Home > The Citizens State Bank > Performance and Condition Ratios
The Citizens State Bank, Performance and Condition Ratios
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4472% | 6,489 |
| Cost of funding earning assets | 0.1656% | 6,155 |
| Net interest margin | 2.2816% | 6,416 |
| Noninterest income to average assets | 0.0984% | 6,290 |
| Noninterest expense to average assets | 1.6242% | 6,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5414% | 4,642 |
| Return on assets (ROA) | 0.5414% | 4,738 |
| Pretax return on assets | 0.5086% | 5,255 |
| Return on Equity (ROE) | 6.1510% | 4,073 |
| Retained earnings to average equity (ytd only) | 6.1510% | 2,232 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1538% | 2,605 |
| Assets per employee ($millions) | 3.8307% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 5,328 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 35.1810% | 6,094 |
| Net loans and leases to deposits | 38.8825% | 6,195 |
| Net loans and leases to core deposits | 38.8825% | 6,249 |
| Total domestic deposits to total assets | 90.4803% | 597 |
| Equity capital to assets | 9.4762% | 4,772 |
| Core capital (leverage) ratio | 9.1752% | 4,778 |
| Tier 1 risk-based capital ratio | 23.9709% | 989 |
| Total risk-based capital ratio | 24.8734% | 1,009 |
| Memoranda: | ||
| Average total assets | $12,190,330 | 6,629 |
| Average earning assets | $10,869,670 | 6,613 |
| Average equity | $1,073,000 | 6,637 |
| Average total loans | $3,998,330 | 6,596 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3689% | 6,581 |
| Cost of funding earning assets | 0.1795% | 6,167 |
| Net interest margin | 2.1894% | 6,531 |
| Noninterest income to average assets | 0.0957% | 6,347 |
| Noninterest expense to average assets | 1.5312% | 6,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5742% | 4,327 |
| Return on assets (ROA) | 0.5742% | 4,403 |
| Pretax return on assets | 0.5104% | 5,137 |
| Return on Equity (ROE) | 6.7606% | 3,602 |
| Retained earnings to average equity (ytd only) | 6.7606% | 2,160 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 2,971 |
| Assets per employee ($millions) | 4.2153% | 3,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0245% | 5,429 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 31.3222% | 6,291 |
| Net loans and leases to deposits | 34.2469% | 6,364 |
| Net loans and leases to core deposits | 34.2469% | 6,404 |
| Total domestic deposits to total assets | 91.4598% | 391 |
| Equity capital to assets | 8.4928% | 5,662 |
| Core capital (leverage) ratio | 8.4077% | 5,740 |
| Tier 1 risk-based capital ratio | 22.7735% | 1,165 |
| Total risk-based capital ratio | 23.6429% | 1,210 |
| Memoranda: | ||
| Average total assets | $12,539,500 | 6,699 |
| Average earning assets | $11,144,500 | 6,685 |
| Average equity | $1,065,000 | 6,707 |
| Average total loans | $3,955,500 | 6,666 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3517% | 6,658 |
| Cost of funding earning assets | 0.2398% | 6,033 |
| Net interest margin | 2.1119% | 6,612 |
| Noninterest income to average assets | 0.1425% | 6,228 |
| Noninterest expense to average assets | 1.5354% | 6,557 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4036% | 5,133 |
| Return on assets (ROA) | 0.4036% | 5,245 |
| Pretax return on assets | 0.4195% | 5,444 |
| Return on Equity (ROE) | 4.9342% | 4,665 |
| Retained earnings to average equity (ytd only) | 4.9342% | 2,644 |
| Net charge-offs to loans | -0.0271% | 6,208 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5425% | 2,379 |
| Assets per employee ($millions) | 4.1443% | 3,546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 5,350 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 31.1108% | 6,425 |
| Net loans and leases to deposits | 34.0283% | 6,487 |
| Net loans and leases to core deposits | 34.0283% | 6,519 |
| Total domestic deposits to total assets | 91.4260% | 428 |
| Equity capital to assets | 8.4935% | 5,589 |
| Core capital (leverage) ratio | 8.4345% | 5,738 |
| Tier 1 risk-based capital ratio | 22.9765% | 1,103 |
| Total risk-based capital ratio | 23.8686% | 1,137 |
| Memoranda: | ||
| Average total assets | $12,635,400 | 6,779 |
| Average earning assets | $10,843,400 | 6,771 |
| Average equity | $1,033,600 | 6,797 |
| Average total loans | $3,694,200 | 6,755 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3211% | 6,748 |
| Cost of funding earning assets | 0.2483% | 6,100 |
| Net interest margin | 2.0728% | 6,704 |
| Noninterest income to average assets | 0.1787% | 6,123 |
| Noninterest expense to average assets | 1.4714% | 6,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4414% | 5,068 |
| Return on assets (ROA) | 0.4414% | 5,207 |
| Pretax return on assets | 0.4625% | 5,469 |
| Return on Equity (ROE) | 5.4475% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.4475% | 2,759 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0870% | 2,717 |
| Assets per employee ($millions) | 4.1943% | 3,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1845% | 4,939 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 26.5199% | 6,637 |
| Net loans and leases to deposits | 28.9494% | 6,685 |
| Net loans and leases to core deposits | 28.9494% | 6,692 |
| Total domestic deposits to total assets | 91.6077% | 342 |
| Equity capital to assets | 8.3208% | 5,901 |
| Core capital (leverage) ratio | 8.2002% | 6,062 |
| Tier 1 risk-based capital ratio | 25.6304% | 815 |
| Total risk-based capital ratio | 26.6095% | 830 |
| Memoranda: | ||
| Average total assets | $12,686,000 | 6,857 |
| Average earning assets | $10,741,750 | 6,850 |
| Average equity | $1,028,000 | 6,875 |
| Average total loans | $3,640,500 | 6,831 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3592% | 6,783 |
| Cost of funding earning assets | 0.2621% | 6,092 |
| Net interest margin | 2.0971% | 6,735 |
| Noninterest income to average assets | 0.2673% | 5,541 |
| Noninterest expense to average assets | 1.4465% | 6,709 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5817% | 4,392 |
| Return on assets (ROA) | 0.5817% | 4,567 |
| Pretax return on assets | 0.5817% | 5,089 |
| Return on Equity (ROE) | 7.2430% | 3,473 |
| Retained earnings to average equity (ytd only) | 7.2430% | 1,774 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3178% | 3,591 |
| Assets per employee ($millions) | 4.3147% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1531% | 5,226 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 26.4910% | 6,675 |
| Net loans and leases to deposits | 28.8272% | 6,727 |
| Net loans and leases to core deposits | 28.8272% | 6,739 |
| Total domestic deposits to total assets | 91.8959% | 268 |
| Equity capital to assets | 8.0501% | 6,166 |
| Core capital (leverage) ratio | 8.3594% | 5,814 |
| Tier 1 risk-based capital ratio | 24.8925% | 886 |
| Total risk-based capital ratio | 25.8481% | 903 |
| Memoranda: | ||
| Average total assets | $12,720,330 | 6,905 |
| Average earning assets | $10,681,670 | 6,900 |
| Average equity | $1,021,670 | 6,922 |
| Average total loans | $3,728,330 | 6,877 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3588% | 6,849 |
| Cost of funding earning assets | 0.2663% | 6,184 |
| Net interest margin | 2.0924% | 6,814 |
| Noninterest income to average assets | 0.0952% | 6,586 |
| Noninterest expense to average assets | 1.4593% | 6,773 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4441% | 4,937 |
| Return on assets (ROA) | 0.4441% | 5,099 |
| Pretax return on assets | 0.3807% | 5,625 |
| Return on Equity (ROE) | 5.5363% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.5363% | 2,933 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3103% | 2,426 |
| Assets per employee ($millions) | 4.2280% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1277% | 5,498 |
| 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 | 27.6490% | 6,679 |
| Net loans and leases to deposits | 30.0772% | 6,742 |
| Net loans and leases to core deposits | 30.0772% | 6,763 |
| Total domestic deposits to total assets | 91.9268% | 260 |
| Equity capital to assets | 8.0337% | 6,362 |
| Core capital (leverage) ratio | 7.8590% | 6,249 |
| Tier 1 risk-based capital ratio | 24.4952% | 955 |
| Total risk-based capital ratio | 25.4567% | 973 |
| Memoranda: | ||
| Average total assets | $12,608,500 | 6,982 |
| Average earning assets | $10,514,000 | 6,978 |
| Average equity | $1,011,500 | 6,996 |
| Average total loans | $3,858,000 | 6,952 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8741% | 6,831 |
| Cost of funding earning assets | 0.3115% | 6,398 |
| Net interest margin | 2.5626% | 6,664 |
| Noninterest income to average assets | 0.1395% | 6,339 |
| Noninterest expense to average assets | 1.8743% | 6,525 |
| Loan and lease loss provision to assets | -0.3487% | 7,022 |
| Net operating income to assets | 0.7933% | 3,316 |
| Return on assets (ROA) | 0.7933% | 3,563 |
| Pretax return on assets | 0.8369% | 4,159 |
| Return on Equity (ROE) | 9.2914% | 2,489 |
| Retained earnings to average equity (ytd only) | 8.2704% | 1,041 |
| Net charge-offs to loans | 0.2607% | 3,377 |
| Credit loss provision to net charge-offs | -363.6364% | 6,470 |
| Earnings coverage of net charge-offs (x) | 5.0909% | 3,152 |
| Efficiency ratio | 79.3358% | 2,236 |
| Assets per employee ($millions) | 4.1777% | 3,597 |
| Cash dividends to net income (ytd only)* | 10.9890% | 4,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 6,095 |
| 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 | 32.9450% | 6,594 |
| Net loans and leases to deposits | 35.8389% | 6,684 |
| Net loans and leases to core deposits | 35.8389% | 6,729 |
| Total domestic deposits to total assets | 91.9253% | 254 |
| Equity capital to assets | 8.0109% | 6,402 |
| Core capital (leverage) ratio | 8.5644% | 5,517 |
| Tier 1 risk-based capital ratio | 22.8806% | 1,127 |
| Total risk-based capital ratio | 23.7922% | 1,156 |
| Memoranda: | ||
| Average total assets | $11,471,200 | 7,056 |
| Average earning assets | $9,950,800 | 7,047 |
| Average equity | $979,400 | 7,065 |
| Average total loans | $4,219,600 | 7,017 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8559% | 6,955 |
| Cost of funding earning assets | 0.3084% | 6,570 |
| Net interest margin | 2.5476% | 6,796 |
| Noninterest income to average assets | 0.1309% | 6,481 |
| Noninterest expense to average assets | 1.9038% | 6,517 |
| Loan and lease loss provision to assets | -0.8447% | 7,164 |
| Net operating income to assets | 1.2731% | 1,510 |
| Return on assets (ROA) | 1.2731% | 1,661 |
| Pretax return on assets | 1.3326% | 2,486 |
| Return on Equity (ROE) | 14.6581% | 967 |
| Retained earnings to average equity (ytd only) | 13.9738% | 304 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6020% | 2,155 |
| Assets per employee ($millions) | 3.7700% | 4,376 |
| Cash dividends to net income (ytd only)* | 4.6755% | 3,615 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4761% | 6,968 |
| 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 | 36.9673% | 6,485 |
| Net loans and leases to deposits | 40.6831% | 6,654 |
| Net loans and leases to core deposits | 40.6831% | 6,716 |
| Total domestic deposits to total assets | 90.8665% | 446 |
| Equity capital to assets | 9.0716% | 5,750 |
| Core capital (leverage) ratio | 9.2324% | 4,700 |
| Tier 1 risk-based capital ratio | 24.8486% | 921 |
| Total risk-based capital ratio | 25.3330% | 992 |
| Memoranda: | ||
| Average total assets | $11,205,750 | 7,158 |
| Average earning assets | $9,944,000 | 7,141 |
| Average equity | $973,250 | 7,162 |
| Average total loans | $4,232,250 | 7,111 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8447% | 7,029 |
| Cost of funding earning assets | 0.3026% | 6,731 |
| Net interest margin | 2.5420% | 6,857 |
| Noninterest income to average assets | 0.1253% | 6,558 |
| Noninterest expense to average assets | 1.9694% | 6,494 |
| Loan and lease loss provision to assets | -1.2711% | 7,231 |
| Net operating income to assets | 1.6292% | 791 |
| Return on assets (ROA) | 1.6292% | 879 |
| Pretax return on assets | 1.6829% | 1,305 |
| Return on Equity (ROE) | 19.0442% | 411 |
| Retained earnings to average equity (ytd only) | 17.9978% | 142 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7068% | 1,787 |
| Assets per employee ($millions) | 3.6727% | 4,585 |
| Cash dividends to net income (ytd only)* | 5.4945% | 3,411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4744% | 7,037 |
| 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 | 38.0831% | 6,472 |
| Net loans and leases to deposits | 41.9600% | 6,648 |
| Net loans and leases to core deposits | 41.9600% | 6,736 |
| Total domestic deposits to total assets | 90.7606% | 542 |
| Equity capital to assets | 9.1668% | 5,502 |
| Core capital (leverage) ratio | 9.0138% | 4,892 |
| Tier 1 risk-based capital ratio | 24.7307% | 929 |
| Total risk-based capital ratio | 25.2204% | 998 |
| Memoranda: | ||
| Average total assets | $11,171,000 | 7,220 |
| Average earning assets | $9,913,330 | 7,204 |
| Average equity | $955,670 | 7,218 |
| Average total loans | $4,242,670 | 7,170 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8862% | 7,083 |
| Cost of funding earning assets | 0.3252% | 6,750 |
| Net interest margin | 2.5610% | 6,908 |
| Noninterest income to average assets | 0.1067% | 6,706 |
| Noninterest expense to average assets | 1.9560% | 6,539 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4268% | 5,137 |
| Return on assets (ROA) | 0.4268% | 5,327 |
| Pretax return on assets | 0.3912% | 5,750 |
| Return on Equity (ROE) | 5.1696% | 4,707 |
| Retained earnings to average equity (ytd only) | 3.8772% | 4,264 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3333% | 1,753 |
| Assets per employee ($millions) | 2.9910% | 6,170 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1891% | 1,901 |
| 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 | 33.9853% | 6,739 |
| Net loans and leases to deposits | 36.8832% | 6,858 |
| Net loans and leases to core deposits | 36.8832% | 6,912 |
| Total domestic deposits to total assets | 92.1431% | 235 |
| Equity capital to assets | 7.7984% | 6,633 |
| Core capital (leverage) ratio | 7.9983% | 6,267 |
| Tier 1 risk-based capital ratio | 21.8093% | 1,317 |
| Total risk-based capital ratio | 23.1183% | 1,284 |
| Memoranda: | ||
| Average total assets | $11,247,500 | 7,280 |
| Average earning assets | $9,840,000 | 7,265 |
| Average equity | $928,500 | 7,282 |
| Average total loans | $4,256,000 | 7,231 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1370% | 6,211 |
| Cost of funding earning assets | 0.4266% | 6,814 |
| Net interest margin | 3.7104% | 4,253 |
| Noninterest income to average assets | 0.1312% | 6,501 |
| Noninterest expense to average assets | 2.2780% | 6,091 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.3030% | 1,245 |
| Return on assets (ROA) | 1.3030% | 1,345 |
| Pretax return on assets | 1.3593% | 1,916 |
| Return on Equity (ROE) | 16.1628% | 579 |
| Retained earnings to average equity (ytd only) | 15.0000% | 133 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6289% | 5,364 |
| Assets per employee ($millions) | 3.5103% | 4,986 |
| Cash dividends to net income (ytd only)* | 7.1942% | 3,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0896% | 2,034 |
| 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 | 40.4900% | 6,509 |
| Net loans and leases to deposits | 44.4259% | 6,702 |
| Net loans and leases to core deposits | 44.4259% | 6,797 |
| Total domestic deposits to total assets | 91.1404% | 445 |
| Equity capital to assets | 8.7741% | 5,822 |
| Core capital (leverage) ratio | 8.6484% | 5,319 |
| Tier 1 risk-based capital ratio | 21.4734% | 1,327 |
| Total risk-based capital ratio | 22.6586% | 1,310 |
| Memoranda: | ||
| Average total assets | $10,667,400 | 7,330 |
| Average earning assets | $10,079,800 | 7,311 |
| Average equity | $860,000 | 7,339 |
| Average total loans | $5,291,800 | 7,262 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2765% | 6,015 |
| Cost of funding earning assets | 0.4592% | 6,852 |
| Net interest margin | 3.8173% | 3,782 |
| Noninterest income to average assets | 0.1246% | 6,636 |
| Noninterest expense to average assets | 2.2925% | 6,057 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3954% | 1,164 |
| Return on assets (ROA) | 1.3954% | 1,241 |
| Pretax return on assets | 1.4577% | 1,764 |
| Return on Equity (ROE) | 17.6931% | 488 |
| Retained earnings to average equity (ytd only) | 16.9028% | 143 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1296% | 5,542 |
| Assets per employee ($millions) | 2.6288% | 6,744 |
| Cash dividends to net income (ytd only)* | 4.4666% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7137% | 3,224 |
| 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 | 49.6339% | 5,754 |
| Net loans and leases to deposits | 54.3476% | 6,185 |
| Net loans and leases to core deposits | 54.3476% | 6,438 |
| Total domestic deposits to total assets | 91.3267% | 338 |
| Equity capital to assets | 8.5782% | 6,223 |
| Core capital (leverage) ratio | 8.2239% | 6,106 |
| Tier 1 risk-based capital ratio | 21.2235% | 1,417 |
| Total risk-based capital ratio | 22.4706% | 1,394 |
| Memoranda: | ||
| Average total assets | $10,701,500 | 7,407 |
| Average earning assets | $10,164,000 | 7,389 |
| Average equity | $844,000 | 7,417 |
| Average total loans | $5,526,000 | 7,327 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0915% | 6,509 |
| Cost of funding earning assets | 0.4698% | 6,951 |
| Net interest margin | 3.6217% | 4,642 |
| Noninterest income to average assets | 0.1301% | 6,673 |
| Noninterest expense to average assets | 2.3040% | 6,114 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.2078% | 1,546 |
| Return on assets (ROA) | 1.2078% | 1,634 |
| Pretax return on assets | 1.2635% | 2,256 |
| Return on Equity (ROE) | 15.7639% | 694 |
| Retained earnings to average equity (ytd only) | 14.5513% | 277 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5833% | 5,134 |
| Assets per employee ($millions) | 2.7183% | 6,615 |
| Cash dividends to net income (ytd only)* | 7.6923% | 3,181 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6007% | 3,690 |
| 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 | 51.4485% | 5,635 |
| Net loans and leases to deposits | 55.9009% | 6,144 |
| Net loans and leases to core deposits | 55.9009% | 6,421 |
| Total domestic deposits to total assets | 92.0353% | 227 |
| Equity capital to assets | 7.8635% | 6,762 |
| Core capital (leverage) ratio | 7.6483% | 6,626 |
| Tier 1 risk-based capital ratio | 19.4451% | 1,725 |
| Total risk-based capital ratio | 20.6959% | 1,697 |
| Memoranda: | ||
| Average total assets | $10,763,670 | 7,482 |
| Average earning assets | $10,216,330 | 7,462 |
| Average equity | $824,670 | 7,495 |
| Average total loans | $5,598,000 | 7,400 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 6,523 |
| Cost of funding earning assets | 0.5109% | 6,939 |
| Net interest margin | 3.5765% | 4,677 |
| Noninterest income to average assets | 0.1494% | 6,655 |
| Noninterest expense to average assets | 2.4279% | 5,801 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0832% | 1,897 |
| Return on assets (ROA) | 1.0832% | 1,947 |
| Pretax return on assets | 1.1206% | 2,679 |
| Return on Equity (ROE) | 14.3298% | 931 |
| Retained earnings to average equity (ytd only) | 14.3298% | 447 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4211% | 4,575 |
| Assets per employee ($millions) | 2.7803% | 6,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6880% | 3,378 |
| 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 | 47.6576% | 6,115 |
| Net loans and leases to deposits | 51.5213% | 6,512 |
| Net loans and leases to core deposits | 51.5213% | 6,703 |
| Total domestic deposits to total assets | 92.5007% | 179 |
| Equity capital to assets | 7.4094% | 6,917 |
| Core capital (leverage) ratio | 7.4415% | 6,762 |
| Tier 1 risk-based capital ratio | 19.8554% | 1,614 |
| Total risk-based capital ratio | 21.1084% | 1,586 |
| Memoranda: | ||
| Average total assets | $10,709,000 | 7,541 |
| Average earning assets | $10,177,500 | 7,520 |
| Average equity | $809,500 | 7,553 |
| Average total loans | $5,554,500 | 7,458 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2325% | 3,445 |
| Cost of funding earning assets | 0.6793% | 6,932 |
| Net interest margin | 4.5533% | 1,127 |
| Noninterest income to average assets | 0.1491% | 6,642 |
| Noninterest expense to average assets | 2.7043% | 4,971 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.6305% | 592 |
| Return on assets (ROA) | 1.6305% | 639 |
| Pretax return on assets | 1.7100% | 921 |
| Return on Equity (ROE) | 22.6207% | 154 |
| Retained earnings to average equity (ytd only) | 21.2414% | 46 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2613% | 5,850 |
| Assets per employee ($millions) | 2.5743% | 6,895 |
| Cash dividends to net income (ytd only)* | 6.0976% | 3,853 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5915% | 3,607 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 54.6470% | 5,552 |
| Net loans and leases to deposits | 59.2877% | 6,127 |
| Net loans and leases to core deposits | 59.2877% | 6,450 |
| Total domestic deposits to total assets | 92.1725% | 245 |
| Equity capital to assets | 7.7207% | 6,736 |
| Core capital (leverage) ratio | 7.6819% | 6,559 |
| Tier 1 risk-based capital ratio | 19.0556% | 1,706 |
| Total risk-based capital ratio | 20.3260% | 1,665 |
| Memoranda: | ||
| Average total assets | $10,058,200 | 7,626 |
| Average earning assets | $9,421,800 | 7,606 |
| Average equity | $725,000 | 7,652 |
| Average total loans | $6,334,800 | 7,519 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4668% | 2,572 |
| Cost of funding earning assets | 0.7137% | 7,032 |
| Net interest margin | 4.7531% | 741 |
| Noninterest income to average assets | 0.1467% | 6,811 |
| Noninterest expense to average assets | 2.6270% | 5,209 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8803% | 425 |
| Return on assets (ROA) | 1.8803% | 470 |
| Pretax return on assets | 1.9603% | 679 |
| Return on Equity (ROE) | 26.5724% | 83 |
| Retained earnings to average equity (ytd only) | 25.6297% | 27 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2674% | 6,380 |
| Assets per employee ($millions) | 2.5413% | 7,022 |
| Cash dividends to net income (ytd only)* | 3.5479% | 3,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5343% | 3,808 |
| 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 | 57.4520% | 5,344 |
| Net loans and leases to deposits | 62.2933% | 6,092 |
| Net loans and leases to core deposits | 62.2933% | 6,434 |
| Total domestic deposits to total assets | 92.2282% | 159 |
| Equity capital to assets | 7.6439% | 7,036 |
| Core capital (leverage) ratio | 7.6847% | 6,690 |
| Tier 1 risk-based capital ratio | 18.0950% | 2,000 |
| Total risk-based capital ratio | 19.3526% | 1,955 |
| Memoranda: | ||
| Average total assets | $9,998,500 | 7,725 |
| Average earning assets | $9,341,000 | 7,707 |
| Average equity | $707,500 | 7,754 |
| Average total loans | $6,489,000 | 7,609 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4436% | 2,779 |
| Cost of funding earning assets | 0.7287% | 7,125 |
| Net interest margin | 4.7150% | 796 |
| Noninterest income to average assets | 0.1609% | 6,742 |
| Noninterest expense to average assets | 2.6954% | 4,930 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.8103% | 478 |
| Return on assets (ROA) | 1.8103% | 517 |
| Pretax return on assets | 1.8908% | 746 |
| Return on Equity (ROE) | 26.3031% | 101 |
| Retained earnings to average equity (ytd only) | 25.7186% | 43 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7719% | 6,263 |
| Assets per employee ($millions) | 2.4428% | 7,173 |
| Cash dividends to net income (ytd only)* | 2.2222% | 3,295 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3225% | 4,799 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 69.4914% | 3,019 |
| Net loans and leases to deposits | 75.2105% | 4,487 |
| Net loans and leases to core deposits | 75.2105% | 5,295 |
| Total domestic deposits to total assets | 92.3959% | 166 |
| Equity capital to assets | 7.4609% | 7,134 |
| Core capital (leverage) ratio | 7.1513% | 7,095 |
| Tier 1 risk-based capital ratio | 16.7432% | 2,384 |
| Total risk-based capital ratio | 18.0064% | 2,328 |
| Memoranda: | ||
| Average total assets | $9,943,000 | 7,792 |
| Average earning assets | $9,332,000 | 7,774 |
| Average equity | $684,330 | 7,823 |
| Average total loans | $6,675,000 | 7,668 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2862% | 3,610 |
| Cost of funding earning assets | 0.7673% | 7,184 |
| Net interest margin | 4.5188% | 1,099 |
| Noninterest income to average assets | 0.1595% | 6,829 |
| Noninterest expense to average assets | 2.6324% | 5,222 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6751% | 648 |
| Return on assets (ROA) | 1.6751% | 697 |
| Pretax return on assets | 1.7549% | 965 |
| Return on Equity (ROE) | 25.3776% | 152 |
| Retained earnings to average equity (ytd only) | 25.3776% | 100 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,174 |
| Assets per employee ($millions) | 2.6420% | 6,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4254% | 4,294 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 59.5477% | 5,193 |
| Net loans and leases to deposits | 63.7847% | 6,073 |
| Net loans and leases to core deposits | 63.7847% | 6,462 |
| Total domestic deposits to total assets | 93.3573% | 98 |
| Equity capital to assets | 6.4629% | 7,530 |
| Core capital (leverage) ratio | 6.6343% | 7,418 |
| Tier 1 risk-based capital ratio | 15.6580% | 2,802 |
| Total risk-based capital ratio | 16.9188% | 2,741 |
| Memoranda: | ||
| Average total assets | $10,029,000 | 7,893 |
| Average earning assets | $9,383,000 | 7,875 |
| Average equity | $662,000 | 7,915 |
| Average total loans | $6,572,000 | 7,772 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0010% | 1,865 |
| Cost of funding earning assets | 0.9241% | 7,354 |
| Net interest margin | 5.0769% | 387 |
| Noninterest income to average assets | 0.2172% | 6,557 |
| Noninterest expense to average assets | 3.1059% | 3,711 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.8136% | 349 |
| Return on assets (ROA) | 1.8136% | 360 |
| Pretax return on assets | 1.8244% | 603 |
| Return on Equity (ROE) | 22.1956% | 156 |
| Retained earnings to average equity (ytd only) | -11.2972% | 6,624 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9956% | 5,971 |
| Assets per employee ($millions) | 2.3725% | 7,390 |
| Cash dividends to net income (ytd only)* | 150.8982% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3462% | 4,504 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 70.2740% | 3,191 |
| Net loans and leases to deposits | 75.5095% | 4,818 |
| Net loans and leases to core deposits | 89.8061% | 5,150 |
| Total domestic deposits to total assets | 93.0664% | 119 |
| Equity capital to assets | 6.7545% | 7,477 |
| Core capital (leverage) ratio | 6.7780% | 7,375 |
| Tier 1 risk-based capital ratio | 14.6447% | 3,133 |
| Total risk-based capital ratio | 15.9013% | 3,086 |
| Memoranda: | ||
| Average total assets | $9,208,400 | 7,977 |
| Average earning assets | $8,548,600 | 7,960 |
| Average equity | $752,400 | 7,999 |
| Average total loans | $6,562,600 | 7,844 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0359% | 1,894 |
| Cost of funding earning assets | 0.9563% | 7,475 |
| Net interest margin | 5.0795% | 386 |
| Noninterest income to average assets | 0.2626% | 6,353 |
| Noninterest expense to average assets | 3.0932% | 3,670 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8822% | 371 |
| Return on assets (ROA) | 1.8822% | 398 |
| Pretax return on assets | 1.8968% | 660 |
| Return on Equity (ROE) | 22.0442% | 202 |
| Retained earnings to average equity (ytd only) | 20.6767% | 56 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9883% | 6,105 |
| Assets per employee ($millions) | 2.2263% | 7,588 |
| Cash dividends to net income (ytd only)* | 6.2035% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3339% | 4,293 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6844% | 3,852 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 75.5867% | 2,081 |
| Net loans and leases to deposits | 83.7293% | 3,691 |
| Net loans and leases to core deposits | 98.4784% | 4,557 |
| Total domestic deposits to total assets | 90.2751% | 674 |
| Equity capital to assets | 9.5115% | 4,735 |
| Core capital (leverage) ratio | 9.4902% | 3,921 |
| Tier 1 risk-based capital ratio | 16.3230% | 2,504 |
| Total risk-based capital ratio | 17.5756% | 2,440 |
| Memoranda: | ||
| Average total assets | $9,138,000 | 8,064 |
| Average earning assets | $8,504,500 | 8,048 |
| Average equity | $780,250 | 8,082 |
| Average total loans | $6,513,250 | 7,922 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8316% | 2,895 |
| Cost of funding earning assets | 0.9797% | 7,580 |
| Net interest margin | 4.8519% | 600 |
| Noninterest income to average assets | 0.2821% | 6,248 |
| Noninterest expense to average assets | 3.2336% | 3,221 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5843% | 699 |
| Return on assets (ROA) | 1.5843% | 766 |
| Pretax return on assets | 1.5626% | 1,298 |
| Return on Equity (ROE) | 19.2612% | 386 |
| Retained earnings to average equity (ytd only) | 17.9420% | 107 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4208% | 5,270 |
| Assets per employee ($millions) | 2.0680% | 7,805 |
| Cash dividends to net income (ytd only)* | 6.8493% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 3,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8254% | 3,442 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 79.6422% | 1,369 |
| Net loans and leases to deposits | 88.3821% | 3,112 |
| Net loans and leases to core deposits | 105.3743% | 3,911 |
| Total domestic deposits to total assets | 90.1112% | 782 |
| Equity capital to assets | 9.5986% | 4,491 |
| Core capital (leverage) ratio | 8.4021% | 5,612 |
| Tier 1 risk-based capital ratio | 15.6084% | 2,763 |
| Total risk-based capital ratio | 16.8665% | 2,693 |
| Memoranda: | ||
| Average total assets | $9,215,670 | 8,159 |
| Average earning assets | $8,574,000 | 8,137 |
| Average equity | $758,000 | 8,175 |
| Average total loans | $6,410,330 | 8,015 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4639% | 5,100 |
| Cost of funding earning assets | 1.0217% | 7,640 |
| Net interest margin | 4.4422% | 1,244 |
| Noninterest income to average assets | 0.2477% | 6,475 |
| Noninterest expense to average assets | 3.0555% | 3,536 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.2800% | 1,436 |
| Return on assets (ROA) | 1.2800% | 1,537 |
| Pretax return on assets | 1.3213% | 2,208 |
| Return on Equity (ROE) | 16.7568% | 713 |
| Retained earnings to average equity (ytd only) | 15.1351% | 401 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8113% | 4,624 |
| Assets per employee ($millions) | 2.4203% | 7,423 |
| Cash dividends to net income (ytd only)* | 9.6774% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 3,098 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5907% | 3,533 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 62.6588% | 5,216 |
| Net loans and leases to deposits | 68.1496% | 6,172 |
| Net loans and leases to core deposits | 78.7690% | 6,478 |
| Total domestic deposits to total assets | 91.9430% | 193 |
| Equity capital to assets | 7.7885% | 7,085 |
| Core capital (leverage) ratio | 7.4381% | 7,225 |
| Tier 1 risk-based capital ratio | 14.5391% | 3,289 |
| Total risk-based capital ratio | 15.7925% | 3,215 |
| Memoranda: | ||
| Average total assets | $9,687,500 | 8,197 |
| Average earning assets | $9,004,500 | 8,176 |
| Average equity | $740,000 | 8,229 |
| Average total loans | $6,276,000 | 8,069 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3921% | 3,463 |
| Cost of funding earning assets | 1.6971% | 7,263 |
| Net interest margin | 4.6950% | 979 |
| Noninterest income to average assets | 0.1885% | 7,100 |
| Noninterest expense to average assets | 2.5635% | 5,778 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8943% | 438 |
| Return on assets (ROA) | 1.8943% | 429 |
| Pretax return on assets | 1.9792% | 640 |
| Return on Equity (ROE) | 22.9295% | 218 |
| Retained earnings to average equity (ytd only) | -12.4344% | 7,282 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4315% | 6,954 |
| Assets per employee ($millions) | 2.4235% | 7,358 |
| Cash dividends to net income (ytd only)* | 154.2289% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 3,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5886% | 3,061 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 65.0299% | 5,058 |
| Net loans and leases to deposits | 70.5540% | 6,214 |
| Net loans and leases to core deposits | 82.1154% | 6,453 |
| Total domestic deposits to total assets | 92.1704% | 111 |
| Equity capital to assets | 7.4892% | 7,387 |
| Core capital (leverage) ratio | 7.7021% | 6,925 |
| Tier 1 risk-based capital ratio | 13.2918% | 3,934 |
| Total risk-based capital ratio | 14.5551% | 3,836 |
| Memoranda: | ||
| Average total assets | $10,610,600 | 8,238 |
| Average earning assets | $9,840,200 | 8,220 |
| Average equity | $876,600 | 8,280 |
| Average total loans | $6,406,600 | 8,108 |