Home > The Citizens State Bank > Performance and Condition Ratios
The Citizens State Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4806% | 6,816 |
| Cost of funding earning assets | 0.4770% | 4,304 |
| Net interest margin | 2.0036% | 6,840 |
| Noninterest income to average assets | 0.1119% | 6,532 |
| Noninterest expense to average assets | 1.3058% | 6,874 |
| Loan and lease loss provision to assets | 0.1244% | 2,680 |
| Net operating income to assets | 0.2403% | 5,760 |
| Return on assets (ROA) | 0.7710% | 3,465 |
| Pretax return on assets | 0.7959% | 4,187 |
| Return on Equity (ROE) | 8.9273% | 2,515 |
| Retained earnings to average equity (ytd only) | 0.5760% | 5,600 |
| Net charge-offs to loans | -0.0623% | 6,228 |
| Credit loss provision to net charge-offs | -500.0000% | 5,464 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0741% | 3,254 |
| Assets per employee ($millions) | 7.4295% | 624 |
| Cash dividends to net income (ytd only)* | 93.5484% | 715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0900% | 6,940 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 44.8247% | 5,576 |
| Net loans and leases to deposits | 50.2281% | 5,771 |
| Net loans and leases to core deposits | 53.6791% | 5,695 |
| Total domestic deposits to total assets | 89.2422% | 1,530 |
| Equity capital to assets | 9.7214% | 4,533 |
| Core capital (leverage) ratio | 8.7583% | 5,250 |
| Tier 1 risk-based capital ratio | 16.1172% | 3,197 |
| Total risk-based capital ratio | 16.1869% | 3,848 |
| Memoranda: | ||
| Average total assets | $32,164,000 | 6,662 |
| Average earning assets | $25,155,000 | 6,742 |
| Average equity | $2,778,000 | 6,769 |
| Average total loans | $12,851,000 | 6,665 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3801% | 3,896 |
| Cost of funding earning assets | 0.8805% | 2,068 |
| Net interest margin | 3.4996% | 4,502 |
| Noninterest income to average assets | 0.1875% | 6,062 |
| Noninterest expense to average assets | 2.4344% | 5,304 |
| Loan and lease loss provision to assets | 0.0208% | 5,638 |
| Net operating income to assets | 0.4982% | 4,703 |
| Return on assets (ROA) | 0.9136% | 2,986 |
| Pretax return on assets | 0.9196% | 3,866 |
| Return on Equity (ROE) | 9.5478% | 2,385 |
| Retained earnings to average equity (ytd only) | -16.6076% | 6,799 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3766% | 1,821 |
| Assets per employee ($millions) | 8.6525% | 371 |
| Cash dividends to net income (ytd only)* | 273.9414% | 79 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5442% | 3,548 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 35.1864% | 6,485 |
| Net loans and leases to deposits | 38.1504% | 6,632 |
| Net loans and leases to core deposits | 39.9659% | 6,619 |
| Total domestic deposits to total assets | 92.2306% | 206 |
| Equity capital to assets | 7.7059% | 6,551 |
| Core capital (leverage) ratio | 7.0850% | 6,676 |
| Tier 1 risk-based capital ratio | 15.1654% | 3,631 |
| Total risk-based capital ratio | 16.2626% | 3,666 |
| Memoranda: | ||
| Average total assets | $33,602,200 | 6,668 |
| Average earning assets | $26,574,600 | 6,751 |
| Average equity | $3,215,400 | 6,741 |
| Average total loans | $13,093,600 | 6,735 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3218% | 4,359 |
| Cost of funding earning assets | 0.8841% | 2,280 |
| Net interest margin | 3.4377% | 4,887 |
| Noninterest income to average assets | 0.1879% | 6,172 |
| Noninterest expense to average assets | 2.2588% | 5,797 |
| Loan and lease loss provision to assets | 0.0160% | 5,609 |
| Net operating income to assets | 0.6921% | 3,949 |
| Return on assets (ROA) | 1.1394% | 2,146 |
| Pretax return on assets | 1.1474% | 3,170 |
| Return on Equity (ROE) | 11.3345% | 1,843 |
| Retained earnings to average equity (ytd only) | 7.9541% | 1,634 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0431% | 2,672 |
| Assets per employee ($millions) | 7.4974% | 597 |
| Cash dividends to net income (ytd only)* | 29.8245% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3875% | 4,433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 35.8338% | 6,559 |
| Net loans and leases to deposits | 39.4844% | 6,694 |
| Net loans and leases to core deposits | 41.8917% | 6,672 |
| Total domestic deposits to total assets | 90.7541% | 497 |
| Equity capital to assets | 9.1338% | 5,663 |
| Core capital (leverage) ratio | 9.1379% | 4,851 |
| Tier 1 risk-based capital ratio | 17.2964% | 2,608 |
| Total risk-based capital ratio | 18.2652% | 2,682 |
| Memoranda: | ||
| Average total assets | $33,350,250 | 6,752 |
| Average earning assets | $26,994,250 | 6,825 |
| Average equity | $3,352,500 | 6,806 |
| Average total loans | $13,274,750 | 6,814 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2209% | 4,880 |
| Cost of funding earning assets | 0.8929% | 2,455 |
| Net interest margin | 3.3280% | 5,355 |
| Noninterest income to average assets | 0.2127% | 6,045 |
| Noninterest expense to average assets | 2.3521% | 5,613 |
| Loan and lease loss provision to assets | 0.0125% | 5,512 |
| Net operating income to assets | 0.6819% | 3,971 |
| Return on assets (ROA) | 1.2386% | 1,773 |
| Pretax return on assets | 1.2261% | 2,820 |
| Return on Equity (ROE) | 11.8966% | 1,698 |
| Retained earnings to average equity (ytd only) | 6.7895% | 2,224 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5258% | 2,518 |
| Assets per employee ($millions) | 5.9202% | 1,285 |
| Cash dividends to net income (ytd only)* | 42.9293% | 2,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4608% | 4,202 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 35.5114% | 6,635 |
| Net loans and leases to deposits | 39.2862% | 6,760 |
| Net loans and leases to core deposits | 41.4907% | 6,752 |
| Total domestic deposits to total assets | 90.3916% | 719 |
| Equity capital to assets | 9.5127% | 5,039 |
| Core capital (leverage) ratio | 9.2680% | 4,499 |
| Tier 1 risk-based capital ratio | 18.4694% | 2,144 |
| Total risk-based capital ratio | 19.5201% | 2,174 |
| Memoranda: | ||
| Average total assets | $31,971,330 | 6,846 |
| Average earning assets | $27,103,000 | 6,873 |
| Average equity | $3,328,670 | 6,847 |
| Average total loans | $13,159,000 | 6,876 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2928% | 4,766 |
| Cost of funding earning assets | 0.9456% | 2,336 |
| Net interest margin | 3.3472% | 5,312 |
| Noninterest income to average assets | 0.2252% | 6,009 |
| Noninterest expense to average assets | 2.6493% | 4,625 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5828% | 4,427 |
| Return on assets (ROA) | 1.0995% | 2,278 |
| Pretax return on assets | 1.0465% | 3,511 |
| Return on Equity (ROE) | 10.0499% | 2,390 |
| Retained earnings to average equity (ytd only) | 6.4174% | 2,726 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,753 |
| Assets per employee ($millions) | 4.4169% | 3,161 |
| Cash dividends to net income (ytd only)* | 36.1446% | 1,887 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4353% | 4,446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 41.0893% | 6,257 |
| Net loans and leases to deposits | 46.0140% | 6,431 |
| Net loans and leases to core deposits | 49.0426% | 6,394 |
| Total domestic deposits to total assets | 89.2975% | 1,480 |
| Equity capital to assets | 10.5925% | 3,382 |
| Core capital (leverage) ratio | 10.7407% | 2,507 |
| Tier 1 risk-based capital ratio | 19.7371% | 1,772 |
| Total risk-based capital ratio | 20.8682% | 1,780 |
| Memoranda: | ||
| Average total assets | $30,196,500 | 6,942 |
| Average earning assets | $26,649,000 | 6,942 |
| Average equity | $3,303,500 | 6,895 |
| Average total loans | $13,338,000 | 6,922 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0099% | 2,837 |
| Cost of funding earning assets | 1.0971% | 2,694 |
| Net interest margin | 3.9128% | 3,280 |
| Noninterest income to average assets | 0.2241% | 5,931 |
| Noninterest expense to average assets | 3.2188% | 2,795 |
| Loan and lease loss provision to assets | 0.0340% | 6,136 |
| Net operating income to assets | 0.4089% | 4,820 |
| Return on assets (ROA) | 0.5908% | 4,224 |
| Pretax return on assets | 0.6281% | 4,601 |
| Return on Equity (ROE) | 5.5070% | 4,128 |
| Retained earnings to average equity (ytd only) | 2.1838% | 4,659 |
| Net charge-offs to loans | 0.0070% | 6,336 |
| Credit loss provision to net charge-offs | 1,000.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 246 |
| Efficiency ratio | 87.2928% | 1,414 |
| Assets per employee ($millions) | 4.2107% | 3,446 |
| Cash dividends to net income (ytd only)* | 60.3448% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 4,699 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 46.1476% | 6,002 |
| Net loans and leases to deposits | 52.1090% | 6,202 |
| Net loans and leases to core deposits | 54.6309% | 6,254 |
| Total domestic deposits to total assets | 88.5598% | 1,814 |
| Equity capital to assets | 11.3045% | 2,688 |
| Core capital (leverage) ratio | 10.4635% | 2,768 |
| Tier 1 risk-based capital ratio | 18.9176% | 1,926 |
| Total risk-based capital ratio | 20.0203% | 1,929 |
| Memoranda: | ||
| Average total assets | $29,452,200 | 6,983 |
| Average earning assets | $26,068,600 | 6,987 |
| Average equity | $3,159,600 | 6,979 |
| Average total loans | $14,320,200 | 6,935 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1514% | 2,383 |
| Cost of funding earning assets | 1.1152% | 2,880 |
| Net interest margin | 4.0362% | 2,746 |
| Noninterest income to average assets | 0.2219% | 6,034 |
| Noninterest expense to average assets | 2.8118% | 4,298 |
| Loan and lease loss provision to assets | 0.0317% | 6,046 |
| Net operating income to assets | 0.9184% | 2,676 |
| Return on assets (ROA) | 1.0414% | 2,325 |
| Pretax return on assets | 1.0776% | 3,104 |
| Return on Equity (ROE) | 9.8399% | 2,258 |
| Retained earnings to average equity (ytd only) | 6.4175% | 2,281 |
| Net charge-offs to loans | 0.0092% | 6,033 |
| Credit loss provision to net charge-offs | 700.0000% | 384 |
| Earnings coverage of net charge-offs (x) | 217.5414% | 179 |
| Efficiency ratio | 74.1050% | 3,155 |
| Assets per employee ($millions) | 4.3016% | 3,273 |
| Cash dividends to net income (ytd only)* | 34.7812% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2150% | 5,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 49.1448% | 5,818 |
| Net loans and leases to deposits | 55.6211% | 6,063 |
| Net loans and leases to core deposits | 60.0325% | 5,994 |
| Total domestic deposits to total assets | 88.3564% | 1,836 |
| Equity capital to assets | 11.4576% | 2,723 |
| Core capital (leverage) ratio | 10.8663% | 2,508 |
| Tier 1 risk-based capital ratio | 18.1327% | 2,207 |
| Total risk-based capital ratio | 19.1466% | 2,255 |
| Memoranda: | ||
| Average total assets | $29,446,500 | 7,052 |
| Average earning assets | $26,063,250 | 7,056 |
| Average equity | $3,116,500 | 7,045 |
| Average total loans | $14,453,500 | 7,000 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1064% | 2,650 |
| Cost of funding earning assets | 1.1127% | 3,147 |
| Net interest margin | 3.9936% | 2,867 |
| Noninterest income to average assets | 0.2258% | 6,055 |
| Noninterest expense to average assets | 2.7374% | 4,667 |
| Loan and lease loss provision to assets | 0.0342% | 5,884 |
| Net operating income to assets | 1.0074% | 2,198 |
| Return on assets (ROA) | 1.0539% | 2,121 |
| Pretax return on assets | 1.0881% | 2,902 |
| Return on Equity (ROE) | 10.2485% | 2,034 |
| Retained earnings to average equity (ytd only) | 4.9246% | 3,047 |
| Net charge-offs to loans | 0.0280% | 5,438 |
| Credit loss provision to net charge-offs | 250.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 78.5000% | 432 |
| Efficiency ratio | 71.8133% | 3,779 |
| Assets per employee ($millions) | 3.6050% | 4,672 |
| Cash dividends to net income (ytd only)* | 51.9481% | 1,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,440 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 50.0381% | 5,816 |
| Net loans and leases to deposits | 56.5389% | 6,089 |
| Net loans and leases to core deposits | 60.5861% | 6,043 |
| Total domestic deposits to total assets | 88.5021% | 1,848 |
| Equity capital to assets | 11.3523% | 2,643 |
| Core capital (leverage) ratio | 10.9083% | 2,334 |
| Tier 1 risk-based capital ratio | 18.1636% | 2,120 |
| Total risk-based capital ratio | 19.1864% | 2,150 |
| Memoranda: | ||
| Average total assets | $29,225,000 | 7,125 |
| Average earning assets | $26,241,670 | 7,118 |
| Average equity | $3,005,330 | 7,125 |
| Average total loans | $14,278,000 | 7,073 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9713% | 3,246 |
| Cost of funding earning assets | 1.1367% | 3,254 |
| Net interest margin | 3.8346% | 3,446 |
| Noninterest income to average assets | 0.2448% | 5,943 |
| Noninterest expense to average assets | 2.7195% | 4,757 |
| Loan and lease loss provision to assets | 0.0272% | 5,624 |
| Net operating income to assets | 0.9382% | 2,412 |
| Return on assets (ROA) | 0.9382% | 2,475 |
| Pretax return on assets | 0.9382% | 3,373 |
| Return on Equity (ROE) | 9.6134% | 2,245 |
| Retained earnings to average equity (ytd only) | 6.1303% | 2,557 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8007% | 3,550 |
| Assets per employee ($millions) | 3.6590% | 4,632 |
| Cash dividends to net income (ytd only)* | 36.2319% | 1,839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2679% | 5,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 47.3524% | 6,153 |
| Net loans and leases to deposits | 52.7114% | 6,422 |
| Net loans and leases to core deposits | 56.3662% | 6,388 |
| Total domestic deposits to total assets | 89.8333% | 1,251 |
| Equity capital to assets | 10.0403% | 3,728 |
| Core capital (leverage) ratio | 10.8051% | 2,350 |
| Tier 1 risk-based capital ratio | 18.3054% | 2,018 |
| Total risk-based capital ratio | 19.3398% | 2,050 |
| Memoranda: | ||
| Average total assets | $29,417,500 | 7,170 |
| Average earning assets | $26,391,500 | 7,163 |
| Average equity | $2,871,000 | 7,205 |
| Average total loans | $14,112,000 | 7,135 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9004% | 5,030 |
| Cost of funding earning assets | 1.2955% | 3,912 |
| Net interest margin | 3.6049% | 4,794 |
| Noninterest income to average assets | 0.1968% | 6,365 |
| Noninterest expense to average assets | 2.9885% | 3,894 |
| Loan and lease loss provision to assets | 0.0537% | 6,610 |
| Net operating income to assets | 0.2985% | 4,944 |
| Return on assets (ROA) | 0.5726% | 3,951 |
| Pretax return on assets | 0.6263% | 4,238 |
| Return on Equity (ROE) | 6.1772% | 3,532 |
| Retained earnings to average equity (ytd only) | 2.1556% | 4,381 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7511% | 1,417 |
| Assets per employee ($millions) | 3.6954% | 4,477 |
| Cash dividends to net income (ytd only)* | 65.1042% | 1,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2407% | 5,324 |
| Loan loss allowance to noncurrent loans | 3,520.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 7,203 |
| Noncurrent loans to loans | 0.0352% | 7,044 |
| Net loans and leases to total assets | 47.3869% | 6,445 |
| Net loans and leases to deposits | 52.4407% | 6,713 |
| Net loans and leases to core deposits | 57.1773% | 6,625 |
| Total domestic deposits to total assets | 90.3630% | 903 |
| Equity capital to assets | 9.4814% | 4,428 |
| Core capital (leverage) ratio | 9.9965% | 3,099 |
| Tier 1 risk-based capital ratio | 17.6883% | 2,095 |
| Total risk-based capital ratio | 18.6909% | 2,164 |
| Memoranda: | ||
| Average total assets | $33,528,600 | 7,097 |
| Average earning assets | $29,487,400 | 7,111 |
| Average equity | $3,108,200 | 7,249 |
| Average total loans | $14,648,400 | 7,179 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8821% | 5,346 |
| Cost of funding earning assets | 1.3247% | 4,078 |
| Net interest margin | 3.5574% | 5,072 |
| Noninterest income to average assets | 0.1815% | 6,581 |
| Noninterest expense to average assets | 2.3947% | 6,052 |
| Loan and lease loss provision to assets | 0.0502% | 6,582 |
| Net operating income to assets | 0.8170% | 2,928 |
| Return on assets (ROA) | 0.9695% | 2,455 |
| Pretax return on assets | 1.0313% | 3,068 |
| Return on Equity (ROE) | 10.5090% | 1,930 |
| Retained earnings to average equity (ytd only) | 6.5313% | 2,072 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2611% | 3,648 |
| Assets per employee ($millions) | 3.9836% | 3,874 |
| Cash dividends to net income (ytd only)* | 37.8474% | 2,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 5,786 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 46.7570% | 6,635 |
| Net loans and leases to deposits | 52.3982% | 6,871 |
| Net loans and leases to core deposits | 62.7992% | 6,394 |
| Total domestic deposits to total assets | 89.2341% | 1,265 |
| Equity capital to assets | 10.5651% | 3,449 |
| Core capital (leverage) ratio | 9.4385% | 4,004 |
| Tier 1 risk-based capital ratio | 17.1058% | 2,302 |
| Total risk-based capital ratio | 18.0216% | 2,390 |
| Memoranda: | ||
| Average total assets | $34,520,000 | 7,142 |
| Average earning assets | $30,395,750 | 7,160 |
| Average equity | $3,184,500 | 7,314 |
| Average total loans | $14,764,250 | 7,269 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9847% | 5,010 |
| Cost of funding earning assets | 1.3383% | 4,268 |
| Net interest margin | 3.6464% | 4,596 |
| Noninterest income to average assets | 0.1751% | 6,650 |
| Noninterest expense to average assets | 2.4348% | 5,964 |
| Loan and lease loss provision to assets | 0.0452% | 6,519 |
| Net operating income to assets | 0.8047% | 2,950 |
| Return on assets (ROA) | 0.8304% | 2,973 |
| Pretax return on assets | 0.9095% | 3,457 |
| Return on Equity (ROE) | 9.4120% | 2,311 |
| Retained earnings to average equity (ytd only) | 3.3294% | 3,989 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4370% | 3,749 |
| Assets per employee ($millions) | 4.3399% | 3,146 |
| Cash dividends to net income (ytd only)* | 64.6259% | 1,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 5,814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1095% | 7,114 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 41.9828% | 7,044 |
| Net loans and leases to deposits | 46.4559% | 7,230 |
| Net loans and leases to core deposits | 56.2454% | 6,929 |
| Total domestic deposits to total assets | 90.3713% | 732 |
| Equity capital to assets | 9.4386% | 4,803 |
| Core capital (leverage) ratio | 8.6993% | 5,075 |
| Tier 1 risk-based capital ratio | 16.4344% | 2,502 |
| Total risk-based capital ratio | 17.3173% | 2,601 |
| Memoranda: | ||
| Average total assets | $35,403,670 | 7,162 |
| Average earning assets | $30,934,670 | 7,190 |
| Average equity | $3,123,670 | 7,377 |
| Average total loans | $14,661,670 | 7,331 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9430% | 5,260 |
| Cost of funding earning assets | 1.2982% | 4,825 |
| Net interest margin | 3.6449% | 4,515 |
| Noninterest income to average assets | 0.1790% | 6,678 |
| Noninterest expense to average assets | 2.1373% | 6,844 |
| Loan and lease loss provision to assets | 0.0336% | 6,339 |
| Net operating income to assets | 1.1638% | 1,638 |
| Return on assets (ROA) | 1.1638% | 1,713 |
| Pretax return on assets | 1.2757% | 2,118 |
| Return on Equity (ROE) | 13.6528% | 1,114 |
| Retained earnings to average equity (ytd only) | 10.3709% | 1,072 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0130% | 5,830 |
| Assets per employee ($millions) | 4.5120% | 2,935 |
| Cash dividends to net income (ytd only)* | 24.0385% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1252% | 5,894 |
| Loan loss allowance to noncurrent loans | 303.7736% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.2521% | 6,837 |
| Noncurrent loans to loans | 0.3704% | 6,556 |
| Net loans and leases to total assets | 39.1955% | 7,297 |
| Net loans and leases to deposits | 43.0632% | 7,427 |
| Net loans and leases to core deposits | 54.1157% | 7,095 |
| Total domestic deposits to total assets | 91.0184% | 535 |
| Equity capital to assets | 8.7988% | 5,556 |
| Core capital (leverage) ratio | 8.5959% | 5,209 |
| Tier 1 risk-based capital ratio | 16.6346% | 2,397 |
| Total risk-based capital ratio | 17.4941% | 2,503 |
| Memoranda: | ||
| Average total assets | $35,746,000 | 7,246 |
| Average earning assets | $32,045,000 | 7,249 |
| Average equity | $3,047,000 | 7,481 |
| Average total loans | $14,621,500 | 7,423 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2678% | 5,333 |
| Cost of funding earning assets | 1.4916% | 5,544 |
| Net interest margin | 3.7761% | 3,818 |
| Noninterest income to average assets | 0.2060% | 6,635 |
| Noninterest expense to average assets | 2.9584% | 4,311 |
| Loan and lease loss provision to assets | 0.0687% | 6,892 |
| Net operating income to assets | 0.6732% | 3,043 |
| Return on assets (ROA) | 0.7864% | 2,670 |
| Pretax return on assets | 0.8020% | 3,236 |
| Return on Equity (ROE) | 8.4309% | 2,223 |
| Retained earnings to average equity (ytd only) | 4.7508% | 1,946 |
| Net charge-offs to loans | 0.0070% | 7,136 |
| Credit loss provision to net charge-offs | 2,200.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 242.0000% | 116 |
| Efficiency ratio | 79.6639% | 2,930 |
| Assets per employee ($millions) | 4.4245% | 3,058 |
| Cash dividends to net income (ytd only)* | 43.6508% | 2,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 6,096 |
| Loan loss allowance to noncurrent loans | 438.8889% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.1017% | 7,242 |
| Noncurrent loans to loans | 0.2411% | 6,827 |
| Net loans and leases to total assets | 41.7448% | 7,261 |
| Net loans and leases to deposits | 45.5866% | 7,461 |
| Net loans and leases to core deposits | 71.0966% | 6,706 |
| Total domestic deposits to total assets | 91.5725% | 357 |
| Equity capital to assets | 8.2439% | 6,282 |
| Core capital (leverage) ratio | 8.5962% | 5,103 |
| Tier 1 risk-based capital ratio | 16.0843% | 2,481 |
| Total risk-based capital ratio | 16.9208% | 2,593 |
| Memoranda: | ||
| Average total assets | $32,044,600 | 7,400 |
| Average earning assets | $29,765,800 | 7,369 |
| Average equity | $2,989,000 | 7,585 |
| Average total loans | $14,240,400 | 7,487 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3302% | 5,275 |
| Cost of funding earning assets | 1.5347% | 5,690 |
| Net interest margin | 3.7955% | 3,678 |
| Noninterest income to average assets | 0.2222% | 6,638 |
| Noninterest expense to average assets | 2.5293% | 5,981 |
| Loan and lease loss provision to assets | 0.0641% | 6,718 |
| Net operating income to assets | 1.1409% | 1,607 |
| Return on assets (ROA) | 1.1536% | 1,642 |
| Pretax return on assets | 1.1706% | 2,352 |
| Return on Equity (ROE) | 11.9727% | 1,358 |
| Retained earnings to average equity (ytd only) | 8.4254% | 1,004 |
| Net charge-offs to loans | 0.0190% | 6,645 |
| Credit loss provision to net charge-offs | 750.0000% | 506 |
| Earnings coverage of net charge-offs (x) | 142.8165% | 272 |
| Efficiency ratio | 67.4260% | 5,089 |
| Assets per employee ($millions) | 4.2480% | 3,288 |
| Cash dividends to net income (ytd only)* | 29.6286% | 2,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9956% | 6,325 |
| Loan loss allowance to noncurrent loans | 416.6667% | 753 |
| Noncurrent assets plus other real estate owned to assets | 0.1059% | 7,285 |
| Noncurrent loans to loans | 0.2389% | 6,904 |
| Net loans and leases to total assets | 43.8942% | 7,252 |
| Net loans and leases to deposits | 48.5295% | 7,473 |
| Net loans and leases to core deposits | 78.2839% | 6,460 |
| Total domestic deposits to total assets | 90.4484% | 609 |
| Equity capital to assets | 9.3220% | 4,999 |
| Core capital (leverage) ratio | 9.7136% | 3,624 |
| Tier 1 risk-based capital ratio | 16.4543% | 2,450 |
| Total risk-based capital ratio | 17.2541% | 2,558 |
| Memoranda: | ||
| Average total assets | $31,206,750 | 7,496 |
| Average earning assets | $29,016,500 | 7,460 |
| Average equity | $3,006,750 | 7,659 |
| Average total loans | $14,067,000 | 7,564 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4069% | 5,116 |
| Cost of funding earning assets | 1.6149% | 5,687 |
| Net interest margin | 3.7919% | 3,585 |
| Noninterest income to average assets | 0.2444% | 6,536 |
| Noninterest expense to average assets | 2.5495% | 5,947 |
| Loan and lease loss provision to assets | 0.0660% | 6,549 |
| Net operating income to assets | 1.1362% | 1,646 |
| Return on assets (ROA) | 1.1558% | 1,676 |
| Pretax return on assets | 1.1690% | 2,401 |
| Return on Equity (ROE) | 11.8524% | 1,465 |
| Retained earnings to average equity (ytd only) | 6.4341% | 1,829 |
| Net charge-offs to loans | 0.0291% | 6,061 |
| Credit loss provision to net charge-offs | 500.0000% | 917 |
| Earnings coverage of net charge-offs (x) | 92.0000% | 416 |
| Efficiency ratio | 67.7193% | 5,206 |
| Assets per employee ($millions) | 3.7891% | 4,125 |
| Cash dividends to net income (ytd only)* | 45.7143% | 2,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0314% | 6,012 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 45.9011% | 7,198 |
| Net loans and leases to deposits | 50.8478% | 7,445 |
| Net loans and leases to core deposits | 87.1914% | 5,796 |
| Total domestic deposits to total assets | 90.2715% | 722 |
| Equity capital to assets | 9.4613% | 4,656 |
| Core capital (leverage) ratio | 10.0643% | 3,224 |
| Tier 1 risk-based capital ratio | 17.5924% | 2,114 |
| Total risk-based capital ratio | 18.4455% | 2,178 |
| Memoranda: | ||
| Average total assets | $30,281,000 | 7,593 |
| Average earning assets | $28,112,330 | 7,558 |
| Average equity | $2,953,000 | 7,743 |
| Average total loans | $13,733,670 | 7,666 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5403% | 4,692 |
| Cost of funding earning assets | 1.6949% | 5,621 |
| Net interest margin | 3.8455% | 3,269 |
| Noninterest income to average assets | 0.2379% | 6,552 |
| Noninterest expense to average assets | 2.6037% | 5,434 |
| Loan and lease loss provision to assets | 0.0661% | 6,122 |
| Net operating income to assets | 1.1237% | 1,885 |
| Return on assets (ROA) | 1.1498% | 1,927 |
| Pretax return on assets | 1.1631% | 2,751 |
| Return on Equity (ROE) | 11.6174% | 1,783 |
| Retained earnings to average equity (ytd only) | 8.2791% | 1,716 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4028% | 4,892 |
| Assets per employee ($millions) | 3.7318% | 4,268 |
| Cash dividends to net income (ytd only)* | 28.7356% | 2,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 5,823 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 44.9119% | 7,272 |
| Net loans and leases to deposits | 50.0971% | 7,488 |
| Net loans and leases to core deposits | 84.3270% | 6,038 |
| Total domestic deposits to total assets | 89.6496% | 950 |
| Equity capital to assets | 10.0657% | 3,929 |
| Core capital (leverage) ratio | 9.7820% | 3,656 |
| Tier 1 risk-based capital ratio | 18.1813% | 2,008 |
| Total risk-based capital ratio | 19.0544% | 2,048 |
| Memoranda: | ||
| Average total assets | $30,265,000 | 7,640 |
| Average earning assets | $28,085,000 | 7,607 |
| Average equity | $2,995,500 | 7,789 |
| Average total loans | $13,571,000 | 7,721 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8647% | 6,208 |
| Cost of funding earning assets | 2.1435% | 5,865 |
| Net interest margin | 3.7211% | 4,379 |
| Noninterest income to average assets | 0.2982% | 6,327 |
| Noninterest expense to average assets | 3.0249% | 3,987 |
| Loan and lease loss provision to assets | 0.0328% | 6,996 |
| Net operating income to assets | 0.6653% | 4,042 |
| Return on assets (ROA) | 0.7702% | 3,414 |
| Pretax return on assets | 0.7964% | 4,087 |
| Return on Equity (ROE) | 8.2369% | 2,958 |
| Retained earnings to average equity (ytd only) | 4.3814% | 2,392 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7524% | 2,489 |
| Assets per employee ($millions) | 3.8345% | 3,894 |
| Cash dividends to net income (ytd only)* | 46.8085% | 3,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 5,962 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 43.8617% | 7,481 |
| Net loans and leases to deposits | 48.7482% | 7,678 |
| Net loans and leases to core deposits | 77.4255% | 6,774 |
| Total domestic deposits to total assets | 89.9759% | 651 |
| Equity capital to assets | 9.7340% | 4,386 |
| Core capital (leverage) ratio | 9.6192% | 3,858 |
| Tier 1 risk-based capital ratio | 17.3592% | 2,215 |
| Total risk-based capital ratio | 18.1807% | 2,280 |
| Memoranda: | ||
| Average total assets | $30,513,200 | 7,622 |
| Average earning assets | $28,271,000 | 7,602 |
| Average equity | $2,853,000 | 7,880 |
| Average total loans | $12,893,200 | 7,778 |