Home > RelianzBank > Performance and Condition Ratios
RelianzBank, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9898% | 3,336 |
| Cost of funding earning assets | 0.5211% | 2,061 |
| Net interest margin | 3.4687% | 3,624 |
| Noninterest income to average assets | 0.1600% | 5,753 |
| Noninterest expense to average assets | 3.9952% | 674 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.5839% | 6,205 |
| Return on assets (ROA) | -0.5839% | 6,214 |
| Pretax return on assets | -0.5079% | 6,190 |
| Return on Equity (ROE) | -5.9738% | 6,208 |
| Retained earnings to average equity (ytd only) | -58.0606% | 6,327 |
| Net charge-offs to loans | 0.0275% | 3,119 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | -25.4000% | 3,866 |
| Efficiency ratio | 114.5642% | 132 |
| Assets per employee ($millions) | 5.3163% | 1,910 |
| Cash dividends to net income (ytd only)* | -871.9178% | 6,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 1,563 |
| Loan loss allowance to noncurrent loans | 3,252.6316% | 206 |
| Noncurrent assets plus other real estate owned to assets | 0.0397% | 5,706 |
| Noncurrent loans to loans | 0.0528% | 5,530 |
| Net loans and leases to total assets | 73.9378% | 1,675 |
| Net loans and leases to deposits | 85.1514% | 2,156 |
| Net loans and leases to core deposits | 118.1202% | 525 |
| Total domestic deposits to total assets | 86.8309% | 2,249 |
| Equity capital to assets | 8.2158% | 5,869 |
| Core capital (leverage) ratio | 7.9050% | 5,974 |
| Tier 1 risk-based capital ratio | 12.4394% | 4,848 |
| Total risk-based capital ratio | 13.6976% | 4,757 |
| Memoranda: | ||
| Average total assets | $50,010,330 | 5,667 |
| Average earning assets | $47,972,000 | 5,608 |
| Average equity | $4,888,000 | 5,806 |
| Average total loans | $36,373,330 | 5,248 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9782% | 3,310 |
| Cost of funding earning assets | 0.5217% | 2,093 |
| Net interest margin | 3.4565% | 3,604 |
| Noninterest income to average assets | 0.1409% | 5,905 |
| Noninterest expense to average assets | 2.5131% | 4,222 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8612% | 2,955 |
| Return on assets (ROA) | 0.8612% | 3,070 |
| Pretax return on assets | 0.9473% | 3,707 |
| Return on Equity (ROE) | 8.1990% | 2,859 |
| Retained earnings to average equity (ytd only) | 2.6088% | 4,376 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6244% | 3,064 |
| Assets per employee ($millions) | 6.3436% | 1,167 |
| Cash dividends to net income (ytd only)* | 68.1818% | 1,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7592% | 1,592 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 68.5531% | 2,359 |
| Net loans and leases to deposits | 80.8900% | 2,459 |
| Net loans and leases to core deposits | 112.5053% | 629 |
| Total domestic deposits to total assets | 84.7485% | 3,529 |
| Equity capital to assets | 10.6170% | 3,404 |
| Core capital (leverage) ratio | 10.6155% | 2,835 |
| Tier 1 risk-based capital ratio | 15.9048% | 2,967 |
| Total risk-based capital ratio | 17.1614% | 2,907 |
| Memoranda: | ||
| Average total assets | $51,092,000 | 5,699 |
| Average earning assets | $49,067,000 | 5,634 |
| Average equity | $5,366,500 | 5,743 |
| Average total loans | $36,562,500 | 5,269 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3862% | 2,265 |
| Cost of funding earning assets | 0.5325% | 2,361 |
| Net interest margin | 3.8537% | 2,413 |
| Noninterest income to average assets | 0.1661% | 5,867 |
| Noninterest expense to average assets | 2.8742% | 3,222 |
| Loan and lease loss provision to assets | 0.0762% | 2,951 |
| Net operating income to assets | 0.8714% | 3,009 |
| Return on assets (ROA) | 0.8714% | 3,098 |
| Pretax return on assets | 0.9066% | 3,879 |
| Return on Equity (ROE) | 8.5885% | 2,795 |
| Retained earnings to average equity (ytd only) | 6.2777% | 1,766 |
| Net charge-offs to loans | 0.4478% | 940 |
| Credit loss provision to net charge-offs | 22.1591% | 3,948 |
| Earnings coverage of net charge-offs (x) | 2.8580% | 4,044 |
| Efficiency ratio | 74.5187% | 2,747 |
| Assets per employee ($millions) | 6.4294% | 1,095 |
| Cash dividends to net income (ytd only)* | 26.9058% | 3,511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6520% | 1,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 72.1085% | 1,894 |
| Net loans and leases to deposits | 84.9204% | 2,108 |
| Net loans and leases to core deposits | 126.4671% | 289 |
| Total domestic deposits to total assets | 84.9130% | 3,323 |
| Equity capital to assets | 10.3918% | 3,620 |
| Core capital (leverage) ratio | 10.3364% | 3,125 |
| Tier 1 risk-based capital ratio | 15.2808% | 3,323 |
| Total risk-based capital ratio | 16.5361% | 3,273 |
| Memoranda: | ||
| Average total assets | $51,180,200 | 5,762 |
| Average earning assets | $49,017,200 | 5,702 |
| Average equity | $5,193,000 | 5,812 |
| Average total loans | $39,302,400 | 5,212 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 2,219 |
| Cost of funding earning assets | 0.5316% | 2,452 |
| Net interest margin | 3.8686% | 2,358 |
| Noninterest income to average assets | 0.1591% | 5,957 |
| Noninterest expense to average assets | 2.9240% | 3,043 |
| Loan and lease loss provision to assets | 0.1017% | 2,335 |
| Net operating income to assets | 0.8034% | 3,414 |
| Return on assets (ROA) | 0.8034% | 3,509 |
| Pretax return on assets | 0.8347% | 4,243 |
| Return on Equity (ROE) | 7.9662% | 3,230 |
| Retained earnings to average equity (ytd only) | 7.9662% | 1,378 |
| Net charge-offs to loans | 0.5374% | 713 |
| Credit loss provision to net charge-offs | 24.3750% | 3,530 |
| Earnings coverage of net charge-offs (x) | 2.2437% | 3,959 |
| Efficiency ratio | 75.7432% | 2,535 |
| Assets per employee ($millions) | 5.1635% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6538% | 2,128 |
| Loan loss allowance to noncurrent loans | 4,564.2857% | 147 |
| Noncurrent assets plus other real estate owned to assets | 0.0271% | 6,059 |
| Noncurrent loans to loans | 0.0362% | 5,877 |
| Net loans and leases to total assets | 73.5935% | 1,586 |
| Net loans and leases to deposits | 86.6907% | 1,831 |
| Net loans and leases to core deposits | 126.7765% | 273 |
| Total domestic deposits to total assets | 84.8920% | 3,380 |
| Equity capital to assets | 10.3128% | 3,775 |
| Core capital (leverage) ratio | 10.4341% | 3,115 |
| Tier 1 risk-based capital ratio | 14.6291% | 3,800 |
| Total risk-based capital ratio | 15.8843% | 3,740 |
| Memoranda: | ||
| Average total assets | $51,116,500 | 5,827 |
| Average earning assets | $48,905,750 | 5,770 |
| Average equity | $5,155,000 | 5,886 |
| Average total loans | $39,700,000 | 5,255 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4428% | 2,019 |
| Cost of funding earning assets | 0.5338% | 2,505 |
| Net interest margin | 3.9090% | 2,124 |
| Noninterest income to average assets | 0.1610% | 5,990 |
| Noninterest expense to average assets | 2.9719% | 2,930 |
| Loan and lease loss provision to assets | 0.1531% | 1,611 |
| Net operating income to assets | 0.7498% | 3,572 |
| Return on assets (ROA) | 0.7498% | 3,677 |
| Pretax return on assets | 0.7734% | 4,369 |
| Return on Equity (ROE) | 7.4926% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.4926% | 1,524 |
| Net charge-offs to loans | 0.4844% | 829 |
| Credit loss provision to net charge-offs | 40.2062% | 2,923 |
| Earnings coverage of net charge-offs (x) | 2.4330% | 3,549 |
| Efficiency ratio | 76.2336% | 2,582 |
| Assets per employee ($millions) | 4.5500% | 2,846 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7136% | 2,087 |
| Loan loss allowance to noncurrent loans | 202.3055% | 2,111 |
| Noncurrent assets plus other real estate owned to assets | 0.6933% | 3,906 |
| Noncurrent loans to loans | 0.8470% | 3,586 |
| Net loans and leases to total assets | 80.4476% | 633 |
| Net loans and leases to deposits | 95.0407% | 875 |
| Net loans and leases to core deposits | 138.6310% | 144 |
| Total domestic deposits to total assets | 84.6454% | 3,660 |
| Equity capital to assets | 10.4016% | 3,559 |
| Core capital (leverage) ratio | 10.3279% | 3,168 |
| Tier 1 risk-based capital ratio | 13.2474% | 4,758 |
| Total risk-based capital ratio | 14.5037% | 4,687 |
| Memoranda: | ||
| Average total assets | $50,943,670 | 5,878 |
| Average earning assets | $48,708,330 | 5,820 |
| Average equity | $5,098,330 | 5,938 |
| Average total loans | $40,053,670 | 5,273 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3654% | 2,279 |
| Cost of funding earning assets | 0.5294% | 2,614 |
| Net interest margin | 3.8360% | 2,320 |
| Noninterest income to average assets | 0.1635% | 5,999 |
| Noninterest expense to average assets | 3.0823% | 2,584 |
| Loan and lease loss provision to assets | 0.2257% | 988 |
| Net operating income to assets | 0.5137% | 4,619 |
| Return on assets (ROA) | 0.5137% | 4,695 |
| Pretax return on assets | 0.5215% | 5,103 |
| Return on Equity (ROE) | 5.2334% | 4,431 |
| Retained earnings to average equity (ytd only) | 5.2334% | 2,978 |
| Net charge-offs to loans | -0.0202% | 5,368 |
| Credit loss provision to net charge-offs | -1,450.0000% | 5,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4878% | 2,131 |
| Assets per employee ($millions) | 4.6444% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0208% | 1,475 |
| Loan loss allowance to noncurrent loans | 227.9539% | 1,870 |
| Noncurrent assets plus other real estate owned to assets | 0.6792% | 4,076 |
| Noncurrent loans to loans | 0.8865% | 3,665 |
| Net loans and leases to total assets | 75.0685% | 1,118 |
| Net loans and leases to deposits | 88.0499% | 1,358 |
| Net loans and leases to core deposits | 131.4065% | 179 |
| Total domestic deposits to total assets | 85.2568% | 3,742 |
| Equity capital to assets | 9.9260% | 3,931 |
| Core capital (leverage) ratio | 9.9103% | 3,697 |
| Tier 1 risk-based capital ratio | 13.2707% | 4,843 |
| Total risk-based capital ratio | 14.5315% | 4,767 |
| Memoranda: | ||
| Average total assets | $51,390,500 | 5,927 |
| Average earning assets | $49,113,500 | 5,865 |
| Average equity | $5,044,500 | 5,983 |
| Average total loans | $39,597,500 | 5,341 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7616% | 1,402 |
| Cost of funding earning assets | 0.5286% | 3,300 |
| Net interest margin | 4.2330% | 1,264 |
| Noninterest income to average assets | 0.1860% | 5,978 |
| Noninterest expense to average assets | 2.8962% | 3,381 |
| Loan and lease loss provision to assets | 0.1820% | 2,027 |
| Net operating income to assets | 1.1021% | 1,927 |
| Return on assets (ROA) | 1.1021% | 1,990 |
| Pretax return on assets | 1.1441% | 2,792 |
| Return on Equity (ROE) | 11.2056% | 1,700 |
| Retained earnings to average equity (ytd only) | 6.8332% | 1,515 |
| Net charge-offs to loans | 0.1286% | 3,525 |
| Credit loss provision to net charge-offs | 178.4314% | 1,285 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 2,074 |
| Efficiency ratio | 68.5931% | 4,079 |
| Assets per employee ($millions) | 4.6994% | 2,585 |
| Cash dividends to net income (ytd only)* | 39.0200% | 2,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8975% | 1,785 |
| Loan loss allowance to noncurrent loans | 193.8776% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.7583% | 3,988 |
| Noncurrent loans to loans | 0.9787% | 3,565 |
| Net loans and leases to total assets | 76.0122% | 1,073 |
| Net loans and leases to deposits | 89.0251% | 1,343 |
| Net loans and leases to core deposits | 132.0507% | 181 |
| Total domestic deposits to total assets | 85.3829% | 3,561 |
| Equity capital to assets | 9.7073% | 4,157 |
| Core capital (leverage) ratio | 9.6450% | 4,061 |
| Tier 1 risk-based capital ratio | 12.9353% | 5,022 |
| Total risk-based capital ratio | 14.1933% | 4,972 |
| Memoranda: | ||
| Average total assets | $49,997,400 | 6,016 |
| Average earning assets | $47,673,200 | 5,946 |
| Average equity | $4,917,200 | 6,083 |
| Average total loans | $39,649,600 | 5,363 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7570% | 1,462 |
| Cost of funding earning assets | 0.5220% | 3,545 |
| Net interest margin | 4.2350% | 1,231 |
| Noninterest income to average assets | 0.1937% | 6,013 |
| Noninterest expense to average assets | 2.8724% | 3,398 |
| Loan and lease loss provision to assets | 0.1641% | 2,206 |
| Net operating income to assets | 1.1511% | 1,807 |
| Return on assets (ROA) | 1.1511% | 1,885 |
| Pretax return on assets | 1.1941% | 2,726 |
| Return on Equity (ROE) | 11.6650% | 1,592 |
| Retained earnings to average equity (ytd only) | 11.6650% | 474 |
| Net charge-offs to loans | 0.1753% | 2,821 |
| Credit loss provision to net charge-offs | 117.3077% | 2,004 |
| Earnings coverage of net charge-offs (x) | 9.7118% | 2,445 |
| Efficiency ratio | 67.8957% | 4,117 |
| Assets per employee ($millions) | 5.1483% | 1,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8204% | 2,237 |
| Loan loss allowance to noncurrent loans | 185.9694% | 2,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 4,204 |
| Noncurrent loans to loans | 0.9788% | 3,855 |
| Net loans and leases to total assets | 76.3708% | 959 |
| Net loans and leases to deposits | 89.7753% | 1,192 |
| Net loans and leases to core deposits | 132.3616% | 162 |
| Total domestic deposits to total assets | 85.0689% | 3,714 |
| Equity capital to assets | 9.9256% | 4,016 |
| Core capital (leverage) ratio | 9.9703% | 3,716 |
| Tier 1 risk-based capital ratio | 13.4414% | 4,803 |
| Total risk-based capital ratio | 14.6987% | 4,740 |
| Memoranda: | ||
| Average total assets | $49,573,500 | 6,091 |
| Average earning assets | $47,255,750 | 6,025 |
| Average equity | $4,892,000 | 6,168 |
| Average total loans | $39,548,750 | 5,415 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7580% | 1,430 |
| Cost of funding earning assets | 0.5063% | 3,841 |
| Net interest margin | 4.2517% | 1,136 |
| Noninterest income to average assets | 0.1962% | 6,033 |
| Noninterest expense to average assets | 2.9385% | 3,207 |
| Loan and lease loss provision to assets | 0.1226% | 2,789 |
| Net operating income to assets | 1.1484% | 1,750 |
| Return on assets (ROA) | 1.1484% | 1,864 |
| Pretax return on assets | 1.1852% | 2,742 |
| Return on Equity (ROE) | 11.6614% | 1,586 |
| Retained earnings to average equity (ytd only) | 11.6614% | 545 |
| Net charge-offs to loans | 0.0813% | 3,558 |
| Credit loss provision to net charge-offs | 187.5000% | 1,269 |
| Earnings coverage of net charge-offs (x) | 20.0000% | 1,483 |
| Efficiency ratio | 69.2012% | 3,977 |
| Assets per employee ($millions) | 4.8132% | 2,351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8212% | 2,363 |
| Loan loss allowance to noncurrent loans | 288.9764% | 1,459 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 4,945 |
| Noncurrent loans to loans | 0.6302% | 4,681 |
| Net loans and leases to total assets | 82.2073% | 342 |
| Net loans and leases to deposits | 95.8759% | 686 |
| Net loans and leases to core deposits | 142.8448% | 119 |
| Total domestic deposits to total assets | 85.7434% | 3,508 |
| Equity capital to assets | 10.3112% | 3,533 |
| Core capital (leverage) ratio | 10.3177% | 3,080 |
| Tier 1 risk-based capital ratio | 13.5813% | 4,724 |
| Total risk-based capital ratio | 14.8401% | 4,675 |
| Memoranda: | ||
| Average total assets | $48,937,000 | 6,148 |
| Average earning assets | $46,616,670 | 6,080 |
| Average equity | $4,819,330 | 6,234 |
| Average total loans | $39,382,670 | 5,448 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7091% | 1,510 |
| Cost of funding earning assets | 0.5119% | 3,951 |
| Net interest margin | 4.1973% | 1,189 |
| Noninterest income to average assets | 0.2027% | 6,028 |
| Noninterest expense to average assets | 2.9915% | 3,018 |
| Loan and lease loss provision to assets | 0.1216% | 2,705 |
| Net operating income to assets | 1.0620% | 1,984 |
| Return on assets (ROA) | 1.0620% | 2,101 |
| Pretax return on assets | 1.0782% | 3,033 |
| Return on Equity (ROE) | 11.0374% | 1,696 |
| Retained earnings to average equity (ytd only) | 11.0374% | 866 |
| Net charge-offs to loans | 0.1747% | 2,348 |
| Credit loss provision to net charge-offs | 88.2353% | 2,048 |
| Earnings coverage of net charge-offs (x) | 8.7059% | 1,920 |
| Efficiency ratio | 71.3733% | 3,741 |
| Assets per employee ($millions) | 4.8957% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8468% | 2,455 |
| Loan loss allowance to noncurrent loans | 248.4429% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 4,913 |
| Noncurrent loans to loans | 0.7434% | 4,643 |
| Net loans and leases to total assets | 77.9460% | 615 |
| Net loans and leases to deposits | 88.6988% | 1,080 |
| Net loans and leases to core deposits | 125.2667% | 216 |
| Total domestic deposits to total assets | 87.8771% | 2,396 |
| Equity capital to assets | 9.8311% | 4,381 |
| Core capital (leverage) ratio | 9.9370% | 3,481 |
| Tier 1 risk-based capital ratio | 13.8067% | 4,646 |
| Total risk-based capital ratio | 15.0660% | 4,604 |
| Memoranda: | ||
| Average total assets | $49,339,500 | 6,199 |
| Average earning assets | $46,887,500 | 6,132 |
| Average equity | $4,747,500 | 6,318 |
| Average total loans | $38,923,000 | 5,509 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0941% | 1,329 |
| Cost of funding earning assets | 0.7197% | 3,332 |
| Net interest margin | 4.3744% | 1,217 |
| Noninterest income to average assets | 0.1653% | 6,209 |
| Noninterest expense to average assets | 3.2142% | 2,563 |
| Loan and lease loss provision to assets | 0.2778% | 2,431 |
| Net operating income to assets | 0.7958% | 3,307 |
| Return on assets (ROA) | 0.7958% | 3,550 |
| Pretax return on assets | 0.8135% | 4,244 |
| Return on Equity (ROE) | 7.8413% | 3,158 |
| Retained earnings to average equity (ytd only) | 4.6266% | 2,967 |
| Net charge-offs to loans | 0.0892% | 4,785 |
| Credit loss provision to net charge-offs | 393.7500% | 615 |
| Earnings coverage of net charge-offs (x) | 15.4688% | 1,649 |
| Efficiency ratio | 74.6544% | 2,961 |
| Assets per employee ($millions) | 4.9722% | 2,261 |
| Cash dividends to net income (ytd only)* | 40.9972% | 2,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 2,445 |
| Loan loss allowance to noncurrent loans | 467.5325% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.3097% | 5,742 |
| Noncurrent loans to loans | 0.3952% | 5,508 |
| Net loans and leases to total assets | 76.9237% | 796 |
| Net loans and leases to deposits | 87.1233% | 1,371 |
| Net loans and leases to core deposits | 119.8884% | 283 |
| Total domestic deposits to total assets | 88.2929% | 2,033 |
| Equity capital to assets | 9.4164% | 4,978 |
| Core capital (leverage) ratio | 9.8059% | 3,650 |
| Tier 1 risk-based capital ratio | 13.3444% | 4,863 |
| Total risk-based capital ratio | 14.6041% | 4,808 |
| Memoranda: | ||
| Average total assets | $45,360,800 | 6,342 |
| Average earning assets | $42,931,600 | 6,274 |
| Average equity | $4,603,800 | 6,414 |
| Average total loans | $35,858,200 | 5,685 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1250% | 1,368 |
| Cost of funding earning assets | 0.7572% | 3,291 |
| Net interest margin | 4.3679% | 1,293 |
| Noninterest income to average assets | 0.1656% | 6,314 |
| Noninterest expense to average assets | 3.3129% | 2,233 |
| Loan and lease loss provision to assets | 0.2289% | 2,768 |
| Net operating income to assets | 0.7529% | 3,681 |
| Return on assets (ROA) | 0.7529% | 3,934 |
| Pretax return on assets | 0.7590% | 4,634 |
| Return on Equity (ROE) | 7.2712% | 3,649 |
| Retained earnings to average equity (ytd only) | 7.2712% | 1,961 |
| Net charge-offs to loans | 0.1216% | 4,159 |
| Credit loss provision to net charge-offs | 237.5000% | 1,164 |
| Earnings coverage of net charge-offs (x) | 10.2489% | 2,206 |
| Efficiency ratio | 77.0308% | 2,519 |
| Assets per employee ($millions) | 4.1602% | 3,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7350% | 3,020 |
| Loan loss allowance to noncurrent loans | 360.2151% | 1,034 |
| Noncurrent assets plus other real estate owned to assets | 0.4065% | 5,673 |
| Noncurrent loans to loans | 0.4817% | 5,490 |
| Net loans and leases to total assets | 82.9225% | 282 |
| Net loans and leases to deposits | 95.5411% | 687 |
| Net loans and leases to core deposits | 138.4018% | 145 |
| Total domestic deposits to total assets | 86.7925% | 2,804 |
| Equity capital to assets | 10.3120% | 4,065 |
| Core capital (leverage) ratio | 10.4741% | 2,948 |
| Tier 1 risk-based capital ratio | 13.8864% | 4,623 |
| Total risk-based capital ratio | 15.1458% | 4,572 |
| Memoranda: | ||
| Average total assets | $44,270,500 | 6,442 |
| Average earning assets | $41,911,000 | 6,379 |
| Average equity | $4,584,250 | 6,496 |
| Average total loans | $35,080,750 | 5,794 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0177% | 1,738 |
| Cost of funding earning assets | 0.7816% | 3,348 |
| Net interest margin | 4.2361% | 1,650 |
| Noninterest income to average assets | 0.1599% | 6,390 |
| Noninterest expense to average assets | 3.2805% | 2,360 |
| Loan and lease loss provision to assets | 0.2102% | 2,980 |
| Net operating income to assets | 0.6899% | 3,917 |
| Return on assets (ROA) | 0.6899% | 4,184 |
| Pretax return on assets | 0.6808% | 4,888 |
| Return on Equity (ROE) | 6.6530% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.6530% | 2,302 |
| Net charge-offs to loans | 0.1888% | 3,449 |
| Credit loss provision to net charge-offs | 143.7500% | 1,927 |
| Earnings coverage of net charge-offs (x) | 6.0938% | 2,702 |
| Efficiency ratio | 78.6418% | 2,380 |
| Assets per employee ($millions) | 4.4078% | 3,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7631% | 2,973 |
| Loan loss allowance to noncurrent loans | 1,306.1224% | 340 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 6,516 |
| Noncurrent loans to loans | 0.1350% | 6,321 |
| Net loans and leases to total assets | 80.8998% | 417 |
| Net loans and leases to deposits | 93.4338% | 820 |
| Net loans and leases to core deposits | 132.6995% | 198 |
| Total domestic deposits to total assets | 86.5851% | 3,016 |
| Equity capital to assets | 10.4814% | 3,712 |
| Core capital (leverage) ratio | 10.5096% | 2,793 |
| Tier 1 risk-based capital ratio | 13.1575% | 5,075 |
| Total risk-based capital ratio | 14.4135% | 5,046 |
| Memoranda: | ||
| Average total assets | $43,773,330 | 6,497 |
| Average earning assets | $41,453,330 | 6,432 |
| Average equity | $4,539,330 | 6,535 |
| Average total loans | $33,902,000 | 5,875 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0133% | 1,843 |
| Cost of funding earning assets | 0.8017% | 3,462 |
| Net interest margin | 4.2116% | 1,732 |
| Noninterest income to average assets | 0.1559% | 6,459 |
| Noninterest expense to average assets | 3.3012% | 2,283 |
| Loan and lease loss provision to assets | 0.2751% | 2,263 |
| Net operating income to assets | 0.5502% | 4,594 |
| Return on assets (ROA) | 0.5502% | 4,807 |
| Pretax return on assets | 0.5777% | 5,195 |
| Return on Equity (ROE) | 5.3345% | 4,623 |
| Retained earnings to average equity (ytd only) | 5.3345% | 3,356 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4702% | 2,271 |
| Assets per employee ($millions) | 4.3170% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9948% | 2,373 |
| Loan loss allowance to noncurrent loans | 1,338.7755% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 6,596 |
| Noncurrent loans to loans | 0.1490% | 6,384 |
| Net loans and leases to total assets | 74.6560% | 962 |
| Net loans and leases to deposits | 86.3631% | 1,377 |
| Net loans and leases to core deposits | 111.9529% | 471 |
| Total domestic deposits to total assets | 86.4443% | 3,279 |
| Equity capital to assets | 10.4911% | 3,501 |
| Core capital (leverage) ratio | 10.4461% | 2,816 |
| Tier 1 risk-based capital ratio | 13.9970% | 4,476 |
| Total risk-based capital ratio | 15.2579% | 4,429 |
| Memoranda: | ||
| Average total assets | $43,621,000 | 6,542 |
| Average earning assets | $41,409,500 | 6,476 |
| Average equity | $4,499,000 | 6,581 |
| Average total loans | $32,703,500 | 5,969 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5415% | 1,074 |
| Cost of funding earning assets | 0.9223% | 3,942 |
| Net interest margin | 4.6191% | 886 |
| Noninterest income to average assets | 0.1673% | 6,290 |
| Noninterest expense to average assets | 3.1140% | 3,151 |
| Loan and lease loss provision to assets | 0.3585% | 2,856 |
| Net operating income to assets | 1.0802% | 1,894 |
| Return on assets (ROA) | 1.0802% | 2,025 |
| Pretax return on assets | 1.0874% | 2,885 |
| Return on Equity (ROE) | 10.2290% | 1,979 |
| Retained earnings to average equity (ytd only) | 5.4087% | 2,366 |
| Net charge-offs to loans | 0.0773% | 5,548 |
| Credit loss provision to net charge-offs | 600.0000% | 370 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 997 |
| Efficiency ratio | 68.2914% | 4,298 |
| Assets per employee ($millions) | 4.4072% | 3,051 |
| Cash dividends to net income (ytd only)* | 47.1239% | 2,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9249% | 2,491 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 72.3725% | 1,576 |
| Net loans and leases to deposits | 83.4122% | 2,005 |
| Net loans and leases to core deposits | 106.5722% | 770 |
| Total domestic deposits to total assets | 86.7648% | 2,888 |
| Equity capital to assets | 10.1402% | 3,985 |
| Core capital (leverage) ratio | 10.3327% | 2,933 |
| Tier 1 risk-based capital ratio | 14.0235% | 4,311 |
| Total risk-based capital ratio | 15.2818% | 4,259 |
| Memoranda: | ||
| Average total assets | $41,842,800 | 6,606 |
| Average earning assets | $39,791,000 | 6,535 |
| Average equity | $4,418,800 | 6,625 |
| Average total loans | $32,342,200 | 6,054 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6451% | 949 |
| Cost of funding earning assets | 0.9539% | 4,014 |
| Net interest margin | 4.6913% | 777 |
| Noninterest income to average assets | 0.1744% | 6,341 |
| Noninterest expense to average assets | 3.1229% | 3,082 |
| Loan and lease loss provision to assets | 0.3552% | 2,744 |
| Net operating income to assets | 1.1852% | 1,693 |
| Return on assets (ROA) | 1.1852% | 1,811 |
| Pretax return on assets | 1.1594% | 2,786 |
| Return on Equity (ROE) | 11.1051% | 1,831 |
| Retained earnings to average equity (ytd only) | 11.1051% | 616 |
| Net charge-offs to loans | 0.1032% | 4,966 |
| Credit loss provision to net charge-offs | 440.0000% | 637 |
| Earnings coverage of net charge-offs (x) | 18.7615% | 1,287 |
| Efficiency ratio | 67.3398% | 4,457 |
| Assets per employee ($millions) | 4.3086% | 3,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7312% | 3,161 |
| Loan loss allowance to noncurrent loans | 781.3333% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1741% | 6,613 |
| Noncurrent loans to loans | 0.2216% | 6,430 |
| Net loans and leases to total assets | 77.2014% | 814 |
| Net loans and leases to deposits | 89.6988% | 1,248 |
| Net loans and leases to core deposits | 115.7538% | 506 |
| Total domestic deposits to total assets | 86.0674% | 3,181 |
| Equity capital to assets | 10.6694% | 3,493 |
| Core capital (leverage) ratio | 10.7354% | 2,632 |
| Tier 1 risk-based capital ratio | 14.2565% | 4,155 |
| Total risk-based capital ratio | 15.5125% | 4,115 |
| Memoranda: | ||
| Average total assets | $41,285,500 | 6,677 |
| Average earning assets | $39,277,750 | 6,616 |
| Average equity | $4,406,250 | 6,676 |
| Average total loans | $32,297,250 | 6,115 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6144% | 1,050 |
| Cost of funding earning assets | 0.9667% | 4,203 |
| Net interest margin | 4.6476% | 822 |
| Noninterest income to average assets | 0.1819% | 6,356 |
| Noninterest expense to average assets | 3.1559% | 3,063 |
| Loan and lease loss provision to assets | 0.3195% | 2,872 |
| Net operating income to assets | 1.2093% | 1,540 |
| Return on assets (ROA) | 1.2093% | 1,628 |
| Pretax return on assets | 1.1257% | 2,746 |
| Return on Equity (ROE) | 11.3294% | 1,689 |
| Retained earnings to average equity (ytd only) | 11.3294% | 617 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5897% | 4,409 |
| Assets per employee ($millions) | 4.2339% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 3,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 77.1960% | 888 |
| Net loans and leases to deposits | 89.6017% | 1,319 |
| Net loans and leases to core deposits | 116.5662% | 504 |
| Total domestic deposits to total assets | 86.1546% | 3,240 |
| Equity capital to assets | 10.5718% | 3,416 |
| Core capital (leverage) ratio | 10.9523% | 2,295 |
| Tier 1 risk-based capital ratio | 13.5562% | 4,484 |
| Total risk-based capital ratio | 14.8131% | 4,460 |
| Memoranda: | ||
| Average total assets | $40,685,330 | 6,764 |
| Average earning assets | $38,686,330 | 6,696 |
| Average equity | $4,342,670 | 6,733 |
| Average total loans | $31,780,000 | 6,213 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4664% | 1,385 |
| Cost of funding earning assets | 0.9939% | 4,243 |
| Net interest margin | 4.4725% | 1,126 |
| Noninterest income to average assets | 0.2107% | 6,229 |
| Noninterest expense to average assets | 3.1311% | 3,134 |
| Loan and lease loss provision to assets | 0.3512% | 2,454 |
| Net operating income to assets | 0.9333% | 2,435 |
| Return on assets (ROA) | 0.9333% | 2,499 |
| Pretax return on assets | 0.9734% | 3,240 |
| Return on Equity (ROE) | 8.6997% | 2,607 |
| Retained earnings to average equity (ytd only) | 8.6997% | 1,490 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2703% | 4,200 |
| Assets per employee ($millions) | 5.1169% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7035% | 3,332 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 75.5564% | 1,101 |
| Net loans and leases to deposits | 87.8590% | 1,481 |
| Net loans and leases to core deposits | 115.3551% | 549 |
| Total domestic deposits to total assets | 85.9973% | 3,530 |
| Equity capital to assets | 10.5606% | 3,116 |
| Core capital (leverage) ratio | 10.8471% | 2,311 |
| Tier 1 risk-based capital ratio | 13.7553% | 4,244 |
| Total risk-based capital ratio | 15.0121% | 4,211 |
| Memoranda: | ||
| Average total assets | $39,858,500 | 6,840 |
| Average earning assets | $37,831,000 | 6,769 |
| Average equity | $4,276,000 | 6,784 |
| Average total loans | $31,045,000 | 6,287 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8408% | 1,174 |
| Cost of funding earning assets | 1.2485% | 4,227 |
| Net interest margin | 4.5923% | 1,029 |
| Noninterest income to average assets | 0.2273% | 6,180 |
| Noninterest expense to average assets | 3.2307% | 2,977 |
| Loan and lease loss provision to assets | 0.3280% | 4,187 |
| Net operating income to assets | 0.9503% | 2,201 |
| Return on assets (ROA) | 0.9503% | 2,325 |
| Pretax return on assets | 1.0097% | 2,905 |
| Return on Equity (ROE) | 8.7677% | 2,393 |
| Retained earnings to average equity (ytd only) | 4.2409% | 2,874 |
| Net charge-offs to loans | 0.0133% | 6,695 |
| Credit loss provision to net charge-offs | 3,175.0000% | 68 |
| Earnings coverage of net charge-offs (x) | 129.5000% | 195 |
| Efficiency ratio | 70.7179% | 4,034 |
| Assets per employee ($millions) | 6.4637% | 961 |
| Cash dividends to net income (ytd only)* | 51.6304% | 2,000 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6359% | 3,448 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 77.6752% | 996 |
| Net loans and leases to deposits | 89.8446% | 1,547 |
| Net loans and leases to core deposits | 112.1686% | 806 |
| Total domestic deposits to total assets | 86.4551% | 3,102 |
| Equity capital to assets | 10.9045% | 2,771 |
| Core capital (leverage) ratio | 10.6430% | 2,424 |
| Tier 1 risk-based capital ratio | 14.3142% | 3,669 |
| Total risk-based capital ratio | 15.5700% | 3,618 |
| Memoranda: | ||
| Average total assets | $38,722,800 | 6,910 |
| Average earning assets | $36,604,800 | 6,856 |
| Average equity | $4,197,200 | 6,922 |
| Average total loans | $30,097,000 | 6,392 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8615% | 1,228 |
| Cost of funding earning assets | 1.2912% | 4,273 |
| Net interest margin | 4.5703% | 1,108 |
| Noninterest income to average assets | 0.2135% | 6,383 |
| Noninterest expense to average assets | 3.2206% | 2,857 |
| Loan and lease loss provision to assets | 0.3272% | 3,969 |
| Net operating income to assets | 0.9403% | 2,451 |
| Return on assets (ROA) | 0.9403% | 2,582 |
| Pretax return on assets | 0.9817% | 3,248 |
| Return on Equity (ROE) | 8.6887% | 2,609 |
| Retained earnings to average equity (ytd only) | 8.6887% | 1,166 |
| Net charge-offs to loans | 0.0178% | 6,425 |
| Credit loss provision to net charge-offs | 2,375.0000% | 131 |
| Earnings coverage of net charge-offs (x) | 95.0563% | 325 |
| Efficiency ratio | 71.1027% | 3,869 |
| Assets per employee ($millions) | 4.4388% | 3,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5676% | 3,670 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 73.7165% | 1,858 |
| Net loans and leases to deposits | 85.1103% | 2,499 |
| Net loans and leases to core deposits | 108.3600% | 1,133 |
| Total domestic deposits to total assets | 86.6129% | 2,748 |
| Equity capital to assets | 10.8238% | 3,145 |
| Core capital (leverage) ratio | 10.7271% | 2,490 |
| Tier 1 risk-based capital ratio | 15.2045% | 3,156 |
| Total risk-based capital ratio | 16.4598% | 3,119 |
| Memoranda: | ||
| Average total assets | $38,708,000 | 6,993 |
| Average earning assets | $36,553,750 | 6,935 |
| Average equity | $4,189,250 | 7,018 |
| Average total loans | $29,965,000 | 6,481 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9521% | 1,046 |
| Cost of funding earning assets | 1.3522% | 4,181 |
| Net interest margin | 4.5998% | 994 |
| Noninterest income to average assets | 0.2350% | 6,226 |
| Noninterest expense to average assets | 3.2537% | 2,716 |
| Loan and lease loss provision to assets | 0.3343% | 3,726 |
| Net operating income to assets | 0.9453% | 2,385 |
| Return on assets (ROA) | 0.9453% | 2,477 |
| Pretax return on assets | 0.9819% | 3,193 |
| Return on Equity (ROE) | 8.7348% | 2,567 |
| Retained earnings to average equity (ytd only) | 8.7348% | 1,191 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2000% | 3,955 |
| Assets per employee ($millions) | 4.4400% | 2,984 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 4,073 |
| Loan loss allowance to noncurrent loans | 4,018.1818% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0275% | 7,334 |
| Noncurrent loans to loans | 0.0365% | 7,228 |
| Net loans and leases to total assets | 74.2242% | 1,861 |
| Net loans and leases to deposits | 85.6236% | 2,569 |
| Net loans and leases to core deposits | 105.9891% | 1,450 |
| Total domestic deposits to total assets | 86.6867% | 2,713 |
| Equity capital to assets | 10.5906% | 3,295 |
| Core capital (leverage) ratio | 10.9176% | 2,311 |
| Tier 1 risk-based capital ratio | 13.9449% | 3,775 |
| Total risk-based capital ratio | 15.1970% | 3,731 |
| Memoranda: | ||
| Average total assets | $38,294,330 | 7,061 |
| Average earning assets | $36,088,330 | 6,999 |
| Average equity | $4,144,330 | 7,060 |
| Average total loans | $29,980,670 | 6,527 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1405% | 719 |
| Cost of funding earning assets | 1.4275% | 4,008 |
| Net interest margin | 4.7130% | 763 |
| Noninterest income to average assets | 0.2456% | 6,192 |
| Noninterest expense to average assets | 3.2674% | 2,647 |
| Loan and lease loss provision to assets | 0.3203% | 3,498 |
| Net operating income to assets | 1.0571% | 1,981 |
| Return on assets (ROA) | 1.0571% | 2,045 |
| Pretax return on assets | 1.0998% | 2,731 |
| Return on Equity (ROE) | 9.6574% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.6574% | 1,219 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7039% | 4,369 |
| Assets per employee ($millions) | 4.2458% | 3,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3723% | 4,567 |
| 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 | 76.7377% | 1,385 |
| Net loans and leases to deposits | 89.2253% | 2,030 |
| Net loans and leases to core deposits | 111.7237% | 1,182 |
| Total domestic deposits to total assets | 86.0044% | 3,151 |
| Equity capital to assets | 10.8605% | 2,883 |
| Core capital (leverage) ratio | 10.9945% | 2,235 |
| Tier 1 risk-based capital ratio | 13.9173% | 3,711 |
| Total risk-based capital ratio | 15.1682% | 3,672 |
| Memoranda: | ||
| Average total assets | $37,461,500 | 7,183 |
| Average earning assets | $35,306,500 | 7,117 |
| Average equity | $4,100,500 | 7,143 |
| Average total loans | $29,920,000 | 6,610 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1984% | 1,243 |
| Cost of funding earning assets | 2.0127% | 2,905 |
| Net interest margin | 4.1857% | 2,120 |
| Noninterest income to average assets | -0.0801% | 7,788 |
| Noninterest expense to average assets | 3.4267% | 2,590 |
| Loan and lease loss provision to assets | 0.2708% | 5,248 |
| Net operating income to assets | 0.1133% | 5,173 |
| Return on assets (ROA) | 0.1133% | 5,225 |
| Pretax return on assets | 0.1188% | 5,174 |
| Return on Equity (ROE) | 1.0242% | 5,224 |
| Retained earnings to average equity (ytd only) | 1.0242% | 4,319 |
| Net charge-offs to loans | 0.0999% | 6,136 |
| Credit loss provision to net charge-offs | 326.6667% | 1,001 |
| Earnings coverage of net charge-offs (x) | 4.7000% | 2,846 |
| Efficiency ratio | 89.7900% | 1,717 |
| Assets per employee ($millions) | 4.0790% | 3,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2554% | 5,019 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 80.9866% | 839 |
| Net loans and leases to deposits | 93.0693% | 1,727 |
| Net loans and leases to core deposits | 154.6235% | 420 |
| Total domestic deposits to total assets | 87.0175% | 2,496 |
| Equity capital to assets | 11.0348% | 2,684 |
| Core capital (leverage) ratio | 10.8673% | 2,305 |
| Tier 1 risk-based capital ratio | 13.0404% | 4,121 |
| Total risk-based capital ratio | 14.2617% | 4,080 |
| Memoranda: | ||
| Average total assets | $36,186,000 | 7,236 |
| Average earning assets | $33,686,000 | 7,200 |
| Average equity | $4,003,000 | 7,292 |
| Average total loans | $30,035,400 | 6,623 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2078% | 1,359 |
| Cost of funding earning assets | 2.1662% | 2,568 |
| Net interest margin | 4.0417% | 2,628 |
| Noninterest income to average assets | 0.2293% | 6,581 |
| Noninterest expense to average assets | 3.5760% | 2,076 |
| Loan and lease loss provision to assets | 0.2921% | 4,639 |
| Net operating income to assets | 0.1109% | 5,431 |
| Return on assets (ROA) | 0.1109% | 5,488 |
| Pretax return on assets | 0.1146% | 5,497 |
| Return on Equity (ROE) | 1.0023% | 5,498 |
| Retained earnings to average equity (ytd only) | 1.0023% | 4,753 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7864% | 1,708 |
| Assets per employee ($millions) | 4.1792% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 4,579 |
| Loan loss allowance to noncurrent loans | 292.4812% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 1.9355% | 3,442 |
| Noncurrent loans to loans | 0.4403% | 6,451 |
| Net loans and leases to total assets | 79.2678% | 1,333 |
| Net loans and leases to deposits | 93.9499% | 1,886 |
| Net loans and leases to core deposits | 159.8145% | 384 |
| Total domestic deposits to total assets | 84.3724% | 3,540 |
| Equity capital to assets | 10.7410% | 3,253 |
| Core capital (leverage) ratio | 11.0534% | 2,370 |
| Tier 1 risk-based capital ratio | 12.2314% | 4,761 |
| Total risk-based capital ratio | 13.4138% | 4,778 |
| Memoranda: | ||
| Average total assets | $36,054,750 | 7,306 |
| Average earning assets | $33,483,750 | 7,271 |
| Average equity | $3,991,000 | 7,363 |
| Average total loans | $30,017,000 | 6,681 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2583% | 1,312 |
| Cost of funding earning assets | 2.3954% | 1,987 |
| Net interest margin | 3.8629% | 3,278 |
| Noninterest income to average assets | 0.2139% | 6,770 |
| Noninterest expense to average assets | 3.7146% | 1,807 |
| Loan and lease loss provision to assets | 0.2251% | 4,777 |
| Net operating income to assets | -0.1351% | 6,076 |
| Return on assets (ROA) | -0.1351% | 6,106 |
| Pretax return on assets | -0.1407% | 6,057 |
| Return on Equity (ROE) | -1.2076% | 6,104 |
| Retained earnings to average equity (ytd only) | -1.2076% | 5,540 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7778% | 1,274 |
| Assets per employee ($millions) | 3.9674% | 3,745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1813% | 5,067 |
| Loan loss allowance to noncurrent loans | 261.1940% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 2.0416% | 3,141 |
| Noncurrent loans to loans | 0.4523% | 6,392 |
| Net loans and leases to total assets | 81.9951% | 959 |
| Net loans and leases to deposits | 97.8020% | 1,550 |
| Net loans and leases to core deposits | 186.2231% | 174 |
| Total domestic deposits to total assets | 83.8379% | 3,853 |
| Equity capital to assets | 11.1631% | 2,784 |
| Core capital (leverage) ratio | 10.9829% | 2,411 |
| Tier 1 risk-based capital ratio | 12.3502% | 4,641 |
| Total risk-based capital ratio | 13.4396% | 4,676 |
| Memoranda: | ||
| Average total assets | $35,535,330 | 7,388 |
| Average earning assets | $32,980,330 | 7,360 |
| Average equity | $3,974,670 | 7,427 |
| Average total loans | $29,954,670 | 6,735 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1267% | 1,845 |
| Cost of funding earning assets | 2.4799% | 1,990 |
| Net interest margin | 3.6469% | 4,114 |
| Noninterest income to average assets | 0.2370% | 6,563 |
| Noninterest expense to average assets | 4.1411% | 1,007 |
| Loan and lease loss provision to assets | 0.4513% | 2,665 |
| Net operating income to assets | -0.9365% | 7,214 |
| Return on assets (ROA) | -0.9365% | 7,240 |
| Pretax return on assets | -0.9704% | 7,142 |
| Return on Equity (ROE) | -8.3648% | 7,260 |
| Retained earnings to average equity (ytd only) | -8.3648% | 6,947 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 114.3302% | 727 |
| Assets per employee ($millions) | 4.0454% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 4,821 |
| Loan loss allowance to noncurrent loans | 261.1940% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 2.0023% | 2,904 |
| Noncurrent loans to loans | 0.4585% | 6,267 |
| Net loans and leases to total assets | 79.3073% | 1,516 |
| Net loans and leases to deposits | 94.2396% | 2,229 |
| Net loans and leases to core deposits | 179.4258% | 243 |
| Total domestic deposits to total assets | 84.1550% | 3,631 |
| Equity capital to assets | 10.7885% | 3,198 |
| Core capital (leverage) ratio | 10.8426% | 2,623 |
| Tier 1 risk-based capital ratio | 12.3413% | 4,665 |
| Total risk-based capital ratio | 13.4466% | 4,696 |
| Memoranda: | ||
| Average total assets | $35,449,500 | 7,429 |
| Average earning assets | $32,905,000 | 7,408 |
| Average equity | $3,969,000 | 7,467 |
| Average total loans | $30,118,000 | 6,756 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0678% | 973 |
| Cost of funding earning assets | 2.9345% | 2,122 |
| Net interest margin | 4.1333% | 2,571 |
| Noninterest income to average assets | 0.1590% | 7,284 |
| Noninterest expense to average assets | 3.4461% | 2,540 |
| Loan and lease loss provision to assets | 0.2354% | 4,543 |
| Net operating income to assets | 0.3211% | 5,475 |
| Return on assets (ROA) | 0.3211% | 5,293 |
| Pretax return on assets | 0.3364% | 5,426 |
| Return on Equity (ROE) | 2.6495% | 5,362 |
| Retained earnings to average equity (ytd only) | 2.6495% | 3,531 |
| Net charge-offs to loans | 0.1592% | 4,601 |
| Credit loss provision to net charge-offs | 171.1111% | 2,989 |
| Earnings coverage of net charge-offs (x) | 4.1556% | 4,084 |
| Efficiency ratio | 85.7686% | 1,879 |
| Assets per employee ($millions) | 3.4490% | 4,797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 6,063 |
| Loan loss allowance to noncurrent loans | 49.8392% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 1.8034% | 2,725 |
| Noncurrent loans to loans | 2.0057% | 2,755 |
| Net loans and leases to total assets | 89.0142% | 280 |
| Net loans and leases to deposits | 106.8939% | 1,051 |
| Net loans and leases to core deposits | 201.7414% | 162 |
| Total domestic deposits to total assets | 83.2734% | 3,663 |
| Equity capital to assets | 11.6266% | 2,549 |
| Core capital (leverage) ratio | 11.5641% | 2,211 |
| Tier 1 risk-based capital ratio | 12.3903% | 4,514 |
| Total risk-based capital ratio | 13.3519% | 4,621 |
| Memoranda: | ||
| Average total assets | $32,704,000 | 7,524 |
| Average earning assets | $30,532,800 | 7,491 |
| Average equity | $3,963,000 | 7,525 |
| Average total loans | $28,265,800 | 6,823 |