Home > State Bank of Lucan > Performance and Condition Ratios
State Bank of Lucan, Performance and Condition Ratios
| 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 | 4.5504% | 5,083 |
| Cost of funding earning assets | 1.0515% | 3,309 |
| Net interest margin | 3.4989% | 5,195 |
| Noninterest income to average assets | 0.2103% | 6,109 |
| Noninterest expense to average assets | 2.5241% | 5,382 |
| Loan and lease loss provision to assets | 0.0068% | 6,340 |
| Net operating income to assets | 0.8516% | 2,936 |
| Return on assets (ROA) | 0.8482% | 3,101 |
| Pretax return on assets | 0.8482% | 3,958 |
| Return on Equity (ROE) | 7.8662% | 3,099 |
| Retained earnings to average equity (ytd only) | 4.4994% | 3,522 |
| Net charge-offs to loans | -0.0194% | 6,905 |
| Credit loss provision to net charge-offs | -66.6667% | 6,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6239% | 3,060 |
| Assets per employee ($millions) | 5.1399% | 2,006 |
| Cash dividends to net income (ytd only)* | 42.7984% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 5,290 |
| Loan loss allowance to noncurrent loans | 398.4127% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1581% | 6,651 |
| Noncurrent loans to loans | 0.3119% | 6,224 |
| Net loans and leases to total assets | 48.5153% | 5,894 |
| Net loans and leases to deposits | 55.3079% | 6,096 |
| Net loans and leases to core deposits | 57.2096% | 6,207 |
| Total domestic deposits to total assets | 87.7186% | 2,221 |
| Equity capital to assets | 10.7979% | 3,361 |
| Core capital (leverage) ratio | 10.3083% | 3,071 |
| Tier 1 risk-based capital ratio | 16.6947% | 2,767 |
| Total risk-based capital ratio | 17.7013% | 2,851 |
| Memoranda: | ||
| Average total assets | $39,300,000 | 6,760 |
| Average earning assets | $35,629,500 | 6,751 |
| Average equity | $4,237,500 | 6,726 |
| Average total loans | $20,641,500 | 6,690 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 4,917 |
| Cost of funding earning assets | 1.1132% | 3,144 |
| Net interest margin | 3.4987% | 5,173 |
| Noninterest income to average assets | 0.2274% | 6,034 |
| Noninterest expense to average assets | 2.6309% | 5,075 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.7805% | 3,156 |
| Return on assets (ROA) | 0.7805% | 3,282 |
| Pretax return on assets | 0.7805% | 4,098 |
| Return on Equity (ROE) | 7.2422% | 3,325 |
| Retained earnings to average equity (ytd only) | 3.5971% | 3,947 |
| Net charge-offs to loans | -0.0096% | 6,679 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1212% | 2,838 |
| Assets per employee ($millions) | 4.9400% | 2,216 |
| Cash dividends to net income (ytd only)* | 50.3311% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 5,436 |
| Loan loss allowance to noncurrent loans | 504.0816% | 663 |
| Noncurrent assets plus other real estate owned to assets | 0.1316% | 6,759 |
| Noncurrent loans to loans | 0.2431% | 6,435 |
| Net loans and leases to total assets | 50.3720% | 5,774 |
| Net loans and leases to deposits | 57.4865% | 5,995 |
| Net loans and leases to core deposits | 59.5341% | 6,133 |
| Total domestic deposits to total assets | 87.6240% | 2,387 |
| Equity capital to assets | 10.8932% | 3,075 |
| Core capital (leverage) ratio | 10.4144% | 2,805 |
| Tier 1 risk-based capital ratio | 16.6301% | 2,681 |
| Total risk-based capital ratio | 17.6334% | 2,752 |
| Memoranda: | ||
| Average total assets | $38,693,670 | 6,830 |
| Average earning assets | $35,213,330 | 6,831 |
| Average equity | $4,170,000 | 6,798 |
| Average total loans | $20,788,670 | 6,754 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6298% | 4,820 |
| Cost of funding earning assets | 1.1689% | 3,027 |
| Net interest margin | 3.4609% | 5,179 |
| Noninterest income to average assets | 0.1776% | 6,453 |
| Noninterest expense to average assets | 2.6959% | 4,852 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6374% | 3,820 |
| Return on assets (ROA) | 0.6374% | 3,890 |
| Pretax return on assets | 0.6374% | 4,547 |
| Return on Equity (ROE) | 5.9476% | 3,933 |
| Retained earnings to average equity (ytd only) | 1.5600% | 5,177 |
| Net charge-offs to loans | -0.0190% | 6,550 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8777% | 2,386 |
| Assets per employee ($millions) | 4.8650% | 2,335 |
| Cash dividends to net income (ytd only)* | 73.7705% | 952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 5,564 |
| Loan loss allowance to noncurrent loans | 504.0816% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.1336% | 6,831 |
| Noncurrent loans to loans | 0.2408% | 6,504 |
| Net loans and leases to total assets | 51.6495% | 5,624 |
| Net loans and leases to deposits | 58.6629% | 5,864 |
| Net loans and leases to core deposits | 60.7752% | 6,041 |
| Total domestic deposits to total assets | 88.0447% | 2,348 |
| Equity capital to assets | 10.5524% | 3,126 |
| Core capital (leverage) ratio | 10.2257% | 2,905 |
| Tier 1 risk-based capital ratio | 16.3005% | 2,761 |
| Total risk-based capital ratio | 17.2981% | 2,861 |
| Memoranda: | ||
| Average total assets | $38,280,500 | 6,896 |
| Average earning assets | $34,904,000 | 6,886 |
| Average equity | $4,102,500 | 6,847 |
| Average total loans | $21,106,000 | 6,791 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 4,635 |
| Cost of funding earning assets | 1.4543% | 2,934 |
| Net interest margin | 3.5293% | 5,115 |
| Noninterest income to average assets | 0.3314% | 5,425 |
| Noninterest expense to average assets | 2.6914% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8109% | 2,747 |
| Return on assets (ROA) | 0.8109% | 2,882 |
| Pretax return on assets | 0.8109% | 3,593 |
| Return on Equity (ROE) | 7.3186% | 2,969 |
| Retained earnings to average equity (ytd only) | 2.6746% | 3,986 |
| Net charge-offs to loans | 0.1584% | 5,398 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 9.1212% | 1,869 |
| Efficiency ratio | 76.8462% | 2,894 |
| Assets per employee ($millions) | 4.7051% | 2,548 |
| Cash dividends to net income (ytd only)* | 63.4551% | 1,488 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,847 |
| Loan loss allowance to noncurrent loans | 473.0769% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 6,860 |
| Noncurrent loans to loans | 0.2378% | 6,584 |
| Net loans and leases to total assets | 57.4294% | 5,123 |
| Net loans and leases to deposits | 65.4624% | 5,458 |
| Net loans and leases to core deposits | 67.8947% | 5,669 |
| Total domestic deposits to total assets | 87.7288% | 2,405 |
| Equity capital to assets | 10.8871% | 2,788 |
| Core capital (leverage) ratio | 10.4671% | 2,591 |
| Tier 1 risk-based capital ratio | 15.7802% | 2,852 |
| Total risk-based capital ratio | 16.7458% | 2,962 |
| Memoranda: | ||
| Average total assets | $37,117,600 | 6,969 |
| Average earning assets | $33,349,800 | 6,970 |
| Average equity | $4,112,800 | 6,955 |
| Average total loans | $20,832,400 | 6,878 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0179% | 4,727 |
| Cost of funding earning assets | 1.5179% | 2,862 |
| Net interest margin | 3.5000% | 5,291 |
| Noninterest income to average assets | 0.3569% | 5,311 |
| Noninterest expense to average assets | 2.6207% | 5,242 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8616% | 2,777 |
| Return on assets (ROA) | 0.8616% | 2,907 |
| Pretax return on assets | 0.8616% | 3,696 |
| Return on Equity (ROE) | 7.7410% | 3,009 |
| Retained earnings to average equity (ytd only) | 2.2995% | 4,786 |
| Net charge-offs to loans | 0.1491% | 5,117 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 10.3900% | 1,888 |
| Efficiency ratio | 75.2588% | 3,091 |
| Assets per employee ($millions) | 4.7438% | 2,533 |
| Cash dividends to net income (ytd only)* | 70.2912% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2550% | 5,199 |
| Loan loss allowance to noncurrent loans | 248.5437% | 1,177 |
| Noncurrent assets plus other real estate owned to assets | 0.2846% | 6,662 |
| Noncurrent loans to loans | 0.5049% | 6,191 |
| Net loans and leases to total assets | 53.0777% | 5,974 |
| Net loans and leases to deposits | 60.9231% | 6,224 |
| Net loans and leases to core deposits | 63.1581% | 6,359 |
| Total domestic deposits to total assets | 87.1225% | 2,461 |
| Equity capital to assets | 11.1146% | 2,840 |
| Core capital (leverage) ratio | 10.4254% | 2,774 |
| Tier 1 risk-based capital ratio | 15.8339% | 2,849 |
| Total risk-based capital ratio | 16.8523% | 2,910 |
| Memoranda: | ||
| Average total assets | $36,986,750 | 7,057 |
| Average earning assets | $33,027,500 | 7,065 |
| Average equity | $4,116,500 | 7,043 |
| Average total loans | $20,574,750 | 6,983 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0308% | 4,800 |
| Cost of funding earning assets | 1.5691% | 2,843 |
| Net interest margin | 3.4617% | 5,395 |
| Noninterest income to average assets | 0.3436% | 5,397 |
| Noninterest expense to average assets | 2.6728% | 5,025 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.7637% | 3,134 |
| Return on assets (ROA) | 0.7637% | 3,287 |
| Pretax return on assets | 0.7637% | 4,012 |
| Return on Equity (ROE) | 6.8583% | 3,365 |
| Retained earnings to average equity (ytd only) | -0.2939% | 5,793 |
| Net charge-offs to loans | 0.2229% | 4,264 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 6.0870% | 2,531 |
| Efficiency ratio | 77.7778% | 2,764 |
| Assets per employee ($millions) | 4.5698% | 2,765 |
| Cash dividends to net income (ytd only)* | 104.2857% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 4,945 |
| Loan loss allowance to noncurrent loans | 341.3333% | 861 |
| Noncurrent assets plus other real estate owned to assets | 0.2243% | 6,837 |
| Noncurrent loans to loans | 0.3795% | 6,478 |
| Net loans and leases to total assets | 53.3590% | 6,070 |
| Net loans and leases to deposits | 61.3543% | 6,283 |
| Net loans and leases to core deposits | 63.6818% | 6,427 |
| Total domestic deposits to total assets | 86.9687% | 2,544 |
| Equity capital to assets | 11.3108% | 2,589 |
| Core capital (leverage) ratio | 10.5087% | 2,625 |
| Tier 1 risk-based capital ratio | 16.4858% | 2,477 |
| Total risk-based capital ratio | 17.5668% | 2,497 |
| Memoranda: | ||
| Average total assets | $36,665,670 | 7,123 |
| Average earning assets | $32,758,330 | 7,125 |
| Average equity | $4,082,670 | 7,090 |
| Average total loans | $20,633,330 | 7,032 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0347% | 4,859 |
| Cost of funding earning assets | 1.5931% | 3,005 |
| Net interest margin | 3.4416% | 5,414 |
| Noninterest income to average assets | 0.3595% | 5,264 |
| Noninterest expense to average assets | 2.7125% | 4,844 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.7299% | 3,306 |
| Return on assets (ROA) | 0.7299% | 3,414 |
| Pretax return on assets | 0.7299% | 4,122 |
| Return on Equity (ROE) | 6.6067% | 3,566 |
| Retained earnings to average equity (ytd only) | -5.5220% | 6,626 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7975% | 2,760 |
| Assets per employee ($millions) | 4.7346% | 2,592 |
| Cash dividends to net income (ytd only)* | 183.5821% | 233 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3727% | 4,564 |
| Loan loss allowance to noncurrent loans | 300.0000% | 1,001 |
| Noncurrent assets plus other real estate owned to assets | 0.2640% | 6,812 |
| Noncurrent loans to loans | 0.4576% | 6,381 |
| Net loans and leases to total assets | 52.9239% | 6,157 |
| Net loans and leases to deposits | 60.4359% | 6,422 |
| Net loans and leases to core deposits | 62.6300% | 6,545 |
| Total domestic deposits to total assets | 87.5703% | 2,321 |
| Equity capital to assets | 10.6344% | 3,116 |
| Core capital (leverage) ratio | 10.2669% | 2,848 |
| Tier 1 risk-based capital ratio | 15.7712% | 2,742 |
| Total risk-based capital ratio | 16.9129% | 2,745 |
| Memoranda: | ||
| Average total assets | $36,719,500 | 7,209 |
| Average earning assets | $32,891,500 | 7,205 |
| Average equity | $4,056,500 | 7,163 |
| Average total loans | $21,068,500 | 7,095 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5323% | 3,980 |
| Cost of funding earning assets | 1.8528% | 3,723 |
| Net interest margin | 3.6796% | 4,219 |
| Noninterest income to average assets | 0.4263% | 5,001 |
| Noninterest expense to average assets | 2.8013% | 4,969 |
| Loan and lease loss provision to assets | 0.1218% | 6,427 |
| Net operating income to assets | 0.7859% | 2,584 |
| Return on assets (ROA) | 0.7859% | 2,673 |
| Pretax return on assets | 0.7859% | 3,292 |
| Return on Equity (ROE) | 6.7957% | 2,872 |
| Retained earnings to average equity (ytd only) | 3.2098% | 2,912 |
| Net charge-offs to loans | 0.0499% | 6,602 |
| Credit loss provision to net charge-offs | 420.0000% | 750 |
| Earnings coverage of net charge-offs (x) | 31.3000% | 733 |
| Efficiency ratio | 75.5278% | 3,611 |
| Assets per employee ($millions) | 4.4453% | 3,024 |
| Cash dividends to net income (ytd only)* | 52.7675% | 2,340 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2791% | 4,877 |
| Loan loss allowance to noncurrent loans | 78.3708% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.0236% | 5,059 |
| Noncurrent loans to loans | 1.6321% | 4,196 |
| Net loans and leases to total assets | 60.5506% | 5,253 |
| Net loans and leases to deposits | 69.5870% | 5,661 |
| Net loans and leases to core deposits | 79.1189% | 6,174 |
| Total domestic deposits to total assets | 87.0142% | 2,501 |
| Equity capital to assets | 11.4870% | 2,328 |
| Core capital (leverage) ratio | 11.2512% | 2,072 |
| Tier 1 risk-based capital ratio | 15.4613% | 2,735 |
| Total risk-based capital ratio | 16.5645% | 2,753 |
| Memoranda: | ||
| Average total assets | $34,484,400 | 7,302 |
| Average earning assets | $30,764,600 | 7,324 |
| Average equity | $3,987,800 | 7,301 |
| Average total loans | $20,039,000 | 7,187 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5548% | 4,125 |
| Cost of funding earning assets | 1.9186% | 3,780 |
| Net interest margin | 3.6362% | 4,344 |
| Noninterest income to average assets | 0.4092% | 5,220 |
| Noninterest expense to average assets | 2.8096% | 4,852 |
| Loan and lease loss provision to assets | 0.1598% | 5,750 |
| Net operating income to assets | 0.6820% | 3,271 |
| Return on assets (ROA) | 0.6820% | 3,330 |
| Pretax return on assets | 0.6820% | 3,922 |
| Return on Equity (ROE) | 5.8870% | 3,573 |
| Retained earnings to average equity (ytd only) | 2.1193% | 4,145 |
| Net charge-offs to loans | 0.0476% | 6,249 |
| Credit loss provision to net charge-offs | 585.7143% | 659 |
| Earnings coverage of net charge-offs (x) | 30.8671% | 920 |
| Efficiency ratio | 76.9477% | 3,329 |
| Assets per employee ($millions) | 4.2880% | 3,222 |
| Cash dividends to net income (ytd only)* | 63.9995% | 1,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 3,747 |
| Loan loss allowance to noncurrent loans | 63.0045% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.3410% | 4,408 |
| Noncurrent loans to loans | 2.2826% | 3,284 |
| Net loans and leases to total assets | 56.1392% | 6,127 |
| Net loans and leases to deposits | 65.2349% | 6,378 |
| Net loans and leases to core deposits | 73.5853% | 6,752 |
| Total domestic deposits to total assets | 86.0570% | 2,679 |
| Equity capital to assets | 11.8733% | 2,310 |
| Core capital (leverage) ratio | 11.3613% | 2,148 |
| Tier 1 risk-based capital ratio | 16.0570% | 2,605 |
| Total risk-based capital ratio | 17.2304% | 2,568 |
| Memoranda: | ||
| Average total assets | $34,215,000 | 7,375 |
| Average earning assets | $30,507,250 | 7,397 |
| Average equity | $3,963,500 | 7,374 |
| Average total loans | $19,595,750 | 7,281 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4623% | 4,833 |
| Cost of funding earning assets | 1.9391% | 4,069 |
| Net interest margin | 3.5232% | 4,682 |
| Noninterest income to average assets | 0.4446% | 4,894 |
| Noninterest expense to average assets | 3.0364% | 3,938 |
| Loan and lease loss provision to assets | 0.2165% | 4,877 |
| Net operating income to assets | 0.3276% | 4,773 |
| Return on assets (ROA) | 0.3276% | 4,893 |
| Pretax return on assets | 0.3276% | 5,140 |
| Return on Equity (ROE) | 2.8520% | 4,957 |
| Retained earnings to average equity (ytd only) | -2.0372% | 5,754 |
| Net charge-offs to loans | 0.0408% | 5,895 |
| Credit loss provision to net charge-offs | 925.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 23.2500% | 1,191 |
| Efficiency ratio | 84.8039% | 2,383 |
| Assets per employee ($millions) | 4.2893% | 3,136 |
| Cash dividends to net income (ytd only)* | 171.4286% | 298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 3,387 |
| Loan loss allowance to noncurrent loans | 70.8861% | 3,897 |
| Noncurrent assets plus other real estate owned to assets | 1.1919% | 4,558 |
| Noncurrent loans to loans | 2.0675% | 3,425 |
| Net loans and leases to total assets | 54.8610% | 6,354 |
| Net loans and leases to deposits | 63.3263% | 6,630 |
| Net loans and leases to core deposits | 71.2124% | 6,954 |
| Total domestic deposits to total assets | 86.6323% | 2,445 |
| Equity capital to assets | 11.3452% | 2,634 |
| Core capital (leverage) ratio | 10.9259% | 2,460 |
| Tier 1 risk-based capital ratio | 16.4260% | 2,469 |
| Total risk-based capital ratio | 17.6551% | 2,429 |
| Memoranda: | ||
| Average total assets | $34,185,330 | 7,439 |
| Average earning assets | $30,426,670 | 7,462 |
| Average equity | $3,927,000 | 7,443 |
| Average total loans | $19,614,670 | 7,350 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5749% | 4,496 |
| Cost of funding earning assets | 1.9825% | 4,221 |
| Net interest margin | 3.5924% | 4,343 |
| Noninterest income to average assets | 0.4220% | 5,026 |
| Noninterest expense to average assets | 2.7315% | 4,865 |
| Loan and lease loss provision to assets | 0.3517% | 3,204 |
| Net operating income to assets | 0.5041% | 4,402 |
| Return on assets (ROA) | 0.5041% | 4,588 |
| Pretax return on assets | 0.5041% | 5,068 |
| Return on Equity (ROE) | 4.3611% | 4,769 |
| Retained earnings to average equity (ytd only) | 2.6369% | 4,412 |
| Net charge-offs to loans | 0.0805% | 4,367 |
| Credit loss provision to net charge-offs | 750.0000% | 792 |
| Earnings coverage of net charge-offs (x) | 18.2500% | 1,471 |
| Efficiency ratio | 76.1438% | 3,465 |
| Assets per employee ($millions) | 4.3565% | 2,964 |
| Cash dividends to net income (ytd only)* | 39.5349% | 2,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4489% | 3,239 |
| Loan loss allowance to noncurrent loans | 77.1186% | 3,794 |
| Noncurrent assets plus other real estate owned to assets | 1.6125% | 3,502 |
| Noncurrent loans to loans | 1.8788% | 3,444 |
| Net loans and leases to total assets | 53.2796% | 6,555 |
| Net loans and leases to deposits | 61.2757% | 6,786 |
| Net loans and leases to core deposits | 69.8766% | 7,028 |
| Total domestic deposits to total assets | 86.9505% | 2,240 |
| Equity capital to assets | 11.3738% | 2,674 |
| Core capital (leverage) ratio | 10.9703% | 2,522 |
| Tier 1 risk-based capital ratio | 16.8794% | 2,372 |
| Total risk-based capital ratio | 18.0892% | 2,323 |
| Memoranda: | ||
| Average total assets | $34,121,000 | 7,488 |
| Average earning assets | $30,063,500 | 7,512 |
| Average equity | $3,944,000 | 7,479 |
| Average total loans | $19,869,500 | 7,371 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3761% | 3,543 |
| Cost of funding earning assets | 2.4763% | 4,330 |
| Net interest margin | 3.8998% | 3,569 |
| Noninterest income to average assets | 0.5428% | 4,289 |
| Noninterest expense to average assets | 2.6955% | 5,286 |
| Loan and lease loss provision to assets | 0.1954% | 4,923 |
| Net operating income to assets | 1.1446% | 1,969 |
| Return on assets (ROA) | 1.1446% | 1,890 |
| Pretax return on assets | 1.1446% | 2,858 |
| Return on Equity (ROE) | 9.8253% | 2,321 |
| Retained earnings to average equity (ytd only) | 3.8875% | 2,709 |
| Net charge-offs to loans | 0.2029% | 4,176 |
| Credit loss provision to net charge-offs | 161.5385% | 3,199 |
| Earnings coverage of net charge-offs (x) | 11.0769% | 2,414 |
| Efficiency ratio | 66.7948% | 4,948 |
| Assets per employee ($millions) | 4.1738% | 3,161 |
| Cash dividends to net income (ytd only)* | 60.4336% | 2,646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1820% | 4,687 |
| Loan loss allowance to noncurrent loans | 100.4065% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.3597% | 3,480 |
| Noncurrent loans to loans | 1.1772% | 4,164 |
| Net loans and leases to total assets | 61.8449% | 5,641 |
| Net loans and leases to deposits | 74.1525% | 5,826 |
| Net loans and leases to core deposits | 84.8433% | 6,221 |
| Total domestic deposits to total assets | 83.4022% | 3,613 |
| Equity capital to assets | 11.7520% | 2,467 |
| Core capital (leverage) ratio | 11.6811% | 2,137 |
| Tier 1 risk-based capital ratio | 15.7583% | 2,757 |
| Total risk-based capital ratio | 16.7875% | 2,764 |
| Memoranda: | ||
| Average total assets | $32,238,800 | 7,547 |
| Average earning assets | $28,873,600 | 7,571 |
| Average equity | $3,755,600 | 7,594 |
| Average total loans | $19,225,200 | 7,387 |