Home > Nixon State Bank > Performance and Condition Ratios
Nixon State Bank, Performance and Condition Ratios
| 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 | 2.7109% | 6,456 |
| Cost of funding earning assets | 0.0892% | 6,592 |
| Net interest margin | 2.6216% | 6,203 |
| Noninterest income to average assets | 0.4851% | 3,525 |
| Noninterest expense to average assets | 3.5783% | 1,347 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -0.6416% | 6,511 |
| Return on assets (ROA) | -0.6416% | 6,510 |
| Pretax return on assets | -0.6416% | 6,492 |
| Return on Equity (ROE) | -9.2161% | 6,552 |
| Retained earnings to average equity (ytd only) | -9.2161% | 6,330 |
| Net charge-offs to loans | 0.5213% | 710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -4.3929% | 3,572 |
| Efficiency ratio | 121.8472% | 165 |
| Assets per employee ($millions) | 3.2340% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1089% | 1,306 |
| Loan loss allowance to noncurrent loans | 10,950.0000% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.5192% | 4,596 |
| Noncurrent loans to loans | 0.0193% | 6,109 |
| Net loans and leases to total assets | 26.1940% | 6,463 |
| Net loans and leases to deposits | 28.1445% | 6,510 |
| Net loans and leases to core deposits | 28.2422% | 6,524 |
| Total domestic deposits to total assets | 93.0698% | 108 |
| Equity capital to assets | 6.8065% | 6,486 |
| Core capital (leverage) ratio | 7.0266% | 6,464 |
| Tier 1 risk-based capital ratio | 19.9919% | 1,720 |
| Total risk-based capital ratio | 20.9534% | 1,763 |
| Memoranda: | ||
| Average total assets | $76,685,000 | 5,285 |
| Average earning assets | $71,711,500 | 5,237 |
| Average equity | $5,338,500 | 5,917 |
| Average total loans | $21,484,000 | 6,069 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9633% | 6,376 |
| Cost of funding earning assets | 0.1082% | 6,654 |
| Net interest margin | 2.8550% | 5,889 |
| Noninterest income to average assets | 1.1470% | 1,071 |
| Noninterest expense to average assets | 3.2150% | 2,370 |
| Loan and lease loss provision to assets | 0.3884% | 775 |
| Net operating income to assets | 0.2080% | 5,802 |
| Return on assets (ROA) | 0.2080% | 5,870 |
| Pretax return on assets | 0.2080% | 5,921 |
| Return on Equity (ROE) | 3.2071% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.2071% | 3,951 |
| Net charge-offs to loans | 1.2297% | 425 |
| Credit loss provision to net charge-offs | 102.2152% | 2,366 |
| Earnings coverage of net charge-offs (x) | 1.5696% | 4,533 |
| Efficiency ratio | 84.3533% | 1,590 |
| Assets per employee ($millions) | 3.0301% | 5,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0992% | 1,334 |
| Loan loss allowance to noncurrent loans | 53.1963% | 5,122 |
| Noncurrent assets plus other real estate owned to assets | 1.6448% | 2,246 |
| Noncurrent loans to loans | 3.9461% | 737 |
| Net loans and leases to total assets | 28.6893% | 6,501 |
| Net loans and leases to deposits | 30.9358% | 6,565 |
| Net loans and leases to core deposits | 30.9358% | 6,586 |
| Total domestic deposits to total assets | 92.7382% | 163 |
| Equity capital to assets | 7.1205% | 6,427 |
| Core capital (leverage) ratio | 7.2335% | 6,467 |
| Tier 1 risk-based capital ratio | 18.9355% | 1,944 |
| Total risk-based capital ratio | 20.1917% | 1,898 |
| Memoranda: | ||
| Average total assets | $83,171,400 | 5,156 |
| Average earning assets | $77,617,400 | 5,099 |
| Average equity | $5,394,200 | 5,962 |
| Average total loans | $25,697,600 | 5,949 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9674% | 6,449 |
| Cost of funding earning assets | 0.1125% | 6,739 |
| Net interest margin | 2.8549% | 5,908 |
| Noninterest income to average assets | 1.3517% | 798 |
| Noninterest expense to average assets | 2.9873% | 3,035 |
| Loan and lease loss provision to assets | 0.5065% | 535 |
| Net operating income to assets | 0.5237% | 4,695 |
| Return on assets (ROA) | 0.5237% | 4,850 |
| Pretax return on assets | 0.5237% | 5,288 |
| Return on Equity (ROE) | 8.2555% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.2555% | 1,315 |
| Net charge-offs to loans | 1.5655% | 284 |
| Credit loss provision to net charge-offs | 103.5256% | 2,264 |
| Earnings coverage of net charge-offs (x) | 2.1058% | 4,138 |
| Efficiency ratio | 74.3560% | 3,001 |
| Assets per employee ($millions) | 2.8768% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9475% | 1,859 |
| Loan loss allowance to noncurrent loans | 398.3051% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.6524% | 4,483 |
| Noncurrent loans to loans | 0.4890% | 4,977 |
| Net loans and leases to total assets | 31.6359% | 6,471 |
| Net loans and leases to deposits | 34.1961% | 6,565 |
| Net loans and leases to core deposits | 34.1961% | 6,606 |
| Total domestic deposits to total assets | 92.5132% | 180 |
| Equity capital to assets | 7.3304% | 6,450 |
| Core capital (leverage) ratio | 6.4534% | 6,675 |
| Tier 1 risk-based capital ratio | 18.0224% | 2,318 |
| Total risk-based capital ratio | 19.2699% | 2,279 |
| Memoranda: | ||
| Average total assets | $85,026,000 | 5,161 |
| Average earning assets | $79,394,000 | 5,103 |
| Average equity | $5,394,250 | 6,036 |
| Average total loans | $26,572,250 | 5,965 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8715% | 6,555 |
| Cost of funding earning assets | 0.1165% | 6,789 |
| Net interest margin | 2.7550% | 6,089 |
| Noninterest income to average assets | 0.5450% | 3,539 |
| Noninterest expense to average assets | 2.8247% | 3,590 |
| Loan and lease loss provision to assets | 0.6626% | 364 |
| Net operating income to assets | -0.3754% | 6,594 |
| Return on assets (ROA) | -0.3754% | 6,616 |
| Pretax return on assets | -0.3754% | 6,584 |
| Return on Equity (ROE) | -6.1886% | 6,664 |
| Retained earnings to average equity (ytd only) | -6.1886% | 6,526 |
| Net charge-offs to loans | 2.3370% | 168 |
| Credit loss provision to net charge-offs | 91.5625% | 2,405 |
| Earnings coverage of net charge-offs (x) | 0.3969% | 4,404 |
| Efficiency ratio | 90.7703% | 1,003 |
| Assets per employee ($millions) | 3.2289% | 5,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6436% | 2,997 |
| Loan loss allowance to noncurrent loans | 334.8837% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 4,817 |
| Noncurrent loans to loans | 0.4908% | 5,034 |
| Net loans and leases to total assets | 29.6521% | 6,589 |
| Net loans and leases to deposits | 31.5229% | 6,665 |
| Net loans and leases to core deposits | 31.5229% | 6,694 |
| Total domestic deposits to total assets | 94.0652% | 58 |
| Equity capital to assets | 5.7868% | 6,759 |
| Core capital (leverage) ratio | 5.9618% | 6,756 |
| Tier 1 risk-based capital ratio | 14.9254% | 3,828 |
| Total risk-based capital ratio | 16.1670% | 3,799 |
| Memoranda: | ||
| Average total assets | $88,435,330 | 5,091 |
| Average earning assets | $82,395,670 | 5,043 |
| Average equity | $5,364,670 | 6,090 |
| Average total loans | $27,385,330 | 5,966 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9607% | 6,556 |
| Cost of funding earning assets | 0.1252% | 6,848 |
| Net interest margin | 2.8355% | 5,954 |
| Noninterest income to average assets | 0.5389% | 3,505 |
| Noninterest expense to average assets | 2.9058% | 3,319 |
| Loan and lease loss provision to assets | 1.1183% | 150 |
| Net operating income to assets | -0.8399% | 6,772 |
| Return on assets (ROA) | -0.8399% | 6,784 |
| Pretax return on assets | -0.8399% | 6,761 |
| Return on Equity (ROE) | -13.5397% | 6,851 |
| Retained earnings to average equity (ytd only) | -13.5397% | 6,711 |
| Net charge-offs to loans | 2.3482% | 184 |
| Credit loss provision to net charge-offs | 151.8293% | 1,349 |
| Earnings coverage of net charge-offs (x) | 0.3780% | 3,686 |
| Efficiency ratio | 91.2553% | 1,048 |
| Assets per employee ($millions) | 3.1709% | 5,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9000% | 2,299 |
| Loan loss allowance to noncurrent loans | 68.9480% | 4,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1781% | 3,603 |
| Noncurrent loans to loans | 2.7557% | 1,846 |
| Net loans and leases to total assets | 31.6356% | 6,532 |
| Net loans and leases to deposits | 33.7410% | 6,646 |
| Net loans and leases to core deposits | 33.7410% | 6,681 |
| Total domestic deposits to total assets | 93.7603% | 85 |
| Equity capital to assets | 6.0685% | 6,822 |
| Core capital (leverage) ratio | 5.8528% | 6,817 |
| Tier 1 risk-based capital ratio | 14.0992% | 4,432 |
| Total risk-based capital ratio | 15.3530% | 4,386 |
| Memoranda: | ||
| Average total assets | $89,062,500 | 5,122 |
| Average earning assets | $83,088,000 | 5,062 |
| Average equity | $5,524,500 | 6,095 |
| Average total loans | $27,936,500 | 5,991 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0159% | 6,763 |
| Cost of funding earning assets | 0.1708% | 6,887 |
| Net interest margin | 2.8450% | 6,325 |
| Noninterest income to average assets | 0.6398% | 3,052 |
| Noninterest expense to average assets | 3.1372% | 2,820 |
| Loan and lease loss provision to assets | 0.3146% | 2,176 |
| Net operating income to assets | -0.1828% | 6,366 |
| Return on assets (ROA) | -0.1828% | 6,434 |
| Pretax return on assets | -0.1828% | 6,414 |
| Return on Equity (ROE) | -2.6506% | 6,485 |
| Retained earnings to average equity (ytd only) | -3.1842% | 6,275 |
| Net charge-offs to loans | 0.4770% | 2,333 |
| Credit loss provision to net charge-offs | 210.3175% | 1,211 |
| Earnings coverage of net charge-offs (x) | 0.8810% | 5,029 |
| Efficiency ratio | 95.9695% | 710 |
| Assets per employee ($millions) | 3.1907% | 5,643 |
| Cash dividends to net income (ytd only)* | -20.1299% | 7,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 2,987 |
| Loan loss allowance to noncurrent loans | 37.9339% | 5,722 |
| Noncurrent assets plus other real estate owned to assets | 1.7182% | 2,818 |
| Noncurrent loans to loans | 4.4418% | 969 |
| Net loans and leases to total assets | 29.9779% | 6,699 |
| Net loans and leases to deposits | 32.0612% | 6,787 |
| Net loans and leases to core deposits | 32.1845% | 6,804 |
| Total domestic deposits to total assets | 93.5023% | 92 |
| Equity capital to assets | 6.3365% | 6,859 |
| Core capital (leverage) ratio | 6.1425% | 6,839 |
| Tier 1 risk-based capital ratio | 15.5111% | 3,417 |
| Total risk-based capital ratio | 16.7617% | 3,378 |
| Memoranda: | ||
| Average total assets | $84,246,600 | 5,240 |
| Average earning assets | $77,854,600 | 5,186 |
| Average equity | $5,810,000 | 6,071 |
| Average total loans | $26,417,200 | 6,118 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0644% | 6,868 |
| Cost of funding earning assets | 0.1847% | 6,972 |
| Net interest margin | 2.8798% | 6,394 |
| Noninterest income to average assets | 0.6154% | 3,184 |
| Noninterest expense to average assets | 3.1576% | 2,694 |
| Loan and lease loss provision to assets | 0.3117% | 2,117 |
| Net operating income to assets | -0.1977% | 6,497 |
| Return on assets (ROA) | -0.1977% | 6,568 |
| Pretax return on assets | -0.1977% | 6,541 |
| Return on Equity (ROE) | -2.8047% | 6,614 |
| Retained earnings to average equity (ytd only) | -3.5116% | 6,517 |
| Net charge-offs to loans | 0.6664% | 1,648 |
| Credit loss provision to net charge-offs | 148.0916% | 1,917 |
| Earnings coverage of net charge-offs (x) | 0.5420% | 5,050 |
| Efficiency ratio | 96.5128% | 656 |
| Assets per employee ($millions) | 3.0368% | 5,990 |
| Cash dividends to net income (ytd only)* | -25.2012% | 7,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4421% | 4,187 |
| Loan loss allowance to noncurrent loans | 30.6400% | 6,102 |
| Noncurrent assets plus other real estate owned to assets | 2.0652% | 2,570 |
| Noncurrent loans to loans | 4.7065% | 988 |
| Net loans and leases to total assets | 30.7844% | 6,783 |
| Net loans and leases to deposits | 33.0885% | 6,886 |
| Net loans and leases to core deposits | 33.2229% | 6,912 |
| Total domestic deposits to total assets | 93.0366% | 108 |
| Equity capital to assets | 6.7694% | 6,911 |
| Core capital (leverage) ratio | 6.4875% | 6,888 |
| Tier 1 risk-based capital ratio | 15.8416% | 3,355 |
| Total risk-based capital ratio | 17.0233% | 3,357 |
| Memoranda: | ||
| Average total assets | $82,973,500 | 5,325 |
| Average earning assets | $76,532,000 | 5,279 |
| Average equity | $5,847,250 | 6,137 |
| Average total loans | $26,211,250 | 6,208 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1325% | 6,916 |
| Cost of funding earning assets | 0.2004% | 7,032 |
| Net interest margin | 2.9321% | 6,374 |
| Noninterest income to average assets | 0.6441% | 2,983 |
| Noninterest expense to average assets | 3.2398% | 2,465 |
| Loan and lease loss provision to assets | 0.2990% | 2,189 |
| Net operating income to assets | -0.1920% | 6,533 |
| Return on assets (ROA) | -0.1920% | 6,609 |
| Pretax return on assets | -0.1920% | 6,585 |
| Return on Equity (ROE) | -2.6881% | 6,657 |
| Retained earnings to average equity (ytd only) | -3.0284% | 6,466 |
| Net charge-offs to loans | 0.7588% | 1,449 |
| Credit loss provision to net charge-offs | 124.2424% | 2,209 |
| Earnings coverage of net charge-offs (x) | 0.4444% | 4,855 |
| Efficiency ratio | 96.8046% | 672 |
| Assets per employee ($millions) | 2.9028% | 6,231 |
| Cash dividends to net income (ytd only)* | -12.6582% | 7,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3234% | 4,783 |
| Loan loss allowance to noncurrent loans | 43.9336% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 1.6425% | 3,260 |
| Noncurrent loans to loans | 3.0123% | 1,961 |
| Net loans and leases to total assets | 31.5571% | 6,826 |
| Net loans and leases to deposits | 34.0624% | 6,918 |
| Net loans and leases to core deposits | 34.2078% | 6,955 |
| Total domestic deposits to total assets | 92.6450% | 149 |
| Equity capital to assets | 7.1508% | 6,877 |
| Core capital (leverage) ratio | 6.6405% | 6,896 |
| Tier 1 risk-based capital ratio | 16.1482% | 3,095 |
| Total risk-based capital ratio | 17.2226% | 3,149 |
| Memoranda: | ||
| Average total assets | $82,288,000 | 5,374 |
| Average earning assets | $75,849,000 | 5,329 |
| Average equity | $5,877,670 | 6,153 |
| Average total loans | $26,095,330 | 6,256 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1564% | 6,976 |
| Cost of funding earning assets | 0.2209% | 7,069 |
| Net interest margin | 2.9354% | 6,423 |
| Noninterest income to average assets | 0.6522% | 2,916 |
| Noninterest expense to average assets | 3.2901% | 2,317 |
| Loan and lease loss provision to assets | 0.2512% | 2,445 |
| Net operating income to assets | -0.1933% | 6,626 |
| Return on assets (ROA) | -0.1933% | 6,681 |
| Pretax return on assets | -0.1933% | 6,660 |
| Return on Equity (ROE) | -2.7070% | 6,740 |
| Retained earnings to average equity (ytd only) | -2.7070% | 6,366 |
| Net charge-offs to loans | 0.7037% | 1,419 |
| Credit loss provision to net charge-offs | 113.0435% | 2,087 |
| Earnings coverage of net charge-offs (x) | 0.2609% | 4,232 |
| Efficiency ratio | 98.2684% | 623 |
| Assets per employee ($millions) | 2.9731% | 6,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2209% | 5,395 |
| Loan loss allowance to noncurrent loans | 91.3165% | 3,305 |
| Noncurrent assets plus other real estate owned to assets | 1.0919% | 4,310 |
| Noncurrent loans to loans | 1.3370% | 4,112 |
| Net loans and leases to total assets | 31.6844% | 6,845 |
| Net loans and leases to deposits | 34.1654% | 6,947 |
| Net loans and leases to core deposits | 34.4190% | 6,983 |
| Total domestic deposits to total assets | 92.7384% | 162 |
| Equity capital to assets | 7.0658% | 6,922 |
| Core capital (leverage) ratio | 6.7598% | 6,917 |
| Tier 1 risk-based capital ratio | 16.1687% | 3,090 |
| Total risk-based capital ratio | 17.1793% | 3,179 |
| Memoranda: | ||
| Average total assets | $82,793,000 | 5,391 |
| Average earning assets | $76,036,500 | 5,363 |
| Average equity | $5,910,500 | 6,169 |
| Average total loans | $26,146,500 | 6,299 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5917% | 6,935 |
| Cost of funding earning assets | 0.3129% | 7,084 |
| Net interest margin | 3.2788% | 5,877 |
| Noninterest income to average assets | 0.7327% | 2,430 |
| Noninterest expense to average assets | 3.5413% | 1,883 |
| Loan and lease loss provision to assets | 0.1842% | 4,352 |
| Net operating income to assets | 0.0118% | 6,014 |
| Return on assets (ROA) | 0.0118% | 6,135 |
| Pretax return on assets | 0.0118% | 6,104 |
| Return on Equity (ROE) | 0.1499% | 6,129 |
| Retained earnings to average equity (ytd only) | -2.2492% | 6,181 |
| Net charge-offs to loans | 0.7890% | 2,182 |
| Credit loss provision to net charge-offs | 68.2927% | 4,920 |
| Earnings coverage of net charge-offs (x) | 0.7268% | 5,265 |
| Efficiency ratio | 94.7554% | 877 |
| Assets per employee ($millions) | 2.7447% | 6,545 |
| Cash dividends to net income (ytd only)* | 1,600.0000% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2504% | 5,169 |
| Loan loss allowance to noncurrent loans | 73.7327% | 3,910 |
| Noncurrent assets plus other real estate owned to assets | 1.1975% | 4,240 |
| Noncurrent loans to loans | 1.6959% | 3,621 |
| Net loans and leases to total assets | 30.6910% | 6,986 |
| Net loans and leases to deposits | 33.1497% | 7,068 |
| Net loans and leases to core deposits | 33.3990% | 7,088 |
| Total domestic deposits to total assets | 92.5832% | 170 |
| Equity capital to assets | 7.2128% | 6,902 |
| Core capital (leverage) ratio | 6.8446% | 6,913 |
| Tier 1 risk-based capital ratio | 16.5197% | 2,813 |
| Total risk-based capital ratio | 17.5298% | 2,884 |
| Memoranda: | ||
| Average total assets | $76,017,200 | 5,565 |
| Average earning assets | $69,660,000 | 5,548 |
| Average equity | $6,002,200 | 6,159 |
| Average total loans | $25,981,600 | 6,359 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6284% | 6,993 |
| Cost of funding earning assets | 0.3320% | 7,155 |
| Net interest margin | 3.2964% | 5,868 |
| Noninterest income to average assets | 0.7344% | 2,392 |
| Noninterest expense to average assets | 3.6469% | 1,608 |
| Loan and lease loss provision to assets | 0.1755% | 4,284 |
| Net operating income to assets | -0.0645% | 6,242 |
| Return on assets (ROA) | -0.0645% | 6,335 |
| Pretax return on assets | -0.0645% | 6,298 |
| Return on Equity (ROE) | -0.7976% | 6,351 |
| Retained earnings to average equity (ytd only) | -3.1904% | 6,438 |
| Net charge-offs to loans | 0.4959% | 2,767 |
| Credit loss provision to net charge-offs | 101.0309% | 3,325 |
| Earnings coverage of net charge-offs (x) | 0.6391% | 5,146 |
| Efficiency ratio | 97.0448% | 771 |
| Assets per employee ($millions) | 2.7038% | 6,645 |
| Cash dividends to net income (ytd only)* | -300.0000% | 7,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4691% | 4,254 |
| Loan loss allowance to noncurrent loans | 36.7969% | 5,835 |
| Noncurrent assets plus other real estate owned to assets | 1.2932% | 4,222 |
| Noncurrent loans to loans | 3.9925% | 1,661 |
| Net loans and leases to total assets | 31.9156% | 7,031 |
| Net loans and leases to deposits | 34.5593% | 7,112 |
| Net loans and leases to core deposits | 34.9493% | 7,143 |
| Total domestic deposits to total assets | 92.3503% | 174 |
| Equity capital to assets | 7.4081% | 6,952 |
| Core capital (leverage) ratio | 7.1371% | 6,915 |
| Tier 1 risk-based capital ratio | 16.6072% | 2,809 |
| Total risk-based capital ratio | 17.8193% | 2,790 |
| Memoranda: | ||
| Average total assets | $74,436,500 | 5,664 |
| Average earning assets | $68,274,000 | 5,643 |
| Average equity | $6,018,000 | 6,199 |
| Average total loans | $26,079,250 | 6,421 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 6,975 |
| Cost of funding earning assets | 0.3503% | 7,225 |
| Net interest margin | 3.3941% | 5,571 |
| Noninterest income to average assets | 0.7450% | 2,282 |
| Noninterest expense to average assets | 3.8582% | 1,268 |
| Loan and lease loss provision to assets | 0.2327% | 3,581 |
| Net operating income to assets | -0.2327% | 6,498 |
| Return on assets (ROA) | -0.2327% | 6,538 |
| Pretax return on assets | -0.2327% | 6,482 |
| Return on Equity (ROE) | -2.7902% | 6,574 |
| Retained earnings to average equity (ytd only) | -5.3147% | 6,591 |
| Net charge-offs to loans | 0.2383% | 3,696 |
| Credit loss provision to net charge-offs | 270.9677% | 1,121 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 5,281 |
| Efficiency ratio | 100.0000% | 718 |
| Assets per employee ($millions) | 2.5426% | 6,867 |
| Cash dividends to net income (ytd only)* | -90.4762% | 7,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7129% | 3,287 |
| Loan loss allowance to noncurrent loans | 41.9139% | 5,530 |
| Noncurrent assets plus other real estate owned to assets | 1.6165% | 3,771 |
| Noncurrent loans to loans | 4.0867% | 1,686 |
| Net loans and leases to total assets | 32.9496% | 7,078 |
| Net loans and leases to deposits | 35.8628% | 7,172 |
| Net loans and leases to core deposits | 36.1647% | 7,217 |
| Total domestic deposits to total assets | 91.8770% | 263 |
| Equity capital to assets | 7.8516% | 6,771 |
| Core capital (leverage) ratio | 7.9723% | 6,332 |
| Tier 1 risk-based capital ratio | 16.9596% | 2,543 |
| Total risk-based capital ratio | 18.2103% | 2,509 |
| Memoranda: | ||
| Average total assets | $72,210,670 | 5,773 |
| Average earning assets | $66,232,330 | 5,750 |
| Average equity | $6,021,000 | 6,227 |
| Average total loans | $26,014,330 | 6,478 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 6,778 |
| Cost of funding earning assets | 0.3674% | 7,289 |
| Net interest margin | 3.5746% | 4,690 |
| Noninterest income to average assets | 0.7239% | 2,425 |
| Noninterest expense to average assets | 3.7676% | 1,401 |
| Loan and lease loss provision to assets | 0.2394% | 3,276 |
| Net operating income to assets | -0.0114% | 6,367 |
| Return on assets (ROA) | -0.0114% | 6,391 |
| Pretax return on assets | -0.0114% | 6,368 |
| Return on Equity (ROE) | -0.1325% | 6,396 |
| Retained earnings to average equity (ytd only) | -2.9154% | 6,281 |
| Net charge-offs to loans | 0.5031% | 2,218 |
| Credit loss provision to net charge-offs | 127.2727% | 2,169 |
| Earnings coverage of net charge-offs (x) | 1.2121% | 3,756 |
| Efficiency ratio | 94.2939% | 1,025 |
| Assets per employee ($millions) | 2.4500% | 7,052 |
| Cash dividends to net income (ytd only)* | -2,100.0000% | 7,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5195% | 4,112 |
| Loan loss allowance to noncurrent loans | 38.1413% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 1.7185% | 3,675 |
| Noncurrent loans to loans | 3.9838% | 1,829 |
| Net loans and leases to total assets | 35.9414% | 7,004 |
| Net loans and leases to deposits | 39.3861% | 7,123 |
| Net loans and leases to core deposits | 39.7441% | 7,171 |
| Total domestic deposits to total assets | 91.2539% | 510 |
| Equity capital to assets | 8.4533% | 5,972 |
| Core capital (leverage) ratio | 8.0648% | 6,172 |
| Tier 1 risk-based capital ratio | 17.3639% | 2,351 |
| Total risk-based capital ratio | 18.6172% | 2,324 |
| Memoranda: | ||
| Average total assets | $70,177,500 | 5,865 |
| Average earning assets | $64,231,500 | 5,853 |
| Average equity | $6,037,000 | 6,233 |
| Average total loans | $26,236,000 | 6,515 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4591% | 6,498 |
| Cost of funding earning assets | 0.5378% | 7,244 |
| Net interest margin | 3.9212% | 3,394 |
| Noninterest income to average assets | 0.9892% | 1,540 |
| Noninterest expense to average assets | 4.0474% | 1,098 |
| Loan and lease loss provision to assets | 0.4363% | 3,505 |
| Net operating income to assets | 0.0905% | 5,610 |
| Return on assets (ROA) | 0.0905% | 5,748 |
| Pretax return on assets | 0.0905% | 5,720 |
| Return on Equity (ROE) | 0.9763% | 5,704 |
| Retained earnings to average equity (ytd only) | -0.8976% | 5,787 |
| Net charge-offs to loans | 1.1895% | 1,874 |
| Credit loss provision to net charge-offs | 91.1585% | 5,076 |
| Earnings coverage of net charge-offs (x) | 1.1006% | 5,012 |
| Efficiency ratio | 88.4848% | 1,440 |
| Assets per employee ($millions) | 2.3899% | 7,140 |
| Cash dividends to net income (ytd only)* | 191.9355% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 4,278 |
| Loan loss allowance to noncurrent loans | 38.2324% | 5,756 |
| Noncurrent assets plus other real estate owned to assets | 1.7242% | 3,713 |
| Noncurrent loans to loans | 3.7940% | 1,948 |
| Net loans and leases to total assets | 37.7413% | 7,084 |
| Net loans and leases to deposits | 41.5013% | 7,206 |
| Net loans and leases to core deposits | 41.8975% | 7,259 |
| Total domestic deposits to total assets | 90.9402% | 628 |
| Equity capital to assets | 8.7554% | 5,504 |
| Core capital (leverage) ratio | 7.9913% | 6,214 |
| Tier 1 risk-based capital ratio | 17.2248% | 2,259 |
| Total risk-based capital ratio | 18.4584% | 2,233 |
| Memoranda: | ||
| Average total assets | $68,538,600 | 5,920 |
| Average earning assets | $62,658,600 | 5,902 |
| Average equity | $6,350,200 | 6,252 |
| Average total loans | $27,573,600 | 6,523 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6325% | 6,252 |
| Cost of funding earning assets | 0.5702% | 7,347 |
| Net interest margin | 4.0622% | 2,800 |
| Noninterest income to average assets | 0.9052% | 1,780 |
| Noninterest expense to average assets | 3.9738% | 1,073 |
| Loan and lease loss provision to assets | 0.3043% | 4,142 |
| Net operating income to assets | 0.3375% | 5,020 |
| Return on assets (ROA) | 0.3375% | 5,193 |
| Pretax return on assets | 0.3375% | 5,407 |
| Return on Equity (ROE) | 3.5924% | 4,968 |
| Retained earnings to average equity (ytd only) | 1.9104% | 5,002 |
| Net charge-offs to loans | 0.7952% | 2,458 |
| Credit loss provision to net charge-offs | 93.9759% | 4,614 |
| Earnings coverage of net charge-offs (x) | 1.9819% | 4,229 |
| Efficiency ratio | 86.0947% | 1,622 |
| Assets per employee ($millions) | 2.2882% | 7,316 |
| Cash dividends to net income (ytd only)* | 46.8222% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4898% | 4,014 |
| Loan loss allowance to noncurrent loans | 47.2515% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2455% | 4,660 |
| Noncurrent loans to loans | 3.1529% | 2,523 |
| Net loans and leases to total assets | 38.9162% | 7,134 |
| Net loans and leases to deposits | 43.1184% | 7,264 |
| Net loans and leases to core deposits | 43.7168% | 7,329 |
| Total domestic deposits to total assets | 90.2542% | 750 |
| Equity capital to assets | 9.3219% | 5,101 |
| Core capital (leverage) ratio | 8.5080% | 5,492 |
| Tier 1 risk-based capital ratio | 17.5009% | 2,174 |
| Total risk-based capital ratio | 18.7523% | 2,144 |
| Memoranda: | ||
| Average total assets | $68,346,750 | 5,995 |
| Average earning assets | $62,427,500 | 5,978 |
| Average equity | $6,420,750 | 6,314 |
| Average total loans | $27,831,500 | 6,601 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7535% | 5,960 |
| Cost of funding earning assets | 0.5998% | 7,408 |
| Net interest margin | 4.1537% | 2,322 |
| Noninterest income to average assets | 0.9026% | 1,680 |
| Noninterest expense to average assets | 3.9679% | 1,086 |
| Loan and lease loss provision to assets | 0.3341% | 3,727 |
| Net operating income to assets | 0.3956% | 4,774 |
| Return on assets (ROA) | 0.3956% | 4,935 |
| Pretax return on assets | 0.3956% | 5,244 |
| Return on Equity (ROE) | 4.2004% | 4,683 |
| Retained earnings to average equity (ytd only) | 2.7691% | 4,371 |
| Net charge-offs to loans | 0.6413% | 2,620 |
| Credit loss provision to net charge-offs | 126.6667% | 3,181 |
| Earnings coverage of net charge-offs (x) | 2.7667% | 3,602 |
| Efficiency ratio | 84.4666% | 1,867 |
| Assets per employee ($millions) | 2.1888% | 7,447 |
| Cash dividends to net income (ytd only)* | 34.0741% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5483% | 3,678 |
| Loan loss allowance to noncurrent loans | 63.8484% | 4,138 |
| Noncurrent assets plus other real estate owned to assets | 1.0110% | 5,125 |
| Noncurrent loans to loans | 2.4250% | 3,223 |
| Net loans and leases to total assets | 41.0461% | 7,102 |
| Net loans and leases to deposits | 45.5171% | 7,273 |
| Net loans and leases to core deposits | 46.1545% | 7,348 |
| Total domestic deposits to total assets | 90.1773% | 828 |
| Equity capital to assets | 9.4307% | 4,819 |
| Core capital (leverage) ratio | 8.4820% | 5,441 |
| Tier 1 risk-based capital ratio | 16.5581% | 2,452 |
| Total risk-based capital ratio | 17.8089% | 2,403 |
| Memoranda: | ||
| Average total assets | $68,247,330 | 6,028 |
| Average earning assets | $62,354,000 | 6,009 |
| Average equity | $6,428,000 | 6,328 |
| Average total loans | $28,069,330 | 6,631 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8317% | 5,758 |
| Cost of funding earning assets | 0.6400% | 7,473 |
| Net interest margin | 4.1918% | 2,074 |
| Noninterest income to average assets | 0.9234% | 1,542 |
| Noninterest expense to average assets | 3.8980% | 1,170 |
| Loan and lease loss provision to assets | 0.4208% | 2,851 |
| Net operating income to assets | 0.4325% | 4,699 |
| Return on assets (ROA) | 0.4325% | 4,833 |
| Pretax return on assets | 0.4325% | 5,186 |
| Return on Equity (ROE) | 4.5945% | 4,598 |
| Retained earnings to average equity (ytd only) | 4.5945% | 3,390 |
| Net charge-offs to loans | 0.5007% | 2,563 |
| Credit loss provision to net charge-offs | 205.7143% | 1,817 |
| Earnings coverage of net charge-offs (x) | 4.1714% | 2,686 |
| Efficiency ratio | 82.0418% | 2,266 |
| Assets per employee ($millions) | 2.2063% | 7,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6305% | 3,325 |
| Loan loss allowance to noncurrent loans | 38.2852% | 5,803 |
| Noncurrent assets plus other real estate owned to assets | 1.7224% | 3,891 |
| Noncurrent loans to loans | 4.2589% | 1,793 |
| Net loans and leases to total assets | 39.7827% | 7,259 |
| Net loans and leases to deposits | 44.1253% | 7,397 |
| Net loans and leases to core deposits | 44.7362% | 7,464 |
| Total domestic deposits to total assets | 90.1585% | 912 |
| Equity capital to assets | 9.4687% | 4,584 |
| Core capital (leverage) ratio | 8.5028% | 5,369 |
| Tier 1 risk-based capital ratio | 16.7369% | 2,363 |
| Total risk-based capital ratio | 17.9897% | 2,316 |
| Memoranda: | ||
| Average total assets | $68,444,500 | 6,091 |
| Average earning assets | $62,503,500 | 6,061 |
| Average equity | $6,442,500 | 6,365 |
| Average total loans | $27,959,500 | 6,723 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3146% | 5,107 |
| Cost of funding earning assets | 0.9050% | 7,397 |
| Net interest margin | 4.4095% | 1,405 |
| Noninterest income to average assets | 0.9134% | 1,893 |
| Noninterest expense to average assets | 4.2011% | 1,097 |
| Loan and lease loss provision to assets | 0.3074% | 4,978 |
| Net operating income to assets | 0.4274% | 4,019 |
| Return on assets (ROA) | 0.4274% | 4,123 |
| Pretax return on assets | 0.4274% | 4,410 |
| Return on Equity (ROE) | 4.5364% | 3,866 |
| Retained earnings to average equity (ytd only) | 0.9011% | 4,393 |
| Net charge-offs to loans | 0.4080% | 4,183 |
| Credit loss provision to net charge-offs | 181.0345% | 2,288 |
| Earnings coverage of net charge-offs (x) | 4.3276% | 2,985 |
| Efficiency ratio | 85.1127% | 2,208 |
| Assets per employee ($millions) | 2.2095% | 7,561 |
| Cash dividends to net income (ytd only)* | 80.1370% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5323% | 3,561 |
| Loan loss allowance to noncurrent loans | 58.1208% | 4,508 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 4,918 |
| Noncurrent loans to loans | 2.6363% | 2,919 |
| Net loans and leases to total assets | 40.6249% | 7,316 |
| Net loans and leases to deposits | 44.9953% | 7,480 |
| Net loans and leases to core deposits | 52.1643% | 7,520 |
| Total domestic deposits to total assets | 90.2869% | 841 |
| Equity capital to assets | 9.3569% | 4,625 |
| Core capital (leverage) ratio | 8.1902% | 5,830 |
| Tier 1 risk-based capital ratio | 16.3193% | 2,391 |
| Total risk-based capital ratio | 17.5624% | 2,335 |
| Memoranda: | ||
| Average total assets | $68,314,800 | 6,061 |
| Average earning assets | $62,319,400 | 6,052 |
| Average equity | $6,436,800 | 6,449 |
| Average total loans | $28,431,000 | 6,720 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4535% | 4,670 |
| Cost of funding earning assets | 0.9551% | 7,478 |
| Net interest margin | 4.4984% | 1,195 |
| Noninterest income to average assets | 0.9003% | 1,978 |
| Noninterest expense to average assets | 3.9763% | 1,307 |
| Loan and lease loss provision to assets | 0.1758% | 5,601 |
| Net operating income to assets | 0.8417% | 2,649 |
| Return on assets (ROA) | 0.8417% | 2,710 |
| Pretax return on assets | 0.8417% | 3,407 |
| Return on Equity (ROE) | 8.9179% | 2,294 |
| Retained earnings to average equity (ytd only) | 5.3177% | 2,303 |
| Net charge-offs to loans | 0.1545% | 5,169 |
| Credit loss provision to net charge-offs | 272.7273% | 1,555 |
| Earnings coverage of net charge-offs (x) | 15.7875% | 1,516 |
| Efficiency ratio | 79.6246% | 2,912 |
| Assets per employee ($millions) | 2.2894% | 7,513 |
| Cash dividends to net income (ytd only)* | 40.3707% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3600% | 4,159 |
| Loan loss allowance to noncurrent loans | 66.2207% | 4,001 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 5,341 |
| Noncurrent loans to loans | 2.0537% | 3,560 |
| Net loans and leases to total assets | 41.8188% | 7,376 |
| Net loans and leases to deposits | 46.5051% | 7,550 |
| Net loans and leases to core deposits | 53.8299% | 7,598 |
| Total domestic deposits to total assets | 89.9231% | 796 |
| Equity capital to assets | 9.6852% | 4,518 |
| Core capital (leverage) ratio | 8.6077% | 5,294 |
| Tier 1 risk-based capital ratio | 16.4767% | 2,441 |
| Total risk-based capital ratio | 17.5858% | 2,439 |
| Memoranda: | ||
| Average total assets | $68,269,750 | 6,097 |
| Average earning assets | $62,123,750 | 6,101 |
| Average equity | $6,443,750 | 6,506 |
| Average total loans | $28,474,000 | 6,773 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5290% | 4,450 |
| Cost of funding earning assets | 1.0115% | 7,534 |
| Net interest margin | 4.5176% | 1,130 |
| Noninterest income to average assets | 0.9041% | 1,969 |
| Noninterest expense to average assets | 4.0245% | 1,281 |
| Loan and lease loss provision to assets | 0.1761% | 5,287 |
| Net operating income to assets | 0.8073% | 2,828 |
| Return on assets (ROA) | 0.8073% | 2,924 |
| Pretax return on assets | 0.8073% | 3,646 |
| Return on Equity (ROE) | 8.6284% | 2,502 |
| Retained earnings to average equity (ytd only) | 5.5221% | 2,237 |
| Net charge-offs to loans | 0.1062% | 5,099 |
| Credit loss provision to net charge-offs | 400.0000% | 1,152 |
| Earnings coverage of net charge-offs (x) | 22.3333% | 1,226 |
| Efficiency ratio | 80.3634% | 2,985 |
| Assets per employee ($millions) | 2.1783% | 7,699 |
| Cash dividends to net income (ytd only)* | 36.0000% | 2,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 3,980 |
| Loan loss allowance to noncurrent loans | 79.6680% | 3,527 |
| Noncurrent assets plus other real estate owned to assets | 0.7138% | 5,624 |
| Noncurrent loans to loans | 1.6950% | 3,965 |
| Net loans and leases to total assets | 41.5440% | 7,476 |
| Net loans and leases to deposits | 46.0989% | 7,629 |
| Net loans and leases to core deposits | 53.0573% | 7,682 |
| Total domestic deposits to total assets | 90.1194% | 779 |
| Equity capital to assets | 9.4186% | 4,719 |
| Core capital (leverage) ratio | 8.5772% | 5,303 |
| Tier 1 risk-based capital ratio | 16.3972% | 2,481 |
| Total risk-based capital ratio | 17.4826% | 2,486 |
| Memoranda: | ||
| Average total assets | $68,132,330 | 6,150 |
| Average earning assets | $61,891,330 | 6,149 |
| Average equity | $6,374,330 | 6,583 |
| Average total loans | $28,259,330 | 6,834 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6328% | 4,152 |
| Cost of funding earning assets | 1.0569% | 7,587 |
| Net interest margin | 4.5758% | 978 |
| Noninterest income to average assets | 0.9878% | 1,519 |
| Noninterest expense to average assets | 3.8167% | 1,442 |
| Loan and lease loss provision to assets | 0.1753% | 4,711 |
| Net operating income to assets | 1.1456% | 1,821 |
| Return on assets (ROA) | 1.1456% | 1,944 |
| Pretax return on assets | 1.1456% | 2,816 |
| Return on Equity (ROE) | 12.2855% | 1,576 |
| Retained earnings to average equity (ytd only) | 12.2855% | 743 |
| Net charge-offs to loans | 0.2130% | 3,361 |
| Credit loss provision to net charge-offs | 200.0000% | 2,207 |
| Earnings coverage of net charge-offs (x) | 15.0667% | 1,625 |
| Efficiency ratio | 74.2890% | 3,776 |
| Assets per employee ($millions) | 2.2150% | 7,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2617% | 4,332 |
| Loan loss allowance to noncurrent loans | 112.7389% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 0.4573% | 6,121 |
| Noncurrent loans to loans | 1.1191% | 4,744 |
| Net loans and leases to total assets | 40.3472% | 7,547 |
| Net loans and leases to deposits | 44.7937% | 7,700 |
| Net loans and leases to core deposits | 51.2743% | 7,749 |
| Total domestic deposits to total assets | 90.0734% | 768 |
| Equity capital to assets | 9.5363% | 4,622 |
| Core capital (leverage) ratio | 8.5176% | 5,495 |
| Tier 1 risk-based capital ratio | 16.5784% | 2,488 |
| Total risk-based capital ratio | 17.5866% | 2,517 |
| Memoranda: | ||
| Average total assets | $68,435,500 | 6,160 |
| Average earning assets | $62,065,500 | 6,171 |
| Average equity | $6,381,500 | 6,626 |
| Average total loans | $28,170,500 | 6,871 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1509% | 4,774 |
| Cost of funding earning assets | 1.3689% | 7,779 |
| Net interest margin | 4.7820% | 805 |
| Noninterest income to average assets | 0.9761% | 1,670 |
| Noninterest expense to average assets | 4.1719% | 1,177 |
| Loan and lease loss provision to assets | 0.3521% | 3,577 |
| Net operating income to assets | 0.7857% | 3,502 |
| Return on assets (ROA) | 0.7797% | 3,369 |
| Pretax return on assets | 0.7797% | 4,145 |
| Return on Equity (ROE) | 8.5900% | 2,795 |
| Retained earnings to average equity (ytd only) | 4.1785% | 2,527 |
| Net charge-offs to loans | 0.8454% | 1,489 |
| Credit loss provision to net charge-offs | 99.5726% | 5,390 |
| Earnings coverage of net charge-offs (x) | 3.2179% | 4,478 |
| Efficiency ratio | 78.5714% | 2,830 |
| Assets per employee ($millions) | 2.2736% | 7,603 |
| Cash dividends to net income (ytd only)* | 51.3566% | 3,060 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1986% | 4,541 |
| Loan loss allowance to noncurrent loans | 192.6136% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2580% | 6,548 |
| Noncurrent loans to loans | 0.6223% | 5,501 |
| Net loans and leases to total assets | 40.9694% | 7,626 |
| Net loans and leases to deposits | 45.2718% | 7,811 |
| Net loans and leases to core deposits | 51.8480% | 7,847 |
| Total domestic deposits to total assets | 90.4966% | 490 |
| Equity capital to assets | 9.1120% | 5,207 |
| Core capital (leverage) ratio | 8.2857% | 5,981 |
| Tier 1 risk-based capital ratio | 15.6065% | 2,814 |
| Total risk-based capital ratio | 16.5469% | 2,856 |
| Memoranda: | ||
| Average total assets | $66,180,600 | 6,153 |
| Average earning assets | $59,974,600 | 6,171 |
| Average equity | $6,007,000 | 6,800 |
| Average total loans | $27,680,800 | 6,866 |