Home > Pleasantville State Bank > Performance and Condition Ratios
Pleasantville State Bank, Performance and Condition Ratios
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5504% | 6,394 |
| Cost of funding earning assets | 0.3423% | 4,432 |
| Net interest margin | 2.2080% | 6,386 |
| Noninterest income to average assets | 0.3453% | 4,679 |
| Noninterest expense to average assets | 4.1600% | 639 |
| Loan and lease loss provision to assets | -0.0197% | 6,107 |
| Net operating income to assets | -0.9241% | 6,452 |
| Return on assets (ROA) | -0.9241% | 6,451 |
| Pretax return on assets | -1.6739% | 6,499 |
| Return on Equity (ROE) | -7.4367% | 6,414 |
| Retained earnings to average equity (ytd only) | -36.5480% | 6,547 |
| Net charge-offs to loans | -0.2183% | 6,324 |
| Credit loss provision to net charge-offs | 31.5789% | 3,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.6667% | 38 |
| Assets per employee ($millions) | 4.8433% | 2,455 |
| Cash dividends to net income (ytd only)* | -391.4563% | 6,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9577% | 1,335 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 28.5655% | 6,303 |
| Net loans and leases to deposits | 32.8622% | 6,323 |
| Net loans and leases to core deposits | 36.0791% | 6,280 |
| Total domestic deposits to total assets | 86.9251% | 2,363 |
| Equity capital to assets | 11.5676% | 2,416 |
| Core capital (leverage) ratio | 11.3062% | 2,212 |
| Tier 1 risk-based capital ratio | 25.8505% | 798 |
| Total risk-based capital ratio | 27.1032% | 779 |
| Memoranda: | ||
| Average total assets | $40,543,500 | 6,096 |
| Average earning assets | $38,947,500 | 6,023 |
| Average equity | $5,038,000 | 5,907 |
| Average total loans | $11,604,750 | 6,334 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4760% | 6,481 |
| Cost of funding earning assets | 0.3392% | 4,546 |
| Net interest margin | 2.1367% | 6,480 |
| Noninterest income to average assets | 0.3500% | 4,632 |
| Noninterest expense to average assets | 1.7014% | 6,267 |
| Loan and lease loss provision to assets | 0.0875% | 2,569 |
| Net operating income to assets | 0.4958% | 4,828 |
| Return on assets (ROA) | 0.4958% | 4,908 |
| Pretax return on assets | 0.6125% | 4,916 |
| Return on Equity (ROE) | 3.9056% | 5,188 |
| Retained earnings to average equity (ytd only) | -38.2132% | 6,614 |
| Net charge-offs to loans | -0.3245% | 6,451 |
| Credit loss provision to net charge-offs | -94.7368% | 5,243 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8502% | 3,522 |
| Assets per employee ($millions) | 5.1228% | 2,056 |
| Cash dividends to net income (ytd only)* | 1,078.4314% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2120% | 1,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 26.4287% | 6,406 |
| Net loans and leases to deposits | 30.1414% | 6,425 |
| Net loans and leases to core deposits | 32.8900% | 6,392 |
| Total domestic deposits to total assets | 87.6824% | 2,092 |
| Equity capital to assets | 12.0468% | 1,943 |
| Core capital (leverage) ratio | 11.8366% | 1,763 |
| Tier 1 risk-based capital ratio | 28.8419% | 590 |
| Total risk-based capital ratio | 30.0962% | 576 |
| Memoranda: | ||
| Average total assets | $41,142,670 | 6,138 |
| Average earning assets | $39,499,670 | 6,058 |
| Average equity | $5,223,330 | 5,907 |
| Average total loans | $11,710,000 | 6,390 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1352% | 6,633 |
| Cost of funding earning assets | 0.3542% | 4,497 |
| Net interest margin | 1.7810% | 6,631 |
| Noninterest income to average assets | 0.3008% | 4,949 |
| Noninterest expense to average assets | 1.3488% | 6,582 |
| Loan and lease loss provision to assets | 0.0873% | 2,462 |
| Net operating income to assets | 0.4561% | 4,910 |
| Return on assets (ROA) | 0.4561% | 4,978 |
| Pretax return on assets | 0.5725% | 4,928 |
| Return on Equity (ROE) | 3.5032% | 5,265 |
| Retained earnings to average equity (ytd only) | -78.4869% | 6,701 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1498% | 4,340 |
| Assets per employee ($millions) | 5.1504% | 2,065 |
| Cash dividends to net income (ytd only)* | 2,340.4255% | 8 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8481% | 1,905 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 27.9713% | 6,417 |
| Net loans and leases to deposits | 31.7800% | 6,442 |
| Net loans and leases to core deposits | 34.6471% | 6,392 |
| Total domestic deposits to total assets | 88.0154% | 2,229 |
| Equity capital to assets | 11.7224% | 2,085 |
| Core capital (leverage) ratio | 11.8364% | 1,739 |
| Tier 1 risk-based capital ratio | 26.1199% | 781 |
| Total risk-based capital ratio | 27.3305% | 771 |
| Memoranda: | ||
| Average total assets | $41,223,000 | 6,191 |
| Average earning assets | $39,528,000 | 6,114 |
| Average equity | $5,366,500 | 5,909 |
| Average total loans | $12,027,000 | 6,443 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9031% | 6,420 |
| Cost of funding earning assets | 0.4216% | 4,417 |
| Net interest margin | 2.4815% | 6,386 |
| Noninterest income to average assets | 0.3019% | 5,188 |
| Noninterest expense to average assets | 1.6335% | 6,494 |
| Loan and lease loss provision to assets | 0.0876% | 3,350 |
| Net operating income to assets | 0.8253% | 3,157 |
| Return on assets (ROA) | 0.8253% | 3,246 |
| Pretax return on assets | 0.9738% | 3,457 |
| Return on Equity (ROE) | 5.7489% | 4,246 |
| Retained earnings to average equity (ytd only) | 3.7987% | 3,500 |
| Net charge-offs to loans | 0.2950% | 2,214 |
| Credit loss provision to net charge-offs | 105.8824% | 2,280 |
| Earnings coverage of net charge-offs (x) | 12.8235% | 2,091 |
| Efficiency ratio | 60.6143% | 5,399 |
| Assets per employee ($millions) | 5.1554% | 2,005 |
| Cash dividends to net income (ytd only)* | 33.9233% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6894% | 2,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 29.3480% | 6,484 |
| Net loans and leases to deposits | 34.3620% | 6,478 |
| Net loans and leases to core deposits | 37.5621% | 6,429 |
| Total domestic deposits to total assets | 85.4084% | 3,550 |
| Equity capital to assets | 14.3127% | 825 |
| Core capital (leverage) ratio | 14.6751% | 647 |
| Tier 1 risk-based capital ratio | 31.0162% | 463 |
| Total risk-based capital ratio | 32.1423% | 460 |
| Memoranda: | ||
| Average total assets | $41,076,600 | 6,260 |
| Average earning assets | $39,613,000 | 6,177 |
| Average equity | $5,896,800 | 5,845 |
| Average total loans | $11,524,400 | 6,538 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9094% | 6,488 |
| Cost of funding earning assets | 0.4310% | 4,497 |
| Net interest margin | 2.4784% | 6,445 |
| Noninterest income to average assets | 0.2892% | 5,380 |
| Noninterest expense to average assets | 1.5726% | 6,577 |
| Loan and lease loss provision to assets | 0.0877% | 3,307 |
| Net operating income to assets | 0.8773% | 2,954 |
| Return on assets (ROA) | 0.8773% | 3,068 |
| Pretax return on assets | 1.0203% | 3,420 |
| Return on Equity (ROE) | 6.1064% | 4,131 |
| Retained earnings to average equity (ytd only) | 3.5055% | 4,195 |
| Net charge-offs to loans | 0.1295% | 3,234 |
| Credit loss provision to net charge-offs | 245.4545% | 1,005 |
| Earnings coverage of net charge-offs (x) | 30.9925% | 1,212 |
| Efficiency ratio | 58.6667% | 5,604 |
| Assets per employee ($millions) | 4.9793% | 2,191 |
| Cash dividends to net income (ytd only)* | 42.5928% | 2,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0052% | 1,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 27.2355% | 6,620 |
| Net loans and leases to deposits | 32.0644% | 6,618 |
| Net loans and leases to core deposits | 35.1840% | 6,588 |
| Total domestic deposits to total assets | 84.9400% | 3,778 |
| Equity capital to assets | 14.7010% | 774 |
| Core capital (leverage) ratio | 14.4768% | 741 |
| Tier 1 risk-based capital ratio | 32.7603% | 409 |
| Total risk-based capital ratio | 34.0453% | 403 |
| Memoranda: | ||
| Average total assets | $41,035,000 | 6,332 |
| Average earning assets | $39,595,000 | 6,249 |
| Average equity | $5,895,250 | 5,915 |
| Average total loans | $11,327,500 | 6,615 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9283% | 6,512 |
| Cost of funding earning assets | 0.4297% | 4,666 |
| Net interest margin | 2.4985% | 6,452 |
| Noninterest income to average assets | 0.2848% | 5,412 |
| Noninterest expense to average assets | 1.5977% | 6,591 |
| Loan and lease loss provision to assets | 0.0869% | 3,341 |
| Net operating income to assets | 0.8881% | 2,857 |
| Return on assets (ROA) | 0.8881% | 3,012 |
| Pretax return on assets | 1.0136% | 3,445 |
| Return on Equity (ROE) | 6.2285% | 4,034 |
| Retained earnings to average equity (ytd only) | 6.2285% | 2,306 |
| Net charge-offs to loans | 0.0876% | 3,488 |
| Credit loss provision to net charge-offs | 360.0000% | 726 |
| Earnings coverage of net charge-offs (x) | 45.6000% | 848 |
| Efficiency ratio | 59.2129% | 5,582 |
| Assets per employee ($millions) | 5.1453% | 1,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0525% | 1,737 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 25.3899% | 6,699 |
| Net loans and leases to deposits | 29.6929% | 6,706 |
| Net loans and leases to core deposits | 32.4595% | 6,675 |
| Total domestic deposits to total assets | 85.5085% | 3,640 |
| Equity capital to assets | 14.1854% | 908 |
| Core capital (leverage) ratio | 14.2846% | 753 |
| Tier 1 risk-based capital ratio | 33.9500% | 372 |
| Total risk-based capital ratio | 35.2569% | 362 |
| Memoranda: | ||
| Average total assets | $41,435,330 | 6,365 |
| Average earning assets | $40,023,330 | 6,281 |
| Average equity | $5,908,330 | 5,955 |
| Average total loans | $11,413,000 | 6,656 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9661% | 6,549 |
| Cost of funding earning assets | 0.4294% | 4,813 |
| Net interest margin | 2.5367% | 6,460 |
| Noninterest income to average assets | 0.3175% | 5,155 |
| Noninterest expense to average assets | 1.6550% | 6,621 |
| Loan and lease loss provision to assets | 0.0866% | 3,216 |
| Net operating income to assets | 0.9045% | 2,631 |
| Return on assets (ROA) | 0.9045% | 2,779 |
| Pretax return on assets | 1.0199% | 3,262 |
| Return on Equity (ROE) | 6.3268% | 3,868 |
| Retained earnings to average equity (ytd only) | 6.3268% | 2,491 |
| Net charge-offs to loans | 0.2037% | 2,198 |
| Credit loss provision to net charge-offs | 150.0000% | 1,364 |
| Earnings coverage of net charge-offs (x) | 19.1667% | 1,233 |
| Efficiency ratio | 59.9303% | 5,595 |
| Assets per employee ($millions) | 5.2248% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8644% | 2,402 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 26.3194% | 6,721 |
| Net loans and leases to deposits | 30.8194% | 6,724 |
| Net loans and leases to core deposits | 33.0410% | 6,695 |
| Total domestic deposits to total assets | 85.3988% | 3,844 |
| Equity capital to assets | 14.3189% | 931 |
| Core capital (leverage) ratio | 13.8720% | 831 |
| Tier 1 risk-based capital ratio | 29.9300% | 535 |
| Total risk-based capital ratio | 31.0472% | 532 |
| Memoranda: | ||
| Average total assets | $41,572,000 | 6,416 |
| Average earning assets | $40,052,000 | 6,333 |
| Average equity | $5,943,000 | 6,002 |
| Average total loans | $11,784,500 | 6,707 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2624% | 6,617 |
| Cost of funding earning assets | 0.5386% | 4,922 |
| Net interest margin | 2.7237% | 6,488 |
| Noninterest income to average assets | 0.3334% | 5,068 |
| Noninterest expense to average assets | 1.7504% | 6,677 |
| Loan and lease loss provision to assets | 0.0883% | 4,590 |
| Net operating income to assets | 0.9169% | 2,735 |
| Return on assets (ROA) | 0.9169% | 2,973 |
| Pretax return on assets | 1.1106% | 3,122 |
| Return on Equity (ROE) | 6.3093% | 4,013 |
| Retained earnings to average equity (ytd only) | 1.5014% | 5,116 |
| Net charge-offs to loans | 0.3079% | 3,105 |
| Credit loss provision to net charge-offs | 102.8571% | 2,919 |
| Earnings coverage of net charge-offs (x) | 13.9714% | 1,778 |
| Efficiency ratio | 59.3516% | 5,640 |
| Assets per employee ($millions) | 4.5940% | 2,795 |
| Cash dividends to net income (ytd only)* | 76.2032% | 1,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6668% | 3,055 |
| Loan loss allowance to noncurrent loans | 2,288.8889% | 250 |
| Noncurrent assets plus other real estate owned to assets | 0.0218% | 6,610 |
| Noncurrent loans to loans | 0.0728% | 6,303 |
| Net loans and leases to total assets | 29.3934% | 6,715 |
| Net loans and leases to deposits | 34.4336% | 6,731 |
| Net loans and leases to core deposits | 37.2860% | 6,701 |
| Total domestic deposits to total assets | 85.3626% | 3,684 |
| Equity capital to assets | 14.2722% | 947 |
| Core capital (leverage) ratio | 13.8218% | 847 |
| Tier 1 risk-based capital ratio | 29.6891% | 526 |
| Total risk-based capital ratio | 30.8029% | 528 |
| Memoranda: | ||
| Average total assets | $40,790,000 | 6,480 |
| Average earning assets | $39,174,200 | 6,388 |
| Average equity | $5,927,800 | 6,037 |
| Average total loans | $11,366,600 | 6,796 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2672% | 6,749 |
| Cost of funding earning assets | 0.5536% | 5,054 |
| Net interest margin | 2.7135% | 6,628 |
| Noninterest income to average assets | 0.3280% | 5,173 |
| Noninterest expense to average assets | 1.5875% | 6,887 |
| Loan and lease loss provision to assets | 0.0886% | 4,499 |
| Net operating income to assets | 1.0102% | 2,453 |
| Return on assets (ROA) | 1.0102% | 2,682 |
| Pretax return on assets | 1.2562% | 2,764 |
| Return on Equity (ROE) | 6.9199% | 3,858 |
| Retained earnings to average equity (ytd only) | 2.4265% | 5,119 |
| Net charge-offs to loans | 0.2278% | 3,352 |
| Credit loss provision to net charge-offs | 142.1053% | 2,032 |
| Earnings coverage of net charge-offs (x) | 21.5811% | 1,398 |
| Efficiency ratio | 54.1387% | 6,240 |
| Assets per employee ($millions) | 5.0155% | 2,166 |
| Cash dividends to net income (ytd only)* | 64.9345% | 1,097 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8987% | 2,481 |
| Loan loss allowance to noncurrent loans | 21,300.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 6,810 |
| Noncurrent loans to loans | 0.0089% | 6,651 |
| Net loans and leases to total assets | 27.4275% | 6,893 |
| Net loans and leases to deposits | 32.3962% | 6,905 |
| Net loans and leases to core deposits | 34.6396% | 6,885 |
| Total domestic deposits to total assets | 84.6625% | 3,911 |
| Equity capital to assets | 14.9412% | 839 |
| Core capital (leverage) ratio | 14.0877% | 808 |
| Tier 1 risk-based capital ratio | 31.1141% | 477 |
| Total risk-based capital ratio | 32.3169% | 472 |
| Memoranda: | ||
| Average total assets | $40,651,000 | 6,564 |
| Average earning assets | $39,013,500 | 6,464 |
| Average equity | $5,934,500 | 6,108 |
| Average total loans | $11,118,500 | 6,896 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2891% | 6,817 |
| Cost of funding earning assets | 0.5678% | 5,164 |
| Net interest margin | 2.7213% | 6,685 |
| Noninterest income to average assets | 0.3380% | 5,126 |
| Noninterest expense to average assets | 1.5627% | 6,962 |
| Loan and lease loss provision to assets | 0.0882% | 4,478 |
| Net operating income to assets | 1.0483% | 2,255 |
| Return on assets (ROA) | 1.0483% | 2,487 |
| Pretax return on assets | 1.2933% | 2,584 |
| Return on Equity (ROE) | 7.2367% | 3,653 |
| Retained earnings to average equity (ytd only) | 4.3623% | 3,710 |
| Net charge-offs to loans | -0.0361% | 6,577 |
| Credit loss provision to net charge-offs | -900.0000% | 6,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0782% | 6,408 |
| Assets per employee ($millions) | 5.1258% | 2,000 |
| Cash dividends to net income (ytd only)* | 39.7196% | 2,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0793% | 2,037 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 25.8401% | 6,986 |
| Net loans and leases to deposits | 30.4063% | 6,999 |
| Net loans and leases to core deposits | 32.7563% | 6,978 |
| Total domestic deposits to total assets | 84.9827% | 3,875 |
| Equity capital to assets | 14.6418% | 873 |
| Core capital (leverage) ratio | 13.8587% | 845 |
| Tier 1 risk-based capital ratio | 32.4494% | 421 |
| Total risk-based capital ratio | 33.6990% | 415 |
| Memoranda: | ||
| Average total assets | $40,826,670 | 6,602 |
| Average earning assets | $39,098,330 | 6,508 |
| Average equity | $5,914,330 | 6,141 |
| Average total loans | $11,085,330 | 6,958 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3826% | 6,832 |
| Cost of funding earning assets | 0.5860% | 5,245 |
| Net interest margin | 2.7965% | 6,646 |
| Noninterest income to average assets | 0.3142% | 5,361 |
| Noninterest expense to average assets | 1.5220% | 7,042 |
| Loan and lease loss provision to assets | 0.0884% | 4,260 |
| Net operating income to assets | 1.1390% | 1,925 |
| Return on assets (ROA) | 1.1390% | 2,111 |
| Pretax return on assets | 1.3747% | 2,268 |
| Return on Equity (ROE) | 7.9053% | 3,331 |
| Retained earnings to average equity (ytd only) | 2.1126% | 5,213 |
| Net charge-offs to loans | -0.0713% | 6,673 |
| Credit loss provision to net charge-offs | -450.0000% | 5,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9868% | 6,611 |
| Assets per employee ($millions) | 5.1469% | 2,061 |
| Cash dividends to net income (ytd only)* | 73.2759% | 919 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9934% | 2,379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 25.7923% | 7,043 |
| Net loans and leases to deposits | 30.2375% | 7,050 |
| Net loans and leases to core deposits | 32.5547% | 7,025 |
| Total domestic deposits to total assets | 85.2993% | 3,880 |
| Equity capital to assets | 14.2951% | 923 |
| Core capital (leverage) ratio | 13.8608% | 840 |
| Tier 1 risk-based capital ratio | 31.4028% | 465 |
| Total risk-based capital ratio | 32.6513% | 457 |
| Memoranda: | ||
| Average total assets | $40,737,000 | 6,660 |
| Average earning assets | $38,905,500 | 6,565 |
| Average equity | $5,869,500 | 6,182 |
| Average total loans | $11,217,500 | 7,016 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6657% | 6,885 |
| Cost of funding earning assets | 0.7218% | 5,394 |
| Net interest margin | 2.9438% | 6,619 |
| Noninterest income to average assets | 0.3454% | 5,042 |
| Noninterest expense to average assets | 1.7921% | 6,960 |
| Loan and lease loss provision to assets | 0.0935% | 5,429 |
| Net operating income to assets | 1.0467% | 2,015 |
| Return on assets (ROA) | 1.0467% | 2,159 |
| Pretax return on assets | 1.2986% | 2,137 |
| Return on Equity (ROE) | 7.1373% | 3,337 |
| Retained earnings to average equity (ytd only) | 3.5952% | 3,658 |
| Net charge-offs to loans | 0.1694% | 4,801 |
| Credit loss provision to net charge-offs | 189.4737% | 1,353 |
| Earnings coverage of net charge-offs (x) | 28.2105% | 882 |
| Efficiency ratio | 56.2806% | 6,281 |
| Assets per employee ($millions) | 5.0374% | 2,141 |
| Cash dividends to net income (ytd only)* | 49.6278% | 2,065 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 2,974 |
| Loan loss allowance to noncurrent loans | 20,500.0000% | 31 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 7,009 |
| Noncurrent loans to loans | 0.0086% | 6,836 |
| Net loans and leases to total assets | 28.2737% | 7,055 |
| Net loans and leases to deposits | 33.3236% | 7,065 |
| Net loans and leases to core deposits | 35.9523% | 7,038 |
| Total domestic deposits to total assets | 84.8458% | 3,927 |
| Equity capital to assets | 14.5239% | 889 |
| Core capital (leverage) ratio | 13.8037% | 872 |
| Tier 1 risk-based capital ratio | 31.4625% | 450 |
| Total risk-based capital ratio | 32.6560% | 443 |
| Memoranda: | ||
| Average total assets | $38,502,600 | 6,725 |
| Average earning assets | $37,128,400 | 6,637 |
| Average equity | $5,646,400 | 6,249 |
| Average total loans | $11,216,400 | 7,069 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6783% | 6,952 |
| Cost of funding earning assets | 0.7473% | 5,485 |
| Net interest margin | 2.9311% | 6,705 |
| Noninterest income to average assets | 0.3399% | 5,141 |
| Noninterest expense to average assets | 1.7379% | 7,062 |
| Loan and lease loss provision to assets | 0.0946% | 5,282 |
| Net operating income to assets | 1.0827% | 2,031 |
| Return on assets (ROA) | 1.0827% | 2,175 |
| Pretax return on assets | 1.3384% | 2,156 |
| Return on Equity (ROE) | 7.3639% | 3,354 |
| Retained earnings to average equity (ytd only) | 2.5976% | 4,809 |
| Net charge-offs to loans | -0.0120% | 6,808 |
| Credit loss provision to net charge-offs | -2,700.0000% | 6,850 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8066% | 6,409 |
| Assets per employee ($millions) | 4.9803% | 2,211 |
| Cash dividends to net income (ytd only)* | 64.7249% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9176% | 2,569 |
| Loan loss allowance to noncurrent loans | 7,200.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 7,055 |
| Noncurrent loans to loans | 0.0266% | 6,875 |
| Net loans and leases to total assets | 27.7295% | 7,157 |
| Net loans and leases to deposits | 32.6980% | 7,163 |
| Net loans and leases to core deposits | 35.5951% | 7,130 |
| Total domestic deposits to total assets | 84.8050% | 3,866 |
| Equity capital to assets | 14.5726% | 970 |
| Core capital (leverage) ratio | 14.0146% | 900 |
| Tier 1 risk-based capital ratio | 31.6184% | 467 |
| Total risk-based capital ratio | 32.9046% | 458 |
| Memoranda: | ||
| Average total assets | $38,053,500 | 6,794 |
| Average earning assets | $36,755,000 | 6,710 |
| Average equity | $5,594,750 | 6,305 |
| Average total loans | $11,120,750 | 7,144 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7374% | 6,984 |
| Cost of funding earning assets | 0.7862% | 5,469 |
| Net interest margin | 2.9511% | 6,691 |
| Noninterest income to average assets | 0.3417% | 5,147 |
| Noninterest expense to average assets | 1.7887% | 7,093 |
| Loan and lease loss provision to assets | 0.0961% | 5,124 |
| Net operating income to assets | 1.0412% | 2,061 |
| Return on assets (ROA) | 1.0412% | 2,161 |
| Pretax return on assets | 1.3028% | 2,132 |
| Return on Equity (ROE) | 7.0597% | 3,422 |
| Retained earnings to average equity (ytd only) | 3.9824% | 3,664 |
| Net charge-offs to loans | -0.0181% | 6,798 |
| Credit loss provision to net charge-offs | -1,800.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1139% | 6,411 |
| Assets per employee ($millions) | 4.7730% | 2,448 |
| Cash dividends to net income (ytd only)* | 43.5897% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8660% | 2,776 |
| Loan loss allowance to noncurrent loans | 20,700.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0026% | 7,133 |
| Noncurrent loans to loans | 0.0090% | 6,989 |
| Net loans and leases to total assets | 28.5093% | 7,229 |
| Net loans and leases to deposits | 33.8779% | 7,225 |
| Net loans and leases to core deposits | 36.3679% | 7,209 |
| Total domestic deposits to total assets | 84.1530% | 4,281 |
| Equity capital to assets | 14.9722% | 830 |
| Core capital (leverage) ratio | 14.2256% | 817 |
| Tier 1 risk-based capital ratio | 32.5748% | 433 |
| Total risk-based capital ratio | 33.8445% | 424 |
| Memoranda: | ||
| Average total assets | $37,457,330 | 6,871 |
| Average earning assets | $36,121,670 | 6,793 |
| Average equity | $5,524,330 | 6,361 |
| Average total loans | $11,073,000 | 7,215 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7362% | 7,026 |
| Cost of funding earning assets | 0.8166% | 5,489 |
| Net interest margin | 2.9196% | 6,726 |
| Noninterest income to average assets | 0.3451% | 5,154 |
| Noninterest expense to average assets | 1.8224% | 7,112 |
| Loan and lease loss provision to assets | 0.0971% | 4,800 |
| Net operating income to assets | 0.9921% | 2,206 |
| Return on assets (ROA) | 0.9921% | 2,263 |
| Pretax return on assets | 1.2401% | 2,229 |
| Return on Equity (ROE) | 6.7797% | 3,494 |
| Retained earnings to average equity (ytd only) | 0.5158% | 5,619 |
| Net charge-offs to loans | -0.0723% | 6,993 |
| Credit loss provision to net charge-offs | -450.0000% | 5,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6792% | 6,304 |
| Assets per employee ($millions) | 4.6834% | 2,599 |
| Cash dividends to net income (ytd only)* | 92.3913% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8895% | 2,724 |
| Loan loss allowance to noncurrent loans | 19,900.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,204 |
| Noncurrent loans to loans | 0.0095% | 7,056 |
| Net loans and leases to total assets | 27.5789% | 7,305 |
| Net loans and leases to deposits | 32.5562% | 7,305 |
| Net loans and leases to core deposits | 34.9809% | 7,286 |
| Total domestic deposits to total assets | 84.7119% | 4,171 |
| Equity capital to assets | 14.5782% | 861 |
| Core capital (leverage) ratio | 14.3673% | 763 |
| Tier 1 risk-based capital ratio | 33.2801% | 395 |
| Total risk-based capital ratio | 34.5517% | 390 |
| Memoranda: | ||
| Average total assets | $37,094,000 | 6,932 |
| Average earning assets | $35,758,500 | 6,853 |
| Average equity | $5,428,000 | 6,408 |
| Average total loans | $11,063,000 | 7,270 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2167% | 6,903 |
| Cost of funding earning assets | 1.0029% | 5,672 |
| Net interest margin | 3.2137% | 6,239 |
| Noninterest income to average assets | 0.4238% | 4,720 |
| Noninterest expense to average assets | 2.0588% | 6,933 |
| Loan and lease loss provision to assets | 0.1031% | 6,111 |
| Net operating income to assets | 1.0108% | 2,002 |
| Return on assets (ROA) | 1.0108% | 2,108 |
| Pretax return on assets | 1.2714% | 2,013 |
| Return on Equity (ROE) | 6.4728% | 3,363 |
| Retained earnings to average equity (ytd only) | 2.8055% | 3,887 |
| Net charge-offs to loans | 0.1247% | 5,646 |
| Credit loss provision to net charge-offs | 257.1429% | 1,099 |
| Earnings coverage of net charge-offs (x) | 34.2857% | 659 |
| Efficiency ratio | 59.9666% | 6,054 |
| Assets per employee ($millions) | 4.5901% | 2,723 |
| Cash dividends to net income (ytd only)* | 56.6572% | 1,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6215% | 3,501 |
| Loan loss allowance to noncurrent loans | 18,800.0000% | 30 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 7,270 |
| Noncurrent loans to loans | 0.0086% | 7,140 |
| Net loans and leases to total assets | 31.0612% | 7,316 |
| Net loans and leases to deposits | 36.7947% | 7,331 |
| Net loans and leases to core deposits | 39.6055% | 7,315 |
| Total domestic deposits to total assets | 84.4176% | 4,165 |
| Equity capital to assets | 14.6891% | 866 |
| Core capital (leverage) ratio | 14.5216% | 745 |
| Tier 1 risk-based capital ratio | 31.9297% | 427 |
| Total risk-based capital ratio | 33.0888% | 425 |
| Memoranda: | ||
| Average total assets | $34,923,400 | 7,048 |
| Average earning assets | $32,703,600 | 6,992 |
| Average equity | $5,453,600 | 6,521 |
| Average total loans | $11,227,800 | 7,339 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2988% | 6,966 |
| Cost of funding earning assets | 1.0269% | 5,820 |
| Net interest margin | 3.2720% | 6,107 |
| Noninterest income to average assets | 0.4254% | 4,756 |
| Noninterest expense to average assets | 1.8874% | 7,222 |
| Loan and lease loss provision to assets | 0.1044% | 5,990 |
| Net operating income to assets | 1.2144% | 1,553 |
| Return on assets (ROA) | 1.2144% | 1,633 |
| Pretax return on assets | 1.4774% | 1,665 |
| Return on Equity (ROE) | 7.6558% | 3,044 |
| Retained earnings to average equity (ytd only) | 2.7796% | 4,488 |
| Net charge-offs to loans | 0.0958% | 5,574 |
| Credit loss provision to net charge-offs | 337.5000% | 939 |
| Earnings coverage of net charge-offs (x) | 51.1078% | 559 |
| Efficiency ratio | 54.4036% | 6,753 |
| Assets per employee ($millions) | 4.3793% | 3,109 |
| Cash dividends to net income (ytd only)* | 63.6937% | 1,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5919% | 3,554 |
| Loan loss allowance to noncurrent loans | 289.0625% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1827% | 6,903 |
| Noncurrent loans to loans | 0.5507% | 6,102 |
| Net loans and leases to total assets | 32.6426% | 7,388 |
| Net loans and leases to deposits | 39.4930% | 7,385 |
| Net loans and leases to core deposits | 41.9562% | 7,377 |
| Total domestic deposits to total assets | 82.6540% | 4,733 |
| Equity capital to assets | 15.9645% | 684 |
| Core capital (leverage) ratio | 14.8357% | 749 |
| Tier 1 risk-based capital ratio | 33.6057% | 389 |
| Total risk-based capital ratio | 34.8150% | 385 |
| Memoranda: | ||
| Average total assets | $34,474,000 | 7,145 |
| Average earning assets | $32,069,750 | 7,095 |
| Average equity | $5,468,500 | 6,601 |
| Average total loans | $11,136,250 | 7,438 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3317% | 6,995 |
| Cost of funding earning assets | 1.0353% | 5,984 |
| Net interest margin | 3.2964% | 6,030 |
| Noninterest income to average assets | 0.3616% | 5,256 |
| Noninterest expense to average assets | 1.8841% | 7,288 |
| Loan and lease loss provision to assets | 0.1050% | 5,866 |
| Net operating income to assets | 1.1374% | 1,732 |
| Return on assets (ROA) | 1.1374% | 1,797 |
| Pretax return on assets | 1.3999% | 1,840 |
| Return on Equity (ROE) | 7.1863% | 3,221 |
| Retained earnings to average equity (ytd only) | 4.0538% | 3,503 |
| Net charge-offs to loans | 0.0364% | 5,847 |
| Credit loss provision to net charge-offs | 900.0000% | 415 |
| Earnings coverage of net charge-offs (x) | 129.0000% | 260 |
| Efficiency ratio | 55.5938% | 6,690 |
| Assets per employee ($millions) | 4.5014% | 2,867 |
| Cash dividends to net income (ytd only)* | 43.5897% | 1,922 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 3,374 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 273 |
| Noncurrent assets plus other real estate owned to assets | 0.0389% | 7,300 |
| Noncurrent loans to loans | 0.1245% | 7,015 |
| Net loans and leases to total assets | 30.7267% | 7,515 |
| Net loans and leases to deposits | 36.6427% | 7,518 |
| Net loans and leases to core deposits | 36.6427% | 7,557 |
| Total domestic deposits to total assets | 83.8549% | 4,172 |
| Equity capital to assets | 15.3398% | 811 |
| Core capital (leverage) ratio | 14.7724% | 769 |
| Tier 1 risk-based capital ratio | 33.7649% | 384 |
| Total risk-based capital ratio | 34.9609% | 380 |
| Memoranda: | ||
| Average total assets | $34,287,330 | 7,202 |
| Average earning assets | $31,488,670 | 7,177 |
| Average equity | $5,427,000 | 6,642 |
| Average total loans | $10,974,670 | 7,504 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4287% | 6,941 |
| Cost of funding earning assets | 1.0551% | 6,116 |
| Net interest margin | 3.3736% | 5,694 |
| Noninterest income to average assets | 0.3829% | 5,067 |
| Noninterest expense to average assets | 1.9626% | 7,225 |
| Loan and lease loss provision to assets | 0.1077% | 5,550 |
| Net operating income to assets | 1.1369% | 1,721 |
| Return on assets (ROA) | 1.1369% | 1,795 |
| Pretax return on assets | 1.4121% | 1,737 |
| Return on Equity (ROE) | 7.0652% | 3,311 |
| Retained earnings to average equity (ytd only) | 0.7437% | 5,527 |
| Net charge-offs to loans | 0.0738% | 4,676 |
| Credit loss provision to net charge-offs | 450.0000% | 932 |
| Earnings coverage of net charge-offs (x) | 63.5000% | 481 |
| Efficiency ratio | 56.3574% | 6,719 |
| Assets per employee ($millions) | 4.2559% | 3,367 |
| Cash dividends to net income (ytd only)* | 89.4737% | 701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5754% | 3,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 31.7444% | 7,575 |
| Net loans and leases to deposits | 38.0805% | 7,577 |
| Net loans and leases to core deposits | 40.5067% | 7,560 |
| Total domestic deposits to total assets | 83.3612% | 4,450 |
| Equity capital to assets | 15.7958% | 702 |
| Core capital (leverage) ratio | 15.3070% | 688 |
| Tier 1 risk-based capital ratio | 35.0129% | 356 |
| Total risk-based capital ratio | 36.2152% | 353 |
| Memoranda: | ||
| Average total assets | $33,425,500 | 7,329 |
| Average earning assets | $30,709,000 | 7,292 |
| Average equity | $5,378,500 | 6,714 |
| Average total loans | $10,838,500 | 7,609 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 7,189 |
| Cost of funding earning assets | 1.3355% | 6,192 |
| Net interest margin | 3.3320% | 5,617 |
| Noninterest income to average assets | 0.4925% | 4,473 |
| Noninterest expense to average assets | 2.2514% | 6,871 |
| Loan and lease loss provision to assets | 0.1101% | 6,546 |
| Net operating income to assets | 0.9456% | 2,019 |
| Return on assets (ROA) | 1.0278% | 1,795 |
| Pretax return on assets | 1.3031% | 1,684 |
| Return on Equity (ROE) | 6.3610% | 3,051 |
| Retained earnings to average equity (ytd only) | 2.5747% | 3,340 |
| Net charge-offs to loans | 0.2351% | 5,154 |
| Credit loss provision to net charge-offs | 150.0000% | 3,093 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 1,165 |
| Efficiency ratio | 63.2302% | 5,924 |
| Assets per employee ($millions) | 4.1005% | 3,613 |
| Cash dividends to net income (ytd only)* | 59.5238% | 2,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5520% | 3,464 |
| Loan loss allowance to noncurrent loans | 16,600.0000% | 27 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 7,533 |
| Noncurrent loans to loans | 0.0093% | 7,421 |
| Net loans and leases to total assets | 32.0997% | 7,656 |
| Net loans and leases to deposits | 38.7104% | 7,659 |
| Net loans and leases to core deposits | 44.9865% | 7,687 |
| Total domestic deposits to total assets | 82.9228% | 4,555 |
| Equity capital to assets | 16.3974% | 640 |
| Core capital (leverage) ratio | 15.6592% | 668 |
| Tier 1 risk-based capital ratio | 35.5336% | 330 |
| Total risk-based capital ratio | 36.7067% | 330 |
| Memoranda: | ||
| Average total assets | $32,690,800 | 7,375 |
| Average earning assets | $30,102,000 | 7,348 |
| Average equity | $5,282,200 | 6,839 |
| Average total loans | $10,208,800 | 7,701 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6698% | 7,331 |
| Cost of funding earning assets | 1.3706% | 6,332 |
| Net interest margin | 3.2992% | 5,644 |
| Noninterest income to average assets | 0.4858% | 4,617 |
| Noninterest expense to average assets | 2.1472% | 7,101 |
| Loan and lease loss provision to assets | 0.1102% | 6,270 |
| Net operating income to assets | 0.9874% | 2,101 |
| Return on assets (ROA) | 1.0246% | 2,047 |
| Pretax return on assets | 1.3430% | 1,840 |
| Return on Equity (ROE) | 6.3648% | 3,369 |
| Retained earnings to average equity (ytd only) | 1.2933% | 4,602 |
| Net charge-offs to loans | -0.0265% | 7,790 |
| Credit loss provision to net charge-offs | -1,350.0000% | 7,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4598% | 6,350 |
| Assets per employee ($millions) | 3.9218% | 3,886 |
| Cash dividends to net income (ytd only)* | 79.6809% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7726% | 2,376 |
| Loan loss allowance to noncurrent loans | 571.8750% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.1020% | 7,292 |
| Noncurrent loans to loans | 0.3100% | 6,745 |
| Net loans and leases to total assets | 32.3229% | 7,739 |
| Net loans and leases to deposits | 39.4085% | 7,747 |
| Net loans and leases to core deposits | 46.7047% | 7,757 |
| Total domestic deposits to total assets | 82.0201% | 4,668 |
| Equity capital to assets | 16.9503% | 643 |
| Core capital (leverage) ratio | 15.6627% | 732 |
| Tier 1 risk-based capital ratio | 35.4032% | 373 |
| Total risk-based capital ratio | 36.7139% | 366 |
| Memoranda: | ||
| Average total assets | $32,662,500 | 7,435 |
| Average earning assets | $30,350,500 | 7,403 |
| Average equity | $5,258,000 | 6,922 |
| Average total loans | $10,087,000 | 7,778 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 7,302 |
| Cost of funding earning assets | 1.4432% | 6,338 |
| Net interest margin | 3.3127% | 5,510 |
| Noninterest income to average assets | 0.4654% | 4,744 |
| Noninterest expense to average assets | 2.1214% | 7,234 |
| Loan and lease loss provision to assets | 0.1088% | 6,069 |
| Net operating income to assets | 0.9700% | 2,209 |
| Return on assets (ROA) | 1.0154% | 2,143 |
| Pretax return on assets | 1.3478% | 1,887 |
| Return on Equity (ROE) | 6.4147% | 3,475 |
| Retained earnings to average equity (ytd only) | 3.1691% | 3,554 |
| Net charge-offs to loans | -0.0200% | 7,698 |
| Credit loss provision to net charge-offs | -1,800.0000% | 7,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3093% | 6,493 |
| Assets per employee ($millions) | 4.1603% | 3,370 |
| Cash dividends to net income (ytd only)* | 50.5952% | 2,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 2,189 |
| Loan loss allowance to noncurrent loans | 961.1111% | 371 |
| Noncurrent assets plus other real estate owned to assets | 0.0541% | 7,464 |
| Noncurrent loans to loans | 0.1819% | 7,061 |
| Net loans and leases to total assets | 29.2080% | 7,905 |
| Net loans and leases to deposits | 35.0597% | 7,916 |
| Net loans and leases to core deposits | 41.1697% | 7,917 |
| Total domestic deposits to total assets | 83.3093% | 4,105 |
| Equity capital to assets | 15.9095% | 845 |
| Core capital (leverage) ratio | 15.0959% | 899 |
| Tier 1 risk-based capital ratio | 36.4442% | 384 |
| Total risk-based capital ratio | 37.7115% | 377 |
| Memoranda: | ||
| Average total assets | $33,092,000 | 7,480 |
| Average earning assets | $30,488,330 | 7,458 |
| Average equity | $5,238,000 | 6,986 |
| Average total loans | $10,008,000 | 7,860 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 7,399 |
| Cost of funding earning assets | 1.4763% | 6,477 |
| Net interest margin | 3.3022% | 5,490 |
| Noninterest income to average assets | 0.4243% | 5,010 |
| Noninterest expense to average assets | 2.0365% | 7,266 |
| Loan and lease loss provision to assets | 0.1091% | 5,574 |
| Net operating income to assets | 1.1468% | 1,816 |
| Return on assets (ROA) | 1.2486% | 1,619 |
| Pretax return on assets | 1.4910% | 1,691 |
| Return on Equity (ROE) | 7.9086% | 3,187 |
| Retained earnings to average equity (ytd only) | 1.3821% | 5,082 |
| Net charge-offs to loans | -0.2385% | 8,033 |
| Credit loss provision to net charge-offs | -150.0000% | 6,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9310% | 6,711 |
| Assets per employee ($millions) | 4.1281% | 3,406 |
| Cash dividends to net income (ytd only)* | 82.5243% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7150% | 2,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 29.3263% | 7,928 |
| Net loans and leases to deposits | 35.1875% | 7,955 |
| Net loans and leases to core deposits | 41.3694% | 7,956 |
| Total domestic deposits to total assets | 83.3429% | 3,983 |
| Equity capital to assets | 15.7820% | 913 |
| Core capital (leverage) ratio | 15.2537% | 912 |
| Tier 1 risk-based capital ratio | 38.2846% | 353 |
| Total risk-based capital ratio | 39.6023% | 343 |
| Memoranda: | ||
| Average total assets | $32,997,000 | 7,530 |
| Average earning assets | $30,888,500 | 7,479 |
| Average equity | $5,209,500 | 7,052 |
| Average total loans | $10,065,000 | 7,906 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1302% | 7,742 |
| Cost of funding earning assets | 1.9451% | 6,594 |
| Net interest margin | 3.1850% | 6,405 |
| Noninterest income to average assets | 0.5364% | 4,344 |
| Noninterest expense to average assets | 2.0482% | 7,351 |
| Loan and lease loss provision to assets | 0.1097% | 5,969 |
| Net operating income to assets | 1.0447% | 2,383 |
| Return on assets (ROA) | 1.1247% | 1,965 |
| Pretax return on assets | 1.4995% | 1,686 |
| Return on Equity (ROE) | 7.3188% | 3,356 |
| Retained earnings to average equity (ytd only) | 2.3404% | 3,744 |
| Net charge-offs to loans | 0.0471% | 6,112 |
| Credit loss provision to net charge-offs | 720.0000% | 583 |
| Earnings coverage of net charge-offs (x) | 98.6000% | 439 |
| Efficiency ratio | 57.6824% | 6,755 |
| Assets per employee ($millions) | 4.1211% | 3,270 |
| Cash dividends to net income (ytd only)* | 68.0217% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 2,702 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 30.7016% | 7,972 |
| Net loans and leases to deposits | 37.0769% | 7,995 |
| Net loans and leases to core deposits | 44.3034% | 7,993 |
| Total domestic deposits to total assets | 82.8051% | 3,853 |
| Equity capital to assets | 15.7936% | 980 |
| Core capital (leverage) ratio | 15.2011% | 981 |
| Tier 1 risk-based capital ratio | 36.7942% | 401 |
| Total risk-based capital ratio | 37.9520% | 393 |
| Memoranda: | ||
| Average total assets | $32,810,000 | 7,522 |
| Average earning assets | $31,051,600 | 7,459 |
| Average equity | $5,041,800 | 7,131 |
| Average total loans | $10,605,200 | 7,912 |