Home > Lisco State Bank > Performance and Condition Ratios
Lisco State Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7439% | 5,050 |
| Cost of funding earning assets | 0.6014% | 2,794 |
| Net interest margin | 3.1425% | 5,176 |
| Noninterest income to average assets | 0.1803% | 6,118 |
| Noninterest expense to average assets | 1.9691% | 6,069 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2262% | 1,546 |
| Return on assets (ROA) | 1.2262% | 1,619 |
| Pretax return on assets | 1.2262% | 2,598 |
| Return on Equity (ROE) | 8.6240% | 2,823 |
| Retained earnings to average equity (ytd only) | 3.5510% | 4,174 |
| Net charge-offs to loans | -0.1203% | 6,538 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6253% | 5,186 |
| Assets per employee ($millions) | 4.4543% | 2,948 |
| Cash dividends to net income (ytd only)* | 58.8238% | 1,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0838% | 1,541 |
| Loan loss allowance to noncurrent loans | 279.1209% | 1,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 4,919 |
| Noncurrent loans to loans | 0.7466% | 4,353 |
| Net loans and leases to total assets | 66.9866% | 2,461 |
| Net loans and leases to deposits | 101.2213% | 419 |
| Net loans and leases to core deposits | 109.1449% | 615 |
| Total domestic deposits to total assets | 66.1784% | 6,702 |
| Equity capital to assets | 14.8454% | 741 |
| Core capital (leverage) ratio | 14.3475% | 778 |
| Tier 1 risk-based capital ratio | 19.6111% | 1,837 |
| Total risk-based capital ratio | 20.8751% | 1,795 |
| Memoranda: | ||
| Average total assets | $18,485,250 | 6,798 |
| Average earning assets | $17,735,000 | 6,761 |
| Average equity | $2,628,250 | 6,677 |
| Average total loans | $11,076,500 | 6,623 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5504% | 5,587 |
| Cost of funding earning assets | 0.5694% | 3,224 |
| Net interest margin | 2.9810% | 5,607 |
| Noninterest income to average assets | 0.1817% | 6,118 |
| Noninterest expense to average assets | 1.9136% | 6,195 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1225% | 1,850 |
| Return on assets (ROA) | 1.1225% | 1,968 |
| Pretax return on assets | 1.1225% | 3,003 |
| Return on Equity (ROE) | 8.0071% | 3,098 |
| Retained earnings to average equity (ytd only) | 0.3813% | 5,741 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0282% | 5,013 |
| Assets per employee ($millions) | 4.5248% | 2,783 |
| Cash dividends to net income (ytd only)* | 95.2381% | 593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1254% | 1,570 |
| Loan loss allowance to noncurrent loans | 239.2157% | 1,700 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 4,838 |
| Noncurrent loans to loans | 0.8885% | 4,153 |
| Net loans and leases to total assets | 62.0808% | 3,272 |
| Net loans and leases to deposits | 88.2016% | 1,317 |
| Net loans and leases to core deposits | 90.8767% | 1,825 |
| Total domestic deposits to total assets | 70.3851% | 6,645 |
| Equity capital to assets | 14.2549% | 891 |
| Core capital (leverage) ratio | 14.1490% | 786 |
| Tier 1 risk-based capital ratio | 19.9392% | 1,735 |
| Total risk-based capital ratio | 21.1946% | 1,699 |
| Memoranda: | ||
| Average total assets | $18,708,000 | 6,846 |
| Average earning assets | $17,913,330 | 6,808 |
| Average equity | $2,622,670 | 6,727 |
| Average total loans | $10,705,670 | 6,678 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4628% | 5,805 |
| Cost of funding earning assets | 0.5293% | 3,785 |
| Net interest margin | 2.9335% | 5,750 |
| Noninterest income to average assets | 0.1683% | 6,251 |
| Noninterest expense to average assets | 1.8725% | 6,322 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0940% | 1,880 |
| Return on assets (ROA) | 1.0940% | 1,986 |
| Pretax return on assets | 1.0940% | 2,977 |
| Return on Equity (ROE) | 7.8669% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.8669% | 1,795 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1206% | 5,140 |
| Assets per employee ($millions) | 4.4175% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6080% | 1,000 |
| Loan loss allowance to noncurrent loans | 228.0374% | 1,686 |
| Noncurrent assets plus other real estate owned to assets | 0.6055% | 4,877 |
| Noncurrent loans to loans | 1.1437% | 3,870 |
| Net loans and leases to total assets | 51.5676% | 4,760 |
| Net loans and leases to deposits | 66.3415% | 4,010 |
| Net loans and leases to core deposits | 68.2036% | 4,277 |
| Total domestic deposits to total assets | 77.7306% | 6,155 |
| Equity capital to assets | 15.0821% | 740 |
| Core capital (leverage) ratio | 13.7772% | 858 |
| Tier 1 risk-based capital ratio | 23.8139% | 1,042 |
| Total risk-based capital ratio | 25.0754% | 1,017 |
| Memoranda: | ||
| Average total assets | $19,012,500 | 6,915 |
| Average earning assets | $18,135,500 | 6,877 |
| Average equity | $2,644,000 | 6,793 |
| Average total loans | $10,318,500 | 6,757 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2441% | 4,423 |
| Cost of funding earning assets | 0.7737% | 2,881 |
| Net interest margin | 3.4704% | 4,627 |
| Noninterest income to average assets | 0.1787% | 6,121 |
| Noninterest expense to average assets | 1.9986% | 6,329 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.4840% | 950 |
| Return on assets (ROA) | 1.5436% | 922 |
| Pretax return on assets | 1.5436% | 1,548 |
| Return on Equity (ROE) | 11.1319% | 1,764 |
| Retained earnings to average equity (ytd only) | 7.2260% | 1,458 |
| Net charge-offs to loans | 0.0087% | 5,826 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 142 |
| Efficiency ratio | 57.3872% | 5,909 |
| Assets per employee ($millions) | 5.0888% | 2,114 |
| Cash dividends to net income (ytd only)* | 35.0877% | 3,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1629% | 1,622 |
| Loan loss allowance to noncurrent loans | 174.2857% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6878% | 4,769 |
| Noncurrent loans to loans | 1.2410% | 3,770 |
| Net loans and leases to total assets | 54.2225% | 4,590 |
| Net loans and leases to deposits | 70.5330% | 3,631 |
| Net loans and leases to core deposits | 72.2600% | 4,008 |
| Total domestic deposits to total assets | 76.8755% | 6,243 |
| Equity capital to assets | 12.8863% | 1,499 |
| Core capital (leverage) ratio | 12.6813% | 1,244 |
| Tier 1 risk-based capital ratio | 19.3453% | 1,853 |
| Total risk-based capital ratio | 20.6032% | 1,826 |
| Memoranda: | ||
| Average total assets | $18,463,200 | 6,980 |
| Average earning assets | $17,577,400 | 6,944 |
| Average equity | $2,560,200 | 6,869 |
| Average total loans | $11,498,600 | 6,794 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3333% | 4,318 |
| Cost of funding earning assets | 0.8154% | 2,815 |
| Net interest margin | 3.5179% | 4,574 |
| Noninterest income to average assets | 0.1853% | 6,197 |
| Noninterest expense to average assets | 1.9640% | 6,417 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5786% | 900 |
| Return on assets (ROA) | 1.6601% | 829 |
| Pretax return on assets | 1.6601% | 1,389 |
| Return on Equity (ROE) | 11.7375% | 1,727 |
| Retained earnings to average equity (ytd only) | 9.9560% | 926 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4393% | 6,113 |
| Assets per employee ($millions) | 4.5843% | 2,769 |
| Cash dividends to net income (ytd only)* | 15.1778% | 3,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0305% | 2,080 |
| Loan loss allowance to noncurrent loans | 170.1389% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7853% | 4,743 |
| Noncurrent loans to loans | 1.1934% | 4,066 |
| Net loans and leases to total assets | 64.4653% | 2,937 |
| Net loans and leases to deposits | 88.0784% | 1,338 |
| Net loans and leases to core deposits | 94.2138% | 1,567 |
| Total domestic deposits to total assets | 73.1908% | 6,665 |
| Equity capital to assets | 14.4735% | 979 |
| Core capital (leverage) ratio | 13.4233% | 1,038 |
| Tier 1 risk-based capital ratio | 19.0537% | 1,995 |
| Total risk-based capital ratio | 20.3130% | 1,966 |
| Memoranda: | ||
| Average total assets | $17,990,250 | 7,084 |
| Average earning assets | $17,168,750 | 7,046 |
| Average equity | $2,544,500 | 6,960 |
| Average total loans | $11,553,000 | 6,885 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2552% | 4,738 |
| Cost of funding earning assets | 0.7993% | 3,194 |
| Net interest margin | 3.4559% | 4,855 |
| Noninterest income to average assets | 0.2014% | 6,116 |
| Noninterest expense to average assets | 1.9805% | 6,473 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5105% | 974 |
| Return on assets (ROA) | 1.6336% | 865 |
| Pretax return on assets | 1.6336% | 1,438 |
| Return on Equity (ROE) | 11.6427% | 1,791 |
| Retained earnings to average equity (ytd only) | 8.9314% | 1,302 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7308% | 6,036 |
| Assets per employee ($millions) | 4.7028% | 2,563 |
| Cash dividends to net income (ytd only)* | 23.2877% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 2,217 |
| Loan loss allowance to noncurrent loans | 151.2346% | 2,226 |
| Noncurrent assets plus other real estate owned to assets | 0.8612% | 4,652 |
| Noncurrent loans to loans | 1.3249% | 3,930 |
| Net loans and leases to total assets | 63.6968% | 3,102 |
| Net loans and leases to deposits | 90.5053% | 1,095 |
| Net loans and leases to core deposits | 100.9776% | 1,042 |
| Total domestic deposits to total assets | 70.3790% | 6,889 |
| Equity capital to assets | 13.6303% | 1,250 |
| Core capital (leverage) ratio | 14.2504% | 748 |
| Tier 1 risk-based capital ratio | 18.3290% | 2,188 |
| Total risk-based capital ratio | 19.5860% | 2,150 |
| Memoranda: | ||
| Average total assets | $17,874,670 | 7,145 |
| Average earning assets | $17,014,330 | 7,116 |
| Average equity | $2,508,000 | 7,014 |
| Average total loans | $11,382,000 | 6,948 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3204% | 4,657 |
| Cost of funding earning assets | 0.8206% | 3,307 |
| Net interest margin | 3.4998% | 4,702 |
| Noninterest income to average assets | 0.1838% | 6,277 |
| Noninterest expense to average assets | 2.1142% | 6,244 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.4018% | 1,221 |
| Return on assets (ROA) | 1.6546% | 880 |
| Pretax return on assets | 1.6546% | 1,422 |
| Return on Equity (ROE) | 11.6129% | 1,804 |
| Retained earnings to average equity (ytd only) | 11.6129% | 902 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1307% | 5,594 |
| Assets per employee ($millions) | 4.1760% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4770% | 1,391 |
| Loan loss allowance to noncurrent loans | 91.0781% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.6104% | 3,429 |
| Noncurrent loans to loans | 2.7196% | 2,401 |
| Net loans and leases to total assets | 57.7466% | 4,076 |
| Net loans and leases to deposits | 78.0105% | 2,506 |
| Net loans and leases to core deposits | 80.3231% | 3,037 |
| Total domestic deposits to total assets | 74.0242% | 6,743 |
| Equity capital to assets | 14.9904% | 750 |
| Core capital (leverage) ratio | 14.3538% | 721 |
| Tier 1 risk-based capital ratio | 21.6916% | 1,336 |
| Total risk-based capital ratio | 22.9545% | 1,310 |
| Memoranda: | ||
| Average total assets | $17,406,500 | 7,215 |
| Average earning assets | $16,572,500 | 7,179 |
| Average equity | $2,480,000 | 7,068 |
| Average total loans | $10,959,500 | 7,026 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9912% | 2,917 |
| Cost of funding earning assets | 1.1141% | 2,581 |
| Net interest margin | 3.8771% | 3,438 |
| Noninterest income to average assets | 0.2001% | 6,069 |
| Noninterest expense to average assets | 2.1645% | 6,345 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7279% | 526 |
| Return on assets (ROA) | 1.7279% | 563 |
| Pretax return on assets | 1.7279% | 934 |
| Return on Equity (ROE) | 12.1339% | 1,371 |
| Retained earnings to average equity (ytd only) | 6.5140% | 1,730 |
| Net charge-offs to loans | -0.0424% | 7,036 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6075% | 6,361 |
| Assets per employee ($millions) | 4.5273% | 2,866 |
| Cash dividends to net income (ytd only)* | 46.3158% | 2,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0369% | 2,163 |
| Loan loss allowance to noncurrent loans | 90.7407% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 1.4910% | 3,717 |
| Noncurrent loans to loans | 2.2448% | 2,903 |
| Net loans and leases to total assets | 65.0671% | 2,966 |
| Net loans and leases to deposits | 91.5469% | 1,005 |
| Net loans and leases to core deposits | 98.1998% | 1,315 |
| Total domestic deposits to total assets | 71.0752% | 6,929 |
| Equity capital to assets | 13.5623% | 1,237 |
| Core capital (leverage) ratio | 13.4580% | 983 |
| Tier 1 risk-based capital ratio | 17.8561% | 2,246 |
| Total risk-based capital ratio | 19.0782% | 2,229 |
| Memoranda: | ||
| Average total assets | $16,493,600 | 7,267 |
| Average earning assets | $15,707,600 | 7,235 |
| Average equity | $2,348,800 | 7,153 |
| Average total loans | $11,785,200 | 7,043 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0768% | 2,726 |
| Cost of funding earning assets | 1.1803% | 2,447 |
| Net interest margin | 3.8966% | 3,396 |
| Noninterest income to average assets | 0.2072% | 6,129 |
| Noninterest expense to average assets | 2.2043% | 6,268 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.7236% | 594 |
| Return on assets (ROA) | 1.7236% | 649 |
| Pretax return on assets | 1.7236% | 1,091 |
| Return on Equity (ROE) | 11.9436% | 1,566 |
| Retained earnings to average equity (ytd only) | 5.7993% | 2,675 |
| Net charge-offs to loans | -0.0569% | 7,072 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1181% | 6,270 |
| Assets per employee ($millions) | 4.0198% | 3,806 |
| Cash dividends to net income (ytd only)* | 51.4405% | 1,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0057% | 2,323 |
| Loan loss allowance to noncurrent loans | 85.0694% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.7912% | 3,408 |
| Noncurrent loans to loans | 2.3578% | 2,942 |
| Net loans and leases to total assets | 74.4449% | 1,244 |
| Net loans and leases to deposits | 112.0367% | 157 |
| Net loans and leases to core deposits | 121.9810% | 338 |
| Total domestic deposits to total assets | 66.4469% | 7,188 |
| Equity capital to assets | 15.1378% | 817 |
| Core capital (leverage) ratio | 14.1106% | 879 |
| Tier 1 risk-based capital ratio | 17.7932% | 2,333 |
| Total risk-based capital ratio | 19.0542% | 2,300 |
| Memoranda: | ||
| Average total assets | $16,089,750 | 7,347 |
| Average earning assets | $15,363,500 | 7,320 |
| Average equity | $2,322,000 | 7,230 |
| Average total loans | $11,724,500 | 7,113 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 3,363 |
| Cost of funding earning assets | 1.2103% | 2,502 |
| Net interest margin | 3.7480% | 4,041 |
| Noninterest income to average assets | 0.1988% | 6,247 |
| Noninterest expense to average assets | 2.2121% | 6,353 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5659% | 778 |
| Return on assets (ROA) | 1.5659% | 831 |
| Pretax return on assets | 1.5659% | 1,340 |
| Return on Equity (ROE) | 11.0300% | 1,787 |
| Retained earnings to average equity (ytd only) | 1.6633% | 5,159 |
| Net charge-offs to loans | -0.0865% | 7,132 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5526% | 6,094 |
| Assets per employee ($millions) | 4.1880% | 3,370 |
| Cash dividends to net income (ytd only)* | 84.9206% | 690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9022% | 2,663 |
| Loan loss allowance to noncurrent loans | 70.2006% | 3,940 |
| Noncurrent assets plus other real estate owned to assets | 2.0833% | 3,138 |
| Noncurrent loans to loans | 2.7096% | 2,684 |
| Net loans and leases to total assets | 75.4238% | 1,168 |
| Net loans and leases to deposits | 127.5747% | 62 |
| Net loans and leases to core deposits | 132.5257% | 246 |
| Total domestic deposits to total assets | 59.1213% | 7,382 |
| Equity capital to assets | 13.7834% | 1,168 |
| Core capital (leverage) ratio | 13.3633% | 1,044 |
| Tier 1 risk-based capital ratio | 16.5102% | 2,738 |
| Total risk-based capital ratio | 17.7671% | 2,689 |
| Memoranda: | ||
| Average total assets | $16,093,330 | 7,421 |
| Average earning assets | $15,368,000 | 7,394 |
| Average equity | $2,284,670 | 7,297 |
| Average total loans | $11,561,000 | 7,190 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 4,175 |
| Cost of funding earning assets | 1.1206% | 3,373 |
| Net interest margin | 3.6553% | 4,301 |
| Noninterest income to average assets | 0.1776% | 6,454 |
| Noninterest expense to average assets | 2.2837% | 6,231 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3702% | 1,116 |
| Return on assets (ROA) | 1.3702% | 1,165 |
| Pretax return on assets | 1.3702% | 1,815 |
| Return on Equity (ROE) | 9.5050% | 2,281 |
| Retained earnings to average equity (ytd only) | 9.5050% | 1,237 |
| Net charge-offs to loans | -0.0734% | 6,995 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5000% | 5,594 |
| Assets per employee ($millions) | 3.9568% | 3,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2012% | 1,964 |
| Loan loss allowance to noncurrent loans | 119.8020% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 1.2763% | 4,402 |
| Noncurrent loans to loans | 1.8374% | 3,783 |
| Net loans and leases to total assets | 67.9345% | 2,558 |
| Net loans and leases to deposits | 100.8630% | 424 |
| Net loans and leases to core deposits | 104.4796% | 1,031 |
| Total domestic deposits to total assets | 67.3533% | 7,288 |
| Equity capital to assets | 14.5132% | 874 |
| Core capital (leverage) ratio | 13.8605% | 884 |
| Tier 1 risk-based capital ratio | 18.5461% | 1,946 |
| Total risk-based capital ratio | 19.8054% | 1,899 |
| Memoranda: | ||
| Average total assets | $15,764,000 | 7,485 |
| Average earning assets | $14,992,000 | 7,456 |
| Average equity | $2,272,500 | 7,350 |
| Average total loans | $10,901,500 | 7,278 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9992% | 4,561 |
| Cost of funding earning assets | 0.8813% | 6,234 |
| Net interest margin | 4.1178% | 2,490 |
| Noninterest income to average assets | 0.8643% | 1,998 |
| Noninterest expense to average assets | 2.5998% | 5,416 |
| Loan and lease loss provision to assets | 0.4321% | 3,529 |
| Net operating income to assets | 1.7077% | 507 |
| Return on assets (ROA) | 1.7077% | 548 |
| Pretax return on assets | 1.7077% | 927 |
| Return on Equity (ROE) | 11.1648% | 1,536 |
| Retained earnings to average equity (ytd only) | 8.8863% | 736 |
| Net charge-offs to loans | 0.2627% | 4,722 |
| Credit loss provision to net charge-offs | 229.6296% | 1,282 |
| Earnings coverage of net charge-offs (x) | 11.3704% | 1,615 |
| Efficiency ratio | 54.8529% | 6,731 |
| Assets per employee ($millions) | 3.9253% | 3,953 |
| Cash dividends to net income (ytd only)* | 20.4082% | 3,435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2204% | 1,837 |
| Loan loss allowance to noncurrent loans | 89.2193% | 3,199 |
| Noncurrent assets plus other real estate owned to assets | 1.7133% | 3,733 |
| Noncurrent loans to loans | 2.4887% | 3,034 |
| Net loans and leases to total assets | 67.3142% | 3,146 |
| Net loans and leases to deposits | 86.5248% | 2,002 |
| Net loans and leases to core deposits | 89.2049% | 2,870 |
| Total domestic deposits to total assets | 77.7976% | 6,356 |
| Equity capital to assets | 14.3176% | 949 |
| Core capital (leverage) ratio | 13.8271% | 883 |
| Tier 1 risk-based capital ratio | 18.3902% | 1,880 |
| Total risk-based capital ratio | 19.6113% | 1,851 |
| Memoranda: | ||
| Average total assets | $14,347,200 | 7,582 |
| Average earning assets | $13,502,200 | 7,556 |
| Average equity | $2,194,400 | 7,471 |
| Average total loans | $10,277,600 | 7,381 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9767% | 4,920 |
| Cost of funding earning assets | 0.8836% | 6,455 |
| Net interest margin | 4.0931% | 2,656 |
| Noninterest income to average assets | 1.0945% | 1,181 |
| Noninterest expense to average assets | 2.6078% | 5,296 |
| Loan and lease loss provision to assets | 0.0762% | 6,286 |
| Net operating income to assets | 2.2462% | 217 |
| Return on assets (ROA) | 2.2462% | 233 |
| Pretax return on assets | 2.2462% | 377 |
| Return on Equity (ROE) | 14.4273% | 948 |
| Retained earnings to average equity (ytd only) | 14.4273% | 243 |
| Net charge-offs to loans | 0.1446% | 5,144 |
| Credit loss provision to net charge-offs | 72.7273% | 5,348 |
| Earnings coverage of net charge-offs (x) | 22.1766% | 1,106 |
| Efficiency ratio | 52.8958% | 6,896 |
| Assets per employee ($millions) | 3.5453% | 4,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 2,977 |
| Loan loss allowance to noncurrent loans | 10,100.0000% | 44 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 7,332 |
| Noncurrent loans to loans | 0.0173% | 7,216 |
| Net loans and leases to total assets | 79.8956% | 768 |
| Net loans and leases to deposits | 111.4280% | 230 |
| Net loans and leases to core deposits | 115.5887% | 762 |
| Total domestic deposits to total assets | 71.7016% | 7,163 |
| Equity capital to assets | 16.3106% | 617 |
| Core capital (leverage) ratio | 16.3121% | 515 |
| Tier 1 risk-based capital ratio | 18.4120% | 1,896 |
| Total risk-based capital ratio | 19.6700% | 1,857 |
| Memoranda: | ||
| Average total assets | $14,008,750 | 7,685 |
| Average earning assets | $13,127,500 | 7,662 |
| Average equity | $2,181,000 | 7,573 |
| Average total loans | $10,144,750 | 7,487 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8207% | 5,720 |
| Cost of funding earning assets | 0.9087% | 6,542 |
| Net interest margin | 3.9120% | 3,394 |
| Noninterest income to average assets | 1.4909% | 576 |
| Noninterest expense to average assets | 2.6807% | 4,991 |
| Loan and lease loss provision to assets | 0.0860% | 6,067 |
| Net operating income to assets | 2.3654% | 174 |
| Return on assets (ROA) | 2.3654% | 187 |
| Pretax return on assets | 2.3654% | 296 |
| Return on Equity (ROE) | 15.4422% | 772 |
| Retained earnings to average equity (ytd only) | 15.4422% | 215 |
| Net charge-offs to loans | 0.2272% | 4,239 |
| Credit loss provision to net charge-offs | 54.5455% | 5,324 |
| Earnings coverage of net charge-offs (x) | 15.5455% | 1,452 |
| Efficiency ratio | 52.2346% | 7,043 |
| Assets per employee ($millions) | 3.3883% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1028% | 1,956 |
| Loan loss allowance to noncurrent loans | 400.0000% | 769 |
| Noncurrent assets plus other real estate owned to assets | 0.3689% | 6,506 |
| Noncurrent loans to loans | 0.5257% | 6,207 |
| Net loans and leases to total assets | 68.7007% | 3,195 |
| Net loans and leases to deposits | 88.8285% | 2,030 |
| Net loans and leases to core deposits | 92.0332% | 2,981 |
| Total domestic deposits to total assets | 77.3408% | 6,423 |
| Equity capital to assets | 16.5720% | 589 |
| Core capital (leverage) ratio | 15.9974% | 567 |
| Tier 1 risk-based capital ratio | 20.9220% | 1,351 |
| Total risk-based capital ratio | 22.1775% | 1,325 |
| Memoranda: | ||
| Average total assets | $13,951,330 | 7,753 |
| Average earning assets | $12,985,670 | 7,727 |
| Average equity | $2,137,000 | 7,639 |
| Average total loans | $9,682,330 | 7,566 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7084% | 6,213 |
| Cost of funding earning assets | 0.9172% | 6,703 |
| Net interest margin | 3.7912% | 3,829 |
| Noninterest income to average assets | 0.2827% | 5,880 |
| Noninterest expense to average assets | 2.5723% | 5,468 |
| Loan and lease loss provision to assets | 0.0848% | 5,790 |
| Net operating income to assets | 1.1307% | 1,741 |
| Return on assets (ROA) | 1.1307% | 1,813 |
| Pretax return on assets | 1.1307% | 2,627 |
| Return on Equity (ROE) | 7.6831% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.6831% | 1,848 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9104% | 4,740 |
| Assets per employee ($millions) | 3.5405% | 4,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2750% | 1,617 |
| Loan loss allowance to noncurrent loans | 143.4483% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 2.6550% | 2,738 |
| Noncurrent loans to loans | 1.5859% | 4,361 |
| Net loans and leases to total assets | 63.0914% | 4,516 |
| Net loans and leases to deposits | 79.5637% | 3,734 |
| Net loans and leases to core deposits | 82.2214% | 4,455 |
| Total domestic deposits to total assets | 79.2967% | 6,011 |
| Equity capital to assets | 14.8425% | 921 |
| Core capital (leverage) ratio | 14.7622% | 797 |
| Tier 1 risk-based capital ratio | 20.5389% | 1,421 |
| Total risk-based capital ratio | 21.7964% | 1,390 |
| Memoranda: | ||
| Average total assets | $14,150,500 | 7,852 |
| Average earning assets | $13,083,000 | 7,830 |
| Average equity | $2,082,500 | 7,735 |
| Average total loans | $9,768,000 | 7,661 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3241% | 5,065 |
| Cost of funding earning assets | 1.1345% | 6,869 |
| Net interest margin | 4.1896% | 2,105 |
| Noninterest income to average assets | 0.3444% | 5,625 |
| Noninterest expense to average assets | 2.7969% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4398% | 784 |
| Return on assets (ROA) | 1.4398% | 840 |
| Pretax return on assets | 1.4398% | 1,335 |
| Return on Equity (ROE) | 10.4333% | 1,569 |
| Retained earnings to average equity (ytd only) | 7.9373% | 715 |
| Net charge-offs to loans | 0.0103% | 7,087 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 132 |
| Efficiency ratio | 66.0163% | 5,389 |
| Assets per employee ($millions) | 3.5348% | 4,936 |
| Cash dividends to net income (ytd only)* | 23.9234% | 3,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9725% | 2,091 |
| Loan loss allowance to noncurrent loans | 136.6667% | 2,093 |
| Noncurrent assets plus other real estate owned to assets | 2.6947% | 2,594 |
| Noncurrent loans to loans | 1.4433% | 4,507 |
| Net loans and leases to total assets | 72.0560% | 2,743 |
| Net loans and leases to deposits | 90.7132% | 2,100 |
| Net loans and leases to core deposits | 97.4742% | 4,286 |
| Total domestic deposits to total assets | 79.4328% | 5,867 |
| Equity capital to assets | 14.5908% | 1,001 |
| Core capital (leverage) ratio | 14.4379% | 894 |
| Tier 1 risk-based capital ratio | 18.0865% | 1,867 |
| Total risk-based capital ratio | 19.3407% | 1,827 |
| Memoranda: | ||
| Average total assets | $14,516,000 | 7,906 |
| Average earning assets | $13,485,800 | 7,885 |
| Average equity | $2,003,200 | 7,841 |
| Average total loans | $9,729,600 | 7,718 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2695% | 5,574 |
| Cost of funding earning assets | 1.1949% | 6,904 |
| Net interest margin | 4.0745% | 2,498 |
| Noninterest income to average assets | 0.3468% | 5,724 |
| Noninterest expense to average assets | 2.9020% | 4,445 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.2411% | 1,370 |
| Return on assets (ROA) | 1.2411% | 1,435 |
| Pretax return on assets | 1.2411% | 2,134 |
| Return on Equity (ROE) | 9.1201% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.1201% | 813 |
| Net charge-offs to loans | 0.0139% | 6,721 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 136.3383% | 282 |
| Efficiency ratio | 70.0441% | 4,580 |
| Assets per employee ($millions) | 3.4170% | 5,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0605% | 1,668 |
| Loan loss allowance to noncurrent loans | 585.7143% | 559 |
| Noncurrent assets plus other real estate owned to assets | 1.9462% | 3,424 |
| Noncurrent loans to loans | 0.3518% | 6,650 |
| Net loans and leases to total assets | 71.2906% | 3,200 |
| Net loans and leases to deposits | 98.0578% | 1,323 |
| Net loans and leases to core deposits | 106.3523% | 3,663 |
| Total domestic deposits to total assets | 72.7027% | 7,121 |
| Equity capital to assets | 15.0132% | 999 |
| Core capital (leverage) ratio | 14.1751% | 1,049 |
| Tier 1 risk-based capital ratio | 18.6839% | 1,821 |
| Total risk-based capital ratio | 19.9382% | 1,779 |
| Memoranda: | ||
| Average total assets | $14,610,250 | 7,984 |
| Average earning assets | $13,612,750 | 7,963 |
| Average equity | $1,988,250 | 7,924 |
| Average total loans | $9,563,750 | 7,798 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 6,321 |
| Cost of funding earning assets | 1.2499% | 6,961 |
| Net interest margin | 3.8790% | 3,213 |
| Noninterest income to average assets | 0.3350% | 5,831 |
| Noninterest expense to average assets | 2.7606% | 5,128 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.1927% | 1,496 |
| Return on assets (ROA) | 1.1927% | 1,580 |
| Pretax return on assets | 1.1927% | 2,320 |
| Return on Equity (ROE) | 9.0493% | 2,341 |
| Retained earnings to average equity (ytd only) | 9.0493% | 921 |
| Net charge-offs to loans | -0.1272% | 7,985 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8305% | 4,814 |
| Assets per employee ($millions) | 3.4520% | 4,941 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1764% | 1,278 |
| Loan loss allowance to noncurrent loans | 605.7143% | 557 |
| Noncurrent assets plus other real estate owned to assets | 1.9264% | 3,309 |
| Noncurrent loans to loans | 0.3593% | 6,612 |
| Net loans and leases to total assets | 69.0107% | 3,944 |
| Net loans and leases to deposits | 93.7709% | 2,125 |
| Net loans and leases to core deposits | 103.2059% | 4,159 |
| Total domestic deposits to total assets | 73.5950% | 7,025 |
| Equity capital to assets | 14.3395% | 1,213 |
| Core capital (leverage) ratio | 13.7602% | 1,201 |
| Tier 1 risk-based capital ratio | 18.6937% | 1,838 |
| Total risk-based capital ratio | 19.9501% | 1,788 |
| Memoranda: | ||
| Average total assets | $14,924,330 | 8,067 |
| Average earning assets | $13,921,000 | 8,040 |
| Average equity | $1,967,000 | 8,008 |
| Average total loans | $9,435,330 | 7,888 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0542% | 6,777 |
| Cost of funding earning assets | 1.3330% | 6,924 |
| Net interest margin | 3.7212% | 3,800 |
| Noninterest income to average assets | 0.3617% | 5,546 |
| Noninterest expense to average assets | 2.5061% | 5,821 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3176% | 1,342 |
| Return on assets (ROA) | 1.3176% | 1,440 |
| Pretax return on assets | 1.3176% | 2,218 |
| Return on Equity (ROE) | 10.4055% | 2,169 |
| Retained earnings to average equity (ytd only) | 10.4055% | 1,097 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5405% | 5,421 |
| Assets per employee ($millions) | 3.7363% | 4,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3425% | 903 |
| Loan loss allowance to noncurrent loans | 89.1775% | 3,364 |
| Noncurrent assets plus other real estate owned to assets | 1.5457% | 3,616 |
| Noncurrent loans to loans | 2.6268% | 2,504 |
| Net loans and leases to total assets | 57.4640% | 6,032 |
| Net loans and leases to deposits | 71.6921% | 5,782 |
| Net loans and leases to core deposits | 80.6082% | 6,340 |
| Total domestic deposits to total assets | 80.1539% | 5,307 |
| Equity capital to assets | 13.3088% | 1,609 |
| Core capital (leverage) ratio | 12.6665% | 1,619 |
| Tier 1 risk-based capital ratio | 18.7078% | 1,880 |
| Total risk-based capital ratio | 19.9706% | 1,831 |
| Memoranda: | ||
| Average total assets | $15,482,500 | 8,102 |
| Average earning assets | $14,404,000 | 8,076 |
| Average equity | $1,960,500 | 8,062 |
| Average total loans | $9,282,500 | 7,939 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0223% | 5,442 |
| Cost of funding earning assets | 1.8028% | 6,995 |
| Net interest margin | 4.2195% | 2,234 |
| Noninterest income to average assets | 0.2801% | 6,458 |
| Noninterest expense to average assets | 2.3567% | 6,545 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.9000% | 429 |
| Return on assets (ROA) | 1.5651% | 868 |
| Pretax return on assets | 1.5651% | 1,501 |
| Return on Equity (ROE) | 14.2603% | 1,054 |
| Retained earnings to average equity (ytd only) | 9.2665% | 563 |
| Net charge-offs to loans | 0.2481% | 3,788 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 14.1818% | 2,067 |
| Efficiency ratio | 55.3648% | 7,103 |
| Assets per employee ($millions) | 4.0050% | 3,503 |
| Cash dividends to net income (ytd only)* | 35.0195% | 3,894 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1083% | 1,060 |
| Loan loss allowance to noncurrent loans | 89.1775% | 3,788 |
| Noncurrent assets plus other real estate owned to assets | 1.4419% | 3,328 |
| Noncurrent loans to loans | 2.3641% | 2,326 |
| Net loans and leases to total assets | 59.7066% | 5,955 |
| Net loans and leases to deposits | 84.0879% | 4,412 |
| Net loans and leases to core deposits | 94.8626% | 5,369 |
| Total domestic deposits to total assets | 71.0050% | 7,161 |
| Equity capital to assets | 12.0599% | 2,256 |
| Core capital (leverage) ratio | 11.6432% | 2,163 |
| Tier 1 risk-based capital ratio | 17.1208% | 2,272 |
| Total risk-based capital ratio | 18.3818% | 2,221 |
| Memoranda: | ||
| Average total assets | $16,421,000 | 8,129 |
| Average earning assets | $15,475,800 | 8,092 |
| Average equity | $1,802,200 | 8,157 |
| Average total loans | $8,867,400 | 7,994 |