Home > State Bank of Gibbon > Performance and Condition Ratios
State Bank of Gibbon, Performance and Condition Ratios
| 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 | 2.9118% | 6,251 |
| Cost of funding earning assets | 0.2005% | 5,906 |
| Net interest margin | 2.7113% | 6,041 |
| Noninterest income to average assets | 0.3227% | 4,838 |
| Noninterest expense to average assets | 2.8808% | 3,232 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.0384% | 6,146 |
| Return on assets (ROA) | 0.0384% | 6,173 |
| Pretax return on assets | 0.0384% | 6,162 |
| Return on Equity (ROE) | 0.4376% | 6,162 |
| Retained earnings to average equity (ytd only) | -6.3886% | 6,317 |
| 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 | 98.6842% | 440 |
| Assets per employee ($millions) | 4.3230% | 3,225 |
| Cash dividends to net income (ytd only)* | 1,560.0000% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1072% | 4,872 |
| Loan loss allowance to noncurrent loans | 30.4450% | 5,771 |
| Noncurrent assets plus other real estate owned to assets | 1.6462% | 1,980 |
| Noncurrent loans to loans | 3.6368% | 710 |
| Net loans and leases to total assets | 44.7644% | 5,478 |
| Net loans and leases to deposits | 49.2242% | 5,693 |
| Net loans and leases to core deposits | 49.2242% | 5,837 |
| Total domestic deposits to total assets | 90.9399% | 435 |
| Equity capital to assets | 8.6707% | 5,640 |
| Core capital (leverage) ratio | 8.9031% | 5,156 |
| Tier 1 risk-based capital ratio | 15.7278% | 3,231 |
| Total risk-based capital ratio | 16.6297% | 3,366 |
| Memoranda: | ||
| Average total assets | $26,034,000 | 6,467 |
| Average earning assets | $24,932,670 | 6,413 |
| Average equity | $2,285,330 | 6,507 |
| Average total loans | $12,442,330 | 6,371 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9715% | 6,269 |
| Cost of funding earning assets | 0.2088% | 5,931 |
| Net interest margin | 2.7627% | 6,011 |
| Noninterest income to average assets | 0.1227% | 6,233 |
| Noninterest expense to average assets | 2.2698% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4908% | 4,736 |
| Return on assets (ROA) | 0.4908% | 4,814 |
| Pretax return on assets | 0.4908% | 5,198 |
| Return on Equity (ROE) | 5.5568% | 4,253 |
| Retained earnings to average equity (ytd only) | -0.6946% | 5,676 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2222% | 1,898 |
| Assets per employee ($millions) | 4.2710% | 3,401 |
| Cash dividends to net income (ytd only)* | 112.5000% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0495% | 5,320 |
| Loan loss allowance to noncurrent loans | 29.2135% | 5,875 |
| Noncurrent assets plus other real estate owned to assets | 1.7365% | 2,033 |
| Noncurrent loans to loans | 3.5925% | 794 |
| Net loans and leases to total assets | 47.8303% | 5,156 |
| Net loans and leases to deposits | 52.5961% | 5,419 |
| Net loans and leases to core deposits | 52.5961% | 5,583 |
| Total domestic deposits to total assets | 90.9389% | 598 |
| Equity capital to assets | 8.9870% | 5,130 |
| Core capital (leverage) ratio | 9.0113% | 4,991 |
| Tier 1 risk-based capital ratio | 15.6202% | 3,369 |
| Total risk-based capital ratio | 16.4895% | 3,538 |
| Memoranda: | ||
| Average total assets | $26,082,000 | 6,532 |
| Average earning assets | $24,903,500 | 6,481 |
| Average equity | $2,303,500 | 6,566 |
| Average total loans | $12,793,000 | 6,428 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2672% | 6,052 |
| Cost of funding earning assets | 0.2853% | 5,711 |
| Net interest margin | 2.9819% | 5,618 |
| Noninterest income to average assets | 0.3361% | 4,913 |
| Noninterest expense to average assets | 2.3754% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.7628% | 3,484 |
| Return on assets (ROA) | 0.7628% | 3,580 |
| Pretax return on assets | 0.7628% | 4,290 |
| Return on Equity (ROE) | 8.7491% | 2,674 |
| Retained earnings to average equity (ytd only) | 0.7796% | 5,486 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6919% | 2,826 |
| Assets per employee ($millions) | 4.4230% | 3,046 |
| Cash dividends to net income (ytd only)* | 91.0891% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9849% | 5,642 |
| Loan loss allowance to noncurrent loans | 71.8232% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 4,200 |
| Noncurrent loans to loans | 1.3713% | 2,845 |
| Net loans and leases to total assets | 49.2464% | 5,166 |
| Net loans and leases to deposits | 53.9529% | 5,473 |
| Net loans and leases to core deposits | 53.9529% | 5,674 |
| Total domestic deposits to total assets | 91.2767% | 477 |
| Equity capital to assets | 8.6819% | 5,394 |
| Core capital (leverage) ratio | 9.2079% | 4,711 |
| Tier 1 risk-based capital ratio | 14.8543% | 3,748 |
| Total risk-based capital ratio | 15.6796% | 3,942 |
| Memoranda: | ||
| Average total assets | $26,479,800 | 6,598 |
| Average earning assets | $24,883,400 | 6,551 |
| Average equity | $2,308,800 | 6,651 |
| Average total loans | $13,215,000 | 6,481 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2854% | 6,077 |
| Cost of funding earning assets | 0.3011% | 5,728 |
| Net interest margin | 2.9843% | 5,633 |
| Noninterest income to average assets | 0.2670% | 5,542 |
| Noninterest expense to average assets | 2.2016% | 5,604 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8615% | 3,042 |
| Return on assets (ROA) | 0.8615% | 3,153 |
| Pretax return on assets | 0.8615% | 4,044 |
| Return on Equity (ROE) | 9.8697% | 2,237 |
| Retained earnings to average equity (ytd only) | -0.7502% | 6,094 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8750% | 3,428 |
| Assets per employee ($millions) | 4.3095% | 3,207 |
| Cash dividends to net income (ytd only)* | 107.6056% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9863% | 5,784 |
| Loan loss allowance to noncurrent loans | 69.1489% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 0.7271% | 4,289 |
| Noncurrent loans to loans | 1.4263% | 3,028 |
| Net loans and leases to total assets | 50.4738% | 5,081 |
| Net loans and leases to deposits | 55.4347% | 5,418 |
| Net loans and leases to core deposits | 56.3004% | 5,597 |
| Total domestic deposits to total assets | 91.0508% | 511 |
| Equity capital to assets | 8.8061% | 5,418 |
| Core capital (leverage) ratio | 8.7459% | 5,482 |
| Tier 1 risk-based capital ratio | 14.7352% | 3,926 |
| Total risk-based capital ratio | 15.5648% | 4,152 |
| Memoranda: | ||
| Average total assets | $26,465,250 | 6,670 |
| Average earning assets | $24,795,750 | 6,633 |
| Average equity | $2,310,000 | 6,727 |
| Average total loans | $13,219,000 | 6,549 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2895% | 6,105 |
| Cost of funding earning assets | 0.3144% | 5,722 |
| Net interest margin | 2.9751% | 5,630 |
| Noninterest income to average assets | 0.1350% | 6,378 |
| Noninterest expense to average assets | 2.2349% | 5,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6675% | 3,981 |
| Return on assets (ROA) | 0.6675% | 4,134 |
| Pretax return on assets | 0.6675% | 4,788 |
| Return on Equity (ROE) | 7.6691% | 3,250 |
| Retained earnings to average equity (ytd only) | -5.5149% | 6,488 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0026% | 2,623 |
| Assets per employee ($millions) | 4.4258% | 2,937 |
| Cash dividends to net income (ytd only)* | 171.9101% | 148 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9884% | 5,874 |
| Loan loss allowance to noncurrent loans | 58.2960% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 0.8398% | 4,139 |
| Noncurrent loans to loans | 1.6956% | 2,770 |
| Net loans and leases to total assets | 49.0378% | 5,220 |
| Net loans and leases to deposits | 53.6724% | 5,546 |
| Net loans and leases to core deposits | 54.4854% | 5,713 |
| Total domestic deposits to total assets | 91.3651% | 422 |
| Equity capital to assets | 8.3374% | 5,935 |
| Core capital (leverage) ratio | 8.5478% | 5,612 |
| Tier 1 risk-based capital ratio | 14.3712% | 4,180 |
| Total risk-based capital ratio | 15.1986% | 4,418 |
| Memoranda: | ||
| Average total assets | $26,668,000 | 6,715 |
| Average earning assets | $24,806,000 | 6,684 |
| Average equity | $2,321,000 | 6,778 |
| Average total loans | $13,231,670 | 6,593 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2362% | 6,256 |
| Cost of funding earning assets | 0.3331% | 5,685 |
| Net interest margin | 2.9031% | 5,806 |
| Noninterest income to average assets | 0.1497% | 6,354 |
| Noninterest expense to average assets | 2.1553% | 5,791 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7334% | 3,517 |
| Return on assets (ROA) | 0.7334% | 3,658 |
| Pretax return on assets | 0.7334% | 4,430 |
| Return on Equity (ROE) | 8.2544% | 2,843 |
| Retained earnings to average equity (ytd only) | 0.6738% | 5,557 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6114% | 3,155 |
| Assets per employee ($millions) | 4.5945% | 2,808 |
| Cash dividends to net income (ytd only)* | 91.8367% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0029% | 5,975 |
| Loan loss allowance to noncurrent loans | 116.0714% | 2,968 |
| Noncurrent assets plus other real estate owned to assets | 0.4063% | 5,376 |
| Noncurrent loans to loans | 0.8640% | 4,394 |
| Net loans and leases to total assets | 46.5520% | 5,382 |
| Net loans and leases to deposits | 50.9914% | 5,709 |
| Net loans and leases to core deposits | 51.7355% | 5,840 |
| Total domestic deposits to total assets | 91.2939% | 411 |
| Equity capital to assets | 8.6117% | 5,907 |
| Core capital (leverage) ratio | 8.5859% | 5,461 |
| Tier 1 risk-based capital ratio | 14.7692% | 3,985 |
| Total risk-based capital ratio | 15.5946% | 4,233 |
| Memoranda: | ||
| Average total assets | $26,724,500 | 6,782 |
| Average earning assets | $25,214,500 | 6,739 |
| Average equity | $2,374,500 | 6,837 |
| Average total loans | $13,271,500 | 6,650 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 4,459 |
| Cost of funding earning assets | 0.4854% | 5,318 |
| Net interest margin | 3.7486% | 3,446 |
| Noninterest income to average assets | 0.4077% | 4,544 |
| Noninterest expense to average assets | 2.5819% | 4,804 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2830% | 1,357 |
| Return on assets (ROA) | 1.2830% | 1,505 |
| Pretax return on assets | 1.2830% | 2,478 |
| Return on Equity (ROE) | 13.6980% | 1,053 |
| Retained earnings to average equity (ytd only) | 4.0539% | 3,364 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8046% | 4,361 |
| Assets per employee ($millions) | 4.3137% | 3,321 |
| Cash dividends to net income (ytd only)* | 70.4050% | 1,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9573% | 6,104 |
| Loan loss allowance to noncurrent loans | 250.0000% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 6,057 |
| Noncurrent loans to loans | 0.3829% | 5,541 |
| Net loans and leases to total assets | 51.9666% | 4,934 |
| Net loans and leases to deposits | 57.2608% | 5,316 |
| Net loans and leases to core deposits | 58.1546% | 5,529 |
| Total domestic deposits to total assets | 90.7542% | 593 |
| Equity capital to assets | 9.1763% | 5,301 |
| Core capital (leverage) ratio | 9.0021% | 4,895 |
| Tier 1 risk-based capital ratio | 13.4398% | 4,798 |
| Total risk-based capital ratio | 14.1923% | 5,092 |
| Memoranda: | ||
| Average total assets | $25,020,000 | 6,873 |
| Average earning assets | $23,075,200 | 6,835 |
| Average equity | $2,343,400 | 6,910 |
| Average total loans | $15,321,800 | 6,637 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4027% | 4,036 |
| Cost of funding earning assets | 0.5107% | 5,370 |
| Net interest margin | 3.8920% | 2,941 |
| Noninterest income to average assets | 0.3494% | 5,018 |
| Noninterest expense to average assets | 2.3651% | 5,505 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5481% | 947 |
| Return on assets (ROA) | 1.5481% | 1,052 |
| Pretax return on assets | 1.5481% | 1,729 |
| Return on Equity (ROE) | 16.4414% | 676 |
| Retained earnings to average equity (ytd only) | 6.3939% | 2,438 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4396% | 5,428 |
| Assets per employee ($millions) | 4.1477% | 3,581 |
| Cash dividends to net income (ytd only)* | 61.1110% | 1,233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8698% | 6,458 |
| Loan loss allowance to noncurrent loans | 520.0000% | 737 |
| Noncurrent assets plus other real estate owned to assets | 0.1005% | 6,478 |
| Noncurrent loans to loans | 0.1673% | 6,191 |
| Net loans and leases to total assets | 59.5355% | 3,873 |
| Net loans and leases to deposits | 66.0073% | 4,468 |
| Net loans and leases to core deposits | 67.0832% | 4,827 |
| Total domestic deposits to total assets | 90.1953% | 736 |
| Equity capital to assets | 9.6279% | 5,025 |
| Core capital (leverage) ratio | 9.0877% | 4,931 |
| Tier 1 risk-based capital ratio | 13.9033% | 4,608 |
| Total risk-based capital ratio | 14.6767% | 4,888 |
| Memoranda: | ||
| Average total assets | $24,804,500 | 6,963 |
| Average earning assets | $22,712,750 | 6,935 |
| Average equity | $2,335,500 | 7,001 |
| Average total loans | $15,757,250 | 6,700 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4608% | 3,938 |
| Cost of funding earning assets | 0.5531% | 5,284 |
| Net interest margin | 3.9076% | 2,873 |
| Noninterest income to average assets | 0.1453% | 6,472 |
| Noninterest expense to average assets | 2.3570% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3238% | 1,378 |
| Return on assets (ROA) | 1.3238% | 1,529 |
| Pretax return on assets | 1.3238% | 2,462 |
| Return on Equity (ROE) | 14.1664% | 1,075 |
| Retained earnings to average equity (ytd only) | 1.5549% | 5,427 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0351% | 4,897 |
| Assets per employee ($millions) | 4.1292% | 3,608 |
| Cash dividends to net income (ytd only)* | 89.0244% | 616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8319% | 6,605 |
| Loan loss allowance to noncurrent loans | 254.9020% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4117% | 5,752 |
| Noncurrent loans to loans | 0.3264% | 5,899 |
| Net loans and leases to total assets | 62.5469% | 3,329 |
| Net loans and leases to deposits | 69.0676% | 4,031 |
| Net loans and leases to core deposits | 70.1939% | 4,517 |
| Total domestic deposits to total assets | 90.5590% | 632 |
| Equity capital to assets | 9.2836% | 5,345 |
| Core capital (leverage) ratio | 9.1157% | 4,740 |
| Tier 1 risk-based capital ratio | 12.9265% | 5,234 |
| Total risk-based capital ratio | 13.6757% | 5,601 |
| Memoranda: | ||
| Average total assets | $24,777,330 | 7,019 |
| Average earning assets | $22,417,670 | 7,000 |
| Average equity | $2,315,330 | 7,052 |
| Average total loans | $16,027,670 | 6,730 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5038% | 3,892 |
| Cost of funding earning assets | 0.5921% | 5,193 |
| Net interest margin | 3.9116% | 2,874 |
| Noninterest income to average assets | 0.1614% | 6,419 |
| Noninterest expense to average assets | 2.3569% | 5,607 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3237% | 1,389 |
| Return on assets (ROA) | 1.3237% | 1,555 |
| Pretax return on assets | 1.3237% | 2,444 |
| Return on Equity (ROE) | 14.1197% | 1,164 |
| Retained earnings to average equity (ytd only) | 12.7421% | 723 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0351% | 4,919 |
| Assets per employee ($millions) | 4.0148% | 3,973 |
| Cash dividends to net income (ytd only)* | 9.7561% | 2,559 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8296% | 6,689 |
| Loan loss allowance to noncurrent loans | 764.7059% | 486 |
| Noncurrent assets plus other real estate owned to assets | 0.2823% | 6,185 |
| Noncurrent loans to loans | 0.1085% | 6,487 |
| Net loans and leases to total assets | 64.5149% | 2,756 |
| Net loans and leases to deposits | 71.6373% | 3,488 |
| Net loans and leases to core deposits | 72.8427% | 4,039 |
| Total domestic deposits to total assets | 90.0577% | 1,058 |
| Equity capital to assets | 9.8012% | 4,372 |
| Core capital (leverage) ratio | 9.5792% | 3,947 |
| Tier 1 risk-based capital ratio | 13.3399% | 4,942 |
| Total risk-based capital ratio | 14.0942% | 5,306 |
| Memoranda: | ||
| Average total assets | $24,778,500 | 7,077 |
| Average earning assets | $22,292,500 | 7,068 |
| Average equity | $2,323,000 | 7,103 |
| Average total loans | $16,228,500 | 6,785 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5635% | 4,815 |
| Cost of funding earning assets | 0.8289% | 4,636 |
| Net interest margin | 3.7346% | 4,135 |
| Noninterest income to average assets | 0.3806% | 4,782 |
| Noninterest expense to average assets | 2.5822% | 5,163 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.2276% | 1,436 |
| Return on assets (ROA) | 1.2399% | 1,511 |
| Pretax return on assets | 1.2399% | 2,328 |
| Return on Equity (ROE) | 13.7253% | 1,009 |
| Retained earnings to average equity (ytd only) | 4.7563% | 2,817 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7766% | 4,405 |
| Assets per employee ($millions) | 4.2447% | 3,381 |
| Cash dividends to net income (ytd only)* | 65.3465% | 1,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7745% | 6,792 |
| Loan loss allowance to noncurrent loans | 650.0000% | 561 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 6,266 |
| Noncurrent loans to loans | 0.1191% | 6,517 |
| Net loans and leases to total assets | 65.3997% | 2,899 |
| Net loans and leases to deposits | 74.8450% | 3,369 |
| Net loans and leases to core deposits | 76.0722% | 3,971 |
| Total domestic deposits to total assets | 87.3802% | 2,544 |
| Equity capital to assets | 8.9720% | 5,579 |
| Core capital (leverage) ratio | 9.2396% | 4,408 |
| Tier 1 risk-based capital ratio | 12.0930% | 5,762 |
| Total risk-based capital ratio | 12.7996% | 6,115 |
| Memoranda: | ||
| Average total assets | $24,437,000 | 7,120 |
| Average earning assets | $22,438,800 | 7,094 |
| Average equity | $2,207,600 | 7,179 |
| Average total loans | $15,959,000 | 6,850 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5721% | 4,995 |
| Cost of funding earning assets | 0.8965% | 4,423 |
| Net interest margin | 3.6756% | 4,443 |
| Noninterest income to average assets | 0.4467% | 4,318 |
| Noninterest expense to average assets | 2.4428% | 5,655 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3951% | 1,166 |
| Return on assets (ROA) | 1.4116% | 1,206 |
| Pretax return on assets | 1.4116% | 1,912 |
| Return on Equity (ROE) | 15.5979% | 735 |
| Retained earnings to average equity (ytd only) | 3.5339% | 4,224 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6494% | 5,132 |
| Assets per employee ($millions) | 3.9758% | 3,903 |
| Cash dividends to net income (ytd only)* | 77.3438% | 674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8397% | 6,742 |
| Loan loss allowance to noncurrent loans | 50.1931% | 4,993 |
| Noncurrent assets plus other real estate owned to assets | 1.3121% | 4,178 |
| Noncurrent loans to loans | 1.6730% | 3,796 |
| Net loans and leases to total assets | 64.3513% | 3,241 |
| Net loans and leases to deposits | 71.3834% | 4,086 |
| Net loans and leases to core deposits | 72.5919% | 4,636 |
| Total domestic deposits to total assets | 90.1488% | 788 |
| Equity capital to assets | 9.4152% | 5,222 |
| Core capital (leverage) ratio | 8.9996% | 4,925 |
| Tier 1 risk-based capital ratio | 12.8246% | 5,226 |
| Total risk-based capital ratio | 13.5901% | 5,615 |
| Memoranda: | ||
| Average total assets | $24,179,250 | 7,194 |
| Average earning assets | $22,308,500 | 7,168 |
| Average equity | $2,188,250 | 7,259 |
| Average total loans | $15,752,250 | 6,932 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5511% | 5,166 |
| Cost of funding earning assets | 0.9530% | 4,294 |
| Net interest margin | 3.5981% | 4,726 |
| Noninterest income to average assets | 0.2141% | 6,140 |
| Noninterest expense to average assets | 2.5363% | 5,414 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.0046% | 2,211 |
| Return on assets (ROA) | 1.0293% | 2,201 |
| Pretax return on assets | 1.0293% | 3,121 |
| Return on Equity (ROE) | 11.5260% | 1,626 |
| Retained earnings to average equity (ytd only) | 1.2909% | 5,330 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6279% | 3,813 |
| Assets per employee ($millions) | 3.9720% | 3,819 |
| Cash dividends to net income (ytd only)* | 88.8000% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8487% | 6,776 |
| Loan loss allowance to noncurrent loans | 66.6667% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 1.0448% | 4,793 |
| Noncurrent loans to loans | 1.2731% | 4,541 |
| Net loans and leases to total assets | 63.7252% | 3,525 |
| Net loans and leases to deposits | 70.3786% | 4,388 |
| Net loans and leases to core deposits | 71.5659% | 4,873 |
| Total domestic deposits to total assets | 90.5463% | 701 |
| Equity capital to assets | 9.2229% | 5,248 |
| Core capital (leverage) ratio | 9.0604% | 4,629 |
| Tier 1 risk-based capital ratio | 13.3150% | 4,680 |
| Total risk-based capital ratio | 14.1262% | 4,992 |
| Memoranda: | ||
| Average total assets | $24,287,330 | 7,258 |
| Average earning assets | $22,456,000 | 7,235 |
| Average equity | $2,169,000 | 7,323 |
| Average total loans | $15,842,670 | 6,990 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4379% | 5,562 |
| Cost of funding earning assets | 1.0174% | 4,074 |
| Net interest margin | 3.4205% | 5,348 |
| Noninterest income to average assets | 0.2611% | 5,795 |
| Noninterest expense to average assets | 2.6106% | 5,179 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.8321% | 2,873 |
| Return on assets (ROA) | 0.8321% | 2,930 |
| Pretax return on assets | 0.8321% | 3,779 |
| Return on Equity (ROE) | 9.4686% | 2,290 |
| Retained earnings to average equity (ytd only) | 1.8566% | 5,003 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8294% | 3,184 |
| Assets per employee ($millions) | 4.0015% | 3,833 |
| Cash dividends to net income (ytd only)* | 80.3922% | 831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8216% | 6,872 |
| Loan loss allowance to noncurrent loans | 56.5217% | 4,621 |
| Noncurrent assets plus other real estate owned to assets | 1.1829% | 4,586 |
| Noncurrent loans to loans | 1.4537% | 4,289 |
| Net loans and leases to total assets | 65.3588% | 3,161 |
| Net loans and leases to deposits | 74.3767% | 3,704 |
| Net loans and leases to core deposits | 75.6569% | 4,347 |
| Total domestic deposits to total assets | 87.8754% | 2,442 |
| Equity capital to assets | 8.9758% | 5,236 |
| Core capital (leverage) ratio | 8.6681% | 5,144 |
| Tier 1 risk-based capital ratio | 12.5235% | 5,241 |
| Total risk-based capital ratio | 13.2879% | 5,648 |
| Memoranda: | ||
| Average total assets | $24,515,000 | 7,302 |
| Average earning assets | $22,803,500 | 7,269 |
| Average equity | $2,154,500 | 7,376 |
| Average total loans | $16,105,500 | 7,028 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2822% | 3,211 |
| Cost of funding earning assets | 1.3813% | 3,379 |
| Net interest margin | 3.9009% | 3,486 |
| Noninterest income to average assets | 0.4453% | 4,558 |
| Noninterest expense to average assets | 2.7468% | 4,794 |
| Loan and lease loss provision to assets | 0.0265% | 6,860 |
| Net operating income to assets | 1.2081% | 1,394 |
| Return on assets (ROA) | 1.2081% | 1,471 |
| Pretax return on assets | 1.2081% | 2,203 |
| Return on Equity (ROE) | 13.1226% | 1,061 |
| Retained earnings to average equity (ytd only) | 4.3103% | 2,824 |
| Net charge-offs to loans | 0.0363% | 6,440 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 46.6667% | 496 |
| Efficiency ratio | 68.9922% | 4,377 |
| Assets per employee ($millions) | 4.1702% | 3,438 |
| Cash dividends to net income (ytd only)* | 67.1533% | 1,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7932% | 6,981 |
| Loan loss allowance to noncurrent loans | 64.3564% | 4,183 |
| Noncurrent assets plus other real estate owned to assets | 1.0231% | 4,954 |
| Noncurrent loans to loans | 1.2325% | 4,664 |
| Net loans and leases to total assets | 64.9814% | 3,670 |
| Net loans and leases to deposits | 71.2739% | 4,641 |
| Net loans and leases to core deposits | 72.4006% | 5,171 |
| Total domestic deposits to total assets | 91.1714% | 522 |
| Equity capital to assets | 8.6088% | 5,709 |
| Core capital (leverage) ratio | 9.0451% | 4,462 |
| Tier 1 risk-based capital ratio | 11.9612% | 5,508 |
| Total risk-based capital ratio | 12.6947% | 5,950 |
| Memoranda: | ||
| Average total assets | $22,680,800 | 7,405 |
| Average earning assets | $20,559,600 | 7,391 |
| Average equity | $2,088,000 | 7,490 |
| Average total loans | $16,543,000 | 7,091 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4881% | 2,477 |
| Cost of funding earning assets | 1.4689% | 3,153 |
| Net interest margin | 4.0193% | 3,011 |
| Noninterest income to average assets | 0.2896% | 5,805 |
| Noninterest expense to average assets | 2.6249% | 5,221 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2974% | 1,343 |
| Return on assets (ROA) | 1.2974% | 1,413 |
| Pretax return on assets | 1.2974% | 2,176 |
| Return on Equity (ROE) | 13.8383% | 1,070 |
| Retained earnings to average equity (ytd only) | 1.9952% | 4,958 |
| Net charge-offs to loans | 0.0080% | 6,555 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 215.5338% | 151 |
| Efficiency ratio | 66.9231% | 4,672 |
| Assets per employee ($millions) | 3.7363% | 4,420 |
| Cash dividends to net income (ytd only)* | 85.5822% | 525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7586% | 7,087 |
| Loan loss allowance to noncurrent loans | 35.1499% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 1.6371% | 3,985 |
| Noncurrent loans to loans | 2.1581% | 3,499 |
| Net loans and leases to total assets | 75.2833% | 1,535 |
| Net loans and leases to deposits | 83.3803% | 2,813 |
| Net loans and leases to core deposits | 84.8602% | 3,827 |
| Total domestic deposits to total assets | 90.2891% | 734 |
| Equity capital to assets | 9.3452% | 5,057 |
| Core capital (leverage) ratio | 9.0031% | 4,689 |
| Tier 1 risk-based capital ratio | 11.4183% | 6,004 |
| Total risk-based capital ratio | 12.1330% | 6,458 |
| Memoranda: | ||
| Average total assets | $22,095,750 | 7,511 |
| Average earning assets | $19,970,000 | 7,494 |
| Average equity | $2,071,500 | 7,587 |
| Average total loans | $16,581,500 | 7,184 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5658% | 2,268 |
| Cost of funding earning assets | 1.5495% | 2,963 |
| Net interest margin | 4.0164% | 2,940 |
| Noninterest income to average assets | 0.2820% | 5,887 |
| Noninterest expense to average assets | 2.6469% | 5,142 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2188% | 1,515 |
| Return on assets (ROA) | 1.2188% | 1,574 |
| Pretax return on assets | 1.2188% | 2,353 |
| Return on Equity (ROE) | 12.9866% | 1,245 |
| Retained earnings to average equity (ytd only) | -2.7136% | 6,254 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4706% | 4,486 |
| Assets per employee ($millions) | 3.7492% | 4,351 |
| Cash dividends to net income (ytd only)* | 120.8955% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7854% | 7,061 |
| Loan loss allowance to noncurrent loans | 59.0909% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9780% | 5,182 |
| Noncurrent loans to loans | 1.3291% | 4,733 |
| Net loans and leases to total assets | 73.0073% | 2,167 |
| Net loans and leases to deposits | 80.6353% | 3,495 |
| Net loans and leases to core deposits | 82.0535% | 4,409 |
| Total domestic deposits to total assets | 90.5401% | 672 |
| Equity capital to assets | 9.0509% | 5,366 |
| Core capital (leverage) ratio | 9.1245% | 4,419 |
| Tier 1 risk-based capital ratio | 11.4178% | 5,854 |
| Total risk-based capital ratio | 12.1592% | 6,321 |
| Memoranda: | ||
| Average total assets | $21,988,330 | 7,581 |
| Average earning assets | $19,619,670 | 7,568 |
| Average equity | $2,063,670 | 7,651 |
| Average total loans | $16,440,000 | 7,246 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4353% | 2,881 |
| Cost of funding earning assets | 1.6164% | 2,859 |
| Net interest margin | 3.8189% | 3,712 |
| Noninterest income to average assets | 0.2945% | 5,787 |
| Noninterest expense to average assets | 2.6501% | 5,143 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1226% | 1,755 |
| Return on assets (ROA) | 1.1226% | 1,838 |
| Pretax return on assets | 1.1226% | 2,664 |
| Return on Equity (ROE) | 11.7449% | 1,569 |
| Retained earnings to average equity (ytd only) | 5.1986% | 3,042 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2439% | 4,255 |
| Assets per employee ($millions) | 3.5407% | 4,944 |
| Cash dividends to net income (ytd only)* | 55.7377% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7815% | 7,168 |
| Loan loss allowance to noncurrent loans | 107.4380% | 2,581 |
| Noncurrent assets plus other real estate owned to assets | 0.5696% | 6,077 |
| Noncurrent loans to loans | 0.7274% | 5,865 |
| Net loans and leases to total assets | 77.6878% | 1,208 |
| Net loans and leases to deposits | 86.5625% | 2,491 |
| Net loans and leases to core deposits | 88.1765% | 3,606 |
| Total domestic deposits to total assets | 89.7477% | 1,114 |
| Equity capital to assets | 9.8428% | 4,059 |
| Core capital (leverage) ratio | 9.4959% | 3,781 |
| Tier 1 risk-based capital ratio | 11.8477% | 5,345 |
| Total risk-based capital ratio | 12.5965% | 5,789 |
| Memoranda: | ||
| Average total assets | $21,735,000 | 7,682 |
| Average earning assets | $19,796,500 | 7,659 |
| Average equity | $2,077,500 | 7,737 |
| Average total loans | $16,383,500 | 7,340 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8224% | 2,565 |
| Cost of funding earning assets | 1.8208% | 3,879 |
| Net interest margin | 4.0017% | 2,857 |
| Noninterest income to average assets | 0.5721% | 3,841 |
| Noninterest expense to average assets | 2.8700% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4234% | 811 |
| Return on assets (ROA) | 1.4234% | 864 |
| Pretax return on assets | 1.4234% | 1,376 |
| Return on Equity (ROE) | 15.0369% | 664 |
| Retained earnings to average equity (ytd only) | -0.5897% | 5,138 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8472% | 5,216 |
| Assets per employee ($millions) | 3.7043% | 4,509 |
| Cash dividends to net income (ytd only)* | 103.9216% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8058% | 7,111 |
| Loan loss allowance to noncurrent loans | 203.1250% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.2880% | 6,729 |
| Noncurrent loans to loans | 0.3967% | 6,483 |
| Net loans and leases to total assets | 72.0013% | 2,750 |
| Net loans and leases to deposits | 79.6883% | 4,049 |
| Net loans and leases to core deposits | 89.5072% | 5,180 |
| Total domestic deposits to total assets | 90.3536% | 806 |
| Equity capital to assets | 9.2864% | 4,711 |
| Core capital (leverage) ratio | 9.5637% | 3,647 |
| Tier 1 risk-based capital ratio | 11.7907% | 5,118 |
| Total risk-based capital ratio | 12.5457% | 5,571 |
| Memoranda: | ||
| Average total assets | $21,498,200 | 7,731 |
| Average earning assets | $19,991,600 | 7,712 |
| Average equity | $2,035,000 | 7,837 |
| Average total loans | $15,681,600 | 7,418 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8653% | 2,607 |
| Cost of funding earning assets | 1.8508% | 4,150 |
| Net interest margin | 4.0145% | 2,750 |
| Noninterest income to average assets | 0.3378% | 5,789 |
| Noninterest expense to average assets | 2.7521% | 5,097 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3573% | 1,109 |
| Return on assets (ROA) | 1.3573% | 1,167 |
| Pretax return on assets | 1.3573% | 1,804 |
| Return on Equity (ROE) | 14.2685% | 885 |
| Retained earnings to average equity (ytd only) | -3.2879% | 5,990 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9711% | 5,194 |
| Assets per employee ($millions) | 3.5663% | 4,772 |
| Cash dividends to net income (ytd only)* | 123.0394% | 390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 7,037 |
| Loan loss allowance to noncurrent loans | 206.3492% | 1,436 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 6,751 |
| Noncurrent loans to loans | 0.4006% | 6,539 |
| Net loans and leases to total assets | 72.8853% | 2,823 |
| Net loans and leases to deposits | 80.9467% | 4,207 |
| Net loans and leases to core deposits | 90.2599% | 5,406 |
| Total domestic deposits to total assets | 90.0411% | 755 |
| Equity capital to assets | 9.4635% | 4,793 |
| Core capital (leverage) ratio | 9.0938% | 4,501 |
| Tier 1 risk-based capital ratio | 11.3629% | 5,579 |
| Total risk-based capital ratio | 12.1048% | 6,058 |
| Memoranda: | ||
| Average total assets | $21,316,250 | 7,813 |
| Average earning assets | $20,027,000 | 7,784 |
| Average equity | $2,027,750 | 7,916 |
| Average total loans | $15,568,750 | 7,488 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8490% | 2,812 |
| Cost of funding earning assets | 1.8697% | 4,424 |
| Net interest margin | 3.9793% | 2,790 |
| Noninterest income to average assets | 0.3100% | 6,026 |
| Noninterest expense to average assets | 2.7244% | 5,279 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3246% | 1,177 |
| Return on assets (ROA) | 1.3246% | 1,248 |
| Pretax return on assets | 1.3246% | 1,952 |
| Return on Equity (ROE) | 13.9007% | 1,011 |
| Retained earnings to average equity (ytd only) | -7.4926% | 6,621 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2854% | 5,296 |
| Assets per employee ($millions) | 3.6285% | 4,501 |
| Cash dividends to net income (ytd only)* | 153.9007% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8289% | 7,054 |
| Loan loss allowance to noncurrent loans | 191.1765% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 6,681 |
| Noncurrent loans to loans | 0.4336% | 6,431 |
| Net loans and leases to total assets | 71.4391% | 3,365 |
| Net loans and leases to deposits | 79.1099% | 4,683 |
| Net loans and leases to core deposits | 87.9496% | 5,728 |
| Total domestic deposits to total assets | 90.3036% | 709 |
| Equity capital to assets | 9.1865% | 5,036 |
| Core capital (leverage) ratio | 9.2015% | 4,305 |
| Tier 1 risk-based capital ratio | 11.2465% | 5,647 |
| Total risk-based capital ratio | 11.9902% | 6,085 |
| Memoranda: | ||
| Average total assets | $21,289,000 | 7,895 |
| Average earning assets | $20,003,330 | 7,858 |
| Average equity | $2,028,670 | 7,997 |
| Average total loans | $15,516,330 | 7,563 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9605% | 2,522 |
| Cost of funding earning assets | 1.9260% | 4,507 |
| Net interest margin | 4.0345% | 2,511 |
| Noninterest income to average assets | 0.2851% | 6,155 |
| Noninterest expense to average assets | 2.6986% | 5,015 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.3683% | 1,211 |
| Return on assets (ROA) | 1.3683% | 1,304 |
| Pretax return on assets | 1.3683% | 2,061 |
| Return on Equity (ROE) | 14.0969% | 1,147 |
| Retained earnings to average equity (ytd only) | -12.9222% | 7,319 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3551% | 5,258 |
| Assets per employee ($millions) | 3.5030% | 4,817 |
| Cash dividends to net income (ytd only)* | 191.6667% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8575% | 6,926 |
| Loan loss allowance to noncurrent loans | 123.8095% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 5,965 |
| Noncurrent loans to loans | 0.6926% | 5,674 |
| Net loans and leases to total assets | 71.5149% | 3,350 |
| Net loans and leases to deposits | 79.9649% | 4,620 |
| Net loans and leases to core deposits | 89.2842% | 5,623 |
| Total domestic deposits to total assets | 89.4329% | 1,040 |
| Equity capital to assets | 9.5632% | 4,581 |
| Core capital (leverage) ratio | 9.4559% | 4,042 |
| Tier 1 risk-based capital ratio | 12.2642% | 4,737 |
| Total risk-based capital ratio | 13.0710% | 5,015 |
| Memoranda: | ||
| Average total assets | $21,048,000 | 7,950 |
| Average earning assets | $19,730,000 | 7,912 |
| Average equity | $2,043,000 | 8,049 |
| Average total loans | $15,433,000 | 7,612 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4373% | 3,239 |
| Cost of funding earning assets | 2.5102% | 4,155 |
| Net interest margin | 3.9271% | 3,451 |
| Noninterest income to average assets | 0.8126% | 2,439 |
| Noninterest expense to average assets | 2.8988% | 4,456 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5492% | 930 |
| Return on assets (ROA) | 1.5492% | 896 |
| Pretax return on assets | 1.5492% | 1,539 |
| Return on Equity (ROE) | 16.0544% | 766 |
| Retained earnings to average equity (ytd only) | 1.6744% | 4,213 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1709% | 5,287 |
| Assets per employee ($millions) | 3.5130% | 4,620 |
| Cash dividends to net income (ytd only)* | 89.5706% | 1,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8278% | 6,989 |
| Loan loss allowance to noncurrent loans | 1,444.4444% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 7,420 |
| Noncurrent loans to loans | 0.0573% | 7,281 |
| Net loans and leases to total assets | 73.8922% | 3,127 |
| Net loans and leases to deposits | 82.3856% | 4,665 |
| Net loans and leases to core deposits | 90.7846% | 5,736 |
| Total domestic deposits to total assets | 89.6907% | 770 |
| Equity capital to assets | 9.8491% | 4,225 |
| Core capital (leverage) ratio | 9.5251% | 3,983 |
| Tier 1 risk-based capital ratio | 12.3094% | 4,580 |
| Total risk-based capital ratio | 13.0930% | 4,854 |
| Memoranda: | ||
| Average total assets | $21,043,200 | 7,987 |
| Average earning assets | $19,480,200 | 7,957 |
| Average equity | $2,030,600 | 8,113 |
| Average total loans | $15,818,200 | 7,601 |