Home > State Bank of Drummond > Performance and Condition Ratios
State Bank of Drummond, Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4135% | 5,095 |
| Cost of funding earning assets | 0.1771% | 5,398 |
| Net interest margin | 3.2364% | 4,450 |
| Noninterest income to average assets | 0.4080% | 3,766 |
| Noninterest expense to average assets | 5.2679% | 237 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.8768% | 6,070 |
| Return on assets (ROA) | -1.8768% | 6,070 |
| Pretax return on assets | -1.8768% | 6,070 |
| Return on Equity (ROE) | -13.3130% | 6,043 |
| Retained earnings to average equity (ytd only) | -13.3130% | 5,881 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.3476% | 42 |
| Assets per employee ($millions) | 3.4164% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0528% | 751 |
| Loan loss allowance to noncurrent loans | 62.3355% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 1.6234% | 1,217 |
| Noncurrent loans to loans | 3.2931% | 445 |
| Net loans and leases to total assets | 40.7178% | 5,418 |
| Net loans and leases to deposits | 47.3131% | 5,452 |
| Net loans and leases to core deposits | 53.9145% | 5,258 |
| Total domestic deposits to total assets | 86.0604% | 2,649 |
| Equity capital to assets | 13.7752% | 1,065 |
| Core capital (leverage) ratio | 12.7632% | 1,249 |
| Tier 1 risk-based capital ratio | 30.6411% | 478 |
| Total risk-based capital ratio | 31.9116% | 470 |
| Memoranda: | ||
| Average total assets | $44,116,500 | 5,633 |
| Average earning assets | $40,662,000 | 5,624 |
| Average equity | $6,219,500 | 5,382 |
| Average total loans | $19,101,500 | 5,715 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7334% | 4,264 |
| Cost of funding earning assets | 0.1863% | 5,390 |
| Net interest margin | 3.5471% | 3,338 |
| Noninterest income to average assets | 0.5412% | 3,068 |
| Noninterest expense to average assets | 3.6995% | 980 |
| Loan and lease loss provision to assets | -0.2956% | 6,059 |
| Net operating income to assets | 0.4343% | 4,941 |
| Return on assets (ROA) | 0.4343% | 5,017 |
| Pretax return on assets | 0.3843% | 5,353 |
| Return on Equity (ROE) | 3.0448% | 5,289 |
| Retained earnings to average equity (ytd only) | 1.8173% | 4,693 |
| Net charge-offs to loans | 0.2585% | 1,170 |
| Credit loss provision to net charge-offs | -254.9020% | 5,317 |
| Earnings coverage of net charge-offs (x) | 0.7647% | 4,182 |
| Efficiency ratio | 97.6591% | 350 |
| Assets per employee ($millions) | 3.3708% | 5,038 |
| Cash dividends to net income (ytd only)* | 40.3141% | 2,823 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9200% | 920 |
| Loan loss allowance to noncurrent loans | 67.7996% | 4,441 |
| Noncurrent assets plus other real estate owned to assets | 1.5335% | 1,308 |
| Noncurrent loans to loans | 2.8318% | 595 |
| Net loans and leases to total assets | 44.1830% | 5,273 |
| Net loans and leases to deposits | 51.7563% | 5,297 |
| Net loans and leases to core deposits | 59.1374% | 5,036 |
| Total domestic deposits to total assets | 85.3674% | 2,917 |
| Equity capital to assets | 14.4249% | 788 |
| Core capital (leverage) ratio | 14.0581% | 802 |
| Tier 1 risk-based capital ratio | 30.3937% | 489 |
| Total risk-based capital ratio | 31.6614% | 482 |
| Memoranda: | ||
| Average total assets | $43,979,400 | 5,684 |
| Average earning assets | $40,258,200 | 5,671 |
| Average equity | $6,273,000 | 5,378 |
| Average total loans | $19,726,800 | 5,728 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7677% | 4,187 |
| Cost of funding earning assets | 0.1854% | 5,500 |
| Net interest margin | 3.5823% | 3,229 |
| Noninterest income to average assets | 0.5513% | 3,046 |
| Noninterest expense to average assets | 3.8043% | 847 |
| Loan and lease loss provision to assets | -0.3938% | 6,182 |
| Net operating income to assets | 0.3665% | 5,274 |
| Return on assets (ROA) | 0.3665% | 5,354 |
| Pretax return on assets | 0.4180% | 5,430 |
| Return on Equity (ROE) | 2.5767% | 5,528 |
| Retained earnings to average equity (ytd only) | 2.2785% | 4,747 |
| Net charge-offs to loans | 0.3448% | 763 |
| Credit loss provision to net charge-offs | -254.9020% | 5,229 |
| Earnings coverage of net charge-offs (x) | 0.1569% | 3,979 |
| Efficiency ratio | 99.3671% | 312 |
| Assets per employee ($millions) | 3.1529% | 5,360 |
| Cash dividends to net income (ytd only)* | 11.5726% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9758% | 948 |
| Loan loss allowance to noncurrent loans | 65.6304% | 4,534 |
| Noncurrent assets plus other real estate owned to assets | 1.5677% | 1,426 |
| Noncurrent loans to loans | 3.0105% | 584 |
| Net loans and leases to total assets | 42.7118% | 5,448 |
| Net loans and leases to deposits | 50.0943% | 5,465 |
| Net loans and leases to core deposits | 57.1719% | 5,244 |
| Total domestic deposits to total assets | 85.2628% | 2,903 |
| Equity capital to assets | 14.3634% | 896 |
| Core capital (leverage) ratio | 13.7583% | 924 |
| Tier 1 risk-based capital ratio | 30.9000% | 473 |
| Total risk-based capital ratio | 32.1698% | 468 |
| Memoranda: | ||
| Average total assets | $44,019,250 | 5,758 |
| Average earning assets | $40,271,000 | 5,743 |
| Average equity | $6,261,000 | 5,445 |
| Average total loans | $19,723,500 | 5,807 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8635% | 3,818 |
| Cost of funding earning assets | 0.1892% | 5,535 |
| Net interest margin | 3.6743% | 2,820 |
| Noninterest income to average assets | 0.5639% | 2,949 |
| Noninterest expense to average assets | 3.7154% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.2001% | 5,691 |
| Return on assets (ROA) | 0.2001% | 5,756 |
| Pretax return on assets | 0.2046% | 5,808 |
| Return on Equity (ROE) | 1.4115% | 5,813 |
| Retained earnings to average equity (ytd only) | 0.9624% | 5,183 |
| Net charge-offs to loans | 0.4626% | 550 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 0.9783% | 3,592 |
| Efficiency ratio | 94.7796% | 488 |
| Assets per employee ($millions) | 2.7554% | 5,861 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6281% | 412 |
| Loan loss allowance to noncurrent loans | 165.5949% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 1.2430% | 2,029 |
| Noncurrent loans to loans | 1.5871% | 1,654 |
| Net loans and leases to total assets | 43.2813% | 5,420 |
| Net loans and leases to deposits | 50.5644% | 5,473 |
| Net loans and leases to core deposits | 58.2039% | 5,180 |
| Total domestic deposits to total assets | 85.5963% | 2,878 |
| Equity capital to assets | 14.1451% | 937 |
| Core capital (leverage) ratio | 13.5835% | 963 |
| Tier 1 risk-based capital ratio | 29.8810% | 552 |
| Total risk-based capital ratio | 31.1601% | 542 |
| Memoranda: | ||
| Average total assets | $43,979,000 | 5,824 |
| Average earning assets | $40,170,670 | 5,806 |
| Average equity | $6,234,670 | 5,498 |
| Average total loans | $19,887,000 | 5,855 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9100% | 3,561 |
| Cost of funding earning assets | 0.1895% | 5,601 |
| Net interest margin | 3.7205% | 2,552 |
| Noninterest income to average assets | 0.4735% | 3,479 |
| Noninterest expense to average assets | 3.8064% | 871 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0546% | 5,948 |
| Return on assets (ROA) | 0.0546% | 5,992 |
| Pretax return on assets | 0.0637% | 5,986 |
| Return on Equity (ROE) | 0.3850% | 6,000 |
| Retained earnings to average equity (ytd only) | 0.3850% | 5,248 |
| Net charge-offs to loans | 0.9185% | 260 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.1522% | 3,098 |
| Efficiency ratio | 98.3529% | 419 |
| Assets per employee ($millions) | 2.7839% | 5,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6128% | 455 |
| Loan loss allowance to noncurrent loans | 147.9885% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 1.4233% | 1,861 |
| Noncurrent loans to loans | 1.7655% | 1,543 |
| Net loans and leases to total assets | 43.0954% | 5,419 |
| Net loans and leases to deposits | 50.2342% | 5,446 |
| Net loans and leases to core deposits | 57.6976% | 5,138 |
| Total domestic deposits to total assets | 85.7890% | 3,048 |
| Equity capital to assets | 14.0314% | 976 |
| Core capital (leverage) ratio | 12.9141% | 1,185 |
| Tier 1 risk-based capital ratio | 28.7376% | 606 |
| Total risk-based capital ratio | 30.0110% | 595 |
| Memoranda: | ||
| Average total assets | $43,925,500 | 5,872 |
| Average earning assets | $40,102,500 | 5,864 |
| Average equity | $6,234,000 | 5,546 |
| Average total loans | $20,032,500 | 5,897 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1123% | 3,281 |
| Cost of funding earning assets | 0.1895% | 5,838 |
| Net interest margin | 3.9228% | 2,147 |
| Noninterest income to average assets | 0.6146% | 2,774 |
| Noninterest expense to average assets | 3.8713% | 885 |
| Loan and lease loss provision to assets | 0.0518% | 3,520 |
| Net operating income to assets | 0.2920% | 5,538 |
| Return on assets (ROA) | 0.2920% | 5,606 |
| Pretax return on assets | 0.2496% | 5,789 |
| Return on Equity (ROE) | 1.9979% | 5,761 |
| Retained earnings to average equity (ytd only) | 1.1601% | 5,257 |
| Net charge-offs to loans | 0.3637% | 1,197 |
| Credit loss provision to net charge-offs | 29.3333% | 3,843 |
| Earnings coverage of net charge-offs (x) | 1.7067% | 4,351 |
| Efficiency ratio | 92.7765% | 661 |
| Assets per employee ($millions) | 2.7068% | 6,019 |
| Cash dividends to net income (ytd only)* | 41.9355% | 2,748 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7562% | 393 |
| Loan loss allowance to noncurrent loans | 115.4321% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 1.5078% | 1,807 |
| Noncurrent loans to loans | 2.3877% | 1,081 |
| Net loans and leases to total assets | 45.7029% | 5,355 |
| Net loans and leases to deposits | 53.4397% | 5,371 |
| Net loans and leases to core deposits | 61.7085% | 5,020 |
| Total domestic deposits to total assets | 85.5223% | 3,070 |
| Equity capital to assets | 14.3576% | 850 |
| Core capital (leverage) ratio | 14.4214% | 718 |
| Tier 1 risk-based capital ratio | 27.8569% | 623 |
| Total risk-based capital ratio | 29.1221% | 614 |
| Memoranda: | ||
| Average total assets | $42,466,200 | 5,971 |
| Average earning assets | $38,518,600 | 5,971 |
| Average equity | $6,206,400 | 5,578 |
| Average total loans | $20,620,000 | 5,938 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1417% | 3,201 |
| Cost of funding earning assets | 0.1881% | 5,938 |
| Net interest margin | 3.9536% | 2,023 |
| Noninterest income to average assets | 0.6311% | 2,681 |
| Noninterest expense to average assets | 3.8842% | 867 |
| Loan and lease loss provision to assets | 0.0473% | 3,430 |
| Net operating income to assets | 0.3376% | 5,464 |
| Return on assets (ROA) | 0.3376% | 5,538 |
| Pretax return on assets | 0.2808% | 5,804 |
| Return on Equity (ROE) | 2.2997% | 5,763 |
| Retained earnings to average equity (ytd only) | 1.6549% | 5,222 |
| Net charge-offs to loans | 0.2836% | 1,384 |
| Credit loss provision to net charge-offs | 34.0909% | 3,390 |
| Earnings coverage of net charge-offs (x) | 2.3634% | 3,935 |
| Efficiency ratio | 92.2097% | 698 |
| Assets per employee ($millions) | 2.5096% | 6,221 |
| Cash dividends to net income (ytd only)* | 28.0387% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8384% | 426 |
| Loan loss allowance to noncurrent loans | 62.7682% | 4,697 |
| Noncurrent assets plus other real estate owned to assets | 2.3955% | 1,127 |
| Noncurrent loans to loans | 4.5221% | 434 |
| Net loans and leases to total assets | 46.9365% | 5,299 |
| Net loans and leases to deposits | 55.0818% | 5,300 |
| Net loans and leases to core deposits | 63.1664% | 4,952 |
| Total domestic deposits to total assets | 85.2124% | 3,259 |
| Equity capital to assets | 14.6212% | 828 |
| Core capital (leverage) ratio | 13.8946% | 872 |
| Tier 1 risk-based capital ratio | 27.3732% | 684 |
| Total risk-based capital ratio | 28.6408% | 665 |
| Memoranda: | ||
| Average total assets | $42,255,750 | 6,048 |
| Average earning assets | $38,276,750 | 6,045 |
| Average equity | $6,203,500 | 5,638 |
| Average total loans | $20,686,500 | 5,996 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2195% | 2,882 |
| Cost of funding earning assets | 0.1839% | 6,042 |
| Net interest margin | 4.0356% | 1,703 |
| Noninterest income to average assets | 0.5793% | 2,935 |
| Noninterest expense to average assets | 3.8414% | 921 |
| Loan and lease loss provision to assets | 0.0095% | 4,045 |
| Net operating income to assets | 0.3181% | 5,504 |
| Return on assets (ROA) | 0.3181% | 5,582 |
| Pretax return on assets | 0.3751% | 5,624 |
| Return on Equity (ROE) | 2.1641% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.1951% | 5,276 |
| Net charge-offs to loans | 0.4249% | 959 |
| Credit loss provision to net charge-offs | 4.5455% | 3,365 |
| Earnings coverage of net charge-offs (x) | 1.8409% | 3,701 |
| Efficiency ratio | 90.8989% | 840 |
| Assets per employee ($millions) | 2.7752% | 6,058 |
| Cash dividends to net income (ytd only)* | 44.7761% | 2,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7728% | 482 |
| Loan loss allowance to noncurrent loans | 52.6219% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 3.0652% | 829 |
| Noncurrent loans to loans | 5.2693% | 363 |
| Net loans and leases to total assets | 48.1815% | 5,158 |
| Net loans and leases to deposits | 56.7962% | 5,137 |
| Net loans and leases to core deposits | 65.3940% | 4,693 |
| Total domestic deposits to total assets | 84.8323% | 3,592 |
| Equity capital to assets | 14.9202% | 717 |
| Core capital (leverage) ratio | 14.3231% | 752 |
| Tier 1 risk-based capital ratio | 26.7039% | 720 |
| Total risk-based capital ratio | 27.9713% | 706 |
| Memoranda: | ||
| Average total assets | $42,119,670 | 6,104 |
| Average earning assets | $38,061,330 | 6,109 |
| Average equity | $6,192,000 | 5,680 |
| Average total loans | $20,712,000 | 6,045 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4418% | 1,981 |
| Cost of funding earning assets | 0.1571% | 6,314 |
| Net interest margin | 4.2846% | 1,028 |
| Noninterest income to average assets | 0.6137% | 2,652 |
| Noninterest expense to average assets | 3.7578% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6043% | 4,182 |
| Return on assets (ROA) | 0.6043% | 4,257 |
| Pretax return on assets | 0.7176% | 4,426 |
| Return on Equity (ROE) | 4.1407% | 4,971 |
| Retained earnings to average equity (ytd only) | 4.1407% | 3,649 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9662% | 1,677 |
| Assets per employee ($millions) | 2.8682% | 6,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9903% | 443 |
| Loan loss allowance to noncurrent loans | 46.4097% | 5,347 |
| Noncurrent assets plus other real estate owned to assets | 3.2843% | 814 |
| Noncurrent loans to loans | 6.4433% | 258 |
| Net loans and leases to total assets | 46.2985% | 5,308 |
| Net loans and leases to deposits | 54.2412% | 5,263 |
| Net loans and leases to core deposits | 62.0704% | 4,872 |
| Total domestic deposits to total assets | 85.3567% | 3,692 |
| Equity capital to assets | 14.4597% | 800 |
| Core capital (leverage) ratio | 13.6605% | 930 |
| Tier 1 risk-based capital ratio | 27.1829% | 702 |
| Total risk-based capital ratio | 28.4532% | 686 |
| Memoranda: | ||
| Average total assets | $42,365,500 | 6,160 |
| Average earning assets | $38,183,000 | 6,163 |
| Average equity | $6,182,500 | 5,711 |
| Average total loans | $20,753,500 | 6,102 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8902% | 4,496 |
| Cost of funding earning assets | 0.1770% | 6,408 |
| Net interest margin | 3.7132% | 3,005 |
| Noninterest income to average assets | 0.5438% | 3,444 |
| Noninterest expense to average assets | 3.4790% | 1,706 |
| Loan and lease loss provision to assets | 0.1310% | 2,671 |
| Net operating income to assets | 0.2647% | 5,643 |
| Return on assets (ROA) | 0.1572% | 5,990 |
| Pretax return on assets | 0.1922% | 5,957 |
| Return on Equity (ROE) | 1.1577% | 6,053 |
| Retained earnings to average equity (ytd only) | 0.6914% | 5,524 |
| Net charge-offs to loans | 0.6033% | 1,088 |
| Credit loss provision to net charge-offs | 45.8015% | 3,920 |
| Earnings coverage of net charge-offs (x) | 1.5878% | 4,529 |
| Efficiency ratio | 88.4509% | 1,170 |
| Assets per employee ($millions) | 2.7805% | 6,136 |
| Cash dividends to net income (ytd only)* | 40.2778% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9274% | 514 |
| Loan loss allowance to noncurrent loans | 35.4095% | 5,772 |
| Noncurrent assets plus other real estate owned to assets | 4.3733% | 583 |
| Noncurrent loans to loans | 8.2674% | 178 |
| Net loans and leases to total assets | 48.8156% | 5,211 |
| Net loans and leases to deposits | 57.3683% | 5,179 |
| Net loans and leases to core deposits | 62.9133% | 4,978 |
| Total domestic deposits to total assets | 85.0916% | 3,696 |
| Equity capital to assets | 14.7310% | 725 |
| Core capital (leverage) ratio | 13.9533% | 832 |
| Tier 1 risk-based capital ratio | 26.8572% | 692 |
| Total risk-based capital ratio | 28.1254% | 674 |
| Memoranda: | ||
| Average total assets | $45,788,800 | 6,126 |
| Average earning assets | $41,797,000 | 6,118 |
| Average equity | $6,219,200 | 5,759 |
| Average total loans | $21,712,600 | 6,124 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8633% | 4,631 |
| Cost of funding earning assets | 0.1865% | 6,468 |
| Net interest margin | 3.6768% | 3,125 |
| Noninterest income to average assets | 0.5355% | 3,553 |
| Noninterest expense to average assets | 3.3953% | 1,835 |
| Loan and lease loss provision to assets | 0.1282% | 2,682 |
| Net operating income to assets | 0.3065% | 5,597 |
| Return on assets (ROA) | 0.1880% | 6,011 |
| Pretax return on assets | 0.2336% | 5,990 |
| Return on Equity (ROE) | 1.4107% | 6,095 |
| Retained earnings to average equity (ytd only) | 0.9618% | 5,595 |
| Net charge-offs to loans | 0.7916% | 746 |
| Credit loss provision to net charge-offs | 34.6154% | 3,811 |
| Earnings coverage of net charge-offs (x) | 1.3769% | 4,375 |
| Efficiency ratio | 86.9438% | 1,265 |
| Assets per employee ($millions) | 3.0649% | 5,746 |
| Cash dividends to net income (ytd only)* | 31.8182% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8423% | 650 |
| Loan loss allowance to noncurrent loans | 38.0952% | 5,699 |
| Noncurrent assets plus other real estate owned to assets | 3.6391% | 909 |
| Noncurrent loans to loans | 7.4609% | 258 |
| Net loans and leases to total assets | 44.6131% | 5,671 |
| Net loans and leases to deposits | 51.6235% | 5,736 |
| Net loans and leases to core deposits | 56.0306% | 5,621 |
| Total domestic deposits to total assets | 86.4203% | 3,011 |
| Equity capital to assets | 13.4448% | 1,140 |
| Core capital (leverage) ratio | 12.7847% | 1,291 |
| Tier 1 risk-based capital ratio | 26.8388% | 719 |
| Total risk-based capital ratio | 28.1058% | 703 |
| Memoranda: | ||
| Average total assets | $46,809,000 | 6,170 |
| Average earning assets | $42,898,500 | 6,150 |
| Average equity | $6,238,000 | 5,826 |
| Average total loans | $21,897,250 | 6,187 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9092% | 4,441 |
| Cost of funding earning assets | 0.1992% | 6,475 |
| Net interest margin | 3.7100% | 2,918 |
| Noninterest income to average assets | 0.6583% | 2,869 |
| Noninterest expense to average assets | 3.3682% | 1,892 |
| Loan and lease loss provision to assets | 0.1274% | 2,721 |
| Net operating income to assets | 0.4528% | 5,003 |
| Return on assets (ROA) | 0.2761% | 5,818 |
| Pretax return on assets | 0.3440% | 5,764 |
| Return on Equity (ROE) | 2.0777% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.4064% | 5,317 |
| Net charge-offs to loans | 1.0018% | 608 |
| Credit loss provision to net charge-offs | 27.0270% | 3,634 |
| Earnings coverage of net charge-offs (x) | 1.4685% | 4,048 |
| Efficiency ratio | 82.9498% | 1,763 |
| Assets per employee ($millions) | 2.7249% | 6,261 |
| Cash dividends to net income (ytd only)* | 32.3077% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8239% | 688 |
| Loan loss allowance to noncurrent loans | 36.7173% | 5,765 |
| Noncurrent assets plus other real estate owned to assets | 3.8750% | 920 |
| Noncurrent loans to loans | 7.6909% | 277 |
| Net loans and leases to total assets | 44.8697% | 5,652 |
| Net loans and leases to deposits | 51.9015% | 5,695 |
| Net loans and leases to core deposits | 57.0672% | 5,521 |
| Total domestic deposits to total assets | 86.4517% | 3,140 |
| Equity capital to assets | 13.3519% | 1,200 |
| Core capital (leverage) ratio | 12.8524% | 1,226 |
| Tier 1 risk-based capital ratio | 22.4182% | 1,216 |
| Total risk-based capital ratio | 23.6788% | 1,197 |
| Memoranda: | ||
| Average total assets | $47,087,670 | 6,207 |
| Average earning assets | $43,180,330 | 6,181 |
| Average equity | $6,257,000 | 5,864 |
| Average total loans | $22,159,670 | 6,215 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8929% | 4,500 |
| Cost of funding earning assets | 0.2209% | 6,470 |
| Net interest margin | 3.6720% | 2,978 |
| Noninterest income to average assets | 0.7499% | 2,338 |
| Noninterest expense to average assets | 3.4632% | 1,700 |
| Loan and lease loss provision to assets | 0.1264% | 2,653 |
| Net operating income to assets | 0.4129% | 5,080 |
| Return on assets (ROA) | 0.4129% | 5,230 |
| Pretax return on assets | 0.5224% | 5,196 |
| Return on Equity (ROE) | 3.1146% | 5,538 |
| Retained earnings to average equity (ytd only) | 3.1146% | 4,404 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2213% | 1,736 |
| Assets per employee ($millions) | 2.6989% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1733% | 559 |
| Loan loss allowance to noncurrent loans | 39.4144% | 5,632 |
| Noncurrent assets plus other real estate owned to assets | 4.0716% | 968 |
| Noncurrent loans to loans | 8.0511% | 324 |
| Net loans and leases to total assets | 43.9667% | 5,669 |
| Net loans and leases to deposits | 50.6221% | 5,738 |
| Net loans and leases to core deposits | 55.3729% | 5,571 |
| Total domestic deposits to total assets | 86.8526% | 3,046 |
| Equity capital to assets | 12.9868% | 1,430 |
| Core capital (leverage) ratio | 13.0885% | 1,082 |
| Tier 1 risk-based capital ratio | 22.0048% | 1,330 |
| Total risk-based capital ratio | 23.2699% | 1,299 |
| Memoranda: | ||
| Average total assets | $47,470,000 | 6,256 |
| Average earning assets | $43,463,500 | 6,230 |
| Average equity | $6,293,000 | 5,914 |
| Average total loans | $22,545,000 | 6,250 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5607% | 3,164 |
| Cost of funding earning assets | 0.2756% | 6,566 |
| Net interest margin | 4.2851% | 1,433 |
| Noninterest income to average assets | 0.6153% | 3,200 |
| Noninterest expense to average assets | 3.3603% | 2,150 |
| Loan and lease loss provision to assets | 0.1014% | 4,370 |
| Net operating income to assets | 0.9195% | 2,717 |
| Return on assets (ROA) | 0.9195% | 2,955 |
| Pretax return on assets | 1.0435% | 3,382 |
| Return on Equity (ROE) | 6.6322% | 3,846 |
| Retained earnings to average equity (ytd only) | 4.7953% | 2,854 |
| Net charge-offs to loans | 0.0541% | 5,177 |
| Credit loss provision to net charge-offs | 346.1538% | 708 |
| Earnings coverage of net charge-offs (x) | 39.0769% | 817 |
| Efficiency ratio | 74.5873% | 2,975 |
| Assets per employee ($millions) | 3.0907% | 5,855 |
| Cash dividends to net income (ytd only)* | 27.6961% | 3,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9743% | 681 |
| Loan loss allowance to noncurrent loans | 37.3297% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 5.3581% | 706 |
| Noncurrent loans to loans | 7.9675% | 364 |
| Net loans and leases to total assets | 48.2010% | 5,395 |
| Net loans and leases to deposits | 55.8594% | 5,458 |
| Net loans and leases to core deposits | 61.4154% | 5,217 |
| Total domestic deposits to total assets | 86.2899% | 3,208 |
| Equity capital to assets | 13.5397% | 1,212 |
| Core capital (leverage) ratio | 13.3577% | 1,001 |
| Tier 1 risk-based capital ratio | 21.7795% | 1,306 |
| Total risk-based capital ratio | 23.0454% | 1,278 |
| Memoranda: | ||
| Average total assets | $44,371,200 | 6,366 |
| Average earning assets | $40,279,200 | 6,353 |
| Average equity | $6,151,800 | 5,983 |
| Average total loans | $24,051,000 | 6,237 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6464% | 3,032 |
| Cost of funding earning assets | 0.2845% | 6,676 |
| Net interest margin | 4.3618% | 1,318 |
| Noninterest income to average assets | 0.6169% | 3,172 |
| Noninterest expense to average assets | 3.3975% | 2,006 |
| Loan and lease loss provision to assets | 0.1368% | 3,833 |
| Net operating income to assets | 0.8782% | 3,087 |
| Return on assets (ROA) | 0.8782% | 3,328 |
| Pretax return on assets | 1.0423% | 3,557 |
| Return on Equity (ROE) | 6.2956% | 4,179 |
| Retained earnings to average equity (ytd only) | 5.5113% | 3,028 |
| Net charge-offs to loans | 0.0713% | 4,700 |
| Credit loss provision to net charge-offs | 346.1538% | 774 |
| Earnings coverage of net charge-offs (x) | 29.8511% | 1,102 |
| Efficiency ratio | 74.2364% | 2,945 |
| Assets per employee ($millions) | 3.3711% | 5,278 |
| Cash dividends to net income (ytd only)* | 12.4572% | 3,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9385% | 769 |
| Loan loss allowance to noncurrent loans | 62.5801% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 3.8669% | 1,268 |
| Noncurrent loans to loans | 4.6956% | 992 |
| Net loans and leases to total assets | 47.8706% | 5,560 |
| Net loans and leases to deposits | 55.3764% | 5,681 |
| Net loans and leases to core deposits | 59.9538% | 5,565 |
| Total domestic deposits to total assets | 86.4459% | 3,015 |
| Equity capital to assets | 13.2871% | 1,447 |
| Core capital (leverage) ratio | 13.4484% | 1,032 |
| Tier 1 risk-based capital ratio | 21.7137% | 1,377 |
| Total risk-based capital ratio | 22.9770% | 1,352 |
| Memoranda: | ||
| Average total assets | $43,874,000 | 6,452 |
| Average earning assets | $39,829,250 | 6,442 |
| Average equity | $6,120,500 | 6,062 |
| Average total loans | $24,306,000 | 6,313 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8176% | 2,442 |
| Cost of funding earning assets | 0.2995% | 6,744 |
| Net interest margin | 4.5181% | 960 |
| Noninterest income to average assets | 0.6687% | 2,839 |
| Noninterest expense to average assets | 3.4981% | 1,791 |
| Loan and lease loss provision to assets | 0.1403% | 3,763 |
| Net operating income to assets | 0.9213% | 2,800 |
| Return on assets (ROA) | 0.9213% | 3,071 |
| Pretax return on assets | 1.1224% | 3,221 |
| Return on Equity (ROE) | 6.4906% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.3045% | 3,091 |
| Net charge-offs to loans | 0.1055% | 4,120 |
| Credit loss provision to net charge-offs | 230.7692% | 1,236 |
| Earnings coverage of net charge-offs (x) | 20.7692% | 1,373 |
| Efficiency ratio | 73.4774% | 3,163 |
| Assets per employee ($millions) | 3.3021% | 5,440 |
| Cash dividends to net income (ytd only)* | 18.2741% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7382% | 998 |
| Loan loss allowance to noncurrent loans | 59.6085% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 4.1012% | 1,228 |
| Noncurrent loans to loans | 4.5936% | 1,141 |
| Net loans and leases to total assets | 51.4796% | 5,159 |
| Net loans and leases to deposits | 59.5571% | 5,286 |
| Net loans and leases to core deposits | 64.5870% | 5,146 |
| Total domestic deposits to total assets | 86.4374% | 3,110 |
| Equity capital to assets | 13.3571% | 1,364 |
| Core capital (leverage) ratio | 13.4214% | 1,004 |
| Tier 1 risk-based capital ratio | 21.0289% | 1,479 |
| Total risk-based capital ratio | 22.2928% | 1,449 |
| Memoranda: | ||
| Average total assets | $42,766,670 | 6,520 |
| Average earning assets | $38,733,000 | 6,522 |
| Average equity | $6,070,330 | 6,101 |
| Average total loans | $24,649,000 | 6,337 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0880% | 1,613 |
| Cost of funding earning assets | 0.3241% | 6,759 |
| Net interest margin | 4.7639% | 610 |
| Noninterest income to average assets | 0.6434% | 2,969 |
| Noninterest expense to average assets | 3.5287% | 1,696 |
| Loan and lease loss provision to assets | 1.2185% | 312 |
| Net operating income to assets | -0.1170% | 6,559 |
| Return on assets (ROA) | -0.1170% | 6,631 |
| Pretax return on assets | 0.1950% | 6,215 |
| Return on Equity (ROE) | -0.7976% | 6,609 |
| Retained earnings to average equity (ytd only) | -0.7976% | 6,125 |
| Net charge-offs to loans | 0.0647% | 3,847 |
| Credit loss provision to net charge-offs | 3,125.0000% | 86 |
| Earnings coverage of net charge-offs (x) | 36.2500% | 811 |
| Efficiency ratio | 71.4004% | 3,555 |
| Assets per employee ($millions) | 3.2717% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1158% | 744 |
| Loan loss allowance to noncurrent loans | 116.9184% | 2,672 |
| Noncurrent assets plus other real estate owned to assets | 3.4068% | 1,689 |
| Noncurrent loans to loans | 2.6649% | 2,444 |
| Net loans and leases to total assets | 56.5856% | 4,276 |
| Net loans and leases to deposits | 66.0329% | 4,375 |
| Net loans and leases to core deposits | 72.1801% | 4,126 |
| Total domestic deposits to total assets | 85.6931% | 3,691 |
| Equity capital to assets | 14.1117% | 982 |
| Core capital (leverage) ratio | 13.5428% | 931 |
| Tier 1 risk-based capital ratio | 21.3398% | 1,412 |
| Total risk-based capital ratio | 22.6090% | 1,384 |
| Memoranda: | ||
| Average total assets | $41,035,000 | 6,649 |
| Average earning assets | $37,028,500 | 6,641 |
| Average equity | $6,018,000 | 6,142 |
| Average total loans | $24,739,000 | 6,385 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5356% | 1,082 |
| Cost of funding earning assets | 0.4424% | 6,757 |
| Net interest margin | 5.0932% | 344 |
| Noninterest income to average assets | 0.7836% | 2,150 |
| Noninterest expense to average assets | 3.7527% | 1,436 |
| Loan and lease loss provision to assets | 0.4189% | 2,497 |
| Net operating income to assets | 1.0324% | 2,074 |
| Return on assets (ROA) | 1.0324% | 2,229 |
| Pretax return on assets | 1.1507% | 2,644 |
| Return on Equity (ROE) | 7.1152% | 3,346 |
| Retained earnings to average equity (ytd only) | 2.9717% | 4,121 |
| Net charge-offs to loans | 0.0194% | 6,170 |
| Credit loss provision to net charge-offs | 3,400.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 127.4000% | 257 |
| Efficiency ratio | 70.5093% | 3,843 |
| Assets per employee ($millions) | 2.8241% | 6,422 |
| Cash dividends to net income (ytd only)* | 58.2339% | 1,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6505% | 1,132 |
| Loan loss allowance to noncurrent loans | 94.5007% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 3.7407% | 1,557 |
| Noncurrent loans to loans | 2.8047% | 2,338 |
| Net loans and leases to total assets | 60.6606% | 3,852 |
| Net loans and leases to deposits | 72.0002% | 3,795 |
| Net loans and leases to core deposits | 79.3883% | 3,524 |
| Total domestic deposits to total assets | 84.2506% | 4,217 |
| Equity capital to assets | 15.2613% | 728 |
| Core capital (leverage) ratio | 14.3394% | 747 |
| Tier 1 risk-based capital ratio | 21.7936% | 1,264 |
| Total risk-based capital ratio | 23.0568% | 1,234 |
| Memoranda: | ||
| Average total assets | $40,584,400 | 6,654 |
| Average earning assets | $36,166,000 | 6,671 |
| Average equity | $5,888,800 | 6,185 |
| Average total loans | $25,710,800 | 6,375 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5384% | 1,162 |
| Cost of funding earning assets | 0.4576% | 6,859 |
| Net interest margin | 5.0809% | 353 |
| Noninterest income to average assets | 0.7867% | 2,113 |
| Noninterest expense to average assets | 3.6690% | 1,571 |
| Loan and lease loss provision to assets | 0.1469% | 4,613 |
| Net operating income to assets | 1.3351% | 1,293 |
| Return on assets (ROA) | 1.3351% | 1,384 |
| Pretax return on assets | 1.5015% | 1,648 |
| Return on Equity (ROE) | 9.3177% | 2,458 |
| Retained earnings to average equity (ytd only) | 6.3561% | 2,322 |
| Net charge-offs to loans | 0.0257% | 5,783 |
| Credit loss provision to net charge-offs | 900.0000% | 293 |
| Earnings coverage of net charge-offs (x) | 100.9475% | 363 |
| Efficiency ratio | 68.9994% | 4,128 |
| Assets per employee ($millions) | 2.8902% | 6,329 |
| Cash dividends to net income (ytd only)* | 31.7850% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1317% | 1,998 |
| Loan loss allowance to noncurrent loans | 89.9489% | 3,229 |
| Noncurrent assets plus other real estate owned to assets | 4.2879% | 1,418 |
| Noncurrent loans to loans | 2.3699% | 2,929 |
| Net loans and leases to total assets | 59.9091% | 4,146 |
| Net loans and leases to deposits | 71.0588% | 4,134 |
| Net loans and leases to core deposits | 78.1489% | 3,883 |
| Total domestic deposits to total assets | 84.3091% | 4,095 |
| Equity capital to assets | 15.1348% | 820 |
| Core capital (leverage) ratio | 14.4836% | 775 |
| Tier 1 risk-based capital ratio | 21.9175% | 1,304 |
| Total risk-based capital ratio | 23.1767% | 1,278 |
| Memoranda: | ||
| Average total assets | $40,846,000 | 6,700 |
| Average earning assets | $36,423,250 | 6,724 |
| Average equity | $5,852,500 | 6,237 |
| Average total loans | $25,979,250 | 6,426 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6454% | 975 |
| Cost of funding earning assets | 0.4837% | 6,897 |
| Net interest margin | 5.1617% | 298 |
| Noninterest income to average assets | 0.8200% | 1,930 |
| Noninterest expense to average assets | 3.7585% | 1,429 |
| Loan and lease loss provision to assets | 0.1464% | 4,479 |
| Net operating income to assets | 1.3033% | 1,309 |
| Return on assets (ROA) | 1.3033% | 1,387 |
| Pretax return on assets | 1.4985% | 1,535 |
| Return on Equity (ROE) | 9.2676% | 2,398 |
| Retained earnings to average equity (ytd only) | 4.7553% | 3,154 |
| Net charge-offs to loans | 0.0379% | 5,318 |
| Credit loss provision to net charge-offs | 600.0000% | 513 |
| Earnings coverage of net charge-offs (x) | 67.4000% | 490 |
| Efficiency ratio | 69.5574% | 4,194 |
| Assets per employee ($millions) | 2.8553% | 6,376 |
| Cash dividends to net income (ytd only)* | 48.6891% | 1,739 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9506% | 2,509 |
| Loan loss allowance to noncurrent loans | 133.5938% | 2,202 |
| Noncurrent assets plus other real estate owned to assets | 3.4648% | 1,901 |
| Noncurrent loans to loans | 1.4601% | 4,234 |
| Net loans and leases to total assets | 64.5094% | 3,356 |
| Net loans and leases to deposits | 79.6337% | 2,858 |
| Net loans and leases to core deposits | 88.0343% | 2,645 |
| Total domestic deposits to total assets | 81.0077% | 5,525 |
| Equity capital to assets | 14.8597% | 851 |
| Core capital (leverage) ratio | 14.3000% | 805 |
| Tier 1 risk-based capital ratio | 20.8433% | 1,451 |
| Total risk-based capital ratio | 22.0996% | 1,426 |
| Memoranda: | ||
| Average total assets | $40,973,670 | 6,752 |
| Average earning assets | $36,383,330 | 6,785 |
| Average equity | $5,762,000 | 6,300 |
| Average total loans | $26,382,670 | 6,461 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6819% | 913 |
| Cost of funding earning assets | 0.5474% | 6,812 |
| Net interest margin | 5.1345% | 286 |
| Noninterest income to average assets | 0.7909% | 2,068 |
| Noninterest expense to average assets | 3.7518% | 1,442 |
| Loan and lease loss provision to assets | 0.1447% | 4,198 |
| Net operating income to assets | 1.2924% | 1,286 |
| Return on assets (ROA) | 1.2924% | 1,332 |
| Pretax return on assets | 1.4178% | 1,676 |
| Return on Equity (ROE) | 9.4483% | 2,297 |
| Retained earnings to average equity (ytd only) | 8.3906% | 1,588 |
| Net charge-offs to loans | 0.0908% | 4,034 |
| Credit loss provision to net charge-offs | 250.0000% | 1,244 |
| Earnings coverage of net charge-offs (x) | 27.0000% | 912 |
| Efficiency ratio | 70.5989% | 4,139 |
| Assets per employee ($millions) | 2.9352% | 6,267 |
| Cash dividends to net income (ytd only)* | 11.1940% | 2,357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8986% | 2,697 |
| Loan loss allowance to noncurrent loans | 127.4359% | 2,298 |
| Noncurrent assets plus other real estate owned to assets | 3.5140% | 1,937 |
| Noncurrent loans to loans | 1.4899% | 4,237 |
| Net loans and leases to total assets | 62.4924% | 3,760 |
| Net loans and leases to deposits | 72.9110% | 3,937 |
| Net loans and leases to core deposits | 83.5176% | 3,229 |
| Total domestic deposits to total assets | 85.7105% | 3,687 |
| Equity capital to assets | 14.0267% | 1,006 |
| Core capital (leverage) ratio | 13.3560% | 1,008 |
| Tier 1 risk-based capital ratio | 20.2053% | 1,544 |
| Total risk-based capital ratio | 21.4622% | 1,513 |
| Memoranda: | ||
| Average total assets | $41,473,500 | 6,779 |
| Average earning assets | $36,537,000 | 6,825 |
| Average equity | $5,673,000 | 6,345 |
| Average total loans | $26,424,000 | 6,508 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5662% | 2,026 |
| Cost of funding earning assets | 0.5910% | 7,146 |
| Net interest margin | 4.9753% | 459 |
| Noninterest income to average assets | 0.6778% | 2,978 |
| Noninterest expense to average assets | 3.7110% | 1,677 |
| Loan and lease loss provision to assets | 0.7654% | 2,142 |
| Net operating income to assets | 0.5853% | 3,735 |
| Return on assets (ROA) | 0.5853% | 3,897 |
| Pretax return on assets | 0.6304% | 4,229 |
| Return on Equity (ROE) | 4.3626% | 4,362 |
| Retained earnings to average equity (ytd only) | 2.5257% | 4,105 |
| Net charge-offs to loans | 0.9133% | 2,362 |
| Credit loss provision to net charge-offs | 131.3008% | 3,014 |
| Earnings coverage of net charge-offs (x) | 2.3943% | 3,937 |
| Efficiency ratio | 72.6682% | 3,659 |
| Assets per employee ($millions) | 2.9896% | 6,121 |
| Cash dividends to net income (ytd only)* | 42.1053% | 2,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8297% | 2,760 |
| Loan loss allowance to noncurrent loans | 85.1658% | 3,349 |
| Noncurrent assets plus other real estate owned to assets | 2.6330% | 2,643 |
| Noncurrent loans to loans | 2.1484% | 3,368 |
| Net loans and leases to total assets | 62.5579% | 4,159 |
| Net loans and leases to deposits | 75.4945% | 3,919 |
| Net loans and leases to core deposits | 87.5568% | 3,111 |
| Total domestic deposits to total assets | 82.8642% | 4,858 |
| Equity capital to assets | 13.3368% | 1,244 |
| Core capital (leverage) ratio | 13.1277% | 1,087 |
| Tier 1 risk-based capital ratio | 19.2105% | 1,671 |
| Total risk-based capital ratio | 20.4656% | 1,638 |
| Memoranda: | ||
| Average total assets | $42,198,400 | 6,789 |
| Average earning assets | $37,565,800 | 6,814 |
| Average equity | $5,661,800 | 6,463 |
| Average total loans | $26,936,400 | 6,556 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6316% | 1,938 |
| Cost of funding earning assets | 0.5975% | 7,301 |
| Net interest margin | 5.0341% | 400 |
| Noninterest income to average assets | 0.6622% | 3,060 |
| Noninterest expense to average assets | 3.7207% | 1,526 |
| Loan and lease loss provision to assets | 0.4351% | 3,298 |
| Net operating income to assets | 0.9113% | 2,565 |
| Return on assets (ROA) | 0.9113% | 2,714 |
| Pretax return on assets | 0.9964% | 3,198 |
| Return on Equity (ROE) | 6.7817% | 3,437 |
| Retained earnings to average equity (ytd only) | 5.2565% | 2,807 |
| Net charge-offs to loans | 1.2097% | 1,686 |
| Credit loss provision to net charge-offs | 56.3265% | 5,779 |
| Earnings coverage of net charge-offs (x) | 1.8531% | 4,320 |
| Efficiency ratio | 72.2154% | 3,656 |
| Assets per employee ($millions) | 2.9082% | 6,351 |
| Cash dividends to net income (ytd only)* | 22.4904% | 2,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1393% | 5,764 |
| Loan loss allowance to noncurrent loans | 91.8429% | 2,995 |
| Noncurrent assets plus other real estate owned to assets | 1.6528% | 3,961 |
| Noncurrent loans to loans | 1.2405% | 4,776 |
| Net loans and leases to total assets | 60.4704% | 4,825 |
| Net loans and leases to deposits | 70.0731% | 5,134 |
| Net loans and leases to core deposits | 85.2310% | 3,764 |
| Total domestic deposits to total assets | 86.2962% | 2,919 |
| Equity capital to assets | 13.2889% | 1,452 |
| Core capital (leverage) ratio | 13.0785% | 1,199 |
| Tier 1 risk-based capital ratio | 19.4403% | 1,656 |
| Total risk-based capital ratio | 20.4828% | 1,672 |
| Memoranda: | ||
| Average total assets | $42,284,500 | 6,876 |
| Average earning assets | $37,715,000 | 6,886 |
| Average equity | $5,681,750 | 6,543 |
| Average total loans | $27,002,750 | 6,642 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7077% | 1,731 |
| Cost of funding earning assets | 0.5963% | 7,416 |
| Net interest margin | 5.1114% | 336 |
| Noninterest income to average assets | 0.6836% | 2,798 |
| Noninterest expense to average assets | 3.7621% | 1,433 |
| Loan and lease loss provision to assets | 0.4446% | 3,095 |
| Net operating income to assets | 0.9561% | 2,343 |
| Return on assets (ROA) | 0.9561% | 2,427 |
| Pretax return on assets | 1.0660% | 2,883 |
| Return on Equity (ROE) | 7.0880% | 3,262 |
| Retained earnings to average equity (ytd only) | 4.7844% | 3,022 |
| Net charge-offs to loans | 0.9960% | 1,862 |
| Credit loss provision to net charge-offs | 68.8889% | 4,998 |
| Earnings coverage of net charge-offs (x) | 2.3407% | 3,824 |
| Efficiency ratio | 71.3509% | 3,928 |
| Assets per employee ($millions) | 2.6473% | 6,868 |
| Cash dividends to net income (ytd only)* | 32.5000% | 2,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3545% | 4,656 |
| Loan loss allowance to noncurrent loans | 64.9648% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 2.2618% | 3,182 |
| Noncurrent loans to loans | 2.0850% | 3,610 |
| Net loans and leases to total assets | 63.4456% | 4,365 |
| Net loans and leases to deposits | 73.4717% | 4,759 |
| Net loans and leases to core deposits | 88.4126% | 3,495 |
| Total domestic deposits to total assets | 86.3538% | 2,901 |
| Equity capital to assets | 13.3157% | 1,430 |
| Core capital (leverage) ratio | 13.0409% | 1,196 |
| Tier 1 risk-based capital ratio | 19.1728% | 1,680 |
| Total risk-based capital ratio | 20.4232% | 1,646 |
| Memoranda: | ||
| Average total assets | $41,838,330 | 6,937 |
| Average earning assets | $37,563,330 | 6,946 |
| Average equity | $5,643,330 | 6,573 |
| Average total loans | $27,109,330 | 6,681 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3239% | 3,427 |
| Cost of funding earning assets | 0.5987% | 7,542 |
| Net interest margin | 4.7252% | 742 |
| Noninterest income to average assets | 0.6542% | 2,904 |
| Noninterest expense to average assets | 3.7422% | 1,427 |
| Loan and lease loss provision to assets | 0.1828% | 4,690 |
| Net operating income to assets | 0.8754% | 2,651 |
| Return on assets (ROA) | 0.8754% | 2,729 |
| Pretax return on assets | 0.9813% | 3,158 |
| Return on Equity (ROE) | 6.4482% | 3,636 |
| Retained earnings to average equity (ytd only) | 6.4482% | 2,376 |
| Net charge-offs to loans | 1.3016% | 1,314 |
| Credit loss provision to net charge-offs | 21.5909% | 4,928 |
| Earnings coverage of net charge-offs (x) | 1.3750% | 3,920 |
| Efficiency ratio | 76.2745% | 3,172 |
| Assets per employee ($millions) | 2.6106% | 7,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 5,012 |
| Loan loss allowance to noncurrent loans | 36.9330% | 5,906 |
| Noncurrent assets plus other real estate owned to assets | 3.3756% | 2,101 |
| Noncurrent loans to loans | 3.4805% | 2,291 |
| Net loans and leases to total assets | 62.8753% | 4,567 |
| Net loans and leases to deposits | 73.0238% | 4,900 |
| Net loans and leases to core deposits | 78.8821% | 4,910 |
| Total domestic deposits to total assets | 86.1025% | 3,095 |
| Equity capital to assets | 13.6294% | 1,277 |
| Core capital (leverage) ratio | 13.0609% | 1,192 |
| Tier 1 risk-based capital ratio | 19.1703% | 1,680 |
| Total risk-based capital ratio | 20.3546% | 1,666 |
| Memoranda: | ||
| Average total assets | $41,579,500 | 7,035 |
| Average earning assets | $37,416,500 | 7,039 |
| Average equity | $5,645,000 | 6,634 |
| Average total loans | $27,043,000 | 6,772 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7275% | 2,976 |
| Cost of funding earning assets | 0.9591% | 7,287 |
| Net interest margin | 4.7684% | 739 |
| Noninterest income to average assets | 0.7202% | 2,848 |
| Noninterest expense to average assets | 3.7182% | 1,867 |
| Loan and lease loss provision to assets | 0.0708% | 6,871 |
| Net operating income to assets | 1.0327% | 1,733 |
| Return on assets (ROA) | 1.0327% | 1,775 |
| Pretax return on assets | 1.2646% | 1,794 |
| Return on Equity (ROE) | 7.7004% | 2,491 |
| Retained earnings to average equity (ytd only) | 4.0232% | 2,398 |
| Net charge-offs to loans | 0.1358% | 5,848 |
| Credit loss provision to net charge-offs | 76.3158% | 6,374 |
| Earnings coverage of net charge-offs (x) | 14.3947% | 1,370 |
| Efficiency ratio | 73.5749% | 3,981 |
| Assets per employee ($millions) | 2.4346% | 7,307 |
| Cash dividends to net income (ytd only)* | 47.7541% | 2,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 3,752 |
| Loan loss allowance to noncurrent loans | 40.4528% | 5,707 |
| Noncurrent assets plus other real estate owned to assets | 2.7568% | 2,532 |
| Noncurrent loans to loans | 3.6971% | 2,039 |
| Net loans and leases to total assets | 65.4039% | 4,299 |
| Net loans and leases to deposits | 77.0413% | 4,552 |
| Net loans and leases to core deposits | 89.1986% | 5,204 |
| Total domestic deposits to total assets | 84.8945% | 3,601 |
| Equity capital to assets | 13.5229% | 1,311 |
| Core capital (leverage) ratio | 13.0726% | 1,233 |
| Tier 1 risk-based capital ratio | 18.9715% | 1,658 |
| Total risk-based capital ratio | 20.2223% | 1,624 |
| Memoranda: | ||
| Average total assets | $40,960,400 | 7,057 |
| Average earning assets | $37,224,200 | 7,046 |
| Average equity | $5,493,200 | 6,773 |
| Average total loans | $27,981,600 | 6,745 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7500% | 3,098 |
| Cost of funding earning assets | 1.0168% | 7,355 |
| Net interest margin | 4.7332% | 788 |
| Noninterest income to average assets | 0.6593% | 3,297 |
| Noninterest expense to average assets | 3.6618% | 1,907 |
| Loan and lease loss provision to assets | 0.0457% | 6,911 |
| Net operating income to assets | 1.0183% | 1,996 |
| Return on assets (ROA) | 1.0183% | 2,066 |
| Pretax return on assets | 1.2663% | 2,056 |
| Return on Equity (ROE) | 7.6088% | 2,812 |
| Retained earnings to average equity (ytd only) | 5.8529% | 2,017 |
| Net charge-offs to loans | 0.1803% | 4,943 |
| Credit loss provision to net charge-offs | 36.8421% | 6,454 |
| Earnings coverage of net charge-offs (x) | 10.5781% | 1,946 |
| Efficiency ratio | 73.6220% | 3,934 |
| Assets per employee ($millions) | 2.4756% | 7,267 |
| Cash dividends to net income (ytd only)* | 23.0775% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 3,752 |
| Loan loss allowance to noncurrent loans | 63.1579% | 4,179 |
| Noncurrent assets plus other real estate owned to assets | 1.7868% | 3,673 |
| Noncurrent loans to loans | 2.2759% | 3,296 |
| Net loans and leases to total assets | 64.5179% | 4,746 |
| Net loans and leases to deposits | 75.3120% | 5,157 |
| Net loans and leases to core deposits | 88.5155% | 5,592 |
| Total domestic deposits to total assets | 85.6674% | 2,877 |
| Equity capital to assets | 13.3964% | 1,535 |
| Core capital (leverage) ratio | 13.0178% | 1,373 |
| Tier 1 risk-based capital ratio | 19.0239% | 1,743 |
| Total risk-based capital ratio | 20.2771% | 1,701 |
| Memoranda: | ||
| Average total assets | $40,853,250 | 7,111 |
| Average earning assets | $37,239,750 | 7,105 |
| Average equity | $5,467,250 | 6,856 |
| Average total loans | $28,106,750 | 6,789 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7605% | 3,247 |
| Cost of funding earning assets | 1.0750% | 7,426 |
| Net interest margin | 4.6855% | 818 |
| Noninterest income to average assets | 0.6528% | 3,321 |
| Noninterest expense to average assets | 3.6299% | 2,003 |
| Loan and lease loss provision to assets | 0.0445% | 6,788 |
| Net operating income to assets | 1.0039% | 2,091 |
| Return on assets (ROA) | 1.0039% | 2,188 |
| Pretax return on assets | 1.2462% | 2,175 |
| Return on Equity (ROE) | 7.5042% | 2,978 |
| Retained earnings to average equity (ytd only) | 4.8426% | 2,600 |
| Net charge-offs to loans | 0.0990% | 5,175 |
| Credit loss provision to net charge-offs | 64.2857% | 5,524 |
| Earnings coverage of net charge-offs (x) | 18.6429% | 1,401 |
| Efficiency ratio | 73.7688% | 4,065 |
| Assets per employee ($millions) | 2.4018% | 7,423 |
| Cash dividends to net income (ytd only)* | 35.4680% | 2,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4807% | 3,306 |
| Loan loss allowance to noncurrent loans | 53.6869% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.9887% | 3,210 |
| Noncurrent loans to loans | 2.7580% | 2,615 |
| Net loans and leases to total assets | 67.6275% | 4,228 |
| Net loans and leases to deposits | 78.3814% | 4,806 |
| Net loans and leases to core deposits | 93.1424% | 5,224 |
| Total domestic deposits to total assets | 86.2800% | 2,637 |
| Equity capital to assets | 13.3771% | 1,533 |
| Core capital (leverage) ratio | 13.1691% | 1,378 |
| Tier 1 risk-based capital ratio | 19.6630% | 1,640 |
| Total risk-based capital ratio | 20.9149% | 1,600 |
| Memoranda: | ||
| Average total assets | $40,442,330 | 7,187 |
| Average earning assets | $36,837,330 | 7,182 |
| Average equity | $5,410,330 | 6,925 |
| Average total loans | $28,292,670 | 6,833 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8583% | 2,993 |
| Cost of funding earning assets | 1.1869% | 7,330 |
| Net interest margin | 4.6714% | 813 |
| Noninterest income to average assets | 0.6162% | 3,434 |
| Noninterest expense to average assets | 3.5381% | 2,010 |
| Loan and lease loss provision to assets | 0.0398% | 6,469 |
| Net operating income to assets | 1.0535% | 2,123 |
| Return on assets (ROA) | 1.0535% | 2,255 |
| Pretax return on assets | 1.3019% | 2,278 |
| Return on Equity (ROE) | 7.8745% | 3,206 |
| Retained earnings to average equity (ytd only) | 7.8745% | 1,867 |
| Net charge-offs to loans | -0.0141% | 7,357 |
| Credit loss provision to net charge-offs | -400.0000% | 6,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5051% | 4,103 |
| Assets per employee ($millions) | 2.5023% | 7,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 2,980 |
| Loan loss allowance to noncurrent loans | 117.0799% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 1.0316% | 4,632 |
| Noncurrent loans to loans | 1.2823% | 4,412 |
| Net loans and leases to total assets | 69.6448% | 3,768 |
| Net loans and leases to deposits | 85.7358% | 3,678 |
| Net loans and leases to core deposits | 96.8698% | 4,860 |
| Total domestic deposits to total assets | 81.2319% | 4,876 |
| Equity capital to assets | 13.6152% | 1,490 |
| Core capital (leverage) ratio | 13.0365% | 1,474 |
| Tier 1 risk-based capital ratio | 19.6072% | 1,695 |
| Total risk-based capital ratio | 20.8614% | 1,647 |
| Memoranda: | ||
| Average total assets | $40,248,000 | 7,236 |
| Average earning assets | $36,734,500 | 7,228 |
| Average equity | $5,384,500 | 6,978 |
| Average total loans | $28,425,000 | 6,853 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4540% | 3,175 |
| Cost of funding earning assets | 2.2774% | 5,257 |
| Net interest margin | 4.1766% | 2,405 |
| Noninterest income to average assets | 0.6055% | 3,805 |
| Noninterest expense to average assets | 3.3220% | 2,895 |
| Loan and lease loss provision to assets | 0.0546% | 6,730 |
| Net operating income to assets | 0.7693% | 3,574 |
| Return on assets (ROA) | 0.7693% | 3,416 |
| Pretax return on assets | 1.0305% | 3,270 |
| Return on Equity (ROE) | 6.2713% | 3,836 |
| Retained earnings to average equity (ytd only) | 3.7163% | 2,823 |
| Net charge-offs to loans | 0.0836% | 5,567 |
| Credit loss provision to net charge-offs | 95.8333% | 5,516 |
| Earnings coverage of net charge-offs (x) | 19.0417% | 1,664 |
| Efficiency ratio | 75.3772% | 3,345 |
| Assets per employee ($millions) | 2.3800% | 7,434 |
| Cash dividends to net income (ytd only)* | 40.7407% | 3,617 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4715% | 2,821 |
| Loan loss allowance to noncurrent loans | 126.8882% | 2,853 |
| Noncurrent assets plus other real estate owned to assets | 0.9417% | 4,469 |
| Noncurrent loans to loans | 1.1597% | 4,210 |
| Net loans and leases to total assets | 69.5057% | 4,140 |
| Net loans and leases to deposits | 97.1735% | 2,258 |
| Net loans and leases to core deposits | 112.2455% | 3,537 |
| Total domestic deposits to total assets | 71.5274% | 7,084 |
| Equity capital to assets | 13.1438% | 1,732 |
| Core capital (leverage) ratio | 12.8863% | 1,583 |
| Tier 1 risk-based capital ratio | 19.0944% | 1,793 |
| Total risk-based capital ratio | 20.3479% | 1,743 |
| Memoranda: | ||
| Average total assets | $42,113,600 | 7,121 |
| Average earning assets | $38,333,000 | 7,120 |
| Average equity | $5,166,400 | 7,092 |
| Average total loans | $28,721,800 | 6,782 |