Home > State Bank of Slater > Performance and Condition Ratios
State Bank of Slater, Performance and Condition Ratios
| 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 | 4.7839% | 2,446 |
| Cost of funding earning assets | 0.6367% | 4,301 |
| Net interest margin | 4.1472% | 1,911 |
| Noninterest income to average assets | 0.3334% | 5,136 |
| Noninterest expense to average assets | 2.6893% | 4,408 |
| Loan and lease loss provision to assets | 0.0031% | 5,763 |
| Net operating income to assets | 0.9184% | 2,891 |
| Return on assets (ROA) | 0.9184% | 3,117 |
| Pretax return on assets | 1.3902% | 2,271 |
| Return on Equity (ROE) | 7.7181% | 3,413 |
| Retained earnings to average equity (ytd only) | -1.0045% | 6,278 |
| Net charge-offs to loans | -0.0094% | 6,360 |
| Credit loss provision to net charge-offs | -50.0000% | 6,173 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8706% | 4,470 |
| Assets per employee ($millions) | 4.3512% | 3,163 |
| Cash dividends to net income (ytd only)* | 113.0150% | 230 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 5,589 |
| Loan loss allowance to noncurrent loans | 353.2609% | 1,058 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 6,184 |
| Noncurrent loans to loans | 0.3204% | 5,838 |
| Net loans and leases to total assets | 65.2441% | 2,793 |
| Net loans and leases to deposits | 75.2545% | 3,102 |
| Net loans and leases to core deposits | 78.0068% | 3,460 |
| Total domestic deposits to total assets | 86.6979% | 2,856 |
| Equity capital to assets | 11.5393% | 2,710 |
| Core capital (leverage) ratio | 11.6436% | 1,873 |
| Tier 1 risk-based capital ratio | 16.5255% | 2,983 |
| Total risk-based capital ratio | 17.6007% | 3,050 |
| Memoranda: | ||
| Average total assets | $42,389,750 | 6,486 |
| Average earning assets | $38,322,250 | 6,498 |
| Average equity | $5,044,250 | 6,347 |
| Average total loans | $28,299,500 | 6,098 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8091% | 2,469 |
| Cost of funding earning assets | 0.6728% | 4,247 |
| Net interest margin | 4.1364% | 1,951 |
| Noninterest income to average assets | 0.3332% | 5,163 |
| Noninterest expense to average assets | 2.7180% | 4,335 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8997% | 2,909 |
| Return on assets (ROA) | 0.8997% | 3,179 |
| Pretax return on assets | 1.3614% | 2,345 |
| Return on Equity (ROE) | 7.4822% | 3,530 |
| Retained earnings to average equity (ytd only) | 1.9398% | 5,227 |
| Net charge-offs to loans | 0.0213% | 5,103 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 95.3333% | 446 |
| Efficiency ratio | 66.6278% | 4,402 |
| Assets per employee ($millions) | 4.2259% | 3,413 |
| Cash dividends to net income (ytd only)* | 74.0741% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1032% | 5,757 |
| Loan loss allowance to noncurrent loans | 393.8272% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1917% | 6,309 |
| Noncurrent loans to loans | 0.2801% | 6,010 |
| Net loans and leases to total assets | 67.6708% | 2,330 |
| Net loans and leases to deposits | 78.5157% | 2,596 |
| Net loans and leases to core deposits | 81.4892% | 3,024 |
| Total domestic deposits to total assets | 86.1876% | 3,260 |
| Equity capital to assets | 12.0803% | 2,089 |
| Core capital (leverage) ratio | 11.7915% | 1,732 |
| Tier 1 risk-based capital ratio | 16.9062% | 2,713 |
| Total risk-based capital ratio | 17.9674% | 2,752 |
| Memoranda: | ||
| Average total assets | $42,015,670 | 6,546 |
| Average earning assets | $38,052,670 | 6,553 |
| Average equity | $5,052,000 | 6,376 |
| Average total loans | $28,161,330 | 6,143 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8082% | 2,605 |
| Cost of funding earning assets | 0.7202% | 4,107 |
| Net interest margin | 4.0881% | 2,150 |
| Noninterest income to average assets | 0.3437% | 5,107 |
| Noninterest expense to average assets | 2.8453% | 3,846 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7925% | 3,412 |
| Return on assets (ROA) | 0.7925% | 3,655 |
| Pretax return on assets | 1.1839% | 2,967 |
| Return on Equity (ROE) | 6.6063% | 3,987 |
| Retained earnings to average equity (ytd only) | -4.5369% | 6,551 |
| Net charge-offs to loans | 0.0432% | 4,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 41.3333% | 728 |
| Efficiency ratio | 70.6161% | 3,698 |
| Assets per employee ($millions) | 4.2901% | 3,420 |
| Cash dividends to net income (ytd only)* | 168.6747% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1846% | 5,566 |
| Loan loss allowance to noncurrent loans | 31,900.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0023% | 6,951 |
| Noncurrent loans to loans | 0.0037% | 6,800 |
| Net loans and leases to total assets | 62.0242% | 3,251 |
| Net loans and leases to deposits | 71.5007% | 3,507 |
| Net loans and leases to core deposits | 74.1425% | 3,886 |
| Total domestic deposits to total assets | 86.7462% | 3,094 |
| Equity capital to assets | 11.6361% | 2,313 |
| Core capital (leverage) ratio | 11.7285% | 1,749 |
| Tier 1 risk-based capital ratio | 17.4773% | 2,486 |
| Total risk-based capital ratio | 18.5975% | 2,501 |
| Memoranda: | ||
| Average total assets | $41,894,000 | 6,607 |
| Average earning assets | $37,768,500 | 6,610 |
| Average equity | $5,025,500 | 6,420 |
| Average total loans | $27,784,000 | 6,206 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1885% | 2,113 |
| Cost of funding earning assets | 0.8639% | 4,364 |
| Net interest margin | 4.3247% | 1,622 |
| Noninterest income to average assets | 0.3997% | 4,615 |
| Noninterest expense to average assets | 2.8395% | 4,199 |
| Loan and lease loss provision to assets | 0.0609% | 5,849 |
| Net operating income to assets | 0.9433% | 2,437 |
| Return on assets (ROA) | 0.9433% | 2,558 |
| Pretax return on assets | 1.4161% | 1,730 |
| Return on Equity (ROE) | 7.7949% | 3,015 |
| Retained earnings to average equity (ytd only) | 2.6386% | 4,351 |
| Net charge-offs to loans | 0.0174% | 6,196 |
| Credit loss provision to net charge-offs | 500.0000% | 453 |
| Earnings coverage of net charge-offs (x) | 121.2000% | 270 |
| Efficiency ratio | 65.7820% | 4,818 |
| Assets per employee ($millions) | 4.0887% | 3,670 |
| Cash dividends to net income (ytd only)* | 66.1499% | 1,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 5,716 |
| Loan loss allowance to noncurrent loans | 5,366.6667% | 115 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 6,942 |
| Noncurrent loans to loans | 0.0209% | 6,774 |
| Net loans and leases to total assets | 69.2592% | 2,163 |
| Net loans and leases to deposits | 80.4443% | 2,439 |
| Net loans and leases to core deposits | 83.5882% | 2,944 |
| Total domestic deposits to total assets | 86.0958% | 3,264 |
| Equity capital to assets | 12.3731% | 1,872 |
| Core capital (leverage) ratio | 12.5236% | 1,340 |
| Tier 1 risk-based capital ratio | 14.9937% | 3,645 |
| Total risk-based capital ratio | 15.9528% | 3,807 |
| Memoranda: | ||
| Average total assets | $41,027,800 | 6,639 |
| Average earning assets | $37,159,000 | 6,634 |
| Average equity | $4,964,800 | 6,454 |
| Average total loans | $28,788,400 | 6,211 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2024% | 2,198 |
| Cost of funding earning assets | 0.8915% | 4,457 |
| Net interest margin | 4.3108% | 1,675 |
| Noninterest income to average assets | 0.4091% | 4,601 |
| Noninterest expense to average assets | 2.8378% | 4,199 |
| Loan and lease loss provision to assets | 0.0779% | 5,467 |
| Net operating income to assets | 0.9351% | 2,591 |
| Return on assets (ROA) | 0.9351% | 2,753 |
| Pretax return on assets | 1.4027% | 1,938 |
| Return on Equity (ROE) | 7.7711% | 3,149 |
| Retained earnings to average equity (ytd only) | 0.8635% | 5,665 |
| Net charge-offs to loans | 0.0185% | 5,898 |
| Credit loss provision to net charge-offs | 600.0000% | 448 |
| Earnings coverage of net charge-offs (x) | 114.0675% | 313 |
| Efficiency ratio | 65.7143% | 4,766 |
| Assets per employee ($millions) | 3.9646% | 3,931 |
| Cash dividends to net income (ytd only)* | 88.8877% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1724% | 5,579 |
| Loan loss allowance to noncurrent loans | 2,683.3333% | 166 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 6,983 |
| Noncurrent loans to loans | 0.0437% | 6,830 |
| Net loans and leases to total assets | 68.4634% | 2,386 |
| Net loans and leases to deposits | 79.8793% | 2,671 |
| Net loans and leases to core deposits | 83.1078% | 3,171 |
| Total domestic deposits to total assets | 85.7085% | 3,375 |
| Equity capital to assets | 12.5309% | 1,906 |
| Core capital (leverage) ratio | 12.3539% | 1,511 |
| Tier 1 risk-based capital ratio | 16.9024% | 2,677 |
| Total risk-based capital ratio | 18.0053% | 2,712 |
| Memoranda: | ||
| Average total assets | $41,063,000 | 6,692 |
| Average earning assets | $37,238,500 | 6,692 |
| Average equity | $4,941,250 | 6,516 |
| Average total loans | $28,825,500 | 6,270 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1687% | 2,381 |
| Cost of funding earning assets | 0.9099% | 4,586 |
| Net interest margin | 4.2587% | 1,805 |
| Noninterest income to average assets | 0.4237% | 4,478 |
| Noninterest expense to average assets | 2.7928% | 4,449 |
| Loan and lease loss provision to assets | 0.0867% | 5,229 |
| Net operating income to assets | 0.9438% | 2,462 |
| Return on assets (ROA) | 0.9438% | 2,554 |
| Pretax return on assets | 1.4205% | 1,751 |
| Return on Equity (ROE) | 7.9476% | 2,966 |
| Retained earnings to average equity (ytd only) | 2.7573% | 4,526 |
| Net charge-offs to loans | 0.0137% | 5,656 |
| Credit loss provision to net charge-offs | 900.0000% | 355 |
| Earnings coverage of net charge-offs (x) | 156.5000% | 230 |
| Efficiency ratio | 64.9496% | 5,072 |
| Assets per employee ($millions) | 4.0406% | 3,676 |
| Cash dividends to net income (ytd only)* | 65.3061% | 1,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1240% | 5,855 |
| Loan loss allowance to noncurrent loans | 44.8519% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 1.7547% | 3,568 |
| Noncurrent loans to loans | 2.5059% | 2,881 |
| Net loans and leases to total assets | 69.2348% | 2,371 |
| Net loans and leases to deposits | 80.5360% | 2,701 |
| Net loans and leases to core deposits | 84.3408% | 3,160 |
| Total domestic deposits to total assets | 85.9674% | 3,345 |
| Equity capital to assets | 12.3695% | 1,862 |
| Core capital (leverage) ratio | 11.9217% | 1,643 |
| Tier 1 risk-based capital ratio | 16.4011% | 2,789 |
| Total risk-based capital ratio | 17.4503% | 2,852 |
| Memoranda: | ||
| Average total assets | $41,535,330 | 6,729 |
| Average earning assets | $37,804,670 | 6,722 |
| Average equity | $4,932,330 | 6,558 |
| Average total loans | $29,279,000 | 6,318 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1491% | 2,439 |
| Cost of funding earning assets | 0.9333% | 4,698 |
| Net interest margin | 4.2158% | 1,850 |
| Noninterest income to average assets | 0.4086% | 4,642 |
| Noninterest expense to average assets | 2.6983% | 4,841 |
| Loan and lease loss provision to assets | 0.0760% | 5,049 |
| Net operating income to assets | 0.9596% | 2,316 |
| Return on assets (ROA) | 0.9596% | 2,383 |
| Pretax return on assets | 1.4537% | 1,589 |
| Return on Equity (ROE) | 8.2457% | 2,802 |
| Retained earnings to average equity (ytd only) | -2.2043% | 6,182 |
| Net charge-offs to loans | 0.0269% | 4,715 |
| Credit loss provision to net charge-offs | 400.0000% | 835 |
| Earnings coverage of net charge-offs (x) | 80.5000% | 385 |
| Efficiency ratio | 63.8202% | 5,389 |
| Assets per employee ($millions) | 4.2934% | 3,260 |
| Cash dividends to net income (ytd only)* | 126.7327% | 422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0844% | 6,107 |
| Loan loss allowance to noncurrent loans | 1,621.0526% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0443% | 7,053 |
| Noncurrent loans to loans | 0.0669% | 6,874 |
| Net loans and leases to total assets | 65.4400% | 3,144 |
| Net loans and leases to deposits | 75.3224% | 3,536 |
| Net loans and leases to core deposits | 78.6210% | 3,938 |
| Total domestic deposits to total assets | 86.8799% | 3,010 |
| Equity capital to assets | 11.3779% | 2,362 |
| Core capital (leverage) ratio | 11.1976% | 2,032 |
| Tier 1 risk-based capital ratio | 15.5825% | 3,114 |
| Total risk-based capital ratio | 16.5670% | 3,214 |
| Memoranda: | ||
| Average total assets | $42,100,000 | 6,756 |
| Average earning assets | $38,142,500 | 6,754 |
| Average equity | $4,899,500 | 6,593 |
| Average total loans | $29,772,000 | 6,347 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4899% | 2,330 |
| Cost of funding earning assets | 1.1953% | 4,588 |
| Net interest margin | 4.2946% | 1,833 |
| Noninterest income to average assets | 0.5352% | 3,921 |
| Noninterest expense to average assets | 2.8723% | 4,344 |
| Loan and lease loss provision to assets | 0.0589% | 6,552 |
| Net operating income to assets | 0.9820% | 2,099 |
| Return on assets (ROA) | 0.9820% | 2,214 |
| Pretax return on assets | 1.5024% | 1,367 |
| Return on Equity (ROE) | 8.3167% | 2,572 |
| Retained earnings to average equity (ytd only) | 3.2851% | 3,570 |
| Net charge-offs to loans | 0.0906% | 5,936 |
| Credit loss provision to net charge-offs | 88.8889% | 5,173 |
| Earnings coverage of net charge-offs (x) | 23.5556% | 897 |
| Efficiency ratio | 64.7841% | 5,203 |
| Assets per employee ($millions) | 4.1266% | 3,518 |
| Cash dividends to net income (ytd only)* | 60.5000% | 1,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9698% | 6,489 |
| Loan loss allowance to noncurrent loans | 10,066.6667% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 7,241 |
| Noncurrent loans to loans | 0.0096% | 7,135 |
| Net loans and leases to total assets | 74.7298% | 1,536 |
| Net loans and leases to deposits | 86.5628% | 1,997 |
| Net loans and leases to core deposits | 92.1528% | 2,483 |
| Total domestic deposits to total assets | 86.3302% | 3,181 |
| Equity capital to assets | 11.9081% | 1,962 |
| Core capital (leverage) ratio | 11.8713% | 1,636 |
| Tier 1 risk-based capital ratio | 14.9789% | 3,265 |
| Total risk-based capital ratio | 15.9017% | 3,412 |
| Memoranda: | ||
| Average total assets | $40,733,800 | 6,834 |
| Average earning assets | $36,976,800 | 6,841 |
| Average equity | $4,809,600 | 6,721 |
| Average total loans | $29,813,800 | 6,407 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4628% | 2,589 |
| Cost of funding earning assets | 1.2381% | 4,640 |
| Net interest margin | 4.2247% | 2,127 |
| Noninterest income to average assets | 0.5451% | 3,826 |
| Noninterest expense to average assets | 2.8242% | 4,378 |
| Loan and lease loss provision to assets | 0.0460% | 6,632 |
| Net operating income to assets | 0.9852% | 2,291 |
| Return on assets (ROA) | 0.9852% | 2,403 |
| Pretax return on assets | 1.5073% | 1,593 |
| Return on Equity (ROE) | 8.3619% | 2,766 |
| Retained earnings to average equity (ytd only) | 1.6166% | 5,144 |
| Net charge-offs to loans | 0.1221% | 5,325 |
| Credit loss provision to net charge-offs | 51.8519% | 5,856 |
| Earnings coverage of net charge-offs (x) | 17.5181% | 1,321 |
| Efficiency ratio | 64.5161% | 5,149 |
| Assets per employee ($millions) | 3.6948% | 4,519 |
| Cash dividends to net income (ytd only)* | 80.6670% | 637 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0012% | 6,389 |
| Loan loss allowance to noncurrent loans | 2,920.0000% | 123 |
| Noncurrent assets plus other real estate owned to assets | 0.0246% | 7,296 |
| Noncurrent loans to loans | 0.0343% | 7,163 |
| Net loans and leases to total assets | 71.0430% | 2,482 |
| Net loans and leases to deposits | 82.4288% | 3,027 |
| Net loans and leases to core deposits | 86.2580% | 3,615 |
| Total domestic deposits to total assets | 86.1870% | 2,982 |
| Equity capital to assets | 11.8717% | 2,238 |
| Core capital (leverage) ratio | 11.6481% | 1,846 |
| Tier 1 risk-based capital ratio | 15.5337% | 2,980 |
| Total risk-based capital ratio | 16.4785% | 3,110 |
| Memoranda: | ||
| Average total assets | $40,600,750 | 6,917 |
| Average earning assets | $36,829,750 | 6,925 |
| Average equity | $4,783,500 | 6,818 |
| Average total loans | $29,482,250 | 6,510 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4242% | 2,868 |
| Cost of funding earning assets | 1.2667% | 4,733 |
| Net interest margin | 4.1575% | 2,300 |
| Noninterest income to average assets | 0.4583% | 4,453 |
| Noninterest expense to average assets | 2.8088% | 4,445 |
| Loan and lease loss provision to assets | 0.0197% | 6,733 |
| Net operating income to assets | 0.9264% | 2,448 |
| Return on assets (ROA) | 0.9264% | 2,546 |
| Pretax return on assets | 1.4143% | 1,803 |
| Return on Equity (ROE) | 7.8831% | 2,925 |
| Retained earnings to average equity (ytd only) | 3.1029% | 4,137 |
| Net charge-offs to loans | 0.1757% | 4,557 |
| Credit loss provision to net charge-offs | 15.3846% | 5,890 |
| Earnings coverage of net charge-offs (x) | 11.1923% | 1,794 |
| Efficiency ratio | 66.2021% | 4,949 |
| Assets per employee ($millions) | 3.7154% | 4,421 |
| Cash dividends to net income (ytd only)* | 60.6383% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9689% | 6,526 |
| Loan loss allowance to noncurrent loans | 101.4337% | 2,718 |
| Noncurrent assets plus other real estate owned to assets | 0.6827% | 5,788 |
| Noncurrent loans to loans | 0.9552% | 5,396 |
| Net loans and leases to total assets | 70.7774% | 2,718 |
| Net loans and leases to deposits | 81.9689% | 3,279 |
| Net loans and leases to core deposits | 85.1040% | 3,976 |
| Total domestic deposits to total assets | 86.3466% | 2,906 |
| Equity capital to assets | 11.8231% | 2,202 |
| Core capital (leverage) ratio | 11.5488% | 1,885 |
| Tier 1 risk-based capital ratio | 15.4853% | 2,900 |
| Total risk-based capital ratio | 16.3950% | 3,038 |
| Memoranda: | ||
| Average total assets | $40,586,670 | 6,977 |
| Average earning assets | $36,945,330 | 6,969 |
| Average equity | $4,769,670 | 6,854 |
| Average total loans | $29,587,670 | 6,552 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4240% | 2,924 |
| Cost of funding earning assets | 1.3179% | 4,705 |
| Net interest margin | 4.1061% | 2,413 |
| Noninterest income to average assets | 0.4352% | 4,605 |
| Noninterest expense to average assets | 2.7988% | 4,485 |
| Loan and lease loss provision to assets | 0.0396% | 6,280 |
| Net operating income to assets | 0.8901% | 2,594 |
| Return on assets (ROA) | 0.8901% | 2,663 |
| Pretax return on assets | 1.3252% | 1,980 |
| Return on Equity (ROE) | 7.5973% | 3,070 |
| Retained earnings to average equity (ytd only) | -2.0260% | 6,216 |
| Net charge-offs to loans | 0.3627% | 2,964 |
| Credit loss provision to net charge-offs | 14.8148% | 4,999 |
| Earnings coverage of net charge-offs (x) | 5.1111% | 2,465 |
| Efficiency ratio | 67.2209% | 4,876 |
| Assets per employee ($millions) | 3.7913% | 4,338 |
| Cash dividends to net income (ytd only)* | 126.6667% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9659% | 6,620 |
| Loan loss allowance to noncurrent loans | 4,028.5714% | 89 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 7,455 |
| Noncurrent loans to loans | 0.0240% | 7,353 |
| Net loans and leases to total assets | 69.3339% | 3,083 |
| Net loans and leases to deposits | 79.7259% | 3,706 |
| Net loans and leases to core deposits | 81.2151% | 4,590 |
| Total domestic deposits to total assets | 86.9653% | 2,642 |
| Equity capital to assets | 11.3298% | 2,477 |
| Core capital (leverage) ratio | 11.3667% | 1,990 |
| Tier 1 risk-based capital ratio | 15.3100% | 2,964 |
| Total risk-based capital ratio | 16.2249% | 3,087 |
| Memoranda: | ||
| Average total assets | $40,445,500 | 7,071 |
| Average earning assets | $36,726,000 | 7,068 |
| Average equity | $4,738,500 | 6,933 |
| Average total loans | $29,777,000 | 6,618 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2456% | 1,131 |
| Cost of funding earning assets | 1.6168% | 4,958 |
| Net interest margin | 4.6288% | 934 |
| Noninterest income to average assets | 0.5359% | 4,133 |
| Noninterest expense to average assets | 2.8945% | 4,549 |
| Loan and lease loss provision to assets | 0.0051% | 7,405 |
| Net operating income to assets | 1.1224% | 1,462 |
| Return on assets (ROA) | 1.1224% | 1,492 |
| Pretax return on assets | 1.7038% | 772 |
| Return on Equity (ROE) | 9.6087% | 1,815 |
| Retained earnings to average equity (ytd only) | 5.1939% | 1,721 |
| Net charge-offs to loans | 0.0234% | 6,908 |
| Credit loss provision to net charge-offs | 28.5714% | 6,904 |
| Earnings coverage of net charge-offs (x) | 96.5714% | 284 |
| Efficiency ratio | 62.8775% | 5,988 |
| Assets per employee ($millions) | 3.5625% | 4,866 |
| Cash dividends to net income (ytd only)* | 45.9459% | 2,663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0047% | 6,347 |
| Loan loss allowance to noncurrent loans | 924.2424% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.0842% | 7,289 |
| Noncurrent loans to loans | 0.1087% | 7,142 |
| Net loans and leases to total assets | 76.6887% | 1,650 |
| Net loans and leases to deposits | 88.9086% | 2,404 |
| Net loans and leases to core deposits | 104.3327% | 3,533 |
| Total domestic deposits to total assets | 86.2556% | 2,886 |
| Equity capital to assets | 12.1265% | 1,955 |
| Core capital (leverage) ratio | 12.0764% | 1,630 |
| Tier 1 risk-based capital ratio | 15.1104% | 2,881 |
| Total risk-based capital ratio | 16.0821% | 2,984 |
| Memoranda: | ||
| Average total assets | $39,557,600 | 7,113 |
| Average earning assets | $34,760,400 | 7,146 |
| Average equity | $4,620,800 | 7,072 |
| Average total loans | $29,862,800 | 6,629 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2332% | 1,288 |
| Cost of funding earning assets | 1.6811% | 4,991 |
| Net interest margin | 4.5521% | 1,072 |
| Noninterest income to average assets | 0.5414% | 4,147 |
| Noninterest expense to average assets | 2.8213% | 4,811 |
| Loan and lease loss provision to assets | 0.0034% | 7,272 |
| Net operating income to assets | 1.1231% | 1,661 |
| Return on assets (ROA) | 1.1231% | 1,729 |
| Pretax return on assets | 1.7049% | 966 |
| Return on Equity (ROE) | 9.7062% | 2,031 |
| Retained earnings to average equity (ytd only) | 3.7779% | 3,173 |
| Net charge-offs to loans | 0.0224% | 6,580 |
| Credit loss provision to net charge-offs | 20.0000% | 6,573 |
| Earnings coverage of net charge-offs (x) | 101.5472% | 357 |
| Efficiency ratio | 62.2866% | 6,057 |
| Assets per employee ($millions) | 3.1896% | 5,677 |
| Cash dividends to net income (ytd only)* | 61.0774% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9978% | 6,308 |
| Loan loss allowance to noncurrent loans | 364.2857% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.2195% | 6,970 |
| Noncurrent loans to loans | 0.2739% | 6,828 |
| Net loans and leases to total assets | 79.3233% | 1,320 |
| Net loans and leases to deposits | 92.5753% | 2,139 |
| Net loans and leases to core deposits | 108.7740% | 3,376 |
| Total domestic deposits to total assets | 85.6852% | 2,869 |
| Equity capital to assets | 12.1385% | 2,164 |
| Core capital (leverage) ratio | 11.8681% | 1,853 |
| Tier 1 risk-based capital ratio | 14.8302% | 3,120 |
| Total risk-based capital ratio | 15.8095% | 3,195 |
| Memoranda: | ||
| Average total assets | $39,650,250 | 7,169 |
| Average earning assets | $34,737,750 | 7,219 |
| Average equity | $4,588,000 | 7,149 |
| Average total loans | $29,739,250 | 6,697 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2495% | 1,332 |
| Cost of funding earning assets | 1.7591% | 4,949 |
| Net interest margin | 4.4904% | 1,186 |
| Noninterest income to average assets | 0.5286% | 4,201 |
| Noninterest expense to average assets | 2.7475% | 5,187 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.0870% | 1,816 |
| Return on assets (ROA) | 1.0870% | 1,895 |
| Pretax return on assets | 1.6505% | 1,112 |
| Return on Equity (ROE) | 9.5433% | 2,173 |
| Retained earnings to average equity (ytd only) | 5.0781% | 2,465 |
| Net charge-offs to loans | 0.0544% | 5,731 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | 41.3750% | 791 |
| Efficiency ratio | 62.4717% | 6,173 |
| Assets per employee ($millions) | 3.6345% | 4,486 |
| Cash dividends to net income (ytd only)* | 46.7890% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0346% | 5,990 |
| Loan loss allowance to noncurrent loans | 2,157.1429% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0350% | 7,523 |
| Noncurrent loans to loans | 0.0480% | 7,419 |
| Net loans and leases to total assets | 72.2554% | 3,147 |
| Net loans and leases to deposits | 83.3993% | 3,980 |
| Net loans and leases to core deposits | 100.1282% | 4,496 |
| Total domestic deposits to total assets | 86.6380% | 2,439 |
| Equity capital to assets | 11.5911% | 2,478 |
| Core capital (leverage) ratio | 11.5311% | 2,069 |
| Tier 1 risk-based capital ratio | 15.2735% | 2,894 |
| Total risk-based capital ratio | 16.2721% | 2,947 |
| Memoranda: | ||
| Average total assets | $40,108,670 | 7,203 |
| Average earning assets | $34,562,670 | 7,290 |
| Average equity | $4,568,670 | 7,216 |
| Average total loans | $29,430,000 | 6,768 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3308% | 1,217 |
| Cost of funding earning assets | 1.8121% | 5,059 |
| Net interest margin | 4.5187% | 1,087 |
| Noninterest income to average assets | 0.4978% | 4,333 |
| Noninterest expense to average assets | 2.5788% | 5,537 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1749% | 1,727 |
| Return on assets (ROA) | 1.1749% | 1,836 |
| Pretax return on assets | 1.7922% | 990 |
| Return on Equity (ROE) | 10.4056% | 2,168 |
| Retained earnings to average equity (ytd only) | 1.4109% | 5,072 |
| Net charge-offs to loans | 0.0135% | 5,410 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 180.0000% | 240 |
| Efficiency ratio | 58.9977% | 6,552 |
| Assets per employee ($millions) | 3.8577% | 3,965 |
| Cash dividends to net income (ytd only)* | 86.4407% | 939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 5,637 |
| Loan loss allowance to noncurrent loans | 381.4815% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1909% | 6,963 |
| Noncurrent loans to loans | 0.2823% | 6,729 |
| Net loans and leases to total assets | 66.8976% | 4,364 |
| Net loans and leases to deposits | 76.4825% | 5,155 |
| Net loans and leases to core deposits | 90.2008% | 5,536 |
| Total domestic deposits to total assets | 87.4679% | 1,983 |
| Equity capital to assets | 10.6964% | 3,293 |
| Core capital (leverage) ratio | 11.0457% | 2,469 |
| Tier 1 risk-based capital ratio | 14.9659% | 3,083 |
| Total risk-based capital ratio | 15.9890% | 3,121 |
| Memoranda: | ||
| Average total assets | $40,173,500 | 7,242 |
| Average earning assets | $34,435,000 | 7,336 |
| Average equity | $4,536,000 | 7,279 |
| Average total loans | $29,550,500 | 6,794 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7924% | 1,706 |
| Cost of funding earning assets | 2.0671% | 6,176 |
| Net interest margin | 4.7253% | 927 |
| Noninterest income to average assets | 0.5521% | 4,212 |
| Noninterest expense to average assets | 3.0618% | 3,855 |
| Loan and lease loss provision to assets | 0.0634% | 6,608 |
| Net operating income to assets | 1.1809% | 1,837 |
| Return on assets (ROA) | 1.1809% | 1,767 |
| Pretax return on assets | 1.7990% | 948 |
| Return on Equity (ROE) | 10.2279% | 2,176 |
| Retained earnings to average equity (ytd only) | 6.4754% | 1,341 |
| Net charge-offs to loans | 0.0444% | 6,148 |
| Credit loss provision to net charge-offs | 184.6154% | 2,687 |
| Earnings coverage of net charge-offs (x) | 54.2308% | 726 |
| Efficiency ratio | 62.1781% | 5,921 |
| Assets per employee ($millions) | 3.1593% | 5,594 |
| Cash dividends to net income (ytd only)* | 36.6890% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 5,853 |
| Loan loss allowance to noncurrent loans | 1,631.5789% | 351 |
| Noncurrent assets plus other real estate owned to assets | 0.0501% | 7,380 |
| Noncurrent loans to loans | 0.0625% | 7,256 |
| Net loans and leases to total assets | 79.3786% | 1,807 |
| Net loans and leases to deposits | 92.3185% | 3,079 |
| Net loans and leases to core deposits | 108.2207% | 3,941 |
| Total domestic deposits to total assets | 85.9833% | 2,411 |
| Equity capital to assets | 11.9566% | 2,312 |
| Core capital (leverage) ratio | 12.0331% | 1,948 |
| Tier 1 risk-based capital ratio | 14.6553% | 3,228 |
| Total risk-based capital ratio | 15.6639% | 3,248 |
| Memoranda: | ||
| Average total assets | $37,853,800 | 7,310 |
| Average earning assets | $35,024,600 | 7,284 |
| Average equity | $4,370,400 | 7,367 |
| Average total loans | $29,262,800 | 6,755 |