Home > Oglesby State Bank > Performance and Condition Ratios
Oglesby State Bank, Performance and Condition Ratios
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9821% | 129 |
| Cost of funding earning assets | 0.5324% | 1,988 |
| Net interest margin | 5.4496% | 129 |
| Noninterest income to average assets | 0.9367% | 1,277 |
| Noninterest expense to average assets | 5.1811% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8489% | 3,016 |
| Return on assets (ROA) | 0.8489% | 3,134 |
| Pretax return on assets | 0.8489% | 4,064 |
| Return on Equity (ROE) | 7.8352% | 3,052 |
| Retained earnings to average equity (ytd only) | -19.1827% | 6,265 |
| Net charge-offs to loans | -0.0362% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9223% | 1,186 |
| Assets per employee ($millions) | 4.5147% | 3,035 |
| Cash dividends to net income (ytd only)* | 344.8276% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 3,803 |
| Loan loss allowance to noncurrent loans | 805.8824% | 655 |
| Noncurrent assets plus other real estate owned to assets | 0.1255% | 5,455 |
| Noncurrent loans to loans | 0.1522% | 5,236 |
| Net loans and leases to total assets | 81.4383% | 524 |
| Net loans and leases to deposits | 91.3458% | 1,250 |
| Net loans and leases to core deposits | 91.3458% | 1,998 |
| Total domestic deposits to total assets | 89.1539% | 1,170 |
| Equity capital to assets | 10.6689% | 3,346 |
| Core capital (leverage) ratio | 10.4855% | 2,979 |
| Tier 1 risk-based capital ratio | 15.6385% | 3,087 |
| Total risk-based capital ratio | 16.8831% | 3,026 |
| Memoranda: | ||
| Average total assets | $13,665,000 | 6,388 |
| Average earning assets | $12,771,500 | 6,370 |
| Average equity | $1,480,500 | 6,380 |
| Average total loans | $11,054,500 | 6,203 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7946% | 195 |
| Cost of funding earning assets | 0.5688% | 2,056 |
| Net interest margin | 5.2257% | 203 |
| Noninterest income to average assets | 0.9724% | 1,279 |
| Noninterest expense to average assets | 4.8478% | 346 |
| Loan and lease loss provision to assets | 0.1136% | 2,276 |
| Net operating income to assets | 0.9014% | 2,863 |
| Return on assets (ROA) | 0.9014% | 2,951 |
| Pretax return on assets | 0.9014% | 3,897 |
| Return on Equity (ROE) | 8.6418% | 2,768 |
| Retained earnings to average equity (ytd only) | 1.1568% | 5,258 |
| Net charge-offs to loans | 0.5103% | 801 |
| Credit loss provision to net charge-offs | 28.5714% | 3,855 |
| Earnings coverage of net charge-offs (x) | 2.5536% | 4,125 |
| Efficiency ratio | 82.6877% | 1,572 |
| Assets per employee ($millions) | 3.4465% | 4,982 |
| Cash dividends to net income (ytd only)* | 86.6142% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2429% | 3,753 |
| Loan loss allowance to noncurrent loans | 453.3333% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2176% | 5,152 |
| Noncurrent loans to loans | 0.2742% | 4,870 |
| Net loans and leases to total assets | 78.3839% | 953 |
| Net loans and leases to deposits | 88.2122% | 1,709 |
| Net loans and leases to core deposits | 88.2122% | 2,474 |
| Total domestic deposits to total assets | 88.8583% | 1,316 |
| Equity capital to assets | 10.9967% | 2,900 |
| Core capital (leverage) ratio | 10.9474% | 2,455 |
| Tier 1 risk-based capital ratio | 16.1157% | 2,911 |
| Total risk-based capital ratio | 17.3700% | 2,846 |
| Memoranda: | ||
| Average total assets | $14,088,800 | 6,472 |
| Average earning assets | $13,184,800 | 6,455 |
| Average equity | $1,469,600 | 6,464 |
| Average total loans | $10,973,800 | 6,288 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7576% | 207 |
| Cost of funding earning assets | 0.5718% | 2,089 |
| Net interest margin | 5.1859% | 208 |
| Noninterest income to average assets | 0.9131% | 1,484 |
| Noninterest expense to average assets | 4.7818% | 365 |
| Loan and lease loss provision to assets | 0.1506% | 1,652 |
| Net operating income to assets | 0.8472% | 3,190 |
| Return on assets (ROA) | 0.8472% | 3,284 |
| Pretax return on assets | 0.8472% | 4,187 |
| Return on Equity (ROE) | 8.2305% | 3,078 |
| Retained earnings to average equity (ytd only) | -1.8292% | 6,051 |
| Net charge-offs to loans | 0.4007% | 990 |
| Credit loss provision to net charge-offs | 48.4848% | 3,128 |
| Earnings coverage of net charge-offs (x) | 3.2120% | 3,705 |
| Efficiency ratio | 82.7362% | 1,523 |
| Assets per employee ($millions) | 3.3995% | 5,049 |
| Cash dividends to net income (ytd only)* | 122.2167% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4896% | 2,773 |
| Loan loss allowance to noncurrent loans | 481.8182% | 1,003 |
| Noncurrent assets plus other real estate owned to assets | 0.2427% | 5,253 |
| Noncurrent loans to loans | 0.3092% | 4,982 |
| Net loans and leases to total assets | 77.3275% | 1,052 |
| Net loans and leases to deposits | 87.2035% | 1,763 |
| Net loans and leases to core deposits | 87.2035% | 2,514 |
| Total domestic deposits to total assets | 88.6748% | 1,411 |
| Equity capital to assets | 10.8766% | 3,091 |
| Core capital (leverage) ratio | 10.9055% | 2,574 |
| Tier 1 risk-based capital ratio | 16.1463% | 2,986 |
| Total risk-based capital ratio | 17.4017% | 2,938 |
| Memoranda: | ||
| Average total assets | $14,164,500 | 6,550 |
| Average earning assets | $13,292,250 | 6,533 |
| Average equity | $1,458,000 | 6,542 |
| Average total loans | $10,981,750 | 6,360 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 240 |
| Cost of funding earning assets | 0.5642% | 2,222 |
| Net interest margin | 5.0923% | 239 |
| Noninterest income to average assets | 0.8778% | 1,564 |
| Noninterest expense to average assets | 4.6679% | 396 |
| Loan and lease loss provision to assets | 0.2229% | 1,038 |
| Net operating income to assets | 0.7664% | 3,479 |
| Return on assets (ROA) | 0.7664% | 3,587 |
| Pretax return on assets | 0.7664% | 4,397 |
| Return on Equity (ROE) | 7.5810% | 3,328 |
| Retained earnings to average equity (ytd only) | -7.5810% | 6,359 |
| Net charge-offs to loans | 0.6135% | 651 |
| Credit loss provision to net charge-offs | 47.0588% | 2,836 |
| Earnings coverage of net charge-offs (x) | 2.0882% | 3,644 |
| Efficiency ratio | 82.5123% | 1,689 |
| Assets per employee ($millions) | 3.4978% | 4,853 |
| Cash dividends to net income (ytd only)* | 200.0000% | 121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 3,010 |
| Loan loss allowance to noncurrent loans | 316.0000% | 1,445 |
| Noncurrent assets plus other real estate owned to assets | 0.3574% | 4,956 |
| Noncurrent loans to loans | 0.4669% | 4,597 |
| Net loans and leases to total assets | 75.4128% | 1,247 |
| Net loans and leases to deposits | 84.4283% | 1,989 |
| Net loans and leases to core deposits | 84.4283% | 2,693 |
| Total domestic deposits to total assets | 89.3217% | 1,198 |
| Equity capital to assets | 10.3209% | 3,659 |
| Core capital (leverage) ratio | 10.1949% | 3,345 |
| Tier 1 risk-based capital ratio | 15.4670% | 3,369 |
| Total risk-based capital ratio | 16.7202% | 3,312 |
| Memoranda: | ||
| Average total assets | $14,353,330 | 6,615 |
| Average earning assets | $13,471,330 | 6,597 |
| Average equity | $1,451,000 | 6,605 |
| Average total loans | $11,084,330 | 6,409 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6123% | 253 |
| Cost of funding earning assets | 0.5877% | 2,091 |
| Net interest margin | 5.0246% | 258 |
| Noninterest income to average assets | 0.8531% | 1,546 |
| Noninterest expense to average assets | 4.5409% | 440 |
| Loan and lease loss provision to assets | 0.4403% | 361 |
| Net operating income to assets | 0.5779% | 4,308 |
| Return on assets (ROA) | 0.5779% | 4,378 |
| Pretax return on assets | 0.5779% | 4,904 |
| Return on Equity (ROE) | 5.7752% | 4,142 |
| Retained earnings to average equity (ytd only) | -24.4758% | 6,579 |
| Net charge-offs to loans | 0.6742% | 543 |
| Credit loss provision to net charge-offs | 84.2105% | 1,856 |
| Earnings coverage of net charge-offs (x) | 1.9474% | 2,979 |
| Efficiency ratio | 81.6832% | 1,968 |
| Assets per employee ($millions) | 3.6603% | 4,607 |
| Cash dividends to net income (ytd only)* | 523.8095% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5513% | 2,915 |
| Loan loss allowance to noncurrent loans | 283.6066% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 4,890 |
| Noncurrent loans to loans | 0.5470% | 4,526 |
| Net loans and leases to total assets | 74.9880% | 1,130 |
| Net loans and leases to deposits | 84.0208% | 1,818 |
| Net loans and leases to core deposits | 84.0208% | 2,507 |
| Total domestic deposits to total assets | 89.2494% | 1,506 |
| Equity capital to assets | 9.6305% | 4,314 |
| Core capital (leverage) ratio | 9.5270% | 4,241 |
| Tier 1 risk-based capital ratio | 14.5812% | 3,956 |
| Total risk-based capital ratio | 15.8428% | 3,902 |
| Memoranda: | ||
| Average total assets | $14,534,500 | 6,688 |
| Average earning assets | $13,613,000 | 6,669 |
| Average equity | $1,454,500 | 6,672 |
| Average total loans | $11,272,000 | 6,469 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1061% | 146 |
| Cost of funding earning assets | 0.5992% | 2,664 |
| Net interest margin | 5.5068% | 135 |
| Noninterest income to average assets | 1.2793% | 841 |
| Noninterest expense to average assets | 4.6320% | 469 |
| Loan and lease loss provision to assets | 0.1125% | 2,936 |
| Net operating income to assets | 1.6377% | 638 |
| Return on assets (ROA) | 1.6377% | 655 |
| Pretax return on assets | 1.6377% | 1,082 |
| Return on Equity (ROE) | 16.6882% | 540 |
| Retained earnings to average equity (ytd only) | 12.0327% | 317 |
| Net charge-offs to loans | 0.1635% | 3,178 |
| Credit loss provision to net charge-offs | 84.2105% | 2,921 |
| Earnings coverage of net charge-offs (x) | 13.1053% | 2,061 |
| Efficiency ratio | 72.5771% | 3,375 |
| Assets per employee ($millions) | 3.6070% | 4,663 |
| Cash dividends to net income (ytd only)* | 27.8970% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5449% | 2,980 |
| Loan loss allowance to noncurrent loans | 244.4444% | 1,760 |
| Noncurrent assets plus other real estate owned to assets | 0.4990% | 4,738 |
| Noncurrent loans to loans | 0.6320% | 4,400 |
| Net loans and leases to total assets | 77.7377% | 855 |
| Net loans and leases to deposits | 87.0875% | 1,563 |
| Net loans and leases to core deposits | 87.0875% | 2,340 |
| Total domestic deposits to total assets | 89.2639% | 1,450 |
| Equity capital to assets | 10.3895% | 3,298 |
| Core capital (leverage) ratio | 10.3737% | 3,058 |
| Tier 1 risk-based capital ratio | 15.1828% | 3,554 |
| Total risk-based capital ratio | 16.4388% | 3,496 |
| Memoranda: | ||
| Average total assets | $14,227,000 | 6,769 |
| Average earning assets | $13,183,600 | 6,756 |
| Average equity | $1,396,200 | 6,766 |
| Average total loans | $11,622,600 | 6,534 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1143% | 143 |
| Cost of funding earning assets | 0.6094% | 2,737 |
| Net interest margin | 5.5049% | 130 |
| Noninterest income to average assets | 1.2979% | 880 |
| Noninterest expense to average assets | 4.5707% | 482 |
| Loan and lease loss provision to assets | 0.1222% | 2,764 |
| Net operating income to assets | 1.7023% | 627 |
| Return on assets (ROA) | 1.7023% | 654 |
| Pretax return on assets | 1.7023% | 1,093 |
| Return on Equity (ROE) | 17.6089% | 476 |
| Retained earnings to average equity (ytd only) | 11.2849% | 524 |
| Net charge-offs to loans | 0.1826% | 2,769 |
| Credit loss provision to net charge-offs | 81.2500% | 2,819 |
| Earnings coverage of net charge-offs (x) | 12.1266% | 2,170 |
| Efficiency ratio | 71.4706% | 3,516 |
| Assets per employee ($millions) | 3.6768% | 4,493 |
| Cash dividends to net income (ytd only)* | 35.9093% | 2,432 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5158% | 3,392 |
| Loan loss allowance to noncurrent loans | 628.5714% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 5,604 |
| Noncurrent loans to loans | 0.2412% | 5,635 |
| Net loans and leases to total assets | 77.7521% | 773 |
| Net loans and leases to deposits | 86.7076% | 1,523 |
| Net loans and leases to core deposits | 86.7076% | 2,322 |
| Total domestic deposits to total assets | 89.6716% | 1,185 |
| Equity capital to assets | 9.8389% | 4,117 |
| Core capital (leverage) ratio | 10.2508% | 3,327 |
| Tier 1 risk-based capital ratio | 14.3837% | 4,159 |
| Total risk-based capital ratio | 15.6362% | 4,114 |
| Memoranda: | ||
| Average total assets | $14,176,750 | 6,847 |
| Average earning assets | $13,127,500 | 6,836 |
| Average equity | $1,370,500 | 6,850 |
| Average total loans | $11,680,250 | 6,601 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1393% | 144 |
| Cost of funding earning assets | 0.6155% | 2,802 |
| Net interest margin | 5.5238% | 130 |
| Noninterest income to average assets | 1.4143% | 789 |
| Noninterest expense to average assets | 4.6571% | 467 |
| Loan and lease loss provision to assets | 0.1286% | 2,711 |
| Net operating income to assets | 1.7571% | 564 |
| Return on assets (ROA) | 1.7571% | 608 |
| Pretax return on assets | 1.7571% | 1,001 |
| Return on Equity (ROE) | 18.2900% | 441 |
| Retained earnings to average equity (ytd only) | 8.6245% | 1,250 |
| Net charge-offs to loans | 0.0684% | 3,736 |
| Credit loss provision to net charge-offs | 225.0000% | 1,090 |
| Earnings coverage of net charge-offs (x) | 33.0000% | 1,068 |
| Efficiency ratio | 71.1790% | 3,618 |
| Assets per employee ($millions) | 3.5010% | 4,851 |
| Cash dividends to net income (ytd only)* | 52.8455% | 1,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5693% | 3,277 |
| Loan loss allowance to noncurrent loans | 484.2105% | 900 |
| Noncurrent assets plus other real estate owned to assets | 0.3642% | 5,398 |
| Noncurrent loans to loans | 0.3241% | 5,484 |
| Net loans and leases to total assets | 82.4122% | 332 |
| Net loans and leases to deposits | 91.9602% | 966 |
| Net loans and leases to core deposits | 91.9602% | 1,715 |
| Total domestic deposits to total assets | 89.6173% | 1,255 |
| Equity capital to assets | 9.9257% | 4,008 |
| Core capital (leverage) ratio | 10.2613% | 3,155 |
| Tier 1 risk-based capital ratio | 13.8653% | 4,513 |
| Total risk-based capital ratio | 15.1222% | 4,482 |
| Memoranda: | ||
| Average total assets | $14,000,000 | 6,897 |
| Average earning assets | $12,998,330 | 6,885 |
| Average equity | $1,345,000 | 6,900 |
| Average total loans | $11,703,330 | 6,642 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0858% | 147 |
| Cost of funding earning assets | 0.6147% | 2,971 |
| Net interest margin | 5.4710% | 127 |
| Noninterest income to average assets | 1.0001% | 1,459 |
| Noninterest expense to average assets | 4.6578% | 472 |
| Loan and lease loss provision to assets | 0.0857% | 3,232 |
| Net operating income to assets | 1.3430% | 1,168 |
| Return on assets (ROA) | 1.3430% | 1,263 |
| Pretax return on assets | 1.3430% | 2,062 |
| Return on Equity (ROE) | 14.2155% | 923 |
| Retained earnings to average equity (ytd only) | -5.4442% | 6,396 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5258% | 2,840 |
| Assets per employee ($millions) | 3.4715% | 5,037 |
| Cash dividends to net income (ytd only)* | 138.2979% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5696% | 3,527 |
| Loan loss allowance to noncurrent loans | 494.5946% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.2665% | 5,764 |
| Noncurrent loans to loans | 0.3174% | 5,606 |
| Net loans and leases to total assets | 82.6444% | 259 |
| Net loans and leases to deposits | 92.1989% | 787 |
| Net loans and leases to core deposits | 92.1989% | 1,488 |
| Total domestic deposits to total assets | 89.6370% | 1,267 |
| Equity capital to assets | 9.4556% | 4,918 |
| Core capital (leverage) ratio | 9.2975% | 4,402 |
| Tier 1 risk-based capital ratio | 13.1986% | 5,070 |
| Total risk-based capital ratio | 14.4552% | 5,018 |
| Memoranda: | ||
| Average total assets | $13,998,000 | 6,973 |
| Average earning assets | $13,014,000 | 6,961 |
| Average equity | $1,322,500 | 6,972 |
| Average total loans | $11,692,500 | 6,711 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3868% | 146 |
| Cost of funding earning assets | 0.7088% | 3,430 |
| Net interest margin | 5.6781% | 136 |
| Noninterest income to average assets | 1.0574% | 1,386 |
| Noninterest expense to average assets | 4.9157% | 399 |
| Loan and lease loss provision to assets | 0.2787% | 2,426 |
| Net operating income to assets | 1.1289% | 1,845 |
| Return on assets (ROA) | 1.1289% | 2,014 |
| Pretax return on assets | 1.1289% | 3,057 |
| Return on Equity (ROE) | 12.6420% | 1,322 |
| Retained earnings to average equity (ytd only) | 8.6414% | 929 |
| Net charge-offs to loans | 0.5060% | 2,220 |
| Credit loss provision to net charge-offs | 65.0000% | 4,320 |
| Earnings coverage of net charge-offs (x) | 3.2833% | 3,786 |
| Efficiency ratio | 77.7401% | 2,492 |
| Assets per employee ($millions) | 3.5275% | 4,960 |
| Cash dividends to net income (ytd only)* | 31.6456% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5265% | 3,638 |
| Loan loss allowance to noncurrent loans | 436.5854% | 918 |
| Noncurrent assets plus other real estate owned to assets | 0.2906% | 5,811 |
| Noncurrent loans to loans | 0.3497% | 5,612 |
| Net loans and leases to total assets | 81.8356% | 336 |
| Net loans and leases to deposits | 90.7498% | 1,002 |
| Net loans and leases to core deposits | 90.7498% | 1,747 |
| Total domestic deposits to total assets | 90.1772% | 862 |
| Equity capital to assets | 9.4401% | 4,949 |
| Core capital (leverage) ratio | 9.4939% | 4,113 |
| Tier 1 risk-based capital ratio | 13.2894% | 4,908 |
| Total risk-based capital ratio | 14.5465% | 4,847 |
| Memoranda: | ||
| Average total assets | $13,996,000 | 7,037 |
| Average earning assets | $12,979,800 | 7,022 |
| Average equity | $1,249,800 | 7,046 |
| Average total loans | $11,857,400 | 6,782 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4589% | 146 |
| Cost of funding earning assets | 0.7302% | 3,514 |
| Net interest margin | 5.7287% | 135 |
| Noninterest income to average assets | 0.9927% | 1,524 |
| Noninterest expense to average assets | 4.9256% | 379 |
| Loan and lease loss provision to assets | 0.3245% | 2,022 |
| Net operating income to assets | 1.0596% | 2,256 |
| Return on assets (ROA) | 1.0596% | 2,466 |
| Pretax return on assets | 1.0596% | 3,506 |
| Return on Equity (ROE) | 12.0399% | 1,626 |
| Retained earnings to average equity (ytd only) | 6.6162% | 2,323 |
| Net charge-offs to loans | 0.0112% | 5,552 |
| Credit loss provision to net charge-offs | 3,400.0000% | 84 |
| Earnings coverage of net charge-offs (x) | 145.3609% | 308 |
| Efficiency ratio | 78.0635% | 2,395 |
| Assets per employee ($millions) | 3.4373% | 5,126 |
| Cash dividends to net income (ytd only)* | 45.0473% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 2,354 |
| Loan loss allowance to noncurrent loans | 2,330.0000% | 230 |
| Noncurrent assets plus other real estate owned to assets | 0.0727% | 6,556 |
| Noncurrent loans to loans | 0.0834% | 6,404 |
| Net loans and leases to total assets | 85.5553% | 164 |
| Net loans and leases to deposits | 94.9318% | 725 |
| Net loans and leases to core deposits | 94.9318% | 1,494 |
| Total domestic deposits to total assets | 90.1229% | 780 |
| Equity capital to assets | 9.3389% | 5,420 |
| Core capital (leverage) ratio | 9.5041% | 4,261 |
| Tier 1 risk-based capital ratio | 12.6953% | 5,482 |
| Total risk-based capital ratio | 13.9608% | 5,437 |
| Memoranda: | ||
| Average total assets | $13,967,500 | 7,133 |
| Average earning assets | $12,963,750 | 7,117 |
| Average equity | $1,229,250 | 7,145 |
| Average total loans | $11,890,250 | 6,875 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3234% | 183 |
| Cost of funding earning assets | 0.7539% | 3,575 |
| Net interest margin | 5.5695% | 162 |
| Noninterest income to average assets | 0.8832% | 1,853 |
| Noninterest expense to average assets | 4.9856% | 380 |
| Loan and lease loss provision to assets | 0.3561% | 1,853 |
| Net operating income to assets | 0.6980% | 3,877 |
| Return on assets (ROA) | 0.6980% | 4,145 |
| Pretax return on assets | 0.6980% | 4,835 |
| Return on Equity (ROE) | 8.0925% | 3,218 |
| Retained earnings to average equity (ytd only) | -0.1652% | 6,071 |
| Net charge-offs to loans | 0.0337% | 4,906 |
| Credit loss provision to net charge-offs | 1,250.0000% | 256 |
| Earnings coverage of net charge-offs (x) | 37.0000% | 929 |
| Efficiency ratio | 82.5472% | 1,809 |
| Assets per employee ($millions) | 3.3095% | 5,427 |
| Cash dividends to net income (ytd only)* | 102.0408% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8773% | 2,623 |
| Loan loss allowance to noncurrent loans | 2,230.0000% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 6,622 |
| Noncurrent loans to loans | 0.0842% | 6,448 |
| Net loans and leases to total assets | 88.0496% | 78 |
| Net loans and leases to deposits | 97.4826% | 554 |
| Net loans and leases to core deposits | 97.4826% | 1,309 |
| Total domestic deposits to total assets | 90.3233% | 749 |
| Equity capital to assets | 9.2386% | 5,418 |
| Core capital (leverage) ratio | 8.9986% | 4,921 |
| Tier 1 risk-based capital ratio | 12.1788% | 5,813 |
| Total risk-based capital ratio | 13.4635% | 5,765 |
| Memoranda: | ||
| Average total assets | $14,040,330 | 7,194 |
| Average earning assets | $12,999,330 | 7,180 |
| Average equity | $1,211,000 | 7,203 |
| Average total loans | $11,855,000 | 6,933 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1320% | 252 |
| Cost of funding earning assets | 0.7777% | 3,642 |
| Net interest margin | 5.3543% | 227 |
| Noninterest income to average assets | 0.8032% | 2,153 |
| Noninterest expense to average assets | 4.8471% | 409 |
| Loan and lease loss provision to assets | 0.5263% | 1,141 |
| Net operating income to assets | 0.3878% | 5,311 |
| Return on assets (ROA) | 0.3878% | 5,491 |
| Pretax return on assets | 0.3878% | 5,755 |
| Return on Equity (ROE) | 4.6473% | 4,960 |
| Retained earnings to average equity (ytd only) | -11.9502% | 6,900 |
| Net charge-offs to loans | -0.1013% | 6,792 |
| Credit loss provision to net charge-offs | -633.3333% | 5,832 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1346% | 1,674 |
| Assets per employee ($millions) | 2.9018% | 6,350 |
| Cash dividends to net income (ytd only)* | 357.1429% | 46 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8775% | 2,746 |
| Loan loss allowance to noncurrent loans | 2,220.0000% | 205 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 6,714 |
| Noncurrent loans to loans | 0.0846% | 6,544 |
| Net loans and leases to total assets | 79.9642% | 406 |
| Net loans and leases to deposits | 87.4830% | 1,230 |
| Net loans and leases to core deposits | 88.1410% | 2,035 |
| Total domestic deposits to total assets | 91.4053% | 402 |
| Equity capital to assets | 8.1742% | 6,392 |
| Core capital (leverage) ratio | 8.1744% | 6,067 |
| Tier 1 risk-based capital ratio | 11.6544% | 6,189 |
| Total risk-based capital ratio | 12.9111% | 6,165 |
| Memoranda: | ||
| Average total assets | $14,441,500 | 7,255 |
| Average earning assets | $13,372,500 | 7,235 |
| Average equity | $1,205,000 | 7,261 |
| Average total loans | $11,843,000 | 6,991 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6319% | 154 |
| Cost of funding earning assets | 0.8698% | 4,325 |
| Net interest margin | 5.7621% | 118 |
| Noninterest income to average assets | 0.9243% | 1,591 |
| Noninterest expense to average assets | 4.9082% | 403 |
| Loan and lease loss provision to assets | 0.6449% | 1,584 |
| Net operating income to assets | 0.6879% | 3,545 |
| Return on assets (ROA) | 0.6879% | 3,731 |
| Pretax return on assets | 0.6879% | 4,370 |
| Return on Equity (ROE) | 8.0672% | 2,867 |
| Retained earnings to average equity (ytd only) | 4.4538% | 3,004 |
| Net charge-offs to loans | 0.4022% | 3,407 |
| Credit loss provision to net charge-offs | 187.5000% | 1,368 |
| Earnings coverage of net charge-offs (x) | 3.8750% | 3,351 |
| Efficiency ratio | 78.6452% | 2,507 |
| Assets per employee ($millions) | 2.8748% | 6,330 |
| Cash dividends to net income (ytd only)* | 44.7917% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6861% | 3,250 |
| Loan loss allowance to noncurrent loans | 161.2903% | 1,996 |
| Noncurrent assets plus other real estate owned to assets | 0.8627% | 4,902 |
| Noncurrent loans to loans | 1.0454% | 4,620 |
| Net loans and leases to total assets | 81.1326% | 398 |
| Net loans and leases to deposits | 89.1045% | 1,257 |
| Net loans and leases to core deposits | 89.7837% | 2,156 |
| Total domestic deposits to total assets | 91.0533% | 485 |
| Equity capital to assets | 8.5154% | 6,129 |
| Core capital (leverage) ratio | 8.4048% | 5,707 |
| Tier 1 risk-based capital ratio | 11.8679% | 5,920 |
| Total risk-based capital ratio | 13.1273% | 5,897 |
| Memoranda: | ||
| Average total assets | $13,956,200 | 7,300 |
| Average earning assets | $12,877,200 | 7,286 |
| Average equity | $1,190,000 | 7,316 |
| Average total loans | $11,935,200 | 7,035 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7060% | 149 |
| Cost of funding earning assets | 0.8865% | 4,494 |
| Net interest margin | 5.8195% | 110 |
| Noninterest income to average assets | 0.8952% | 1,670 |
| Noninterest expense to average assets | 4.8224% | 431 |
| Loan and lease loss provision to assets | 0.6545% | 1,492 |
| Net operating income to assets | 0.7893% | 3,220 |
| Return on assets (ROA) | 0.7893% | 3,384 |
| Pretax return on assets | 0.7893% | 4,172 |
| Return on Equity (ROE) | 9.2535% | 2,481 |
| Retained earnings to average equity (ytd only) | 4.4012% | 3,596 |
| Net charge-offs to loans | 0.2788% | 3,688 |
| Credit loss provision to net charge-offs | 272.0000% | 1,054 |
| Earnings coverage of net charge-offs (x) | 6.0006% | 2,643 |
| Efficiency ratio | 76.9585% | 2,680 |
| Assets per employee ($millions) | 2.8836% | 6,345 |
| Cash dividends to net income (ytd only)* | 52.4376% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6770% | 3,352 |
| Loan loss allowance to noncurrent loans | 804.0000% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.1734% | 6,615 |
| Noncurrent loans to loans | 0.2086% | 6,457 |
| Net loans and leases to total assets | 81.7381% | 379 |
| Net loans and leases to deposits | 89.7494% | 1,245 |
| Net loans and leases to core deposits | 90.4312% | 2,200 |
| Total domestic deposits to total assets | 91.0737% | 413 |
| Equity capital to assets | 8.3923% | 6,403 |
| Core capital (leverage) ratio | 8.4215% | 5,822 |
| Tier 1 risk-based capital ratio | 11.4086% | 6,293 |
| Total risk-based capital ratio | 12.6626% | 6,290 |
| Memoranda: | ||
| Average total assets | $13,851,750 | 7,378 |
| Average earning assets | $12,784,250 | 7,362 |
| Average equity | $1,181,500 | 7,392 |
| Average total loans | $11,953,500 | 7,104 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8399% | 132 |
| Cost of funding earning assets | 0.9226% | 4,503 |
| Net interest margin | 5.9173% | 101 |
| Noninterest income to average assets | 0.9368% | 1,502 |
| Noninterest expense to average assets | 4.8452% | 416 |
| Loan and lease loss provision to assets | 0.6587% | 1,460 |
| Net operating income to assets | 0.8783% | 2,742 |
| Return on assets (ROA) | 0.8783% | 2,839 |
| Pretax return on assets | 0.8783% | 3,723 |
| Return on Equity (ROE) | 10.2389% | 2,036 |
| Retained earnings to average equity (ytd only) | 2.9010% | 4,438 |
| Net charge-offs to loans | 0.4857% | 2,646 |
| Credit loss provision to net charge-offs | 155.1724% | 1,964 |
| Earnings coverage of net charge-offs (x) | 3.6207% | 3,107 |
| Efficiency ratio | 75.9174% | 3,024 |
| Assets per employee ($millions) | 2.8476% | 6,392 |
| Cash dividends to net income (ytd only)* | 71.6667% | 991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4512% | 4,340 |
| Loan loss allowance to noncurrent loans | 669.2308% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1826% | 6,645 |
| Noncurrent loans to loans | 0.2168% | 6,471 |
| Net loans and leases to total assets | 82.9892% | 307 |
| Net loans and leases to deposits | 90.9833% | 1,163 |
| Net loans and leases to core deposits | 92.3919% | 2,086 |
| Total domestic deposits to total assets | 91.2137% | 422 |
| Equity capital to assets | 8.3439% | 6,372 |
| Core capital (leverage) ratio | 8.5782% | 5,433 |
| Tier 1 risk-based capital ratio | 11.5452% | 6,136 |
| Total risk-based capital ratio | 12.7988% | 6,123 |
| Memoranda: | ||
| Average total assets | $13,663,000 | 7,454 |
| Average earning assets | $12,573,330 | 7,438 |
| Average equity | $1,172,000 | 7,467 |
| Average total loans | $11,942,670 | 7,175 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9753% | 113 |
| Cost of funding earning assets | 0.9824% | 4,333 |
| Net interest margin | 5.9929% | 100 |
| Noninterest income to average assets | 0.9271% | 1,556 |
| Noninterest expense to average assets | 4.8447% | 418 |
| Loan and lease loss provision to assets | 0.6878% | 1,232 |
| Net operating income to assets | 0.8673% | 2,715 |
| Return on assets (ROA) | 0.8673% | 2,773 |
| Pretax return on assets | 0.8673% | 3,634 |
| Return on Equity (ROE) | 9.9656% | 2,108 |
| Retained earnings to average equity (ytd only) | -4.8110% | 6,505 |
| Net charge-offs to loans | 0.9397% | 1,424 |
| Credit loss provision to net charge-offs | 82.1429% | 3,116 |
| Earnings coverage of net charge-offs (x) | 1.8571% | 3,376 |
| Efficiency ratio | 75.7009% | 3,208 |
| Assets per employee ($millions) | 3.3068% | 5,462 |
| Cash dividends to net income (ytd only)* | 148.2759% | 340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2728% | 5,279 |
| Loan loss allowance to noncurrent loans | 402.6316% | 778 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 6,472 |
| Noncurrent loans to loans | 0.3161% | 6,358 |
| Net loans and leases to total assets | 89.7256% | 48 |
| Net loans and leases to deposits | 99.1562% | 518 |
| Net loans and leases to core deposits | 102.5490% | 1,158 |
| Total domestic deposits to total assets | 90.4892% | 847 |
| Equity capital to assets | 8.7473% | 5,579 |
| Core capital (leverage) ratio | 8.2455% | 5,910 |
| Tier 1 risk-based capital ratio | 11.5109% | 6,095 |
| Total risk-based capital ratio | 12.7634% | 6,074 |
| Memoranda: | ||
| Average total assets | $13,375,500 | 7,515 |
| Average earning assets | $12,214,500 | 7,500 |
| Average equity | $1,164,000 | 7,525 |
| Average total loans | $11,919,000 | 7,230 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2082% | 112 |
| Cost of funding earning assets | 1.3459% | 3,602 |
| Net interest margin | 5.8623% | 113 |
| Noninterest income to average assets | 0.9812% | 1,567 |
| Noninterest expense to average assets | 4.8615% | 469 |
| Loan and lease loss provision to assets | 0.5947% | 2,757 |
| Net operating income to assets | 0.8028% | 2,789 |
| Return on assets (ROA) | 0.8028% | 2,921 |
| Pretax return on assets | 0.8028% | 3,622 |
| Return on Equity (ROE) | 9.7087% | 2,034 |
| Retained earnings to average equity (ytd only) | 9.7087% | 569 |
| Net charge-offs to loans | 0.4439% | 3,843 |
| Credit loss provision to net charge-offs | 150.9434% | 2,391 |
| Earnings coverage of net charge-offs (x) | 3.5472% | 3,310 |
| Efficiency ratio | 77.6722% | 2,764 |
| Assets per employee ($millions) | 2.7048% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,815 |
| Loan loss allowance to noncurrent loans | 415.7895% | 749 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 6,547 |
| Noncurrent loans to loans | 0.3216% | 6,407 |
| Net loans and leases to total assets | 86.2097% | 177 |
| Net loans and leases to deposits | 94.8195% | 980 |
| Net loans and leases to core deposits | 100.4826% | 1,576 |
| Total domestic deposits to total assets | 90.9198% | 637 |
| Equity capital to assets | 8.6587% | 5,643 |
| Core capital (leverage) ratio | 8.6580% | 5,094 |
| Tier 1 risk-based capital ratio | 11.7665% | 5,677 |
| Total risk-based capital ratio | 13.0125% | 5,684 |
| Memoranda: | ||
| Average total assets | $13,452,600 | 7,590 |
| Average earning assets | $12,111,200 | 7,579 |
| Average equity | $1,112,400 | 7,623 |
| Average total loans | $11,939,400 | 7,310 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2135% | 114 |
| Cost of funding earning assets | 1.4118% | 3,508 |
| Net interest margin | 5.8017% | 115 |
| Noninterest income to average assets | 0.9428% | 1,641 |
| Noninterest expense to average assets | 4.8728% | 416 |
| Loan and lease loss provision to assets | 0.5756% | 2,636 |
| Net operating income to assets | 0.7146% | 3,356 |
| Return on assets (ROA) | 0.7146% | 3,501 |
| Pretax return on assets | 0.7146% | 4,185 |
| Return on Equity (ROE) | 8.7452% | 2,583 |
| Retained earnings to average equity (ytd only) | 8.7452% | 1,138 |
| Net charge-offs to loans | 0.2673% | 4,347 |
| Credit loss provision to net charge-offs | 241.6667% | 1,401 |
| Earnings coverage of net charge-offs (x) | 5.4166% | 2,750 |
| Efficiency ratio | 79.0660% | 2,480 |
| Assets per employee ($millions) | 2.6810% | 6,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3614% | 4,660 |
| Loan loss allowance to noncurrent loans | 221.6216% | 1,318 |
| Noncurrent assets plus other real estate owned to assets | 0.5520% | 6,049 |
| Noncurrent loans to loans | 0.6143% | 5,974 |
| Net loans and leases to total assets | 88.6386% | 90 |
| Net loans and leases to deposits | 97.4254% | 847 |
| Net loans and leases to core deposits | 104.1915% | 1,466 |
| Total domestic deposits to total assets | 90.9810% | 457 |
| Equity capital to assets | 8.4670% | 6,314 |
| Core capital (leverage) ratio | 8.5460% | 5,426 |
| Tier 1 risk-based capital ratio | 11.2577% | 6,137 |
| Total risk-based capital ratio | 12.5074% | 6,129 |
| Memoranda: | ||
| Average total assets | $13,434,750 | 7,692 |
| Average earning assets | $12,088,250 | 7,680 |
| Average equity | $1,097,750 | 7,725 |
| Average total loans | $11,970,000 | 7,402 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2142% | 121 |
| Cost of funding earning assets | 1.5057% | 3,226 |
| Net interest margin | 5.7085% | 133 |
| Noninterest income to average assets | 0.9669% | 1,468 |
| Noninterest expense to average assets | 4.9388% | 393 |
| Loan and lease loss provision to assets | 0.5207% | 2,707 |
| Net operating income to assets | 0.6397% | 3,681 |
| Return on assets (ROA) | 0.6397% | 3,825 |
| Pretax return on assets | 0.6397% | 4,434 |
| Return on Equity (ROE) | 7.9239% | 2,911 |
| Retained earnings to average equity (ytd only) | 7.9239% | 1,467 |
| Net charge-offs to loans | 0.0670% | 5,473 |
| Credit loss provision to net charge-offs | 875.0000% | 432 |
| Earnings coverage of net charge-offs (x) | 19.5000% | 1,251 |
| Efficiency ratio | 80.9756% | 2,303 |
| Assets per employee ($millions) | 2.6304% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 4,613 |
| Loan loss allowance to noncurrent loans | 287.5000% | 987 |
| Noncurrent assets plus other real estate owned to assets | 0.4258% | 6,382 |
| Noncurrent loans to loans | 0.4741% | 6,304 |
| Net loans and leases to total assets | 88.5949% | 103 |
| Net loans and leases to deposits | 97.2702% | 938 |
| Net loans and leases to core deposits | 104.1566% | 1,621 |
| Total domestic deposits to total assets | 91.0812% | 450 |
| Equity capital to assets | 8.4170% | 6,274 |
| Core capital (leverage) ratio | 8.5432% | 5,341 |
| Tier 1 risk-based capital ratio | 11.2593% | 5,986 |
| Total risk-based capital ratio | 12.5115% | 5,969 |
| Memoranda: | ||
| Average total assets | $13,444,670 | 7,759 |
| Average earning assets | $12,087,330 | 7,747 |
| Average equity | $1,085,330 | 7,790 |
| Average total loans | $11,944,670 | 7,461 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1130% | 142 |
| Cost of funding earning assets | 1.6062% | 2,927 |
| Net interest margin | 5.5068% | 177 |
| Noninterest income to average assets | 1.0007% | 1,306 |
| Noninterest expense to average assets | 4.9150% | 389 |
| Loan and lease loss provision to assets | 0.4415% | 2,759 |
| Net operating income to assets | 0.5886% | 3,944 |
| Return on assets (ROA) | 0.5886% | 4,089 |
| Pretax return on assets | 0.5886% | 4,657 |
| Return on Equity (ROE) | 7.4453% | 3,137 |
| Retained earnings to average equity (ytd only) | 7.4453% | 1,949 |
| Net charge-offs to loans | 0.1998% | 3,711 |
| Credit loss provision to net charge-offs | 250.0000% | 1,539 |
| Earnings coverage of net charge-offs (x) | 5.8333% | 2,329 |
| Efficiency ratio | 82.6733% | 2,180 |
| Assets per employee ($millions) | 3.3388% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1653% | 5,682 |
| Loan loss allowance to noncurrent loans | 184.2105% | 1,524 |
| Noncurrent assets plus other real estate owned to assets | 0.5691% | 6,079 |
| Noncurrent loans to loans | 0.6326% | 6,053 |
| Net loans and leases to total assets | 88.9105% | 98 |
| Net loans and leases to deposits | 97.2641% | 976 |
| Net loans and leases to core deposits | 109.7209% | 1,294 |
| Total domestic deposits to total assets | 91.4115% | 399 |
| Equity capital to assets | 8.1168% | 6,524 |
| Core capital (leverage) ratio | 7.9968% | 6,246 |
| Tier 1 risk-based capital ratio | 10.7037% | 6,436 |
| Total risk-based capital ratio | 11.9589% | 6,419 |
| Memoranda: | ||
| Average total assets | $13,591,000 | 7,860 |
| Average earning assets | $12,203,000 | 7,843 |
| Average equity | $1,074,500 | 7,881 |
| Average total loans | $12,010,500 | 7,549 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7774% | 95 |
| Cost of funding earning assets | 2.0881% | 2,521 |
| Net interest margin | 5.6893% | 151 |
| Noninterest income to average assets | 1.2983% | 890 |
| Noninterest expense to average assets | 5.0861% | 488 |
| Loan and lease loss provision to assets | 0.5880% | 3,443 |
| Net operating income to assets | 0.7637% | 2,662 |
| Return on assets (ROA) | 0.7637% | 2,757 |
| Pretax return on assets | 0.7637% | 3,361 |
| Return on Equity (ROE) | 9.9562% | 1,708 |
| Retained earnings to average equity (ytd only) | 9.9562% | 378 |
| Net charge-offs to loans | 1.0781% | 2,265 |
| Credit loss provision to net charge-offs | 62.0968% | 6,617 |
| Earnings coverage of net charge-offs (x) | 1.4274% | 4,696 |
| Efficiency ratio | 79.0036% | 3,041 |
| Assets per employee ($millions) | 3.4568% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0910% | 5,941 |
| Loan loss allowance to noncurrent loans | 174.6667% | 1,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5424% | 6,091 |
| Noncurrent loans to loans | 0.6246% | 5,989 |
| Net loans and leases to total assets | 85.8899% | 287 |
| Net loans and leases to deposits | 93.9260% | 1,602 |
| Net loans and leases to core deposits | 133.7538% | 1,069 |
| Total domestic deposits to total assets | 91.4443% | 396 |
| Equity capital to assets | 7.7023% | 6,856 |
| Core capital (leverage) ratio | 7.8000% | 6,450 |
| Tier 1 risk-based capital ratio | 10.4099% | 6,488 |
| Total risk-based capital ratio | 11.6525% | 6,464 |
| Memoranda: | ||
| Average total assets | $13,094,400 | 7,934 |
| Average earning assets | $11,829,200 | 7,920 |
| Average equity | $1,004,400 | 7,978 |
| Average total loans | $11,502,000 | 7,628 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8147% | 99 |
| Cost of funding earning assets | 2.1922% | 2,443 |
| Net interest margin | 5.6225% | 157 |
| Noninterest income to average assets | 1.1566% | 1,179 |
| Noninterest expense to average assets | 5.2046% | 425 |
| Loan and lease loss provision to assets | 0.5164% | 3,322 |
| Net operating income to assets | 0.5473% | 3,801 |
| Return on assets (ROA) | 0.5473% | 3,884 |
| Pretax return on assets | 0.5473% | 4,367 |
| Return on Equity (ROE) | 7.1428% | 3,004 |
| Retained earnings to average equity (ytd only) | 7.1428% | 1,447 |
| Net charge-offs to loans | 0.3751% | 3,774 |
| Credit loss provision to net charge-offs | 156.2500% | 3,051 |
| Earnings coverage of net charge-offs (x) | 3.2184% | 3,628 |
| Efficiency ratio | 83.0313% | 2,427 |
| Assets per employee ($millions) | 2.6430% | 6,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6209% | 2,911 |
| Loan loss allowance to noncurrent loans | 78.7149% | 3,472 |
| Noncurrent assets plus other real estate owned to assets | 1.8842% | 3,531 |
| Noncurrent loans to loans | 2.0592% | 3,550 |
| Net loans and leases to total assets | 90.0189% | 117 |
| Net loans and leases to deposits | 98.5911% | 1,254 |
| Net loans and leases to core deposits | 142.9292% | 799 |
| Total domestic deposits to total assets | 91.3053% | 298 |
| Equity capital to assets | 7.7109% | 7,138 |
| Core capital (leverage) ratio | 7.7350% | 6,683 |
| Tier 1 risk-based capital ratio | 10.0843% | 6,894 |
| Total risk-based capital ratio | 11.3436% | 6,827 |
| Memoranda: | ||
| Average total assets | $12,911,250 | 8,015 |
| Average earning assets | $11,738,250 | 7,999 |
| Average equity | $989,250 | 8,065 |
| Average total loans | $11,375,750 | 7,713 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9210% | 100 |
| Cost of funding earning assets | 2.2879% | 2,400 |
| Net interest margin | 5.6331% | 156 |
| Noninterest income to average assets | 1.0929% | 1,334 |
| Noninterest expense to average assets | 5.2147% | 448 |
| Loan and lease loss provision to assets | 0.5308% | 2,902 |
| Net operating income to assets | 0.4215% | 4,417 |
| Return on assets (ROA) | 0.4215% | 4,524 |
| Pretax return on assets | 0.4215% | 4,872 |
| Return on Equity (ROE) | 5.5140% | 3,857 |
| Retained earnings to average equity (ytd only) | 5.5140% | 2,241 |
| Net charge-offs to loans | 0.5028% | 2,820 |
| Credit loss provision to net charge-offs | 121.4286% | 3,821 |
| Earnings coverage of net charge-offs (x) | 2.1786% | 3,981 |
| Efficiency ratio | 84.5570% | 2,411 |
| Assets per employee ($millions) | 2.6458% | 6,961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6213% | 2,652 |
| Loan loss allowance to noncurrent loans | 128.6713% | 2,288 |
| Noncurrent assets plus other real estate owned to assets | 1.0810% | 4,798 |
| Noncurrent loans to loans | 1.2600% | 4,680 |
| Net loans and leases to total assets | 84.3979% | 583 |
| Net loans and leases to deposits | 92.1053% | 2,453 |
| Net loans and leases to core deposits | 129.8860% | 1,577 |
| Total domestic deposits to total assets | 91.6320% | 284 |
| Equity capital to assets | 7.5138% | 7,250 |
| Core capital (leverage) ratio | 7.7037% | 6,753 |
| Tier 1 risk-based capital ratio | 10.2315% | 6,674 |
| Total risk-based capital ratio | 11.4924% | 6,585 |
| Memoranda: | ||
| Average total assets | $12,810,000 | 8,108 |
| Average earning assets | $11,539,000 | 8,090 |
| Average equity | $979,330 | 8,156 |
| Average total loans | $11,137,000 | 7,806 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9485% | 96 |
| Cost of funding earning assets | 2.4161% | 2,224 |
| Net interest margin | 5.5325% | 169 |
| Noninterest income to average assets | 1.1428% | 1,129 |
| Noninterest expense to average assets | 5.1427% | 436 |
| Loan and lease loss provision to assets | 0.8254% | 1,571 |
| Net operating income to assets | 0.1905% | 5,686 |
| Return on assets (ROA) | 0.1905% | 5,860 |
| Pretax return on assets | 0.1905% | 5,964 |
| Return on Equity (ROE) | 2.4691% | 5,587 |
| Retained earnings to average equity (ytd only) | 2.4691% | 4,499 |
| Net charge-offs to loans | -0.0363% | 7,612 |
| Credit loss provision to net charge-offs | -2,600.0000% | 6,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5052% | 2,353 |
| Assets per employee ($millions) | 2.4954% | 7,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8559% | 1,726 |
| Loan loss allowance to noncurrent loans | 107.9365% | 2,854 |
| Noncurrent assets plus other real estate owned to assets | 1.5148% | 3,661 |
| Noncurrent loans to loans | 1.7194% | 3,684 |
| Net loans and leases to total assets | 86.4631% | 390 |
| Net loans and leases to deposits | 94.5984% | 2,173 |
| Net loans and leases to core deposits | 132.7264% | 1,489 |
| Total domestic deposits to total assets | 91.4002% | 295 |
| Equity capital to assets | 7.8064% | 7,062 |
| Core capital (leverage) ratio | 7.6222% | 6,996 |
| Tier 1 risk-based capital ratio | 10.3246% | 6,570 |
| Total risk-based capital ratio | 11.5913% | 6,472 |
| Memoranda: | ||
| Average total assets | $12,600,500 | 8,160 |
| Average earning assets | $11,423,500 | 8,145 |
| Average equity | $972,000 | 8,210 |
| Average total loans | $11,031,000 | 7,860 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6562% | 88 |
| Cost of funding earning assets | 3.0274% | 1,770 |
| Net interest margin | 5.6288% | 166 |
| Noninterest income to average assets | 1.3399% | 800 |
| Noninterest expense to average assets | 5.0619% | 602 |
| Loan and lease loss provision to assets | 0.5872% | 2,473 |
| Net operating income to assets | 0.8271% | 3,326 |
| Return on assets (ROA) | 0.8271% | 3,162 |
| Pretax return on assets | 0.8271% | 3,969 |
| Return on Equity (ROE) | 10.8767% | 1,946 |
| Retained earnings to average equity (ytd only) | 10.8767% | 337 |
| Net charge-offs to loans | 0.3908% | 2,864 |
| Credit loss provision to net charge-offs | 173.1707% | 2,942 |
| Earnings coverage of net charge-offs (x) | 4.1707% | 4,077 |
| Efficiency ratio | 78.1609% | 2,894 |
| Assets per employee ($millions) | 3.1810% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 2,253 |
| Loan loss allowance to noncurrent loans | 192.3913% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.7230% | 5,058 |
| Noncurrent loans to loans | 0.8311% | 4,974 |
| Net loans and leases to total assets | 85.6099% | 654 |
| Net loans and leases to deposits | 93.4941% | 2,857 |
| Net loans and leases to core deposits | 129.0334% | 1,925 |
| Total domestic deposits to total assets | 91.5671% | 197 |
| Equity capital to assets | 7.6234% | 7,285 |
| Core capital (leverage) ratio | 7.5513% | 7,141 |
| Tier 1 risk-based capital ratio | 10.2011% | 6,515 |
| Total risk-based capital ratio | 11.4603% | 6,370 |
| Memoranda: | ||
| Average total assets | $12,090,400 | 8,216 |
| Average earning assets | $11,032,600 | 8,200 |
| Average equity | $919,400 | 8,276 |
| Average total loans | $10,491,000 | 7,918 |