Home > Memphis State Bank > Performance and Condition Ratios
Memphis State Bank, Performance and Condition Ratios
| 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 | 2.4148% | 6,432 |
| Cost of funding earning assets | 0.2175% | 5,690 |
| Net interest margin | 2.1973% | 6,394 |
| Noninterest income to average assets | 0.5712% | 3,060 |
| Noninterest expense to average assets | 2.5487% | 4,369 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.0200% | 6,123 |
| Return on assets (ROA) | 0.0200% | 6,142 |
| Pretax return on assets | 0.0000% | 6,143 |
| Return on Equity (ROE) | 0.1952% | 6,138 |
| Retained earnings to average equity (ytd only) | 0.1952% | 5,746 |
| Net charge-offs to loans | 0.0248% | 4,011 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 4,451 |
| Efficiency ratio | 100.0000% | 362 |
| Assets per employee ($millions) | 2.9024% | 5,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2763% | 3,770 |
| Loan loss allowance to noncurrent loans | 2,633.3333% | 236 |
| Noncurrent assets plus other real estate owned to assets | 0.0094% | 6,148 |
| Noncurrent loans to loans | 0.0485% | 5,818 |
| Net loans and leases to total assets | 19.1411% | 6,461 |
| Net loans and leases to deposits | 22.4727% | 6,469 |
| Net loans and leases to core deposits | 22.4727% | 6,467 |
| Total domestic deposits to total assets | 85.1751% | 3,267 |
| Equity capital to assets | 11.3638% | 2,615 |
| Core capital (leverage) ratio | 10.4909% | 3,055 |
| Tier 1 risk-based capital ratio | 27.8148% | 653 |
| Total risk-based capital ratio | 28.4821% | 679 |
| Memoranda: | ||
| Average total assets | $33,376,000 | 6,264 |
| Average earning assets | $30,036,000 | 6,256 |
| Average equity | $3,417,000 | 6,265 |
| Average total loans | $5,354,250 | 6,507 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4439% | 6,491 |
| Cost of funding earning assets | 0.2180% | 5,767 |
| Net interest margin | 2.2259% | 6,440 |
| Noninterest income to average assets | 0.5789% | 2,937 |
| Noninterest expense to average assets | 2.4868% | 4,620 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0532% | 6,131 |
| Return on assets (ROA) | 0.0532% | 6,153 |
| Pretax return on assets | 0.0827% | 6,114 |
| Return on Equity (ROE) | 0.5378% | 6,143 |
| Retained earnings to average equity (ytd only) | 0.5378% | 5,524 |
| Net charge-offs to loans | 0.0394% | 3,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 1,939 |
| Efficiency ratio | 96.7816% | 520 |
| Assets per employee ($millions) | 2.9983% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5114% | 2,844 |
| Loan loss allowance to noncurrent loans | 1,975.0000% | 289 |
| Noncurrent assets plus other real estate owned to assets | 0.0121% | 6,211 |
| Noncurrent loans to loans | 0.0765% | 5,791 |
| Net loans and leases to total assets | 15.6090% | 6,559 |
| Net loans and leases to deposits | 17.5634% | 6,570 |
| Net loans and leases to core deposits | 17.5634% | 6,569 |
| Total domestic deposits to total assets | 88.8724% | 1,434 |
| Equity capital to assets | 11.0336% | 2,840 |
| Core capital (leverage) ratio | 10.2226% | 3,308 |
| Tier 1 risk-based capital ratio | 29.9746% | 523 |
| Total risk-based capital ratio | 30.7008% | 537 |
| Memoranda: | ||
| Average total assets | $33,859,330 | 6,312 |
| Average earning assets | $30,279,670 | 6,310 |
| Average equity | $3,346,670 | 6,329 |
| Average total loans | $5,075,670 | 6,577 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3820% | 6,576 |
| Cost of funding earning assets | 0.2083% | 5,933 |
| Net interest margin | 2.1738% | 6,538 |
| Noninterest income to average assets | 0.5831% | 2,841 |
| Noninterest expense to average assets | 2.4374% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1283% | 5,973 |
| Return on assets (ROA) | 0.1283% | 6,006 |
| Pretax return on assets | 0.0933% | 6,091 |
| Return on Equity (ROE) | 1.3748% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.3748% | 5,062 |
| Net charge-offs to loans | 0.0800% | 2,352 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 8.0000% | 2,066 |
| Efficiency ratio | 96.3134% | 622 |
| Assets per employee ($millions) | 3.1839% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6639% | 2,458 |
| Loan loss allowance to noncurrent loans | 1,975.0000% | 290 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 6,294 |
| Noncurrent loans to loans | 0.0842% | 5,882 |
| Net loans and leases to total assets | 13.3312% | 6,648 |
| Net loans and leases to deposits | 14.7450% | 6,656 |
| Net loans and leases to core deposits | 14.7450% | 6,650 |
| Total domestic deposits to total assets | 90.4120% | 854 |
| Equity capital to assets | 9.5252% | 4,468 |
| Core capital (leverage) ratio | 9.9930% | 3,586 |
| Tier 1 risk-based capital ratio | 28.8938% | 581 |
| Total risk-based capital ratio | 29.5929% | 604 |
| Memoranda: | ||
| Average total assets | $34,298,500 | 6,368 |
| Average earning assets | $30,730,000 | 6,363 |
| Average equity | $3,200,500 | 6,406 |
| Average total loans | $5,000,000 | 6,651 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3395% | 6,665 |
| Cost of funding earning assets | 0.2305% | 6,095 |
| Net interest margin | 2.1090% | 6,615 |
| Noninterest income to average assets | 0.5516% | 3,394 |
| Noninterest expense to average assets | 2.3305% | 5,288 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1078% | 6,030 |
| Return on assets (ROA) | 0.2512% | 5,760 |
| Pretax return on assets | 0.3494% | 5,606 |
| Return on Equity (ROE) | 2.4667% | 5,686 |
| Retained earnings to average equity (ytd only) | 1.3326% | 5,224 |
| Net charge-offs to loans | 0.0186% | 5,071 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 52.0000% | 771 |
| Efficiency ratio | 93.9464% | 755 |
| Assets per employee ($millions) | 2.5826% | 6,339 |
| Cash dividends to net income (ytd only)* | 45.9770% | 2,498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 3,161 |
| 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 | 15.4078% | 6,715 |
| Net loans and leases to deposits | 16.9662% | 6,727 |
| Net loans and leases to core deposits | 16.9662% | 6,721 |
| Total domestic deposits to total assets | 90.8143% | 655 |
| Equity capital to assets | 9.1291% | 4,890 |
| Core capital (leverage) ratio | 9.7308% | 3,941 |
| Tier 1 risk-based capital ratio | 26.7193% | 711 |
| Total risk-based capital ratio | 27.3976% | 742 |
| Memoranda: | ||
| Average total assets | $34,627,200 | 6,424 |
| Average earning assets | $31,673,400 | 6,407 |
| Average equity | $3,527,000 | 6,426 |
| Average total loans | $5,385,200 | 6,725 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3466% | 6,740 |
| Cost of funding earning assets | 0.2251% | 6,261 |
| Net interest margin | 2.1215% | 6,689 |
| Noninterest income to average assets | 0.5235% | 3,642 |
| Noninterest expense to average assets | 2.2393% | 5,508 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1729% | 5,979 |
| Return on assets (ROA) | 0.3707% | 5,502 |
| Pretax return on assets | 0.4930% | 5,375 |
| Return on Equity (ROE) | 3.5506% | 5,419 |
| Retained earnings to average equity (ytd only) | 3.5506% | 4,175 |
| Net charge-offs to loans | 0.0738% | 3,888 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,606 |
| Efficiency ratio | 90.7121% | 935 |
| Assets per employee ($millions) | 2.5871% | 6,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4378% | 3,745 |
| 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 | 15.4912% | 6,797 |
| Net loans and leases to deposits | 20.0601% | 6,784 |
| Net loans and leases to core deposits | 20.0601% | 6,788 |
| Total domestic deposits to total assets | 77.2241% | 6,017 |
| Equity capital to assets | 9.9578% | 3,955 |
| Core capital (leverage) ratio | 9.2420% | 4,769 |
| Tier 1 risk-based capital ratio | 26.5555% | 739 |
| Total risk-based capital ratio | 27.2262% | 774 |
| Memoranda: | ||
| Average total assets | $34,890,500 | 6,487 |
| Average earning assets | $31,989,250 | 6,470 |
| Average equity | $3,642,500 | 6,482 |
| Average total loans | $5,418,500 | 6,800 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3496% | 6,787 |
| Cost of funding earning assets | 0.2164% | 6,392 |
| Net interest margin | 2.1332% | 6,720 |
| Noninterest income to average assets | 0.5381% | 3,578 |
| Noninterest expense to average assets | 2.2090% | 5,610 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2219% | 5,836 |
| Return on assets (ROA) | 0.5268% | 4,849 |
| Pretax return on assets | 0.6740% | 4,766 |
| Return on Equity (ROE) | 4.9728% | 4,744 |
| Retained earnings to average equity (ytd only) | 4.9728% | 3,074 |
| Net charge-offs to loans | 0.1098% | 3,262 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,651 |
| Efficiency ratio | 88.6364% | 1,159 |
| Assets per employee ($millions) | 2.6643% | 6,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4294% | 3,897 |
| Loan loss allowance to noncurrent loans | 217.1429% | 1,858 |
| Noncurrent assets plus other real estate owned to assets | 0.1011% | 6,194 |
| Noncurrent loans to loans | 0.6583% | 4,624 |
| Net loans and leases to total assets | 15.1317% | 6,848 |
| Net loans and leases to deposits | 17.5255% | 6,857 |
| Net loans and leases to core deposits | 17.5255% | 6,855 |
| Total domestic deposits to total assets | 86.3408% | 3,184 |
| Equity capital to assets | 9.3631% | 4,767 |
| Core capital (leverage) ratio | 8.8349% | 5,240 |
| Tier 1 risk-based capital ratio | 25.8336% | 791 |
| Total risk-based capital ratio | 26.4868% | 831 |
| Memoranda: | ||
| Average total assets | $35,310,000 | 6,525 |
| Average earning assets | $32,345,330 | 6,508 |
| Average equity | $3,740,330 | 6,506 |
| Average total loans | $5,462,670 | 6,849 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3580% | 6,850 |
| Cost of funding earning assets | 0.1710% | 6,724 |
| Net interest margin | 2.1870% | 6,763 |
| Noninterest income to average assets | 0.4825% | 3,904 |
| Noninterest expense to average assets | 2.4238% | 5,041 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0449% | 6,268 |
| Return on assets (ROA) | 0.0449% | 6,352 |
| Pretax return on assets | 0.0673% | 6,310 |
| Return on Equity (ROE) | 0.4011% | 6,346 |
| Retained earnings to average equity (ytd only) | 0.4011% | 5,660 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2973% | 669 |
| Assets per employee ($millions) | 2.7681% | 6,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4225% | 4,120 |
| 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 | 15.4064% | 6,914 |
| Net loans and leases to deposits | 18.6478% | 6,918 |
| Net loans and leases to core deposits | 18.6478% | 6,918 |
| Total domestic deposits to total assets | 82.6178% | 4,981 |
| Equity capital to assets | 11.0324% | 2,924 |
| Core capital (leverage) ratio | 9.3134% | 4,377 |
| Tier 1 risk-based capital ratio | 27.9426% | 646 |
| Total risk-based capital ratio | 28.6304% | 671 |
| Memoranda: | ||
| Average total assets | $35,647,000 | 6,578 |
| Average earning assets | $32,739,500 | 6,559 |
| Average equity | $3,989,000 | 6,522 |
| Average total loans | $5,535,500 | 6,920 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0252% | 6,760 |
| Cost of funding earning assets | 0.2141% | 6,796 |
| Net interest margin | 2.8111% | 6,371 |
| Noninterest income to average assets | 0.5067% | 3,853 |
| Noninterest expense to average assets | 2.5844% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3251% | 5,379 |
| Return on assets (ROA) | 1.0275% | 2,432 |
| Pretax return on assets | 1.5512% | 1,516 |
| Return on Equity (ROE) | 9.0195% | 2,629 |
| Retained earnings to average equity (ytd only) | 1.5654% | 5,088 |
| Net charge-offs to loans | 0.0169% | 5,673 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 172.0000% | 243 |
| Efficiency ratio | 84.1475% | 1,614 |
| Assets per employee ($millions) | 3.2099% | 5,598 |
| Cash dividends to net income (ytd only)* | 82.6446% | 918 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 3,942 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 15.2029% | 6,979 |
| Net loans and leases to deposits | 17.1611% | 6,993 |
| Net loans and leases to core deposits | 17.1611% | 6,985 |
| Total domestic deposits to total assets | 88.5893% | 1,846 |
| Equity capital to assets | 11.3512% | 2,581 |
| Core capital (leverage) ratio | 9.4671% | 4,154 |
| Tier 1 risk-based capital ratio | 28.7715% | 574 |
| Total risk-based capital ratio | 29.4717% | 595 |
| Memoranda: | ||
| Average total assets | $35,328,000 | 6,620 |
| Average earning assets | $32,229,400 | 6,600 |
| Average equity | $4,024,600 | 6,560 |
| Average total loans | $5,912,000 | 6,981 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0832% | 6,859 |
| Cost of funding earning assets | 0.2105% | 6,930 |
| Net interest margin | 2.8727% | 6,403 |
| Noninterest income to average assets | 0.5283% | 3,754 |
| Noninterest expense to average assets | 2.5358% | 4,971 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.4236% | 5,143 |
| Return on assets (ROA) | 1.2453% | 1,759 |
| Pretax return on assets | 1.8453% | 964 |
| Return on Equity (ROE) | 10.9213% | 1,988 |
| Retained earnings to average equity (ytd only) | 4.3023% | 3,857 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3828% | 2,037 |
| Assets per employee ($millions) | 2.9013% | 6,218 |
| Cash dividends to net income (ytd only)* | 60.6059% | 1,248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 4,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 17.4805% | 7,053 |
| Net loans and leases to deposits | 21.0982% | 7,065 |
| Net loans and leases to core deposits | 21.0982% | 7,070 |
| Total domestic deposits to total assets | 82.8527% | 4,701 |
| Equity capital to assets | 11.9830% | 2,273 |
| Core capital (leverage) ratio | 9.6945% | 3,965 |
| Tier 1 risk-based capital ratio | 28.4304% | 615 |
| Total risk-based capital ratio | 29.1170% | 653 |
| Memoranda: | ||
| Average total assets | $35,332,750 | 6,709 |
| Average earning assets | $32,303,000 | 6,679 |
| Average equity | $4,028,750 | 6,635 |
| Average total loans | $6,028,250 | 7,069 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1673% | 6,897 |
| Cost of funding earning assets | 0.2231% | 6,985 |
| Net interest margin | 2.9442% | 6,350 |
| Noninterest income to average assets | 0.5577% | 3,539 |
| Noninterest expense to average assets | 2.5574% | 4,931 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4597% | 5,000 |
| Return on assets (ROA) | 1.2449% | 1,753 |
| Pretax return on assets | 1.8307% | 980 |
| Return on Equity (ROE) | 11.1027% | 1,956 |
| Retained earnings to average equity (ytd only) | 11.1027% | 731 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0941% | 2,307 |
| Assets per employee ($millions) | 2.9787% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3903% | 4,501 |
| Loan loss allowance to noncurrent loans | 1,333.3333% | 336 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 6,790 |
| Noncurrent loans to loans | 0.1043% | 6,407 |
| Net loans and leases to total assets | 15.8740% | 7,131 |
| Net loans and leases to deposits | 18.0442% | 7,149 |
| Net loans and leases to core deposits | 18.0442% | 7,151 |
| Total domestic deposits to total assets | 87.9728% | 2,160 |
| Equity capital to assets | 11.7978% | 2,317 |
| Core capital (leverage) ratio | 9.9445% | 3,493 |
| Tier 1 risk-based capital ratio | 28.6943% | 598 |
| Total risk-based capital ratio | 29.3686% | 624 |
| Memoranda: | ||
| Average total assets | $35,505,000 | 6,755 |
| Average earning assets | $32,267,000 | 6,729 |
| Average equity | $3,981,000 | 6,686 |
| Average total loans | $5,982,330 | 7,130 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1818% | 6,960 |
| Cost of funding earning assets | 0.2361% | 7,040 |
| Net interest margin | 2.9456% | 6,399 |
| Noninterest income to average assets | 0.6669% | 2,829 |
| Noninterest expense to average assets | 2.5999% | 4,812 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5991% | 4,342 |
| Return on assets (ROA) | 1.0513% | 2,470 |
| Pretax return on assets | 1.3113% | 2,503 |
| Return on Equity (ROE) | 9.6298% | 2,548 |
| Retained earnings to average equity (ytd only) | 9.6298% | 1,373 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7027% | 2,535 |
| Assets per employee ($millions) | 3.3097% | 5,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 5,075 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 16.8484% | 7,181 |
| Net loans and leases to deposits | 18.9368% | 7,200 |
| Net loans and leases to core deposits | 18.9368% | 7,204 |
| Total domestic deposits to total assets | 88.9719% | 1,708 |
| Equity capital to assets | 10.6106% | 3,369 |
| Core capital (leverage) ratio | 9.2770% | 4,402 |
| Tier 1 risk-based capital ratio | 26.7603% | 748 |
| Total risk-based capital ratio | 27.4138% | 776 |
| Memoranda: | ||
| Average total assets | $35,385,500 | 6,814 |
| Average earning assets | $32,183,500 | 6,790 |
| Average equity | $3,863,000 | 6,761 |
| Average total loans | $6,096,500 | 7,189 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0778% | 7,158 |
| Cost of funding earning assets | 0.3081% | 7,094 |
| Net interest margin | 2.7697% | 6,854 |
| Noninterest income to average assets | 0.5978% | 3,178 |
| Noninterest expense to average assets | 2.7928% | 4,377 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.2160% | 5,542 |
| Return on assets (ROA) | 0.5671% | 4,339 |
| Pretax return on assets | 0.8216% | 3,906 |
| Return on Equity (ROE) | 4.7175% | 4,524 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,828 |
| Net charge-offs to loans | 0.0464% | 5,840 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 764 |
| Efficiency ratio | 89.9309% | 1,198 |
| Assets per employee ($millions) | 2.8637% | 6,348 |
| Cash dividends to net income (ytd only)* | 100.0000% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3380% | 4,718 |
| Loan loss allowance to noncurrent loans | 333.3333% | 999 |
| Noncurrent assets plus other real estate owned to assets | 0.0698% | 6,782 |
| Noncurrent loans to loans | 0.4014% | 5,911 |
| Net loans and leases to total assets | 17.1662% | 7,238 |
| Net loans and leases to deposits | 19.3619% | 7,258 |
| Net loans and leases to core deposits | 19.3619% | 7,253 |
| Total domestic deposits to total assets | 88.6596% | 1,745 |
| Equity capital to assets | 11.2414% | 2,747 |
| Core capital (leverage) ratio | 9.3609% | 4,237 |
| Tier 1 risk-based capital ratio | 27.3783% | 676 |
| Total risk-based capital ratio | 28.0664% | 699 |
| Memoranda: | ||
| Average total assets | $32,620,000 | 6,903 |
| Average earning assets | $29,534,400 | 6,879 |
| Average equity | $3,921,600 | 6,777 |
| Average total loans | $6,462,200 | 7,227 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0721% | 7,241 |
| Cost of funding earning assets | 0.3219% | 7,179 |
| Net interest margin | 2.7502% | 6,949 |
| Noninterest income to average assets | 0.6090% | 3,110 |
| Noninterest expense to average assets | 2.7922% | 4,372 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2126% | 5,666 |
| Return on assets (ROA) | 0.6753% | 3,919 |
| Pretax return on assets | 0.9280% | 3,660 |
| Return on Equity (ROE) | 5.5212% | 4,276 |
| Retained earnings to average equity (ytd only) | 4.6745% | 3,401 |
| Net charge-offs to loans | 0.0810% | 5,167 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 17.7598% | 1,334 |
| Efficiency ratio | 90.4698% | 1,140 |
| Assets per employee ($millions) | 2.7617% | 6,559 |
| Cash dividends to net income (ytd only)* | 15.3361% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 5,101 |
| 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 | 18.3826% | 7,303 |
| Net loans and leases to deposits | 21.0323% | 7,318 |
| Net loans and leases to core deposits | 21.0323% | 7,322 |
| Total domestic deposits to total assets | 87.4019% | 2,406 |
| Equity capital to assets | 12.4532% | 1,949 |
| Core capital (leverage) ratio | 10.6391% | 2,720 |
| Tier 1 risk-based capital ratio | 29.3012% | 585 |
| Total risk-based capital ratio | 29.9982% | 599 |
| Memoranda: | ||
| Average total assets | $32,184,000 | 6,977 |
| Average earning assets | $28,991,500 | 6,963 |
| Average equity | $3,936,250 | 6,819 |
| Average total loans | $6,583,000 | 7,296 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2468% | 7,270 |
| Cost of funding earning assets | 0.3421% | 7,243 |
| Net interest margin | 2.9047% | 6,782 |
| Noninterest income to average assets | 0.5963% | 3,170 |
| Noninterest expense to average assets | 2.8307% | 4,310 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2737% | 5,469 |
| Return on assets (ROA) | 0.9289% | 2,626 |
| Pretax return on assets | 1.2741% | 2,230 |
| Return on Equity (ROE) | 7.6433% | 3,124 |
| Retained earnings to average equity (ytd only) | 6.3522% | 2,211 |
| Net charge-offs to loans | 0.1190% | 4,519 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 15.0000% | 1,439 |
| Efficiency ratio | 88.2583% | 1,390 |
| Assets per employee ($millions) | 2.5896% | 6,804 |
| Cash dividends to net income (ytd only)* | 16.8919% | 2,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 5,089 |
| 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 | 19.4079% | 7,376 |
| Net loans and leases to deposits | 22.3519% | 7,387 |
| Net loans and leases to core deposits | 22.3519% | 7,391 |
| Total domestic deposits to total assets | 86.8286% | 2,836 |
| Equity capital to assets | 12.9236% | 1,556 |
| Core capital (leverage) ratio | 10.8554% | 2,370 |
| Tier 1 risk-based capital ratio | 30.0391% | 528 |
| Total risk-based capital ratio | 30.7567% | 544 |
| Memoranda: | ||
| Average total assets | $31,865,330 | 7,049 |
| Average earning assets | $28,643,670 | 7,042 |
| Average equity | $3,872,670 | 6,882 |
| Average total loans | $6,720,330 | 7,365 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1051% | 7,371 |
| Cost of funding earning assets | 0.3864% | 7,248 |
| Net interest margin | 2.7187% | 6,995 |
| Noninterest income to average assets | 0.4836% | 4,016 |
| Noninterest expense to average assets | 2.7898% | 4,489 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1116% | 6,065 |
| Return on assets (ROA) | 0.1116% | 6,117 |
| Pretax return on assets | 0.1364% | 6,085 |
| Return on Equity (ROE) | 0.9471% | 6,150 |
| Retained earnings to average equity (ytd only) | 0.9471% | 5,452 |
| Net charge-offs to loans | 0.0569% | 4,365 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 11.0000% | 1,590 |
| Efficiency ratio | 95.3390% | 962 |
| Assets per employee ($millions) | 2.4663% | 7,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 5,612 |
| 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 | 20.9812% | 7,417 |
| Net loans and leases to deposits | 23.8775% | 7,438 |
| Net loans and leases to core deposits | 23.8775% | 7,442 |
| Total domestic deposits to total assets | 87.8704% | 2,447 |
| Equity capital to assets | 12.0267% | 1,905 |
| Core capital (leverage) ratio | 9.6945% | 3,534 |
| Tier 1 risk-based capital ratio | 26.9731% | 711 |
| Total risk-based capital ratio | 27.6660% | 735 |
| Memoranda: | ||
| Average total assets | $32,260,500 | 7,091 |
| Average earning assets | $28,984,500 | 7,082 |
| Average equity | $3,801,000 | 6,933 |
| Average total loans | $7,025,500 | 7,414 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6637% | 7,323 |
| Cost of funding earning assets | 0.6052% | 7,116 |
| Net interest margin | 3.0585% | 6,621 |
| Noninterest income to average assets | 0.5710% | 3,668 |
| Noninterest expense to average assets | 3.0290% | 3,737 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1835% | 5,327 |
| Return on assets (ROA) | 0.7839% | 2,995 |
| Pretax return on assets | 1.1903% | 2,255 |
| Return on Equity (ROE) | 6.3749% | 3,410 |
| Retained earnings to average equity (ytd only) | 6.3749% | 1,634 |
| Net charge-offs to loans | 0.0280% | 6,522 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 43.5000% | 535 |
| Efficiency ratio | 91.5205% | 1,214 |
| Assets per employee ($millions) | 2.4968% | 7,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 5,754 |
| 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 | 22.0555% | 7,497 |
| Net loans and leases to deposits | 24.9625% | 7,523 |
| Net loans and leases to core deposits | 25.2086% | 7,522 |
| Total domestic deposits to total assets | 88.3545% | 2,038 |
| Equity capital to assets | 11.5407% | 2,228 |
| Core capital (leverage) ratio | 10.4115% | 2,657 |
| Tier 1 risk-based capital ratio | 26.0368% | 751 |
| Total risk-based capital ratio | 26.7157% | 780 |
| Memoranda: | ||
| Average total assets | $31,000,200 | 7,170 |
| Average earning assets | $27,759,000 | 7,168 |
| Average equity | $3,811,800 | 7,054 |
| Average total loans | $7,133,400 | 7,497 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8346% | 7,380 |
| Cost of funding earning assets | 0.6262% | 7,239 |
| Net interest margin | 3.2084% | 6,312 |
| Noninterest income to average assets | 0.5962% | 3,463 |
| Noninterest expense to average assets | 3.0813% | 3,417 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2657% | 5,294 |
| Return on assets (ROA) | 1.0881% | 2,044 |
| Pretax return on assets | 1.6190% | 1,295 |
| Return on Equity (ROE) | 8.7071% | 2,601 |
| Retained earnings to average equity (ytd only) | 8.7071% | 1,159 |
| Net charge-offs to loans | 0.0376% | 6,187 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 44.9438% | 619 |
| Efficiency ratio | 88.7218% | 1,389 |
| Assets per employee ($millions) | 2.2016% | 7,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 5,940 |
| 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 | 23.9140% | 7,566 |
| Net loans and leases to deposits | 29.3502% | 7,569 |
| Net loans and leases to core deposits | 29.3502% | 7,588 |
| Total domestic deposits to total assets | 81.4781% | 5,207 |
| Equity capital to assets | 12.8281% | 1,664 |
| Core capital (leverage) ratio | 10.7887% | 2,424 |
| Tier 1 risk-based capital ratio | 26.7865% | 713 |
| Total risk-based capital ratio | 27.4750% | 743 |
| Memoranda: | ||
| Average total assets | $30,635,500 | 7,265 |
| Average earning assets | $27,468,500 | 7,265 |
| Average equity | $3,828,250 | 7,139 |
| Average total loans | $7,106,250 | 7,594 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8947% | 7,434 |
| Cost of funding earning assets | 0.6357% | 7,326 |
| Net interest margin | 3.2590% | 6,138 |
| Noninterest income to average assets | 0.6280% | 3,144 |
| Noninterest expense to average assets | 3.1008% | 3,316 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3320% | 5,054 |
| Return on assets (ROA) | 0.7392% | 3,390 |
| Pretax return on assets | 0.9878% | 3,162 |
| Return on Equity (ROE) | 5.9688% | 3,819 |
| Retained earnings to average equity (ytd only) | 5.9688% | 2,347 |
| Net charge-offs to loans | 0.0572% | 5,588 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 34.0000% | 828 |
| Efficiency ratio | 87.4539% | 1,562 |
| Assets per employee ($millions) | 2.1489% | 7,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 5,536 |
| 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 | 23.0314% | 7,656 |
| Net loans and leases to deposits | 26.8983% | 7,678 |
| Net loans and leases to core deposits | 26.8983% | 7,685 |
| Total domestic deposits to total assets | 85.6241% | 3,305 |
| Equity capital to assets | 13.1660% | 1,491 |
| Core capital (leverage) ratio | 10.1641% | 2,979 |
| Tier 1 risk-based capital ratio | 27.4008% | 670 |
| Total risk-based capital ratio | 28.1458% | 692 |
| Memoranda: | ||
| Average total assets | $30,573,000 | 7,328 |
| Average earning assets | $27,370,330 | 7,320 |
| Average equity | $3,786,330 | 7,184 |
| Average total loans | $6,990,670 | 7,658 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0285% | 7,434 |
| Cost of funding earning assets | 0.6422% | 7,463 |
| Net interest margin | 3.3863% | 5,634 |
| Noninterest income to average assets | 0.6879% | 2,678 |
| Noninterest expense to average assets | 3.1541% | 3,037 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4673% | 4,542 |
| Return on assets (ROA) | 0.4673% | 4,672 |
| Pretax return on assets | 0.5452% | 4,799 |
| Return on Equity (ROE) | 3.8929% | 4,940 |
| Retained earnings to average equity (ytd only) | 3.8929% | 3,808 |
| Net charge-offs to loans | 0.1146% | 4,292 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 21.0000% | 1,137 |
| Efficiency ratio | 85.2632% | 1,879 |
| Assets per employee ($millions) | 2.1829% | 7,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 5,669 |
| 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 | 22.9777% | 7,744 |
| Net loans and leases to deposits | 26.2505% | 7,776 |
| Net loans and leases to core deposits | 26.5281% | 7,781 |
| Total domestic deposits to total assets | 87.5327% | 2,344 |
| Equity capital to assets | 12.3102% | 1,867 |
| Core capital (leverage) ratio | 9.8228% | 3,375 |
| Tier 1 risk-based capital ratio | 31.3164% | 460 |
| Total risk-based capital ratio | 32.1898% | 469 |
| Memoranda: | ||
| Average total assets | $30,817,000 | 7,415 |
| Average earning assets | $27,404,500 | 7,409 |
| Average equity | $3,699,000 | 7,287 |
| Average total loans | $6,980,000 | 7,760 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1557% | 7,625 |
| Cost of funding earning assets | 0.7203% | 7,659 |
| Net interest margin | 3.4354% | 5,237 |
| Noninterest income to average assets | 0.7085% | 2,909 |
| Noninterest expense to average assets | 3.1725% | 3,467 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4494% | 3,928 |
| Return on assets (ROA) | 0.5710% | 3,517 |
| Pretax return on assets | 0.7579% | 3,385 |
| Return on Equity (ROE) | 4.4948% | 3,887 |
| Retained earnings to average equity (ytd only) | 4.4948% | 2,106 |
| Net charge-offs to loans | 0.2268% | 5,202 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 10.5625% | 1,672 |
| Efficiency ratio | 84.1908% | 2,326 |
| Assets per employee ($millions) | 2.2196% | 7,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2400% | 5,121 |
| 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 | 21.7867% | 7,843 |
| Net loans and leases to deposits | 24.7116% | 7,872 |
| Net loans and leases to core deposits | 28.7437% | 7,873 |
| Total domestic deposits to total assets | 88.1637% | 1,896 |
| Equity capital to assets | 11.7011% | 2,190 |
| Core capital (leverage) ratio | 10.3569% | 2,727 |
| Tier 1 risk-based capital ratio | 28.7699% | 593 |
| Total risk-based capital ratio | 29.6017% | 600 |
| Memoranda: | ||
| Average total assets | $28,369,200 | 7,531 |
| Average earning assets | $25,266,400 | 7,534 |
| Average equity | $3,604,200 | 7,413 |
| Average total loans | $7,054,200 | 7,822 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1543% | 7,749 |
| Cost of funding earning assets | 0.7470% | 7,762 |
| Net interest margin | 3.4073% | 5,233 |
| Noninterest income to average assets | 0.6981% | 3,026 |
| Noninterest expense to average assets | 3.2161% | 3,249 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.4247% | 4,304 |
| Return on assets (ROA) | 0.6018% | 3,651 |
| Pretax return on assets | 0.7559% | 3,686 |
| Return on Equity (ROE) | 4.6343% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.6343% | 2,688 |
| Net charge-offs to loans | 0.3003% | 4,150 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | 6.9386% | 2,512 |
| Efficiency ratio | 85.7510% | 2,089 |
| Assets per employee ($millions) | 1.9800% | 7,814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2002% | 5,109 |
| 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 | 25.2417% | 7,881 |
| Net loans and leases to deposits | 30.2077% | 7,907 |
| Net loans and leases to core deposits | 34.7642% | 7,909 |
| Total domestic deposits to total assets | 83.5606% | 3,924 |
| Equity capital to assets | 13.2612% | 1,594 |
| Core capital (leverage) ratio | 10.8755% | 2,504 |
| Tier 1 risk-based capital ratio | 28.4859% | 656 |
| Total risk-based capital ratio | 29.3200% | 667 |
| Memoranda: | ||
| Average total assets | $27,693,000 | 7,624 |
| Average earning assets | $24,809,000 | 7,621 |
| Average equity | $3,596,250 | 7,478 |
| Average total loans | $7,104,000 | 7,899 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2134% | 7,819 |
| Cost of funding earning assets | 0.7617% | 7,862 |
| Net interest margin | 3.4518% | 4,979 |
| Noninterest income to average assets | 0.7080% | 2,944 |
| Noninterest expense to average assets | 3.2654% | 3,099 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.4244% | 4,404 |
| Return on assets (ROA) | 0.6935% | 3,397 |
| Pretax return on assets | 0.8525% | 3,499 |
| Return on Equity (ROE) | 5.3786% | 3,917 |
| Retained earnings to average equity (ytd only) | 5.3786% | 2,301 |
| Net charge-offs to loans | 0.1687% | 4,537 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 1,852 |
| Efficiency ratio | 86.2595% | 2,205 |
| Assets per employee ($millions) | 1.9039% | 7,913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3897% | 3,781 |
| Loan loss allowance to noncurrent loans | 633.3333% | 531 |
| Noncurrent assets plus other real estate owned to assets | 0.0563% | 7,454 |
| Noncurrent loans to loans | 0.2194% | 6,965 |
| Net loans and leases to total assets | 25.2898% | 7,971 |
| Net loans and leases to deposits | 29.1326% | 8,005 |
| Net loans and leases to core deposits | 32.4274% | 8,016 |
| Total domestic deposits to total assets | 86.8092% | 2,357 |
| Equity capital to assets | 12.8231% | 1,777 |
| Core capital (leverage) ratio | 10.7459% | 2,610 |
| Tier 1 risk-based capital ratio | 26.9707% | 784 |
| Total risk-based capital ratio | 27.8622% | 786 |
| Memoranda: | ||
| Average total assets | $27,684,000 | 7,694 |
| Average earning assets | $24,683,000 | 7,693 |
| Average equity | $3,569,670 | 7,548 |
| Average total loans | $7,111,330 | 7,988 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3104% | 7,843 |
| Cost of funding earning assets | 0.7953% | 7,913 |
| Net interest margin | 3.5151% | 4,667 |
| Noninterest income to average assets | 0.7093% | 2,831 |
| Noninterest expense to average assets | 3.1917% | 3,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5504% | 4,214 |
| Return on assets (ROA) | 0.9078% | 2,819 |
| Pretax return on assets | 1.0781% | 3,067 |
| Return on Equity (ROE) | 7.0224% | 3,584 |
| Retained earnings to average equity (ytd only) | 7.0224% | 2,200 |
| Net charge-offs to loans | 0.1104% | 4,086 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 23.0000% | 1,293 |
| Efficiency ratio | 83.0258% | 2,406 |
| Assets per employee ($millions) | 2.1202% | 7,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4889% | 3,053 |
| 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 | 23.7637% | 8,039 |
| Net loans and leases to deposits | 27.5453% | 8,067 |
| Net loans and leases to core deposits | 30.2191% | 8,086 |
| Total domestic deposits to total assets | 86.2715% | 2,574 |
| Equity capital to assets | 13.3440% | 1,594 |
| Core capital (leverage) ratio | 10.4587% | 2,973 |
| Tier 1 risk-based capital ratio | 27.0247% | 821 |
| Total risk-based capital ratio | 27.9658% | 823 |
| Memoranda: | ||
| Average total assets | $28,198,500 | 7,721 |
| Average earning assets | $25,148,500 | 7,721 |
| Average equity | $3,645,500 | 7,577 |
| Average total loans | $7,249,000 | 8,026 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1615% | 7,713 |
| Cost of funding earning assets | 1.3568% | 7,792 |
| Net interest margin | 3.8046% | 3,997 |
| Noninterest income to average assets | 0.6944% | 3,152 |
| Noninterest expense to average assets | 3.1091% | 3,662 |
| Loan and lease loss provision to assets | 0.0705% | 6,516 |
| Net operating income to assets | 0.5898% | 4,351 |
| Return on assets (ROA) | 0.9341% | 2,711 |
| Pretax return on assets | 1.4171% | 1,919 |
| Return on Equity (ROE) | 7.8944% | 3,115 |
| Retained earnings to average equity (ytd only) | 7.8944% | 876 |
| Net charge-offs to loans | 0.0137% | 6,707 |
| Credit loss provision to net charge-offs | 2,000.0000% | 221 |
| Earnings coverage of net charge-offs (x) | 274.0000% | 180 |
| Efficiency ratio | 76.2976% | 3,189 |
| Assets per employee ($millions) | 2.2180% | 7,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2740% | 3,965 |
| 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 | 26.8745% | 8,056 |
| Net loans and leases to deposits | 33.6650% | 8,064 |
| Net loans and leases to core deposits | 35.9683% | 8,108 |
| Total domestic deposits to total assets | 79.8294% | 5,087 |
| Equity capital to assets | 12.5303% | 1,997 |
| Core capital (leverage) ratio | 9.9527% | 3,491 |
| Tier 1 risk-based capital ratio | 24.0041% | 1,089 |
| Total risk-based capital ratio | 24.8682% | 1,101 |
| Memoranda: | ||
| Average total assets | $28,368,400 | 7,710 |
| Average earning assets | $25,206,000 | 7,727 |
| Average equity | $3,356,800 | 7,731 |
| Average total loans | $7,321,800 | 8,066 |