Home > Lakes State Bank > Performance and Condition Ratios
Lakes State Bank, Performance and Condition Ratios
| 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 | 5.0714% | 508 |
| Cost of funding earning assets | 0.4381% | 2,900 |
| Net interest margin | 4.6332% | 466 |
| Noninterest income to average assets | 1.4442% | 560 |
| Noninterest expense to average assets | 3.9087% | 758 |
| Loan and lease loss provision to assets | 0.1765% | 1,098 |
| Net operating income to assets | 1.5783% | 738 |
| Return on assets (ROA) | 1.5783% | 773 |
| Pretax return on assets | 1.5783% | 1,321 |
| Return on Equity (ROE) | 12.2735% | 1,275 |
| Retained earnings to average equity (ytd only) | 12.2735% | 534 |
| Net charge-offs to loans | 0.0048% | 3,154 |
| Credit loss provision to net charge-offs | 5,000.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 497.0000% | 109 |
| Efficiency ratio | 69.0150% | 3,654 |
| Assets per employee ($millions) | 3.4783% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 1,621 |
| Loan loss allowance to noncurrent loans | 14,050.0000% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 4,250 |
| Noncurrent loans to loans | 0.0124% | 5,752 |
| Net loans and leases to total assets | 71.0872% | 1,969 |
| Net loans and leases to deposits | 82.4287% | 2,286 |
| Net loans and leases to core deposits | 88.0811% | 2,325 |
| Total domestic deposits to total assets | 86.2408% | 2,803 |
| Equity capital to assets | 13.3585% | 1,236 |
| Core capital (leverage) ratio | 11.8915% | 1,706 |
| Tier 1 risk-based capital ratio | 16.3504% | 2,755 |
| Total risk-based capital ratio | 17.6065% | 2,688 |
| Memoranda: | ||
| Average total assets | $113,284,500 | 4,300 |
| Average earning assets | $103,167,500 | 4,323 |
| Average equity | $14,568,000 | 3,982 |
| Average total loans | $83,796,000 | 3,801 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9948% | 783 |
| Cost of funding earning assets | 0.4710% | 2,974 |
| Net interest margin | 4.5238% | 712 |
| Noninterest income to average assets | 1.3250% | 703 |
| Noninterest expense to average assets | 3.6207% | 1,263 |
| Loan and lease loss provision to assets | 0.1711% | 1,518 |
| Net operating income to assets | 1.6517% | 637 |
| Return on assets (ROA) | 1.6517% | 662 |
| Pretax return on assets | 1.6543% | 1,089 |
| Return on Equity (ROE) | 13.8247% | 964 |
| Retained earnings to average equity (ytd only) | 5.3903% | 2,335 |
| Net charge-offs to loans | 0.0924% | 3,174 |
| Credit loss provision to net charge-offs | 265.3333% | 966 |
| Earnings coverage of net charge-offs (x) | 28.3067% | 1,397 |
| Efficiency ratio | 66.4825% | 4,158 |
| Assets per employee ($millions) | 3.4928% | 4,916 |
| Cash dividends to net income (ytd only)* | 61.0099% | 1,687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5575% | 2,238 |
| Loan loss allowance to noncurrent loans | 33,900.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 4,358 |
| Noncurrent loans to loans | 0.0046% | 5,908 |
| Net loans and leases to total assets | 74.3576% | 1,528 |
| Net loans and leases to deposits | 85.0764% | 2,087 |
| Net loans and leases to core deposits | 89.1935% | 2,363 |
| Total domestic deposits to total assets | 87.4009% | 2,080 |
| Equity capital to assets | 12.3779% | 1,716 |
| Core capital (leverage) ratio | 10.8966% | 2,499 |
| Tier 1 risk-based capital ratio | 15.2762% | 3,329 |
| Total risk-based capital ratio | 16.5306% | 3,278 |
| Memoranda: | ||
| Average total assets | $116,302,200 | 4,249 |
| Average earning assets | $105,951,000 | 4,270 |
| Average equity | $13,895,400 | 4,045 |
| Average total loans | $81,189,200 | 3,844 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9066% | 918 |
| Cost of funding earning assets | 0.4727% | 3,029 |
| Net interest margin | 4.4339% | 843 |
| Noninterest income to average assets | 1.3509% | 672 |
| Noninterest expense to average assets | 3.7713% | 1,010 |
| Loan and lease loss provision to assets | 0.1704% | 1,445 |
| Net operating income to assets | 1.4413% | 1,045 |
| Return on assets (ROA) | 1.4413% | 1,086 |
| Pretax return on assets | 1.4435% | 1,830 |
| Return on Equity (ROE) | 12.1714% | 1,434 |
| Retained earnings to average equity (ytd only) | 6.1147% | 2,338 |
| Net charge-offs to loans | 0.1154% | 2,648 |
| Credit loss provision to net charge-offs | 215.9420% | 1,190 |
| Earnings coverage of net charge-offs (x) | 20.4488% | 1,736 |
| Efficiency ratio | 70.0297% | 3,500 |
| Assets per employee ($millions) | 3.6259% | 4,622 |
| Cash dividends to net income (ytd only)* | 49.7619% | 1,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 2,379 |
| Loan loss allowance to noncurrent loans | 131,200.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 1.0923% | 2,777 |
| Noncurrent loans to loans | 0.0012% | 6,053 |
| Net loans and leases to total assets | 68.3824% | 2,470 |
| Net loans and leases to deposits | 78.0806% | 2,942 |
| Net loans and leases to core deposits | 82.9638% | 3,008 |
| Total domestic deposits to total assets | 87.5793% | 1,993 |
| Equity capital to assets | 11.8340% | 2,204 |
| Core capital (leverage) ratio | 10.7615% | 2,742 |
| Tier 1 risk-based capital ratio | 15.5140% | 3,310 |
| Total risk-based capital ratio | 16.7688% | 3,249 |
| Memoranda: | ||
| Average total assets | $116,562,250 | 4,291 |
| Average earning assets | $106,058,500 | 4,301 |
| Average equity | $13,802,500 | 4,077 |
| Average total loans | $79,721,000 | 3,914 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8174% | 1,046 |
| Cost of funding earning assets | 0.4737% | 3,079 |
| Net interest margin | 4.3436% | 950 |
| Noninterest income to average assets | 1.3399% | 668 |
| Noninterest expense to average assets | 3.7669% | 1,019 |
| Loan and lease loss provision to assets | 0.1731% | 1,416 |
| Net operating income to assets | 1.3503% | 1,184 |
| Return on assets (ROA) | 1.3503% | 1,229 |
| Pretax return on assets | 1.3520% | 2,077 |
| Return on Equity (ROE) | 11.4007% | 1,602 |
| Retained earnings to average equity (ytd only) | 5.6565% | 2,539 |
| Net charge-offs to loans | 0.0916% | 2,768 |
| Credit loss provision to net charge-offs | 277.7778% | 912 |
| Earnings coverage of net charge-offs (x) | 24.4722% | 1,431 |
| Efficiency ratio | 71.1809% | 3,473 |
| Assets per employee ($millions) | 3.5334% | 4,786 |
| Cash dividends to net income (ytd only)* | 50.3846% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6239% | 2,378 |
| Loan loss allowance to noncurrent loans | 581.1659% | 810 |
| Noncurrent assets plus other real estate owned to assets | 1.4511% | 2,245 |
| Noncurrent loans to loans | 0.2794% | 5,178 |
| Net loans and leases to total assets | 67.3356% | 2,528 |
| Net loans and leases to deposits | 76.8592% | 2,945 |
| Net loans and leases to core deposits | 82.2455% | 2,941 |
| Total domestic deposits to total assets | 87.6090% | 2,137 |
| Equity capital to assets | 11.9339% | 2,034 |
| Core capital (leverage) ratio | 11.2480% | 2,200 |
| Tier 1 risk-based capital ratio | 15.6695% | 3,259 |
| Total risk-based capital ratio | 16.9240% | 3,199 |
| Memoranda: | ||
| Average total assets | $115,531,330 | 4,338 |
| Average earning assets | $105,120,000 | 4,346 |
| Average equity | $13,683,330 | 4,103 |
| Average total loans | $78,583,000 | 3,955 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 1,137 |
| Cost of funding earning assets | 0.4778% | 3,138 |
| Net interest margin | 4.2776% | 1,044 |
| Noninterest income to average assets | 1.2209% | 742 |
| Noninterest expense to average assets | 3.7392% | 1,075 |
| Loan and lease loss provision to assets | 0.1739% | 1,391 |
| Net operating income to assets | 1.2279% | 1,407 |
| Return on assets (ROA) | 1.2279% | 1,460 |
| Pretax return on assets | 1.2313% | 2,341 |
| Return on Equity (ROE) | 10.4072% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.4072% | 876 |
| Net charge-offs to loans | 0.1744% | 1,671 |
| Credit loss provision to net charge-offs | 147.0588% | 1,279 |
| Earnings coverage of net charge-offs (x) | 11.8824% | 1,751 |
| Efficiency ratio | 72.6842% | 3,364 |
| Assets per employee ($millions) | 3.5875% | 4,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5831% | 2,778 |
| Loan loss allowance to noncurrent loans | 442.5532% | 1,047 |
| Noncurrent assets plus other real estate owned to assets | 1.8649% | 1,854 |
| Noncurrent loans to loans | 0.3577% | 5,047 |
| Net loans and leases to total assets | 69.7634% | 1,939 |
| Net loans and leases to deposits | 80.0029% | 2,293 |
| Net loans and leases to core deposits | 86.1559% | 2,304 |
| Total domestic deposits to total assets | 87.2011% | 2,701 |
| Equity capital to assets | 12.3897% | 1,631 |
| Core capital (leverage) ratio | 11.0875% | 2,313 |
| Tier 1 risk-based capital ratio | 15.8721% | 3,231 |
| Total risk-based capital ratio | 17.1229% | 3,193 |
| Memoranda: | ||
| Average total assets | $114,996,500 | 4,391 |
| Average earning assets | $105,478,500 | 4,375 |
| Average equity | $13,567,500 | 4,135 |
| Average total loans | $77,969,500 | 3,995 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 1,392 |
| Cost of funding earning assets | 0.5192% | 3,404 |
| Net interest margin | 4.2458% | 1,232 |
| Noninterest income to average assets | 1.2239% | 937 |
| Noninterest expense to average assets | 3.4971% | 1,659 |
| Loan and lease loss provision to assets | 0.1886% | 1,957 |
| Net operating income to assets | 1.4203% | 986 |
| Return on assets (ROA) | 1.4203% | 1,021 |
| Pretax return on assets | 1.4221% | 1,710 |
| Return on Equity (ROE) | 12.5019% | 1,277 |
| Retained earnings to average equity (ytd only) | 7.4689% | 1,247 |
| Net charge-offs to loans | 0.1840% | 2,998 |
| Credit loss provision to net charge-offs | 162.4060% | 1,405 |
| Earnings coverage of net charge-offs (x) | 13.8722% | 1,980 |
| Efficiency ratio | 68.4669% | 4,107 |
| Assets per employee ($millions) | 3.8316% | 4,198 |
| Cash dividends to net income (ytd only)* | 40.2581% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5978% | 2,772 |
| Loan loss allowance to noncurrent loans | 751.2195% | 665 |
| Noncurrent assets plus other real estate owned to assets | 1.6560% | 2,232 |
| Noncurrent loans to loans | 0.2127% | 5,543 |
| Net loans and leases to total assets | 63.8769% | 3,060 |
| Net loans and leases to deposits | 72.1453% | 3,502 |
| Net loans and leases to core deposits | 76.8280% | 3,512 |
| Total domestic deposits to total assets | 88.5393% | 1,892 |
| Equity capital to assets | 11.2443% | 2,390 |
| Core capital (leverage) ratio | 10.3772% | 3,054 |
| Tier 1 risk-based capital ratio | 15.5649% | 3,334 |
| Total risk-based capital ratio | 16.8188% | 3,285 |
| Memoranda: | ||
| Average total assets | $114,551,600 | 4,397 |
| Average earning assets | $104,786,600 | 4,390 |
| Average equity | $13,014,000 | 4,269 |
| Average total loans | $72,291,200 | 4,183 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7530% | 1,469 |
| Cost of funding earning assets | 0.5272% | 3,493 |
| Net interest margin | 4.2257% | 1,267 |
| Noninterest income to average assets | 1.3287% | 839 |
| Noninterest expense to average assets | 3.5455% | 1,507 |
| Loan and lease loss provision to assets | 0.2303% | 1,574 |
| Net operating income to assets | 1.4121% | 1,080 |
| Return on assets (ROA) | 1.4121% | 1,124 |
| Pretax return on assets | 1.4132% | 1,892 |
| Return on Equity (ROE) | 12.3961% | 1,371 |
| Retained earnings to average equity (ytd only) | 6.4146% | 2,178 |
| Net charge-offs to loans | 0.2138% | 2,544 |
| Credit loss provision to net charge-offs | 171.9298% | 1,385 |
| Earnings coverage of net charge-offs (x) | 12.2716% | 2,153 |
| Efficiency ratio | 68.3269% | 4,031 |
| Assets per employee ($millions) | 3.7904% | 4,269 |
| Cash dividends to net income (ytd only)* | 48.2526% | 1,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6411% | 2,836 |
| Loan loss allowance to noncurrent loans | 236.7308% | 1,713 |
| Noncurrent assets plus other real estate owned to assets | 1.4868% | 2,704 |
| Noncurrent loans to loans | 0.6932% | 4,470 |
| Net loans and leases to total assets | 62.7918% | 3,202 |
| Net loans and leases to deposits | 71.0382% | 3,636 |
| Net loans and leases to core deposits | 77.4514% | 3,433 |
| Total domestic deposits to total assets | 88.3916% | 1,898 |
| Equity capital to assets | 11.0978% | 2,668 |
| Core capital (leverage) ratio | 10.0219% | 3,652 |
| Tier 1 risk-based capital ratio | 15.6310% | 3,382 |
| Total risk-based capital ratio | 16.8824% | 3,346 |
| Memoranda: | ||
| Average total assets | $113,494,500 | 4,466 |
| Average earning assets | $103,679,750 | 4,453 |
| Average equity | $12,928,500 | 4,324 |
| Average total loans | $71,087,750 | 4,259 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7742% | 1,385 |
| Cost of funding earning assets | 0.5383% | 3,518 |
| Net interest margin | 4.2359% | 1,183 |
| Noninterest income to average assets | 1.3766% | 828 |
| Noninterest expense to average assets | 3.4629% | 1,692 |
| Loan and lease loss provision to assets | 0.2996% | 1,206 |
| Net operating income to assets | 1.4711% | 950 |
| Return on assets (ROA) | 1.4711% | 1,027 |
| Pretax return on assets | 1.4729% | 1,702 |
| Return on Equity (ROE) | 12.7993% | 1,286 |
| Retained earnings to average equity (ytd only) | 6.0661% | 2,393 |
| Net charge-offs to loans | 0.1519% | 2,887 |
| Credit loss provision to net charge-offs | 316.9811% | 816 |
| Earnings coverage of net charge-offs (x) | 18.7547% | 1,541 |
| Efficiency ratio | 66.1444% | 4,527 |
| Assets per employee ($millions) | 3.3381% | 5,192 |
| Cash dividends to net income (ytd only)* | 52.6061% | 1,757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7704% | 2,528 |
| Loan loss allowance to noncurrent loans | 318.3879% | 1,326 |
| Noncurrent assets plus other real estate owned to assets | 1.7489% | 2,491 |
| Noncurrent loans to loans | 0.5560% | 4,867 |
| Net loans and leases to total assets | 61.7937% | 3,330 |
| Net loans and leases to deposits | 69.8622% | 3,733 |
| Net loans and leases to core deposits | 76.4078% | 3,495 |
| Total domestic deposits to total assets | 88.4508% | 1,949 |
| Equity capital to assets | 11.1686% | 2,587 |
| Core capital (leverage) ratio | 10.3889% | 3,000 |
| Tier 1 risk-based capital ratio | 15.8568% | 3,287 |
| Total risk-based capital ratio | 17.1129% | 3,227 |
| Memoranda: | ||
| Average total assets | $112,159,000 | 4,535 |
| Average earning assets | $102,173,670 | 4,517 |
| Average equity | $12,891,330 | 4,360 |
| Average total loans | $69,779,670 | 4,316 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7148% | 1,494 |
| Cost of funding earning assets | 0.5489% | 3,579 |
| Net interest margin | 4.1660% | 1,287 |
| Noninterest income to average assets | 1.5679% | 627 |
| Noninterest expense to average assets | 3.3151% | 2,048 |
| Loan and lease loss provision to assets | 0.3014% | 1,145 |
| Net operating income to assets | 1.7365% | 535 |
| Return on assets (ROA) | 1.7365% | 593 |
| Pretax return on assets | 1.7365% | 993 |
| Return on Equity (ROE) | 14.8935% | 792 |
| Retained earnings to average equity (ytd only) | 14.8935% | 363 |
| Net charge-offs to loans | 0.2436% | 1,995 |
| Credit loss provision to net charge-offs | 200.0000% | 1,079 |
| Earnings coverage of net charge-offs (x) | 13.5238% | 1,525 |
| Efficiency ratio | 61.9303% | 5,310 |
| Assets per employee ($millions) | 3.3261% | 5,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7287% | 2,883 |
| Loan loss allowance to noncurrent loans | 633.5106% | 693 |
| Noncurrent assets plus other real estate owned to assets | 2.1292% | 2,207 |
| Noncurrent loans to loans | 0.2729% | 5,722 |
| Net loans and leases to total assets | 61.6828% | 3,126 |
| Net loans and leases to deposits | 70.3949% | 3,408 |
| Net loans and leases to core deposits | 77.0701% | 3,195 |
| Total domestic deposits to total assets | 87.6239% | 2,553 |
| Equity capital to assets | 12.0627% | 2,000 |
| Core capital (leverage) ratio | 10.5418% | 2,719 |
| Tier 1 risk-based capital ratio | 16.0975% | 3,212 |
| Total risk-based capital ratio | 17.3524% | 3,164 |
| Memoranda: | ||
| Average total assets | $111,490,000 | 4,587 |
| Average earning assets | $101,297,000 | 4,584 |
| Average equity | $12,999,000 | 4,384 |
| Average total loans | $68,970,500 | 4,376 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1102% | 1,287 |
| Cost of funding earning assets | 0.6395% | 4,008 |
| Net interest margin | 4.4707% | 1,000 |
| Noninterest income to average assets | 1.3138% | 889 |
| Noninterest expense to average assets | 3.4915% | 1,829 |
| Loan and lease loss provision to assets | 0.5301% | 1,092 |
| Net operating income to assets | 1.3120% | 1,266 |
| Return on assets (ROA) | 1.3120% | 1,407 |
| Pretax return on assets | 1.3138% | 2,341 |
| Return on Equity (ROE) | 11.0843% | 1,778 |
| Retained earnings to average equity (ytd only) | 1.8383% | 4,928 |
| Net charge-offs to loans | 0.4253% | 2,534 |
| Credit loss provision to net charge-offs | 194.9153% | 1,339 |
| Earnings coverage of net charge-offs (x) | 6.7797% | 2,739 |
| Efficiency ratio | 65.4398% | 4,615 |
| Assets per employee ($millions) | 3.7740% | 4,416 |
| Cash dividends to net income (ytd only)* | 83.4153% | 893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6641% | 3,072 |
| Loan loss allowance to noncurrent loans | 267.2093% | 1,437 |
| Noncurrent assets plus other real estate owned to assets | 2.3441% | 2,095 |
| Noncurrent loans to loans | 0.6228% | 4,960 |
| Net loans and leases to total assets | 59.9700% | 3,606 |
| Net loans and leases to deposits | 67.7165% | 4,025 |
| Net loans and leases to core deposits | 73.5958% | 3,833 |
| Total domestic deposits to total assets | 88.5603% | 1,864 |
| Equity capital to assets | 11.2683% | 2,666 |
| Core capital (leverage) ratio | 9.8267% | 3,630 |
| Tier 1 risk-based capital ratio | 15.5262% | 3,406 |
| Total risk-based capital ratio | 16.7817% | 3,370 |
| Memoranda: | ||
| Average total assets | $108,464,000 | 4,627 |
| Average earning assets | $97,569,600 | 4,654 |
| Average equity | $12,838,000 | 4,394 |
| Average total loans | $69,357,200 | 4,376 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1655% | 1,265 |
| Cost of funding earning assets | 0.6569% | 4,134 |
| Net interest margin | 4.5085% | 975 |
| Noninterest income to average assets | 1.2653% | 923 |
| Noninterest expense to average assets | 3.4428% | 1,891 |
| Loan and lease loss provision to assets | 0.5593% | 1,027 |
| Net operating income to assets | 1.3038% | 1,437 |
| Return on assets (ROA) | 1.3038% | 1,578 |
| Pretax return on assets | 1.3063% | 2,587 |
| Return on Equity (ROE) | 10.8775% | 2,003 |
| Retained earnings to average equity (ytd only) | 6.1387% | 2,612 |
| Net charge-offs to loans | 0.5185% | 2,053 |
| Credit loss provision to net charge-offs | 166.6667% | 1,665 |
| Earnings coverage of net charge-offs (x) | 5.5593% | 2,992 |
| Efficiency ratio | 64.8560% | 4,648 |
| Assets per employee ($millions) | 3.5448% | 4,861 |
| Cash dividends to net income (ytd only)* | 43.5655% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4887% | 4,005 |
| Loan loss allowance to noncurrent loans | 196.4419% | 1,807 |
| Noncurrent assets plus other real estate owned to assets | 2.4949% | 2,124 |
| Noncurrent loans to loans | 0.7578% | 4,903 |
| Net loans and leases to total assets | 61.1965% | 3,533 |
| Net loans and leases to deposits | 69.5575% | 3,956 |
| Net loans and leases to core deposits | 75.4467% | 3,798 |
| Total domestic deposits to total assets | 87.9797% | 2,055 |
| Equity capital to assets | 11.5901% | 2,659 |
| Core capital (leverage) ratio | 10.3831% | 3,058 |
| Tier 1 risk-based capital ratio | 15.9986% | 3,259 |
| Total risk-based capital ratio | 17.2515% | 3,227 |
| Memoranda: | ||
| Average total assets | $107,275,000 | 4,698 |
| Average earning assets | $96,200,000 | 4,736 |
| Average equity | $12,858,000 | 4,426 |
| Average total loans | $69,434,750 | 4,412 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2718% | 1,103 |
| Cost of funding earning assets | 0.6826% | 4,161 |
| Net interest margin | 4.5892% | 850 |
| Noninterest income to average assets | 1.2089% | 979 |
| Noninterest expense to average assets | 3.4764% | 1,840 |
| Loan and lease loss provision to assets | 0.5702% | 1,067 |
| Net operating income to assets | 1.2621% | 1,538 |
| Return on assets (ROA) | 1.2621% | 1,706 |
| Pretax return on assets | 1.2640% | 2,673 |
| Return on Equity (ROE) | 10.4062% | 2,213 |
| Retained earnings to average equity (ytd only) | 6.0180% | 2,708 |
| Net charge-offs to loans | 0.5182% | 2,034 |
| Credit loss provision to net charge-offs | 167.5978% | 1,664 |
| Earnings coverage of net charge-offs (x) | 5.3911% | 2,852 |
| Efficiency ratio | 65.4617% | 4,632 |
| Assets per employee ($millions) | 3.4611% | 5,066 |
| Cash dividends to net income (ytd only)* | 42.1687% | 2,079 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4161% | 4,398 |
| Loan loss allowance to noncurrent loans | 119.4210% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 2.5290% | 2,212 |
| Noncurrent loans to loans | 1.1858% | 4,173 |
| Net loans and leases to total assets | 62.2260% | 3,383 |
| Net loans and leases to deposits | 70.7398% | 3,791 |
| Net loans and leases to core deposits | 79.1645% | 3,344 |
| Total domestic deposits to total assets | 87.9645% | 2,166 |
| Equity capital to assets | 11.6833% | 2,426 |
| Core capital (leverage) ratio | 10.6641% | 2,645 |
| Tier 1 risk-based capital ratio | 15.7219% | 3,318 |
| Total risk-based capital ratio | 16.9734% | 3,282 |
| Memoranda: | ||
| Average total assets | $105,222,330 | 4,766 |
| Average earning assets | $94,047,670 | 4,815 |
| Average equity | $12,761,670 | 4,443 |
| Average total loans | $69,091,000 | 4,443 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 1,069 |
| Cost of funding earning assets | 0.7283% | 4,041 |
| Net interest margin | 4.5848% | 849 |
| Noninterest income to average assets | 1.0385% | 1,341 |
| Noninterest expense to average assets | 3.4395% | 1,917 |
| Loan and lease loss provision to assets | 0.5856% | 981 |
| Net operating income to assets | 1.0932% | 2,122 |
| Return on assets (ROA) | 1.0932% | 2,312 |
| Pretax return on assets | 1.0932% | 3,349 |
| Return on Equity (ROE) | 8.8380% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.8380% | 1,648 |
| Net charge-offs to loans | 0.5416% | 1,733 |
| Credit loss provision to net charge-offs | 161.2903% | 1,575 |
| Earnings coverage of net charge-offs (x) | 4.6237% | 2,536 |
| Efficiency ratio | 67.2006% | 4,322 |
| Assets per employee ($millions) | 3.4239% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3240% | 4,913 |
| Loan loss allowance to noncurrent loans | 72.7416% | 3,936 |
| Noncurrent assets plus other real estate owned to assets | 3.3295% | 1,733 |
| Noncurrent loans to loans | 1.8201% | 3,379 |
| Net loans and leases to total assets | 67.1895% | 2,259 |
| Net loans and leases to deposits | 77.0128% | 2,675 |
| Net loans and leases to core deposits | 84.7319% | 2,449 |
| Total domestic deposits to total assets | 87.2446% | 2,805 |
| Equity capital to assets | 12.4439% | 1,757 |
| Core capital (leverage) ratio | 11.0730% | 2,204 |
| Tier 1 risk-based capital ratio | 15.8085% | 3,275 |
| Total risk-based capital ratio | 17.0601% | 3,244 |
| Memoranda: | ||
| Average total assets | $102,455,500 | 4,878 |
| Average earning assets | $91,170,500 | 4,931 |
| Average equity | $12,672,500 | 4,470 |
| Average total loans | $68,682,000 | 4,489 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4628% | 1,259 |
| Cost of funding earning assets | 0.9546% | 3,693 |
| Net interest margin | 4.5082% | 1,113 |
| Noninterest income to average assets | 1.2362% | 854 |
| Noninterest expense to average assets | 3.6577% | 1,624 |
| Loan and lease loss provision to assets | 0.6049% | 1,709 |
| Net operating income to assets | 0.9757% | 2,298 |
| Return on assets (ROA) | 0.9757% | 2,434 |
| Pretax return on assets | 0.9776% | 3,326 |
| Return on Equity (ROE) | 8.1872% | 2,813 |
| Retained earnings to average equity (ytd only) | 4.6667% | 2,876 |
| Net charge-offs to loans | 0.8671% | 2,000 |
| Credit loss provision to net charge-offs | 105.9829% | 3,217 |
| Earnings coverage of net charge-offs (x) | 2.7726% | 3,838 |
| Efficiency ratio | 69.8008% | 4,006 |
| Assets per employee ($millions) | 3.4065% | 5,232 |
| Cash dividends to net income (ytd only)* | 43.0000% | 2,420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2889% | 4,965 |
| Loan loss allowance to noncurrent loans | 96.6630% | 3,124 |
| Noncurrent assets plus other real estate owned to assets | 3.0168% | 1,995 |
| Noncurrent loans to loans | 1.3334% | 4,145 |
| Net loans and leases to total assets | 65.1252% | 2,950 |
| Net loans and leases to deposits | 74.4294% | 3,430 |
| Net loans and leases to core deposits | 82.2233% | 3,152 |
| Total domestic deposits to total assets | 87.4993% | 2,473 |
| Equity capital to assets | 12.2933% | 1,917 |
| Core capital (leverage) ratio | 10.4631% | 2,769 |
| Tier 1 risk-based capital ratio | 15.7649% | 3,178 |
| Total risk-based capital ratio | 17.0148% | 3,141 |
| Memoranda: | ||
| Average total assets | $102,495,600 | 4,834 |
| Average earning assets | $91,034,200 | 4,890 |
| Average equity | $12,214,200 | 4,500 |
| Average total loans | $67,470,000 | 4,580 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4647% | 1,354 |
| Cost of funding earning assets | 0.9970% | 3,690 |
| Net interest margin | 4.4676% | 1,225 |
| Noninterest income to average assets | 1.1491% | 996 |
| Noninterest expense to average assets | 3.6397% | 1,629 |
| Loan and lease loss provision to assets | 0.6109% | 1,612 |
| Net operating income to assets | 0.8696% | 2,860 |
| Return on assets (ROA) | 0.8696% | 3,008 |
| Pretax return on assets | 0.8709% | 3,876 |
| Return on Equity (ROE) | 7.3553% | 3,356 |
| Retained earnings to average equity (ytd only) | 4.9476% | 3,208 |
| Net charge-offs to loans | 0.6658% | 2,248 |
| Credit loss provision to net charge-offs | 139.4659% | 2,287 |
| Earnings coverage of net charge-offs (x) | 3.3828% | 3,461 |
| Efficiency ratio | 71.0660% | 3,729 |
| Assets per employee ($millions) | 3.5517% | 4,874 |
| Cash dividends to net income (ytd only)* | 32.7350% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4911% | 4,144 |
| Loan loss allowance to noncurrent loans | 89.8699% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 3.0558% | 2,099 |
| Noncurrent loans to loans | 1.6592% | 3,810 |
| Net loans and leases to total assets | 59.9578% | 4,135 |
| Net loans and leases to deposits | 68.2262% | 4,564 |
| Net loans and leases to core deposits | 74.3411% | 4,403 |
| Total domestic deposits to total assets | 87.8808% | 2,106 |
| Equity capital to assets | 11.6997% | 2,497 |
| Core capital (leverage) ratio | 10.4783% | 2,892 |
| Tier 1 risk-based capital ratio | 15.9957% | 3,122 |
| Total risk-based capital ratio | 17.2479% | 3,080 |
| Memoranda: | ||
| Average total assets | $102,571,000 | 4,853 |
| Average earning assets | $91,201,750 | 4,921 |
| Average equity | $12,127,000 | 4,531 |
| Average total loans | $67,481,750 | 4,612 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5758% | 1,121 |
| Cost of funding earning assets | 1.0523% | 3,584 |
| Net interest margin | 4.5235% | 1,074 |
| Noninterest income to average assets | 1.1556% | 963 |
| Noninterest expense to average assets | 3.7967% | 1,351 |
| Loan and lease loss provision to assets | 0.6321% | 1,517 |
| Net operating income to assets | 0.7329% | 3,374 |
| Return on assets (ROA) | 0.7329% | 3,492 |
| Pretax return on assets | 0.7349% | 4,262 |
| Return on Equity (ROE) | 6.1761% | 3,871 |
| Retained earnings to average equity (ytd only) | 3.6957% | 3,865 |
| Net charge-offs to loans | 0.8924% | 1,742 |
| Credit loss provision to net charge-offs | 104.9180% | 2,941 |
| Earnings coverage of net charge-offs (x) | 2.2689% | 3,694 |
| Efficiency ratio | 73.5272% | 3,460 |
| Assets per employee ($millions) | 3.2865% | 5,448 |
| Cash dividends to net income (ytd only)* | 40.1617% | 2,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 5,333 |
| Loan loss allowance to noncurrent loans | 120.7681% | 2,424 |
| Noncurrent assets plus other real estate owned to assets | 3.1831% | 2,110 |
| Noncurrent loans to loans | 1.0318% | 4,936 |
| Net loans and leases to total assets | 66.0414% | 3,016 |
| Net loans and leases to deposits | 75.3767% | 3,580 |
| Net loans and leases to core deposits | 82.5269% | 3,427 |
| Total domestic deposits to total assets | 87.6152% | 2,398 |
| Equity capital to assets | 12.0059% | 2,082 |
| Core capital (leverage) ratio | 10.7116% | 2,508 |
| Tier 1 risk-based capital ratio | 15.3566% | 3,320 |
| Total risk-based capital ratio | 16.6165% | 3,270 |
| Memoranda: | ||
| Average total assets | $101,244,670 | 4,925 |
| Average earning assets | $89,709,670 | 5,001 |
| Average equity | $12,014,000 | 4,559 |
| Average total loans | $68,358,330 | 4,635 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5145% | 1,259 |
| Cost of funding earning assets | 1.1136% | 3,430 |
| Net interest margin | 4.4008% | 1,274 |
| Noninterest income to average assets | 1.3436% | 715 |
| Noninterest expense to average assets | 3.6106% | 1,750 |
| Loan and lease loss provision to assets | 0.5945% | 1,451 |
| Net operating income to assets | 1.0344% | 2,053 |
| Return on assets (ROA) | 1.0344% | 2,104 |
| Pretax return on assets | 1.0384% | 2,993 |
| Return on Equity (ROE) | 8.7694% | 2,577 |
| Retained earnings to average equity (ytd only) | 8.7694% | 1,466 |
| Net charge-offs to loans | 0.6485% | 1,908 |
| Credit loss provision to net charge-offs | 135.1351% | 2,058 |
| Earnings coverage of net charge-offs (x) | 3.7117% | 2,659 |
| Efficiency ratio | 68.8587% | 4,500 |
| Assets per employee ($millions) | 3.2700% | 5,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 5,118 |
| Loan loss allowance to noncurrent loans | 84.0231% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 4.0897% | 1,633 |
| Noncurrent loans to loans | 1.5489% | 4,143 |
| Net loans and leases to total assets | 67.4896% | 2,656 |
| Net loans and leases to deposits | 77.2447% | 3,207 |
| Net loans and leases to core deposits | 83.1895% | 3,281 |
| Total domestic deposits to total assets | 87.3712% | 2,725 |
| Equity capital to assets | 12.2741% | 1,752 |
| Core capital (leverage) ratio | 10.5116% | 2,598 |
| Tier 1 risk-based capital ratio | 15.4354% | 3,187 |
| Total risk-based capital ratio | 16.6865% | 3,143 |
| Memoranda: | ||
| Average total assets | $100,925,500 | 4,982 |
| Average earning assets | $89,437,500 | 5,043 |
| Average equity | $11,905,000 | 4,572 |
| Average total loans | $68,470,500 | 4,671 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7510% | 1,400 |
| Cost of funding earning assets | 1.5933% | 2,106 |
| Net interest margin | 4.1577% | 2,332 |
| Noninterest income to average assets | 1.4324% | 699 |
| Noninterest expense to average assets | 3.6045% | 1,912 |
| Loan and lease loss provision to assets | 0.5195% | 3,079 |
| Net operating income to assets | 0.9841% | 2,095 |
| Return on assets (ROA) | 0.9841% | 2,205 |
| Pretax return on assets | 0.9860% | 2,975 |
| Return on Equity (ROE) | 8.7536% | 2,397 |
| Retained earnings to average equity (ytd only) | 4.3982% | 2,774 |
| Net charge-offs to loans | 0.8877% | 2,414 |
| Credit loss provision to net charge-offs | 85.7143% | 5,304 |
| Earnings coverage of net charge-offs (x) | 2.4841% | 3,876 |
| Efficiency ratio | 70.5384% | 4,066 |
| Assets per employee ($millions) | 3.4583% | 5,032 |
| Cash dividends to net income (ytd only)* | 49.7556% | 2,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 5,548 |
| Loan loss allowance to noncurrent loans | 448.3871% | 705 |
| Noncurrent assets plus other real estate owned to assets | 2.3480% | 2,922 |
| Noncurrent loans to loans | 0.2662% | 6,527 |
| Net loans and leases to total assets | 66.5311% | 3,346 |
| Net loans and leases to deposits | 75.2967% | 3,959 |
| Net loans and leases to core deposits | 82.3965% | 3,840 |
| Total domestic deposits to total assets | 88.3586% | 2,034 |
| Equity capital to assets | 11.3436% | 2,379 |
| Core capital (leverage) ratio | 9.5731% | 3,598 |
| Tier 1 risk-based capital ratio | 14.6139% | 3,472 |
| Total risk-based capital ratio | 15.8174% | 3,459 |
| Memoranda: | ||
| Average total assets | $103,952,200 | 4,871 |
| Average earning assets | $91,950,000 | 4,945 |
| Average equity | $11,686,600 | 4,701 |
| Average total loans | $70,967,400 | 4,649 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7434% | 1,570 |
| Cost of funding earning assets | 1.6723% | 1,996 |
| Net interest margin | 4.0711% | 2,754 |
| Noninterest income to average assets | 1.4410% | 648 |
| Noninterest expense to average assets | 3.6613% | 1,646 |
| Loan and lease loss provision to assets | 0.4807% | 3,068 |
| Net operating income to assets | 0.8948% | 2,636 |
| Return on assets (ROA) | 0.8948% | 2,785 |
| Pretax return on assets | 0.8974% | 3,566 |
| Return on Equity (ROE) | 7.9774% | 2,910 |
| Retained earnings to average equity (ytd only) | 4.2744% | 3,485 |
| Net charge-offs to loans | 0.6812% | 2,721 |
| Credit loss provision to net charge-offs | 103.0220% | 4,169 |
| Earnings coverage of net charge-offs (x) | 2.9533% | 3,654 |
| Efficiency ratio | 72.6533% | 3,578 |
| Assets per employee ($millions) | 3.7503% | 4,392 |
| Cash dividends to net income (ytd only)* | 46.4186% | 1,789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 4,810 |
| Loan loss allowance to noncurrent loans | 65.3846% | 4,031 |
| Noncurrent assets plus other real estate owned to assets | 3.0591% | 2,367 |
| Noncurrent loans to loans | 2.0302% | 3,641 |
| Net loans and leases to total assets | 63.9033% | 4,146 |
| Net loans and leases to deposits | 72.8848% | 4,711 |
| Net loans and leases to core deposits | 80.1624% | 4,496 |
| Total domestic deposits to total assets | 87.6772% | 2,171 |
| Equity capital to assets | 10.8902% | 3,065 |
| Core capital (leverage) ratio | 9.4121% | 4,039 |
| Tier 1 risk-based capital ratio | 14.2247% | 3,682 |
| Total risk-based capital ratio | 15.4752% | 3,647 |
| Memoranda: | ||
| Average total assets | $104,002,750 | 4,933 |
| Average earning assets | $91,929,250 | 5,014 |
| Average equity | $11,666,000 | 4,773 |
| Average total loans | $71,244,250 | 4,708 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8240% | 1,364 |
| Cost of funding earning assets | 1.7417% | 1,910 |
| Net interest margin | 4.0823% | 2,641 |
| Noninterest income to average assets | 1.4060% | 642 |
| Noninterest expense to average assets | 3.7728% | 1,405 |
| Loan and lease loss provision to assets | 0.4882% | 2,854 |
| Net operating income to assets | 0.7772% | 3,078 |
| Return on assets (ROA) | 0.7772% | 3,223 |
| Pretax return on assets | 0.7792% | 3,957 |
| Return on Equity (ROE) | 6.8581% | 3,367 |
| Retained earnings to average equity (ytd only) | 3.6875% | 3,755 |
| Net charge-offs to loans | 0.8334% | 2,173 |
| Credit loss provision to net charge-offs | 83.8926% | 4,596 |
| Earnings coverage of net charge-offs (x) | 2.1779% | 3,928 |
| Efficiency ratio | 74.8547% | 3,288 |
| Assets per employee ($millions) | 3.4693% | 4,996 |
| Cash dividends to net income (ytd only)* | 46.2312% | 1,834 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 5,239 |
| Loan loss allowance to noncurrent loans | 68.2243% | 3,926 |
| Noncurrent assets plus other real estate owned to assets | 2.8171% | 2,563 |
| Noncurrent loans to loans | 1.8175% | 3,980 |
| Net loans and leases to total assets | 67.0372% | 3,613 |
| Net loans and leases to deposits | 76.7440% | 4,198 |
| Net loans and leases to core deposits | 83.6513% | 4,177 |
| Total domestic deposits to total assets | 87.3518% | 2,354 |
| Equity capital to assets | 11.2396% | 2,651 |
| Core capital (leverage) ratio | 9.5241% | 3,786 |
| Tier 1 risk-based capital ratio | 13.9741% | 3,749 |
| Total risk-based capital ratio | 15.2198% | 3,710 |
| Memoranda: | ||
| Average total assets | $102,417,670 | 5,008 |
| Average earning assets | $91,174,670 | 5,060 |
| Average equity | $11,606,670 | 4,780 |
| Average total loans | $71,514,000 | 4,735 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7909% | 1,494 |
| Cost of funding earning assets | 1.7919% | 1,908 |
| Net interest margin | 3.9990% | 2,877 |
| Noninterest income to average assets | 1.4136% | 603 |
| Noninterest expense to average assets | 3.6737% | 1,564 |
| Loan and lease loss provision to assets | 0.4922% | 2,530 |
| Net operating income to assets | 0.8505% | 2,749 |
| Return on assets (ROA) | 0.8505% | 2,843 |
| Pretax return on assets | 0.8505% | 3,667 |
| Return on Equity (ROE) | 7.4734% | 3,125 |
| Retained earnings to average equity (ytd only) | 7.4734% | 1,936 |
| Net charge-offs to loans | 0.9952% | 1,649 |
| Credit loss provision to net charge-offs | 69.8324% | 4,104 |
| Earnings coverage of net charge-offs (x) | 1.9050% | 3,590 |
| Efficiency ratio | 73.2339% | 3,714 |
| Assets per employee ($millions) | 3.1831% | 5,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2204% | 5,394 |
| Loan loss allowance to noncurrent loans | 114.1732% | 2,419 |
| Noncurrent assets plus other real estate owned to assets | 3.2781% | 2,186 |
| Noncurrent loans to loans | 1.0689% | 5,210 |
| Net loans and leases to total assets | 69.1364% | 3,131 |
| Net loans and leases to deposits | 79.3199% | 3,777 |
| Net loans and leases to core deposits | 87.3796% | 3,697 |
| Total domestic deposits to total assets | 87.1615% | 2,541 |
| Equity capital to assets | 11.4355% | 2,413 |
| Core capital (leverage) ratio | 9.8428% | 3,352 |
| Tier 1 risk-based capital ratio | 13.7194% | 3,851 |
| Total risk-based capital ratio | 14.9338% | 3,825 |
| Memoranda: | ||
| Average total assets | $101,587,500 | 5,098 |
| Average earning assets | $91,523,000 | 5,120 |
| Average equity | $11,561,000 | 4,830 |
| Average total loans | $71,947,500 | 4,787 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3862% | 858 |
| Cost of funding earning assets | 2.1454% | 2,253 |
| Net interest margin | 4.2408% | 1,934 |
| Noninterest income to average assets | 1.2741% | 928 |
| Noninterest expense to average assets | 3.5970% | 2,154 |
| Loan and lease loss provision to assets | 0.4474% | 4,144 |
| Net operating income to assets | 1.0459% | 1,683 |
| Return on assets (ROA) | 1.0459% | 1,728 |
| Pretax return on assets | 1.0479% | 2,423 |
| Return on Equity (ROE) | 9.2463% | 1,940 |
| Retained earnings to average equity (ytd only) | 4.4595% | 2,132 |
| Net charge-offs to loans | 0.5879% | 3,454 |
| Credit loss provision to net charge-offs | 99.1131% | 5,627 |
| Earnings coverage of net charge-offs (x) | 3.3126% | 3,406 |
| Efficiency ratio | 70.6368% | 4,504 |
| Assets per employee ($millions) | 3.1662% | 5,801 |
| Cash dividends to net income (ytd only)* | 51.7703% | 2,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2727% | 4,920 |
| Loan loss allowance to noncurrent loans | 47.7519% | 5,207 |
| Noncurrent assets plus other real estate owned to assets | 3.2512% | 2,112 |
| Noncurrent loans to loans | 2.6651% | 2,882 |
| Net loans and leases to total assets | 70.7482% | 3,069 |
| Net loans and leases to deposits | 81.0429% | 3,787 |
| Net loans and leases to core deposits | 121.6111% | 1,827 |
| Total domestic deposits to total assets | 87.2973% | 2,329 |
| Equity capital to assets | 11.3249% | 2,449 |
| Core capital (leverage) ratio | 9.4651% | 3,766 |
| Tier 1 risk-based capital ratio | 13.5284% | 3,803 |
| Total risk-based capital ratio | 14.7795% | 3,747 |
| Memoranda: | ||
| Average total assets | $99,915,600 | 5,089 |
| Average earning assets | $89,960,000 | 5,119 |
| Average equity | $11,301,800 | 4,941 |
| Average total loans | $76,707,600 | 4,630 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4877% | 768 |
| Cost of funding earning assets | 2.1864% | 2,469 |
| Net interest margin | 4.3013% | 1,731 |
| Noninterest income to average assets | 1.3445% | 845 |
| Noninterest expense to average assets | 3.6531% | 1,916 |
| Loan and lease loss provision to assets | 0.4647% | 3,585 |
| Net operating income to assets | 1.0967% | 1,742 |
| Return on assets (ROA) | 1.0967% | 1,800 |
| Pretax return on assets | 1.0994% | 2,574 |
| Return on Equity (ROE) | 9.6989% | 2,034 |
| Retained earnings to average equity (ytd only) | 5.0567% | 2,452 |
| Net charge-offs to loans | 0.4717% | 3,340 |
| Credit loss provision to net charge-offs | 126.1818% | 3,986 |
| Earnings coverage of net charge-offs (x) | 4.2472% | 3,199 |
| Efficiency ratio | 70.0205% | 4,586 |
| Assets per employee ($millions) | 3.2818% | 5,448 |
| Cash dividends to net income (ytd only)* | 47.8630% | 2,105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 4,353 |
| Loan loss allowance to noncurrent loans | 101.3171% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 2.6148% | 2,662 |
| Noncurrent loans to loans | 1.3077% | 4,755 |
| Net loans and leases to total assets | 70.9190% | 3,288 |
| Net loans and leases to deposits | 82.7743% | 3,874 |
| Net loans and leases to core deposits | 122.8061% | 2,010 |
| Total domestic deposits to total assets | 85.6776% | 2,873 |
| Equity capital to assets | 10.8906% | 3,124 |
| Core capital (leverage) ratio | 9.3181% | 4,161 |
| Tier 1 risk-based capital ratio | 13.0795% | 4,135 |
| Total risk-based capital ratio | 14.3304% | 4,068 |
| Memoranda: | ||
| Average total assets | $99,565,250 | 5,130 |
| Average earning assets | $89,644,000 | 5,176 |
| Average equity | $11,258,750 | 5,000 |
| Average total loans | $77,733,500 | 4,638 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5614% | 710 |
| Cost of funding earning assets | 2.2127% | 2,734 |
| Net interest margin | 4.3487% | 1,529 |
| Noninterest income to average assets | 1.3872% | 793 |
| Noninterest expense to average assets | 3.6932% | 1,855 |
| Loan and lease loss provision to assets | 0.5054% | 3,011 |
| Net operating income to assets | 1.1315% | 1,660 |
| Return on assets (ROA) | 1.1315% | 1,739 |
| Pretax return on assets | 1.1335% | 2,523 |
| Return on Equity (ROE) | 9.8756% | 2,063 |
| Retained earnings to average equity (ytd only) | 5.0003% | 2,504 |
| Net charge-offs to loans | 0.4128% | 3,141 |
| Credit loss provision to net charge-offs | 152.4691% | 3,014 |
| Earnings coverage of net charge-offs (x) | 4.9444% | 2,949 |
| Efficiency ratio | 69.2632% | 4,935 |
| Assets per employee ($millions) | 3.0124% | 6,094 |
| Cash dividends to net income (ytd only)* | 49.3671% | 2,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2772% | 4,413 |
| Loan loss allowance to noncurrent loans | 94.5845% | 3,041 |
| Noncurrent assets plus other real estate owned to assets | 2.9172% | 2,186 |
| Noncurrent loans to loans | 1.3503% | 4,512 |
| Net loans and leases to total assets | 78.7665% | 1,577 |
| Net loans and leases to deposits | 92.5894% | 2,350 |
| Net loans and leases to core deposits | 135.5204% | 1,240 |
| Total domestic deposits to total assets | 85.0708% | 3,228 |
| Equity capital to assets | 11.3209% | 2,660 |
| Core capital (leverage) ratio | 9.7018% | 3,629 |
| Tier 1 risk-based capital ratio | 12.2097% | 4,745 |
| Total risk-based capital ratio | 13.4607% | 4,657 |
| Memoranda: | ||
| Average total assets | $97,748,000 | 5,221 |
| Average earning assets | $88,670,670 | 5,240 |
| Average equity | $11,199,330 | 5,033 |
| Average total loans | $78,485,670 | 4,637 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5992% | 707 |
| Cost of funding earning assets | 2.2603% | 2,886 |
| Net interest margin | 4.3390% | 1,487 |
| Noninterest income to average assets | 1.4198% | 697 |
| Noninterest expense to average assets | 3.5989% | 1,869 |
| Loan and lease loss provision to assets | 0.6067% | 2,078 |
| Net operating income to assets | 1.1556% | 1,785 |
| Return on assets (ROA) | 1.1556% | 1,906 |
| Pretax return on assets | 1.1597% | 2,767 |
| Return on Equity (ROE) | 10.0251% | 2,307 |
| Retained earnings to average equity (ytd only) | 10.0251% | 1,189 |
| Net charge-offs to loans | 0.3484% | 2,690 |
| Credit loss provision to net charge-offs | 216.1765% | 2,087 |
| Earnings coverage of net charge-offs (x) | 6.2941% | 2,519 |
| Efficiency ratio | 67.0769% | 5,131 |
| Assets per employee ($millions) | 2.9571% | 6,263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3133% | 4,003 |
| Loan loss allowance to noncurrent loans | 167.2757% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 2.1848% | 2,619 |
| Noncurrent loans to loans | 0.7851% | 5,479 |
| Net loans and leases to total assets | 77.5416% | 1,923 |
| Net loans and leases to deposits | 91.4341% | 2,704 |
| Net loans and leases to core deposits | 135.1063% | 1,352 |
| Total domestic deposits to total assets | 84.8061% | 3,299 |
| Equity capital to assets | 11.5725% | 2,545 |
| Core capital (leverage) ratio | 10.0223% | 3,385 |
| Tier 1 risk-based capital ratio | 12.4794% | 4,564 |
| Total risk-based capital ratio | 13.7301% | 4,482 |
| Memoranda: | ||
| Average total assets | $96,917,500 | 5,276 |
| Average earning assets | $88,131,500 | 5,284 |
| Average equity | $11,172,000 | 5,061 |
| Average total loans | $78,071,500 | 4,684 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5717% | 357 |
| Cost of funding earning assets | 2.8466% | 2,490 |
| Net interest margin | 4.7250% | 929 |
| Noninterest income to average assets | 1.4051% | 731 |
| Noninterest expense to average assets | 3.4778% | 2,458 |
| Loan and lease loss provision to assets | 0.2760% | 4,182 |
| Net operating income to assets | 1.9748% | 377 |
| Return on assets (ROA) | 1.9748% | 357 |
| Pretax return on assets | 1.9769% | 645 |
| Return on Equity (ROE) | 17.8622% | 535 |
| Retained earnings to average equity (ytd only) | 8.3564% | 743 |
| Net charge-offs to loans | 0.4016% | 2,804 |
| Credit loss provision to net charge-offs | 82.8125% | 5,844 |
| Earnings coverage of net charge-offs (x) | 6.7594% | 3,281 |
| Efficiency ratio | 60.4871% | 6,261 |
| Assets per employee ($millions) | 2.8309% | 6,489 |
| Cash dividends to net income (ytd only)* | 53.2173% | 2,967 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 4,794 |
| Loan loss allowance to noncurrent loans | 129.6089% | 2,801 |
| Noncurrent assets plus other real estate owned to assets | 1.3018% | 3,620 |
| Noncurrent loans to loans | 0.9010% | 4,821 |
| Net loans and leases to total assets | 81.5990% | 1,302 |
| Net loans and leases to deposits | 96.0475% | 2,445 |
| Net loans and leases to core deposits | 137.7466% | 1,389 |
| Total domestic deposits to total assets | 84.9569% | 2,864 |
| Equity capital to assets | 11.4816% | 2,645 |
| Core capital (leverage) ratio | 9.6400% | 3,835 |
| Tier 1 risk-based capital ratio | 11.9574% | 4,854 |
| Total risk-based capital ratio | 13.1755% | 4,771 |
| Memoranda: | ||
| Average total assets | $96,010,200 | 5,172 |
| Average earning assets | $87,893,600 | 5,152 |
| Average equity | $10,614,600 | 5,238 |
| Average total loans | $79,686,400 | 4,527 |