Home > Schwertner State Bank > Performance and Condition Ratios
Schwertner State Bank, Performance and Condition Ratios
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8411% | 5,934 |
| Cost of funding earning assets | 0.2474% | 4,909 |
| Net interest margin | 2.5937% | 5,838 |
| Noninterest income to average assets | 0.3731% | 4,268 |
| Noninterest expense to average assets | 3.8701% | 770 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.2781% | 6,207 |
| Return on assets (ROA) | -1.2781% | 6,207 |
| Pretax return on assets | -1.1840% | 6,200 |
| Return on Equity (ROE) | -10.7786% | 6,189 |
| Retained earnings to average equity (ytd only) | -10.7786% | 6,137 |
| Net charge-offs to loans | -0.1548% | 5,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.0821% | 45 |
| Assets per employee ($millions) | 3.5288% | 4,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7059% | 5,718 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 23.5843% | 6,100 |
| Net loans and leases to deposits | 26.5210% | 6,124 |
| Net loans and leases to core deposits | 27.1851% | 6,124 |
| Total domestic deposits to total assets | 88.9269% | 1,063 |
| Equity capital to assets | 10.8653% | 3,175 |
| Core capital (leverage) ratio | 11.0945% | 2,392 |
| Tier 1 risk-based capital ratio | 28.5461% | 591 |
| Total risk-based capital ratio | 28.9795% | 621 |
| Memoranda: | ||
| Average total assets | $41,100,750 | 5,817 |
| Average earning assets | $36,651,500 | 5,831 |
| Average equity | $4,873,750 | 5,758 |
| Average total loans | $10,337,250 | 6,087 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7236% | 6,067 |
| Cost of funding earning assets | 0.2343% | 5,103 |
| Net interest margin | 2.4892% | 5,971 |
| Noninterest income to average assets | 0.9291% | 1,359 |
| Noninterest expense to average assets | 2.6594% | 3,721 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4080% | 5,113 |
| Return on assets (ROA) | 0.4080% | 5,220 |
| Pretax return on assets | 0.6194% | 4,930 |
| Return on Equity (ROE) | 3.3436% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.3436% | 3,918 |
| Net charge-offs to loans | -0.2301% | 6,062 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1094% | 1,606 |
| Assets per employee ($millions) | 3.2005% | 5,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6896% | 5,836 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 24.5758% | 6,151 |
| Net loans and leases to deposits | 27.9593% | 6,169 |
| Net loans and leases to core deposits | 28.7931% | 6,173 |
| Total domestic deposits to total assets | 87.8984% | 1,699 |
| Equity capital to assets | 11.8829% | 2,117 |
| Core capital (leverage) ratio | 12.6572% | 1,310 |
| Tier 1 risk-based capital ratio | 31.9568% | 460 |
| Total risk-based capital ratio | 32.3971% | 483 |
| Memoranda: | ||
| Average total assets | $40,685,670 | 5,891 |
| Average earning assets | $38,405,670 | 5,853 |
| Average equity | $4,964,670 | 5,787 |
| Average total loans | $10,430,330 | 6,156 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8355% | 6,045 |
| Cost of funding earning assets | 0.2415% | 5,112 |
| Net interest margin | 2.5940% | 5,930 |
| Noninterest income to average assets | 0.9546% | 1,222 |
| Noninterest expense to average assets | 2.8241% | 3,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3878% | 5,119 |
| Return on assets (ROA) | 0.3878% | 5,236 |
| Pretax return on assets | 0.5867% | 4,951 |
| Return on Equity (ROE) | 3.1357% | 5,319 |
| Retained earnings to average equity (ytd only) | 3.1357% | 4,101 |
| Net charge-offs to loans | -0.4573% | 6,227 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7988% | 1,522 |
| Assets per employee ($millions) | 3.0895% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6949% | 5,914 |
| 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 | 25.2639% | 6,190 |
| Net loans and leases to deposits | 28.9567% | 6,209 |
| Net loans and leases to core deposits | 29.8582% | 6,214 |
| Total domestic deposits to total assets | 87.2473% | 2,243 |
| Equity capital to assets | 12.5486% | 1,664 |
| Core capital (leverage) ratio | 12.9718% | 1,164 |
| Tier 1 risk-based capital ratio | 33.0916% | 420 |
| Total risk-based capital ratio | 33.5514% | 441 |
| Memoranda: | ||
| Average total assets | $40,225,500 | 5,956 |
| Average earning assets | $38,088,000 | 5,921 |
| Average equity | $4,975,000 | 5,839 |
| Average total loans | $10,497,500 | 6,221 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8458% | 6,173 |
| Cost of funding earning assets | 0.2508% | 5,315 |
| Net interest margin | 2.5950% | 6,082 |
| Noninterest income to average assets | 0.9277% | 1,420 |
| Noninterest expense to average assets | 2.7979% | 3,491 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4440% | 5,045 |
| Return on assets (ROA) | 0.4440% | 5,133 |
| Pretax return on assets | 0.5680% | 5,040 |
| Return on Equity (ROE) | 3.8813% | 5,168 |
| Retained earnings to average equity (ytd only) | 3.8813% | 3,458 |
| Net charge-offs to loans | 0.0215% | 4,410 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 114.5000% | 463 |
| Efficiency ratio | 83.1245% | 1,505 |
| Assets per employee ($millions) | 3.3573% | 5,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5475% | 6,205 |
| 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 | 26.6041% | 6,267 |
| Net loans and leases to deposits | 30.4212% | 6,288 |
| Net loans and leases to core deposits | 31.3621% | 6,291 |
| Total domestic deposits to total assets | 87.4525% | 2,059 |
| Equity capital to assets | 12.1876% | 1,874 |
| Core capital (leverage) ratio | 11.9627% | 1,649 |
| Tier 1 risk-based capital ratio | 29.7262% | 522 |
| Total risk-based capital ratio | 30.0721% | 561 |
| Memoranda: | ||
| Average total assets | $40,316,600 | 6,030 |
| Average earning assets | $37,880,200 | 5,989 |
| Average equity | $4,611,800 | 5,957 |
| Average total loans | $9,286,400 | 6,335 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7905% | 6,285 |
| Cost of funding earning assets | 0.2505% | 5,403 |
| Net interest margin | 2.5400% | 6,196 |
| Noninterest income to average assets | 1.0118% | 1,197 |
| Noninterest expense to average assets | 2.8469% | 3,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4563% | 5,048 |
| Return on assets (ROA) | 0.4563% | 5,133 |
| Pretax return on assets | 0.5456% | 5,192 |
| Return on Equity (ROE) | 4.0553% | 5,150 |
| Retained earnings to average equity (ytd only) | 4.0553% | 3,762 |
| Net charge-offs to loans | 0.0149% | 4,258 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 165.4060% | 380 |
| Efficiency ratio | 83.9181% | 1,394 |
| Assets per employee ($millions) | 3.4396% | 4,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6361% | 6,181 |
| Loan loss allowance to noncurrent loans | 29.8507% | 5,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4870% | 4,424 |
| Noncurrent loans to loans | 2.1308% | 1,456 |
| Net loans and leases to total assets | 22.7087% | 6,409 |
| Net loans and leases to deposits | 25.9209% | 6,429 |
| Net loans and leases to core deposits | 26.7007% | 6,428 |
| Total domestic deposits to total assets | 87.6075% | 1,973 |
| Equity capital to assets | 11.4525% | 2,531 |
| Core capital (leverage) ratio | 12.2402% | 1,553 |
| Tier 1 risk-based capital ratio | 29.6057% | 550 |
| Total risk-based capital ratio | 29.9588% | 588 |
| Memoranda: | ||
| Average total assets | $40,324,000 | 6,104 |
| Average earning assets | $37,794,500 | 6,062 |
| Average equity | $4,537,250 | 6,039 |
| Average total loans | $8,913,750 | 6,416 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8423% | 6,303 |
| Cost of funding earning assets | 0.2404% | 5,580 |
| Net interest margin | 2.6019% | 6,168 |
| Noninterest income to average assets | 1.0948% | 993 |
| Noninterest expense to average assets | 2.8945% | 3,183 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5649% | 4,523 |
| Return on assets (ROA) | 0.5649% | 4,627 |
| Pretax return on assets | 0.6349% | 4,836 |
| Return on Equity (ROE) | 5.0514% | 4,645 |
| Retained earnings to average equity (ytd only) | 5.0514% | 2,928 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0113% | 1,744 |
| Assets per employee ($millions) | 3.3778% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7056% | 6,163 |
| Loan loss allowance to noncurrent loans | 30.3030% | 5,775 |
| Noncurrent assets plus other real estate owned to assets | 0.4885% | 4,546 |
| Noncurrent loans to loans | 2.3283% | 1,388 |
| Net loans and leases to total assets | 20.8324% | 6,495 |
| Net loans and leases to deposits | 23.6480% | 6,515 |
| Net loans and leases to core deposits | 24.1817% | 6,518 |
| Total domestic deposits to total assets | 88.0937% | 1,855 |
| Equity capital to assets | 11.6818% | 2,253 |
| Core capital (leverage) ratio | 12.5700% | 1,358 |
| Tier 1 risk-based capital ratio | 31.3420% | 471 |
| Total risk-based capital ratio | 31.7177% | 497 |
| Memoranda: | ||
| Average total assets | $40,007,000 | 6,173 |
| Average earning assets | $37,434,670 | 6,129 |
| Average equity | $4,474,000 | 6,098 |
| Average total loans | $8,740,670 | 6,482 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9040% | 6,323 |
| Cost of funding earning assets | 0.2474% | 5,605 |
| Net interest margin | 2.6566% | 6,169 |
| Noninterest income to average assets | 1.0366% | 1,047 |
| Noninterest expense to average assets | 2.9287% | 3,123 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4529% | 4,921 |
| Return on assets (ROA) | 0.4529% | 4,994 |
| Pretax return on assets | 0.5938% | 4,853 |
| Return on Equity (ROE) | 4.1441% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.1441% | 3,646 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1429% | 1,777 |
| Assets per employee ($millions) | 3.2887% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7522% | 6,192 |
| Loan loss allowance to noncurrent loans | 30.8081% | 5,838 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 4,644 |
| Noncurrent loans to loans | 2.4414% | 1,431 |
| Net loans and leases to total assets | 20.3958% | 6,569 |
| Net loans and leases to deposits | 23.0650% | 6,590 |
| Net loans and leases to core deposits | 23.5979% | 6,588 |
| Total domestic deposits to total assets | 88.4274% | 1,976 |
| Equity capital to assets | 11.3040% | 2,418 |
| Core capital (leverage) ratio | 12.6160% | 1,334 |
| Tier 1 risk-based capital ratio | 30.9045% | 486 |
| Total risk-based capital ratio | 31.2864% | 520 |
| Memoranda: | ||
| Average total assets | $39,744,000 | 6,241 |
| Average earning assets | $37,190,500 | 6,197 |
| Average equity | $4,343,500 | 6,172 |
| Average total loans | $8,859,000 | 6,550 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7073% | 6,543 |
| Cost of funding earning assets | 0.3453% | 5,194 |
| Net interest margin | 2.3620% | 6,477 |
| Noninterest income to average assets | 1.1083% | 1,143 |
| Noninterest expense to average assets | 2.9358% | 3,252 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3452% | 5,354 |
| Return on assets (ROA) | 0.4042% | 5,241 |
| Pretax return on assets | 0.4612% | 5,319 |
| Return on Equity (ROE) | 3.6433% | 5,261 |
| Retained earnings to average equity (ytd only) | 3.6433% | 3,632 |
| Net charge-offs to loans | 0.0206% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 79.5000% | 550 |
| Efficiency ratio | 88.1608% | 1,196 |
| Assets per employee ($millions) | 3.3353% | 5,216 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6349% | 6,436 |
| Loan loss allowance to noncurrent loans | 32.1053% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4747% | 4,814 |
| Noncurrent loans to loans | 1.9775% | 2,015 |
| Net loans and leases to total assets | 23.8532% | 6,610 |
| Net loans and leases to deposits | 26.7513% | 6,631 |
| Net loans and leases to core deposits | 27.3553% | 6,634 |
| Total domestic deposits to total assets | 89.1665% | 1,509 |
| Equity capital to assets | 10.5587% | 3,085 |
| Core capital (leverage) ratio | 11.9893% | 1,615 |
| Tier 1 risk-based capital ratio | 26.6929% | 716 |
| Total risk-based capital ratio | 27.0257% | 773 |
| Memoranda: | ||
| Average total assets | $40,330,400 | 6,278 |
| Average earning assets | $37,933,800 | 6,223 |
| Average equity | $4,474,000 | 6,211 |
| Average total loans | $9,686,200 | 6,606 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5931% | 6,667 |
| Cost of funding earning assets | 0.3679% | 5,119 |
| Net interest margin | 2.2252% | 6,631 |
| Noninterest income to average assets | 1.2011% | 1,014 |
| Noninterest expense to average assets | 2.8278% | 3,566 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.3050% | 5,600 |
| Return on assets (ROA) | 0.3630% | 5,530 |
| Pretax return on assets | 0.5576% | 5,178 |
| Return on Equity (ROE) | 3.2332% | 5,520 |
| Retained earnings to average equity (ytd only) | 3.2332% | 4,381 |
| Net charge-offs to loans | 0.0275% | 4,573 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 70.9101% | 660 |
| Efficiency ratio | 85.7858% | 1,379 |
| Assets per employee ($millions) | 3.1942% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7079% | 6,427 |
| Loan loss allowance to noncurrent loans | 32.1053% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 0.4576% | 5,056 |
| Noncurrent loans to loans | 2.2049% | 2,008 |
| Net loans and leases to total assets | 20.6050% | 6,741 |
| Net loans and leases to deposits | 23.2008% | 6,764 |
| Net loans and leases to core deposits | 24.1893% | 6,759 |
| Total domestic deposits to total assets | 88.8113% | 1,666 |
| Equity capital to assets | 10.8588% | 2,905 |
| Core capital (leverage) ratio | 11.9053% | 1,734 |
| Tier 1 risk-based capital ratio | 27.8097% | 646 |
| Total risk-based capital ratio | 28.1602% | 699 |
| Memoranda: | ||
| Average total assets | $40,407,000 | 6,349 |
| Average earning assets | $38,048,750 | 6,298 |
| Average equity | $4,536,000 | 6,274 |
| Average total loans | $9,705,750 | 6,679 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5580% | 6,715 |
| Cost of funding earning assets | 0.3813% | 5,121 |
| Net interest margin | 2.1767% | 6,694 |
| Noninterest income to average assets | 1.3788% | 822 |
| Noninterest expense to average assets | 2.7826% | 3,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4255% | 5,125 |
| Return on assets (ROA) | 0.5146% | 4,910 |
| Pretax return on assets | 0.7843% | 4,372 |
| Return on Equity (ROE) | 4.5325% | 4,982 |
| Retained earnings to average equity (ytd only) | 4.5325% | 3,385 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0771% | 2,016 |
| Assets per employee ($millions) | 3.3877% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5920% | 6,625 |
| Loan loss allowance to noncurrent loans | 29.4393% | 6,042 |
| Noncurrent assets plus other real estate owned to assets | 0.5264% | 4,949 |
| Noncurrent loans to loans | 2.0111% | 2,387 |
| Net loans and leases to total assets | 26.0209% | 6,686 |
| Net loans and leases to deposits | 29.1863% | 6,717 |
| Net loans and leases to core deposits | 30.4491% | 6,709 |
| Total domestic deposits to total assets | 89.1543% | 1,538 |
| Equity capital to assets | 10.4152% | 3,409 |
| Core capital (leverage) ratio | 12.5104% | 1,354 |
| Tier 1 risk-based capital ratio | 25.2759% | 846 |
| Total risk-based capital ratio | 25.6055% | 938 |
| Memoranda: | ||
| Average total assets | $40,034,670 | 6,398 |
| Average earning assets | $37,763,330 | 6,354 |
| Average equity | $4,545,000 | 6,322 |
| Average total loans | $10,068,670 | 6,703 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5816% | 6,789 |
| Cost of funding earning assets | 0.3825% | 5,261 |
| Net interest margin | 2.1992% | 6,756 |
| Noninterest income to average assets | 1.4499% | 734 |
| Noninterest expense to average assets | 2.7589% | 3,833 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5034% | 4,639 |
| Return on assets (ROA) | 0.5034% | 4,787 |
| Pretax return on assets | 0.7753% | 4,275 |
| Return on Equity (ROE) | 4.2549% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.2549% | 3,678 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0627% | 2,599 |
| Assets per employee ($millions) | 3.2761% | 5,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7237% | 6,560 |
| Loan loss allowance to noncurrent loans | 33.1579% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 0.4833% | 5,176 |
| Noncurrent loans to loans | 2.1827% | 2,407 |
| Net loans and leases to total assets | 21.9826% | 6,819 |
| Net loans and leases to deposits | 25.1411% | 6,842 |
| Net loans and leases to core deposits | 26.2795% | 6,832 |
| Total domestic deposits to total assets | 87.4367% | 2,667 |
| Equity capital to assets | 11.9859% | 2,055 |
| Core capital (leverage) ratio | 12.2423% | 1,442 |
| Tier 1 risk-based capital ratio | 25.6232% | 826 |
| Total risk-based capital ratio | 25.9609% | 915 |
| Memoranda: | ||
| Average total assets | $39,726,000 | 6,467 |
| Average earning assets | $37,650,500 | 6,418 |
| Average equity | $4,700,500 | 6,335 |
| Average total loans | $9,782,500 | 6,780 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4391% | 6,948 |
| Cost of funding earning assets | 0.5999% | 4,357 |
| Net interest margin | 1.8392% | 6,954 |
| Noninterest income to average assets | 1.2073% | 1,080 |
| Noninterest expense to average assets | 2.7850% | 4,083 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0699% | 6,058 |
| Return on assets (ROA) | 0.4543% | 5,112 |
| Pretax return on assets | 0.6098% | 4,968 |
| Return on Equity (ROE) | 3.9858% | 5,149 |
| Retained earnings to average equity (ytd only) | 3.9858% | 3,398 |
| Net charge-offs to loans | -0.0102% | 6,467 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9495% | 754 |
| Assets per employee ($millions) | 3.3449% | 5,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5801% | 6,781 |
| Loan loss allowance to noncurrent loans | 29.7170% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 0.5282% | 5,160 |
| Noncurrent loans to loans | 1.9521% | 2,746 |
| Net loans and leases to total assets | 26.8990% | 6,787 |
| Net loans and leases to deposits | 30.6829% | 6,813 |
| Net loans and leases to core deposits | 32.0329% | 6,810 |
| Total domestic deposits to total assets | 87.6679% | 2,435 |
| Equity capital to assets | 11.6819% | 2,286 |
| Core capital (leverage) ratio | 11.2493% | 2,056 |
| Tier 1 risk-based capital ratio | 22.8719% | 1,130 |
| Total risk-based capital ratio | 23.1766% | 1,245 |
| Memoranda: | ||
| Average total assets | $40,502,000 | 6,486 |
| Average earning assets | $38,006,200 | 6,429 |
| Average equity | $4,616,400 | 6,408 |
| Average total loans | $9,804,200 | 6,858 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3037% | 7,079 |
| Cost of funding earning assets | 0.6321% | 4,344 |
| Net interest margin | 1.6716% | 7,091 |
| Noninterest income to average assets | 1.1529% | 1,147 |
| Noninterest expense to average assets | 2.8576% | 3,762 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.1380% | 6,442 |
| Return on assets (ROA) | 0.1478% | 6,193 |
| Pretax return on assets | 0.1445% | 6,211 |
| Return on Equity (ROE) | 1.3048% | 6,193 |
| Retained earnings to average equity (ytd only) | 1.3048% | 5,653 |
| Net charge-offs to loans | -0.0280% | 6,566 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1995% | 401 |
| Assets per employee ($millions) | 3.5718% | 4,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6091% | 6,852 |
| Loan loss allowance to noncurrent loans | 36.1582% | 5,840 |
| Noncurrent assets plus other real estate owned to assets | 0.4130% | 5,657 |
| Noncurrent loans to loans | 1.6844% | 3,269 |
| Net loans and leases to total assets | 24.3666% | 6,961 |
| Net loans and leases to deposits | 27.4799% | 6,990 |
| Net loans and leases to core deposits | 29.1455% | 6,979 |
| Total domestic deposits to total assets | 88.6706% | 1,611 |
| Equity capital to assets | 10.9164% | 3,361 |
| Core capital (leverage) ratio | 10.9777% | 2,408 |
| Tier 1 risk-based capital ratio | 22.6138% | 1,237 |
| Total risk-based capital ratio | 22.9296% | 1,364 |
| Memoranda: | ||
| Average total assets | $40,592,750 | 6,567 |
| Average earning assets | $37,966,250 | 6,512 |
| Average equity | $4,598,250 | 6,491 |
| Average total loans | $9,540,250 | 6,957 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2002% | 7,163 |
| Cost of funding earning assets | 0.6691% | 4,283 |
| Net interest margin | 1.5310% | 7,176 |
| Noninterest income to average assets | 1.1497% | 1,075 |
| Noninterest expense to average assets | 2.9872% | 3,305 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1858% | 6,523 |
| Return on assets (ROA) | -0.1858% | 6,607 |
| Pretax return on assets | -0.4016% | 6,702 |
| Return on Equity (ROE) | -1.6188% | 6,590 |
| Retained earnings to average equity (ytd only) | -1.6188% | 6,307 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.5340% | 262 |
| Assets per employee ($millions) | 3.2844% | 5,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6398% | 6,891 |
| 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 | 24.4310% | 7,022 |
| Net loans and leases to deposits | 27.7805% | 7,045 |
| Net loans and leases to core deposits | 29.3666% | 7,035 |
| Total domestic deposits to total assets | 87.9431% | 2,181 |
| Equity capital to assets | 11.5952% | 2,496 |
| Core capital (leverage) ratio | 11.1259% | 2,181 |
| Tier 1 risk-based capital ratio | 31.8564% | 445 |
| Total risk-based capital ratio | 32.2945% | 470 |
| Memoranda: | ||
| Average total assets | $39,836,330 | 6,635 |
| Average earning assets | $37,361,000 | 6,579 |
| Average equity | $4,571,330 | 6,524 |
| Average total loans | $9,217,670 | 7,028 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2182% | 7,223 |
| Cost of funding earning assets | 0.7039% | 4,246 |
| Net interest margin | 1.5144% | 7,237 |
| Noninterest income to average assets | 1.2185% | 966 |
| Noninterest expense to average assets | 2.6468% | 4,633 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0100% | 6,433 |
| Return on assets (ROA) | -0.0100% | 6,542 |
| Pretax return on assets | -0.0100% | 6,538 |
| Return on Equity (ROE) | -0.0875% | 6,541 |
| Retained earnings to average equity (ytd only) | -0.0875% | 6,000 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3788% | 542 |
| Assets per employee ($millions) | 3.4113% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7169% | 6,857 |
| 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 | 20.9747% | 7,127 |
| Net loans and leases to deposits | 23.7530% | 7,147 |
| Net loans and leases to core deposits | 25.2136% | 7,141 |
| Total domestic deposits to total assets | 88.3034% | 2,129 |
| Equity capital to assets | 11.2251% | 2,697 |
| Core capital (leverage) ratio | 11.1340% | 2,160 |
| Tier 1 risk-based capital ratio | 28.1467% | 629 |
| Total risk-based capital ratio | 28.5307% | 691 |
| Memoranda: | ||
| Average total assets | $40,048,000 | 6,682 |
| Average earning assets | $37,507,500 | 6,623 |
| Average equity | $4,572,000 | 6,555 |
| Average total loans | $8,981,000 | 7,099 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8088% | 7,223 |
| Cost of funding earning assets | 0.7269% | 5,359 |
| Net interest margin | 2.0819% | 7,206 |
| Noninterest income to average assets | 0.7780% | 2,177 |
| Noninterest expense to average assets | 2.6270% | 4,994 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0287% | 5,988 |
| Return on assets (ROA) | 0.1516% | 5,867 |
| Pretax return on assets | 0.2602% | 5,653 |
| Return on Equity (ROE) | 1.3298% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.3298% | 5,226 |
| Net charge-offs to loans | 0.1324% | 5,089 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | 2.4545% | 3,984 |
| Efficiency ratio | 97.4695% | 753 |
| Assets per employee ($millions) | 3.5601% | 4,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6657% | 6,947 |
| 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 | 23.6255% | 7,160 |
| Net loans and leases to deposits | 26.9126% | 7,181 |
| Net loans and leases to core deposits | 28.4275% | 7,173 |
| Total domestic deposits to total assets | 87.7863% | 2,285 |
| Equity capital to assets | 11.6161% | 2,411 |
| Core capital (leverage) ratio | 10.4322% | 2,807 |
| Tier 1 risk-based capital ratio | 27.2270% | 697 |
| Total risk-based capital ratio | 27.5984% | 741 |
| Memoranda: | ||
| Average total assets | $39,589,600 | 6,692 |
| Average earning assets | $36,457,200 | 6,658 |
| Average equity | $4,512,000 | 6,589 |
| Average total loans | $8,306,000 | 7,171 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9772% | 7,267 |
| Cost of funding earning assets | 0.7095% | 5,702 |
| Net interest margin | 2.2676% | 7,229 |
| Noninterest income to average assets | 0.7557% | 2,283 |
| Noninterest expense to average assets | 2.5358% | 5,331 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.2412% | 5,589 |
| Return on assets (ROA) | 0.4266% | 5,066 |
| Pretax return on assets | 0.5340% | 5,028 |
| Return on Equity (ROE) | 3.7606% | 5,102 |
| Retained earnings to average equity (ytd only) | 3.7606% | 4,070 |
| Net charge-offs to loans | -0.0332% | 6,981 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3491% | 1,210 |
| Assets per employee ($millions) | 4.3019% | 3,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 6,704 |
| Loan loss allowance to noncurrent loans | 576.9231% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 6,984 |
| Noncurrent loans to loans | 0.1487% | 6,574 |
| Net loans and leases to total assets | 20.1492% | 7,283 |
| Net loans and leases to deposits | 22.6786% | 7,304 |
| Net loans and leases to core deposits | 23.7929% | 7,295 |
| Total domestic deposits to total assets | 88.8468% | 1,520 |
| Equity capital to assets | 10.8650% | 3,275 |
| Core capital (leverage) ratio | 11.2504% | 2,192 |
| Tier 1 risk-based capital ratio | 27.9549% | 663 |
| Total risk-based capital ratio | 28.4121% | 711 |
| Memoranda: | ||
| Average total assets | $39,696,750 | 6,742 |
| Average earning assets | $36,454,250 | 6,719 |
| Average equity | $4,502,750 | 6,638 |
| Average total loans | $8,054,000 | 7,253 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1049% | 7,312 |
| Cost of funding earning assets | 0.7279% | 5,788 |
| Net interest margin | 2.3770% | 7,244 |
| Noninterest income to average assets | 0.7463% | 2,276 |
| Noninterest expense to average assets | 2.6173% | 5,129 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.2415% | 5,591 |
| Return on assets (ROA) | 0.4094% | 5,056 |
| Pretax return on assets | 0.5027% | 5,065 |
| Return on Equity (ROE) | 3.5540% | 5,134 |
| Retained earnings to average equity (ytd only) | 3.5540% | 3,976 |
| Net charge-offs to loans | -0.0256% | 6,885 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8577% | 1,250 |
| Assets per employee ($millions) | 3.6185% | 4,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8692% | 6,731 |
| Loan loss allowance to noncurrent loans | 569.2308% | 595 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 7,016 |
| Noncurrent loans to loans | 0.1527% | 6,601 |
| Net loans and leases to total assets | 21.2039% | 7,353 |
| Net loans and leases to deposits | 24.1164% | 7,374 |
| Net loans and leases to core deposits | 25.0356% | 7,373 |
| Total domestic deposits to total assets | 87.9233% | 2,185 |
| Equity capital to assets | 11.5390% | 2,468 |
| Core capital (leverage) ratio | 11.8294% | 1,700 |
| Tier 1 risk-based capital ratio | 29.7858% | 547 |
| Total risk-based capital ratio | 30.2690% | 584 |
| Memoranda: | ||
| Average total assets | $38,589,330 | 6,840 |
| Average earning assets | $35,169,670 | 6,832 |
| Average equity | $4,445,670 | 6,699 |
| Average total loans | $7,824,330 | 7,334 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9014% | 7,417 |
| Cost of funding earning assets | 0.7371% | 5,938 |
| Net interest margin | 2.1644% | 7,370 |
| Noninterest income to average assets | 1.0637% | 1,163 |
| Noninterest expense to average assets | 2.6434% | 5,066 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3686% | 5,084 |
| Return on assets (ROA) | 0.3686% | 5,168 |
| Pretax return on assets | 0.3686% | 5,442 |
| Return on Equity (ROE) | 3.2022% | 5,282 |
| Retained earnings to average equity (ytd only) | 3.2022% | 4,253 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7622% | 1,547 |
| Assets per employee ($millions) | 3.4160% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 6,600 |
| Loan loss allowance to noncurrent loans | 561.5385% | 585 |
| Noncurrent assets plus other real estate owned to assets | 0.0346% | 7,078 |
| Noncurrent loans to loans | 0.1668% | 6,637 |
| Net loans and leases to total assets | 20.5477% | 7,420 |
| Net loans and leases to deposits | 23.4360% | 7,439 |
| Net loans and leases to core deposits | 24.3426% | 7,437 |
| Total domestic deposits to total assets | 87.6756% | 2,568 |
| Equity capital to assets | 11.6963% | 2,126 |
| Core capital (leverage) ratio | 12.1607% | 1,473 |
| Tier 1 risk-based capital ratio | 29.1387% | 564 |
| Total risk-based capital ratio | 29.6093% | 600 |
| Memoranda: | ||
| Average total assets | $37,982,000 | 6,904 |
| Average earning assets | $34,190,000 | 6,914 |
| Average equity | $4,372,000 | 6,759 |
| Average total loans | $7,479,500 | 7,402 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2837% | 7,448 |
| Cost of funding earning assets | 0.9041% | 6,161 |
| Net interest margin | 2.3796% | 7,331 |
| Noninterest income to average assets | 0.9727% | 1,596 |
| Noninterest expense to average assets | 2.8131% | 4,548 |
| Loan and lease loss provision to assets | 0.0993% | 6,153 |
| Net operating income to assets | 0.1106% | 5,563 |
| Return on assets (ROA) | 0.1106% | 5,707 |
| Pretax return on assets | 0.1503% | 5,598 |
| Return on Equity (ROE) | 0.8698% | 5,731 |
| Retained earnings to average equity (ytd only) | 0.8698% | 5,114 |
| Net charge-offs to loans | 0.4991% | 3,624 |
| Credit loss provision to net charge-offs | 92.1053% | 5,039 |
| Earnings coverage of net charge-offs (x) | 2.3158% | 3,988 |
| Efficiency ratio | 91.8519% | 1,193 |
| Assets per employee ($millions) | 3.4898% | 4,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0188% | 6,292 |
| Loan loss allowance to noncurrent loans | 608.3333% | 551 |
| Noncurrent assets plus other real estate owned to assets | 0.0313% | 7,164 |
| Noncurrent loans to loans | 0.1675% | 6,733 |
| Net loans and leases to total assets | 18.4745% | 7,531 |
| Net loans and leases to deposits | 21.0608% | 7,548 |
| Net loans and leases to core deposits | 21.6848% | 7,540 |
| Total domestic deposits to total assets | 87.7201% | 2,409 |
| Equity capital to assets | 11.3291% | 2,392 |
| Core capital (leverage) ratio | 11.8510% | 1,646 |
| Tier 1 risk-based capital ratio | 28.1421% | 597 |
| Total risk-based capital ratio | 28.6001% | 640 |
| Memoranda: | ||
| Average total assets | $35,263,400 | 7,034 |
| Average earning assets | $30,971,200 | 7,054 |
| Average equity | $4,483,600 | 6,822 |
| Average total loans | $7,614,000 | 7,479 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4981% | 7,534 |
| Cost of funding earning assets | 0.9492% | 6,180 |
| Net interest margin | 2.5488% | 7,346 |
| Noninterest income to average assets | 0.9705% | 1,547 |
| Noninterest expense to average assets | 2.9116% | 4,043 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3828% | 4,823 |
| Return on assets (ROA) | 0.3828% | 5,009 |
| Pretax return on assets | 0.3016% | 5,504 |
| Return on Equity (ROE) | 2.9221% | 5,251 |
| Retained earnings to average equity (ytd only) | 2.9221% | 4,378 |
| Net charge-offs to loans | -0.0172% | 7,334 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6137% | 1,239 |
| Assets per employee ($millions) | 3.3378% | 5,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9238% | 6,662 |
| Loan loss allowance to noncurrent loans | 641.6667% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 7,278 |
| Noncurrent loans to loans | 0.1440% | 6,886 |
| Net loans and leases to total assets | 22.4916% | 7,586 |
| Net loans and leases to deposits | 25.8483% | 7,619 |
| Net loans and leases to core deposits | 26.6087% | 7,616 |
| Total domestic deposits to total assets | 87.0138% | 2,522 |
| Equity capital to assets | 12.5722% | 1,824 |
| Core capital (leverage) ratio | 12.6089% | 1,366 |
| Tier 1 risk-based capital ratio | 29.1889% | 559 |
| Total risk-based capital ratio | 29.6834% | 586 |
| Memoranda: | ||
| Average total assets | $34,482,250 | 7,143 |
| Average earning assets | $30,340,000 | 7,163 |
| Average equity | $4,517,250 | 6,898 |
| Average total loans | $7,726,250 | 7,575 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2695% | 7,666 |
| Cost of funding earning assets | 0.9569% | 6,352 |
| Net interest margin | 2.3126% | 7,524 |
| Noninterest income to average assets | 0.9426% | 1,534 |
| Noninterest expense to average assets | 2.9759% | 3,803 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1838% | 5,621 |
| Return on assets (ROA) | 0.1838% | 5,739 |
| Pretax return on assets | 0.0296% | 6,104 |
| Return on Equity (ROE) | 1.3826% | 5,841 |
| Retained earnings to average equity (ytd only) | 1.3826% | 5,191 |
| Net charge-offs to loans | 0.0266% | 5,963 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,784 |
| Efficiency ratio | 99.0138% | 843 |
| Assets per employee ($millions) | 3.1333% | 5,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9043% | 6,744 |
| Loan loss allowance to noncurrent loans | 633.3333% | 519 |
| Noncurrent assets plus other real estate owned to assets | 0.0348% | 7,312 |
| Noncurrent loans to loans | 0.1428% | 6,971 |
| Net loans and leases to total assets | 24.1629% | 7,639 |
| Net loans and leases to deposits | 27.9510% | 7,668 |
| Net loans and leases to core deposits | 29.1668% | 7,666 |
| Total domestic deposits to total assets | 86.4475% | 2,848 |
| Equity capital to assets | 13.1202% | 1,521 |
| Core capital (leverage) ratio | 13.3024% | 1,116 |
| Tier 1 risk-based capital ratio | 28.2239% | 609 |
| Total risk-based capital ratio | 28.7029% | 655 |
| Memoranda: | ||
| Average total assets | $33,737,670 | 7,223 |
| Average earning assets | $30,096,000 | 7,224 |
| Average equity | $4,484,330 | 6,941 |
| Average total loans | $7,523,330 | 7,642 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9693% | 7,815 |
| Cost of funding earning assets | 0.9147% | 6,714 |
| Net interest margin | 2.0547% | 7,705 |
| Noninterest income to average assets | 0.9229% | 1,546 |
| Noninterest expense to average assets | 2.9365% | 3,926 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1558% | 5,835 |
| Return on assets (ROA) | 0.1558% | 5,960 |
| Pretax return on assets | -0.1558% | 6,511 |
| Return on Equity (ROE) | 1.1645% | 6,076 |
| Retained earnings to average equity (ytd only) | 1.1645% | 5,352 |
| Net charge-offs to loans | -0.4518% | 7,788 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.6034% | 687 |
| Assets per employee ($millions) | 3.2773% | 5,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1747% | 5,634 |
| Loan loss allowance to noncurrent loans | 1,200.0000% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0214% | 7,436 |
| Noncurrent loans to loans | 0.0979% | 7,148 |
| Net loans and leases to total assets | 21.5635% | 7,765 |
| Net loans and leases to deposits | 25.1835% | 7,788 |
| Net loans and leases to core deposits | 25.1835% | 7,796 |
| Total domestic deposits to total assets | 85.6254% | 3,353 |
| Equity capital to assets | 13.6820% | 1,251 |
| Core capital (leverage) ratio | 13.8591% | 991 |
| Tier 1 risk-based capital ratio | 31.5730% | 450 |
| Total risk-based capital ratio | 32.1676% | 470 |
| Memoranda: | ||
| Average total assets | $33,373,500 | 7,331 |
| Average earning assets | $30,175,000 | 7,311 |
| Average equity | $4,465,500 | 7,014 |
| Average total loans | $7,083,000 | 7,756 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5897% | 7,814 |
| Cost of funding earning assets | 0.8634% | 7,465 |
| Net interest margin | 2.7263% | 7,172 |
| Noninterest income to average assets | 1.4381% | 708 |
| Noninterest expense to average assets | 3.0683% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6478% | 3,147 |
| Return on assets (ROA) | 0.6478% | 3,201 |
| Pretax return on assets | 0.8554% | 3,068 |
| Return on Equity (ROE) | 4.7519% | 3,774 |
| Retained earnings to average equity (ytd only) | 4.7519% | 1,944 |
| Net charge-offs to loans | 0.4792% | 3,866 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | 7.6667% | 2,097 |
| Efficiency ratio | 78.1991% | 3,160 |
| Assets per employee ($millions) | 3.3974% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,911 |
| 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 | 20.4215% | 7,861 |
| Net loans and leases to deposits | 23.6372% | 7,887 |
| Net loans and leases to core deposits | 26.9458% | 7,885 |
| Total domestic deposits to total assets | 86.3955% | 2,817 |
| Equity capital to assets | 13.0894% | 1,475 |
| Core capital (leverage) ratio | 13.9008% | 1,002 |
| Tier 1 risk-based capital ratio | 32.4717% | 430 |
| Total risk-based capital ratio | 33.0340% | 439 |
| Memoranda: | ||
| Average total assets | $32,265,200 | 7,388 |
| Average earning assets | $29,417,200 | 7,379 |
| Average equity | $4,398,200 | 7,143 |
| Average total loans | $7,513,000 | 7,803 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8597% | 7,849 |
| Cost of funding earning assets | 0.8903% | 7,578 |
| Net interest margin | 2.9694% | 6,687 |
| Noninterest income to average assets | 1.6709% | 525 |
| Noninterest expense to average assets | 2.9859% | 4,103 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.0009% | 2,050 |
| Return on assets (ROA) | 1.0009% | 2,113 |
| Pretax return on assets | 1.3945% | 1,711 |
| Return on Equity (ROE) | 7.2654% | 2,961 |
| Retained earnings to average equity (ytd only) | 7.2654% | 1,409 |
| Net charge-offs to loans | -0.2095% | 7,976 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1644% | 4,935 |
| Assets per employee ($millions) | 3.0409% | 6,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 2,406 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 22.7433% | 7,919 |
| Net loans and leases to deposits | 26.7979% | 7,938 |
| Net loans and leases to core deposits | 31.0051% | 7,943 |
| Total domestic deposits to total assets | 84.8696% | 3,300 |
| Equity capital to assets | 14.7292% | 1,087 |
| Core capital (leverage) ratio | 14.9674% | 865 |
| Tier 1 risk-based capital ratio | 34.1309% | 404 |
| Total risk-based capital ratio | 35.0758% | 401 |
| Memoranda: | ||
| Average total assets | $31,838,000 | 7,467 |
| Average earning assets | $29,051,750 | 7,459 |
| Average equity | $4,386,000 | 7,220 |
| Average total loans | $7,637,500 | 7,874 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2900% | 7,783 |
| Cost of funding earning assets | 0.8661% | 7,732 |
| Net interest margin | 3.4239% | 5,084 |
| Noninterest income to average assets | 2.0858% | 341 |
| Noninterest expense to average assets | 3.0141% | 4,026 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7639% | 504 |
| Return on assets (ROA) | 1.7639% | 543 |
| Pretax return on assets | 2.2034% | 357 |
| Return on Equity (ROE) | 13.0884% | 1,163 |
| Retained earnings to average equity (ytd only) | 13.0884% | 321 |
| Net charge-offs to loans | -0.3063% | 8,071 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7699% | 6,894 |
| Assets per employee ($millions) | 2.9659% | 6,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6224% | 2,644 |
| Loan loss allowance to noncurrent loans | 953.8462% | 373 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 7,490 |
| Noncurrent loans to loans | 0.1701% | 7,094 |
| Net loans and leases to total assets | 25.3515% | 7,970 |
| Net loans and leases to deposits | 30.0808% | 7,992 |
| Net loans and leases to core deposits | 34.0920% | 8,004 |
| Total domestic deposits to total assets | 84.2780% | 3,611 |
| Equity capital to assets | 15.2500% | 974 |
| Core capital (leverage) ratio | 15.0923% | 902 |
| Tier 1 risk-based capital ratio | 34.3145% | 437 |
| Total risk-based capital ratio | 35.2553% | 437 |
| Memoranda: | ||
| Average total assets | $32,314,330 | 7,519 |
| Average earning assets | $29,557,000 | 7,496 |
| Average equity | $4,355,000 | 7,291 |
| Average total loans | $7,836,670 | 7,951 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4937% | 7,723 |
| Cost of funding earning assets | 0.8806% | 7,834 |
| Net interest margin | 3.6131% | 4,267 |
| Noninterest income to average assets | 0.7610% | 2,534 |
| Noninterest expense to average assets | 2.8060% | 4,539 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7847% | 3,192 |
| Return on assets (ROA) | 0.7847% | 3,357 |
| Pretax return on assets | 1.2722% | 2,366 |
| Return on Equity (ROE) | 6.1812% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.1812% | 2,553 |
| Net charge-offs to loans | 0.3025% | 2,896 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 17.8333% | 1,490 |
| Efficiency ratio | 68.8047% | 4,817 |
| Assets per employee ($millions) | 3.1290% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3818% | 3,603 |
| Loan loss allowance to noncurrent loans | 54.9223% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 0.6168% | 5,642 |
| Noncurrent loans to loans | 2.5160% | 2,619 |
| Net loans and leases to total assets | 24.1771% | 8,032 |
| Net loans and leases to deposits | 28.1950% | 8,059 |
| Net loans and leases to core deposits | 31.7924% | 8,071 |
| Total domestic deposits to total assets | 85.7494% | 2,849 |
| Equity capital to assets | 13.7552% | 1,436 |
| Core capital (leverage) ratio | 13.1240% | 1,445 |
| Tier 1 risk-based capital ratio | 31.6843% | 548 |
| Total risk-based capital ratio | 32.4647% | 559 |
| Memoranda: | ||
| Average total assets | $33,642,000 | 7,507 |
| Average earning assets | $30,888,000 | 7,480 |
| Average equity | $4,271,000 | 7,358 |
| Average total loans | $7,933,500 | 7,997 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3894% | 7,475 |
| Cost of funding earning assets | 1.1660% | 7,968 |
| Net interest margin | 4.2234% | 2,214 |
| Noninterest income to average assets | 0.4505% | 5,035 |
| Noninterest expense to average assets | 2.9613% | 4,225 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9986% | 2,566 |
| Return on assets (ROA) | 0.9986% | 2,445 |
| Pretax return on assets | 1.3659% | 2,071 |
| Return on Equity (ROE) | 8.5407% | 2,819 |
| Retained earnings to average equity (ytd only) | 8.5407% | 697 |
| Net charge-offs to loans | 0.2921% | 3,450 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 17.6296% | 1,755 |
| Efficiency ratio | 68.4350% | 4,645 |
| Assets per employee ($millions) | 3.5994% | 4,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3787% | 3,315 |
| 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 | 22.4565% | 8,127 |
| Net loans and leases to deposits | 25.5662% | 8,159 |
| Net loans and leases to core deposits | 28.5740% | 8,160 |
| Total domestic deposits to total assets | 87.8369% | 1,542 |
| Equity capital to assets | 11.7742% | 2,453 |
| Core capital (leverage) ratio | 12.1394% | 1,906 |
| Tier 1 risk-based capital ratio | 27.6127% | 783 |
| Total risk-based capital ratio | 28.3490% | 801 |
| Memoranda: | ||
| Average total assets | $34,849,600 | 7,428 |
| Average earning assets | $31,988,800 | 7,407 |
| Average equity | $4,074,600 | 7,487 |
| Average total loans | $9,243,200 | 7,976 |