return on Equity (ROE) | 4.5936% | 4,997 |
| Retained earnings to average equity (ytd only) | 3.4208% | 4,324 |
| Net charge-offs to loans | 0.0205% | 5,121 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 24.0000% | 1,234 |
| Efficiency ratio | 92.0000% | 928 |
| Assets per employee ($millions) | 4.7894% | 2,454 |
| Cash dividends to net income (ytd only)* | 25.5319% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6879% | 3,276 |
| Loan loss allowance to noncurrent loans | 34.3096% | 5,960 |
| Noncurrent assets plus other real estate owned to assets | 1.9961% | 2,784 |
| Noncurrent loans to loans | 4.9197% | 1,015 |
| Net loans and leases to total assets | 39.8881% | 6,351 |
| Net loans and leases to deposits | 43.7383% | 6,571 |
| Net loans and leases to core deposits | 44.4589% | 6,641 |
| Total domestic deposits to total assets | 91.1972% | 385 |
| Equity capital to assets | 8.6274% | 6,098 |
| Core capital (leverage) ratio | 8.1539% | 6,090 |
| Tier 1 risk-based capital ratio | 20.2080% | 1,660 |
| Total risk-based capital ratio | 21.4636% | 1,626 |
| Memoranda: | ||
| Average total assets | $24,425,670 | 7,030 |
| Average earning assets | $22,740,670 | 6,991 |
| Average equity | $2,046,330 | 7,084 |
| Average total loans | $9,773,330 | 7,005 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7353% | 7,133 |
| Cost of funding earning assets | 0.3310% | 6,723 |
| Net interest margin | 2.4043% | 7,010 |
| Noninterest income to average assets | 0.2757% | 5,665 |
| Noninterest expense to average assets | 2.2542% | 5,890 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2595% | 5,786 |
| Return on assets (ROA) | 0.2595% | 5,944 |
| Pretax return on assets | 0.2595% | 6,063 |
| Return on Equity (ROE) | 3.1426% | 5,664 |
| Retained earnings to average equity (ytd only) | 1.9642% | 5,280 |
| Net charge-offs to loans | 0.0408% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 16.0000% | 1,391 |
| Efficiency ratio | 89.6774% | 1,126 |
| Assets per employee ($millions) | 5.1186% | 2,100 |
| Cash dividends to net income (ytd only)* | 37.5000% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7465% | 3,176 |
| Loan loss allowance to noncurrent loans | 33.8144% | 5,976 |
| Noncurrent assets plus other real estate owned to assets | 1.8950% | 3,050 |
| Noncurrent loans to loans | 5.1651% | 1,066 |
| Net loans and leases to total assets | 36.0489% | 6,611 |
| Net loans and leases to deposits | 39.2496% | 6,772 |
| Net loans and leases to core deposits | 40.8176% | 6,791 |
| Total domestic deposits to total assets | 91.8454% | 298 |
| Equity capital to assets | 7.9787% | 6,535 |
| Core capital (leverage) ratio | 7.8559% | 6,370 |
| Tier 1 risk-based capital ratio | 20.0552% | 1,700 |
| Total risk-based capital ratio | 21.3068% | 1,671 |
| Memoranda: | ||
| Average total assets | $24,665,000 | 7,083 |
| Average earning assets | $22,959,000 | 7,047 |
| Average equity | $2,036,500 | 7,140 |
| Average total loans | $9,802,000 | 7,070 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9173% | 7,196 |
| Cost of funding earning assets | 0.4767% | 6,629 |
| Net interest margin | 2.4406% | 7,085 |
| Noninterest income to average assets | 0.2869% | 5,484 |
| Noninterest expense to average assets | 2.2631% | 6,141 |
| Loan and lease loss provision to assets | 0.0996% | 5,345 |
| Net operating income to assets | 0.1474% | 5,742 |
| Return on assets (ROA) | 0.1873% | 5,761 |
| Pretax return on assets | 0.1873% | 5,821 |
| Return on Equity (ROE) | 2.3332% | 5,534 |
| Retained earnings to average equity (ytd only) | 1.1418% | 5,321 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1587% | 1,176 |
| Assets per employee ($millions) | 4.7474% | 2,522 |
| Cash dividends to net income (ytd only)* | 51.0638% | 1,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 3,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 42.3348% | 6,352 |
| Net loans and leases to deposits | 46.3900% | 6,604 |
| Net loans and leases to core deposits | 48.4079% | 6,617 |
| Total domestic deposits to total assets | 91.2584% | 409 |
| Equity capital to assets | 8.5563% | 6,065 |
| Core capital (leverage) ratio | 7.0013% | 6,866 |
| Tier 1 risk-based capital ratio | 17.3477% | 2,442 |
| Total risk-based capital ratio | 18.5985% | 2,411 |
| Memoranda: | ||
| Average total assets | $25,098,400 | 7,100 |
| Average earning assets | $22,863,400 | 7,083 |
| Average equity | $2,014,400 | 7,206 |
| Average total loans | $9,912,600 | 7,118 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8632% | 7,289 |
| Cost of funding earning assets | 0.4974% | 6,701 |
| Net interest margin | 2.3657% | 7,192 |
| Noninterest income to average assets | 0.2725% | 5,669 |
| Noninterest expense to average assets | 2.2171% | 6,235 |
| Loan and lease loss provision to assets | 0.0524% | 5,793 |
| Net operating income to assets | 0.1467% | 5,845 |
| Return on assets (ROA) | 0.1992% | 5,834 |
| Pretax return on assets | 0.1992% | 5,896 |
| Return on Equity (ROE) | 2.5206% | 5,614 |
| Retained earnings to average equity (ytd only) | 1.3267% | 5,476 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7570% | 1,046 |
| Assets per employee ($millions) | 5.9394% | 1,245 |
| Cash dividends to net income (ytd only)* | 47.3653% | 1,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 4,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 33.5690% | 6,973 |
| Net loans and leases to deposits | 36.0921% | 7,078 |
| Net loans and leases to core deposits | 36.9647% | 7,098 |
| Total domestic deposits to total assets | 93.0094% | 134 |
| Equity capital to assets | 6.8357% | 7,083 |
| Core capital (leverage) ratio | 7.5056% | 6,760 |
| Tier 1 risk-based capital ratio | 17.4491% | 2,466 |
| Total risk-based capital ratio | 18.6918% | 2,443 |
| Memoranda: | ||
| Average total assets | $25,438,750 | 7,162 |
| Average earning assets | $23,050,750 | 7,149 |
| Average equity | $2,010,250 | 7,278 |
| Average total loans | $9,837,250 | 7,194 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0283% | 7,335 |
| Cost of funding earning assets | 0.5684% | 6,595 |
| Net interest margin | 2.4599% | 7,208 |
| Noninterest income to average assets | 0.2831% | 5,620 |
| Noninterest expense to average assets | 2.3564% | 5,973 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1249% | 5,948 |
| Return on assets (ROA) | 0.1416% | 6,003 |
| Pretax return on assets | 0.1416% | 6,033 |
| Return on Equity (ROE) | 1.6969% | 5,889 |
| Retained earnings to average equity (ytd only) | 0.4991% | 5,652 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9664% | 926 |
| Assets per employee ($millions) | 4.7614% | 2,462 |
| Cash dividends to net income (ytd only)* | 70.5882% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4123% | 4,509 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 41.0510% | 6,665 |
| Net loans and leases to deposits | 45.0058% | 6,881 |
| Net loans and leases to core deposits | 45.7452% | 6,950 |
| Total domestic deposits to total assets | 91.2127% | 423 |
| Equity capital to assets | 8.5059% | 6,172 |
| Core capital (leverage) ratio | 8.1902% | 6,045 |
| Tier 1 risk-based capital ratio | 17.2216% | 2,436 |
| Total risk-based capital ratio | 18.4229% | 2,431 |
| Memoranda: | ||
| Average total assets | $24,019,330 | 7,264 |
| Average earning assets | $21,464,330 | 7,258 |
| Average equity | $2,003,670 | 7,346 |
| Average total loans | $9,743,330 | 7,264 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8682% | 7,428 |
| Cost of funding earning assets | 0.5843% | 6,673 |
| Net interest margin | 2.2839% | 7,319 |
| Noninterest income to average assets | 0.2819% | 5,655 |
| Noninterest expense to average assets | 2.3709% | 5,975 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0497% | 6,236 |
| Return on assets (ROA) | 0.0497% | 6,276 |
| Pretax return on assets | 0.0497% | 6,266 |
| Return on Equity (ROE) | 0.6021% | 6,244 |
| Retained earnings to average equity (ytd only) | -0.6021% | 5,908 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9452% | 834 |
| Assets per employee ($millions) | 5.0982% | 2,028 |
| Cash dividends to net income (ytd only)* | 200.0000% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5739% | 3,853 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 34.3455% | 7,082 |
| Net loans and leases to deposits | 37.3682% | 7,186 |
| Net loans and leases to core deposits | 37.9349% | 7,222 |
| Total domestic deposits to total assets | 91.9109% | 310 |
| Equity capital to assets | 7.8224% | 6,662 |
| Core capital (leverage) ratio | 7.7424% | 6,514 |
| Tier 1 risk-based capital ratio | 18.4699% | 1,967 |
| Total risk-based capital ratio | 19.7635% | 1,908 |
| Memoranda: | ||
| Average total assets | $24,125,500 | 7,312 |
| Average earning assets | $22,592,500 | 7,276 |
| Average equity | $1,993,000 | 7,396 |
| Average total loans | $9,658,500 | 7,327 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 6,485 |
| Cost of funding earning assets | 1.0860% | 5,213 |
| Net interest margin | 3.3776% | 5,709 |
| Noninterest income to average assets | 0.2904% | 5,706 |
| Noninterest expense to average assets | 2.5676% | 5,550 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3754% | 4,659 |
| Return on assets (ROA) | 0.3788% | 4,789 |
| Pretax return on assets | 0.4630% | 4,751 |
| Return on Equity (ROE) | 4.4856% | 4,306 |
| Retained earnings to average equity (ytd only) | 1.1463% | 4,972 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8401% | 1,817 |
| Assets per employee ($millions) | 3.2514% | 5,536 |
| Cash dividends to net income (ytd only)* | 74.4444% | 1,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3433% | 4,792 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 45.1757% | 6,623 |
| Net loans and leases to deposits | 50.0341% | 6,854 |
| Net loans and leases to core deposits | 51.0273% | 6,940 |
| Total domestic deposits to total assets | 90.2900% | 943 |
| Equity capital to assets | 8.7522% | 5,505 |
| Core capital (leverage) ratio | 8.3005% | 5,689 |
| Tier 1 risk-based capital ratio | 14.6688% | 3,440 |
| Total risk-based capital ratio | 15.6946% | 3,540 |
| Memoranda: | ||
| Average total assets | $23,757,600 | 7,375 |
| Average earning assets | $19,244,200 | 7,420 |
| Average equity | $2,006,400 | 7,502 |
| Average total loans | $12,117,600 | 7,297 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7840% | 5,724 |
| Cost of funding earning assets | 1.1764% | 5,001 |
| Net interest margin | 3.6077% | 4,835 |
| Noninterest income to average assets | 0.2888% | 5,810 |
| Noninterest expense to average assets | 2.5603% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.4287% | 4,633 |
| Return on assets (ROA) | 0.4332% | 4,793 |
| Pretax return on assets | 0.5443% | 4,783 |
| Return on Equity (ROE) | 5.1741% | 4,209 |
| Retained earnings to average equity (ytd only) | 1.4592% | 5,221 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6165% | 1,994 |
| Assets per employee ($millions) | 3.5896% | 4,759 |
| Cash dividends to net income (ytd only)* | 71.7885% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 5,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 45.9386% | 6,699 |
| Net loans and leases to deposits | 50.4590% | 6,987 |
| Net loans and leases to core deposits | 53.9821% | 6,959 |
| Total domestic deposits to total assets | 91.0415% | 440 |
| Equity capital to assets | 8.0193% | 6,791 |
| Core capital (leverage) ratio | 8.0471% | 6,280 |
| Tier 1 risk-based capital ratio | 13.6252% | 4,104 |
| Total risk-based capital ratio | 14.5785% | 4,294 |
| Memoranda: | ||
| Average total assets | $24,007,000 | 7,473 |
| Average earning assets | $18,700,500 | 7,531 |
| Average equity | $2,010,000 | 7,597 |
| Average total loans | $12,541,500 | 7,371 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 5,236 |
| Cost of funding earning assets | 1.1868% | 5,200 |
| Net interest margin | 3.7510% | 4,129 |
| Noninterest income to average assets | 0.2877% | 5,846 |
| Noninterest expense to average assets | 2.5980% | 5,330 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.5182% | 4,252 |
| Return on assets (ROA) | 0.5247% | 4,375 |
| Pretax return on assets | 0.6939% | 4,261 |
| Return on Equity (ROE) | 6.1743% | 3,713 |
| Retained earnings to average equity (ytd only) | 2.3900% | 4,639 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1237% | 2,557 |
| Assets per employee ($millions) | 3.4349% | 5,088 |
| Cash dividends to net income (ytd only)* | 61.2903% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 5,710 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 50.2537% | 6,404 |
| Net loans and leases to deposits | 55.4571% | 6,765 |
| Net loans and leases to core deposits | 59.5368% | 6,741 |
| Total domestic deposits to total assets | 90.6172% | 636 |
| Equity capital to assets | 8.3971% | 6,307 |
| Core capital (leverage) ratio | 8.2793% | 5,807 |
| Tier 1 risk-based capital ratio | 13.3205% | 4,191 |
| Total risk-based capital ratio | 14.2515% | 4,399 |
| Memoranda: | ||
| Average total assets | $23,633,670 | 7,542 |
| Average earning assets | $18,875,000 | 7,589 |
| Average equity | $2,008,330 | 7,659 |
| Average total loans | $12,827,670 | 7,410 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7501% | 6,076 |
| Cost of funding earning assets | 1.1724% | 5,544 |
| Net interest margin | 3.5777% | 4,823 |
| Noninterest income to average assets | 0.2732% | 5,972 |
| Noninterest expense to average assets | 2.5610% | 5,513 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.5385% | 4,190 |
| Return on assets (ROA) | 0.5634% | 4,211 |
| Pretax return on assets | 0.7683% | 3,997 |
| Return on Equity (ROE) | 6.5901% | 3,577 |
| Retained earnings to average equity (ytd only) | 3.5946% | 4,001 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7202% | 2,944 |
| Assets per employee ($millions) | 3.9758% | 3,932 |
| Cash dividends to net income (ytd only)* | 45.4545% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0323% | 6,314 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 56.2649% | 5,704 |
| Net loans and leases to deposits | 62.1446% | 6,262 |
| Net loans and leases to core deposits | 62.1446% | 6,592 |
| Total domestic deposits to total assets | 90.5387% | 718 |
| Equity capital to assets | 8.4175% | 6,134 |
| Core capital (leverage) ratio | 8.4116% | 5,539 |
| Tier 1 risk-based capital ratio | 12.6681% | 4,586 |
| Total risk-based capital ratio | 13.5562% | 4,859 |
| Memoranda: | ||
| Average total assets | $23,428,500 | 7,642 |
| Average earning assets | $19,789,000 | 7,660 |
| Average equity | $2,003,000 | 7,748 |
| Average total loans | $13,130,000 | 7,487 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 7,351 |
| Cost of funding earning assets | 1.4512% | 5,719 |
| Net interest margin | 3.0867% | 6,412 |
| Noninterest income to average assets | 0.3600% | 5,511 |
| Noninterest expense to average assets | 2.5117% | 6,082 |
| Loan and lease loss provision to assets | 0.0857% | 6,751 |
| Net operating income to assets | 0.4698% | 3,857 |
| Return on assets (ROA) | 0.4158% | 4,173 |
| Pretax return on assets | 0.4972% | 4,194 |
| Return on Equity (ROE) | 4.8515% | 3,740 |
| Retained earnings to average equity (ytd only) | 1.5005% | 4,018 |
| Net charge-offs to loans | 0.0409% | 6,702 |
| Credit loss provision to net charge-offs | 400.0000% | 790 |
| Earnings coverage of net charge-offs (x) | 30.2000% | 756 |
| Efficiency ratio | 79.5115% | 2,955 |
| Assets per employee ($millions) | 3.8337% | 4,199 |
| Cash dividends to net income (ytd only)* | 69.0722% | 1,599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1025% | 5,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 54.5953% | 6,133 |
| Net loans and leases to deposits | 60.5497% | 6,593 |
| Net loans and leases to core deposits | 70.3332% | 6,746 |
| Total domestic deposits to total assets | 90.1661% | 892 |
| Equity capital to assets | 8.6862% | 5,609 |
| Core capital (leverage) ratio | 8.3991% | 5,442 |
| Tier 1 risk-based capital ratio | 12.9389% | 4,181 |
| Total risk-based capital ratio | 13.8542% | 4,383 |
| Memoranda: | ||
| Average total assets | $23,330,800 | 7,688 |
| Average earning assets | $21,155,000 | 7,675 |
| Average equity | $1,999,400 | 7,842 |
| Average total loans | $12,222,400 | 7,589 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4549% | 7,560 |
| Cost of funding earning assets | 1.5203% | 5,748 |
| Net interest margin | 2.9346% | 6,765 |
| Noninterest income to average assets | 0.3474% | 5,720 |
| Noninterest expense to average assets | 2.4772% | 6,156 |
| Loan and lease loss provision to assets | 0.0854% | 6,512 |
| Net operating income to assets | 0.3617% | 4,547 |
| Return on assets (ROA) | 0.4670% | 4,229 |
| Pretax return on assets | 0.6036% | 4,175 |
| Return on Equity (ROE) | 5.4672% | 3,754 |
| Retained earnings to average equity (ytd only) | 2.0003% | 4,202 |
| Net charge-offs to loans | 0.0551% | 6,157 |
| Credit loss provision to net charge-offs | 300.0000% | 1,367 |
| Earnings coverage of net charge-offs (x) | 19.3898% | 1,294 |
| Efficiency ratio | 81.7669% | 2,613 |
| Assets per employee ($millions) | 4.0088% | 3,716 |
| Cash dividends to net income (ytd only)* | 63.4135% | 1,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 6,613 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 59.3481% | 5,685 |
| Net loans and leases to deposits | 65.5659% | 6,347 |
| Net loans and leases to core deposits | 73.4084% | 6,762 |
| Total domestic deposits to total assets | 90.5168% | 587 |
| Equity capital to assets | 8.3358% | 6,461 |
| Core capital (leverage) ratio | 8.2644% | 5,894 |
| Tier 1 risk-based capital ratio | 11.7121% | 5,230 |
| Total risk-based capital ratio | 12.5111% | 5,626 |
| Memoranda: | ||
| Average total assets | $23,413,000 | 7,753 |
| Average earning assets | $21,399,250 | 7,736 |
| Average equity | $1,999,750 | 7,922 |
| Average total loans | $12,103,500 | 7,670 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 7,643 |
| Cost of funding earning assets | 1.6273% | 5,626 |
| Net interest margin | 2.8453% | 6,921 |
| Noninterest income to average assets | 0.3621% | 5,616 |
| Noninterest expense to average assets | 2.5173% | 6,064 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3427% | 4,708 |
| Return on assets (ROA) | 0.5172% | 4,138 |
| Pretax return on assets | 0.6379% | 4,205 |
| Return on Equity (ROE) | 6.0060% | 3,643 |
| Retained earnings to average equity (ytd only) | 2.3023% | 4,057 |
| Net charge-offs to loans | 0.0882% | 5,312 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 9.8000% | 2,073 |
| Efficiency ratio | 85.6305% | 2,264 |
| Assets per employee ($millions) | 3.8723% | 3,937 |
| Cash dividends to net income (ytd only)* | 61.6667% | 1,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9626% | 6,487 |
| 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 | 53.1376% | 6,555 |
| Net loans and leases to deposits | 58.8802% | 6,971 |
| Net loans and leases to core deposits | 67.0286% | 7,170 |
| Total domestic deposits to total assets | 90.2471% | 731 |
| Equity capital to assets | 8.5607% | 5,957 |
| Core capital (leverage) ratio | 8.4414% | 5,541 |
| Tier 1 risk-based capital ratio | 13.0570% | 4,099 |
| Total risk-based capital ratio | 13.8516% | 4,360 |
| Memoranda: | ||
| Average total assets | $23,199,670 | 7,845 |
| Average earning assets | $21,017,000 | 7,827 |
| Average equity | $1,998,000 | 8,005 |
| Average total loans | $11,334,670 | 7,795 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7958% | 7,375 |
| Cost of funding earning assets | 1.8445% | 4,904 |
| Net interest margin | 2.9512% | 6,610 |
| Noninterest income to average assets | 0.3969% | 5,233 |
| Noninterest expense to average assets | 2.5191% | 5,767 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4334% | 4,729 |
| Return on assets (ROA) | 0.5521% | 4,392 |
| Pretax return on assets | 0.6384% | 4,625 |
| Return on Equity (ROE) | 6.3920% | 3,868 |
| Retained earnings to average equity (ytd only) | 2.1973% | 4,651 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4286% | 2,368 |
| Assets per employee ($millions) | 3.8748% | 3,931 |
| Cash dividends to net income (ytd only)* | 65.6250% | 1,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2077% | 4,754 |
| 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% | 7,590 |
| Net loans and leases to total assets | 43.9804% | 7,341 |
| Net loans and leases to deposits | 48.7741% | 7,547 |
| Net loans and leases to core deposits | 55.2553% | 7,644 |
| Total domestic deposits to total assets | 90.1716% | 721 |
| Equity capital to assets | 8.5939% | 5,920 |
| Core capital (leverage) ratio | 8.2823% | 5,936 |
| Tier 1 risk-based capital ratio | 14.6553% | 3,228 |
| Total risk-based capital ratio | 15.5900% | 3,323 |
| Memoranda: | ||
| Average total assets | $23,182,500 | 7,894 |
| Average earning assets | $20,601,500 | 7,887 |
| Average equity | $2,002,500 | 8,055 |
| Average total loans | $10,769,000 | 7,871 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 7,374 |
| Cost of funding earning assets | 2.3750% | 4,833 |
| Net interest margin | 3.0893% | 6,681 |
| Noninterest income to average assets | 0.3959% | 5,503 |
| Noninterest expense to average assets | 2.4721% | 6,120 |
| Loan and lease loss provision to assets | 0.0253% | 7,084 |
| Net operating income to assets | 0.6378% | 4,156 |
| Return on assets (ROA) | 0.6696% | 3,873 |
| Pretax return on assets | 0.7960% | 4,089 |
| Return on Equity (ROE) | 8.1555% | 3,003 |
| Retained earnings to average equity (ytd only) | 2.6159% | 3,560 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9379% | 3,242 |
| Assets per employee ($millions) | 3.8527% | 3,853 |
| Cash dividends to net income (ytd only)* | 67.9245% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1173% | 5,153 |
| 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 | 47.8586% | 7,199 |
| Net loans and leases to deposits | 53.2080% | 7,477 |
| Net loans and leases to core deposits | 62.8437% | 7,481 |
| Total domestic deposits to total assets | 89.9464% | 664 |
| Equity capital to assets | 8.6823% | 5,834 |
| Core capital (leverage) ratio | 8.4299% | 5,696 |
| Tier 1 risk-based capital ratio | 13.9583% | 3,564 |
| Total risk-based capital ratio | 14.8535% | 3,664 |
| Memoranda: | ||
| Average total assets | $23,744,800 | 7,883 |
| Average earning assets | $21,979,000 | 7,862 |
| Average equity | $1,949,600 | 8,129 |
| Average total loans | $10,913,000 | 7,895 |